<SEC-DOCUMENT>0000842180-25-000010.txt : 20250221
<SEC-HEADER>0000842180-25-000010.hdr.sgml : 20250221
<ACCEPTANCE-DATETIME>20250221114815
ACCESSION NUMBER:		0000842180-25-000010
CONFORMED SUBMISSION TYPE:	20-F
PUBLIC DOCUMENT COUNT:		300
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250221
DATE AS OF CHANGE:		20250221

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
		CENTRAL INDEX KEY:			0000842180
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				133491492
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		20-F
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10110
		FILM NUMBER:		25649620

	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
<FILENAME>bbva-20241231.htm
<DESCRIPTION>20-F
<TEXT>
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f-3112 f-3113 f-3114 f-3115 f-3116 f-3117 f-3118 f-3119 f-3120 f-3121 f-3122 f-3123 f-3124 f-3125 f-3126 f-3127 f-3128 f-3129 f-3130 f-3131 f-3132 f-3133 f-3134 f-3135 f-3136 f-3137 f-3138 f-3139 f-3140 f-3141 f-3142" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-24" order="24"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-3318 f-3319 f-3320 f-3321 f-3322 f-3323 f-3324 f-3325 f-3326 f-3327 f-3328 f-3329 f-3330 f-3331 f-3332 f-3333 f-3334 f-3335 f-3336 f-3337 f-3338 f-3339 f-3340 f-3341 f-3342 f-3343 f-3344 f-3345 f-3346 f-3347 f-3348 f-3349 f-3350 f-3351 f-3352 f-3353 f-3354 f-3355 f-3356 f-3357 f-3358 f-3359 f-3360 f-3361 f-3362 f-3363 f-3364 f-3365 f-3366 f-3367 f-3368 f-3369 f-3370 f-3371 f-3372 f-3373 f-3374 f-3375 f-3376 f-3377 f-3378 f-3379 f-3380 f-3381 f-3382 f-3383 f-3384 f-3385 f-3386 f-3387 f-3388 f-3389 f-3390 f-3391 f-3392 f-3393 f-3394 f-3395 f-3396 f-3397 f-3398 f-3399 f-3400 f-3401 f-3402 f-3403 f-3404" 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f-6336 f-6339 f-6342 f-6345 f-6348" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-49" order="49"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-3564 f-6353 f-6356 f-6359 f-6362 f-6365 f-6368 f-6371 f-6374 f-6377 f-6380 f-6383 f-6386 f-6389 f-6392 f-6395 f-6398 f-6401 f-6404 f-6407" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-50" order="50"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-6411 f-6414 f-6417 f-6420 f-6423 f-6426 f-6429 f-6432 f-6435 f-6438 f-6441 f-6444 f-6447 f-6450 f-6453 f-6456 f-6459 f-6462 f-6465 f-6468 f-6471 f-6474 f-6477" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-51" order="51"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-6483 f-6484 f-6489 f-6490 f-6495 f-6496 f-6501 f-6502 f-6507 f-6508 f-6513 f-6514 f-6519 f-6520 f-6525 f-6526 f-6531 f-6532 f-6537 f-6538 f-6543 f-6544 f-6549 f-6550 f-6555 f-6556" 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f-7982 f-7983 f-7984 f-7985 f-7986 f-7987" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-63" order="63"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-7994 f-7995 f-7999" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-64" order="64"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8009 f-8012 f-8015 f-8018 f-8024" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-65" order="65"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8000 f-8001 f-8002 f-8019 f-8020 f-8021" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-66" order="66"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8026 f-8027 f-8028 f-8053 f-8054 f-8055" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-67" order="67"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8028 f-8031 f-8034 f-8037 f-8040 f-8043 f-8046 f-8049 f-8052 f-8055 f-8058 f-8061 f-8064 f-8067" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-68" order="68"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8073 f-8074 f-8079 f-8080 f-8085 f-8086 f-8091 f-8092 f-8097 f-8098 f-8103 f-8104 f-8109 f-8110 f-8115 f-8116" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-69" order="69"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8131 f-8134 f-8137 f-8140 f-8143 f-8146 f-8149 f-8152 f-8155" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-70" order="70"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8129 f-8130 f-8131" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-71" order="71"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8161 f-8162 f-8163 f-8170 f-8171 f-8172" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-72" order="72"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8167 f-8168 f-8169" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-73" order="73"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8186 f-8187 f-8188 f-8198 f-8199 f-8200 f-8210 f-8211 f-8212 f-8222 f-8223 f-8224 f-8234 f-8235 f-8236 f-8246 f-8247 f-8248 f-8258 f-8259 f-8260 f-8270 f-8271 f-8272 f-8282 f-8283 f-8284 f-8294 f-8295 f-8296 f-8306 f-8307 f-8308 f-8318 f-8319 f-8320 f-8330 f-8331 f-8332 f-8342 f-8343 f-8344 f-8354 f-8355 f-8356 f-8366 f-8367 f-8368" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-74" order="74"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8379 f-8382 f-8385 f-8388 f-8391 f-8394 f-8397 f-8400 f-8403 f-8406 f-8409 f-8412 f-8415 f-8418 f-8421 f-8424" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-75" order="75"/><ix:relationship 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linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-88" order="88"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8966 f-8967 f-8968" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-89" order="89"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8975 f-8978 f-8981 f-8984 f-8987 f-8990 f-8993 f-8996 f-8999 f-9002" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-90" order="90"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-8988 f-8989 f-8990" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-91" order="91"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-9045 f-9046 f-9047" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-92" order="92"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-9051 f-9052 f-9053" linkRole="http://www.xbrl.org/2003/role/link" 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f-11279 f-11280 f-11281 f-11282 f-11283 f-11284 f-11285 f-11286 f-11287 f-11288 f-11289 f-11290 f-11291 f-11292 f-11293 f-11294" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-137" order="137"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-11132 f-11142 f-11152 f-11162 f-11172 f-11182 f-11192 f-11202 f-11212 f-11222 f-11232 f-11242 f-11252 f-11262 f-11272 f-11282 f-11292" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-138" order="138"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-11145 f-11146 f-11147 f-11148 f-11149 f-11150 f-11151 f-11152 f-11153 f-11154" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-139" order="139"/><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-11205 f-11206 f-11207 f-11208 f-11209 f-11210 f-11211 f-11212 f-11213 f-11214 f-11235 f-11236 f-11237 f-11238 f-11239 f-11240 f-11241 f-11242 f-11243 f-11244" 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style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1pt;padding-left:25.25pt;padding-right:25.25pt;text-align:center;text-indent:-45pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4pt;font-weight:400;line-height:80%">&#160;</span></div></td></tr></table></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:18pt;font-weight:700;line-height:120%">UNITED STATES SECURITIES AND EXCHANGE COMMISSION </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%">WASHINGTON, D.C. 20549 </span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><table 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style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.332%"><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="c-7" name="dei:Security12bTitle" id="f-35">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:33.332%"><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="c-7" name="dei:TradingSymbol" id="f-36">BBVA28</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:33.336%"><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="c-7" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-37">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:33.332%"><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="c-8" name="dei:Security12bTitle" id="f-38">5.381% Fixed Rate Senior Preferred Notes due 2029</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:33.332%"><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="c-8" name="dei:TradingSymbol" id="f-39">BBVA29</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:33.336%"><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="c-8" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-40">New York Stock Exchange</ix:nonNumeric></span></div><div style="text-align:center"><span><br/></span></div></div></div><div><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.332%"><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="c-9" name="dei:Security12bTitle" id="f-41">Tier 2 Subordinated Callable Fixed-to-Fixed Rate Notes due 2034</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:33.332%"><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="c-9" name="dei:TradingSymbol" id="f-42">BBVA34</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:33.336%"><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="c-9" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-43">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:33.332%"><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="c-10" name="dei:Security12bTitle" id="f-44">Senior Non-Preferred Callable Fixed-to-Fixed Rate Notes due 2035</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:33.332%"><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="c-10" name="dei:TradingSymbol" id="f-45">BBVA35</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:33.336%"><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="c-10" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-46">New York Stock Exchange</ix:nonNumeric></span></div><div style="text-align:center"><span><br/></span></div></div></div><div><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.332%"><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="c-11" name="dei:Security12bTitle" id="f-47">Series 12 Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities</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:33.332%"><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="c-11" name="dei:TradingSymbol" id="f-48">BBVAP1</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:33.336%"><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="c-11" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-49">New York Stock Exchange</ix:nonNumeric></span></div></div></div><div style="padding-left:396pt;text-indent:36pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:33.332%"><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="c-12" name="dei:Security12bTitle" id="f-50">Series 14 Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities</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:33.332%"><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="c-12" name="dei:TradingSymbol" id="f-51">BBVAP2</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:33.336%"><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="c-12" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-52">New York Stock Exchange</ix:nonNumeric></span></div><div style="text-align:center"><span><br/></span></div></div></div><div style="padding-left:396pt;text-indent:36pt"><span><br/></span></div><div style="padding-left:396pt;text-indent:36pt"><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="c-1" name="dei:SecurityReportingObligation" id="f-53">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 style="width:46.511%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.676%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:46.513%"/><td style="width:0.1%"/></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 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 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 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 December 31, 2024, 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="c-13" decimals="6" name="dei:EntityCommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-54">5,763,285,465</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 style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-bottom:0.25pt solid #000000;padding:0 1pt"/></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="c-1" name="dei:EntityWellKnownSeasonedIssuer" id="f-55">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="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: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="c-1" name="dei:EntityVoluntaryFilers" id="f-56">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="c-1" name="dei:EntityCurrentReportingStatus" id="f-57">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="c-1" name="dei:EntityInteractiveDataCurrent" id="f-58">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: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="c-1" name="dei:EntityFilerCategory" format="ixt-sec:entityfilercategoryen" id="f-59">Large accelerated filer</ix:nonNumeric>  [X]          Accelerated filer  [  ]          Non-accelerated filer  [  ]          Emerging growth company  <ix:nonNumeric contextRef="c-1" name="dei:EntityEmergingGrowthCompany" format="ixt:fixed-false" id="f-60">[  ]</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="c-1" name="dei:IcfrAuditorAttestationFlag" format="ixt:fixed-true" id="f-61">[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.    <ix:nonNumeric contextRef="c-1" name="dei:DocumentFinStmtErrorCorrectionFlag" format="ixt:fixed-false" id="f-62">[  ]</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%">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:33.254%"><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:33.254%"><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="c-1" name="dei:DocumentAccountingStandard" id="f-63">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:33.260%"><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="c-1" name="dei:EntityShellCompany" format="ixt:fixed-false" id="f-64">[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 style="width:88.422%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.378%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_22">9</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_25">9</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_28">9</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_31">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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_34">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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_37">9</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_40">9</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_43">9</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_46">9</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="#i22a2e436ff7c462c96898906283f922e_52">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="#i22a2e436ff7c462c96898906283f922e_52">10</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="#i22a2e436ff7c462c96898906283f922e_55">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="#i22a2e436ff7c462c96898906283f922e_55">28</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="#i22a2e436ff7c462c96898906283f922e_58">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="#i22a2e436ff7c462c96898906283f922e_58">28</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="#i22a2e436ff7c462c96898906283f922e_64">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="#i22a2e436ff7c462c96898906283f922e_64">29</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="#i22a2e436ff7c462c96898906283f922e_124">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="#i22a2e436ff7c462c96898906283f922e_124">65</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="#i22a2e436ff7c462c96898906283f922e_127">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="#i22a2e436ff7c462c96898906283f922e_127">65</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="#i22a2e436ff7c462c96898906283f922e_130">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="#i22a2e436ff7c462c96898906283f922e_130">66</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_166">83</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="#i22a2e436ff7c462c96898906283f922e_2812">G. Other Relevant 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="#i22a2e436ff7c462c96898906283f922e_2812">86</a></span></div></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: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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_172">87</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_175">87</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_184">93</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="#i22a2e436ff7c462c96898906283f922e_244">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="#i22a2e436ff7c462c96898906283f922e_244">148</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="#i22a2e436ff7c462c96898906283f922e_256">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="#i22a2e436ff7c462c96898906283f922e_256">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="#i22a2e436ff7c462c96898906283f922e_259">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="#i22a2e436ff7c462c96898906283f922e_259">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="#i22a2e436ff7c462c96898906283f922e_262">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="#i22a2e436ff7c462c96898906283f922e_262">152</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="#i22a2e436ff7c462c96898906283f922e_265">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="#i22a2e436ff7c462c96898906283f922e_265">153</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="#i22a2e436ff7c462c96898906283f922e_268">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="#i22a2e436ff7c462c96898906283f922e_268">153</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="#i22a2e436ff7c462c96898906283f922e_271">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="#i22a2e436ff7c462c96898906283f922e_271">162</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="#i22a2e436ff7c462c96898906283f922e_274">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="#i22a2e436ff7c462c96898906283f922e_274">174</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="#i22a2e436ff7c462c96898906283f922e_277">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="#i22a2e436ff7c462c96898906283f922e_277">185</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="#i22a2e436ff7c462c96898906283f922e_286">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="#i22a2e436ff7c462c96898906283f922e_286">188</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="#i22a2e436ff7c462c96898906283f922e_301">F. Disclosure of a Registrant&#8217;s Action to Recover Erroneously Awarded 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="#i22a2e436ff7c462c96898906283f922e_301">189</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_304">189</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_307">189</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_313">189</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_316">190</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_319">190</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_322">190</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_328">194</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_331">195</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_334">195</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_343">200</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_346">200</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_349">200</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_352">200</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_355">201</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_358">202</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_361">202</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_364">202</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_370">205</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_373">206</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_376">208</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_394">212</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 style="width:88.422%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.378%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_397">212</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_400">212</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_403">213</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_406">213</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_409">214</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_412">214</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_415">214</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_418">214</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_421">214</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"/></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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_427">216</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_430">216</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_433">216</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_439">219</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_442">219</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_445">219</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_448">219</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_451">220</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_454">220</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_457">221</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_460">221</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_463">222</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="#i22a2e436ff7c462c96898906283f922e_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="#i22a2e436ff7c462c96898906283f922e_466">222</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="#i22a2e436ff7c462c96898906283f922e_469">ITEM 16J. INSIDER TRADING POLICIES</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="#i22a2e436ff7c462c96898906283f922e_469">223</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="#i22a2e436ff7c462c96898906283f922e_472">ITEM 16K. CYBERSECURITY</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="#i22a2e436ff7c462c96898906283f922e_472">223</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"/></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="#i22a2e436ff7c462c96898906283f922e_478">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="#i22a2e436ff7c462c96898906283f922e_478">225</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="#i22a2e436ff7c462c96898906283f922e_481">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="#i22a2e436ff7c462c96898906283f922e_481">225</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="#i22a2e436ff7c462c96898906283f922e_484">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="#i22a2e436ff7c462c96898906283f922e_484">226</a></span></div></td></tr></table></div><div id="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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%">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; means our audited consolidated financial statements as of and for the years ended December 31, 2024, 2023 and 2022, presented in compliance with 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;), as well as in accordance with the International Financial Reporting Standards endorsed 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;) applicable as of December 31, 2024, considering Bank of Spain Circular 4/2017, as well as its successive amendments, and any other legislation governing financial reporting which was, as of the date of preparation of such consolidated financial statements, 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;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 other 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%">$</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">US$</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%">USD</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="i22a2e436ff7c462c96898906283f922e_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;forecast&#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, economic or fiscal policy and sovereign ratings, particularly Spain&#8217;s, Mexico&#8217;s and Turkey&#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, the tensions triggered by armed conflict and political instability in the Middle East, the war between Ukraine and Russia, long-standing U.S.-China trade tensions, the escalation of trade tariffs, Brexit and the rise of populism in several regions of the world. Furthermore, there is the risk of a sharp global growth slowdown;</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 (including energy 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, high interest rates in most of the geographical areas where we operate (which may impact default rates) and low real interest rates 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">the increased turbulence in the banking sector since March 2023, in particular, following the liquidity and other problems experienced by certain banks in the United States and Switzerland, which have led to increased concerns over the volatility and quality of banks&#8217; deposits and their exposure to rising interest rates, and have adversely affected the valuations of certain banks. BBVA has significant exposure to the global banking sector. In addition, certain actions by Swiss regulators in 2023 have led to increased uncertainty regarding the potential actions to be adopted by the relevant authorities in connection with a bank&#8217;s failure. Moreover, regulatory changes are expected in the EU and, particularly, in Spain, in connection with the ranking of claims upon a bank&#8217;s insolvency, providing a preference to claims of all depositors relative to ordinary unsecured claims, which may adversely affect the risk profile and cost of banks&#8217; debt securities. Further, there could be changes to the deposit guarantee schemes in certain jurisdictions, which could lead to changes in customer behavior and how banks manage their deposits portfolio;</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, tax policies, interest rate caps, fee caps and other policies affecting the banking sector, including the &#8220;liraization&#8221; strategy in Turkey (which seeks to increase the weight of Turkish lira-denominated assets and liabilities of the banking system). Further, emerging economies generally face higher anti-money laundering and 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;) risk levels;</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">in Spain, political, regulatory and economic uncertainties have increased since the 2023 general elections and there is a risk that policies could be adopted that have an adverse impact on the economy or our business;</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">downgrades in our credit ratings or in sovereign credit ratings, particularly Spain&#8217;s, Mexico&#8217;s and Turkey&#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, including the impact of the still-prevailing high interest rates on the Group&#8217;s results of operations (including mark-to-market losses on securities portfolios, reduced demand for credit, increased funding costs and higher default rates) and the impact of any future interest rate reductions on inflation;</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, divestitures, 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">BBVA&#8217;s ability to complete the Exchange Offer (as defined herein) and, if applicable, integrate the Target Company (as defined herein) successfully, and any unanticipated costs, losses or other impacts in connection therewith. 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;Other Relevant Information&#8212; Offer to exchange 100% of the shares of Banco de Sabadell, S.A. for shares of Banco Bilbao Vizcaya Argentaria, 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></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 and the rise of neobanks (a new generation of financial institutions that operate exclusively online), which may be influenced by regulation or deregulation affecting us or our competitors, and our ability to manage information technology obsolescence, implement technological advances on a timely basis or at all and effectively capture the benefits of emerging technologies, including cloud computing, artificial intelligence, big data analysis, crypto currencies and alternative payment systems;</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, provision and consumer protection 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">the effectiveness of our debt recovery policy, including our ability to recover aged non-performing loans;</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, including exchange rate risk;</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 ESG standards, including our ability to meet any ESG expectations, targets or obligations and the cost thereof;</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 the 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, as well as legal and regulatory actions and proceedings against other financial institutions, especially if such actions or proceedings result in rulings that affect the industry generally or lead to changes in the Group&#8217;s practices;</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="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><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">our success in managing the risks involved in the foregoing, which depends, among other things, on the adequacy of our internal risk models and our ability to anticipate events that are not captured or fully accounted for in the models we use or to otherwise adjust our risk parameters, risk appetite framework and estimations to account for the foregoing and any changes in market conditions; 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 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 to reflect events or circumstances after the date hereof, including, without limitation, changes in our business, strategy, targets or expectations, including as a result of the occurrence of unanticipated events.</span></div><div id="i22a2e436ff7c462c96898906283f922e_2821"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:center"><span><br/></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%">SUMMARY OF RISK FACTORS</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 business is subject to numerous risks and uncertainties, including those 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 3. Key Information&#8212;Risk Factors</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; of this Annual Report. You should carefully consider these risks and uncertainties when investing in our securities. These risks include, but are not limited to, the following:</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:130%">Macroeconomic and Geopolitical 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">A deterioration in economic or political conditions 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: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">Political, economic and social conditions in any of Spain, Mexico and Turkey may have a material adverse effect on our 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:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Business 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: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">The Group&#8217;s business is subject to inherent risks concerning counterparties&#8217; credit quality and the value 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:'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 Group&#8217;s business is particularly vulnerable to 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: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">The Group faces increasing competition and is exposed to a changing 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:'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">The Group faces risks derived from its international geographic diversification and its significant presence in emerging countries, which exposes it to heightened political 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: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">Environmental, social and governance (ESG) risks may adversely impact 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: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">The outbreak and spread of a pandemic and other large-scale public health events 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;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">The Group faces risks related to its acquisitions and divestitures activity, including the Exchange Offer.</span></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: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">The structure, capital, leverage, liquidity, MREL and resolution profile of the Group if the Exchange Offer is completed remains uncertain.</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:112%">Financial 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: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">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: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: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">The Group depends on its credit ratings and sovereign credit ratings, especially Spain&#8217;s and Mexico&#8217;s credit ratings.</span></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: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">The trading market for securities issued by BBVA depends in part on the research reports of third-party securities analysts.</span></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: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">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: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: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">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="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Legal Risks</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;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">The Group is party to a number of legal and regulatory actions and proceedings.</span></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: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">The Spanish judicial authorities are carrying out a criminal investigation relating to possible bribery and revelation of secrets by BBVA.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Regulatory, Tax, Compliance and Reporting 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: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">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: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: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">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: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: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">The Group is exposed to tax risks that may adversely affect it. </span></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: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">The Group is exposed to compliance 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: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">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="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Operational 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: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">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 harm 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%">5</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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 as of and for the years ended December 31, 2024, 2023 and 2022. The Consolidated Financial Statements included in this Annual Report are presented 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 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%">The financial information as of and for the years ended December 31, 2023 and 2022 included herein and in the Consolidated Financial Statements 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 sections &#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%"> and &#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 Intra-Group Adjustments</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: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%">IFRS 17 &#8211; 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%">IFRS 17 superseded IFRS 4 for the recognition, measurement, presentation and disclosure of insurance contracts. The initial application date of IFRS 17 was January 1, 2023, and it has been applied to the years ended December 31, 2024 and 2023, with a transition date of January 1, 2022. In order to make the information as of and for the year ended December 31, 2022 comparable with the information as of and for the years ended December 31, 2024 and 2023, the balance sheet as of December 31, 2022 and the income statement for the year ended December 31, 2022 were restated. The impact of these retrospective adjustments was not significant for the consolidated financial statements 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-weight:400;line-height:120%">IFRS 17 introduced substantial changes in the accounting of insurance contracts with the aim of achieving greater homogeneity and increasing comparability among entities. With the implementation of IFRS 17, the valuation of insurance contracts is based on a model that uses updated assumptions for each reporting 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%">The impact on equity of the first-time application of IFRS 17 as of January 1, 2023 on the BBVA Group included the impact in transition and financial information from January 1, 2022 to December 31, 2022 as restated under IFRS 17. A non-significant effect was observed when comparing the results expressed under IFRS 4 with those restated under IFRS 17 in 2022, except in specific cases, the impact of which was recorded in &#8220;Retained earnings&#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 impact of the transition from IFRS 4 to IFRS 17 on accumulated other comprehensive income (loss</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) and retained earnings related </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">mainly to long-term contracts. The impact on equity recognized at the date of entry into force of IFRS 17 (January 1, 2023) was not significant for the consolidated financial statements 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-weight:400;line-height:120%">For additional information on the application of IFRS 17, see Note 2.2.8 to the Consolidated Financial Statements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="i7bc4cce46ec646bba628ff88825a2a34_18370"></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">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 Turkish, Argentine and Venezuelan economies have been considered hyperinflationary, as defined by IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#8221;, since 2022, 2018 and 2008, respectively. All the components of the financial statements (including income statement items) of entities located in such countries</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 each case, for any period in which the relevant economy was considered to be hyperinflationary) have been converted at the relevant period-end exchange rate for inclusion in our consolidated financial statements, and the resulting conversion differences have been recorded within &#8220;Accumulated other comprehensive income (loss)&#8221; in accordance with IAS 21 &#8220;Effects of Changes in Foreign Exchange Rates&#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%">For information on the application of IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#8221; and IAS 21 &#8220;Effects of Changes in Foreign Exchange Rates&#8221; to hyperinflationary economies, see Note 2.2.18 to the Consolidated Financial Statements. </span></div><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:150pt"></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:5.2pt;font-weight:400;line-height:130%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> With respect to Turkey, 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 BBVA 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%">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%">2024 Share Buyback Program</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 1, 2024, after receiving the required authorization from the ECB, BBVA announced that it would implement a buyback program for the repurchase of own shares in accordance with the provisions of Regulation (EU) No. 596/2014 of the European Parliament and of the Council of April 16, 2014 on market abuse and Commission Delegated Regulation (EU) 2016/1052 of March 8, 2016 supplementing Regulation (EU) No 596/2014 of the European Parliament and of the Council with regard to regulatory technical standards for the conditions applicable to buyback programs and stabilization measures, aimed at reducing BBVA&#8217;s share capital by a maximum monetary amount of &#8364;781 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%">On April 9, 2024, BBVA announced the completion of the execution of the share buyback program upon reaching the maximum monetary amount, having acquired 74,654,915 own shares between March 4 and April 9, 2024, representing, approximately, 1.28% of BBVA&#8217;s share capital as of April 9, 2024. The execution of the share buyback program was carried out externally by Citigroup Global Markets Europe AG.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 24, 2024, BBVA announced the partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 15, 2024, by reducing BBVA&#8217;s share capital in a nominal amount of &#8364;36,580,908.35 and the consequent redemption of 74,654,915 shares of &#8364;0.49 par value each acquired by BBVA in execution of the share buyback program scheme and which were held as treasury shares (see Notes 26, 27, 28 and 29 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: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%">Following the publication of our consolidated financial statements as of and for the years ended December 31, 2023, 2022 and 2021 included in our annual report on Form 20-F for the year ended December 31, 2023, certain immaterial balance sheet intra-group adjustments between the Corporate Center and the operating segments were reallocated to the corresponding operating segments. In addition, certain expenses related to global projects and activities were reallocated between the Corporate Center and the corresponding operating segments. In order to make the segment information as of and for the years ended December 31, 2023 and 2022 comparable with the segment information as of and for the year ended December 31, 2024, segment information as of and for the years ended December 31, 2023 and 2022 has been revised in conformity with these intra-group adjustments. These intra-group adjustments had no impact at the consolidated 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%">In addition, with the entry into force of IFRS 17, the balance sheet as of December 31, 2022 and the income statement for the year ended December 31, 2022 of the operating segments of the BBVA Group were restated (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;Changes in Accounting Policies&#8212;IFRS 17 &#8211; Insurance contracts</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; herein).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 6 to the Consolidated Financial Statements for information on our 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: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 (the Capital Markets Board of Turkey or &#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 resulted in a capital gain of approximately &#8364;924 million (including the impacts after the application of IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#8221;, see Note 2.2.18 to the Consolidated Financial Statements). 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 &#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, 2022 was 85.97% (the same percentage as on December 31, 2024).</span></div><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:150pt"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',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:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;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 style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;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%">7</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="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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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%">9</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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;text-indent:17.86pt"><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:10pt;margin-top: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%">MACROECONOMIC AND GEOPOLITICAL RISKS</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%">A deterioration in economic or political conditions 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:10pt;margin-top:10pt;text-align:justify;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, especially Spain, Mexico and Turkey, which respectively represented 54.1%, 21.8% and 10.7% of the Group&#8217;s assets as of December 31, 2024 (59.0%, 22.4% and 8.8% as of December 31, 2023, respectively, and 60.0% 20.0% and 9.3%, as of December 31, 2022, respectively). Additionally, the Group is exposed to sovereign debt, especially sovereign debt related to these countries. 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:10pt;margin-top:10pt;text-align:justify;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 is currently facing a number of extraordinary challenges. The war between Ukraine and Russia and armed conflicts and political instability in the Middle East have led to significant disruption, instability and volatility in global markets, particularly in energy markets. Uncertainty about the future development of these conflicts is high. One of the main risks is that they could generate new supply shocks, pushing growth downward and inflation upward (including by contributing to increases in the prices of oil, gas and other commodities and disrupting supply chains), and paving the way for macroeconomic and financial instability episodes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Geopolitical and economic risks have also increased in recent years as a result of trade tensions between the United States and China, Brexit and the rise of populism, among other factors. Growing tensions and the rise of populism may lead, among other things, to a deglobalization of the world economy, an increase in protectionism, a general reduction of international trade 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;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 countries where we operate are also vulnerable to certain country-specific challenges. In Spain, political, regulatory and economic uncertainty has increased since the 2023 general elections, and there is a risk that policies could be adopted that have an adverse impact on the economy or the Group. There is also a risk that political tensions in other European countries could affect Spain. In Mexico, there is high uncertainty on the impact of the recently approved constitutional reforms, as well as on the policies of the new local government and the new U.S. administration (in particular, if protective measures adopted by the United States become more aggressive or persist over time, which could adversely impact the country&#8217;s economic growth). In Turkey, while there are signs of normalization in economic policy in general, and monetary policy in particular, since the general elections held in May 2023, macroeconomic conditions remain relatively unstable, characterized by pressures on the Turkish lira, high inflation, a significant trade deficit, low central bank&#8217;s foreign reserves and high external financing costs. In addition, regulatory and macroprudential policies affecting the banking sector, including measures adopted to increase the weight of Turkish lira-denominated assets and liabilities of the banking system, and economic conditions in Turkey, including changes in official interest rates (with Turkey&#8217;s real interest rate still being negative given the high inflation) have affected and may continue to affect the Group&#8217;s results. There is also uncertainty about the impact of the recent developments in the Middle East on Turkey. In particular, recent regime changes in Syria create opportunities, such as a potential increase in exports and lower migration pressures, but also risks, which could cause greater volatility of Turkish financial assets, among other possible 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%">In Argentina, the risk of economic and financial turbulence persists in a context in which the new government has substantially modified the economic policy framework and has focused its efforts on implementing strong fiscal and monetary adjustments to reduce inflation. In Colombia and Peru, climate factors, political tensions and greater social conflict could have a negative impact on the 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%">Further, the policies to be adopted by the new U.S. government are an additional source of uncertainty for the Mexican and global economy. During February 2025, the U.S. government imposed certain tariffs (some of which were subsequently delayed) on imports from Canada, Mexico and China, which resulted in China adopting retaliatory tariffs. If the announced tariffs affecting Mexico are ultimately implemented, this may have a material adverse effect on Mexico&#8217;s economy. These and other policies of the new administration&#8212;including fiscal, regulatory, industrial or foreign policies&#8212;could slow U.S. or global economic growth (especially, if they give rise to trade wars), increase inflation, affect interest rates or otherwise increase financial and macroeconomic instability, any of which could adversely affect 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%">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="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%">Moreover, official interest rates, the regulatory and macroprudential policies affecting the banking sector and currency depreciation have affected and may continue to affect the Group&#8217;s results. In recent years, the Group&#8217;s results of operations have been particularly affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, contributing to the rise in both interest revenue and interest expenses. The persistence of interest rates at relatively high levels or any increase in interest rates in the future could adversely affect the Group by reducing the demand for credit and leading to an increase in the default rate of its borrowers and other counterparties.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;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%">Moreover, the Group&#8217;s results of operations have been affected by inflation in all countries in which BBVA operates, especially Turkey and Argentina, and by the depreciation of certain currencies, especially the Turkish lira and the Argentine peso. </span></div><div style="text-align:justify;text-indent:17.85pt"><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-weight:400;line-height:120%">In the current context, one of the main risks is that inflation remains high, either due to new supply shocks, related for example to the geopolitical and political risks referred to above or climate events, or due to demand factors, caused by an excessively expansionary fiscal policy, the robustness of labor markets, or other factors. Significant inflationary pressures could lead to interest rates remaining higher than currently forecasted, which could negatively affect the macroeconomic environment and financial markets. </span></div><div style="text-align:justify;text-indent:17.85pt"><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-weight:400;line-height:120%">Another macroeconomic risk is the possibility of a sharp global growth slowdown. In a context marked by uncertainty and still elevated interest rates, labor markets and aggregate demand could weaken more significantly than expected. Moreover, despite increasing economic stimulus measures, growth in China could slow sharply, with a potentially negative impact on many geographical areas, due to tensions in real estate markets and economic sanctions imposed by the United States, among other factors. Furthermore, there is an increasing risk of sovereign debt tensions, given the high debt levels in developed and emerging countries, relatively high interest rates and weak economic growth prospects.</span></div><div style="text-align:justify;text-indent:17.85pt"><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%">Further, the Group is exposed to, among other risks, the following general risks with respect to the economic and institutional environment in 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; stagflation due to more intense or prolonged supply shocks such as, for example, an increase in oil and gas prices to very high levels, which would 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 exchange rates; an unfavorable evolution of the real estate market; changes in the institutional environment of the countries in which the Group operates, which 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; high public debt or external deficit, which could lead to a downward revision of the credit ratings of the sovereign debt and even a possible default or restructuring of such debt; and episodes of volatility in the financial markets, which could cause significant losses 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%">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="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 any of Spain, Mexico and Turkey may have a material adverse effect on our business, financial condition and results of 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%">The Group has historically carried out its lending activity mainly in Spain, which continues to be its primary business area. In addition, the Group is significantly exposed to Mexico and, to a lesser extent, Turkey. As of December 31, 2024, total risk in financial assets in Spain, Mexico and Turkey (in each case calculated as set forth in Appendix IX (Additional information on risk concentration) of the Consolidated Financial Statements) amounted to &#8364;239,058 million, &#8364;143,924 million and &#8364;62,473 million, respectively, equivalent to 34%, 21% and 9%, respectively, of the Group&#8217;s total risk in financial assets. The Group&#8217;s gross exposure to loans and advances to customers in Spain, Mexico and Turkey totaled &#8364;<ix:nonFraction unitRef="eur" contextRef="c-14" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-68">232,185</ix:nonFraction> million, &#8364;<ix:nonFraction unitRef="eur" contextRef="c-15" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-69">91,717</ix:nonFraction> million and &#8364;<ix:nonFraction unitRef="eur" contextRef="c-16" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-70">50,083</ix:nonFraction> million, respectively, as of December 31, 2024, representing 55%, 22% and 12%, respectively, of the Group&#8217;s total amount of loans and advances to customers.</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%">Given the significance of the Group&#8217;s exposure to each of Spain, Mexico and Turkey, any adverse change affecting political, economic and social conditions in any such country 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;text-indent:17.86pt"><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: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%">The Group&#8217;s business is subject to inherent risks concerning counterparties&#8217; credit quality and the value of collateral</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="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:10pt;margin-top:10pt;text-align:justify;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, 2024 was &#8364;<ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-71">972,990</ix:nonFraction> million (&#8364;<ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-72">904,889</ix:nonFraction> million and &#8364;<ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-73">815,533</ix:nonFraction> million as of December 31, 2023 and 2022, respectively). The Group has exposures to many different products and counterparties, 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 borrowers), or any adverse changes in the value of 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 credit sovereign rating or 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 (including as a result of natural disasters), increased retail or corporate insolvency levels, 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:10pt;margin-top:10pt;text-align:justify;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 non-performing loan (&#8220;NPL&#8221;) ratio (3.0%, 3.4% and 3.4% as of December 31, 2024, 2023 and 2022, respectively) has remained relatively stable. Improvements in the Group&#8217;s NPL ratio in 2024 were driven to a significant extent by (i) the increase in lending activity, in particular, loans to enterprises and, to a lesser extent, consumer and credit card loans (which are loans that generally entail greater profitability but also carry a greater default risk), (ii) the sale of portfolios of non-performing mortgage loans and certain unsecured retail portfolios and (iii) lower net entries of non-performing loans in the mortgage portfolio, particularly in Spain, and higher recoveries globally. While interest rates have begun to decrease in certain countries, they remain relatively high, and the persistence of high interest rates or any increase in interest rates in the future may lead to a deterioration of the Group&#8217;s NPL ratio and an increase in the Group&#8217;s risk-weighted assets (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">RWAs</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%">&#8212;The Group&#8217;s business is particularly vulnerable to interest 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%">Furthermore, a deterioration of economic conditions 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, 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 at a global level was &#8364;94,577 million as of December 31, 2024 (&#8364;93,358 million and &#8364;92,064 million as of December 31, 2023 and 2022, respectively), 71.9%</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%">of which related to Spain as of December 31, 2024. Further, the Group&#8217;s corporate credit portfolios include real estate developers and constructors. As of December 31, 2024, the Group&#8217;s exposure to the construction and real estate sectors (excluding the mortgage portfolio) in Spain was equivalent to &#8364;9,600 million, of which &#8364;2,207 million corresponded to loans for construction and development activities in Spain (representing 1.2% 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, 2024). The total real estate exposure (excluding the mortgage portfolio), including developer credit and foreclosed assets had a coverage ratio of 24% in Spain as of December 31, 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 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, that it has made insufficient provisions for such risks in a timely manner and that it has overestimated the extent to which it may be able to recover certain debts, including aged non-performing loans. 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: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%">The Group&#8217;s business is particularly vulnerable to interest 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 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. Changes in market interest rates often 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 (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;The Group&#8217;s business is subject to inherent risks concerning counterparties&#8217; credit quality and the value of collateral, particularly in Spain, that strengthens its lending portfolio</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%">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:10pt;margin-top:10pt;text-align:justify;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 Group&#8217;s results of operations have been positively affected by the increases in interest rates adopted by central banks in recent years in an attempt to tame inflation, contributing to a rise in net interest income that exceeded the corresponding rise in funding costs. Interest rates have begun to decline in most of the regions in which BBVA is present (including the Eurozone and the United States) driven by the central banks&#8217; monetary policies in response to easing inflationary pressures. However, interest rates remain relatively high compared to prior years. The continued prevalence of high interest rates or any increase in interest rates in the future 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 counterparties (including borrowers). In particular, the repayment capacity of loans tied to variable interest rates is more sensitive to changes in interest rates. As of December 31, 2024, 2023 and 2022, 45.6%, 47.7% and 49.2%, respectively, of the Group&#8217;s gross exposure to loans and advances to customers with maturity greater than one year had floating-interest rates. Changes in interest rate policies may be implemented at a different pace across regions and it is possible that such policies could be accelerated or reversed based on various factors, such as inflation, economic growth or financial stability concerns among other 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%">As a result of the foregoing, the evolution of interest rates 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:'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:10pt;margin-top:10pt;text-align:justify;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 (for example, neobanks, a new generation of financial institutions that operate exclusively online, without physical branch networks). In recent years, the financial services sector has undergone a significant transformation driven by the development of mobile technologies, data-driven innovation, and the entry of new players into activities previously controlled by financial institutions. Although the Group is making efforts to adapt to these changes through its digital transformation, its competitive position is also affected by some regulatory asymmetries that benefit non-bank operators. 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. For instance, 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:10pt;margin-top:10pt;text-align:justify;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 artificial intelligence, cloud computing, big data analysis, 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 investments 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 or sale of certain branches and the restructuring of others, and a significant reduction in headcount. These changes could result in sizable expenses as the Group reconfigures and transforms its commercial network. In addition, the trend towards the consolidation in the banking industry has created larger banks with which the Group must compete. Any failure by the Group to adapt to its competitive environment or failure 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:10pt;margin-top:10pt;text-align:justify;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 and adequately manage information technology obsolescence. While the Group has focused on developing its technological capabilities in recent years and is committed to digitization, its ability to capture the benefits of emerging technologies and otherwise 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 hand, 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="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: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%">The Group faces risks derived from its international geographic diversification and its significant presence in emerging countries, which exposes it to heightened political risks</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 be exposed 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 a significant presence in several emerging countries, particularly in Mexico and in Turkey (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%">Political, economic and social conditions in any of Spain, Mexico and Turkey may have a material adverse effect on our 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;), and is therefore vulnerable to any deterioration in economic, social or political conditions in these countries. Further, the Group has significant operations 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%">Generally, emerging economies face higher anti-money laundering and other compliance risks as a result of greater political instability, higher levels of corruption, weaker governance structures and fewer financial and technical resources dedicated to enforcement. Further, emerging markets are generally affected by the conditions of other 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 risks associated with investing in emerging economies, in general, or in emerging markets where the Group operates, in particular, could trigger capital outflows from those economies and adversely affect such economies and therefore the Group. Moreover, emerging countries are more prone experiencing significant changes in inflation and volatility in 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 44.4% for the year ended December 2024 (according to the Turkish Statistical Institute, TUIK) and the Turkish lira depreciated 11.1% against the euro as of December 31, 2024 compared to 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%">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 these restrictions will be lifted in the future, or that further restrictions will not be imposed. Since BBVA&#8217;s ability to pay dividends depends, in part, on the receipt of dividends from its subsidiaries, such restrictions may affect BBVA&#8217;s ability to pay 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%">ESG risks (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%">Environmental, social and governance (ESG) risks may adversely impact the Group</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) may also be higher in the emerging markets where the Group operates as a result of, among other things, more limited resources and capital for ESG investment, lack of comprehensive and reliable data on ESG practices, resource dependency that leads to unsustainable practices at odds with ESG initiatives and underdeveloped or inconsistently enforced regulatory frameworks.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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:10pt;margin-top:10pt;text-align:justify"><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%">Environmental, social and governance</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;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-style:italic;font-weight:700;line-height:120%">ESG</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;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-style:italic;font-weight:700;line-height:120%"> risks may adversely impact 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%">ESG factors present risks associated with (i) climate change, including physical risks and transition risks (linked, among others, to changes in regulations, technologies, and market preferences associated with the transition to a less carbon-dependent economy); (ii) other environmental factors, such as biodiversity loss, water stress and other nature-related factors; (iii) social factors, such as human rights, inclusion, diversity and workplace safety; and (iv) corporate governance matters, such as the governance of environmental and social risks. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ESG risks include short, medium and long-term risks that may adversely affect the Group and its customers or counterparties. Such risks are expected to increase and/ or evolve over 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%">Among others, they include the following: </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: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">Physical risks:</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> the activities of the Group or those of its customers or counterparties could be adversely affected by the physical risks (including acute and chronic) arising from climate change or other environmental challenges. For example, extreme weather events may damage or destroy properties and other assets of the Group or those of its customers or counterparties, make the insurance against certain risks more expensive or unfeasible, 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 granted as collateral to the Group. The Group is also exposed to potential long-term physical risks arising from climate change and other environmental challenges, such as any ensuing deterioration in economic conditions that results in credit-related costs, or potential impacts on the Group&#8217;s assets and operations. The Group could also be required to change its business models in response to the foregoing. </span></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">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%">: legal and regulatory changes related to how banks are required to manage climate and other ESG risks or otherwise affecting banking practices or disclosure of information may result in higher compliance, operational and credit risks and costs. The Group&#8217;s customers and counterparties may be exposed to similar risks. Further, legal and regulatory changes may result in legal uncertainty and the existence of overlapping or conflicting regulatory or other requirements. They may also give rise to regulatory asymmetries whereby some persons, including the Group and its customers and counterparties, are more heavily regulated than others, placing such persons at a disadvantage. The Group or its customers or counterparties may be unable to meet any new requirements on a timely basis or at all, including new product and service specifications, governance frameworks and practices and disclosure requirements and standards. In addition, in the case of banks, new regulation could include requirements related to lending, investing, capital and liquidity adequacy and operational resilience. The incorporation of ESG risks in the existing prudential framework is still developing and may result in increased risk weighting of certain assets. Moreover, there are significant risks and uncertainties inherent in the development of adequate risk assessment and modelling capabilities with respect to ESG-related matters and the collection of customer, third party and 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, any of which could adversely affect the Group&#8217;s disclosure and financial reporting. Further, increased regulation arising from climate change and other ESG-related challenges could result in increased litigation by different stakeholders (including non-governmental organizations (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NGOs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;)) and regulatory investigations and actions.</span></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">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 and costs associated with new low-carbon technologies. If the Group&#8217;s 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: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">Market risks:</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> the Group and certain of the Group&#8217;s customers and counterparties may be adversely affected by changes in market preferences due to, among others, increased ESG awareness. Further, the funding costs of businesses that are perceived to be more exposed to climate change or to other ESG-related risks could increase. Any of this could result in the reduced creditworthiness of such customers and counterparties, adversely affecting the Group&#8217;s relevant loan portfolios. The Group and its customers and counterparties could also be adversely affected by changes in prices resulting from shifts in demand or supply brought by climate change or other ESG-related factors, including prices of energy and raw materials, or by their inability to foresee or hedge any such changes.</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: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">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 and other ESG-related challenges as a risk by society, shareholders, customers, governments and other stakeholders (including NGOs) continues to increase, including in relation to the financial sector&#8217;s activities. This may result in increased scrutiny of the Group&#8217;s activities, as well as its ESG-related policies, goals, disclosures or communications. The Group&#8217;s reputation and ability to attract or retain customers may be harmed if its efforts to reduce ESG-related risks are deemed to be insufficient or if a perception is generated among the different stakeholders that the Group&#8217;s statements, actions or disclosure do not fairly reflect the underlying sustainability profile of the Group, its products, services, goals and/or policies. At the same time, the Group may refrain from undertaking lending or investing activities or other services that would otherwise have been profitable in order to fulfill its obligations or avoid reputational harm. Further, divergent views on ESG policies may also have a negative impact on the Group&#8217;s reputation. Increased scrutiny of the Group&#8217;s activities, as well as its ESG-related policies, goals and disclosure may result in litigation and investigations and supervisory actions (including potential greenwashing claims). The Group has disclosed certain aspirational ESG-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 regulation and policy, the pace of technological change and innovation and the actions of governments and the Group&#8217;s customers and competitors. Potential greenwashing claims arising from ESG-related statements, disclosure and/or actions of the Group may also give rise to reputational risks.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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: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%">The outbreak and spread of a pandemic and other large-scale public health events 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;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Economic conditions in the countries in which the Group operates may be adversely affected by an outbreak of a contagious disease, such as COVID-19 (coronavirus), which develops into a regional or global pandemic and other large scale public health events. The measures that may be taken by governments, regulators and businesses to respond to any such pandemic or event may lead to slower or negative economic growth, supply disruptions, inflationary pressures and significant increases in public debt, and may also adversely affect the Group&#8217;s counterparties (including borrowers), which may lead to increased loan losses. Such measures could also impact the business and operations of third parties that provide critical services to 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%">If there were an outbreak of a new pandemic or another large-scale public health event occurs in the future, the Group may experience an adverse impact, which may be material, on its business, financial condition and results of operations, including as a result of the exacerbation of any of the other risks described in this section.</span></div><div style="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:115%">The Group faces risks related to its acquisitions and divestitures activity, including the Exchange Offer</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 certain recent and ongoing 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 Expenditures</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 4. Information on the Company&#8212;Other Relevant 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%">On May 9, 2024, BBVA announced its decision to launch the Exchange Offer, a voluntary exchange offer for the acquisition of all of the issued and outstanding shares of the Target Company, with the intention of promoting, after completion of the Exchange Offer, a merger by absorption of the Target Company by BBVA (the &#8220;Merger&#8221;), unless market conditions at the time of the decision or any other relevant circumstances make it inadvisable to carry out such Merger on such terms or at such 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%">The Group may not complete the Exchange Offer, the intended Merger or any other ongoing or future transaction in a timely manner, on a cost-effective basis or at all. The Exchange Offer is subject to CNMV Clearance (as defined herein) and to several conditions, including Antitrust Clearance and the Minimum Acceptance Condition (each as defined herein), and there can be no assurance that these conditions will be satisfied in a timely manner or at all. If any of these conditions are not satisfied and, if applicable, BBVA does not waive such condition, BBVA will not be able to complete the Exchange Offer. Similarly, if the Exchange Offer is completed, regardless of the percentage of Target Company shares acquired by BBVA pursuant to the Exchange Offer, the consummation of the Merger would require the formulation of a joint merger plan by BBVA&#8217;s and the Target Company&#8217;s respective boards of directors, approval of such plan by BBVA&#8217;s and the Target Company&#8217;s respective shareholders and the prior authorization of the Spanish Ministry of Economy, Trade and Business. If any of the foregoing corporate approvals or the authorization from the Economy, Trade and Business Minister is not obtained, the Merger will not be consummated.</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:10pt;margin-top:10pt;text-align:justify;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 Exchange Offer is not conditional on obtaining clearance or non-opposition from certain antitrust authorities and various competent regulatory bodies for the acquisition of control over regulated subsidiaries of the Target Company. If any of such governmental and regulatory approvals and authorizations are not obtained, and the Exchange Offer is completed, BBVA may ultimately be subject to fines or other administrative sanctions, may be required to make certain divestitures, may lose certain licenses held by subsidiaries of the Target Company or may have its voting rights with respect to the affected subsidiaries suspended.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 if completed, the Exchange Offer, the Merger or any other ongoing or future transaction may not have the expected results. If the Exchange Offer is completed, BBVA cannot guarantee that some or all of the expected benefits of the transaction, including expected cost and financing synergies, will be achieved. In addition, if the Exchange Offer were to be completed but BBVA were unable to complete the Merger subsequently, this could impede the integration of BBVA&#8217;s operations with those of the Target Company and thereby make it more difficult to achieve the costs savings and other operating efficiencies envisaged. If the Merger were not consummated for any reason, BBVA believes that it is unlikely to achieve the full cost savings and other operating efficiencies or to realize the revenue and earnings growth that might otherwise be possible. Additionally, such cost savings and other operating efficiencies and revenue and earnings growth may be realized more slowly. However, if the Merger were not consummated, BBVA believes that it will be able to capture the majority of the cost synergies that would be realized if the Merger were consummated because BBVA will still be able to centralize certain processes of the Target Company within BBVA and to operate both banks from a joint IT platform with multi-bank functionality for all products, services and 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%">Moreover, 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. In addition, if completed, the Group&#8217;s results of operations could be adversely affected by acquisition- or divestiture-related charges and contingencies. The Group may also be subject to litigation in connection with, or as a result of, the Exchange Offer or other acquisitions or divestitures, 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:10pt;margin-top:10pt;text-align:justify;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 deciding to make the Exchange Offer, evaluating its risks and merits and determining the terms and conditions thereof, BBVA did not have access to non-public information regarding the Target Company. BBVA has instead conducted its analysis on the Target Company using solely publicly available information, assuming the accuracy and material completeness thereof. The absence of access to non-public information regarding the Target Company necessarily limits BBVA&#8217;s ability to accurately anticipate and evaluate the consequences of completing the Exchange Offer, including any losses, costs or other liabilities that may be incurred as a result thereof. For example, without access to non-public information regarding the Target Company, BBVA may have failed to discover liabilities, contingent or otherwise, or operating or other matters relating to the Target Company&#8217;s business that are not disclosed in publicly available information concerning the Target Company. Any such undisclosed liabilities or matters could require significant effort and expense to address and could ultimately have an adverse effect on BBVA&#8217;s business, financial condition, results of operations and prospects. Furthermore, completion of the Exchange Offer may constitute a breach or default under agreements or instruments of the Target Company, or otherwise result in the acceleration of obligations (including, without limitation, payment obligations) or changes to rights thereunder or the termination thereof. The Target Company (and the Group, given the Target Company would then be a member of the Group) may incur liabilities relating to any such breach or default and may also be unable to replace a terminated agreement or instrument on comparable terms or at all, in the event such a replacement is deemed necessary. Depending on the importance of a terminated agreement or instrument to the Target Company&#8217;s business, failure to replace that agreement or instrument on similar terms or at all may increase the costs to BBVA of operating the Target Company&#8217;s business or prevent BBVA from operating part or all of the Target Company&#8217;s 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%">Additionally, while BBVA has assumed the accuracy and completeness of publicly available information concerning the Target Company, such information may contain errors or omissions. Since BBVA was not involved in the preparation of such information, it cannot give assurance that such information is accurate and complete. Any errors or omissions in the information publicly available to BBVA relating to the Target Company may have affected BBVA&#8217;s analysis and estimations of the risks and merits of the Exchange Offer (including BBVA&#8217;s assumptions with respect to the future operations, profitability, asset quality and other matters relating to the Target Company, including the anticipated synergies expected to result from the Exchange Offer), its decision to make the Exchange Offer and its determination of the terms and conditions thereof.</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:10pt;margin-top:10pt;text-align:justify;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, BBVA may not have anticipated all losses, costs and other liabilities that may be incurred in connection with the Exchange Offer if the Exchange Offer is completed or may have failed to accurately analyze or estimate the consequences of completing the Exchange Offer, either of which could have an adverse effect on the Group&#8217;s business, financial condition and results of operations after completion of the Exchange Offer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 or have consequences that adversely affect the Group&#8217;s results of operations. For example, uncertainty about the effect of the Exchange Offer on BBVA&#8217;s and/or the Target Company&#8217;s (as a future member of the Group) employees and customers could adversely affect BBVA&#8217;s or the Target Company&#8217;s ability to retain and motivate its key personnel until and after the Exchange Offer is completed and could cause customers, suppliers, licensees, partners and other third parties that deal with BBVA or the Target Company to defer from entering into contracts with BBVA or the Target Company or to make other decisions that adversely affect BBVA or the Target Company, including the termination of existing business relationships with BBVA or the Target 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%">In addition, if the Exchange Offer is not completed, the market prices of BBVA securities may decline or otherwise be subject to fluctuations to the extent that the current market prices of BBVA securities reflect a market assumption that the Exchange Offer will be completed. In addition, the failure to complete the Exchange Offer may result in negative publicity or affect BBVA&#8217;s reputation in the investment community and may affect BBVA&#8217;s relationship with employees, clients and other partners in the business community. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 completion of the Exchange Offer, BBVA will be exposed to other risk factors specific to the Target Company&#8217;s business or otherwise arising from the Exchange Offer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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: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%">The structure, capital, leverage, liquidity, MREL and resolution profile of the Group if the Exchange Offer is completed remains uncertain</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Completion of the Exchange Offer may adversely affect the capital, leverage, liquidity, MREL or resolution profile of BBVA or the Group. The information regarding the expected capital impact on the CET1 ratio of the Group if the Exchange Offer is completed (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;Other Relevant Information</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) represents unaudited estimates prepared by BBVA relating to BBVA and the Target Company. These estimates were prepared by BBVA, based on a number of assumptions and estimates and the publicly available information of the Target Company. Actual capital ratios of the Group following any closing of the Exchange Offer may be significantly different from BBVA&#8217;s estimates provided herein. In addition, the regulatory and contractual consequences of the Exchange Offer with respect to outstanding instruments issued by the Target Company have not been analyzed by BBVA. Completion of the Exchange Offer and/or the intended Merger could give rise to computability or succession-related issues with respect to certain outstanding instruments of the Target Company or lead to other consequences affecting the obligations of the Target Company and/or BBVA with respect thereto.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 closing of the Exchange Offer may increase the actual or perceived systemic importance of BBVA within the Spanish financial system. If the relevant regulators were to impose additional capital, leverage, liquidity, MREL or resolution requirements or buffers or any other requirements or constraints on the structure or operations of the Group following any closing of the Exchange Offer, this could require the Group to issue additional capital instruments or MREL and/or result in BBVA incurring additional 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%">Any such effects, imposition of additional requirements or buffers or imposition of other requirements or constraints 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;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 RISKS</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%">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="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:10pt;margin-top:10pt;text-align:justify;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, 2024, the balance of customer deposits represented 77% 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). Since 2022, competition for deposits has increased in various of the regions where the Group operates as interest rates have increased and competitors (including neobanks) have offered remuneration on customer deposits. The vast majority of the Group&#8217;s deposits are demand deposits, which may be freely withdrawn by depositors at any time. The methods for withdrawing or transferring deposits, and the speed with which such transactions may be realized, continue to increase, which could affect the stickiness of the Group&#8217;s deposit base.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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, 2024, debt securities issued by the Group represented 12% of the total financial liabilities at amortized cost of 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%">In addition, while the Group&#8217;s current use of public sources of liquidity is limited, the Group has historically made 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. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:115%">The Group depends on its credit ratings and sovereign credit ratings, especially Spain&#8217;s and Mexico&#8217;s credit ratings</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 (including in connection with the completion of the Exchange Offer), 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:10pt;margin-top:10pt;text-align:justify;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 and Mexican sovereign debt. The Group holds a significant portfolio of debt issued by Spain, Spanish autonomous communities, Mexico and other Spanish and Mexican issuers. As of December 31, 2024 and 2023, the Group&#8217;s exposure (per European Banking Authority (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#8220;EBA&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) criteria) to Spain&#8217;s public debt portfolio was &#8364;51,833 million and &#8364;46,978 million, respectively, representing 6.7% and 6.1% of the consolidated total assets of the Group, respectively. As of December 31, 2024 and 2023, the Group&#8217;s exposure (per EBA criteria) to Mexico&#8217;s public debt portfolio was &#8364;31,681 million and &#8364;38,583 million, respectively, representing 4.1% and 5.0% of the consolidated total assets of the Group, 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%"> Any decrease in the credit rating of Spain or Mexico 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 these countries, 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: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%">The trading market for securities issued by BBVA depends in part on the research reports of third-party securities analysts</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:10pt;margin-top:10pt;text-align:justify;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 trading market for securities issued by BBVA depends in part on the research reports that third-party securities analysts publish about BBVA and the industry and the countries in which it operates. The publication by one or more of these analysts of a negative recommendation or unfavorable outlook with respect to BBVA (including in connection with the completion of the Exchange Offer) or the industry and countries in which it operates could cause the trading price of any such securities to decline.</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%">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:10pt;margin-top:10pt;text-align:justify;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:10pt;margin-top:10pt;text-align:justify;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). These include a deteriorating macroeconomic environment, armed conflict and political instability in the Middle East, the war between Ukraine and Russia, the surge of populist trends in several countries, increased trade and geopolitical tensions and the consequences of Brexit, any of which could increase global financial volatility and lead to the reallocation of assets. In addition, there is risk of a sharp global growth slowdown. 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="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%">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:10pt;margin-top:10pt;text-align:justify;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 Group&#8217;s Assets and Liabilities Committee (&#8220;ALCO&#8221;) and 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 ALCO 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. 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:10pt;margin-top: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%">LEGAL RISKS</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%">The Group is party to a number of legal and regulatory actions and 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 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="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:10pt;margin-top:10pt;text-align:justify;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 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, in connection with transactions in Mexican government bonds. This investigation concluded with the Commission imposing fines on all financial institutions involved, including a fine insignificant in amount imposed on BBVA Mexico, 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, the 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. The plaintiffs filed a motion for reconsideration of that decision in May 2021, which the judge denied in March 2022. Final judgment dismissing the plaintiffs&#8217; claims was entered in August 2022. In September 2022 the plaintiffs appealed the district court&#8217;s decisions to the United States Court of Appeals for the Second Circuit. On February 9, 2024, the United States Court of Appeals for the Second Circuit vacated the district court&#8217;s decisions, and in June 2024, the plaintiffs filed a new complaint in the United States District Court for the Southern District of New York. In July 2024, the defendants moved to dismiss the new complaint. On January 15, 2025, the judge denied the defendants&#8217; motion to dismiss. The case is ongoing.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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:10pt;margin-top:10pt;text-align:justify;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 other jurisdictions where the Group operates, legal and regulatory actions and proceedings against financial institutions, prompted in part by certain 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 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. 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:10pt;margin-top:10pt;text-align:justify;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 also claims before the Spanish courts challenging the validity of certain revolving credit card agreements. Rulings in these types of proceedings, whether against the Bank or other financial institutions, could negatively affect 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%">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:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024, the Group had &#8364;791 million in provisions for the proceedings it is facing. See Note 24 to the Consolidated Financial Statements. 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 it is not required on the basis of the information available) 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:10pt;margin-top:10pt;text-align:justify;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, 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="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: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%">The Spanish judicial authorities are carrying out a criminal investigation relating to possible bribery and revelation of secrets by 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%">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. 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. Since the beginning of the investigation, BBVA has been 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.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 order of the Criminal Chamber of the National High Court, the pre-trial phase ended on January 29, 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%">On June 20, 2024, the Judge issued an order authorizing the continuation of abbreviated criminal proceedings against BBVA and certain current and former officers and employees of BBVA, as well as against some former directors, for alleged facts which could constitute bribery and revelation of secrets.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It is not possible at this time to predict the possible outcomes or implications for the Group of this matter, including any fines, damages or harm to the Group&#8217;s reputation caused thereby.</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%">REGULATORY, TAX, COMPLIANCE AND REPORTING RISKS </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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; the protection of personal data 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:10pt;margin-top:10pt;text-align:justify;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 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 and awareness 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-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, damage to the Group&#8217;s reputation, 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:'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:10pt;margin-top:10pt;text-align:justify;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 subject to a comprehensive regulatory and supervisory framework, the complexity and scope of which has increased significantly following the 2008 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="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:10pt;margin-top:10pt;text-align:justify;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 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. The Group&#8217;s regulatory and supervisory authorities may also 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 or reputation, 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:10pt;margin-top:10pt;text-align:justify;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 most significant regulatory changes resulting from the 2008 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 the Group&#8217;s unsecured debt. Likewise, 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 that it 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 certain securities issued by the Group (or their terms, if amended following any exercise of the Spanish Bail-in Power (as defined herein)).</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%">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:10pt;margin-top:10pt;text-align:justify;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 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 the Group believes it meets its current requirements (as applicable to BBVA and the Group as a whole, respectively), the capital requirements, 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;) 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 BBVA and/or the Group will not be subject to more stringent requirements at any future time. Likewise, no assurance can be given that BBVA 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, or that BBVA and/or the Group will be able to comply with any capital target that may have been announced to the market. Any such failure could be adversely perceived by investors and/or supervisors who could interpret that a lack of capital-generating capacity for BBVA and/or the Group exists or that the capital structure has deteriorated, either of which could adversely affect the market value or behavior of securities issued by BBVA and/or the Group (any of its capital instruments and eligible liabilities). Further, BBVA and/or the Group may report amounts different from consensus estimates, which may also affect market perceptions of BBVA and 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><hr style="page-break-after:always"/><div style="min-height: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%">If BBVA or the Group failed to comply with its &#8220;combined buffer requirement&#8221;, BBVA 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, BBVA would not be able to make any (i) distributions relating to CET1 capital; (ii) payments related to variable remuneration or discretionary pension benefits; and (iii) distributions linked to additional tier 1 (AT1) instruments (collectively, &#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;). Once the MDA has been calculated and reported, such discretionary payments would be limited to the calculated MDA. Likewise, should BBVA 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 respective &#8220;combined buffer requirement&#8221; for these purposes, taken together with its MREL requirements could result in the imposition of restrictions or prohibitions on discretionary payments (the MREL-MDA). 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:10pt;margin-top:10pt;text-align:justify;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) 2019/876 of the European Parliament and of the Council, of May 20, 2019 (as amended, replaced or supplemented at any time, &#8220;CRR II&#8221;) establishes a binding requirement for the leverage ratio effective from June 28, 2021 of 3% of Tier 1 capital (as of December 31, 2024 the phased-in and the fully loaded leverage ratios of the Group were <ix:nonFraction unitRef="number" contextRef="c-13" decimals="4" name="bbva:LeverageRatio" scale="-2" id="f-74">6.81</ix:nonFraction>%). 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 BBVA&#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:10pt;margin-top:10pt;text-align:justify;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 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%">TRIM</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:10pt;margin-top:10pt;text-align:justify;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 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 BBVA&#8217;s and the Group&#8217;s total RWAs and, therefore, could also result in a decrease of BBVA&#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:10pt;margin-top:10pt;text-align:justify;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, 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:10pt;margin-top:10pt;text-align:justify;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 assurance that the capital or MREL requirements will not adversely affect BBVA&#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 BBVA 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, BBVA&#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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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, have required implementing changes in some of the Group&#8217;s commercial practices, which have exposed the Group to additional expenses (including an increase in compliance expenses) and affected the profitability of its activities and could result in 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="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"><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:10pt;margin-top:10pt;text-align:justify;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 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:10pt;margin-top:10pt;text-align:justify;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, governments in different jurisdictions, including Spain, have sought to identify new funding sources, and they have recently focused on the financial sector, including in response to the demands of various political forces. The Group&#8217;s presence in various jurisdictions increases its exposure to regulatory and interpretative changes, which may include (i) increases in the tax rates to which the Group is subject, such as the introduction in Spain of a minimum effective tax rate (18% of the tax base for credit institutions) since 2022 or EU Council Directive 2022/2523 of December 14, 2022, which introduces a global minimum effective rate of corporate taxation (15%) for multinational enterprise and large-scale domestic groups in the EU and that is pending to be transposed into Spanish regulation, (ii) changes in the calculation of tax bases, and exemptions therefrom, such as the introduction of a limitation in Spain since 2021 to the exemption for dividends and capital gains from domestic and foreign subsidiaries to 95%, which means that 5% of the dividends and capital gains of Group companies will be subject in Spain to, and not exempt from, corporate tax or, (iii) the creation of new taxes and/or levies, like 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;) in various jurisdictions or the creation of temporary taxes applicable to credit institutions operating 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%">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&#8212;Temporary Tax on Credit Institutions in Spain</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 tax on the interest margin and commissions of certain financial entities 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%">Increases in the tax burden of the Group 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:'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:10pt;margin-top:10pt;text-align:justify;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, 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, antitrust, 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 U.S. 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:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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 enhanced due diligence measures due to the very 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:10pt;margin-top:10pt;text-align:justify;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 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 (125,916 as of December 31, 2024) 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%">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;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 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:10pt;margin-top:10pt;text-align:justify;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 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: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%">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:10pt;margin-top:10pt;text-align:justify;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 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 certain countries where the Group operates. 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:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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:10pt;margin-top:10pt;text-align:justify;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 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:10pt;margin-top: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%">OPERATIONAL RISKS</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%">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 harm its reputation</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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. Currently, approximately 66% of new clients choose 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 harm 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%">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%">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 or personal data, 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 (including as a result of the use of artificial intelligence), 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:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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 providers of data processing or cloud computing services 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 or personal data. 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 prolific use of artificial intelligence technologies has increased the risk of unauthorized access to BBVA&#8217;s IT systems and client accounts and of unauthorized disclosure, destruction or use of confidential information or personal data. While there is potential for these technologies to support BBVA&#8217;s detection of and defense against unauthorized access attempts and accidental disclosures, malicious or negligent use of these technologies by employees or other third parties may increase these risks. For example, our employees or other third parties may input confidential information into a generative artificial intelligence system (in particular, a system that is managed, owned or controlled by a third party), thereby compromising our business operations or the integrity of BBVA&#8217;s proprietary information or client data. Any such incident of unauthorized access or disclosure could have a material adverse effect on the Group&#8217;s business, financial condition and results of operations, and could harm 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%">27</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_55"></div><hr style="page-break-after:always"/><div style="min-height: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="i22a2e436ff7c462c96898906283f922e_58"></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;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">sociedad an&#243;nima</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#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 (Two Manhattan West 375 9th Avenue, 8th Floor, New York, New York 10001 (Telephone: +1-212-728-1660)). BBVA is incorporated for an unlimited term.</span></div><div id="i22a2e436ff7c462c96898906283f922e_61"></div><div style="margin-bottom:10pt;margin-top: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 2022 to the date of this Annual Report are described below. BBVA&#8217;s pending offer to exchange 100% of the shares of Banco de Sabadell, S.A. for shares of BBVA, if successful, could result in further significant capital expenditures. 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;Other Relevant Information&#8212; Offer to exchange 100% of the shares of Banco de Sabadell, S.A. for shares of Banco Bilbao Vizcaya Argentaria, S.A.</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%">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%">In 2024, 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%">2023</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 2023, 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%">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 (&#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">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 (the Capital Markets Board of Turkey or &#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">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 resulted in a capital gain of approximately &#8364;924 million (including the impacts after the application of IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#8221;, see Note 2.2.18 to the Consolidated Financial Statements). 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 &#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, 2022 was 85.97% (the same percentage as on December 31, 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: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. In 2024, 2023 and 2022, there were no significant capital divestitures.</span></div><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:150pt"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',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:'Times New Roman',sans-serif;font-size:8pt;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 style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',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:'Times New Roman',sans-serif;font-size:8pt;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%">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;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="i22a2e436ff7c462c96898906283f922e_64"></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="text-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%">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 places sustainability at the core of its strategy. Sustainability is impacting the banking business, affecting not only relations with customers but also internal processes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2024, the number of digital and mobile phone customers and the volume of online transactions continued to increase. </span></div><div id="i22a2e436ff7c462c96898906283f922e_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%">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, 2024, the structure of the operating segments used by the BBVA Group for management purposes remained the same as 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%">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 corporate function; management of structural exchange rate positions carried out by the ALCO, including currency hedging; 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. </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:10pt;margin-top:10pt;text-align:justify;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 publication of our consolidated financial statements as of and for the years ended December 31, 2023, 2022 and 2021 included in our annual report on Form 20-F for the year ended December 31, 2023, certain immaterial balance sheet intra-group adjustments between the Corporate Center and the operating segments were reallocated to the corresponding operating segments. In addition, certain expenses related to global projects and activities were reallocated between the Corporate Center and the corresponding operating segments. In order to make the segment information as of and for the years ended December 31, 2023 and 2022 comparable with the segment information as of and for the year ended December 31, 2024, segment information as of and for the years ended December 31, 2023 and 2022 has been revised in conformity with these intra-group adjustments. These intra-group adjustments had no impact at the consolidated 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%">In addition, with the entry into force of IFRS 17, the balance sheet as of December 31, 2022 and the income statement for the year ended December 31, 2022 of the operating segments of the BBVA Group were restated (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 17 &#8211; Insurance contracts&#8221; herein</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 breakdown of the Group&#8217;s total assets by each of BBVA&#8217;s operating segments and the Corporate Center as of December 31, 2024, 2023 and 2022 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 style="width:35.109%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.163%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.163%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.165%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">417,752</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">457,573</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%">427,049</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">168,470</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%">173,489</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">142,557</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">82,782</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">68,329</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%">66,036</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">73,997</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%">64,779</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%">61,951</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">66,534</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64,274</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%">49,952</span></td></tr><tr><td colspan="3" style="padding: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%">809,536</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:700;line-height:120%">828,445</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%">747,545</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(37,134)</span></td><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%">(52,886)</span></td><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%">(35,453)</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%">772,402</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%">775,558</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%">712,092</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:112%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;padding-left:8.68pt">Includes balance sheet intra-group adjustments between the Corporate Center and the operating segments (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:112%">Presentation of Financial Information&#8212;Changes in Intra-Group Adjustments</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">&#8221; for information on such 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%">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, 2024, 2023 and 2022. Such information is presented under management criteria; however, for the years ended December 31, 2024 and 2023, there are no differences between the sum of the income statements of our operating segments and the Corporate Center (calculated in accordance with management criteria used to report segment financial information) and the consolidated income statement of the Group. For additional information on the profit (loss) attributable to parent company for each of BBVA&#8217;s operating segments and 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%">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="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:99.893%"><tr><td style="width:1.0%"/><td style="width:35.109%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.536%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">Profit / (Loss) Attributable to Parent Company</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:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">% of Profit / (Loss) Attributable to Parent Company (1)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2024</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%">2023</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%">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:9pt;font-weight:700;line-height:120%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">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:400;line-height:120%">2,720</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,667</span></td><td colspan="3" style="padding:2px 1pt;text-align: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><td colspan="3" style="padding:2px 1pt;text-align: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%">23</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">5,447</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%">5,319</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%">4,131</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%">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%">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-weight:400;line-height:120%">57</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">611</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">505</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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: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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">635</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">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%">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:9pt;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-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-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:'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%">500</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">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%">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%">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%">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%">10,978</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-weight:700;line-height:120%">9,564</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:700;line-height:120%">7,280</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-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%">(924)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,544)</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%">(922)</span></td><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:'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%">10,054</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%">8,019</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%">6,358</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span><br/></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) Based on subtotal from operating segments.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><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%">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: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, 2024, 2023 and 2022. Such information is presented under management criteria; however, for the years ended December 31, 2024 and 2023, there are no differences between the sum of the income statements of our operating segments and the Corporate Center (calculated in accordance with management criteria used to report segment financial information) and the consolidated income statement of the Group. For additional information on the income of each of BBVA&#8217;s operating segments and the Corporate Center, 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 style="width:37.420%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.688%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:2px 1pt;text-align: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:left;vertical-align:middle"><span id="i289b0cb95f7c472391f2bd059d570dc2_1-7-1-1-2475949"></span><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%">Total (1)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 2024</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 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%">6,435</span></td><td colspan="3" style="background-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%">11,556</span></td><td colspan="3" style="background-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%">1,492</span></td><td colspan="3" style="background-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%">5,589</span></td><td colspan="3" style="background-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%">(546)</span></td><td colspan="3" style="background-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%">25,267</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%">9,490</span></td><td colspan="3" style="background-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%">15,337</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%">4,212</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%">5,405</span></td><td colspan="3" style="background-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%">1,458</span></td><td colspan="3" style="background-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%">(421)</span></td><td colspan="3" style="background-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%">35,481</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="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%">5,309</span></td><td colspan="3" style="background-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%">7,522</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%">1,741</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%">1,342</span></td><td colspan="3" style="background-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%">634</span></td><td colspan="3" style="background-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%">(1,142)</span></td><td colspan="3" style="background-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%">15,405</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%">3,784</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%">5,447</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%">611</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%">635</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%">500</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%">(924)</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%">10,054</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 2023</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></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%">5,620</span></td><td colspan="3" style="background-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%">11,054</span></td><td colspan="3" style="background-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%">1,869</span></td><td colspan="3" style="background-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%">4,394</span></td><td colspan="3" style="background-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%">539</span></td><td colspan="3" style="background-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%">(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:9pt;font-weight:400;line-height:120%">23,089</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%">7,888</span></td><td colspan="3" style="background-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%">14,267</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:9pt;font-weight:400;line-height:120%">2,981</span></td><td colspan="3" style="background-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%">4,331</span></td><td colspan="3" style="background-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%">1,103</span></td><td colspan="3" style="background-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%">(1,029)</span></td><td colspan="3" style="background-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%">29,542</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="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%">3,897</span></td><td colspan="3" style="background-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%">7,329</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%">1,324</span></td><td colspan="3" style="background-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%">1,189</span></td><td colspan="3" style="background-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%">489</span></td><td colspan="3" style="background-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%">(1,809)</span></td><td colspan="3" style="background-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%">12,419</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%">2,720</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%">5,319</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%">527</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%">601</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%">396</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%">(1,544)</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%">8,019</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 2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></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%">3,774</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: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%">2,611</span></td><td colspan="3" style="background-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%">4,138</span></td><td colspan="3" style="background-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%">19,124</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%">6,112</span></td><td colspan="3" style="background-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%">10,734</span></td><td colspan="3" style="background-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%">3,172</span></td><td colspan="3" style="background-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%">4,265</span></td><td colspan="3" style="background-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%">24,743</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="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%">2,610</span></td><td colspan="3" style="background-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%">5,620</span></td><td colspan="3" style="background-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%">1,636</span></td><td colspan="3" style="background-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%">1,434</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%">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%">10,402</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%">1,667</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%">4,131</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%">505</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%">738</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%">240</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%">(922)</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%">6,358</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">For information on the reconciliation of the sum of the income statements of our operating segments and the Corporate Center (calculated in accordance with management criteria used to report segment financial information) and the consolidated income statement of the Group for the year ended December 31, 2022, 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 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:8pt;font-weight:400;line-height:120%">&#8221;.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><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%">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%">The following tables set forth summarized information relating to the balance sheet of the operating segments and the Corporate Center and adjustments as of December 31, 2024, 2023</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:10pt;font-weight:400;line-height:120%">and 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 style="width:29.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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, 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align: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 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%">417,752</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">168,470</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:700;line-height:120%">82,782</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">73,997</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:700;line-height:120%">66,534</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">809,536</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:700;line-height:120%">(37,134)</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-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%">12,734</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%">12,564</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%">8,828</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%">8,906</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,348</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%">51,379</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%">(234)</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%">115,735</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">54,547</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,503</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,884</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%">1,627</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-weight:400;line-height:120%">187,296</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-weight:400;line-height:120%">(7,964)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">237,279</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%">94,595</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:9pt;font-weight:400;line-height:120%">64,893</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%">49,983</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%">56,013</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%">502,763</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></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%">179,667</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">88,725</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%">48,299</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%">46,846</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">50,392</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%">413,930</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,453)</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="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 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 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%">67,975</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16,280</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-weight:400;line-height:120%">1,636</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,011</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">679</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">94,580</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">15,911</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13,087</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%">6,286</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-weight:400;line-height:120%">9,582</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%">700</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">45,566</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">5,642</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-weight:400;line-height:120%">2,578</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,306</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%">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%">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-weight:400;line-height:120%">11,544</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">2,798</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%">9,514</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,185</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%">3,557</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">26,070</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">71,877</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%">40,745</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%">27,605</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%">23,041</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%">48,155</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">211,423</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">12,516</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%">6,840</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%">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-weight:400;line-height:120%">1,645</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%">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%">21,879</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="padding: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%">402,432</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:700;line-height:120%">156,743</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:700;line-height:120%">74,537</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:9pt;font-weight:700;line-height:120%">66,907</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:700;line-height:120%">61,501</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">762,120</span></td><td colspan="3" style="background-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%">(49,732)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">75,279</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%">30,885</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,943</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-weight:400;line-height:120%">2,060</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%">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-weight:400;line-height:120%">110,809</span></td><td colspan="3" style="background-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%">(9,267)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">228,471</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%">84,949</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%">58,095</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-weight:400;line-height:120%">50,738</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:9pt;font-weight:400;line-height:120%">27,432</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%">449,685</span></td><td colspan="3" style="background-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%">(2,039)</span></td></tr><tr><td colspan="3" style="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 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="background-color:#ffffff;padding:0 1pt"/></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%">192,770</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">70,091</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26,482</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31,172</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%">11,295</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%">331,811</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">28,137</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%">13,871</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30,961</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,566</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16,137</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%">108,671</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="padding: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%">15,320</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11,727</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8,245</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%">7,090</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:700;line-height:120%">5,033</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:700;line-height:120%">47,416</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">12,598</span></td></tr><tr><td colspan="3" style="padding: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%">108,695</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:700;line-height:120%">57,253</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:700;line-height:120%">18,076</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">7,936</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%">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:700;line-height:120%">192,605</span></td><td colspan="3" style="padding:0 1pt"/></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%">82,854</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%">52,528</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%">12,949</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%">7,936</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:400;line-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%">156,265</span></td><td colspan="3" style="padding:0 1pt"/></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%">25,841</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%">&#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%">5,128</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%">&#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%">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%">31,614</span></td><td colspan="3" style="padding:0 1pt"/></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%">4,726</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">4,726</span></td><td colspan="3" style="padding:0 1pt"/></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 (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&#8212;Changes in Intra-Group Adjustments</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8221; for information on such adjustments).</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%">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"><table 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:29.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align: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 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%">457,573</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:700;line-height:120%">173,489</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">68,329</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:700;line-height:120%">64,779</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:700;line-height:120%">64,274</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:700;line-height:120%">828,445</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%">(52,886)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">44,653</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,089</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,700</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6,585</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:400;line-height:120%">4,748</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%">75,776</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:120%">(359)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">146,136</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%">60,379</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%">3,692</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10,508</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15,475</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%">236,189</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(23,250)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">216,334</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">96,342</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:400;line-height:120%">51,543</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">44,508</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">43,363</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">452,089</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></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%">173,169</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%">88,112</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%">37,416</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">41,213</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%">39,322</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">379,231</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,588)</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="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 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 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%">67,028</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-weight:400;line-height:120%">17,119</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:120%">1,041</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%">7,409</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-weight:400;line-height:120%">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-weight:400;line-height:120%">93,363</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">14,949</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%">12,862</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,908</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-weight:400;line-height:120%">9,335</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%">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%">42,699</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">5,593</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%">2,613</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,200</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">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%">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%">10,460</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">2,575</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,695</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%">6,734</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%">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: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%">21,611</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">66,851</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38,689</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,967</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:9pt;font-weight:400;line-height:120%">19,015</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%">37,035</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">184,556</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">12,716</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7,712</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%">489</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,826</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">23,264</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="padding: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%">442,681</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:700;line-height:120%">162,271</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:700;line-height:120%">61,892</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:700;line-height:120%">58,485</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">60,083</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">785,412</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(65,119)</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: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%">111,701</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%">28,492</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:400;line-height:120%">1,878</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,289</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%">14,831</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:400;line-height:120%">160,192</span></td><td colspan="3" style="background-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%">(25,177)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">217,235</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">92,564</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%">50,651</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%">42,567</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-weight:400;line-height:120%">13,056</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%">416,073</span></td><td colspan="3" style="background-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%">(2,587)</span></td></tr><tr><td colspan="3" style="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 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="background-color:#ffffff;padding:0 1pt"/></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%">187,937</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">76,156</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%">23,100</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:400;line-height:120%">26,080</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%">5,170</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%">318,443</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">28,067</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%">14,770</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26,221</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%">16,488</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-weight:400;line-height:120%">7,885</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">93,431</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="padding: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%">14,892</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:700;line-height:120%">11,218</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:700;line-height:120%">6,438</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:700;line-height:120%">6,294</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:700;line-height:120%">4,191</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-weight:700;line-height:120%">43,033</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:700;line-height:120%">12,233</span></td></tr><tr><td colspan="3" style="padding: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%">97,253</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:700;line-height:120%">53,254</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:700;line-height:120%">7,768</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,525</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-weight:700;line-height:120%">566</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">164,366</span></td><td colspan="3" style="padding:0 1pt"/></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%">72,875</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:120%">49,062</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,386</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%">5,525</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-weight:400;line-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%">131,848</span></td><td colspan="3" style="padding:0 1pt"/></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%">24,378</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%">&#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%">3,382</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: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%">566</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">28,326</span></td><td colspan="3" style="padding:0 1pt"/></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%">4,192</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-weight:400;line-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%">4,192</span></td><td colspan="3" style="padding:0 1pt"/></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 (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&#8212;Changes in Intra-Group Adjustments</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8221; for information on such adjustments).</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%">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: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 style="width:29.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:2px 1pt;text-align: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 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%">427,049</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">142,557</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">66,036</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">61,951</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">747,545</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(35,453)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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="padding:2px 1pt;text-align: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%">46,575</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">10,739</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-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%">194,020</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%">(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%">204,528</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%">77,191</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-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%">40,448</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: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%">414,215</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%">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%">173,971</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">71,231</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">38,437</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">358,456</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-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="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">14,078</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%">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%">91,574</span></td><td colspan="3" style="padding:0 1pt"/></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%">9,951</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">38,214</span></td><td colspan="3" style="padding:0 1pt"/></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%">5,647</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,936</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: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%">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: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%">9,674</span></td><td colspan="3" style="padding:0 1pt"/></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%">17,384</span></td><td colspan="3" style="padding:0 1pt"/></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%">32,435</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%">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%">18,762</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%">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%">178,378</span></td><td colspan="3" style="padding:0 1pt"/></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="padding:0 1pt"/></tr><tr><td colspan="3" style="padding: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%">413,909</span></td><td colspan="3" style="background-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%">132,726</span></td><td colspan="3" style="background-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%">59,326</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:700;line-height:120%">56,077</span></td><td colspan="3" style="background-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%">45,604</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">707,642</span></td><td colspan="3" style="background-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%">(46,067)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">84,619</span></td><td colspan="3" style="background-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%">25,840</span></td><td colspan="3" style="background-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%">2,138</span></td><td colspan="3" style="background-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%">2,813</span></td><td colspan="3" style="background-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%">4,397</span></td><td colspan="3" style="background-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%">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="background-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%">221,019</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%">77,750</span></td><td colspan="3" style="background-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%">46,339</span></td><td colspan="3" style="background-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%">40,042</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%">9,827</span></td><td colspan="3" style="background-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%">394,978</span></td><td colspan="3" style="background-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="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">198,131</span></td><td colspan="3" style="background-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%">64,613</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%">24,794</span></td><td colspan="3" style="background-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%">26,103</span></td><td colspan="3" style="background-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%">3,561</span></td><td colspan="3" style="background-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%">317,203</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">22,008</span></td><td colspan="3" style="background-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%">12,504</span></td><td colspan="3" style="background-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%">20,798</span></td><td colspan="3" style="background-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%">13,939</span></td><td colspan="3" style="background-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%">6,266</span></td><td colspan="3" style="background-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%">75,515</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="padding: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%">13,140</span></td><td colspan="3" style="background-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%">9,831</span></td><td colspan="3" style="background-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%">6,711</span></td><td colspan="3" style="background-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%">5,874</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:700;line-height:120%">4,348</span></td><td colspan="3" style="background-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%">39,903</span></td><td colspan="3" style="background-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%">10,613</span></td></tr><tr><td colspan="3" style="padding: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%">86,759</span></td><td colspan="3" style="background-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%">38,196</span></td><td colspan="3" style="background-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%">6,936</span></td><td colspan="3" style="background-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%">17,760</span></td><td colspan="3" style="background-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%">520</span></td><td colspan="3" style="background-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%">150,170</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">63,786</span></td><td colspan="3" style="background-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%">35,614</span></td><td colspan="3" style="background-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%">3,731</span></td><td colspan="3" style="background-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%">5,804</span></td><td colspan="3" style="background-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%">108,935</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">22,973</span></td><td colspan="3" style="background-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%">3,205</span></td><td colspan="3" style="background-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%">11,956</span></td><td colspan="3" style="background-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%">520</span></td><td colspan="3" style="background-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%">38,653</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">2,582</span></td><td colspan="3" style="background-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%">2,582</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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 (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&#8212;Changes in Intra-Group Adjustments</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8221; for information on such adjustments).</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%">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 id="iee56e51b3dc54220917db35795dd8fa0_33785"></span><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 Compa&#241;&#237;a de Seguros y Reaseguros, S.A., 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. During 2020, BBVA Seguros transferred to Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. (&#8220;Allianz&#8221;), 50% of the share capital plus one share in BBVA Seguros Generales. Further to the purchase price paid by Allianz at such time, Allianz will need to pay to BBVA up to an additional &#8364;100 million if certain business goals and milestones are met. As of December 31, 2024, BBVA has recorded a portion of the amount corresponding to the earn-out for the last five years. As of December 31, 2023, BBVA received the total amount corresponding to the earn-out for the three years 2020 to 2023, which was not material for the consolidated financial statements 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-weight:400;line-height:120%">Cash, cash balances at central banks and other demand deposits as of December 31, 2024 amounted to &#8364;12,734 million, a 71.5% decrease compared with the &#8364;44,653 million recorded as of December 31, 2023, mainly due to the decrease in cash held at the European Central Bank as a result of decreases in funding through repurchase agreements with the aim of reducing funding costs, and the use of cash to make additional purchases of Spanish sovereign debt and other debt issuances.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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;115,735 million as of December 31, 2024, a 20.8% decrease from the &#8364;146,136 million recorded as of December 31, 2023, mainly as a result of the decrease in loans to credit institutions (through reverse repurchase agreements) recorded under &#8220;Financial liabilities held for trading&#8221; due to the offsetting of certain financial assets and liabilities, for presentation purposes, in application of IAS 32 in 2024 (see Note 7.4.2 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%">Financial assets at amortized cost of this operating segment as of December 31, 2024 amounted to &#8364;237,279 million, a 9.7% increase compared with the &#8364;216,334 million recorded as of December 31, 2023. Within this heading, loans and advances to customers amounted to &#8364;179,667 million as of December 31, 2024, a 3.8% increase compared with the &#8364;173,169 million recorded as of December 31, 2023, mainly due to the increases in the wholesale portfolio, in particular, loans to enterprises. In addition, within this heading, debt securities of this operating segment as of December 31, 2024 amounted to &#8364;42,791 million, a 33.0% increase compared with the &#8364;32,164 million recorded as of December 31, 2023, mainly as a result of an increase in Spanish sovereign debt recorded as &#8220;Financial assets at amortized cost&#8221;, within 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, 2024 amounted to &#8364;75,279 million, a 32.6% decrease compared with the &#8364;111,701 million recorded as of December 31, 2023, mainly due to the decrease in deposits from credit institutions (through repurchase agreements) recorded under &#8220;Financial liabilities held for trading&#8221; due to the offsetting of certain financial assets and liabilities, for presentation purposes, in application of IAS 32 in 2024 (see Note 7.4.2 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%">Customer deposits at amortized cost of this operating segment as of December 31, 2024 amounted to &#8364;228,471 million, a 5.2% increase compared with the &#8364;217,235 million recorded as of December 31, 2023, mainly due to the increase in demand and savings deposits, as customers shifted towards savings within a high interest rate scenario (in particular, during the first half of 2024), and increases in deposits of the Spanish government and other government agencies (through repurchase agreements), partially offset by a shift of certain customer deposits from Spain towards deposits in our New York branch (which are recorded in the Rest of Business operating segment).</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%">Off-balance sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; (including customers&#8217; portfolios) and &#8220;Pension funds&#8221;) as of December 31, 2024 amounted to &#8364;108,695 million, an 11.8% increase compared with the &#8364;97,253 million recorded as of December 31, 2023, mainly due to the increase in mutual funds as a result of the positive stock market performance.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:18pt"><span id="iee56e51b3dc54220917db35795dd8fa0_33702"></span><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 3.7% as of December 31, 2024 from 4.1% as of December 31, 2023. This ratio was positively affected by the sale of portfolios of non-performing mortgage loans and certain unsecured retail portfolios and lower net entries in non-performing loans in the mortgage and wholesale portfolios. 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) increased to 59% as of December 31, 2024 from 55% as of December 31, 2023, mainly due to the decrease in non-performing 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: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 depreciated 13.1% against the euro as of December 31, 2024 compared with December 31, 2023, negatively affecting the business activity of the Mexico operating segment as of December 31, 2024 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, 2024 amounted to &#8364;12,564 million, a 24.5% increase compared with the &#8364;10,089 million recorded as of December 31, 2023, mainly due to increases in cash balances held in U.S. dollars at the Federal Reserve (&#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;), through repurchase agreements and foreign exchange swaps, and, to a lesser extent, debt issuances completed during 2024, which increased liquidity levels, partially offset by the credit gap widening (as deposits decreased while loans increased slightly) and the depreciation 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 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, 2024 amounted to &#8364;54,547 million, a 9.7% decrease from the &#8364;60,379 million recorded as of December 31, 2023, mainly due to the depreciation 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 assets at amortized cost of this operating segment as of December 31, 2024 amounted to &#8364;94,595 million, a 1.8% decrease compared with the &#8364;96,342 million recorded as of December 31, 2023. Within this heading, loans and advances to customers of this operating segment as of December 31, 2024 amounted to &#8364;88,725 million, a 0.7% increase compared with the &#8364;88,112 million recorded as of December 31, 2023, mainly attributable to the increase in wholesale loans (in particular, corporate banking, which are mostly referenced to variable interest rates), partially offset by the depreciation 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, 2024 amounted to &#8364;30,885 million, an 8.4% increase compared with the &#8364;28,492 million recorded as of December 31, 2023, mainly as a result of the increase in deposits from central banks (through repurchase agreements) recorded under &#8220;Financial liabilities held for trading&#8221;, partially offset by the depreciation 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, 2024 amounted to &#8364;84,949 million, an 8.2% decrease compared with the &#8364;92,564 million recorded as of December 31, 2023, mainly as a result of the depreciation of the Mexican peso against the euro and increased competition from other banks for remunerated deposits and, more generally, from neobanks, partially offset by increases in time and demand and savings deposits in local currency.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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; (including customers&#8217; portfolios) and &#8220;Other placements&#8221;) as of December 31, 2024 amounted to &#8364;57,253 million, a 7.5% increase compared with the &#8364;53,254 million as of December 31, 2023, mainly as a result of the continuing search by customers for higher profitability investments, which continued to boost mutual funds, partially offset by the depreciation 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%">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="text-align:justify;text-indent:14.17pt"><span id="iee56e51b3dc54220917db35795dd8fa0_33724"></span><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) increased to 2.7% as of December 31, 2024 from 2.6% as of December 31, 2023 mainly due to the increase in the balance of certain non-performing retail loan portfolios, partially offset by higher write-offs. This operating segment&#8217;s non-performing loan coverage ratio (as defined herein) decreased to 121% as of December 31, 2024 from 123% as of 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: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 &#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;.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 11.1% against the euro as of December 31, 2024 compared to December 31, 2023, adversely affecting the business activity of the Turkey operating segment as of December 31, 2024 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 has been considered to be hyperinflationary as defined by IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#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;Hyperinflationary Economies</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%">BBVA&#8217;s operations in Turkey are subject to substantial regulation by Turkish national authorities. 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%">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; for information on certain regulation that is relevant to our 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%">Cash, cash balances at central banks and other demand deposits as of December 31, 2024 amounted to &#8364;8,828 million, a 9.0% decrease compared with the &#8364;9,700 million recorded as of December 31, 2023, mainly due to the decrease in other demand deposits as a result of additional purchases of Turkish sovereign debt, and the depreciation of the Turkish lira against the euro, partially offset by the increase in Turkish lira-denominated deposits with 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;) as result of the increase in the required reserve ratio established by the CBRT in order to reduce excess liquidity of the Turkish lira in the market (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></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024 amounted to &#8364;4,503 million, a 22.0% increase from the &#8364;3,692 million recorded as of December 31, 2023, mainly due to increases in local currency-denominated debt securities (mainly government bonds, mainly driven by the bond holding requirements established 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;text-align:justify;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, 2024 amounted to &#8364;64,893 million a 25.9% increase compared with the &#8364;51,543 million recorded as of December 31, 2023. Within this heading, loans and advances to customers of this operating segment as of December 31, 2024 amounted to &#8364;48,299 million, a 29.1% increase compared with the &#8364;37,416 million recorded as of December 31, 2023, mainly due to the increase in Turkish lira-denominated credit card loans and consumer loans, due, in part, to the measures adopted by the Turkish authorities to encourage Turkish lira-denominated loans (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;), partially offset by the depreciation of the Turkish lira against the euro. In addition, within this heading, debt securities of this operating segment amounted to &#8364;7,417 million, a 10.6% increase from the &#8364;6,706 million recorded as of December 31, 2023, as a result of the increase in local currency-denominated government bonds. Further, loans and advances to central banks increased in the year ended December 31, 2024, as a result of the regulation and monetary policy adopted by the CBRT on foreign currency deposit accounts (where the relevant reserve requirement was set at 4% as of December 6, 2024, 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;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-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, 2024 amounted to &#8364;1,943 million, a 3.5% increase compared with the &#8364;1,878 million recorded as of December 31, 2023, mainly due to the increase in debt securities, 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%">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="text-align:justify;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, 2024 amounted to &#8364;58,095 million, a 14.7% increase compared with the &#8364;50,651 million recorded as of December 31, 2023, mainly due to the increase in time deposits in Turkish lira (transferred, in part, from time deposits in U.S. dollars) and demand deposits in Turkish lira (as a result in part of the measures adopted by the Turkish authorities to encourage and protect deposits denominated in Turkish lira and prevent further dollarization of deposits, which included increased reserve requirements and the requirement that banks buy local currency-denominated government bonds if less than a certain percentage of their deposits are denominated in Turkish lira (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;)), 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%">Off-balance sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; and &#8220;Pension funds&#8221;) as of December 31, 2024 amounted to &#8364;18,076 million, compared with the &#8364;7,768 million as of December 31, 2023, 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 id="iee56e51b3dc54220917db35795dd8fa0_33703"></span><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 3.1% as of December 31, 2024 from 3.8% as of December 31, 2023, mainly as a result of growth in lending activity (as new lending increases the denominator used to calculate this ratio, whereas new lending is typically performing during the period and therefore does not affect the numerator), the sale of retail non-performing loan portfolios and the decrease in the balance of non-performing wholesale loans, offset, in part, by the higher non-performing loan net entries in the retail loan portfolios. This operating segment&#8217;s non-performing loan coverage ratio (as defined herein) decreased to 96% as of December 31, 2024 from 97% as of 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: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, Venezuela and Brazil. 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, Venezuela and Brazil.</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%">As of December 31, 2024, the Argentine peso and the Colombian peso depreciated against the euro by 16.8% and 7.8%, respectively, compared to December 31, 2023. On the other hand, the Peruvian sol appreciated against the euro by 5.2% compared to December 31, 2023. Overall, changes in exchange rates resulted in a negative exchange rate effect on the business activity of the South America operating segment as of December 31, 2024 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, 2024, 2023 and 2022, the Argentine and Venezuelan economies were considered to be hyperinflationary as defined by IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#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;Hyperinflationary Economies</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, 2024 amounted to &#8364;8,906 million, a 35.2% increase compared with the &#8364;6,585 million recorded as of December 31, 2023, mainly due to increases in funding from deposits in Peru, Colombia and Argentina, partially offset by the depreciation of the Argentine peso and the Colombian 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 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, 2024 amounted to &#8364;10,884 million, a 3.6% increase compared with the &#8364;10,508 million recorded as of December 31, 2023, mainly due to the increase of debt securities in Argentina, partially offset by the decrease in the value of derivatives recorded under the &#8220;Financial assets held for trading&#8221; portfolio in Colombia and the depreciation of the Argentine peso and the Colombian 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 assets at amortized cost of this operating segment as of December 31, 2024 amounted to &#8364;49,983 million, an 12.3% increase compared with the &#8364;44,508 million recorded as of December 31, 2023. Within this heading, loans and advances to customers of this operating segment as of December 31, 2024 amounted to &#8364;46,846 million, a 13.7% increase compared with the &#8364;41,213 million recorded as of December 31, 2023, mainly as a result of the increase in commercial loans and, to a lesser extent, credit card loans in Argentina, partially offset by the depreciation of the Colombian peso and the Argentine 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%">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><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024 amounted to &#8364;2,060 million, a 37.4% decrease compared with the &#8364;3,289 million recorded as of December 31, 2023, mainly due to the decrease in the value of derivatives recorded under the &#8220;Financial liabilities held for trading&#8221; portfolio in Colombia, to a lesser extent, the depreciation of the Colombian peso against the euro and, to a much lesser extent, the depreciation of 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%">Customer deposits at amortized cost of this operating segment as of December 31, 2024 amounted to &#8364;50,738 million, a 19.2% increase compared with the &#8364;42,567 million recorded as of December 31, 2023, mainly as a result of the increase in time deposits in Argentina and Colombia within a high interest rate environment (although central banks in South America have started to reduce interest reference rates) and the increase in demand deposits in U.S. dollars in Argentina during the fourth quarter of 2024, driven by the implementation of strong fiscal and monetary adjustments to reduce inflation by the Argentine government, partially offset by the decrease in deposits in the retail and wholesale portfolios in Peru and the depreciation of the Colombian peso and the Argentine peso. </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;, including customers&#8217; portfolios, in Argentina, Colombia and Peru) as of December 31, 2024 amounted to &#8364;7,936 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%">43.6% increase compared with the &#8364;5,525 million as of December 31, 2023, mainly due to our strategy to boost private banking activities in the region, 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 id="iee56e51b3dc54220917db35795dd8fa0_33716"></span><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, 2024 decreased to 4.5% from 4.8% as of December 31, 2023, mainly as a result of increased loan activity and higher write-offs in Peru and Colombia. This operating segment&#8217;s non-performing loan coverage ratio (as defined herein) stood at 88% as of December 31, 2024 and 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: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 6.4% against the euro as of December 31, 2024 compared to December 31, 2023, slightly positively affecting the business activity of the Rest of Business operating segment as of December 31, 2024 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, 2024 amounted to &#8364;8,348 million, a 75.8% increase compared with the &#8364;4,748 million recorded as of December 31, 2023, mainly due to the increase in cash balances held at central banks within this operating segment, since customer deposits have grown at a higher pace than financial assets and excess liquidity is held at 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%">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, 2024 amounted to &#8364;1,627 million, an 89.5% decrease compared with the &#8364;15,475 million recorded as of December 31, 2023, mainly due to the decrease in loans and advances (through reverse repurchase agreements) recorded under &#8220;Financial assets held for trading&#8221; in BBVA Securities Inc., our broker-dealer in the United States, as a result of decreased activity in the Global Markets unit, mainly as a result of the decrease in rates on the Reverse Repo Facility (&#8220;RRP&#8221;) established by the Fed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024 amounted to &#8364;56,013 million, a 29.2% increase compared with the &#8364;43,363 million recorded as of December 31, 2023. Within this heading, loans and advances to customers of this operating segment as of December 31, 2024 amounted to &#8364;50,392 million, a 28.2% increase compared with the &#8364;39,322 million recorded as of December 31, 2023, due to increased activity in the branches located in New York and Europe, in particular, in project finance and corporate 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%">Financial liabilities held for trading and designated at fair value through profit or loss of this operating segment as of December 31, 2024 amounted to &#8364;642 million, a 95.7% decrease compared with the &#8364;14,831 million recorded as of December 31, 2023, mainly due to the decrease in deposits (through repurchase agreements) recorded under &#8220;Financial liabilities held for trading&#8221; in the broker-dealer BBVA Securities Inc., as a result of decreased activity in the Global Markets unit, mainly as a result of the decrease in rates on the RRP established by the Fed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024 amounted to &#8364;27,432 million, compared with the &#8364;13,056 million recorded as of December 31, 2023, mainly as a result of the growth in time deposits in the branches located in Europe and in the New York branch, due to increased activity and the shift from certain customer deposits in 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%">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%">Off-balance sheet funds of this operating segment as of December 31, 2024 amounted to &#8364;645 million, a 13.9% increase compared with the &#8364;566 million recorded as of December 31, 2023, due to increases in the balance of pension funds.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="iee56e51b3dc54220917db35795dd8fa0_33650"></span><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, 2024 decreased to 0.3% from 0.7% as of December 31, 2023, and was positively affected by the growth in lending activity and the decrease in non-performing loans due to repayments and recoveries. This operating segment&#8217;s non-performing loan coverage ratio (as defined herein) increased to 102% as of December 31, 2024 from 69% as of December 31, 2023 mainly as a result of the decrease in non-performing loans and the increase in the coverage of Stage 3 loans.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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%">40</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_70"></div><hr style="page-break-after:always"/><div style="min-height: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%">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, Latin America (mostly in Mexico) and Turkey. The insurance entities located in Spain and Mexico together accounted for approximately 95% of total liabilities under insurance and reinsurance contracts as of December 31, 2024. The main products offered by the insurance subsidiaries are life insurance to cover the risk of death and life-savings insurance. Within life 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%">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 the Consolidated Financial Statements for additional information on our insurance activity, including its risk management.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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%">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 20 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 20 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="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">defining and implementing the single monetary policy of the EMU;</span></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">conducting foreign exchange operations in accordance with the set exchange policy;</span></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">lending to national monetary financial institutions in collateralized operations;</span></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">holding and managing the official foreign reserves of the member states; 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">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="i22a2e436ff7c462c96898906283f922e_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-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 (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#8220;SSM&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">). 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 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="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%">In 2024, the EU approved the transposition into domestic law of a final set of rules forming part of the Basel III framework Regulation (EU) 2024/1623, which constitutes a reform of the prudential regulatory framework (Capital Requirements Regulation and Directive). These new rules came into force on January 1, 2025, and their main objective is to make capital ratios more comparable among banks by imposing restrictions on banks that use their own internal models to calculate capital 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%">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, JST members rotate periodically. 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 Single Resolution Board (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SRB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) 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 Spanish Executive Resolution Authority (&#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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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%">Bank resolution regulation was adopted following the 2008 financial crisis to minimize the extent to which taxpayer funds would be used to rescue failing financial institutions. The idea that underlies bank resolution regulation is that a &#8220;bail-in&#8221; is preferable to a &#8220;bail-out&#8221;. A &#8220;bail-out&#8221; occurs when a government rescues a bank by providing capital and/or liquidity support. In the past, such as during the 2008 financial crisis, &#8220;bail-outs&#8221; helped save banks from failing, with taxpayers assuming the burden. 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 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%">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 21 participating countries within the EBU. The SRF has been built up over a period of eight years (2016-2023). 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. In April 2024, the European Parliament published a draft report to unlock the EDIS file, focusing only on liquidity support (the first stage of EDIS) and excluding banks subject to an institutional protection scheme and branches of foreign banks (the &#8220;EDIS Proposal&#8221;). The EDIS Proposal contemplates an eventual progress towards a fully mutualized EDIS, but a European Commission proposal would be needed for that. In May 2024, the Committee of Economic and Monetary Affairs (ECON) approved the EDIS Proposal; however, the plenary scheduled vote was postponed. </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%">At the national level, BBVA is 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%">Banks in the EBU face increasingly intense supervisory scrutiny, in particular with respect to asset quality and capital and liquidity levels. 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;) 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 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%">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 or cyber resilience.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, the EBA conducted an EU-wide stress test in cooperation with the ECB and 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;). The aim of the EU-wide stress test is to assess EU banks&#8217; resilience to a common set of adverse economic developments in order to identify potential risks, inform supervisory decisions and increase market discipline. The sample for the 2023 EU-wide stress test was enlarged compared to previous exercises. The EU-wide stress test was 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 covered an additional 20 banks. The banks participating in the 2023 exercise included 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 2024, the ECB carried out for the first time a cyber resilience stress test (CRST). The purpose of this exercise was to evaluate the resilience of major European financial institutions against advanced cyber threats. This targeted assessment examined banks&#8217; capabilities in detecting, managing and recovering from simulated cyber incidents, focusing on response times, communication and recovery strategies. Insights from the test will inform future ECB guidelines, with the aim of reinforcing cybersecurity across 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%">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 ESRB, 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 since 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 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><div id="i22a2e436ff7c462c96898906283f922e_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%">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 (EU) No. 2021/378 of the ECB of January 2021 on the application of minimum reserves requirements (ECB/2021/1). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 id="i22a2e436ff7c462c96898906283f922e_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 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%">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, 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, a number of fundamental reforms to the regulatory capital framework for internationally active banks proposed by the Basel Committee. 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 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, Bank of Spain Circular 2/2016, of February 2 (&#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;), Bank of Spain Circular 3/2022, of March 30 (&#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 3/2022</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and the Bank of Spain Circular 3/2023, of October 31 (&#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 3/2023</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, among other things, 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="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%">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 Global Systemically Important Banks (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">G-SIB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) buffer, (iii) the institution-specific countercyclical capital buffer, (iv) the Domestic Systemically Important Banks (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">D-SIB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) buffer and (v) the systemic risk buffer (a buffer to prevent systemic or macroprudential risks). The &#8220;combined capital buffer requirement&#8221; (broadly, the combination of the capital conservation buffer, the institution-specific countercyclical buffer, the systemic risk buffer and the higher of (depending on the institution) the G-SIB buffer and the D-SIB buffer, in each case as applicable to the institution) 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 Financial Stability Board (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FSB</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). 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 is not 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 1% on a consolidated basis in 2025. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 countercyclical capital buffer applicable to the Group&#8217;s credit exposures in Spain is reviewed quarterly by the Bank of Spain. The countercyclical capital buffer applicable to the Group stands at 0.11% as from September 30, 2024. On October 1, 2024, the Bank of Spain announced its intention to increase the counter-cyclical capital buffer applicable to credit exposures in Spain to 1% in two stages: (i) from the fourth quarter of 2024, it is set at 0.5% (to be applicable from October 1, 2025); and (ii) from the fourth quarter of 2025, provided that cyclical systemic risk remains at a standard level, it is expected to be raised by another 0.5% to 1% (to be applicable from October 1, 2026). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2013, 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="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="text-align:justify;text-indent:18pt"><span id="iccb10ec1998248eeb0fe70a5ed6a83ba_36315"></span><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, BBVA must maintain, at a consolidated level, as from January 1, 2025, a CET1 capital ratio of 9.13% and a total capital ratio of 13.29%. The consolidated total capital requirement includes: (i) the &#8220;Pillar 1&#8221; capital requirement (8.00%), of which a minimum of 4.50% must be met with CET1 capital, 1.50% could be met with AT1 instruments and 2.00% could be met with Tier 2 instruments; (ii) the &#8220;Pillar 2&#8221; capital requirement (1.68%), of which a minimum of 1.02% must be met with CET1 capital (of which 0.18% is determined on the basis of the ECB&#8217;s prudential provisioning expectation), 0.28% could be met with AT1 instruments and 0.38% could be met with Tier 2 instruments; (iii) the capital conservation buffer (2.50% that must be met exclusively with CET1 capital); (iv) the D-SIB capital buffer (1.00% that must be met exclusively with CET1 capital); and (v) the capital buffer for Countercyclical Risk (0.11% that must be met exclusively with CET1 capital).</span></div><div id="i22a2e436ff7c462c96898906283f922e_2748779072276"></div><div style="text-align:justify;text-indent:18pt"><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:130%">In addition, as from January 1, 2025, BBVA must maintain, at an individual level, a CET1 ratio of 7.98% and a total capital ratio of 12.14%. These ratios include a &#8220;Pillar 2&#8221; capital requirement at the individual level of 1.50%, of which at least 0.84% shall be met with CET1.</span></div><div id="i22a2e436ff7c462c96898906283f922e_2706"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, may 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;). 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 also 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 Basel Committee announced the end of the Basel III reforms (informally referred to as Basel IV). These reforms mainly 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. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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 &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Entity&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) 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="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-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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 AT1 instruments; (iii) the principal amount of Tier 2 instruments; (iv) the principal amount of other subordinated claims other than AT1 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="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, 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Finally, on April 18, 2023, the European Commission published a proposal for the further amendment of the BRRD, including, among other things, the amendment of the ranking of claims in insolvency to provide for a general depositor preference, pursuant to which the insolvency laws of Members States would be required by the BRRD to extend the legal preference of claims in respect of deposits relative to ordinary unsecured claims to all deposits, as well as a proposal amending the SRM Regulation as regards early intervention measures, conditions for resolution and funding of resolution actions and the Deposit Guarantee Schemes Directive (Directive 2014/49/EU of the European Parliament and of the European Council of April 16, 2014 on deposit guarantee schemes) as regards the scope of deposit protection, use of deposit guarantee schemes funds, cross-border co-operation, and transparency.</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:130%">The implementation of the BRRD proposal is subject to further legislative procedures but if it is implemented in its current form, this would mean that senior 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:130%">cr&#233;ditos ordinarios preferentes</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:130%">) of the Bank would rank junior to the claims of all depositors, including deposits of large corporates and other deposits that are currently excluded from the above privileged claims. </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:130%">Any such general depositor preference would also affect any application of the Bail-In Tool, as such application is to be carried out in the order of the hierarchy of claims in normal insolvency proceedings. Accordingly, this would mean that following any such amendment of the insolvency laws of Spain to establish a general depositor preference, any resulting write-down or conversion of senior 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:130%">cr&#233;ditos ordinarios preferentes</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:130%">) by the Relevant Spanish Resolution Authority would be carried out before any write-down or conversion of the claims of depositors such as those of large corporates that previously would have been written-down or converted alongside such senior 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:130%">cr&#233;ditos ordinarios preferentes</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:130%">). By removing the requirement for such deposits to be written-down or converted in this manner, one of the stated objectives of this proposed amendment is to reduce the likelihood of deposits generally needing to be included in any such write-down or conversion upon any application of the Bail-In Tool and improve the process for the application of the Bail-In Tool.</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:120%">&#8220;Applicable Banking Regulations&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> 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:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#8220;Relevant Spanish Resolution Authority&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> 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:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#8220;Law 11/2015&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> 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="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:17.85pt"><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="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%">On March 27, 2024<span id="i422244d60c874d3a8a45fe176af8f75e_23067"></span>, BBVA announced that it had received a communication from the Bank of Spain regarding its MREL (Minimum Requirement for own funds and Eligible Liabilities) requirement, established by the SRB, which was calculated taking into account the financial and supervisory information as of December 31, 2022. In accordance with this MREL communication, BBVA must maintain, as from March 27, 2024, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">an amount of own funds and eligible liabilities equal to 22.79% of the total RWAs of its resolution group, on a sub-consolidated level (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;). Within this MREL in RWAs, an amount equal to 13.50% of the total RWAs of BBVA&#8217;s resolution group must be met 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%">subordination requirement in RWAs</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 subordination requirement in RWAs do not include the combined capital buffer requirement which, according to applicable regulations and supervisory criteria, is 3.65% as of December 31, 2024, considering exposures subject to the calculation of the countercyclical buffer as of December 31, 2024.</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-weight:400;line-height:120%">In addition, BBVA must maintain, as from March 27, 2024, an amount of own funds and eligible liabilities in terms of the total exposure considered for calculating the leverage ratio equal to 8.48% (the &#8220;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MREL in LR</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) of which 5.78% in terms of the total exposure considered for calculating the leverage ratio shall be satisfied with subordinated instruments (the &#8220;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">subordination requirement in LR</span><span style="background-color:#ffffff;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%">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="background-color:#ffffff;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, no MREL Pillar 2 requirement has been imposed on BBVA. Given the own funds and eligible liabilities structure of BBVA&#8217;s resolution group as of December 31, 2024, the amount of own funds and eligible liabilities stood at </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">27.92</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">% of the RWAs of its resolution group, at the sub-consolidated level, complying with the aforementioned MREL in RWAs requirement, and the amount of subordinated instruments was equal to </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">23.13</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">% of the RWAs of it resolution group, at the sub-consolidated level, complying with the subordination requirement in RWAs.</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-weight:400;line-height:120%">In addition, as of December 31, 2024, the amount of own funds and eligible liabilities of BBVA in terms of the total exposure considered for calculating the leverage ratio stood at </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">12.10</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">% and the amount of subordination instruments in terms of the total exposure considered for calculating the leverage ratio stood at </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">10.03</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">%, complying with the MREL in LR and the subordination requirement in LR, 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 resolution group consists of BBVA and its subsidiaries belonging to the same European resolution group and, as of December 31, 2024 (the currently applicable reference date), the RWAs of the resolution group amounted to &#8364;228,796 million and the total exposure considered for calculating the leverage ratio amounted to &#8364;527,804 million.</span></div><div id="i22a2e436ff7c462c96898906283f922e_2666"></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 has been gradually built up during the first eight years (2016-2023) and has reached 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 SRF 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 European Stability Mechanism (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ESM</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) 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 related treaty amendments (the &#8220;ESM Treaty amendments&#8221;) were later signed by Member States (represented by their ambassadors to the EU) on January 27, 2021. 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 ESM Treaty amendments are pending ratification by Italy. On December 21, 2023, the Italian Parliament voted against the ratification of the ESM Treaty amendments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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 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="i22a2e436ff7c462c96898906283f922e_85"></div><hr style="page-break-after:always"/><div style="min-height: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 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 (CET1, Tier 1, etc.) using the BIS Framework rules and the CRR. See Note 32 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%">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="i22a2e436ff7c462c96898906283f922e_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%">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) 2013/575, later amended by 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&#8217;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 the institution&#8217;s 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 CRR II 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&#8217;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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2024, the EU approved the transposition into domestic law of a final set of rules forming part of the Basel III framework (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</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="i22a2e436ff7c462c96898906283f922e_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: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 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><div id="i22a2e436ff7c462c96898906283f922e_94"></div><hr style="page-break-after:always"/><div style="min-height: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%">Dividends</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%">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 (despite distributions from the share premium account, which are 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="i22a2e436ff7c462c96898906283f922e_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 additional 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-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%;text-decoration:underline">Payments 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 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;) (transposed by means of Royal Decree-Law 19/2018, of November 23, on Payment Services) and Directive (EU) 2014/92 (transposed by means Royal Decree-Law 19/2017, of November 24, on basic payment accounts, transfer of payment accounts and comparability of fees). 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 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%;text-decoration:underline">Finance</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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) (transposed by means of Law 16/2011, of June 24, on Consumer Credit Contracts) 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, transposing Directive 2014/17. 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.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, specific regulations applicable to mortgage loans for vulnerable consumers are in effect. Royal Decree-Law 6/2012 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CGP 6/2012</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) establishes a Code of Good Practices to support debtors facing severe financial difficulties. Measures include a five-year grace period for principal repayment, reduced interest rates during this period, and loan term extensions of up to 40 years. If refinancing is not viable, debt reduction or dation in payment (handing over) of the mortgaged home to cancel the debt is 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%">Royal Decree-Law 19/2022 expanded CGP 6/2012 to include more types of debtors but reduced the grace period to two years and allowed loan term extensions of up to seven years. It also introduced a new Code of Good Practices (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CGP 19/2022&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) to mitigate rising interest rates. Eligible debtors can extend the loan term by up to seven years (not exceeding 40 years) with options such as freezing installments for 12 months or converting to a fixed interest rate.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> CGP 19/2022 was extended until December 31, 2025, nationwide, and until June 30, 2026, for residents in areas affected by the late 2024 floods (DANA).</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%;text-decoration:underline">Instant Payments 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) 2024/886 or the European Parliament and of the Council of March 13, 2024 amending Regulations (EU) No 260/2012 and (EU) 2021/1230 and Directives 98/26/EC and (EU) 2015/2366 as regards instant credit transfers in euro requires all payment service providers that offer regular transfer services to offer consumers and businesses in the European Economic Area (EEA)&#8212;the 27 EU member states plus Iceland, Liechtenstein, and Norway&#8212;the ability to transfer money within a maximum of 10 seconds, at any time of day, every day of the week.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, if there is a fee, such fee cannot be higher than the fee applied to regular transfers. Furthermore, in order to prevent sending money to fraudulent accounts, payment service providers must offer users the possibility of verifying that the IBAN number of the account to which the money is being sent matches the name of the recipient.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 establishes a transitional period for its implementation, granting entities in the eurozone until January 9, 2025 to receive transfers and to apply fees for this service, which must not exceed those for standard transfers. Furthermore, entities will have until October 9, 2025, to implement the capability to send instant transfers, incorporate the verification service to ensure that the beneficiary&#8217;s name matches the IBAN, and offer customers the possibility to set limits on transferred amounts.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 Draft Bill on 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%">The Congress of Deputies is currently debating the draft bill for the creation of the Financial Customer Defense Authority (the &#8220;Authority&#8221;). The final approval could take place during the year 2025. The below discussion is based on the latest proposal as of the date of this Annual Report, and any final resolution (if passed) may include additional or different 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%">Based on the current proposal, 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&#8217;s resolution will not be binding when the amount of the claim is equal to or greater than 20,000 euros or is related to 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 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, regardless of whether they are binding or not, 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. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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%">The Authority will be entirely financed by financial entities, which will be required to pay a varying annual fee based on the number of complaints filed against them, and the number of complaints resolved against them, in the preceding year. In particular, 40% of the costs incurred by the Authority in a given year will be distributed among institutions on a pro rata basis based on their respective weight within the absolute number of complaints brought in such year, while 60% of the costs will be distributed on a pro rata basis based on their respective weight within the absolute number of complaints resolved in favor of customers brought in such 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%;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="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%;text-decoration:underline">Organic Law 1/2025, of January 2, on Measures to Improve the Efficiency of the Public Justice Service</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 introduces the following 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%">(i) New Regime for Late Payment 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%">In consumer actions, if companies fail to cooperate in reaching an agreement on disputes related to either clauses that are declared null and void by the Supreme Court, resolutions registered in the General Register of Contract Terms, or judgments of the Court of Justice of the European Union (CJEU), courts may impose compensation for late payment. This compensation will consist of an annual interest equal to the legal interest rate in effect at the time, increased by 50%. If more than two years have passed since the judgment ordering the restitution of amounts, the annual interest shall not be less than 20%. Interest will accrue daily from the date the consumer paid the amounts claimed (e.g., in cases of expenses related to a mortgage loan, from the time of signing of such mortgage loan).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(ii) Mandatory Pre-Claim Process</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%">Before filing a lawsuit, in most civil disputes, it will be mandatory to attempt to resolve the dispute through alternative dispute resolution mechanisms. For disputes filed by consumers against financial institutions related to unfair terms in mortgages, this requirement will involve submitting a prior claim to the lender, who must respond and include, as the case may be, a calculation of the amount to be reimbursed. If the lender fails to resolve the claim, it cannot introduce new arguments in court beyond those included in its response.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 judicial debt claims where no enforcement proceedings are initiated, the financial institution shall also resort to alternative dispute resolution mechanisms. In addition, at any stage of enforcement proceedings, the parties may submit to mediation or any other appropriate dispute resolution mechanisms, in which case the enforcement proceeding shall be suspended.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(iii) Modification of the Valuation of Unquantifiable 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-weight:400;line-height:120%">Courts have generally considered that a declaratory claim for the nullity of a clause is of indeterminate value. When the value of a lawsuit is indeterminate, the regulation provides that, for the purposes of cost assessment, claims are estimated at &#8364;18,000, unless the complexity of the case dictates otherwise.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 new law provides for increasing the valuation of unquantifiable claims from &#8364;18,000 to &#8364;24,000. If a party is found to have committed a &#8220;misuse of judicial resources&#8221;, procedural costs and fines of up to &#8364;6,000 may be imposed on such a party. This may increase the costs of litigation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, certain articles of procedural law were amended, including, among others, those related to the judicial auction of 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%;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 sustainability initiatives within the European Union are expected to significantly impact the asset management and retail investment services sectors during 2025. In particular: (i) the European Securities and Markets Authority (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#8220;ESMA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) published the Guidelines on Funds' Names Using ESG or Sustainability-Related Terms in August 2024, which became effective on November 21, 2024. Asset managers are required to adapt the names of investment funds under their management as of that date&#8212;or, alternatively, adjust the investment policies of those funds&#8212;by May 21, 2025; and (ii), with the imminent transposition of the Corporate Sustainability Reporting Directive (</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%">) into Spanish law, it is anticipated that, starting in 2025, asset managers exceeding certain thresholds will be obligated to prepare a sustainability report as part of their management report. Additionally, a degree of uncertainty remains regarding the European Commission's forthcoming actions following the consultation initiated at the end of 2023 concerning the implementation of the Sustainable Finance Disclosure Regulation (</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%">). The most significant and anticipated development is the potential establishment of a sustainable labeling system for financial products; however, it is currently unknown whether this will effectively materialize during 2025.</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%">Recent developments in financial services legislation 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">The European Commission, the European Parliament and the European Council have agreed on certain amendments to be made to MIFID II and Regulation (EU) No 600/2014 on markets in financial instruments (MiFIR). The vast majority of the changes relate to MiFIR, where some existing obligations are removed or alleviated. In particular, the pre-transparency obligation is limited to equity products and products subject to the clearing obligation. The systematic internalized figure is also reduced in its scope and, as an alternative, the figure of the designated publishing entity is created to facilitate the buy-side compliance with post-transparency rules. Most of these changes entered into force on March 28, 2024, although (i) a some of them will need to be further developed by level 2 legislation; and (ii) ESMA and the European Commission published two statements to clarify that certain obligations will not enter into force until a later 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:'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 European Commission has published a regulatory package called Retail Investment Strategy (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#8220;RIS&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) which aims to increase the participation of retail investors in European capital markets. Directive 2014/65/EU on markets in financial instruments (MiFID) is included among the different EU directives to be reviewed, with relevant changes proposed in retail investor protection. The European Parliament and European Council have also published their alternatives to the European Commission proposal. The amendment of MiFID is not expected to be approved in 2025 and its content is likely to undergo relevant changes given the differing public positions of the various EU co-legislators. </span></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 regulatory package amending, among others, Regulation (EU) 648/2012 of the European Parliament and Council on over-the-counter derivatives, central counterparties and trade repositories (EMIR 3.0) was published in the Official Journal and most of the changes apply from December 24, 2024. The main changes aim to increase clearing at EU central counterparties and reduce reliance on certain UK central counterparties through the so-called &#8220;active accounts&#8221;. ESMA has issued a consultation paper to obtain feedback from market participants in order to prepare level 2 legislation. </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%">In addition, as part of the RIS, the European Commission has published a proposal to amend the Regulations for packaged retail investment products (PRIIPs). The proposed changes are mainly focused on providing alternatives for the use of digital channels and the inclusion of a new ESG section within the Key Information Document (KID).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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">Digital Operational Resilience Act (DORA)</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2022/2554, on digital operational resilience for the financial sector (DORA), is a EU regulation aimed at ensuring the operational resilience of financial entities against digital and cybersecurity risks, which entered into force in January 2025. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Enacted as part of the EU's broader Digital Finance Package, it establishes a uniform framework for financial institutions, including banks, investment firm, and asset managers, to manage and mitigate technological risks. DORA mandates stringent requirements for risk management, incident reporting, oversight of third-party information and communication technology (ICT) service providers and testing of operational resilience. Its impact on financial entities is significant, as it drives the need for enhanced IT systems, stronger governance structures and robust third-party risk management. As a result, DORA is already affecting financial entities and its relationship with counterparties and providers.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 on Credit Institutions 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 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 a temporary tax on extraordinary profits applicable to credit institutions operating in Spain during the years 2023 and 2024 whose aggregate interest income and fee and commission income in 2019 was &#8364;800 million or more. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 to be paid under such temporary tax on extraordinary profits is 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 make such a payment arose. The payment obligation arises on the first day of the calendar year of fiscal years 2023 and 2024.</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><hr style="page-break-after:always"/><div style="min-height: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 impact of the payment required to be made by BBVA on account of this temporary tax in 2024 and 2023 amounted to &#8364;285 million and &#8364;215 million, respectively, which amounts were recorded under &#8220;Other operating expense&#8221; in the consolidated income statements (see Note 42 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%"> On December 21, 2024, Law 7/2024 was published in the Official State Gazette, the ninth Final Provision of which regulates a new tax on the interest margin and commissions of certain financial entities, including Banco Bilbao Vizcaya Argentaria, S.A. The tax is levied on the interest margin and commissions obtained by credit institutions from the activity they carry out in Spain and is applicable to the first three consecutive tax periods that begin on January 1, 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%">Subsequently, Royal Decree-Law 9/2024, which came into force on December 25, 2024, modified certain aspects of the tax approved by Law 7/2024, among other things, the tax period and the accrual of the new tax. However, this Royal Decree-Law has not been validated by the Congress of Deputies so, as of the date of this Annual Report, it is 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%">No impact associated with this tax has been recorded in the Consolidated Financial Statements for the year ended December 31, 2024. See Note 19.6 to the Consolidated Financial Statements for additional information on certain other contributions and taxes.</span></div><div id="i22a2e436ff7c462c96898906283f922e_103"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 May 20 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 EU&#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 EU rules against money laundering and terrorist financing. This legislative package consisted of four texts: (i) a regulation governing the creation of an EU Authority for Anti-Money Laundering and Countering the Financing of Terrorism (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">AMLA Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;); (ii) a new regulation on the prevention of money laundering and terrorist financing (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">AML/CFT</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-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%">the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">AML/CFT Regulation</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, respectively); (iii) the 6th directive on the prevention of money laundering and terrorist financing (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">6th AML/CFT Directive</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;); and (iv) the revision of a 2015 regulation on transfers of funds related to tracing transfers of certain crypto-assets (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Travel Rule 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;text-align:justify;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 Travel Rule Regulation was adopted in May 2023. The remaining proposals were approved by the Parliament on April 24, 2024 and by the Council on April 30, 2024 (with publication in the Official Journal of the European Union on June 19, 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 new Authority for Anti-Money Laundering and Countering the Financing of Terrorism (AMLA) will have direct and indirect supervisory powers over high-risk obliged entities in the financial sector and will establish an integrated mechanism with national supervisors to ensure that obliged entities comply with AML/CFT-related obligations. The AMLA Regulation will apply from July 1, 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 AML/CFT Regulation harmonizes anti-money laundering rules across the EU and extends anti-money laundering rules to new obliged entities. The AML/CFT Regulation also establishes stricter due diligence requirements and regulates beneficial ownership. It will apply from July 10, 2027.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 6th AML/CFT Directive sets out clear rules on how Financial Intelligence Units (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FIUs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and supervisors work together, requires EU Member States to provide information from centralized bank account registers through a single access point and includes harmonization of the format of bank statements. The deadline for transposition is July 10, 2027.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Finally, the Travel Rule Regulation, which regulates measures to detect and manage transfers of funds or crypto-assets, began to apply on December 30, 2024.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">GDPR</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#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="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><hr style="page-break-after:always"/><div style="min-height: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%">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, have 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%">Furthermore, 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 id="i22a2e436ff7c462c96898906283f922e_112"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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%;text-decoration:underline">Financial, Deposit and Credit 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 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;), where CNBV issues prudential regulation and BANXICO regulates banking transactions, including financial and deposit products. In addition, the Financial Services Transparency (LTOSF) and Regulation Law contains provisions regarding transparency and consumer 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%">Furthermore, Banking Deposit Insurance Law (IPAB Law) governs the creation, organization, and functions of IPAB, the Mexican bank deposit protection agency. The IPAB provides financial support to banks to safeguard customer deposits. Deposit insurance is paid upon a bank&#8217;s 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%">Finally, the Law for the Protection and Defense of Financial Services Users aims to protect and defend the rights and interests of users of financial services. It establishes the CONDUSEF, an autonomous agency with broad authority to safeguard user rights, including the power to impose fines. Banks are required to maintain an internal unit dedicated to resolving disputes submitted by 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%;text-decoration:underline">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%">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, and 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%;text-decoration:underline">Asset 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%">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, and 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%;text-decoration:underline">Anti-Money Laundering (AML) 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 primary AML regulations applicable to credit institutions are issued by the Ministry of Finance and Public Credit (Secretar&#237;a de Hacienda y Cr&#233;dito P&#250;blico or &#8220;SHCP&#8221;) and are set forth in the general provisions referred to in Article 115 of the Mexican Banking Law. These provisions impose obligations on financial institutions, including customer due diligence, transaction monitoring, suspicious activity reporting, and risk-based compliance programs. The CNBV and SHCP enforce AML regulations and impose severe penalties for non-compliance. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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">Recent Developments in 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%">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:10pt;margin-top:10pt;text-align:justify;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 September 15, 2024, a constitutional reform regarding the Judiciary System was published in Mexico&#8217;s Federal Official Gazette. The reform primarily establishes the popular election of federal judges, including Supreme Court justices (SCJN), federal magistrates and judges, as well as magistrates of the Electoral Tribunal and the creation of a Judicial Discipline Tribunal (TDJ) to oversee judiciary performance. The TDJ has the power to investigate and sanction judicial misconduct. Furthermore, the reform reduces the SCJN from 11 to nine justices and eliminates chambers, consolidating all decisions in plenary sessions. The reform took effect the day after publication, with extraordinary elections scheduled for September 2025 to elect SCJN justices, TDJ members, and half of the federal judiciary. The remaining positions will be elected in 2027. Finally, the reform imposes the obligation for each of the States to locally reform their constitution in order to implement the foregoing 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%">A decree published on December 20, 2024 in Mexico&#8217;s Federal Official Gazette proposes the elimination of several Constitutionally Autonomous Bodies (OCAs), transferring their functions to other entities of the federal government. The National Institute of Transparency (INAI) will have its responsibilities redistributed to government agencies. The Federal Economic Competition Commission (COFECE) will be replaced by the Authority on Free Competition, a decentralized body stemming from the Federal Executive that will be in charge also of telecommunications&#8217; antitrust matters. Additional bodies to be eliminated include the National System for Continuous Improvement in Education (which responsibilities will be transferred to the Ministry of Public Education), the National Council for the Evaluation of Social Development Policy (CONEVAL) (which responsibilities will be transferred to the National Institute of Statistics and Geography (INEGI)), the Federal Telecommunications Institute (IFT) (which responsibilities will be transferred to the Ministry of Infrastructure, Communications and Transportation (SICT)), and the Energy Regulatory Commission (CRE) and National Hydrocarbons Commission (CNH) (which responsibilities will be transferred to the Ministry of Energy (SENER)). Congress has 90 days to issue secondary legislation for most bodies and 180 days for the IFT and COFECE. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2024, the CNBV introduced provisions to combat fraud, requiring clients to define transactional limits or, failing which, allowing banks to establish them, mandating enhanced authentication for large transactions, and implementing fraud management plans addressing internal and external risks. Additionally, BANXICO has proposed reforms (that are pending further discussions and publication in Mexico&#8217;s Federal Official Gazette) for payroll-associated credits (CAN), including mandatory direct debit, repayment prioritization, partial payments, and migration of existing credits to CAN terms. Finally, the CNBV has updated anti-money laundering rules, introducing new low-risk accounts with transaction limits, allowing remote opening of Level 3 accounts, and restricting Level 2 accounts to individuals with a Unique Population Registry Code (CURP).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2018, the Investigative Authority (IA) of the COFECE launched an investigation into the card payments market. In July 2023, the COFECE&#8217;s Board issued a final resolution recommending that regulators implement regulatory changes and mandating clearing houses to establish a compliance program and appoint an antitrust compliance officer. BBVA Mexico has taken all necessary actions and provided all required information to demonstrate compliance with the 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%">Separately, in October 2022, COFECE announced that it had initiated an investigation in April 2022 into potential collusion in credit card transactions involving deferred monthly payments at zero interest. Although not under investigation, in July 2024, BBVA was requested to aid in the investigation by providing the authority with information related thereto. The request was addressed in December 2024. The deadline for COFECE to conclude its investigation was December 18, 2024. No implications for BBVA are anticipated because of this investigation. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </span></div><div id="i22a2e436ff7c462c96898906283f922e_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%">Turkey</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%">BBVA&#8217;s operations in Turkey are subject to substantial regulation. 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:17.86pt"><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. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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">Regulation on loans</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:10pt;margin-top:10pt;text-align:justify;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 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. According to such Communiqu&#233;, starting on January 4, 2024, monetary limits and maximum fees which are stated as fixed rates will be revised annually at the rate of increase in the annual consumer price index, as announced by the Turkish Statistical Institute at the end of the year. In addition, an upper limit of 3.11% was introduced in December 2023 with respect to the maximum interest rates for credit cards and maximum commission rates for merchants that banks may charge. The Communiqu&#233; was amended on June 28, 2024 to introduce a change in the calculation method of the prepayment fee for fixed-rate and floating-rate commercial loans. In this regard, for fixed-rate loans, the prepayment fee that can be charged on the aggregate amount of the loans that are being prepaid must not exceed (i) in the case of Turkish lira-denominated loans, the loan interest rate and the remaining weighted average maturity, and (ii) in the case of foreign currency or foreign currency-indexed loans, the rate calculated by the formula determined by 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;) based on a fixed rate and the remaining weighted average maturity. For floating-rate loans, the prepayment fee must not exceed 2% of the aggregate amount of the 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%">In addition, in September 2024, the BRSA introduced regulations regarding the restructuring of retail credit card debts, including the possibility of adding the installment amount for each month to the minimum payment of the relevant month, limited to a maximum of 60 months. The credit card limit allocated to the cardholder cannot be increased until 50% of the restructured debt is paid off. If the restructured amount exceeds the credit card limit, the excess amount will not be considered an overdraft (debit). The interest rate applicable to restructured credit card debts must not exceed the reference rate specified in the regulation updates of September 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%">Since 2020, BRSA has issued recommendations to protect the value of the Turkish lira by ensuring that customers who are granted cash loans do not use the loan amounts for buying foreign currency or gold, and has introduced and regulated the Foreign Currency Protected Turkish Lira Deposit Account, an instrument designed to protect Turkish lira-denominated deposits from volatility in exchange rates. As per the latest amendments in September 2024, foreign currency deposit accounts and participation fund account balances of individuals and legal persons denominated in U.S. dollars, euros and British pounds existing in banks as of August 31, 2024 (prior to this amendment, the relevant regulation referred to balances as of March 31, 2024) can be converted into Turkish lira at the CBRT&#8217;s conversion rate upon such individuals&#8217; request. Furthermore, a similar amendment (modifying the date of the relevant balances from March 31, 2024 to August 31, 2024) was made to Communiqu&#233; on Supporting Conversion from Gold Accounts to Turkish Lira Deposit and Participation Accounts (No: 2021/16). According to such amendment, the balances of gold accounts held by individuals at banks as of August 31, 2024 can be converted into Turkish lira at the conversion price upon such individuals&#180; request.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 Regulation on Consumer Loan Agreements, the scope of the information required to be included in the information form given to the consumers with respect to the relevant loan was expanded. Further, loan-related insurances can be entered into only upon the relevant consumer&#8217;s request.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Two new regulations entered into force on January 1, 2024: the Regulation on Lending Transactions of Banks, which regulates the procedures and principles applicable to loans made by banks in Turkey, and the Regulation on the Determination of Risk Groups and Loan Limits, which sets out the procedures and principles for determining risk groups and calculating loan limits on a consolidated and an unconsolidated level. Both regulations replace the relevant provisions of the Regulation on Lending Transactions of Banks of November 1, 2006, which have been split into these two new separate regulations. The regulations aim to ensure the full harmonization of banking legislation with Basel III standards. Accordingly, more comprehensive and stricter rules are included for the determination of risk groups and loan limits.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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 annual inflation rate (51.97% in August 2024). The monthly maximum contractual interest rate to be applied to Turkish lira credit card transactions (excluding cash withdrawals or utilization transactions), which was announced by the CBRT on October 24, 2024, is effective since November 1, 2024. The CBRT has announced that, effective as of April 6, 2024, the maximum interest rate for credit card transactions (excluding cash withdrawals or utilization transactions) is 4.25%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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">Reserve and maintenance of securities requirements</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:10pt;margin-top:10pt;text-align:justify;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 7, 2024, the CBRT amended the Communiqu&#233; Regarding Reserve Requirements. According to such amendment, if the growth of loans whose procedures and principles are determined by the CBRT for any given bank exceeds 2% at any relevant calculation date until January 3, 2025 (inclusive) compared to relevant loan portfolio as of March 29, 2024, the excess loans will be blocked as Turkish lira-denominated required reserves. This 2% rate was changed to 1.5% on January 4, 2025. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 amendments introduced an additional reserve requirement, which was set at 5% as of September 2024, and which requires Garanti BBVA to make Turkish lira-denominated deposits with the CBRT in such proportion with respect to all foreign currency-denominated deposits and participation funds (excluding those obtained from banks abroad) held by Garanti BBVA, regardless of their maturities.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 November 2024, the CBRT amended the Communiqu&#233; Regarding Reserve Requirements, revising the reserve requirement rates as follows: (i) for demand deposits, notice deposits, and deposits with up to 1-month maturity and up to 3-month maturity, the ratio was increased from 15% to 17%; (ii) for deposits with up to 6-month maturity, up to 1-year maturity and maturities of 1 year and longer, the rate remains at 10%; (iii) for deposits with foreign exchange or price protection by the CBRT with up to 6-month maturity, the rate was set at 33%; and (iv) for deposits with foreign exchange or price protection by the CBRT with a maturity longer than 6 months, the rate was set at 22%.</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 Regulation on the Maintenance of Securities, pursuant to which each bank in Turkey (including Garanti BBVA) was required to hold certain amounts of Turkish lira-denominated long-term government debt securities and lease certificates issued by the Leasing Company of Under secretariat of Treasury based on their respective balances of foreign currency deposits, participation funds and precious metals held by customers and Turkish lira deposits, among other assets and liabilities, was amended on December 22, 2023. The relevant requirement for foreign currency deposits, participation funds and precious metals accounts held by customers and funds from foreign exchange-denominated repo transactions was set at 4%. The CBRT repealed the Regulation on the Maintenance of Securities on May 9, 2024 with immediate effect and, therefore, the rules requiring banks to hold long-term Turkish lira-denominated securities issued by the Turkish government with the CBRT have been abolished. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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">Other 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 Decision of the Board of the Public Oversight, Accounting and Auditing Standards Authority (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">POA</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) on the implementation of the Turkish Sustainability Reporting Standards (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">TSRS</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) was published on December 29, 2023 and entered into force as of January 1, 2024. The Decision regulates the scope of the implementation of TSRS 1 &#8220;General Provisions on Disclosure of Sustainability Related Financial Information&#8221; and TSRS 2 &#8220;Climate Related Disclosures&#8221; standards that organizations, institutions and entities in Turkey must consider when preparing their sustainability reports. The aim of the TSRS is to enhance access to green financing for enterprises established in Turkey and they were determined by the POA by considering the International Sustainability Reporting 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-weight:400;line-height:120%">The Decision of the POA dated December 16, 2024, for accounting periods beginning on or after January 1, 2024, introduced amendments regarding the institutions, organizations and enterprises that will apply TSRS in the preparation of sustainability reports and the scope of reporting. In particular, the phrase &#8220;joint stock companies whose capital market instruments are traded on a stock exchange or other organized markets, or which have a prospectus or issuance document with a validity period approved by the Capital Markets Board(&#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;) for the purpose of trading&#8221; has been amended to &#8220;corporations traded on the stock exchange markets, except for corporations whose shares are traded on the Close Monitoring Market of Borsa Istanbul A.&#350;. and on the Venture Capital Market for sale to qualified investors&#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%"> Further, joint stock companies that are not traded on a stock exchange or other organized markets, but issue capital market instruments other than shares without a public offering, or have a valid issuance certificate approved by the Capital Markets Board for this purpose, will be excluded from the scope of the mandatory application of the TSRS. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Substantial amendments were introduced 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 on September 30, 2024. The amendments include regulation on digital wallet services, including the requirement to obtain an operating license by April 7, 2025.</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="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In December 2023, the Tax Procedure Law was amended with respect to the inflation-adjustment calculations with the aim of eliminating the effects of high inflation on financial statements and mitigating the adverse effects of inflation in taxation (as inflation results in tax revenue losses for the government). According to this amendment (which was subsequently revised, as indicated further below), banks (including Garanti BBVA), companies within the scope of the Financial Leasing, Factoring, Financing and Savings Financing Companies Law No. 6361, payment and electronic money institutions, authorized foreign exchange institutions, asset management companies, capital market institutions, insurance and reinsurance companies and pension companies, could not take into account the difference in profit/loss arising from inflation adjustments in the 2024 and 2025 accounting periods (including the relevant tax periods) in determining their earnings. Therefore, it was inferred that the aforementioned entities could make inflation adjustments in 2024 and 2025 and apply depreciation over the adjusted values. However, the BRSA, within the scope of its decision of December 2024, decided that banks and Financial Leasing, Factoring, Financing, Savings Financing and Asset Management Companies may not apply inflation accounting in 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024, the Communiqu&#233; on the Financial Statements of Companies Applying Inflation Adjustment was published in the Official Gazette dated June 15, 2024. The purpose of the Communiqu&#233; is to determine the financial statements to be taken as a basis in relation to the inflation adjustment to be applied in 2023 and subsequent accounting periods. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2, 2024, the Capital Markets Law was amended to include the following concepts: crypto assets, crypto asset trading platform, crypto asset custody service and crypto asset service providers, as well as the procedures and principles regarding the supervision thereof. While the Capital Markets Board will have the authority to regulate crypto assets, the duties and authorities of other governmental institutions will be preserved. In this regard, the CBRT will be able to regulate crypto assets that are accepted as electronic money within the scope of the payment services and electronic money legislation and the Turkish Ministry of Trade will be able to regulate crypto assets that aim to give access to or represent a product or service. Service providers for both types of assets will be able to obtain an operating license only after the secondary regulations on the activities of such service providers and the transfer and custody of crypto assets enter into force. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 25, 2024, it was stipulated that financial institutions, when establishing business relationships with crypto-asset service providers, and crypto-asset service providers, when establishing business relationships with their customers and conducting other transactions requiring identity verification, must, (i) obtain information, to the extent possible, regarding the source of the assets involved in the transaction and the funds belonging to the customer, (ii) gather information about the purpose of the transaction, and (iii) implement measures to closely monitor the business relationship by increasing the number and frequency of applied controls, identifying transaction types requiring additional scrutiny, and taking appropriate measures to set limits on transaction amounts and the number of transactions (effective as of February 25, 2025).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024, the Communiqu&#233; on Amendments to the Communiqu&#233; on the Deposit and Participation Scheme for Non-Resident Turkish Citizens sets forth certain regulation applicable to time deposit and participation accounts (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">YUVAM</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) that are the result of converting foreign currency deposit accounts and participation funds of certain non-resident persons that were denominated in foreign currency into Turkish lira deposits or accounts, and which provide additional returns according to the procedures determined by the CBRT. YUVAM accounts can be opened by converting foreign currency deposits or accounts through a document proving that the relevant funds were transferred from outside 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%">Following the Decision of the Fund Board of the Savings Deposit Insurance Fund of December 5, 2024, the amount of deposits and participation funds subject to insurance, increased to 950,000 Turkish lira</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%">, effective at the beginning of 2025. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 decision by Turkey&#8217;s Banking Regulation and Supervision Agency (BRSA) dated December 19, 2024, which applied a 200% risk weight to commercial cash loans, is no longer in effect. On December 20, 2024, the BRSA announced a new regulation that reduced the risk weight for these loans to a range of 20% to 100%, depending on the credit rating of the borrowing 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%">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="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:150pt"></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: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:8pt;font-weight:400;line-height:130%"> Approximately &#8364;25,995 EUR (based on an exchange rate of &#8364;1 = 36.55 Turkish lira) as of January 2025.</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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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;&#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%">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="i22a2e436ff7c462c96898906283f922e_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%">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 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%">Because BBVA maintains a branch in the United States, BBVA is 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. and BBVA Mexico, 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. As a bank holding company that has elected to be treated as a financial holding company, BBVA can also engage in direct and indirect activities and investments in the United States that are &#8220;financial in nature&#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="text-align: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&#8217;s non-FDIC insured 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. In August 2024, BBVA established its Houston representative office, which is supervised by the Federal Reserve through the Federal Reserve Bank of Dallas, as well as licensed and supervised by the Texas Department of Banking. BBVA Mexico, S.A.&#8217;s agency office in Houston, Texas is a non-FDIC insured agency office of BBVA Mexico, 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 Bank of Dallas. BBVA&#8217;s U.S. branch and agency 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. branch and agency 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 or engaging in certain other transactions involving the U.S. branch and agency. 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%">Owing to the sale by BBVA 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</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%">(the</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> &#8220;USA Sale&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">), 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 has not been treated as a Category IV foreign banking organization since that time and has ceased to be subject to the enhanced prudential standards applicable to Category IV foreign banking organizations under Regulation YY. Despite that change in status, BBVA continues to be subject to certain Federal Reserve regulations under Regulation YY 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;). Based on its worldwide total assets, BBVA is required to file a reduced Title I Resolution Plan once every three years, with its next Title I Resolution Plan due July 1, 2025.</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:10pt;margin-top:10pt;text-align:justify;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. While 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 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 with respect to its activities involving &#8220;swaps&#8221; (as defined in the Commodity Exchange Act), which include many types of over-the-counter derivatives, such as interest rate swaps and certain foreign exchange derivatives. In general, as a non-U.S. swap dealer, BBVA is not subject to all CFTC requirements applicable to U.S. swap dealers, 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 became conditionally registered as a security-based swap dealer with the SEC in June 2024, which subjects BBVA to regulation and supervision by the SEC with respect to its activities involving &#8220;security-based swaps&#8221; (as defined in the Securities Exchange Act of 1934), which include many types of over-the-counter derivatives referencing single securities or loans or narrow-based indexes of securities, such as credit default swaps and equity total return swaps. In general, as a non-U.S. security-based swap dealer, BBVA is not subject to all SEC requirements applicable to U.S. security-based swap dealers, including certain business conduct standards, when entering into security-based swaps with non-U.S. counterparties. In addition, subject to certain conditions, BBVA may comply with EU OTC derivatives requirements in lieu of certain SEC requirements, pursuant to a substituted compliance determination issued by 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 (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">USA PATRIOT Act</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 require financial institutions operating in the United States to, among other things, (a) conduct due diligence and collect certain information related 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., senior foreign political figures); and (d) develop and maintain anti-money laundering programs that include customer identification procedures; compliance policies, procedures, and internal controls designed to ensure the detection and reporting of money laundering and terrorist financing; the designation of a chief compliance officer; as well as training and audit functions. Financial institutions are also expected to maintain 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 affiliate are regulated and supervised by the SEC.</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><div id="i22a2e436ff7c462c96898906283f922e_121"></div><hr style="page-break-after:always"/><div style="min-height: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:10pt;text-align: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%">. Banco Bilbao Vizcaya Argentaria, S.A. maintained a bank account in Spain until May 2024 for a Spanish citizen employed by the Iranian embassy in Spain. Estimated gross revenues for the year ended December 31, 2024, from this account, which include fees and/or commissions, totaled $2.71. The BBVA Group does not allocate direct costs to fees and commissions and therefore has not disclosed a separate profit measure.</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="i22a2e436ff7c462c96898906283f922e_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"><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, 2024, see Note 1.1 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%">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, 2024.</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:44.508%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.691%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.689%"/><td style="width:0.1%"/></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 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="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%">&#160;&#160;&#160;&#160;&#160;(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%">145,532</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">GARANTI BBVA</span></div></td><td colspan="3" style="padding:2px 1pt;text-align: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%">68,135</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">BBVA PER&#218;</span></div></td><td colspan="3" style="padding:2px 1pt;text-align: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%">94.26 (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%">47.13</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">28,070</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><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></div></td><td colspan="3" style="padding:2px 1pt;text-align: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%">96.35</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">96.35</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">21,829</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><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></div></td><td colspan="3" style="padding:2px 1pt;text-align: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%">14,977</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">67.00</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%">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%">13,417</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><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 CV GRUPO FINANCIERO BBVA MEXICO</span></div></td><td colspan="3" style="padding:2px 1pt;text-align: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%">99.98</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">10,793</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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. (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%">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%">8,121</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">7,340</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><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></div></td><td colspan="3" style="padding:2px 1pt;text-align: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%">4,067</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, 2024.</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">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%">(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">BBVA owns 85.97% of Garanti BBVA, which in turn owns 100% of GarantiBank BBVA International N.V. </span></div><div id="i22a2e436ff7c462c96898906283f922e_127"></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 1,881 branch offices in Spain and, principally through our various subsidiaries, 3,868 branch offices abroad as of December 31, 2024 (1,882 and 4,067, respectively, as of December 31, 2023). As of December 31, 2024, approximately 48% of our branches in Spain and 72% of our branches abroad were rented from third parties pursuant to leases that may be renewed by mutual agreement (47% and 72%, respectively, as of December 31, 2023). For additional information on property, plants and equipment, see Note 17 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%">65</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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%">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 International Financial Reporting Interpretations Committee (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;365 million, &#8364;297 million and &#8364;501 million for the years ended December 31, 2024, 2023 and 2022, respectively. For additional information on &#8220;interest and other income&#8221; see Note 37.1 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:400;line-height:120%">IFRS 17</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 application of IFRS 17 as of January 1, 2023, selected statistical information for 2022 (including monthly data) was adjusted in order to make it comparable with the information as of and for the years ended December 31, 2024 and 2023. </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></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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%">66</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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 style="width:28.946%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.604%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.604%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.604%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.604%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.763%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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, 2024</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, 2023</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, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">777,997</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:700;line-height:120%">61,659</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-weight:700;line-height:120%">7.93</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%">748,459</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">47,850</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6.39</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%">701,093</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: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></tr><tr><td colspan="3" style="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%">716,824</span></td><td colspan="3" style="padding:2px 1pt;text-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%">61,659</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:700;line-height:120%">8.60</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%">694,361</span></td><td colspan="3" style="padding:2px 1pt;text-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%">47,850</span></td><td colspan="2" style="padding:2px 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%">6.89</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%">646,511</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: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></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%">57,589</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,283</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.96&#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="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">70,177</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,482</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.54&#160;</span></td><td style="padding:2px 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%">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%">722</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.02&#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="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%">28,603</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">972</span></td><td colspan="2" style="padding:2px 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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">42,535</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:9pt;font-style:italic;font-weight:400;line-height:120%">1,394</span></td><td colspan="2" style="padding:2px 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%">3.28&#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%">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></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%">28,986</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%">1,311</span></td><td colspan="2" style="padding:2px 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%">4.52&#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%">27,642</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%">1,088</span></td><td colspan="2" style="padding:2px 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%">3.94&#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%">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%">531</span></td><td colspan="2" style="padding:2px 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 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%">90,479</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%">5,664</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">85,279</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%">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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.71&#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%">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%">2,082</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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></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%">68,451</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3,092</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%">4.52&#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%">66,812</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-style:italic;font-weight:400;line-height:120%">2,482</span></td><td colspan="2" style="padding:2px 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%">3.72&#160;</span></td><td style="padding:2px 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%">52,114</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></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%">22,029</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,572</span></td><td colspan="2" style="padding:2px 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%">11.68&#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-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%">18,467</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-style:italic;font-weight:400;line-height:120%">2,387</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%">12.93&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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%">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%">9.73&#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></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%">59,061</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%">4,108</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.96&#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="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">62,677</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-weight:400;line-height:120%">3,791</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.05&#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%">67,527</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%">4,011</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.94&#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 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%">27,744</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;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-style:italic;font-weight:400;line-height:120%">2.90&#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-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%">32,682</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%">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%">2.38&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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></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%">31,317</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-style:italic;font-weight:400;line-height:120%">3,303</span></td><td colspan="2" style="padding:2px 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%">10.55&#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%">29,995</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3,014</span></td><td colspan="2" style="padding:2px 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%">10.05&#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-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%">28,533</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">3,329</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:400;line-height:120%">11.67&#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 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%">472,827</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%">48,109</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-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-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%">434,214</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%">36,063</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-weight:400;line-height:120%">8.31&#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="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">397,207</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%">23,800</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.99&#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-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%">228,751</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-style:italic;font-weight:400;line-height:120%">9,505</span></td><td colspan="2" style="padding:2px 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%">4.16&#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%">211,019</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8,142</span></td><td colspan="2" style="padding:2px 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%">3.86&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">203,286</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%">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></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%">244,076</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">38,604</span></td><td colspan="2" style="padding:2px 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%">15.82&#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%">223,195</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-style:italic;font-weight:400;line-height:120%">27,921</span></td><td colspan="2" style="padding:2px 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%">12.51&#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-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%">193,920</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-style:italic;font-weight:400;line-height:120%">20,068</span></td><td colspan="2" style="padding:2px 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%">10.35&#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 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%">55,967</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:9pt;font-weight:400;line-height:120%">2,307</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.12&#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%">44,609</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,415</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.17&#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-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%">32,434</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-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%">2.22&#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></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%">40,606</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,096</span></td><td colspan="2" style="padding:2px 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%">2.70&#160;</span></td><td style="padding:2px 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%">29,407</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-style:italic;font-weight:400;line-height:120%">748</span></td><td colspan="2" style="padding:2px 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%">2.54&#160;</span></td><td style="padding:2px 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%">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></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%">15,361</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,210</span></td><td colspan="2" style="padding:2px 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%">7.88&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15,202</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-style:italic;font-weight:400;line-height:120%">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%">4.38&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">10,443</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-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%">4.59&#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-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%">416,861</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:9pt;font-weight:400;line-height:120%">45,803</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.99&#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-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%">389,605</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%">34,648</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.89&#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%">364,773</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%">23,082</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.33&#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-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%">7,710</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%">2,053</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26.62&#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-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%">5,720</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">508</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.88&#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%">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%">152</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.71&#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></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%">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-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%">3.00&#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%">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%">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:400;line-height:120%">3.33&#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%">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></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%">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-style:italic;font-weight:400;line-height:120%">2,052</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">26.67% (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%">5,690</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-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%">8.91&#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%">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%">152</span></td><td colspan="2" style="padding:2px 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%">2.75&#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></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%">20,939</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,568</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.49&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16,595</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:9pt;font-weight:400;line-height:120%">1,451</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.75&#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%">13,973</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%">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-weight:400;line-height:120%">4.73&#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></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%">13,822</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%">916</span></td><td colspan="2" style="padding:2px 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%">6.63&#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%">9,472</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">828</span></td><td colspan="2" style="padding:2px 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%">8.74&#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%">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></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%">7,117</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-style:italic;font-weight:400;line-height:120%">652</span></td><td colspan="2" style="padding:2px 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%">9.16&#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%">7,123</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%">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-style:italic;font-weight:400;line-height:120%">8.75&#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%">6,622</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-style:italic;font-weight:400;line-height:120%">531</span></td><td colspan="2" style="padding:2px 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%">8.02&#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></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%">22,665</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,530</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.75&#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%">22,478</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.35&#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%">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></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%">12,369</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:400;line-height:120%">379</span></td><td colspan="2" style="padding:2px 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%">3.06&#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%">12,541</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-style:italic;font-weight:400;line-height:120%">323</span></td><td colspan="2" style="padding:2px 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%">2.58&#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%">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></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%">10,295</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-style:italic;font-weight:400;line-height:120%">1,151</span></td><td colspan="2" style="padding:2px 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%">11.18&#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%">9,937</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,104</span></td><td colspan="2" style="padding:2px 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%">11.11&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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></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%">14,638</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,265</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-weight:400;line-height:120%">8.64&#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%">12,822</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:400;line-height:120%">987</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.70&#160;</span></td><td style="padding:2px 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%">12,093</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></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%">5,176</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-style:italic;font-weight:400;line-height:120%">411</span></td><td colspan="2" style="padding:2px 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%">7.95&#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%">5,224</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%">375</span></td><td colspan="2" style="padding:2px 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%">7.18&#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%">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></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%">9,461</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-style:italic;font-weight:400;line-height:120%">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-style:italic;font-weight:400;line-height:120%">9.02&#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%">7,598</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:9pt;font-style:italic;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:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">8.05&#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-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%">6,164</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></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%">174,309</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%">19,057</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.93&#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-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%">165,941</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15,244</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.19&#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-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%">155,150</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%">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%">7.23&#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-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%">93,466</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-style:italic;font-weight:400;line-height:120%">3,774</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%">4.04&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">92,119</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%">3,391</span></td><td colspan="2" style="padding:2px 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%">3.68&#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-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%">93,586</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%">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%">2.00&#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></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%">70,678</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%">2,488</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.52&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">70,392</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%">2,217</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.15&#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-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%">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></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%">22,788</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,287</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%">5.65&#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-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%">21,727</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,174</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.40&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22,233</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">4.73&#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></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%">80,842</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">15,283</span></td><td colspan="2" style="padding:2px 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%">18.90&#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-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%">73,822</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%">11,852</span></td><td colspan="2" style="padding:2px 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%">16.05&#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-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%">61,564</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-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%">15.19&#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 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%">26,356</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%">2,845</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.80&#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%">25,835</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,440</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.45&#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%">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></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%">54,487</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%">12,437</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.83&#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-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%">47,987</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-weight:400;line-height:120%">9,412</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.61&#160;</span></td><td style="padding:2px 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%">38,831</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: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%">19.29&#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-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%">176,601</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%">20,330</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.51&#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%">166,049</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15,032</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.05&#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%">157,430</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: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></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%">63,296</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%">2,928</span></td><td colspan="2" style="padding:2px 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%">62,226</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,475</span></td><td colspan="2" style="padding:2px 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%">3.98&#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%">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></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%">113,304</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%">17,402</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%">15.36&#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-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%">103,824</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">12,556</span></td><td colspan="2" style="padding:2px 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%">12.09&#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%">95,183</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-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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:6pt"><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 (3)  </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">36,868</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,494</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.05&#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%">42,014</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:400;line-height:120%">645</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.53&#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%">42,761</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%">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%">1.91&#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 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%">28,199</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%">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-style:italic;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-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%">30,670</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-style:italic;font-weight:400;line-height:120%">(121)</span></td><td colspan="2" style="padding:2px 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)</span></td><td style="padding:2px 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%">31,634</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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%">0.96&#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-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%">8,669</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:400;line-height:120%">1,066</span></td><td colspan="2" style="padding:2px 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%">12.29&#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%">11,344</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">765</span></td><td colspan="2" style="padding:2px 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%">6.75&#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%">11,127</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%">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%">4.61&#160;</span></td><td style="padding:2px 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;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:6pt"><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 (4)</span></div></td><td colspan="3" style="padding:2px 1pt;text-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%">61,172</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-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 colspan="3" style="padding:2px 1pt;text-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%">54,098</span></td><td colspan="3" style="background-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 colspan="3" style="background-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%">54,582</span></td><td colspan="3" style="background-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"/></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 47.03% of the total average assets for the year ended December 31, 2024, 45.12% for the year ended December 31, 2023 and 43.13% for the year ended 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">This relates mainly to increases in the yield of Turkish lira-denominated commercial cash loans, as a result in part of the measures implemented by the CBRT (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;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: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">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%">(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 &#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%">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><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 style="width:28.175%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.761%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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, 2024</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, 2023</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, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Total Liabilities (1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">777,997</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:700;line-height:120%">36,392</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.68</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%">748,459</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">24,761</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3.31</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%">701,093</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:700;line-height:120%">12,309</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1.76</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><tr><td colspan="3" style="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%">684,800</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-style:italic;font-weight:700;line-height:120%">36,392</span></td><td colspan="2" style="padding:2px 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%">5.31</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%">663,217</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:700;line-height:120%">24,761</span></td><td colspan="2" style="padding:2px 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%">3.73</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%">621,332</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-style:italic;font-weight:700;line-height:120%">12,309</span></td><td colspan="2" style="padding:2px 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%">1.98</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%">73,448</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:9pt;font-weight:400;line-height:120%">4,104</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.59&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">76,280</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-weight:400;line-height:120%">3,424</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.49&#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><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="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%">56,326</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-style:italic;font-weight:400;line-height:120%">2,529</span></td><td colspan="2" style="padding:2px 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%">4.49&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">60,308</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:9pt;font-style:italic;font-weight:400;line-height:120%">2,087</span></td><td colspan="2" style="padding:2px 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%">3.46&#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%">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></tr><tr><td colspan="3" style="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%">17,122</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-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%">9.20&#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%">15,972</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%">1,337</span></td><td colspan="2" style="padding:2px 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%">8.37&#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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">555,981</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">28,429</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:120%">5.11&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">526,650</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-weight:400;line-height:120%">19,215</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%">3.65&#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-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%">504,309</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%">9,335</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%">1.85&#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 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%">306,852</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-style:italic;font-weight:400;line-height:120%">6,115</span></td><td colspan="2" style="padding:2px 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%">304,574</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-style:italic;font-weight:400;line-height:120%">5,209</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-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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">308,508</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,602</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%">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></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%">249,130</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%">22,314</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%">8.96&#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-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%">222,076</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">14,007</span></td><td colspan="2" style="padding:2px 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%">6.31&#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-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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">69,098</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%">3,114</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.51&#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%">61,289</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%">2,349</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.83&#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-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%">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%">1,681</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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;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%">46,700</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,616</span></td><td colspan="2" style="padding:2px 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%">3.46&#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%">43,453</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-style:italic;font-weight:400;line-height:120%">1,248</span></td><td colspan="2" style="padding:2px 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%">2.87&#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%">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></tr><tr><td colspan="3" style="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%">22,398</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-style:italic;font-weight:400;line-height:120%">1,499</span></td><td colspan="2" style="padding:2px 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%">6.69&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">17,836</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-style:italic;font-weight:400;line-height:120%">1,101</span></td><td colspan="2" style="padding:2px 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%">6.17&#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%">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%">953</span></td><td colspan="2" style="padding:2px 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%">6.08&#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;text-align: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%">486,884</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%">25,315</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.20&#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%">465,360</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%">16,867</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.62&#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-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%">449,622</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%">7,654</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.70&#160;</span></td><td style="padding:2px 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%">17,756</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:400;line-height:120%">1,264</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.12&#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%">26,864</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,574</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.86&#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-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%">49,586</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%">601</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.21&#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></tr><tr><td colspan="3" style="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%">8,163</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-style:italic;font-weight:400;line-height:120%">399</span></td><td colspan="2" style="padding:2px 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%">4.89&#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%">16,215</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%">600</span></td><td colspan="2" style="padding:2px 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%">3.70&#160;</span></td><td style="padding:2px 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%">42,239</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></tr><tr><td colspan="3" style="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%">9,593</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-style:italic;font-weight:400;line-height:120%">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-style:italic;font-weight:400;line-height:120%">9.02&#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%">10,649</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-style:italic;font-weight:400;line-height:120%">973</span></td><td colspan="2" style="padding:2px 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%">9.14&#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%">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%">461</span></td><td colspan="2" style="padding:2px 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%">6.28&#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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">34,614</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%">2,923</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8.44&#160;</span></td><td style="padding:2px 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%">39,695</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%">2,424</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.11&#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><td colspan="3" style="padding:2px 1pt;text-align: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%">904</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.52&#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%">26,230</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-style:italic;font-weight:400;line-height:120%">1,436</span></td><td colspan="2" style="padding:2px 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%">5.47&#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-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%">32,493</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-style:italic;font-weight:400;line-height:120%">1,610</span></td><td colspan="2" style="padding:2px 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%">4.95&#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%">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></tr><tr><td colspan="3" style="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%">8,384</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,487</span></td><td colspan="2" style="padding:2px 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%">17.74&#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%">7,202</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-style:italic;font-weight:400;line-height:120%">814</span></td><td colspan="2" style="padding:2px 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%">11.31&#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-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%">8,222</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%">631</span></td><td colspan="2" style="padding:2px 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%">7.67&#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-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%">44,245</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%">1,750</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.96&#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="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26,919</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-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%">3.82&#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%">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%">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%">2.72&#160;</span></td><td style="padding:2px 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%">30,554</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%">932</span></td><td colspan="2" style="padding:2px 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%">3.05&#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-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%">14,836</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-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%">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%">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></tr><tr><td colspan="3" style="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%">13,691</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-style:italic;font-weight:400;line-height:120%">818</span></td><td colspan="2" style="padding:2px 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%">5.98&#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%">12,083</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;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:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">6.21&#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%">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%">604</span></td><td colspan="2" style="padding:2px 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%">5.61&#160;</span></td><td style="padding:2px 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%">28,928</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:9pt;font-weight:400;line-height:120%">1,749</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.05&#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%">26,665</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,418</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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%">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%">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-weight:400;line-height:120%">2.68&#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%">11,473</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:9pt;font-style:italic;font-weight:400;line-height:120%">624</span></td><td colspan="2" style="padding:2px 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%">5.44&#160;</span></td><td style="padding:2px 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%">13,192</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%">716</span></td><td colspan="2" style="padding:2px 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%">5.43&#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-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%">12,221</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></tr><tr><td colspan="3" style="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%">17,455</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,125</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%">6.44&#160;</span></td><td style="padding:2px 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%">13,473</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:9pt;font-style:italic;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-style:italic;font-weight:400;line-height:120%">5.21&#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%">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%">333</span></td><td colspan="2" style="padding:2px 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%">4.05&#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-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%">242,236</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:120%">10,509</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.34&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">236,151</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-weight:400;line-height:120%">5,461</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.31&#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="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">226,599</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,699</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.19&#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-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%">142,664</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-style:italic;font-weight:400;line-height:120%">524</span></td><td colspan="2" style="padding:2px 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%">0.37&#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%">143,506</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:9pt;font-style:italic;font-weight:400;line-height:120%">294</span></td><td colspan="2" style="padding:2px 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%">0.20&#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%">144,712</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-style:italic;font-weight:400;line-height:120%">139</span></td><td colspan="2" style="padding:2px 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%">0.10&#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-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%">99,572</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">9,984</span></td><td colspan="2" style="padding:2px 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%">10.03&#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%">92,645</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-style:italic;font-weight:400;line-height:120%">5,168</span></td><td colspan="2" style="padding:2px 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%">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%">2,560</span></td><td colspan="2" style="padding:2px 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%">3.13&#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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">119,105</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-weight:400;line-height:120%">7,120</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%">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%">109,066</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:9pt;font-weight:400;line-height:120%">4,962</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.55&#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><td colspan="3" style="padding:2px 1pt;text-align: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%">2,280</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.18&#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%">41,068</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%">584</span></td><td colspan="2" style="padding:2px 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%">1.42&#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-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%">40,880</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:9pt;font-style:italic;font-weight:400;line-height:120%">464</span></td><td colspan="2" style="padding:2px 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%">1.13&#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%">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></tr><tr><td colspan="3" style="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%">78,037</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-style:italic;font-weight:400;line-height:120%">6,536</span></td><td colspan="2" style="padding:2px 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%">8.38&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">68,187</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%">4,498</span></td><td colspan="2" style="padding:2px 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%">6.60&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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%">2,191</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%">3.44&#160;</span></td><td style="padding:2px 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%">2,422</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;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-weight:400;line-height:120%">9.40&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,494</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.97&#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><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="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%">2,066</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:9pt;font-style:italic;font-weight:400;line-height:120%">81</span></td><td colspan="2" style="padding:2px 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%">3.91&#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%">2,217</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%">100</span></td><td colspan="2" style="padding:2px 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%">4.51&#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-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%">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></tr><tr><td colspan="3" style="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%">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-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%">41.32&#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%">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-style:italic;font-weight:400;line-height:120%">74</span></td><td colspan="2" style="padding:2px 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%">26.63&#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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">52,949</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%">3,631</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.86&#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-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%">57,793</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%">1,948</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.37&#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-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%">57,580</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%">1,830</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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%">31,359</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,041</span></td><td colspan="2" style="padding:2px 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%">3.32&#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%">34,796</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-style:italic;font-weight:400;line-height:120%">844</span></td><td colspan="2" style="padding:2px 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%">2.43&#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-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%">37,423</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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="2" style="padding:2px 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></tr><tr><td colspan="3" style="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%">21,590</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-style:italic;font-weight:400;line-height:120%">2,591</span></td><td colspan="2" style="padding:2px 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%">12.00&#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%">22,997</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-style:italic;font-weight:400;line-height:120%">1,104</span></td><td colspan="2" style="padding:2px 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%">4.80&#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%">20,156</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-style:italic;font-weight:400;line-height:120%">1,706</span></td><td colspan="2" style="padding:2px 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%">8.46&#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></tr><tr><td colspan="3" style="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%">93,197</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: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="padding:2px 1pt;text-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%">85,242</span></td><td colspan="3" style="padding:2px 1pt;text-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%">79,761</span></td><td colspan="3" style="background-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 42.63% of the total average liabilities for the year ended December 31, 2024, 40.05% for the year ended December 31, 2023 and 37.39% for the year ended December 31, 2022.</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></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024 compared with the year ended December 31, 2023, and the year ended December 31, 2023 compared with the year ended December 31, 2022. 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%">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><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:37.420%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.394%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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%">2024/2023</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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 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 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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">(445)</span></td><td colspan="3" style="background-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%">247</span></td><td colspan="3" style="background-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%">(198)</span></td></tr><tr><td colspan="3" style="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%">(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-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%">(422)</span></td></tr><tr><td colspan="3" style="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%">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%">171</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">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%">794</span></td></tr><tr><td colspan="3" style="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%">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%">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-style:italic;font-weight:400;line-height:120%">609</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;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:'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;text-align: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%">(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:120%">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%">318</span></td></tr><tr><td colspan="3" style="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%">(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-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%">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-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%">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-style:italic;font-weight:400;line-height:120%">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%">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:'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%">3,207</span></td><td colspan="3" style="background-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%">8,839</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%">12,046</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;font-weight:400;line-height:120%">679</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,363</span></td></tr><tr><td colspan="3" style="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%">2,612</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-style:italic;font-weight:400;line-height:120%">8,071</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">10,683</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%">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:9pt;font-weight:400;line-height:120%">531</span></td><td colspan="3" style="background-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%">892</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%">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-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%">348</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%">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%">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:9pt;font-style:italic;font-weight:400;line-height:120%">544</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%">2,424</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%">8,731</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%">11,155</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%">177</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,368</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,545</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%">(1)</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%">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%">1,366</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-style:italic;font-weight:400;line-height:120%">1,545</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%">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%">(263)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">117</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%">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%">(292)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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></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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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%">28</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%">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%">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%">103</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%">(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%">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%">56</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%">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%">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%">48</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%">140</span></td><td colspan="3" style="padding:2px 1pt;text-align: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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">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: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%">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%">36</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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">242</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%">769</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,045</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,814</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%">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-style:italic;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:9pt;font-style:italic;font-weight:400;line-height:120%">383</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%">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%">270</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%">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:120%">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:9pt;font-weight:400;line-height:120%">112</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%">1,127</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%">2,304</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%">3,431</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%">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%">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%">405</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%">1,078</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%">1,948</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%">3,026</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%">955</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,343</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%">5,298</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%">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-style:italic;font-weight:400;line-height:120%">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%">453</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%">1,147</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-style:italic;font-weight:400;line-height:120%">3,699</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-style:italic;font-weight:400;line-height:120%">4,846</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(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%">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-weight:400;line-height:120%">850</span></td></tr><tr><td colspan="3" style="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%">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%">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-style:italic;font-weight:400;line-height:120%">549</span></td></tr><tr><td colspan="3" style="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%">(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%">481</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">300</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%">1,888</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-weight:700;line-height:120%">11,921</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">13,809</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%">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;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:37.420%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.394%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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%">2024/2023</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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 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 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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%">(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%">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%">680</span></td></tr><tr><td colspan="3" style="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%">(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%">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-style:italic;font-weight:400;line-height:120%">442</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;font-weight:400;line-height:120%">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-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: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%">1,070</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:400;line-height:120%">8,143</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-weight:400;line-height:120%">9,214</span></td></tr><tr><td colspan="3" style="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%">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%">867</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">906</span></td></tr><tr><td colspan="3" style="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%">1,706</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-style:italic;font-weight:400;line-height:120%">6,601</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-style:italic;font-weight:400;line-height:120%">8,307</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">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%">766</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">368</span></td></tr><tr><td colspan="3" style="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%">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-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%">398</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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-weight:400;line-height:120%">7,668</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%">8,448</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(534)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">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-weight:400;line-height:120%">(309)</span></td></tr><tr><td colspan="3" style="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%">(298)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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;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%">(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: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%">(108)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(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%">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%">498</span></td></tr><tr><td colspan="3" style="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%">(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-style:italic;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-style:italic;font-weight:400;line-height:120%">(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-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%">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-style:italic;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:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">673</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">62</span></td><td colspan="3" style="padding:2px 1pt;text-align: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-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%">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-style:italic;font-weight:400;line-height:120%">361</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">655</span></td></tr><tr><td colspan="3" style="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%">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%">(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%">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: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%">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%">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:9pt;font-weight:400;line-height:120%">331</span></td></tr><tr><td colspan="3" style="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%">(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-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%">(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%">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-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%">422</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">141</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,907</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%">5,048</span></td></tr><tr><td colspan="3" style="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%">233</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">231</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;font-weight:400;line-height:120%">4,430</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%">4,817</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">1,701</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%">2,158</span></td></tr><tr><td colspan="3" style="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%">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%">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%">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%">1,388</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,038</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(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%">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%">54</span></td></tr><tr><td colspan="3" style="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%">(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%">(19)</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;font-weight:400;line-height:120%">73</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(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%">1,847</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-weight:400;line-height:120%">1,684</span></td></tr><tr><td colspan="3" style="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%">(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%">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%">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-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%">(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-style:italic;font-weight:400;line-height:120%">1,555</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,487</span></td></tr><tr><td colspan="3" style="padding: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%">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%">10,654</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:700;line-height:120%">11,631</span></td></tr><tr><td colspan="3" style="padding: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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,178</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%">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="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 style="width:37.420%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.394%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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%">2023/2022</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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 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 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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">(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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,765</span></td><td colspan="3" style="background-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%">1,760</span></td></tr><tr><td colspan="3" style="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%">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%">1,197</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%">1,203</span></td></tr><tr><td colspan="3" style="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%">589</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">557</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">2,270</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%">2,788</span></td></tr><tr><td colspan="3" style="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%">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%">1,833</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-style:italic;font-weight:400;line-height:120%">1,976</span></td></tr><tr><td colspan="3" style="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%">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%">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-style:italic;font-weight:400;line-height:120%">812</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(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%">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:120%">(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-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%">(110)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;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-style:italic;font-weight:400;line-height:120%">96</span></td></tr><tr><td colspan="3" style="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%">171</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;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:'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%">2,217</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-weight:400;line-height:120%">10,045</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12,263</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;font-weight:400;line-height:120%">4,268</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-style:italic;font-weight:400;line-height:120%">4,410</span></td></tr><tr><td colspan="3" style="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%">3,030</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-style:italic;font-weight:400;line-height:120%">4,823</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-style:italic;font-weight:400;line-height:120%">7,853</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%">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%">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-weight:400;line-height:120%">696</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%">81</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">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%">509</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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">187</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%">1,571</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-weight:400;line-height:120%">9,995</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11,567</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%">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%">353</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">356</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%">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></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%">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%">351</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">355</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%">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%">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:400;line-height:120%">790</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%">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:9pt;font-style:italic;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-style:italic;font-weight:400;line-height:120%">698</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%">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%">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-style:italic;font-weight:400;line-height:120%">92</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%">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%">545</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></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%">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%">171</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">177</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%">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%">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-style:italic;font-weight:400;line-height:120%">445</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%">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%">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%">534</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%">(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%">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-style:italic;font-weight:400;line-height:120%">266</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%">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%">188</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">268</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%">781</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,241</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,022</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%">(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%">1,553</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,524</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%">(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:120%">1,412</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,401</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%">(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%">141</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></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%">1,863</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">635</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,498</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%">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%">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:400;line-height:120%">575</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%">1,608</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%">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:400;line-height:120%">1,923</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%">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%">4,707</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,243</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%">1,236</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-style:italic;font-weight:400;line-height:120%">1,236</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%">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-style:italic;font-weight:400;line-height:120%">3,231</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">4,008</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(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:120%">(158)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="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%">(416)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">(425)</span></td></tr><tr><td colspan="3" style="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%">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%">242</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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></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%">2,124</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%">14,294</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:700;line-height:120%">16,418</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%">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: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 style="width:37.420%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.394%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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%">2023/2022</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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 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 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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%">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:9pt;font-weight:400;line-height:120%">2,034</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:9pt;font-weight:400;line-height:120%">2,396</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-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%">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%">1,648</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%">1,773</span></td></tr><tr><td colspan="3" style="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%">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%">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%">623</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">9,467</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%">9,881</span></td></tr><tr><td colspan="3" style="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%">(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%">3,627</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%">3,607</span></td></tr><tr><td colspan="3" style="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%">1,038</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-style:italic;font-weight:400;line-height:120%">5,236</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-style:italic;font-weight:400;line-height:120%">6,274</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">464</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">667</span></td></tr><tr><td colspan="3" style="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%">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%">437</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">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-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%">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-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%">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%">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%">8,945</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%">9,213</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(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%">1,248</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%">973</span></td></tr><tr><td colspan="3" style="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%">(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%">547</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">461</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;font-weight:400;line-height:120%">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%">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: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%">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:400;line-height:120%">1,028</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-weight:400;line-height:120%">1,520</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-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%">235</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">1,101</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%">1,336</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-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%">(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%">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-style:italic;font-weight:400;line-height:120%">184</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">111</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="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%">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-style:italic;font-weight:400;line-height:120%">261</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;font-weight:400;line-height:120%">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:9pt;font-style:italic;font-weight:400;line-height:120%">146</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">703</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">870</span></td></tr><tr><td colspan="3" style="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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">483</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">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-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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">370</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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-weight:400;line-height:120%">2,649</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%">2,762</span></td></tr><tr><td colspan="3" style="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%">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-style:italic;font-weight:400;line-height:120%">155</span></td></tr><tr><td colspan="3" style="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%">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%">2,271</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-style:italic;font-weight:400;line-height:120%">2,608</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">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:400;line-height:120%">2,581</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%">2,681</span></td></tr><tr><td colspan="3" style="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%">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%">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-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%">155</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,152</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">2,307</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(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%">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%">58</span></td></tr><tr><td colspan="3" style="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%">(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%">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-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%">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%">(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-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-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%">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%">111</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="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%">(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%">729</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">720</span></td></tr><tr><td colspan="3" style="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%">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%">(842)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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></tr><tr><td colspan="3" style="padding: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%">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:700;line-height:120%">11,621</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:700;line-height:120%">12,452</span></td></tr><tr><td colspan="3" style="padding: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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,966</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%">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: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 style="width:37.420%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.394%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">716,824</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%">694,361</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%">646,511</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: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%">8.6%</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%">6.9%</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%">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: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%">3.5%</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%">3.3%</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%">3.0%</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%">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%">5.3%</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%">3.7%</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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">3.3%</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%">3.2%</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%">2.9%</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">&#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%">73</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_133"></div><hr style="page-break-after:always"/><div style="min-height: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 id="i22a2e436ff7c462c96898906283f922e_136"></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, 2024, interbank deposits (excluding deposits with central banks) (which are recorded under &#8220;Loans and advances to credit institutions&#8221; in the &#8220;Financial assets held for trading&#8221;, &#8220;Financial assets at amortized cost&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221; portfolios), represented 5.7% of our total assets (compared to 9.6% of our total assets as of December 31, 2023). Of such interbank deposits, 12.7% were held outside of Spain and 87.3% 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 that such banks 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="i22a2e436ff7c462c96898906283f922e_139"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024, our total securities portfolio (consisting of investment securities and loans and advances recorded under &#8220;Financial assets held for trading&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221; portfolios) was carried on our consolidated balance sheet at a carrying amount (equivalent to its market or appraised value as of such date) of &#8364;131,947 million, representing 17.1% of our total assets, 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%">21.9% decrease compared to our total securities portfolio as of December 31, 2023, mainly as a result of the decrease in loans to credit institutions (through reverse repurchase agreements) in Spain. &#8364;14,635 million, or 11.1%, of our securities portfolio as of December 31, 2024 consisted of Spanish Treasury bonds and Treasury bills. The average yield during 2024 on the investment securities that BBVA held was 7.2%, compared with an average yield of approximately 5.5% earned on loans and advances in the portfolios &#8220;Financial assets held for trading&#8221; and &#8220;Financial assets at fair value through other comprehensive income&#8221; during 2024. See Notes 10 and 13 to the 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 tables in Note 8.1 and the first table in Note 13.3 to the Consolidated Financial Statements set forth the fair value and the book value of our debt securities and equity instruments recorded under &#8220;Financial assets at fair value through other comprehensive income&#8221; as of December 31, 2024, 2023 and 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%">Notes 8.2 and 14.2 to the Consolidated Financial Statements set forth the fair value and the book value of our debt securities recorded under &#8220;Financial assets at amortized cost&#8221; as of December 31, 2024, 2023 and 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%">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 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%">The second table in Note 13.3 to the Consolidated Financial Statements shows the fair value of debt securities recorded, as of December 31, 2024, 2023 and 2022, under &#8220;Financial assets at fair value through other comprehensive income&#8221; by rating categories. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 the Consolidated Financial Statements shows the fair value of debt securities recorded, as of December 31, 2024, 2023 and 2022, under &#8220;Financial assets at amortized cost&#8221;, by rating categories.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 the Consolidated Financial Statements. For a discussion of the manner in which we value our securities, see Notes 2.2.1 and 8 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%">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, 2024.</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: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:32.336%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.304%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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 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 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"/><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:'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 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"/><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:'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 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"/><td colspan="3" style="padding:0 1pt"/></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%">1,216</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:8pt;font-weight:400;line-height:120%">3.96</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:8pt;font-weight:400;line-height:120%">3,859</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:8pt;font-weight:400;line-height:120%">3.65</span></td><td colspan="3" style="padding: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%">3,136</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:8pt;font-weight:400;line-height:120%">1.10</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%">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:8pt;font-weight:400;line-height:120%">3.34</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%">10,383</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%">494</span></td><td colspan="3" style="padding: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%">2.28</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:8pt;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:8pt;font-weight:400;line-height:120%">3.52</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%">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:8pt;font-weight:400;line-height:120%">4.04</span></td><td colspan="3" style="padding: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%">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%">4.55</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%">1,092</span></td></tr><tr><td colspan="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%">1,709</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:8pt;font-weight:700;line-height:120%">3.47</span></td><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%">4,170</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%">3.64</span></td><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%">3,375</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:8pt;font-weight:700;line-height:120%">1.31</span></td><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%">2,221</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:8pt;font-weight:700;line-height:120%">3.37</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%">11,475</span></td></tr><tr><td colspan="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: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="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:400;line-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="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:400;line-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="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:400;line-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="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: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%">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%">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%">8.39</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%">10,492</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:8pt;font-weight:400;line-height:120%">5.48</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%">2,122</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:8pt;font-weight:400;line-height:120%">4.32</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:8pt;font-weight:400;line-height:120%">5,696</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:8pt;font-weight:400;line-height:120%">4.59</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%">20,461</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%">2,024</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:8pt;font-weight:400;line-height:120%">8.55</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%">10,205</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:8pt;font-weight:400;line-height:120%">5.50</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%">1,712</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:8pt;font-weight:400;line-height:120%">4.13</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%">5,371</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:8pt;font-weight:400;line-height:120%">4.63</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:8pt;font-weight:400;line-height:120%">19,313</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%">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:8pt;font-weight:400;line-height:120%">5.79</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%">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:8pt;font-weight:400;line-height:120%">4.93</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%">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:8pt;font-weight:400;line-height:120%">5.13</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%">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: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%">1,148</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%">2,575</span></td><td colspan="3" style="padding: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%">3.66</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%">1,679</span></td><td colspan="3" style="padding: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%">3.32</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:8pt;font-weight:400;line-height:120%">1,831</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: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%">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: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%">6,552</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%">2,252</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:8pt;font-weight:400;line-height:120%">3.73</span></td><td colspan="3" style="padding: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%">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:8pt;font-weight:400;line-height:120%">3.25</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:8pt;font-weight:400;line-height:120%">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:8pt;font-weight:400;line-height:120%">1.32</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: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%">3,703</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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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%">323</span></td><td colspan="3" style="padding: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%">3.13</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%">1,019</span></td><td colspan="3" style="padding: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%">3.37</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%">1,040</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:8pt;font-weight:400;line-height:120%">3.34</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%">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: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%">2,849</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%">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%">37.22</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:8pt;font-weight:400;line-height:120%">1,396</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:8pt;font-weight:400;line-height:120%">31.96</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:8pt;font-weight:400;line-height:120%">1,086</span></td><td colspan="3" style="padding: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%">23.67</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%">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%">7.26</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:8pt;font-weight:400;line-height:120%">2,849</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%">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:8pt;font-weight:400;line-height:120%">37.28</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:8pt;font-weight:400;line-height:120%">1,396</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:8pt;font-weight:400;line-height:120%">31.96</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:8pt;font-weight:400;line-height:120%">1,086</span></td><td colspan="3" style="padding: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%">23.67</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%">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%">7.26</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:8pt;font-weight:400;line-height:120%">2,837</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%">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%">35.68</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: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%">12</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%">4,747</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:8pt;font-weight:400;line-height:120%">23.75</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%">4,385</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:8pt;font-weight:400;line-height:120%">11.40</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%">5,276</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:8pt;font-weight:400;line-height:120%">2.84</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%">1,782</span></td><td colspan="3" style="padding: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%">4.19</span></td><td colspan="3" style="padding: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%">16,190</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%">3,246</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:8pt;font-weight:400;line-height:120%">32.88</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%">1,921</span></td><td colspan="3" style="padding: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%">20.61</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:8pt;font-weight:400;line-height:120%">4,040</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:8pt;font-weight:400;line-height:120%">2.52</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%">851</span></td><td colspan="3" style="padding: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%">3.50</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%">10,059</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%">1,501</span></td><td colspan="3" style="padding: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%">4.01</span></td><td colspan="3" style="padding: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%">2,463</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:8pt;font-weight:400;line-height:120%">4.21</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:8pt;font-weight:400;line-height:120%">1,236</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:400;line-height:120%">3.91</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%">931</span></td><td colspan="3" style="padding: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%">4.82</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%">6,131</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%">9,816</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:8pt;font-weight:700;line-height:120%">15.59</span></td><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%">17,952</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:8pt;font-weight:700;line-height:120%">8.78</span></td><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%">10,315</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:8pt;font-weight:700;line-height:120%">5.28</span></td><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%">7,969</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:700;line-height:120%">4.43</span></td><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%">46,052</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%">11,525</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:8pt;font-weight:700;line-height:120%">13.79</span></td><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%">22,121</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:8pt;font-weight:700;line-height:120%">7.81</span></td><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%">13,690</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:8pt;font-weight:700;line-height:120%">4.30</span></td><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%">10,190</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:700;line-height:120%">4.20</span></td><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%">57,526</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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #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:'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 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"/><td colspan="3" style="padding:0 1pt"/></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%">1,864</span></td><td colspan="3" style="padding: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%">2.61</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:8pt;font-weight:400;line-height:120%">21,416</span></td><td colspan="3" style="padding: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%">2.33</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%">12,175</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:8pt;font-weight:400;line-height:120%">1.30</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%">209</span></td><td colspan="3" style="padding: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%">2.35</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:8pt;font-weight:400;line-height:120%">35,664</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%">1,298</span></td><td colspan="3" style="padding: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%">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:8pt;font-weight:400;line-height:120%">3.63</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:8pt;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: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%">1,465</span></td></tr><tr><td colspan="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%">1,864</span></td><td colspan="3" style="padding: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%">2.61</span></td><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%">22,715</span></td><td colspan="3" style="padding: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%">2.36</span></td><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%">12,318</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:8pt;font-weight:700;line-height:120%">1.33</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:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;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:'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 #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%">37,130</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:8pt;font-weight:700;line-height:120%">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%">&#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:700;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:'Times New Roman',sans-serif;font-size:8pt;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:8pt;font-weight:700;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:'Times New Roman',sans-serif;font-size:8pt;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:8pt;font-weight:700;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:'Times New Roman',sans-serif;font-size:8pt;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:8pt;font-weight:700;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:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;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%">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%">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:8pt;font-weight:400;line-height:120%">5.36</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:8pt;font-weight:400;line-height:120%">3,082</span></td><td colspan="3" style="padding: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%">4.83</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%">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: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%">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%">4.50</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%">4,139</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%">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:8pt;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:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,082</span></td><td colspan="3" style="padding: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%">4.83</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%">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: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%">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%">4.50</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%">4,076</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%">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%">10.45</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%">&#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%">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%">9.45</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%">&#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%">63</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%">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: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%">2,280</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: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%">&#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%">2,505</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%">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:8pt;font-weight:400;line-height:120%">4.49</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:8pt;font-weight:400;line-height:120%">2,248</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:8pt;font-weight:400;line-height:120%">4.31</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: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%">2,463</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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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%">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%">1.04</span></td><td colspan="3" style="padding: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</span></td><td colspan="3" style="padding: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%">5.37</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%">&#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%">42</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%">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:8pt;font-weight:400;line-height:120%">30.16</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%">3,826</span></td><td colspan="3" style="padding: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%">24.88</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%">1,979</span></td><td colspan="3" style="padding: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%">32.29</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%">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:8pt;font-weight:400;line-height:120%">6.86</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:8pt;font-weight:400;line-height:120%">6,743</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%">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%">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:400;line-height:120%">27.24</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%">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:8pt;font-weight:400;line-height:120%">24.57</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%">1,979</span></td><td colspan="3" style="padding: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%">32.29</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%">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:8pt;font-weight:400;line-height:120%">6.86</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:8pt;font-weight:400;line-height:120%">6,607</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%">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:8pt;font-weight:400;line-height:120%">44.36</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:8pt;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:8pt;font-weight:400;line-height:120%">55.27</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%">&#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%">135</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%">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:8pt;font-weight:400;line-height:120%">7.08</span></td><td colspan="3" style="padding: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%">4,331</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:8pt;font-weight:400;line-height:120%">2.45</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%">1,872</span></td><td colspan="3" style="padding: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%">2.04</span></td><td colspan="3" style="padding: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%">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%">4.26</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:8pt;font-weight:400;line-height:120%">8,498</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%">1,730</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:8pt;font-weight:400;line-height:120%">7.95</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%">2,411</span></td><td colspan="3" style="padding: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%">2.31</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:8pt;font-weight:400;line-height:120%">1,839</span></td><td colspan="3" style="padding: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%">1.98</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%">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%">3.65</span></td><td colspan="3" style="padding: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%">5,996</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%">538</span></td><td colspan="3" style="padding: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%">4.31</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:8pt;font-weight:400;line-height:120%">1,920</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:8pt;font-weight:400;line-height:120%">2.61</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:8pt;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:8pt;font-weight:400;line-height:120%">5.19</span></td><td colspan="3" style="padding: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</span></td><td colspan="3" style="padding: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%">5.10</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%">2,502</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: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%">3,406</span></td><td colspan="3" style="padding: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%">10.54</span></td><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%">13,519</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:8pt;font-weight:700;line-height:120%">9.66</span></td><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%">4,547</span></td><td colspan="3" style="padding: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%">15.33</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:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;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:8pt;font-weight:700;line-height:120%">6.63</span></td><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%">21,884</span></td></tr><tr><td colspan="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%">5,269</span></td><td colspan="3" style="padding: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%">7.74</span></td><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%">36,234</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:8pt;font-weight:700;line-height:120%">5.08</span></td><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%">16,865</span></td><td colspan="3" style="padding: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%">5.10</span></td><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%">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:700;line-height:120%">5.12</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:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59,014</span></td></tr><tr><td colspan="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%">16,795</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:8pt;font-weight:700;line-height:120%">11.89</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%">58,355</span></td><td colspan="3" style="padding: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%">6.12</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%">30,555</span></td><td colspan="3" style="padding: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%">4.74</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%">10,836</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:8pt;font-weight:700;line-height:120%">4.25</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%">116,540</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%">75</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_142"></div><hr style="page-break-after:always"/><div style="min-height: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, 2024 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%">6,869</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 1.6% 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, 2024, 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 the 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, 2024, our total loans and advances to customers amounted to &#8364;441,142 million, or 57.1% of total assets. Net of our loss allowances, total loans and advances to customers amounted to &#8364;429,532 million as of December 31, 2024, or 55.6% 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 50.6% </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, 2023. As of December 31, 2024 our total loans and advances to customers in Spain amounted to &#8364;174,854 million, up from &#8364;169,140 million as of December 31, 2023, mainly due to the increases in the wholesale portfolio, in particular, loans to enterprises. Our total loans and advances to customers outside Spain amounted to &#8364;266,288 million as of December 31, 2024, up from &#8364;234,244 million as of December 31, 2023, mainly as a result of increased activity in the branches located in New York and Europe, the increase in Turkish lira-denominated credit card loans and consumer loans in Turkey, the increase in commercial loans and, to a lesser extent, credit card loans in Argentina, partially offset by the depreciation of the Turkish lira and 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:400;line-height:120%">Loans by Geographical Area</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%">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 style="width:37.420%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.394%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">174,854</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:700;line-height:120%">169,140</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">170,256</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-weight:700;line-height:120%">Foreign</span></td><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 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%">41,907</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%">36,978</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-weight:400;line-height:120%">37,112</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%">93,016</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">92,802</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">74,771</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%">45,314</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%">34,876</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></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%">54,544</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%">48,150</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%">44,018</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%">31,507</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%">21,439</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%">22,084</span></td></tr><tr><td colspan="3" style="padding: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%">266,288</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:700;line-height:120%">234,244</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">213,710</span></td></tr><tr><td colspan="3" style="padding: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%">441,142</span></td><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%">403,384</span></td><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%">383,965</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%">(11,611)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(11,269)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="padding: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%">429,532</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%">392,115</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%">372,728</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, in part, 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, 2024, our total loans and advances to credit institutions and central banks amounted to &#8364;52,428 million, or 6.8% of total assets (compared to &#8364;84,061 million, or 10.8% of total assets as of December 31, 2023), of which total loans and advances to credit institutions and central banks at amortized cost amounted to &#8364;30,909 million, or 4.0% of total assets. Loans and advances to credit institutions as of December 31, 2024 decreased by 41.1% compared to December 31, 2023, mainly as a result of the decrease in loans to credit institutions (through reverse repurchase agreements) in Spain, due to the offsetting of certain financial assets and liabilities, for presentation purposes, in application of IAS 32 in 2024 (see Note 7.4.2 to the Consolidated Financial Statements).</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;12,001 million, or 2.8% of our total loans and advances to customers as of December 31, 2024, compared with the &#8364;12,222 million, or 3.1% of our total loans and advances to customers as of December 31, 2023. This does not include loans to companies controlled by the Spanish government.</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: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, 2024, total loans and advances by BBVA and its subsidiaries to associates and jointly controlled companies amounted to &#8364;639 million, a 19.2% decrease compared with &#8364;791 million as of December 31, 2023, mainly due to the sale, during 2024, of certain jointly-controlled entities located in 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%">77</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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, 2024. 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 style="width:34.868%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.047%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.047%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.047%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.047%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.047%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.047%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.050%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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 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 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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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 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 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%">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%">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%">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:8.5pt;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:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">1,447</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:8.5pt;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-weight:400;line-height:120%">343</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%">8,049</span></td><td colspan="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%">7,152</span></td><td colspan="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%">1,289</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:8.5pt;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:8.5pt;font-weight:400;line-height:120%">16,629</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:8.5pt;font-weight:400;line-height:120%">3,575</span></td><td colspan="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%">5,004</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%">6,793</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">5,157</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:8.5pt;font-style:italic;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:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;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:8.5pt;font-style:italic;font-weight:400;line-height:120%">12,906</span></td><td colspan="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%">3,159</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">2,954</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%">1,922</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:8.5pt;font-weight:400;line-height:120%">1,792</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:8.5pt;font-weight:400;line-height:120%">1,124</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:8.5pt;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:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">4,964</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:8.5pt;font-weight:400;line-height:120%">763</span></td><td colspan="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%">2,279</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%">9,721</span></td><td colspan="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%">7,661</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:8.5pt;font-weight:400;line-height:120%">2,518</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:8.5pt;font-weight:400;line-height:120%">269</span></td><td colspan="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%">20,169</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:8.5pt;font-weight:400;line-height:120%">5,216</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:8.5pt;font-weight:400;line-height:120%">5,232</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%">1,244</span></td><td colspan="3" style="background-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%">651</span></td><td colspan="3" style="background-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%">151</span></td><td colspan="3" style="background-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%">2,056</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:8.5pt;font-weight:400;line-height:120%">235</span></td><td colspan="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%">576</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%">2,726</span></td><td colspan="3" style="background-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%">4,500</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">752</span></td><td colspan="3" style="background-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%">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:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">8,201</span></td><td colspan="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%">1,785</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:8.5pt;font-weight:400;line-height:120%">3,690</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%">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-weight:400;line-height:120%">2,315</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-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:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">72</span></td><td colspan="3" style="background-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%">4,327</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:8.5pt;font-weight:400;line-height:120%">1,496</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:8.5pt;font-weight:400;line-height:120%">2,129</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%">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:8.5pt;font-weight:400;line-height:120%">1,931</span></td><td colspan="3" style="background-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%">490</span></td><td colspan="3" style="background-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%">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:8.5pt;font-weight:400;line-height:120%">4,608</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:8.5pt;font-weight:400;line-height:120%">1,138</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%">1,349</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%">3,455</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%">4,835</span></td><td colspan="3" style="background-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%">4,884</span></td><td colspan="3" style="background-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%">65</span></td><td colspan="3" style="background-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%">13,238</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%">5,205</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:8.5pt;font-weight:400;line-height:120%">4,578</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: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%">13,111</span></td><td colspan="3" style="background-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%">23,819</span></td><td colspan="3" style="background-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%">35,264</span></td><td colspan="3" style="background-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%">25,466</span></td><td colspan="3" style="background-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%">97,661</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:8.5pt;font-weight:400;line-height:120%">47,372</span></td><td colspan="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%">37,178</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 colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 25pt 0 1pt"/></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%">12,528</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">23,378</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">35,153</span></td><td colspan="3" style="background-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%">25,458</span></td><td colspan="3" style="background-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%">96,517</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">46,997</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">36,992</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%">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:8.5pt;font-style:italic;font-weight:400;line-height:120%">13,442</span></td><td colspan="3" style="background-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%">29,777</span></td><td colspan="3" style="background-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%">25,147</span></td><td colspan="3" style="background-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%">71,895</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">32,635</span></td><td colspan="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%">35,732</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%">5,421</span></td><td colspan="3" style="background-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%">7,666</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-style:italic;font-weight:400;line-height:120%">4,122</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="background-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%">17,252</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">11,642</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">188</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%">3,579</span></td><td colspan="3" style="background-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%">2,269</span></td><td colspan="3" style="background-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%">1,254</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%">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-style:italic;font-weight:400;line-height:120%">7,371</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">2,720</span></td><td colspan="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%">1,071</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%">43,657</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%">55,299</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%">47,894</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%">26,449</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%">173,299</span></td><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%">67,284</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:8.5pt;font-weight:700;line-height:120%">62,359</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 colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 19pt 0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 19pt 0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 19pt 0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/></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%">1,737</span></td><td colspan="3" style="background-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%">999</span></td><td colspan="3" style="background-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%">621</span></td><td colspan="3" style="background-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</span></td><td colspan="3" style="background-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%">3,381</span></td><td colspan="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%">1,236</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-weight:400;line-height:120%">409</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%">29,475</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%">22,140</span></td><td colspan="3" style="background-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%">4,337</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-weight:400;line-height:120%">368</span></td><td colspan="3" style="background-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%">56,320</span></td><td colspan="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%">7,917</span></td><td colspan="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%">18,927</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%">20,612</span></td><td colspan="3" style="background-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%">13,676</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">2,032</span></td><td colspan="3" style="background-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%">134</span></td><td colspan="3" style="background-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%">36,454</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">5,860</span></td><td colspan="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%">9,982</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%">2,734</span></td><td colspan="3" style="background-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%">2,201</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%">626</span></td><td colspan="3" style="background-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</span></td><td colspan="3" style="background-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%">5,578</span></td><td colspan="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%">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:8.5pt;font-weight:400;line-height:120%">2,098</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%">18,907</span></td><td colspan="3" style="background-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%">13,427</span></td><td colspan="3" style="background-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%">4,828</span></td><td colspan="3" style="background-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%">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:8.5pt;font-weight:400;line-height:120%">37,299</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:8.5pt;font-weight:400;line-height:120%">9,338</span></td><td colspan="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%">9,054</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%">3,814</span></td><td colspan="3" style="background-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%">4,193</span></td><td colspan="3" style="background-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%">72</span></td><td colspan="3" style="background-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%">43</span></td><td colspan="3" style="background-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%">8,122</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:8.5pt;font-weight:400;line-height:120%">1,167</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:8.5pt;font-weight:400;line-height:120%">3,141</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%">12,216</span></td><td colspan="3" style="background-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%">7,020</span></td><td colspan="3" style="background-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%">832</span></td><td colspan="3" style="background-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%">153</span></td><td colspan="3" style="background-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%">20,221</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:8.5pt;font-weight:400;line-height:120%">2,073</span></td><td colspan="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%">5,932</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%">1,648</span></td><td colspan="3" style="background-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%">3,783</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:8.5pt;font-weight:400;line-height:120%">1,901</span></td><td colspan="3" style="background-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%">7,333</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:8.5pt;font-weight:400;line-height:120%">1,409</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%">4,276</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%">2,022</span></td><td colspan="3" style="background-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%">2,486</span></td><td colspan="3" style="background-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%">579</span></td><td colspan="3" style="background-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</span></td><td colspan="3" style="background-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%">5,090</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:8.5pt;font-weight:400;line-height:120%">1,286</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:8.5pt;font-weight:400;line-height:120%">1,782</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%">1,844</span></td><td colspan="3" style="background-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%">2,450</span></td><td colspan="3" style="background-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%">5,413</span></td><td colspan="3" style="background-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%">2,452</span></td><td colspan="3" style="background-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%">12,160</span></td><td colspan="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%">2,101</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:8.5pt;font-weight:400;line-height:120%">8,214</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%">25,426</span></td><td colspan="3" style="background-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%">34,628</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%">18,273</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:8.5pt;font-weight:400;line-height:120%">16,958</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:8.5pt;font-weight:400;line-height:120%">95,285</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:8.5pt;font-weight:400;line-height:120%">58,200</span></td><td colspan="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%">11,660</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 colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 19pt 0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 25pt 0 1pt"/></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%">21,420</span></td><td colspan="3" style="background-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%">34,308</span></td><td colspan="3" style="background-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%">18,007</span></td><td colspan="3" style="background-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%">16,658</span></td><td colspan="3" style="background-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%">90,393</span></td><td colspan="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%">57,426</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">11,547</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%">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:8.5pt;font-style:italic;font-weight:400;line-height:120%">1,830</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-style:italic;font-weight:400;line-height:120%">12,002</span></td><td colspan="3" style="background-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%">14,358</span></td><td colspan="3" style="background-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%">28,323</span></td><td colspan="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%">26,840</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">1,351</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%">18,283</span></td><td colspan="3" style="background-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%">29,106</span></td><td colspan="3" style="background-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%">5,545</span></td><td colspan="3" style="background-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%">2,135</span></td><td colspan="3" style="background-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%">55,069</span></td><td colspan="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%">27,266</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:8.5pt;font-style:italic;font-weight:400;line-height:120%">9,520</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%">3,005</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:120%">3,371</span></td><td colspan="3" style="background-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%">460</span></td><td colspan="3" style="background-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%">165</span></td><td colspan="3" style="background-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%">7,001</span></td><td colspan="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%">3,320</span></td><td colspan="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%">676</span></td></tr><tr><td colspan="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%">99,823</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%">93,326</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%">37,483</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%">20,156</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%">250,788</span></td><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%">85,473</span></td><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%">65,493</span></td></tr><tr><td colspan="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%">143,479</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%">148,626</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%">85,377</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%">46,606</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%">424,087</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%">152,757</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%">127,851</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%">78</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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%">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 the 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 style="width:49.439%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.389%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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:'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%">2.56</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%">2.75</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="2" style="padding:2px 0 2px 1pt;text-align: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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">11,630</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%">11,356</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%">11,291</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%">4,495</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-style:italic;font-weight:400;line-height:120%">4,373</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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></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%">7,135</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%">6,983</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-style:italic;font-weight:400;line-height:120%">6,648</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">455,016</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">412,916</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">389,073</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%">197,937</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">186,938</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:9pt;font-style:italic;font-weight:400;line-height:120%">186,583</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%">257,079</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">225,978</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%">202,491</span></td></tr><tr><td colspan="3" style="padding: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 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:'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%">0.18</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%">0.26</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%">0.26</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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">0.18&#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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.37&#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-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%">0.30&#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%">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%">177</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">334</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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 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%">95,956</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-style:italic;font-weight:400;line-height:120%">90,520</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-style:italic;font-weight:400;line-height:120%">87,524</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">0.26&#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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.24&#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="2" style="padding:2px 0 2px 1pt;text-align: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></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%">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-style:italic;font-weight:400;line-height:120%">226</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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></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%">94,984</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">93,737</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">95,356</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">0.01&#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="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="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="padding: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%">1.72</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%">1.70</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%">1.20</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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">0.49&#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><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.52&#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><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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></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%">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-style:italic;font-weight:400;line-height:120%">391</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align: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></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%">80,645</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-style:italic;font-weight:400;line-height:120%">75,530</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-style:italic;font-weight:400;line-height:120%">69,906</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">3.52&#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><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.49&#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><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.38&#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 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%">2,793</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-style:italic;font-weight:400;line-height:120%">2,520</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-style:italic;font-weight:400;line-height:120%">1,424</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%">79,325</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-style:italic;font-weight:400;line-height:120%">72,204</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-style:italic;font-weight:400;line-height:120%">59,795</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="padding: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%">0.87</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%">0.89</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%">0.65</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 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%">3,612</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-style:italic;font-weight:700;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:9pt;font-style:italic;font-weight:700;line-height:120%">2,369</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%">416,861</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:9pt;font-style:italic;font-weight:700;line-height:120%">389,605</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-style:italic;font-weight:700;line-height:120%">364,773</span></td></tr></table><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> </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) Domestic loans charged off in 2024, 2023 and 2022 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 decreased to 0.87% for the year ended December 31, 2024, compared with 0.89% for the year ended December 31, 2023 mainly as a result of decreases in charge-offs in Spain. The decrease was partially offset by an increase in charge-offs in Colombia, Peru and 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 following factors, set out by region, were the main contributors to the decrease in the 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-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 an increase in the size of the retail portfolio, in a context of growing lending activity, which exceeded the increase in the amount of 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">Spain: there was a decrease in the ratio mainly as a result of the increases in the wholesale portfolio, in particular, loans to enterprises and, to a lesser extent, the decrease in charge-offs. </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:400;line-height:120%">The decrease in the total net charge-offs to average loans ratio 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:8pt;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:15.2pt">South America: there was an increase in the ratio due to an increase in charge-offs in the retail portfolios in Peru and Colombia as a result of new Stage 3 entries within a context of overall unfavorable macroeconomic 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%">Our allowance for credit losses to total loans and advances at amortized cost decreased to 2.56% as of December 31, 2024 compared with 2.75% as of December 31, 2023, mainly as a result of the increase in total loans outstanding, in particular, the increase in Turkish lira-denominated credit card loans and consumer loans in Turkey, the increase in commercial loans and, to a lesser extent, credit card loans in Argentina and the increases in the wholesale portfolio, in particular, loans to enterprises in Spain, partially offset by certain non-performing loan entries in the retail loan portfolios in Turkey.</span></div><div id="i22a2e436ff7c462c96898906283f922e_151"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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><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%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2024, 2023 and 2022 was &#8364;415.6 million, &#8364;314.7 million, &#8364;257.6 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 style="width:36.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.855%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.855%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.856%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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:'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%">7,319</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:700;line-height:120%">7,682</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:700;line-height:120%">7,203</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%">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%">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%">38</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%">7,304</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-weight:400;line-height:120%">7,658</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="padding: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%">6,894</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:9pt;font-weight:700;line-height:120%">6,764</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:700;line-height:120%">6,290</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%">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: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></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%">6,883</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%">6,763</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="padding: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%">14,213</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:700;line-height:120%">14,446</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:700;line-height:120%">13,493</span></td></tr><tr><td colspan="3" style="padding: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%">(11,630)</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:700;line-height:120%">(11,316)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="padding: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%">2,583</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:700;line-height:120%">3,130</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-weight:700;line-height:120%">2,202</span></td></tr><tr><td colspan="3" style="padding: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%">3.12</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%">3.49</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%">3.47</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%">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><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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></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;14,213 million as of December 31, 2024, a 1.6% decrease compared with &#8364;14,446 million as of December 31, 2023, mainly due to the sale of portfolios of non-performing mortgage loans and certain unsecured retail portfolios, particularly in Spain, lower net entries of non-performing loans in the mortgage portfolio, particularly, in Spain, and higher write-offs in Colombia, Peru and Mexico, partially offset by certain non-performing loan entries in the retail loan portfolios in 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%">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, 2024, the allowance for credit losses amounted to &#8364;11,630 million, a 2.8% increase compared with the &#8364;11,316 million recorded as of December 31, 2023. The allowance for credit losses increased year-on-year due to certain non-performing loan entries in the retail loan portfolios in Turkey, despite the above-mentioned sale of non-performing loan portfolios and higher write-offs in Colombia, Peru and Mexico. </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><div id="i22a2e436ff7c462c96898906283f922e_154"></div><hr style="page-break-after:always"/><div style="min-height: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%">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%">Deposits</span><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%"> </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 time deposits and foreign demand and 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 style="width:23.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">323,940</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%">318,212</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></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%">191,782</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%">196,496</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></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%">132,157</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%">121,716</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></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%">122,951</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%">115,889</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-weight:400;line-height:120%">119,729</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: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%">42,364</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%">45,184</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%">63,741</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%">80,586</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%">70,706</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></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%">39,994</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%">31,259</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></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%">26,006</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%">19,441</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></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%">13,988</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%">11,818</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></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%">260,152</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%">261,121</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:700;line-height:120%">269,503</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%">226,732</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%">204,240</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></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%">486,884</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%">465,360</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%">449,622</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, 2024, 2023 and 2022 amounted to &#8364;255,129 million, &#8364;226,832 million and &#8364;233,406 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, 2024, the maturity of our time deposits in uninsured accounts recorded under &#8220;Financial liabilities at amortized cost&#8221; was 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 style="width:21.002%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.865%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.865%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.868%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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, 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">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-style:italic;font-weight:700;line-height:112%">45,754</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-style:italic;font-weight:700;line-height:112%">55,220</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-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%">17,996</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-style:italic;font-weight:700;line-height:112%">19,344</span></td><td colspan="3" style="padding:2px 1pt;text-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%">37,340</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%">10,134</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:112%">15,502</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:400;line-height:112%">25,636</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%">2,237</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:112%">1,203</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:112%">3,440</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%">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:112%">1,412</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3,041</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%">3,995</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1,227</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:112%">5,223</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%">27,462</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 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%">65,098</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 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%">92,560</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"/></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 and changes in perceptions of the credit or liquidity profile of the Bank. For additional information on our deposits recorded under &#8220;Financial liabilities at amortized cost&#8221; as of December 31, 2024, 2023 and 2022, see Note 22 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%">81</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_157"></div><hr style="page-break-after:always"/><div style="min-height: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, 2024, 2023 and 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 following table provides information about our total short-term borrowings for the years ended December 31, 2024, 2023 and 2022:</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 style="width:24.711%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.173%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.173%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.173%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.173%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.173%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.173%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.173%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.178%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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, 2024</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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, 2023</span></td><td colspan="3" style="padding:0 1pt"/><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></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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 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 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 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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="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%">67,517</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4.1&#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 colspan="3" style="background-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%">91,844</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4.0&#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><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-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></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%">83,001</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4.1&#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 colspan="3" style="background-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%">90,329</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:400;line-height:112%">3.9&#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:112%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-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></tr><tr><td colspan="3" style="padding: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 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="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">4,267</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4.4&#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 colspan="3" style="background-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%">5,567</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4.2&#160;</span></td><td style="padding:2px 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 colspan="3" style="background-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></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%">3,932</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4.4&#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 colspan="3" style="background-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%">3,680</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3.8&#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:112%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-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></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 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="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">12,969</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3.3&#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><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-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%">15,361</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3.2&#160;</span></td><td style="padding:2px 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 colspan="3" style="background-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></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%">14,309</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3.7&#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 colspan="3" style="background-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%">12,265</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-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 colspan="3" style="background-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></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%">84,753</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%">4.0</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><td colspan="3" style="padding:0 1pt"/><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%">112,772</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%">3.8</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 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></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, 2024, 2023 and 2022, the securities sold under agreements to repurchase were mainly Mexican and Spanish treasury bills and such agreements were entered into with credit and other financial institutions.</span></div><div id="i22a2e436ff7c462c96898906283f922e_160"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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 as of and for the years ended December 31, 2024, 2023 and 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 style="width:55.910%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">3.30&#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%">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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">1.4&#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%">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: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%">1.0&#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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">18.9&#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><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16.2&#160;</span></td><td style="padding:2px 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%">14.0&#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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">7.4&#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%">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%">7.1&#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></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 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="i22a2e436ff7c462c96898906283f922e_163"></div><hr style="page-break-after:always"/><div style="min-height: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%">EQUITY</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 majority of the balance not explained in the subsections below is related to the conversion to euros of the financial statements balances from consolidated entities whose functional currency is not 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%">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, 2024, total equity amounted to &#8364;60,014 million, an 8.6% increase compared to the &#8364;55,265 million recorded as of December 31, 2023, mainly as a result of the increase in 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-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, 2024, shareholders&#8217; funds amounted to &#8364;72,875 million, a 7.2% increase compared to the &#8364;67,955 million recorded as of December 31, 2023, primary due to the annual increase in profit, partially offset by the distribution 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-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, 2024, the accumulated other comprehensive loss amounted to &#8364;17,220 million, a 5.9% increase compared to the &#8364;16,254 million loss recorded as of December 31, 2023, mainly due to the depreciation of certain currencies against the euro, in particular, the Argentine peso, the Turkish lira and the Mexican 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%">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, 2024, non-controlling interest amounted to &#8364;4,359 million, a 22.3% increase compared to &#8364;3,564 million recorded as of December 31, 2023 mainly due to greater profit in Argentina.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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 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 trend in the market is consolidation. Following the 2008 financial crisis, a number of banks disappeared or were absorbed by other banks. In the current context of economic uncertainty, there may be some consolidation in the regions where the Group operates.</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><hr style="page-break-after:always"/><div style="min-height: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%">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 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 is approximately 75% according to the latest available 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%">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 and 2023 has resulted in a superior 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 an 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 increased to approximately 6.0% as of December 2023 due to the sharp rise in official interest rates, they subsequently declined to around 5.0% as of November 2024 (latest available 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%">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 deleveraging that preceded the pandemic, the portfolio of mortgages in Spain grew by 1.1% in 2021, though the volume of mortgages declined by 0.1% and 3.2% in 2022 and 2023, respectively, in response to higher interest rates, and the recent increased competition in this segment. According to the latest available data, as of November 2024, the stock of mortgage loans in Spain increased by 0.4% compared to November 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 the aftermath of the 2008 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 &#8220;zero lower bound&#8221; interest rate floor on deposit rates, which never entered negative territory, despite the Euribor being below 0% between 2016 and April 2022. As interest rates have risen, competition among Spanish entities and from other alternative savings financial products has led to higher deposit rates, especially time deposit rates. However, the excess liquidity of the Spanish banking system (as shown by the system&#8217;s loans-to-deposits ratio, which was approximately 84% as of November 2024), and the strong competition in the loan market, caused deposit rates in Spain to increase less than in other European countries.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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. Insurance companies and other financial service firms are also expanding the services they offer to consumers in Spain, which 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 the harmonization of payment services (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, such as the Retail Investment Strategy (RIS). 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. Finally, in June 2024, the new Anti-Money Laundering (AML) package was published in the Official Journal of the EU. This package includes the establishment of the new European AML Authority (AMLA), the Regulation, and the 6th Directive on the prevention of money laundering and terrorist financing (AML/CFT).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 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;Business Overview&#8213;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="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: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 November 31, 2024, the Mexican banking sector comprised 51 institutions, two more than the 49 banks that operated at the end of 2023, due to the entry into operation of Banco Bineo (part of Grupo Financiero Banorte) in January 2024, and OpenBank (part of Grupo Financiero Santander) in November 2024. Hey Banco, which has announced its separation from Grupo Financiero Banregio, obtained a banking license in July 2023, but has not yet started operations. In addition, other eight entities are either waiting for the approval of their license or ready to start operations within the banking sector: Revolut, Nu Bank, Klar, Masari Casa de Bolsa, Finsus, Konf&#237;o, and Plata Card.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2, 2024, Citi announced the successful separation of its institutional banking business in Mexico from its consumer, small and medium-sized enterprises banking business. From December 1, 2024, Citibanamex is split in two separate financial groups: Grupo Financiero Citi Mexico and Grupo Financiero Banamex. Banamex&#8217;s sale is expected to take place during 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, Banorte, Banamex, HSBC, Scotiabank and Inbursa) held 75.0% of the total assets of banks in Mexico as of November 30, 2024, less than the 76.3% in December 2023. Santander, Banorte, Banamex and Scotiabank reduced their share in total assets between December 2023 and November 2024 by 0.6%, 0.2%, 0.6% and 0.4%, respectively, while BBVA Mexico, HSBC and Inbursa increased their market share in the same period by 0.1%, 0.2% and 0.2%, 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%">Regarding credit balances, the G7 group market share decreased from 80.6% in December 2023 to 80.3% in November 2024. In particular, BBVA Mexico increased its participation in total credit balances from 24.7% to 25.5% during such period. Banorte and Inbursa also experimented an increase in their market share in the same period (0.2% and 0.7%, respectively), while Santander, Banamex, Scotiabank and HSBC lost market share. The expected slowdown of economic activity in 2025 may reduce the pace of expansion of credit balances in the short and medium terms.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 between December 2023 and November 2024 (from 78.4% to 77.4%), with six of the G7 banks losing share (BBVA Mexico&#8217;s fell from 23.1% to 22.0%). Banamex was the bank with the largest gain in the system, increasing its participation in total deposits from 11.7% to 12.4%. An expected period of declining interest rates coupled with weaker economic activity are expected to limit the dynamism of deposits in 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 COFECE&#8217;s investigation regarding competition in the card payments&#8217; market, 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%">Business Overview&#8213;Supervision and Regulation&#8212;Principal Markets&#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 style="margin-bottom:10pt;margin-top:10pt;text-align: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 37% of the total loans of financial institutions as of December 29, 2024, whereas private deposit banks (including Garanti BBVA) accounted for 48%. Development banks and participation banks (banks that operate under the ethos of Islamic banking) together accounted for 15% 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%">The loose monetary policy implementation that started in September 2021 continued in the first half of 2023 and resulted in a sharp depreciation of the Turkish lira and a substantial increase in the inflation rate. In June 2023, with the appointment of a new economic team, the CBRT started to take steps towards normalization and monetary tightening. In March 2024, the policy rate (the one-week repo auction rate) was raised from 8.5% to 50.0%. The CBRT also adjusted the monetary policy operational framework by setting the CBRT overnight borrowing and lending rates 300 basis points below and above the one-week repo auction rate, respectively. The CBRT has maintained its tight monetary stance since March 2024, and kept the policy rate unchanged (at 50%) until December 2024. Based on the leading indicators pointing to a decline in the underlying inflation trend in December 2024, the CBRT reduced the policy rate from 50.0% to 47.5%. The CBRT also adjusted the monetary policy operational framework by setting the CBRT overnight borrowing and lending rates 150 basis points below and above the one-week repo auction rate, 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%">In 2024, the CBRT continued to simplify the macroprudential policy framework to enhance the functionality of market mechanisms, strengthen macro-financial stability and support monetary transmission mechanisms. This trend is expected to continue in 2025, including through the simplification of the securities maintenance requirement, based on evaluations regarding the effects of the current macroprudential framework on inflation, interest rates, exchange rates, reserves, expectations, and financial conditions. Inflation is expected to decrease in 2025, which would support demand for Turkish lira assets. For information on other measures adopted by the CBRT, 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;Business Overview&#8213;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="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-weight:400;line-height:120%">Policies were implemented in 2024 to strengthen the monetary policy transmission mechanism and balance domestic demand. In order to enhance the effectiveness of loan growth limits, a reserve requirement based on loan growth was introduced. At the same time, the monthly growth limit was reduced from 2.5% to 2.0% for Turkish lira commercial loans. The limit was also revised from 3.0% to 2.0% for general purpose loans. Moreover, with the aim of ensuring a level of loan growth consistent with the target decrease in inflation and the maintenance of the share of Turkish lira loans, a monthly growth limit of 1% was introduced for foreign exchange 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%">Regarding banks&#8217; balance sheets, despite a decline in the profitability of the banking sector throughout 2024 due to high funding costs, the sector's internal capital generation capacity remained sufficient to support capital adequacy. The tight monetary policy and the macroprudential policy framework have been weighing on the net interest margin, whereas strong income generation from fees and commissions coupled with the moderate growth of the cost of risk have supported profitability in 2024. However, with the expected decline in funding costs, banks&#8217; net interest margins and return on equity levels are expected to improve in 2025.</span></div><div id="i22a2e436ff7c462c96898906283f922e_2812"></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.   Other Relevant 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%">Offer to exchange 100% of the shares of Banco de Sabadell, S.A. for shares of Banco Bilbao Vizcaya Argentaria, S.A.</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%">On April 17, 2024, the Chair of BBVA and the Chairman of Banco de Sabadell, S.A. (the &#8220;Target Company&#8221;) had a meeting in which the Chair of BBVA informed the Chairman of the Target Company about BBVA&#8217;s strategic and financial interest in resuming the merger discussions with the Target Company (by reference to the merger transaction discussed between BBVA and the Target Company in 2020 that ended without reaching any agreement), with a view to creating a leading bank, with greater scale and competitive capacity. On April 30, 2024 due to a media report regarding the abovementioned discussions between the Chair of BBVA and the Chairman of the Target Company, BBVA published an inside information notice </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">(informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) confirming that the Chairman of the Target Company had been informed of BBVA&#8217;s board of directors&#8217; interest in initiating negotiations with the Target Company to explore a potential merger of BBVA and the Target Company. On that same day, BBVA made an indicative proposal in writing to the Target Company relating to a corporate transaction, consisting of the proposed combination of the BBVA Group and the Target Company and its consolidated subsidiaries, through a merger by absorption of the Target Company by BBVA (the Merger) (which was published as an inside information notice </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">(informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) of BBVA on May 1, 2024 and registered with the Spanish Securities and Exchange Commission (&#8220;CNMV&#8221;) with registry number 2232). On May 6, 2024, the Target Company published an inside information notice </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">(informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) registered with the CNMV with registry number 2234, rejecting BBVA&#8217;s proposal. The Target Company has refused to negotiate with BBVA regarding its proposal. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 such rejection, on May 9, 2024, BBVA announced, through the publication of an inside information notice (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) (the &#8220;Prior Announcement&#8221;), the decision to launch an exchange offer (the &#8220;Exchange Offer&#8221;) for the acquisition of all of the issued and outstanding shares of the Target Company. The consideration offered by BBVA to the shareholders of the Target Company after the adjustments following the interim dividends paid by both companies, consists of one (1) newly issued share of BBVA for each five point zero one nine six (5.0196) ordinary shares of the Target Company and &#8364;0.29 for each five point zero one nine six (5.0196) shares of the Target Company (the &#8220;Consideration&#8221;), subject to certain adjustments in the case of dividend distributions in accordance with what was indicated in the Prior Announcement. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 provisions of Royal Decree 1066/2007, of July 27, 2007, on the rules governing tender offers (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Royal Decree 1066/2007</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), the Exchange Offer is subject to mandatory clearance by the CNMV (&#8220;CNMV Clearance&#8221;). Additionally, pursuant to the provisions of Law 10/2014 and Royal Decree 84/2015, the acquisition by BBVA of control of the Target Company resulting from the Exchange Offer is subject to the duty of prior notification to the Bank of Spain and the obtention of the non-opposition of the ECB (which condition was satisfied on September 5, 2024, as described 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-weight:400;line-height:120%">In addition, completion of the Exchange Offer is also subject to the satisfaction of the conditions specified in the Prior Announcement, in particular (i) the acceptance of the Exchange Offer by a number of shares that allows BBVA to acquire at least more than half of the effective voting rights of the Target Company at the end of the Exchange Offer acceptance period (therefore excluding the treasury shares that the Target Company may hold at that time) as this condition was amended by BBVA in accordance with the inside information notice (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) dated January 9, 2025 (the &#8220;Minimum Acceptance Condition&#8221;), (ii) approval by BBVA&#8217;s General Shareholders&#8217; Meeting of the increase of BBVA&#8217;s share capital through the issue of new ordinary shares with non-cash contributions in an amount that is sufficient to fully cover the Consideration offered to the shareholders of the Target Company (which condition was satisfied on July 5, 2024, as described below), (iii) the express or tacit authorization of the economic concentration resulting from the Exchange Offer by the Spanish antitrust authorities (&#8220;Antitrust Clearance&#8221;), and (iv) the express or tacit authorization of the indirect acquisition of control of the Target Company&#8217;s banking subsidiary in the United Kingdom, TSB Bank PLC, by the United Kingdom Prudential Regulation Authority (PRA) (which condition was satisfied on September 2, 2024, as described 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%">On July 5, 2024, BBVA&#8217;s Extraordinary General Shareholders&#8217; Meeting approved to authorize the increase of BBVA&#8217;s share capital in an amount of up to &#8364;551,906,524.05 through the issuance of up to 1,126,339,845 newly-issued BBVA shares to be offered to the holders of the Target Company shares pursuant to the Exchange Offer. Such capital increase resolution was approved with shareholders representing 70.75% of the outstanding BBVA shares present at such meeting and 96% of such shareholders voting in favor.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 September 3, 2024, BBVA announced that it had received on September 2, 2024 the authorization from the Prudential Regulation Authority (PRA) for BBVA's indirect acquisition of control of TSB Bank PLC, the Target Company&#8217;s banking subsidiary in the United Kingdom, as a result of the Exchange Offer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 September 5, 2024, BBVA announced that it received the decision of non-opposition from the European Central Bank to BBVA's taking control of the Target Company, as a result of the Exchange Offer.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 12, 2024, the Spanish antitrust authorities announced their decision that further review of the economic concentration resulting from the Exchange Offer would be required, extending antitrust review into a second phase.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 detailed terms of the Exchange Offer will be set out in the Spanish prospectus (which was submitted together with the Exchange Offer request to the CNMV for their authorization on May 24, 2024 and will be published after obtaining CNMV Clearance) and the relevant U.S. offer to exchange/prospectus.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 on the information available when announcing the Exchange Offer, BBVA estimated a negative impact on BBVA&#8217;s Group CET1 capital of 38 basis points (including the impact of the adjustments resulting from dividend payments by the Target Company and BBVA on October 1 and October 10, 2024, respectively) if the Exchange Offer were accepted by holders of shares representing 100% of the share capital of the Target Company. 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 faces risks related to its acquisitions and divestitures activity, including the Exchange Offer</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and &#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 structure, capital, leverage, liquidity, MREL and resolution profile of the Group if the Exchange Offer is completed remains uncertain</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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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. BBVA also has considerable corporate and investment banking activity in the United States. 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;. </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-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, 2024, 2023 and 2022 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, 2024, 2023 and 2022, and its results of operations and consolidated cash flows for the years ended December 31, 2024, 2023 and 2022. 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 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 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 in the valuation of insurance and reinsurance contracts, to quantify certain provisions and the 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 unlisted financial 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 recoverability of deferred tax assets and the forecast of corporate income 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%">Although these estimates were made on the basis of the best information available as of December 31, 2024, 2023 and 2022, 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%">The BBVA Group is working on its estimation models so that they consider and reflect how climate risk and other climate-related matters can affect the consolidated financial statements, cash flows and financial performance of the Group. The relevant estimates and judgments are being taking into account when preparing the consolidated financial statements of the BBVA Group and, where relevant, they are mentioned in the corresponding Notes 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%">Further, recent greater macroeconomic and geopolitical uncertainties have resulted in greater complexity in developing reliable estimates and applying judgment. During 2024 there have been no other significant changes in the estimates made as of December 31, 2023 and 2022, 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 the Consolidated Financial Statements contains a summary of our significant accounting policies. We consider certain of our critical accounting 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 the 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 the Consolidated Financial Statements and the discussion below. For information on the estimates made by the Group in preparing the Consolidated Financial Statements, see Note 1.5 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%">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><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 the Consolidated Financial Statements for information on changes to IFRS or their interpretation that were not yet effective as of December 31, 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-style:italic;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;text-align:justify;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 2024, the criteria for identifying significant increases in credit risk were reviewed and updated. As part of this update, certain short-term portfolio transactions as well as those meeting the expanded definition of the low credit risk exception (see Note 2.2.1 to the Consolidated Financial Statements) have been exempted from transfer to Stage 2 based on certain quantitative criteria. These changes have led to a significant reduction in the Stage 2 balance at the Group level during the last quarter of 2024, with the impact of these measures primarily concentrated in Banco Bilbao Vizcaya Argentaria, S.A.</span></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-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="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%">See Notes 2.2.1 and 8 to the 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 the Consolidated Financial Statements, which contains a summary of our significant accounting policies with respect to these instruments.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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 advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 (CGUs), that will benefit from the synergies arising from business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows 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%">Goodwill is not amortized and is subject periodically to an impairment analysis, comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, with its recoverable amount.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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%">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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment 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%">See Notes 2.1 and 2.2.7 to the Consolidated Financial Statements, which contain a summary of our significant accounting policies related to goodwill.</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><hr style="page-break-after:always"/><div style="min-height: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 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 each of December 31, 2024, 2023 and 2022, as a result of the relevant CGUs assessment, the Group concluded there was no evidence of indicators of impairment that required recognizing significant impairment losses in any of the CGUs to which goodwill recognized in the consolidated balance sheet was 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-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 five years. As of December 31, 2024, the Group used a growth rate of 5.5% (5.6% as of December 31, 2023 and 6.3% as of December 31, 2022) 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, 18.3% as of December 31, 2024 (12.4% as of December 31, 2023 and 12.7% as of 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%">As of December 31, 2024, if the discount rate had increased or decreased by 50 basis points, the recoverable amount would have decreased or increased by 3% and 3%, respectively (6% and 7%, respectively, as of December 31, 2023, and 7% and 8%, respectively, as of December 31, 2022). If, as of December 31, 2024, the growth rate had increased or decreased by 50 basis points, the recoverable amount would have increased or decreased by 2% and 2%, respectively (5% and 4%, respectively, as of December 31, 2023, and 5% and 5%, respectively, as of 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-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 &#8220;Financial Reporting in Hyperinflationary Economies&#8221; and IAS 21 &#8220;Effects of Changes in Foreign Exchange Rates&#8221;, 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 in their entirety. See Note 2.2.18 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%">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. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 recoverable amounts of all the CGUs were in excess of their carrying value as of December 31, 2024, December 31, 2023 and December 31, 2022.</span></div><div id="i22a2e436ff7c462c96898906283f922e_181"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the years ended December 31, 2024, 2023 and 2022, the valuation method used by default for all insurance and reinsurance contracts was the General Model (Building Block Approach) based on IFRS 17, except in respect of contracts eligible to be valued under the Simplified Model (Premium Allocation Approach) or the Variable Fee Approach. The General Model requires that insurance contracts be initially valued for the total of fulfillment cash flows and the contractual service margin (CSM), each as further described in Note 2.2.8 to the Consolidated Financial Statements. Subsequently, the amount recognized in the consolidated balance sheet for each group of insurance contracts measured under this model comprises the liability for remaining coverage, which includes the aforementioned fulfillment cash flows and the contractual service margin, and the liability for incurred claims, which includes the cash flows from related to claims that have occurred, but have not been paid, 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 by the uncertainty associated with the amount and timing of the expected cash flows. </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-weight:400;line-height:120%">See Notes 2.2.8 and 23 to the 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 2.2.13 and 25 to the 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="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-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 as an expense for the period 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, the carryforward of unused tax losses and carryforward of unused tax credits 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 the 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%">92</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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-weight:400;line-height:120%">Set forth below are the main factors that have affected the comparability of the Group&#8217;s results of operations and financial condition as of and for the years ended December 31, 2024, 2023 and 2022. Further to the factors referred to below, the future comparability of the Group&#8217;s results of operations and financial condition may be significantly affected by, among other factors, the completion of the Exchange Offer (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;Other Relevant 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-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 economy was considered to be hyperinflationary) are converted at the 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 the Consolidated Financial Statements, and income statement items have been converted at the average exchange rates for the period. See Note 2.2.18 to the Consolidated Financial Statements for information on the application of IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#8221;. 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, 2024, 2023 and 2022 and as period-end exchange rates as of December 31, 2024, 2023 and 2022 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="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: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 style="width:15.695%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.770%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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, 2024</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, 2023</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, 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, 2024</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, 2023</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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">19.8220</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%">19.1866</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%">21.5504</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%">18.7231</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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 13pt 0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 13pt 0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 13pt 0 1pt"/><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%">36.7372</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%">32.6531</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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">1.0822</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%">1.0815</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%">1.0389</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%">1.1050</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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 colspan="3" style="background-color:#e9e9e9;padding:0 13pt 0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 13pt 0 1pt"/><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%">1,072.6642</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%">892.8124</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%">188.5144</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">4,405.4736</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%">4,679.2170</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%">4,580.6659</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%">4,223.3653</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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">4.0546</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%">4.0404</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%">3.9027</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%">4.1042</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></tr></table></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%">During 2024, the</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Mexican peso and, to a lesser extent, the U.S. dollar and the Peruvian sol depreciated against the euro in average terms compared with the prior year. On the other hand, the Colombian peso appreciated against the euro in average terms compared with the average exchange rates for the prior year. The income statement of BBVA Argentina for the year ended December 31, 2024 was significantly impacted by the decline of the Argentine peso during the year, including, in particular, the extraordinary devaluation of the Argentine peso against the euro in December 2023, as a result of the economic measures adopted by the new government. In terms of period-end exchange rates, the Mexican peso, the Turkish lira, the Argentine peso and the Colombian peso depreciated against the euro. On the other hand, the U.S. dollar and the Peruvian sol 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 (mainly due to the depreciation of the Mexican peso in average terms and the depreciation of the period-end exchange rates of the Turkish lira and the Argentine peso used to convert income statement items pursuant to IAS 21) and balance sheet</span><span style="background-color:#ffffff;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%">During </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, the Mexican peso appreciated against the euro in average terms compared with the prior year. On the other hand, the Colombian peso, the U.S. dollar and the Peruvian sol depreciated against the euro in average terms compared with the prior year. The income statement of BBVA Argentina for the year ended December 31, 2023 was significantly impacted by the decline of the Argentine peso during the year, including, in particular, the extraordinary devaluation of the Argentine peso against the euro in December 2023, as a result of the economic measures adopted by the new government. In terms of period-end exchange rates, the Mexican peso and the Colombian peso appreciated against the euro. On the other hand, the Turkish lira, the Argentine peso, the U.S. dollar and the Peruvian sol 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 (mainly due to the depreciation of the period-end exchange rates of the Turkish lira and the Argentine peso used to convert income statement items pursuant to IAS 21) 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 (except with respect to hyperinflationary economies, where we have used the period-end exchange rate of the more recent period for both periods) and, with respect to balance sheet amounts, we have used the period-end 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%">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-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 (&#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">7</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 (the Capital Markets Board of Turkey or &#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">8</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 resulted in a capital gain of approximately &#8364;924 million (including the impacts after the application of IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#8221;, see Note 2.2.18 to the Consolidated Financial Statements). 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 &#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, 2022 was 85.97% (the same percentage as on December 31, 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-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 the Consolidated Financial Statements).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="i4f12619aad7e494690feb6df1be17b5a_14872"></span><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. Additionally, the Group is exposed to sovereign debt, especially in these geographical areas.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 is currently facing a number of extraordinary challenges. The war between Ukraine and Russia and armed conflicts and political instability in the Middle East have caused significant disruptions, instability and volatility in global markets, particularly in energy markets. Uncertainty about the future development of these conflicts is high, and they may lead to new supply shocks, GDP contraction and a resurge of inflation, paving the way for macroeconomic and financial instability episodes. For additional information on the deteriorating economic environment, 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;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%">Geopolitical and economic risks have also increased in recent years as a result of trade tensions between the United States and China, Brexit, and the rise of populism, among other factors. Growing tensions may lead, among other things, to a deglobalization of the world economy, an increase in protectionism, a general reduction of international trade and a reduction in the integration of financial markets. Moreover, the policies to be adopted by the new U.S. government are an additional source of uncertainty for the global economy. During February 2025, the U.S. government imposed certain tariffs (some of which were subsequently delayed) on imports from Canada, Mexico and China, which resulted in China adopting retaliatory tariffs. If the announced tariffs affecting Mexico are ultimately implemented, this may have a material adverse effect on Mexico&#8217;s economy. These and other policies of the new administration&#8212;including fiscal, regulatory, industrial or foreign policies&#8212;could slow U.S. or global economic growth (especially, if they give rise to trade wars), increase inflation, affect interest rates or otherwise increase financial and macroeconomic instability, any of which could adversely affect the Group&#8217;s business, financial condition and results of operations.</span></div><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:150pt"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">7</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;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 style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">8</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;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%">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-weight:400;line-height:120%">In addition, there is a risk of a sharp global growth slowdown. In a context marked by uncertainty and still elevated interest rates, labor markets and aggregate demand could weaken more significantly than expected. Moreover, despite increasing economic stimulus measures, growth in China could slow sharply, negatively impacting many regions, due to tensions in real estate markets, declining demand and economic sanctions imposed by the United States, among other factors.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 collapse of Silicon Valley Bank and UBS&#8217;s agreement to acquire Credit Suisse in early 2023 led to increased volatility, especially in the stock and interest rate markets, and have given rise to global banking concerns, including with respect to the concentration and quality of bank deposits and the debt holdings of certain 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%">Moreover, in the current context, one of the main risks is that inflation remains higher than expected, due to new supply shocks, related for example to the previously mentioned geopolitical and political risks or climate factors, due to demand factors, caused by an excessively expansionary fiscal policy, the robustness of labor markets, or other factors, such as the lowering of interest rates by central banks. Significant inflationary pressures could lead to interest rates remaining higher than currently forecasted, which could negatively affect the macroeconomic environment and financial markets. In recent years, the Group&#8217;s results of operations have been particularly affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, which have led to a rise in both interest revenue and expenses and a shift from deposits towards higher profitability investments (including mutual funds). The prevalence of interest rates at relatively high levels or any increase in interest rates in the future could adversely affect the Group by generating mark-to-market losses on securities portfolios, reducing the demand for credit, increasing funding costs and further increases in the default rate of its borrowers and other counterparties, adversely affecting the amount of deposits if remuneration thereof is not increased accordingly and otherwise affecting margins.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 have also been affected in recent years by the high inflation in all countries in which BBVA operates, especially Turkey and Argentina. In particular, the Turkish economy has 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%">Presentation of Financial Information&#8212;Hyperinflationary Economies</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%">Further, the Group&#8217;s results of operations have been affected in recent years by institutional and regulatory developments. In Spain, political, regulatory and economic uncertainties have increased since the 2023 general elections and there is a risk that policies could be adopted that have an adverse impact on the economy or our business. There is also a risk that political tensions in other European countries, such as those observed after the 2024 elections in France, could to some extent affect 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 Mexico, despite the growth in economic activity in 2023 and 2024, there is high uncertainty regarding the impact of the recently approved constitutional reforms as well as regarding the policies that may be adopted by the new government, which has already caused significant financial volatility and contributed to the depreciation of the Mexican peso. There is also the risk that the above-mentioned new U.S. administration policies may be a source of volatility in the Mexican 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%">In Turkey, the CBRT has strengthened its macroprudential policy toolkit. Among other measures, reserve requirements, which used to apply to the liability side of balance sheets only, started to apply to the asset side of balance sheets, including Turkish lira-denominated commercial cash loans (subject to certain exceptions).</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%">The regulatory and macroprudential policies affecting the banking sector, including measures adopted to increase the weight of Turkish lira-denominated assets and liabilities of the banking system, and economic conditions in Turkey, including changes in official interest rates (with Turkey&#8217;s real interest rate still being negative given the high inflation) have affected and may continue to affect the Group&#8217;s results, and 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</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%">For additional information on measures adopted by the CBRT, 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;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-weight:400;line-height:120%">While there have been increasing signs of normalization in economic policy in general, and monetary policy in particular, since the general elections held in May 2023, economic conditions in Turkey remain relatively unstable, characterized by pressures on the Turkish lira, high inflation, a significant trade deficit, low central bank foreign reserves and high external financing costs. The earthquakes of February 2023 deepened Turkey&#8217;s economic struggles. In addition to the vast human losses, the earthquakes and government&#8217;s response thereto added to mounting inflation and budget risks. Continuing unfavorable economic conditions in Turkey may result in a potential deterioration in the purchasing power and creditworthiness of our clients (both individual and corporate). There is also uncertainty about the impact of the recent developments in the Middle East on Turkey. In particular, recent regime changes in Syria create opportunities, such as a potential increase in exports and lower migration pressures, but also risks, which could cause greater volatility of Turkish financial assets, among other possible consequences.</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-weight:400;line-height:120%">In Argentina, the risk of economic and financial turbulence persists in a context in which the government has substantially modified the economic policy framework and has focused its efforts on implementing strong fiscal and monetary adjustments to reduce inflation. The significant exchange rate devaluation implemented in December 2023 and the strong fiscal adjustment announced in early 2024 have further reinforced short-term 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%">In Colombia and Peru, climate-related factors, political tensions and greater social conflict could have a negative impact on the economy. </span></div><div id="i22a2e436ff7c462c96898906283f922e_190"></div><div style="margin-bottom:10pt;margin-top: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%">The below discussion of BBVA&#8217;s operating environment includes the current expectations, estimates and beliefs of BBVA Research, based on internal and third-party sources, with respect to the future evolution of macroeconomic conditions. These expectations, estimates and beliefs are subject to uncertainty, and the actual evolution of macroeconomic conditions could differ materially from any expected evolution described 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%">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 the evolution of corporate earnings. Interest rates have a direct impact on bank results as 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 and increase the cost of funding and also typically lead to unrealized losses on fixed income securities and higher 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%">Economic growth remained relatively strong in 2024, primarily in the United States and the services sector. BBVA Research estimates that global GDP expanded by approximately 3.2% in 2024. This resilience occurred in an environment where public spending remained generally high and labor markets tight. Due in part to restrictive monetary conditions, inflation moderated throughout 2024, aided by falling energy prices (despite geopolitical tensions in some producer regions) and productivity gains (mainly in the United States). Inflation, however, remains above target in many regions, such as the United States and the Eurozone, driven by service prices. The main exception is China, where the structural slowdown in growth, and particularly in domestic demand, has resulted in very low, although positive, inflation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2025, the policies adopted by the new U.S. administration, marked by significant uncertainty, will be critical. Additional protectionist measures and high fiscal deficits could push inflation higher and dampen growth, according to BBVA Research. Thus, despite recent resilience, BBVA Research expects U.S. growth to slow from 2.7% in 2024 to 2.0% in 2025. The likely inflation uptick, which ended 2024 at 2.9%, is expected to limit the Federal Reserve&#8217;s ability to ease monetary conditions further. Interest rates, which fell from 5.5% to 4.5% during 2024, are expected to stabilize around 4.0% by mid-2025 and remain at those relatively high levels for the rest of the year, supporting the strength of the U.S. dollar.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 potential increase in U.S. tariffs would pose a negative shock to the global economy, whose GDP growth is expected to moderate to around 3.1% in 2025, and would exacerbate structural challenges faced by China and the Eurozone. BBVA Research expects Eurozone GDP to grow by 1.0% in 2025, after expanding 0.8% in 2024. Meanwhile, China&#8217;s growth is expected to slow to 4.1% in 2025 from 4.8% in 2024. Although the direct impact of U.S. protectionist measures may be more significant for China than the Eurozone, China has greater room for adopting countercyclical policies. Stimulus measures announced recently by Chinese authorities may be supplemented by additional actions in 2025. Additionally, weaker economic activity is expected to keep inflation controlled, at around 2% in the Eurozone and low in China. In this environment, BBVA Research expects further interest rate cuts in both regions. Specifically, the ECB, which reduced its deposit facility rate from 4.0% to 3.0% during 2024, is expected to lower it further to around 2.0% by mid-2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Geopolitical factors, including further escalation of conflicts in Ukraine or the Middle East, and potential U.S. shifts on trade, migration, and fiscal policies, pose risks to the global macroeconomic outlook. These factors heighten the risk of inflation&#8212;and, consequently, interest rates&#8212;remaining above expectations, while increasing the likelihood of lower-than-forecast GDP growth and heightened macroeconomic and 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%">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-weight:400;line-height:120%">In Spain, economic activity showed dynamism throughout 2024, largely driven by service exports, fiscal policy measures, private consumption, and an increase in the labor force due to factors such as higher migration flows. In this context, recent data suggest, according to BBVA Research, that GDP growth was around 3.1% in 2024, slightly above the previous forecast of 2.9%. However, a less favorable external environment, gradual fiscal consolidation, a potential slowdown in service exports after strong increases in prior years, and the limited but negative impact of the recent DANA (torrential rains and floods) in the Valencia region are expected to moderate growth to around 2.3% in 2025. Annual inflation, which ended 2024 at approximately 2.8%, is likely to remain slightly below 2% in 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, GDP growth slowed in 2024 and is expected to remain relatively limited in 2025, in a context marked by uncertainty over the impact of recently approved constitutional reforms and the policies of the new U.S. administration, as well as an anticipated process of fiscal consolidation following the increase in the public deficit in 2024. Specifically, BBVA Research forecasts GDP growth of 1.2% in 2024 and 1.0% in 2025. Annual inflation reached 4.5% at the end of 2024 and is expected to moderate to between 3.0% and 4.0% in 2025. In this scenario, official interest rates, which were cut to 10.0% in December, are likely to continue decreasing, converging to around 8.0% by the end of 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, since the general elections held in May 2023, there have been increasing signs of normalization in economic policy overall, and monetary policy in particular, pointing to a gradual correction of current macroeconomic distortions. In this context, reference interest rates rose from 8.5% at the beginning of 2023 to 50.0% by September 2024, and other countercyclical measures have been announced. These actions have contributed to a slowdown in domestic demand, relative exchange rate stability, and a moderation in annual inflation, which stood at 44.4% in December 2024. Following these improvements, the CBRT cut interest rates by 250 basis points in December 2024, to 47.5%. If inflation continues to moderate, as expected by BBVA Research&#8212;which forecasts a further deceleration to around 26% by the end of 2025&#8212;, interest rates could be reduced further. This reduction in inflation and interest rates may be supported by relatively limited economic growth, estimated at around 3.2% in 2024 and 2.5% in 2025. A less favorable global environment and some fiscal consolidation are expected to exert downward pressure on growth this 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 Argentina, significant fiscal consolidation and relative exchange rate stability have contributed to a moderation in inflation throughout 2024. Additionally, after a sharp contraction in the first half of 2024, there are early signs of an economic recovery. Following a decline of approximately 3.8% in 2024, GDP is expected to grow by around 5.5% in 2025, according to BBVA Research. Inflation reduction prospects have improved, with expectations for it to converge to around 30% by the end of 2025. However, there is significant uncertainty regarding the future evolution of the exchange rate, which has recently remained stronger than anticipated.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 growth gradually recovered throughout 2024 as inflation and interest rates declined. BBVA Research estimates that GDP grew by 2.0% in 2024</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:line-through"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">and expects an increase of 2.5% in 2025. There has been a slight downward revision for the expected 2025 growth that is largely attributed to a less favorable external environment than anticipated and the expectation of a slower pace of monetary easing. Specifically, interest rates, which fell by 350 basis points to 9.50% during 2024, are expected to decline more gradually ahead and are expected to be around 7.0% by the end of 2025. Annual inflation, which closed 2024 at 5.2%, is expected to ease further in the coming months but remain above the 3% target, likely around 3.9% in December 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, BBVA Research estimates that GDP grew by 3.1% in 2024 driven by more favorable weather conditions and the boost to consumption from the latest extraordinary withdrawals from pension funds. Additionally, improved financial conditions stemming from controlled inflation (2.0% in December 2024, and likely to remain within the range 1% to 3% inflation target range throughout 2025) and lower interest rates (declining from 5.00% at the end of December 2024 to around 4.50% at the beginning of 2025, according to BBVA Research estimates) strengthen growth prospects. BBVA Research&#8217;s growth forecast for 2025 remains unchanged at 2.7%.</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="i22a2e436ff7c462c96898906283f922e_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 2024 compared to 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 table below shows the Group&#8217;s consolidated income statements for 2024 and 2023. </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 style="width:60.533%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.691%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">61,659</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">47,850</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">28.9</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%">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%">(36,392)</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%">(24,761)</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:400;line-height:120%">47.0</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 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%">25,267</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%">23,089</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:700;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%">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%">120</span></td><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%">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%">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%">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%">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%">26</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">52.5</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%">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%">13,036</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9,899</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31.7</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%">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%">(5,048)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3,611)</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: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:400;line-height:120%">Net gains (losses) on financial assets and 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:400;line-height:120%">3,218</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%">1,844</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">74.5</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%">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%">339</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">105.0</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 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%">623</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">619</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">(3,951)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4,042)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2.3)</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%">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%">3,720</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,081</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20.7</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%">(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:9pt;font-weight:400;line-height:120%">(1,821)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.9</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%">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%">35,481</span></td><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%">29,542</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">20.1</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%">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%">(12,660)</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%">(10,905)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16.1</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%">(7,659)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(6,530)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">(5,001)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4,375)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.3</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%">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%">(1,533)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,403)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.3</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: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%">21,288</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%">17,233</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">23.5</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</span></td><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%">(198)</span></td><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%">(373)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(47.1)</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5,745)</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%">(4,428)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">29.7</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%">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%">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%">(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%">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%">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%">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%">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%">n.m. (3)</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="padding:2px 1pt;text-align: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%">(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%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">15,405</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%">12,419</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">24.0</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%">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%">(4,830)</span></td><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%">(4,003)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20.7</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 / (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%">10,575</span></td><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%">8,416</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:700;line-height:120%">25.7</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) 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%">&#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 / (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%">10,575</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%">8,416</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:700;line-height:120%">25.7</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%">10,054</span></td><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%">8,019</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25.4</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%">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%">521</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%">397</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31.2</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">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%">(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="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 the Group&#8217;s consolidated income statements for the years ended December 31, 2024 and 2023 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, 2024 and 2023.</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:60.533%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.691%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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:10pt;font-weight:700;line-height:120%">2024</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:10pt;font-weight:700;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:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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:10pt;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:10pt;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%">61,659</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">47,850</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">28.9</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:10pt;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%">(36,392)</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%">(24,761)</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:400;line-height:120%">47.0</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:10pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="border-bottom:1pt 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%">25,267</span></td><td colspan="3" style="border-bottom:1pt 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%">23,089</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:700;line-height:120%">9.4</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, 2024 amounted to &#8364;25,267 million, a 9.4% increase compared with the &#8364;23,089 million recorded for the year ended December 31, 2023, as interest and other income increased by 28.9% 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;), particularly of loans to enterprises and consumer loans, partially offset by an increase in interest expense of 47.0%, mainly driven by higher overall funding costs due to interest rate increases, and the depreciation of the Argentine peso and the Mexican peso against the euro. At constant exchange rates, net interest income increased by 12.9%. The following factors, set out by region, were the main contributors to the 9.4% 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-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">South America: there was a 27.2% increase mainly as a result of increases in the volume and yield of credit card loans and the commercial loan portfolios in Argentina and Colombia.</span></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 14.5% increase mainly as a result of the higher yield of the loans to enterprises and consumer loans, which led to an increase in the customer spread (calculated as the average rate at which assets are remunerated, less the equivalent average rate for deposits), as a result of the impact of the increase in interest rates in 2023 up to the cuts beginning in the second half of 2024 and, to a lesser extent, an increase in the average volume of loan 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:'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 4.5% increase mainly as a result of the higher contribution from the wholesale and retail loan portfolios (attributable to increases in volume), and the higher contribution from the securities portfolio.</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 period-on-period increase was offset in substantial part by the overall higher funding costs in all regions due to the interest rate increases, the higher interest expense on Turkish lira-denominated deposits (due to the higher volume of deposits and the higher interest rates paid on them), the higher wholesale and swap funding costs in Turkey, the impact of interest rates cuts implemented by the ECB since the second half of 2024 on consumer and household loan portfolios in Spain, which are mostly referenced to variable interest rates, and the depreciation of the Turkish lira, the Argentine peso and the Mexican peso against the euro. As a result, interest expense grew significantly more rapidly than interest and other income, negatively affecting 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-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, 2024 amounted to &#8364;120 million, a 1.4% increase compared with the &#8364;118 million recorded for the year ended 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-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, 2024 amounted to income of &#8364;40 million, a 52.5% increase compared with the income of &#8364;26 million recorded for the year ended December 31, 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%">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, 2024 and 2023:</span></div><div style="margin-bottom:6pt;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 style="width:65.155%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.149%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">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%">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%">(13.8)</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%">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%">300</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">300</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">Credit and debit cards and POS (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:9pt;font-weight:400;line-height:120%">7,106</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%">4,665</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">52.3</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%">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%">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%">175</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(5.2)</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%">961</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">862</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11.5</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%">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%">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%">384</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">322</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.8</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 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%">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%">471</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12.7</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%">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%">1,685</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%">1,407</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%">19.8</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%">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%">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%">345</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.4</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%">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%">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%">207</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">902</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">751</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20.1</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 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%">13,036</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%">9,899</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">31.7</span></td></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) Points of 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%">Fee and commission income increased by 31.7% to &#8364;13,036 million for the year ended December 31, 2024 from the &#8364;9,899 million recorded for the year ended December 31, 2023, primarily due to the increase in payment systems fees (fees related to credit and debit cards and POS (points of sale), as shown in Note 40 to the Consolidated Financial Statements) supported by the increase in the maximum credit card fees banks may charge in Turkey pursuant to the regulation established by the CBRT and, to a lesser extent, the increased volume of transactions by credit card customers and of asset management activities in Mexico, the increase in the volume of asset management activities and the higher credit card fees in Spain and increases in payment systems-related fees (in particular, related to credit cards), as a result of increases in the volume of transactions and commission rates in Argentina, partially offset by the depreciation of the Turkish lira, the Mexican peso 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%">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, 2024 and 2023 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 style="width:65.155%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.149%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">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%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.7</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%">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%">3,534</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">51.3</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%">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-weight:400;line-height:120%">156</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1.9)</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%">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%">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%">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%">16.8</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%">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%">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%">111</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(8.5)</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%">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%">1,206</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%">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:400;line-height:120%">25.4</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%">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%">5,048</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%">3,611</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:700;line-height:120%">39.8</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 39.8% to &#8364;5,048 million for the year ended December 31, 2024 from the &#8364;3,611 million recorded for the year ended December 31, 2023, primarily due to the increase in fees paid by the Group in connection with the increase in payment systems fees in Turkey (in particular, due to an increase in the volume of transactions by credit card customers), partially offset by the depreciation of the Turkish lira, the Mexican peso 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%">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 increased to &#8364;3,218 million for the year ended December 31, 2024, a 74.5% increase compared to the net gain of &#8364;1,844 million recorded for the year ended December 31, 2023, mainly due to the gains from foreign currency hedges in Turkey, the gains from certain foreign currency hedges (recorded in the ALCO portfolio of the Corporate Center) on the estimated results of the operating segments resulting from the impact of the depreciation of the Mexican peso and, to a lesser extent, the higher gains from the Global Markets units in Mexico and Spain, recorded under &#8220;Gains (losses) on financial assets and liabilities held for trading, net&#8221;, partially offset by the depreciation of the Turkish lira and the Argentine 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%">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, 2024 and 2023:</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 style="width:65.155%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.149%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">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%">76</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="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%">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:400;line-height:120%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="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%">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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(50.7)</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%">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: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: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%">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:9pt;font-weight:400;line-height:120%">1,352</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">81.8</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%">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%">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%">337</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(46.8)</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%">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%">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%">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%">158.8</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%">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%">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%">(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: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%">3,218</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%">1,844</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">74.5</span></td></tr></table></div><div style="margin-bottom: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">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%">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;695 million gain for the year ended December 31, 2024 from a &#8364;339 million gain for the year ended December 31, 2023, mainly as a result of the positive exchange differences recognized in the Corporate Center, partially offset by the lower positive exchange differences in Turkey compared to 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="ia570ea94879c441c92f409d94ecf6dae_16481"></span><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, 2024 increased by 0.7% to &#8364;623 million compared with the &#8364;619 million recorded for the year ended 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%">Other operating expense for the year ended December 31, 2024 amounted to &#8364;3,951 million, a 2.3% decrease compared with the &#8364;4,042 million recorded for the year ended December 31, 2023, mainly driven by the lower aggregate expense attributable to the loss on the net monetary position resulting from the adjustment for hyperinflation in Turkey (&#8364;1,512 million in 2024 compared to &#8364;2,118 million in 2023) and the depreciation of the Mexican peso, the Turkish lira and the Argentine peso,</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> partially offset b</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">y the higher loss on the net monetary position resulting from the adjustment for hyperinflation in Argentina (&#8364;1,419 million in 2024 compared to &#8364;1,062 million in 2023), the lower gain from the revaluation of bonds linked to inflation in Turkey (&#8364;1,164 million, compared to &#8364;1,202 million for the year ended December 31, 2023) and the higher expense recorded in connection with the temporary tax on credit institutions and financial credit establishments in Spain (totaling &#8364;285 million in the year ended December 31, 2024, compared to &#8364;215 million in the year ended 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, 2023, BBVA had satisfied in full the amount to be paid by it at a global level under the ECB&#8217;s 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-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, 2024 was &#8364;3,720 million, a 20.7% increase compared with the &#8364;3,081 million of income recorded for the year ended December 31, 2023, mainly due to increased insurance activity in Spain and the increase in insurance premiums, attributable in part to higher insurance sales 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%">Expense on insurance and reinsurance contracts for the year ended December 31, 2024 was &#8364;2,238 million, a 22.9% increase compared with the &#8364;1,821 million expense recorded for the year ended December 31, 2023, mainly as a result of higher insurance-related expenses in Spain, due in part to the increased activity.</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-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, 2024 amounted to &#8364;12,660 million, a 16.1% increase compared with the &#8364;10,905 million recorded for the year ended December 31, 2023, mainly as a result of the increase in personnel expenses, driven by the increase in salaries (mainly driven by inflation) and, to a lesser extent, the number of employees and the increase in general expenses (technology, outsourced services and maintenance), in particular, in Turkey and Argentina, driven to a great extent by the higher average inflation rates, partially offset by the depreciation of the Turkish lira, the Mexican peso 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%">The table below provides a breakdown of personnel expense for the years ended December 31, 2024 and 2023:</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 style="width:60.533%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.691%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">5,937</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5,068</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.1</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%">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%">1,007</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">834</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20.7</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%">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%">158</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">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%">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%">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%">3.5</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%">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%">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: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%">15.0</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%">7,659</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%">6,530</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">17.3</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%">The table below provides a breakdown of other administrative expense for the years ended December 31, 2024 and 2023:</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 style="width:60.533%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.691%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">1,732</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,512</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.5</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%">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%">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%">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%">19.6</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%">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%">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%">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%">26.4</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%">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:9pt;font-weight:400;line-height:120%">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%">10.9</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="padding:2px 1pt;text-align: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%">481</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">451</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.6</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%">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%">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-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%">9.2</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%">1,253</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%">1,090</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="padding: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%">5,001</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%">4,375</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14.3</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-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, 2024 was &#8364;1,533 million, a 9.3% increase compared with the &#8364;1,403 million recorded for the year ended December 31, 2023, mainly due to the increase in the depreciation expense related to IT equipment especially, in Turkey and Argentina, partially offset by 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%">Provisions or reversal of 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%">Provisions or reversal of provisions for the year ended December 31, 2024 amounted to an expense of &#8364;198 million, a 47.1% decrease compared with the &#8364;373 million expense recorded for the year ended December 31, 2023, mainly due to the impact, in 2023, of the provisions recorded in connection with the February 2023 earthquakes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 was an expense of &#8364;5,745 million, a 29.7% increase compared with the &#8364;4,428 million expense recorded for the year ended December 31, 2023, mainly due to the higher impairment entries in the retail loan portfolios in Mexico and Turkey and, to a lesser extent, in South America, as further explained 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;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;. In addition, the deterioration of macroeconomic conditions and forecast led to higher impairments in Mexico.</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-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, 2024 and 2023:</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 style="width:65.155%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.149%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">Impairment or reversal of impairment on:</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: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%">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:9pt;font-weight:400;line-height:120%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">38.2</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%">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%">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:120%">4,386</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">29.7</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%">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%">5,745</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%">4,428</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">29.7</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%">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, 2024 amounted to &#8364;1 million of income, compared with the &#8364;54 million expense recorded for the year ended 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-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, 2024 amounted to &#8364;77 million, compared with the &#8364;19 million gain recorded for the year ended December 31, 2023, mainly due to the reversal impairment of certain 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-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, 2024 amounted to &#8364;17 million, compared with the &#8364;22 million gains recorded for the year ended 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-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, 2024 amounted to &#8364;15,405 million, a 24.0% increase compared with the &#8364;12,419 million operating profit before tax recorded for the year ended December 31, 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="ia570ea94879c441c92f409d94ecf6dae_16522"></span><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, 2024 amounted to &#8364;4,830 million, a 20.7% increase compared with the &#8364;4,003 million expense recorded for the year ended December 31, 2023, mainly due to the higher operating profit before tax in Mexico 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%">Amounts paid by BBVA under the temporary tax on credit institutions and financial credit establishments in Spain are a non-deductible expense for tax 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-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, 2024 amounted to &#8364;10,575 million, a 25.7% increase compared with the &#8364;8,416 million recorded for the year ended 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-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, 2024 amounted to &#8364;10,054 million, a 25.4% increase compared with the &#8364;8,019 million recorded for the year ended 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-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, 2024 amounted to &#8364;521 million, a 31.2% increase compared with the &#8364;397 million profit attributable to non-controlling interests recorded for the year ended December 31, 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%">104</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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"><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 2023 compared to 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 table below shows the Group&#8217;s consolidated income statements for 2023 and 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:99.893%"><tr><td style="width:1.0%"/><td style="width:56.835%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.923%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">47,850</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:9pt;font-weight:400;line-height:120%">31,432</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%">52.2</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%">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%">(24,761)</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%">(12,309)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">101.2</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 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%">23,089</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%">19,124</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">20.7</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%">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%">118</span></td><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="padding:2px 1pt;text-align: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: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%">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%">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%">27.3</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%">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%">9,899</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8,260</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:9pt;font-weight:400;line-height:120%">19.8</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%">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%">(3,611)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,888)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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"><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:120%">Net gains (losses) on financial assets and liabilities (1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,844</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">178.0</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%">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%">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%">1,275</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">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%">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:400;line-height:120%">17.2</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%">(4,042)</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%">(3,438)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">3,081</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:9pt;font-weight:400;line-height:120%">2,622</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%">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%">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%">(1,821)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,547)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">29,542</span></td><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%">24,743</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">19.4</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%">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%">(10,905)</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%">(9,373)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16.3</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%">(6,530)</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%">(5,601)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16.6</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%">(4,375)</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%">(3,773)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16.0</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 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,403)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5.6</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (2)</span></div></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%">17,233</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%">14,042</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">22.7</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</span></td><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%">(373)</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">28.3</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%">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%">(4,428)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;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%">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%">(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: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%">96.4</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%">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%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(38.8)</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="padding:2px 1pt;text-align: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%">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:120%">(108)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">12,419</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%">10,268</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">20.9</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%">(4,003)</span></td><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%">(3,505)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">8,416</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:700;line-height:120%">6,763</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">24.4</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%">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%">&#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 / (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%">8,416</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%">6,763</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">24.4</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%">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%">8,019</span></td><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%">6,358</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">397</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%">405</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2.1)</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">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%">(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="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><hr style="page-break-after:always"/><div style="min-height: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 the Group&#8217;s consolidated income statements for the years ended December 31, 2023 and 2022 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, 2023 and 2022.</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 style="width:50.363%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.081%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">47,850</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:9pt;font-weight:400;line-height:112%">31,432</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:112%">52.2</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%">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%">(24,761)</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:112%">(12,309)</span></td><td colspan="3" style="padding:2px 1pt;text-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%">101.2</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 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%">23,089</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%">19,124</span></td><td colspan="3" style="padding:2px 1pt;text-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%">20.7</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-weight:400;line-height:120%">Net interest income for the year ended December 31, 2023 amounted to &#8364;23,089 million, a 20.7% increase compared with the &#8364;19,124 million recorded for the year ended December 31, 2022, as interest and other income increased by 52.2% due mainly to the increase in yields and, to a significantly lesser extent, 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 101.2%, mainly driven by higher overall funding costs due to interest rate increases, with liabilities repricing faster than assets. 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 countries where the BBVA Group operates (as described below). At constant exchange rates, net interest income increased by 28.6%. The following factors, set out by region, were the main contributors to the 20.7% 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 31.9% increase mainly as a result of the higher contribution from our wholesale and retail portfolios (in terms of volume and yield) and, to a lesser extent, the securities portfolio (in terms of yield), supported by the appreciation of the Mexican peso against the euro and (with respect to the yield) the higher interest rate environment, partially offset by higher funding costs as a result of the increase in interest rates, and the effect of the appreciation of the Mexican peso against the euro on interest 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">Spain: there was a 48.9% increase mainly as a result of the higher yield of the non-financial corporations loan portfolio, supported by the higher interest rate environment, partially offset by significantly 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">South America: there was a 6.2% increase mainly as a result of increases in the yield and volume of credit card loans and the commercial loan portfolios in the region, partially offset by significantly higher funding costs (particularly, in the wholesale portfolio in Colombia) as a result of increases in interest rates, and the depreciation of the currencies of the main countries where the BBVA Group operates within the region against the euro, which had a greater impact on interest income than on interest expense.</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: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 28.4% decrease mainly as a result of the depreciation of the Turkish lira against the euro and, to a lesser extent, lower swap funding costs, partially offset by the higher volume of Turkish lira-denominated loans (credit card loans and loans to enterprises) and the increase in volume of sovereign debt securities, as a result in part of the increase in the securities maintenance ratio established by the CBRT (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;Business Overview</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#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%">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: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, 2023 amounted to &#8364;118 million, a 4.2% decrease compared with the &#8364;123 million recorded for the year ended December 31, 2022, 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, 2023 amounted to income of &#8364;26 million compared with the income of &#8364;21 million recorded 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;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;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, 2023 and 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 style="width:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">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%">26</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(7.4)</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%">300</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(29.3)</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%">4,665</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33.3</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%">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%">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%">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:400;line-height:120%">8.3</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="background-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%">862</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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: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%">384</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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: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%">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%">259</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18.4</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 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%">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%">420</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12.0</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%">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%">1,407</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%">1,228</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14.5</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%">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%">345</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">29.9</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%">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%">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%">193</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.4</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%">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%">711</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">9,899</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%">8,260</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:9pt;font-weight:700;line-height:120%">19.8</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 19.8% to &#8364;9,899 million for the year ended December 31, 2023 from the &#8364;8,260 million recorded for the year ended December 31, 2022, primarily due to the increased volume of transactions in the main countries where the BBVA Group operates, in particular, credit cards in Mexico, Turkey and Argentina, and the appreciation of the Mexican peso against the euro, partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding 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-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, 2023 and 2022 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 style="width:62.382%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.072%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.072%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.074%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">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: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%">29.9</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%">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%">2,337</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-weight:400;line-height:120%">1,884</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24.0</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%">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%">132</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18.0</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%">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%">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%">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%">(25.7)</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%">111</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.8</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%">961</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">721</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">33.3</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%">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%">3,611</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%">2,888</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">25.0</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 expense increased by 25.0% to &#8364;3,611 million for the year ended December 31, 2023 from the &#8364;2,888 million recorded for the year ended December 31, 2022, primarily due to the increased volume of transactions in the main countries where the BBVA Group operates, in particular, in credit cards, the higher commissions paid for attracting customers to open salary accounts in Turkey and the appreciation of the Mexican peso against the euro, partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding 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-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 increased to &#8364;1,844 million for the year ended December 31, 2023 compared to the net gain of &#8364;663 million recorded for the year ended December 31, 2022, mainly due to the higher gains from the debt securities portfolios in South America and Turkey, higher sales in the Global Markets unit in Spain and Mexico and, to a lesser extent, the increase in gains from the debt securities portfolio in Argentina, partially offset by the negative effect of the appreciation of the Mexican peso on foreign currency hedges within the ALCO portfolio in the Corporate Center and, to a lesser extent, the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico).</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;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, 2023 and 2022:</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 style="width:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">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%">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%">18.7</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%">42</span></td><td colspan="3" style="background-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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(28.9)</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 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%">41</span></td><td colspan="3" style="background-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="padding:2px 1pt;text-align: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="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%">(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%">(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%">153.4</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%">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%">1,352</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">140.8</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%">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%">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-weight:400;line-height:120%">(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%">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%">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%">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%">(36.0)</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%">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%">(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%">(45)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(62.0)</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%">1,844</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">178.0</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 increased by 18.7% to &#8364;76 million in the year ended December 31, 2023 from &#8364;64 million in the year ended December 31, 2022, mainly due to the increase in gains from debt securities in Turkey, partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding 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%">Gains on financial assets and liabilities held for trading increased to &#8364;1,352 million in the year ended December 31, 2023 from &#8364;562 million in the year ended December 31, 2022, mainly as a result of the higher gains from the debt securities portfolios in South America and Turkey, higher sales in the Global Markets unit in Spain and Mexico, supported by the high-volatility environment, partially offset by the negative effect of the appreciation of the Mexican peso on foreign currency hedges within the ALCO portfolio of the Corporate Center and the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding 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%">Gains on non-trading financial assets mandatorily at fair value through profit or loss were &#8364;337 million in the year ended December 31, 2023, compared to the &#8364;67 million loss in the year ended December 31, 2022, primarily due to the higher contribution from the industrial and financial portfolios managed by the Corporate Center as part of the centralized Group functions and the increase in gains from the debt securities portfolio in Argentina.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 36.0% to &#8364;96 million in the year ended December 31, 2023 from &#8364;150 million in the year ended December 31, 2022, mainly as a result of decreased gains from the Global Markets unit in Spain and, to a lesser extent, the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding 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%">Losses from hedge accounting decreased by 62.0% to &#8364;17 million in the year ended December 31, 2023 from &#8364;45 million in the year ended December 31, 2022, as a result of the lower negative changes in the fair value of hedged items (attributable to the hedged risk) in Mexico and 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-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 decreased by 73.4% to a &#8364;339 million gain for the year ended December 31, 2023 from a &#8364;1,275 million gain for the year ended December 31, 2022, mainly as a result of the negative exchange rate differences recognized in Mexico and 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: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, 2023 increased by 17.2% to &#8364;619 million compared with the &#8364;528 million recorded for the year ended December 31, 2022, mainly as a result of the higher income from operating leases in Turkey and, to a lesser extent, higher income from non-financial services related to real estate in Mexico, offset in part by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) and the lower impact of the revaluation of bonds linked to inflation in Turkey (&#8364;1,202 million in 2023 compared to &#8364;1,490 million in 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%">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;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, 2023 amounted to &#8364;4,042 million, a 17.6% increase compared with the &#8364;3,438 million recorded for the year ended December 31, 2022, mainly driven by the loss on the net monetary position resulting from the adjustment for hyperinflation in Argentina (&#8364;1,062 million in 2023 compared to the &#8364;822 million in 2022), the payment of the temporary tax on credit institutions and financial credit establishments in Spain for the first time (totaling &#8364;215 million, which was paid in the year ended December 31, 2023), the greater contribution made to the Deposit Guarantee Fund of Credit Institutions in Mexico and Turkey and the appreciation of the Mexican peso, partially offset by the lower combined contribution made to the ECB&#8217;s Single Resolution Fund and to the Deposit Guarantee Fund in Spain compared to the year ended December 31, 2022, the lower loss on the net monetary position resulting from the adjustment for hyperinflation in Turkey (&#8364;2,118 million in 2023 compared to &#8364;2,323 million in 2022) and the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico). As of December 31, 2023, BBVA had satisfied in full the amount to be paid by it at a global level under the ECB&#8217;s Single Resolution Fund. In addition, the estimated impact of the temporary tax corresponding to the year 2024 is &#8364;285 million and will be recorded in the first quarter of 2024 under &#8220;Other operating 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-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, 2023 was &#8364;3,081 million, a 17.5% increase compared with the &#8364;2,622 million of income recorded for the year ended December 31, 2022, mainly due to the increase in insurance premiums in Mexico and Spain as a result of higher insurance sales and, to a lesser extent, the appreciation of the Mexican peso against the euro, partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding 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%">Expense on insurance and reinsurance contracts for the year ended December 31, 2023 was &#8364;1,821 million, a 17.7% increase compared with the &#8364;1,547 million expense recorded for the year ended December 31, 2022, mainly as a result of a higher claim ratio in Spain and Mexico and the higher insurance premiums paid to third parties in Mexico, mainly driven by the increase in the volume of insurance sales, partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding 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-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, 2023 amounted to &#8364;10,905 million, a 16.3% increase compared with the &#8364;9,373 million recorded for the year ended December 31, 2022, mainly as a result of the higher personnel expenses mainly driven by salary increases (driven by inflation) and, to a lesser extent, an increase in the number of employees in Mexico, Spain and, to a lesser extent, Peru, the increase in certain general expenses related to technology driven to a great extent by the higher average inflation rate in the main countries where the BBVA Group operates and, to a lesser extent, the appreciation of the Mexican peso against the euro, partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding 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 table below provides a breakdown of personnel expense for the years ended December 31, 2023 and 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 style="width:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">5,068</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-weight:400;line-height:120%">4,310</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:9pt;font-weight:400;line-height:120%">17.6</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%">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%">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%">708</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.8</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%">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%">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-weight:400;line-height:120%">87</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">60.2</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%">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%">42</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.2</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%">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%">454</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(3.0)</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%">6,530</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%">5,601</span></td><td colspan="3" style="padding:2px 1pt;text-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%">16.6</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%">109</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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 other administrative expense for the years ended December 31, 2023 and 2022:</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 style="width:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">1,512</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%">1,391</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%">8.7</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%">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%">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:120%">195</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%">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%">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%">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%">266</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%">31.2</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%">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%">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%">440</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%">18.3</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="padding:2px 1pt;text-align: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%">451</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="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%">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: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%">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%">214</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%">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: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%">1,090</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%">897</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%">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: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%">4,375</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%">3,773</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%">16.0</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-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, 2023 was &#8364;1,403 million, a 5.6% increase compared with the &#8364;1,328 million recorded for the year ended December 31, 2022, mainly due to the increase in the depreciation expense related to IT equipment and right-of-use leased assets in Mexico and Turkey and the appreciation of the Mexican peso, partially offset by the decreases in the depreciation expense of right-of-use leased assets 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-style:italic;font-weight:400;line-height:120%">Provisions or reversal of 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%">Provisions or reversal of provisions for the year ended December 31, 2023 amounted to an expense of &#8364;373 million, a 28.3% increase compared with the &#8364;291 million expense recorded for the year ended December 31, 2022, mainly as a result of the increased provisions for pensions and other employee benefit commitments in Spain and Turkey, higher provisions for various purposes in Spain and South America, higher provisions for contingent risks and legal contingencies in Mexico and the provisions recorded in connection with the February 2023 earthquakes in Turkey, partially offset by the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding Mexico) and lower provisions for contingent risks and legal contingencies in Peru.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 was an expense of &#8364;4,428 million, a 31.1% increase compared with the &#8364;3,379 million expense recorded for the year ended December 31, 2022, mainly due to (i) higher Stage 3 entries in the retail loan portfolios (consumer and credit cards) in Mexico and in Spain, as a result, in part, of the high interest rate environment; (ii) higher credit impairment requirements in Stage 3 retail loans in Peru as a result of the expiration of the grace period granted under the Reactiva program in September 2023; (iii) additional credit impairment requirements in consumer loans in Colombia, within an inflationary environment and overall unfavorable macroeconomic conditions; and (iv) the appreciation of the Mexican peso; partially offset by the decrease in the collective expected losses related to the wholesale portfolio in Turkey, as a result of the improved performance of companies which resulted in a lower default rate, and the depreciation of the currencies of the main non-euro countries where the BBVA Group operates (excluding 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 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, 2023 and 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 style="width:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="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%">Impairment or reversal of impairment on:</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: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%">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%">76</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(44.5)</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%">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%">4,386</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%">3,303</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">32.8</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%">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%">4,428</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="padding:2px 1pt;text-align: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="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: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, 2023 amounted to an expense of &#8364;54 million, a 96.4% increase compared with the &#8364;27 million expense recorded for the year ended December 31, 2022, mainly due to higher non-financial assets impairments in Turkey, partially offset by lower non-financial assets impairments in 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%">111</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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, 2023 amounted to &#8364;19 million, a 38.8% decrease compared with the &#8364;31 million gain recorded 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-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%">Gains from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations for the year ended December 31, 2023 amounted to &#8364;22 million, compared with the &#8364;108 million loss recorded for the year ended December 31, 2022, mainly due to higher gains from real estate sales. 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 related 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 &#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;Purchase of Tree Inversiones Inmobiliarias, SOCIMI, S.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A.&#8221; and Note 17 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: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, 2023 amounted to &#8364;12,419 million, a 20.9% increase compared with the &#8364;10,268 million operating profit before tax recorded 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-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, 2023 amounted to &#8364;4,003 million, a 14.2% increase compared with the &#8364;3,505 million expense recorded for the year ended December 31, 2022, mainly due to the higher operating profit before tax, in particular in Spain and Mexico, and 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 year due to the difference between accounting and taxable profit (the current tax regulation in Turkey does not include a provision to reduce tax expense upon the existence of a loss linked to the net monetary position), partially offset by the revaluation for tax purposes of certain non-monetary assets of Garanti BBVA based on inflation as a result of certain changes in Turkey&#8217;s tax regulations during 2023. Amounts paid by BBVA under the temporary tax on credit institutions and financial credit establishments in Spain are a non-deductible expense for tax purposes. Tax expense amounted to 32.2% of operating profit before tax for the year ended December 31, 2023 and 34.1% 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-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, 2023 amounted to &#8364;8,416 million, a 24.4% increase compared with the &#8364;6,763 million recorded 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-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, 2023 amounted to &#8364;8,019 million, a 26.1% increase compared with the &#8364;6,358 million recorded 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-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, 2023 amounted to &#8364;397 million, a 2.1% decrease compared with the &#8364;405 million profit attributable to non-controlling interests recorded 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;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><div id="i22a2e436ff7c462c96898906283f922e_199"></div><hr style="page-break-after:always"/><div style="min-height: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="text-align: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 tables set forth below show the income statements of our operating segments and Corporate Center for the years indicated. In addition, such income statements are 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 consolidated income statement and the income statements of our operating segments and Corporate Center, which are calculated in accordance with management operating segment reporting criteria. In particular:</span></div><div style="text-align:justify"><span><br/></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">in 2024 and 2023, there were no differences between the Group consolidated income statement and the income statements of our operating segments and Corporate Center calculated in accordance with management operating segment reporting criteria; 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">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;text-align:justify;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, following the publication of the consolidated financial statements as of and for the years ended December 31, 2023, 2022 and 2021 included in our annual report on Form 20-F for the year ended December 31, 2023, certain immaterial balance sheet intra-group adjustments between the Corporate Center and the operating segments were reallocated to the corresponding operating segments. In addition, certain expenses related to global projects and activities were reallocated between the Corporate Center and the corresponding operating segments. The income statements of our operating segments and Corporate Center for the years ended December 31, 2023 and 2022 have been revised in conformity with these intra-group adjustments. In addition, the income statements for the year ended December 31, 2022 have been restated to reflect the entry into force of IFRS 17.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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%">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><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:29.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:8.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">For the year ended December 31, 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align: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="display:none"/><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 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%">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%">6,435</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="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11,556</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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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><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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">5,589</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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(546)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">25,267</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">2,329&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">2,443&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">2,111&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">834&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">307&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 colspan="3" style="display:none"/><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%">7,988&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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="2" style="padding:2px 0 2px 1pt;text-align: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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">767&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1,145&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">798&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">406&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3,913&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 (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%">50&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">571&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(535)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,815)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,686)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">9,490</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 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%">15,337</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 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%">4,212</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 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%">5,405</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 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%">1,458</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 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%">(421)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">35,481</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(2,983)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(4,170)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(1,895)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(2,341)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(710)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(561)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">(12,660)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(366)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(477)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(216)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,533)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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="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%">6,140</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 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%">10,689</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 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%">2,101</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 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%">2,838</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 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%">715</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 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%">(1,197)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">21,288</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(682)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(3,098)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(526)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(1,369)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(71)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">(5,745)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(150)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">5,309</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 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%">7,522</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 #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">1,741</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 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%">1,342</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 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%">634</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 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></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">15,405</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(1,522)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(2,074)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(1,014)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(313)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(133)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">225&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">(4,830)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">3,787</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 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%">5,448</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 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%">727</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 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%">1,029</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 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%">500</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 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%">(917)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">10,575</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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 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 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 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 colspan="3" style="display:none"/><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"/></tr><tr><td colspan="3" style="padding: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%">3,787</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 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%">5,448</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 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%">727</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 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%">1,029</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 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%">500</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 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%">(917)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">10,575</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 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 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%">(116)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(394)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">(521)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">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="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">5,447</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 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%">611</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 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%">635</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 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%">500</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 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%">(924)</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 colspan="3" style="display:none"/><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%">10,054</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"/></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">Includes &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of entities accounted for using the equity method&#8221;, &#8220;Income from insurance and reinsurance contracts&#8221;, &#8220;Expense from insurance and reinsurance contracts&#8221;, &#8220;Other operating income&#8221; and &#8220;Other operating 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%">(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="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"><table 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:29.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:8.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">For the year ended December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align: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="display:none"/><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 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%">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%">5,620</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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11,054</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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1,869</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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,394</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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">539</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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(386)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">23,089</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">2,164&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">2,226&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">998&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">700&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">244&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(44)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">6,288&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">409&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">572&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">937&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">633&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">316&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(686)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2,183&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 (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%">(305)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">415&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(824)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,395)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(2,018)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">7,888</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 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%">14,267</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 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%">2,981</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 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%">4,331</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 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%">1,103</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 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%">(1,029)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">29,542</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(2,812)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(3,946)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(1,252)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(1,785)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(560)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(550)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">(10,905)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(383)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(469)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(210)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,403)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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="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%">4,693</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 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%">9,853</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 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%">1,579</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 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%">2,381</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 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%">517</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 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%">(1,789)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">17,233</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(651)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(2,499)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(118)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(1,134)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(28)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">(4,428)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(145)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(386)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">3,897</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 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%">7,329</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 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%">1,324</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 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%">1,189</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 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%">489</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 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%">(1,809)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">12,419</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(1,175)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(2,009)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(702)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(286)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(93)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">262&#160;</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">(4,003)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">2,722</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 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%">5,320</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 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%">622</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 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%">903</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 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%">396</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 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%">(1,547)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">8,416</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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 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 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 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 colspan="3" style="display:none"/><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"/></tr><tr><td colspan="3" style="padding: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%">2,722</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 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%">5,320</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 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%">622</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 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%">903</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 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%">396</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 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%">(1,547)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">8,416</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 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 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%">(95)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(302)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><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%">(397)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">2,720</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 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%">5,319</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 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%">527</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 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%">601</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 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%">396</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 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%">(1,544)</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 colspan="3" style="display:none"/><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%">8,019</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"/></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">Includes &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of entities accounted for using the equity method&#8221;, &#8220;Income from insurance and reinsurance contracts&#8221;, &#8220;Expense from insurance and reinsurance contracts&#8221;, &#8220;Other operating income&#8221; and &#8220;Other operating 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%">(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="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:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.967%"><tr><td style="width:1.0%"/><td style="width:30.504%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.841%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.841%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.976%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.976%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.948%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.489%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.846%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:2px 1pt;text-align: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 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%">3,774</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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2,611</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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,138</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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">19,124</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 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%">1,625&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">602&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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 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 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 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%">5,372&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(214)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(782)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,097)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,691)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">6,112</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 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%">10,734</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-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">3,172</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 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%">4,265</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 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 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 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 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%">24,743</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(2,498)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(3,000)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(933)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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 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 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 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%">(9,373)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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"/></tr><tr><td colspan="3" style="padding: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%">3,210</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 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%">7,336</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 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%">2,111</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 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%">2,290</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 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 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 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 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%">14,042</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 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 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 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 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 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 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 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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><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></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align: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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(107)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(368)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 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="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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 style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">2,610</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 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%">5,620</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 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%">1,636</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 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%">1,434</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 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%">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 #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(1,175)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(134)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">10,268</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">(739)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(1,488)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(1,103)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">(347)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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 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 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%">(3,505)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">1,872</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 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%">4,132</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 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%">533</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 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%">1,087</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 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 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 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 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%">6,763</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 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 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 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 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 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 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 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"/></tr><tr><td colspan="3" style="padding: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%">1,670</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 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%">4,132</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 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%">533</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 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%">1,087</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 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 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 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 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%">6,763</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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 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 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%">(28)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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 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 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 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%">(405)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding: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%">1,667</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 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%">4,131</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 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%">505</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 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%">738</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 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 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 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 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%">6,358</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"/></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; and &#8220;Impairment or reversal of impairment on non-financial assets&#8221; in the table above (totaling &#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 from insurance and reinsurance contracts&#8221;, &#8220;Expense from insurance and reinsurance contracts&#8221;, &#8220;Other operating income&#8221; and &#8220;Other operating 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%">116</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_202"></div><hr style="page-break-after:always"/><div style="min-height: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 2024 Compared with 2023</span></div><div id="i22a2e436ff7c462c96898906283f922e_205"></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 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="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">6,435</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:700;line-height:120%">5,620</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">2,329</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:400;line-height:120%">2,164</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7.7</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 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%">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%">409</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">64.9</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%">(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%">(665)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(50.5)</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%">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%">360</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="padding: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%">9,490</span></td><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%">7,888</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">20.3</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%">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%">(2,983)</span></td><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%">(2,812)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">(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%">(383)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(4.4)</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 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%">6,140</span></td><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%">4,693</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">30.8</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%">(682)</span></td><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%">(651)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.8</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%">(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%">(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%">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: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%">5,309</span></td><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%">3,897</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">36.2</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%">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%">(1,522)</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%">(1,175)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">29.5</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: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%">3,787</span></td><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%">2,722</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:700;line-height:120%">39.1</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 / (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%">&#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%">3,787</span></td><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%">2,722</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:700;line-height:120%">39.1</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%">31.7</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: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%">3,784</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%">2,720</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">39.1</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, 2024 amounted to &#8364;6,435 million, a 14.5% increase compared with the &#8364;5,620 million recorded for the year ended December 31, 2023, mainly as a result of the higher yield of the loans to enterprises and consumer loans, which led to an increase in the customer spread (calculated as the average rate at which assets are remunerated, less the equivalent average rate for deposits), as a result of the impact of the increase in interest rates in 2023 up to the cuts beginning in the second half of 2024 and, to a lesser extent, an increase in the average volume of loan portfolios, partially offset by higher funding costs and the impact of interest rates cuts implemented by the ECB since the second half of 2024 on consumer and household loan portfolios, which are mostly referenced to variable interest rates. The net interest margin over total average assets of this operating segment amounted to 1.46% for the year ended December 31, 2024, compared with 1.27% for the year ended 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-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, 2024 amounted to &#8364;2,329 million, a 7.7% increase compared with the &#8364;2,164 million recorded for the year ended December 31, 2023, mainly due to the increase in the volume of asset management activities and the higher credit card fees.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="if417d14d4e8843b8a9f07bd5021ba84d_7473"></span><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, 2024 was a net gain of &#8364;675 million, a 64.9% increase compared with the &#8364;409 million net gain recorded for the year ended December 31, 2023, mainly as a result of the positive performance of the Global Markets unit and, to a lesser extent, certain ALCO portfolio sales and positive exchange differences. The ALCO portfolio is used to manage the risk of changes in interest rates.</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 id="if417d14d4e8843b8a9f07bd5021ba84d_7465"></span><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, 2024 amounted to a &#8364;329 million expense, a 50.5% decrease compared with the &#8364;665 million expense recorded for the year ended December 31, 2023. The decrease was driven in part by the fact that BBVA was not required to make any contributions to the ECB&#8217;s Single Resolution Fund in the year ended December 31, 2024, since its constitution was completed in 2023, and the lower contribution to the Deposit Guarantee Fund. The decrease was offset in part by the higher expense recorded in connection with the temporary tax on credit institutions and financial credit establishments in Spain (totaling &#8364;285 million in the year ended December 31, 2024, compared to &#8364;215 million in the year ended 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%">On December 21, 2024, Law 7/2024 was published in the Official State Gazette, the ninth Final Provision of which regulates a new tax on the interest margin and commissions of certain financial entities, including Banco Bilbao Vizcaya Argentaria, S.A. The tax is levied on the interest margin and commissions obtained by credit institutions from the activity they carry out in Spain and is applicable to the first three consecutive tax periods that begin on January 1, 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%">Subsequently, Royal Decree-Law 9/2024, which came into force on December 25, 2024, modified certain aspects of the tax approved by Law 7/2024, among other things, the tax period and the accrual of the new tax. However, this Royal Decree-Law has not been validated by the Congress of Deputies so, as of the date of this Annual Report, it is 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%">No impact associated with this tax has been recorded in the Consolidated Financial Statements for the year ended December 31, 2024. See Note 19.6 to the Consolidated Financial Statements for additional information on certain other contributions and 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-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, 2024 was &#8364;379 million, a 5.4% increase compared with the &#8364;360 million income recorded for the year ended December 31, 2023, as a result of increased 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-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, 2024 amounted to &#8364;2,983 million, a 6.1% increase compared with the &#8364;2,812 million recorded for the year ended December 31, 2023, mainly as a result of the increase in general expenses related to IT equipment (driven by inflation), and, to a lesser extent, personnel expenses (driven by salary updates).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 was &#8364;366 million, a 4.4% decrease compared with the &#8364;383 million recorded for the year ended 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-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, 2024 amounted to a &#8364;682 million expense, a 4.8% increase compared with the &#8364;651 million expense recorded for the year ended December 31, 2023, mainly due to higher credit impairment requirements 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, 2024 were a &#8364;150 million expense, a 3.2% increase compared with the &#8364;145 million expense recorded for the year ended 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-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, 2024 was &#8364;5,309 million, a 36.2% increase compared with the &#8364;3,897 million profit recorded for the year ended December 31, 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%">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 id="if417d14d4e8843b8a9f07bd5021ba84d_7471"></span><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, 2024 was &#8364;1,522 million, a 29.5% increase compared with the &#8364;1,175 million expense recorded for the year ended December 31, 2023, as a result of the higher operating profit before tax recorded for the year ended December 31, 2024. The effective tax rate decreased to 28.7% for the year ended December 31, 2024 from 30.1% for the year ended December 31, 2023. Amounts paid by BBVA under the temporary tax on credit institutions and financial credit establishments in Spain are a non-deductible expense for tax 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-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, 2024 amounted to &#8364;3,784 million, a 39.1% increase compared with the &#8364;2,720 million profit recorded for the year ended December 31, 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%">119</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_208"></div><hr style="page-break-after:always"/><div style="min-height: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:99.739%"><tr><td style="width:1.0%"/><td style="width:59.856%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.097%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.097%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.550%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">11,556</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">11,054</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">2,443</span></td><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%">2,226</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.7</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 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%">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:9pt;font-weight:400;line-height:120%">572</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">34.0</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 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%">(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:400;line-height:120%">(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:9pt;font-weight:400;line-height:120%">3.0</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%">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:9pt;font-weight:400;line-height:120%">748</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.1</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%">15,337</span></td><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%">14,267</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:700;line-height:120%">7.5</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%">(4,170)</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%">(3,946)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="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="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="padding:2px 1pt;text-align: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%">(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%">(469)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">10,689</span></td><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%">9,853</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">8.5</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%">(3,098)</span></td><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%">(2,499)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24.0</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%">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%">(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: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%">175.0</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%">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%">7,522</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:700;line-height:120%">7,329</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:700;line-height:120%">2.6</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%">(2,074)</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%">(2,009)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="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="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="padding: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%">5,448</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%">5,320</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.4</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%">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%">(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%">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: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%">5,447</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%">5,319</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">2.4</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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024, the Mexican peso depreciated 3.2% against the euro in average terms compared with the year ended December 31, 2023, resulting in a negative exchange rate effect on the consolidated income statement for the year ended December 31, 2024 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, 2024 amounted to &#8364;11,556 million, a 4.5% increase compared with the &#8364;11,054 million recorded for the year ended December 31, 2023, mainly as a result of the higher contribution from the wholesale and retail loan portfolios (attributable to increases in volume), and the higher contribution from the securities portfolio, partially offset by higher wholesale funding costs and the depreciation of the Mexican peso against the euro. At constant exchange rates, there was an 8.0% increase in net interest income. The net interest margin over total average assets of this operating segment amounted to 6.92% for the year ended December 31, 2024, compared with 6.82% for the year ended 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-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, 2024 amounted to &#8364;2,443 million, a 9.7% increase compared with the &#8364;2,226 million recorded for the year ended December 31, 2023, mainly due to the increased volume of transactions by credit card customers and of asset management activities, offset in part by the depreciation of the Mexican peso against the euro. At constant exchange rates, there was a 13.4% increase in 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-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, 2024 were &#8364;767 million, a 34.0% increase compared with the &#8364;572 million gain recorded for the year ended December 31, 2023, mainly as a result of the higher gains from the Global Markets unit, resulting from foreign currency hedges, and, to a lesser extent, the higher gains from the ALCO portfolio, offset in part by the depreciation of the Mexican peso against the euro. At constant exchange rates, there was a 38.5% increase in net gains on financial assets and liabilities and exchange differences.</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 id="iec1de40dc7284e70b66f25278d87af4c_6855"></span><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, 2024 was a net expense of &#8364;342 million, a 3.0% increase compared with the &#8364;332 million net expense recorded for the year ended December 31, 2023 mainly due to the higher contributions made to the Deposit Guarantee Fund, offset in part by the depreciation of the Mexican peso against the euro</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">At constant exchange rates, there was a 6.4% increase in net 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-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, 2024 was &#8364;913 million, a 22.1% increase compared with the &#8364;748 million net income recorded for the year ended December 31, 2023, due mainly to the increase in insurance premiums, attributable in part to higher insurance sales partially offset mainly by the higher insurance premiums paid to third parties.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 were &#8364;4,170 million, a 5.7% increase compared with the &#8364;3,946 million recorded for the year ended December 31, 2023, mainly as a result of the higher personnel expenses driven by the increase in the number of employees and the higher salaries, and the higher general expenses related to value added tax, partially offset by the depreciation of the Mexican peso against the euro. At constant exchange rates, administration costs increased by 9.2%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 was &#8364;477 million, a 1.8% increase compared with the &#8364;469 million recorded for the year ended December 31, 2023.</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%">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, 2024 was a &#8364;3,098 million expense, a 24.0% increase compared with the &#8364;2,499 million expense recorded for the year ended December 31, 2023, mainly due to higher impairment entries in the retail loan portfolio (in particular, credit cards and consumer loans, which are loans that generally entail greater profitability but also carry a greater default risk), within a context of deteriorating macroeconomic conditions and forecast (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;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;). </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 were a &#8364;69 million expense</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:10pt;font-weight:400;line-height:120%">compared with the &#8364;25 million expense recorded for the year ended December 31, 2023, mainly due to the impairment of a guarantee on a leasing transaction.</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><hr style="page-break-after:always"/><div style="min-height: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%">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, 2024 was &#8364;7,522 million, a 2.6% increase compared with the &#8364;7,329 million of operating profit before tax recorded for the year ended 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-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, 2024 was &#8364;2,074 million, a 3.2% increase compared with the &#8364;2,009 million expense recorded for the year ended December 31, 2023, mainly as a result of the higher operating profit before tax. The effective tax rate amounted to 27.6% of operating profit before tax for the year ended December 31, 2024, and 27.4% for the year ended 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-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, 2024 amounted to &#8364;5,447 million, a 2.4% increase compared with the &#8364;5,319 million recorded for the year ended December 31, 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%">122</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_211"></div><hr style="page-break-after:always"/><div style="min-height: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: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 style="width:59.856%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.251%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.251%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.242%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">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%">1,869</span></td><td colspan="3" style="padding:2px 1pt;text-align: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><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">2,111</span></td><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%">998</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">111.5</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%">1,145</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%">937</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.1</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 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%">(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:9pt;font-weight:400;line-height:120%">(887)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(32.9)</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%">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%">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-weight:400;line-height:120%">63</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="padding: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%">4,212</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%">2,981</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">41.3</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%">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%">(1,895)</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%">(1,252)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">51.3</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="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="padding:2px 1pt;text-align: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%">(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%">(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%">44.3</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%">2,101</span></td><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%">1,579</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:700;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%">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%">(526)</span></td><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%">(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%">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 1pt;text-align: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><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">1,741</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%">1,324</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:700;line-height:120%">31.5</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%">(1,014)</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%">(702)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="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="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="padding: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%">727</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%">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:700;line-height:120%">16.9</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%">(116)</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%">(95)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">22.6</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%">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%">611</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%">527</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">15.9</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">&#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%">As of December 31, 2024, the Turkish lira depreciated by 11.1% against the euro compared to December 31, 2023 (i.e., the year-end exchange rates of the Turkish lira used by the Group to convert income statement items pursuant to IAS 21 for the years ended December 31, 2024 and 2023, respectively), adversely affecting the results of operations of the Turkey operating segment for the year ended December 31, 2024 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</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 has been considered to be hyperinflationary as defined by IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#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;Hyperinflationary Economies</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. Regulation and monetary policy, including the liraization strategy adopted by the CBRT to protect the Turkish lira, has affected this operating segment. 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;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%">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, 2024 amounted to &#8364;1,492 million, a 20.2% decrease compared with the &#8364;1,869 million recorded for the year ended December 31, 2023, as a result mainly of the depreciation of the Turkish lira against the euro, higher interest expense on Turkish lira-denominated deposits (due to the higher volume of deposits and the higher interest rates paid on them) and the higher wholesale and swap funding costs (which were affected by the reserve requirement for foreign currency deposits, which was set at 8% as of February 2024 and amended in September 2024 and November 2024 to 5% and 4%, respectively; and which requires Garanti BBVA to make Turkish lira-denominated deposits with the CBRT in such proportion with respect to all foreign currency-denominated deposits and participation funds, excluding those obtained from banks abroad, regardless of their maturities). The year-on-year decrease was partially offset by the higher volume and yield of Turkish lira-denominated loans and the increase in volume and yield of sovereign debt securities, as a result in part &#8211;with respect to the increases in the volumes of Turkish lira-denominated loans and sovereign debt securities- of the measures adopted by the CBRT (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;Business Overview&#8212;Supervision and Regulation&#8212;Principal Markets&#8212;Turkey&#8221;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">). At constant exchange rates, there was a 10.4% decrease in net interest income. The net interest margin over total average assets of this operating segment amounted to 2.06% for the year ended December 31, 2024, compared with 2.71% for the year ended December 31, 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%">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><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 amounted to &#8364;2,111 million compared with the &#8364;998 million recorded for the year ended December 31, 2023, mainly as a result of the increase in payment systems fees (fees related to credit and debit cards and POS) supported by the increase in the maximum credit card fees banks may charge in Turkey pursuant to the regulation established by the CBRT (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;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;), 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, 2024 amounted to &#8364;1,145 million, a 22.1% increase compared with the &#8364;937 million gain recorded for the year ended December 31, 2023, mainly driven by gains from foreign currency hedges, offset in part by lower positive exchange differences compared to 2023, the depreciation of the Turkish lira and, to a lesser extent, lower gains from the Global Markets unit due to lower sales. At constant exchange rates, net gains on financial assets and liabilities and exchange differences increased by 34.5%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="i1f9d22f4477147bfb2949a9c622a8ae7_10405"></span><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, 2024 was a &#8364;595 million net expense, a 32.9% decrease compared with the &#8364;887 million net expense recorded for the year ended December 31, 2023, mainly due to the </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">lower loss on the net monetary position resulting from the adjustment for hyperinflation (&#8364;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1,512</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 and &#8364;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2,118</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 in the years ended December 31, 2024 and 2023, respectively) and, to a lesser extent, the depreciation of the Turkish lira against the euro, partially offset by certain sales of non-financial services and the lower positive impact of the revaluation of bonds linked to inflation in the period (&#8364;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1,164</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 and &#8364;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1,202</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, respectively, in the years ended December 31, 2024 and 2023)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. At constant exchange rates, there was a 42.1% decrease in net expense. 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 Hyperinflationary Economies</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%">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, 2024 was &#8364;60 million, a 4.3% decrease compared with the &#8364;63 million income recorded for the year ended December 31, 2023. At constant exchange rates, there was a 5.2% 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%">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, 2024 amounted to &#8364;1,895 million, a 51.3% increase compared with the &#8364;1,252 million recorded for the year ended December 31, 2023, mainly as a result of the increase in personnel expenses, driven by the increase in salaries (mainly driven by inflation) and, to a lesser extent, the number of employees, and the increase in general expenses (technology, outsourced services and maintenance) driven to a great extent by the higher average inflation rates, partially offset by the depreciation of the Turkish lira. At constant exchange rates, administration costs increased by 69.4%, which was above Turkey&#8217;s inflation rate for 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-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, 2024 was &#8364;216 million, a 44.3% increase compared with the &#8364;150 million recorded for the year ended December 31, 2023, mainly as a result of the increase in the depreciation expense related to IT equipment, offset in part by the depreciation of the Turkish lira. At constant exchange rates, there was a 55.0% increase.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="i1f9d22f4477147bfb2949a9c622a8ae7_10409"></span><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, 2024 was a &#8364;526 million expense compared with the &#8364;118 million expense recorded for the year ended December 31, 2023, mainly as a result of the increase in the expected losses related to the retail portfolio (mainly credit card and consumer loans, which volumes increased and also experienced greater deterioration), partially offset by the depreciation of the Turkish lira and the higher reversal of impairment on the wholesale portfolio compared to 2023. The year ended December 31, 2023 was affected by the change in the staging of certain loans from Stage 1 to Stage 2, due to the impact of the earthquakes in February 2023 and certain significant Stage 3 entries in the retail and wholesale portfolios.</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%">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, 2024 were a &#8364;165 million income compared with the &#8364;137 million expense recorded for the year ended December 31, 2023, mainly due to the impact, in 2023, of the provisions recorded in connection with the February 2023 earthquakes, and increases in the value of certain real estate assets in 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-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, 2024 was &#8364;1,741 million, a 31.5% increase compared with the &#8364;1,324 million recorded for the year ended December 31, 2023. At constant exchange rates, operating profit before tax increased by 83.3%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="i1f9d22f4477147bfb2949a9c622a8ae7_10384"></span><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, 2024 was &#8364;1,014 million, a 44.4% increase compared with the &#8364;702 million expense recorded for the year ended December 31, 2023, mainly as a result of the increase in operating profit before tax recorded for the year ended December 31, 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%">Current tax regulation in Turkey does not include a provision to reduce tax expense upon the existence of a loss linked to the net monetary position. The effective tax rate amounted to 58.2% of operating profit before tax of this operating segment for the year ended December 31, 2024 and 53.0% for the year ended 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-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, 2024 amounted to &#8364;116 million, a 22.6% increase compared with the &#8364;95 million recorded for the year ended December 31, 2023, as a result, in part, of the increase in 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, 2024 amounted to &#8364;611 million, a 15.9% increase compared with the &#8364;527 million recorded for the year ended December 31, 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%">125</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_214"></div><hr style="page-break-after:always"/><div style="min-height: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:99.739%"><tr><td style="width:1.0%"/><td style="width:59.856%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.251%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.251%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.242%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">5,589</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,394</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">27.2</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 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%">834</span></td><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%">700</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19.1</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%">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%">633</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26.0</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 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%">(1,935)</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%">(1,491)</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:400;line-height:120%">29.7</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%">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%">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%">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%">24.9</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%">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%">5,405</span></td><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%">4,331</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">24.8</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%">(2,341)</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%">(1,785)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">31.2</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="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="padding:2px 1pt;text-align: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%">(226)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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><td colspan="3" style="padding:2px 1pt;text-align: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: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%">2,838</span></td><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%">2,381</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;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%">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%">(1,369)</span></td><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%">(1,134)</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%">20.7</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%">(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%">(58)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">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-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%">1,342</span></td><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%">1,189</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:700;line-height:120%">12.8</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%">(313)</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%">(286)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.3</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="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="padding: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%">1,029</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%">903</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">14.0</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%">(394)</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%">(302)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">30.5</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%">635</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%">601</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024, the Argentine peso depreciated by 16.8% against the euro (considering the period-end exchange rates used to convert income statement items for the years ended December 31, 2024 and 2023, respectively, pursuant to IAS 21). On the other hand, the Colombian peso appreciated by 6.2% against the euro in average terms, compared with the year ended December 31, 2023. The Peruvian sol remained practically unchanged against the euro in average terms, compared with the year ended December 31, 2023. Overall, changes in exchange rates resulted in a negative exchange rate effect on the consolidated income statement for the year ended December 31, 2024 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 and for the years ended December 31, 2024 and 2023, the Argentine and Venezuelan economies were considered to be hyperinflationary as defined by IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#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;Hyperinflationary Economies&#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, 2024 amounted to &#8364;5,589 million, a 27.2% increase compared with the &#8364;4,394 million recorded for the year ended December 31, 2023, mainly as a result of increases in the volume and yield of credit card loans and the commercial loan portfolios in Argentina and Colombia, partially offset by higher funding costs, particularly in Argentina as a result of increases in interest rates, and the depreciation of the Argentine peso against the euro. At constant exchange rates, there was a 31.9% increase in net interest income. The net interest margin over total average assets of this operating segment amounted to 8.33% for the year ended December 31, 2024, compared with 6.71% for the year ended 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-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, 2024 amounted to &#8364;834 million of income, a 19.1% increase compared with the &#8364;700 million of income recorded for the year ended December 31, 2023, mainly due to increases in payment systems-related fees (in particular, related to credit cards), as a result of increases in the volume of transactions and commission rates, especially in Argentina, partially offset by the depreciation of the Argentine peso against the euro. At constant exchange rates, there was a 21.5% 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%">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%">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, 2024 were &#8364;798 million, a 26.0% increase compared with the &#8364;633 million gain recorded for the year ended December 31, 2023, mainly due to the higher gains from the ALCO portfolio in Argentina, partially offset by the depreciation of the Argentine peso against the euro. At constant exchange rates, net gains on financial assets and liabilities and exchange differences, net, increased by 33.3%.</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-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, 2024 was a &#8364;1,935 million expense, a 29.7% increase compared with the &#8364;1,491 million expense recorded for the year ended December 31, 2023, mainly driven by the higher loss on the net monetary position resulting from the adjustment for hyperinflation in Argentina</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, which resulted in a monetary loss of &#8364;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1,419</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 in the year ended </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December 31, 2024</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, compared to the &#8364;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1,062</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 monetary loss recorded for the year ended </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December 31, 2023, partially offset by the depreciation of the Argentine peso against the euro. At constant exchange rates, the net expense increased by 31.8%.</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%">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, 2024 was &#8364;120 million, a 24.9% increase compared with the &#8364;96 million income recorded for the year ended December 31, 2023, mainly as a result of higher income related to life insurance in Colombia and, to a lesser extent, Argentina, partially offset by the depreciation of 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: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, 2024 amounted to &#8364;2,341 million, a 31.2% increase compared with the &#8364;1,785 million recorded for the year ended December 31, 2023, mainly as a result of increases in personnel expenses, mainly driven by salary updates (aimed at compensating the loss of purchasing power due to inflation) and certain general expenses related to technology (affected by the high inflation) in Argentina, partially offset by the depreciation of the Argentine peso against the euro. At constant exchange rates, administration costs increased by 33.8%.</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%">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, 2024 was &#8364;226 million, a 36.4% increase compared with the &#8364;165 million recorded for the year ended December 31, 2023, mainly due to the increase in the depreciation expense related to IT equipment in Argentina. At constant exchange rates, depreciation and amortization increased by 36.5%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 was a &#8364;1,369 million expense, a 20.7% increase compared with the &#8364;1,134 million expense recorded for the year ended December 31, 2023, mainly as a result of higher credit impairment requirements in retail loans, within an inflationary and high interest environment, in Colombia and Peru (where default rates are starting to increase), and the larger loan portfolio. At constant exchange rates, impairment on financial assets not measured at fair value through profit or loss or net gains by modification increased by 21.0%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 were a &#8364;127 million expense compared with the &#8364;58 million expense recorded for the year ended December 31, 2023, attributable mainly to the higher provisions for property, plant and equipment in Argentina, partially offset by the depreciation of 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: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, 2024 was &#8364;1,342 million, a 12.8% increase compared with the &#8364;1,189 million recorded for the year ended December 31, 2023. At constant exchange rates, there was a 28.1% 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%">Tax expense or income related to profit or loss from continuing 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%">127</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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%">Tax expense related to profit from continuing operations of this operating segment for the year ended December 31, 2024 was &#8364;313 million, a 9.3% increase compared with the &#8364;286 million expense recorded for the year ended December 31, 2023, as a result mainly of the higher operating profit before tax, partially offset by the impact of hyperinflation-related adjustments in Argentina. At constant exchange rates (and excluding the impact of the hyperinflation-related adjustments in Argentina), tax expense or income related to profit or loss from continuing operations increased by 32.5%. The effective tax rate amounted to 23.3% of operating profit before tax for the year ended December 31, 2024, and 24.1% for the year ended 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-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, 2024 amounted to &#8364;394 million, a 30.5% increase compared with the &#8364;302 million recorded for the year ended December 31, 2023, mainly due to the higher operating profit before tax. At constant exchange rates, there was a 46.3% 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%">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, 2024 amounted to &#8364;635 million, a 5.6% increase compared with the &#8364;601 million recorded for the year ended December 31, 2023. At constant exchange rates, there was a 17.1% 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%">128</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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 style="width:59.454%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.383%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.383%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.380%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">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:700;line-height:120%">539</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">37.6</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%">307</span></td><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%">244</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">406</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">316</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">28.2</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%">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%">&#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: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%">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%">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%">(51.3)</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%">1,458</span></td><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%">1,103</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;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%">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%">(710)</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%">(560)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26.8</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="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="padding:2px 1pt;text-align: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%">(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%">(26)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">25.5</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%">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%">715</span></td><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%">517</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">38.4</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%">(71)</span></td><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%">(28)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">155.9</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%">(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: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. (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%">634</span></td><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%">489</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">29.7</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: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%">(133)</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%">(93)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">44.0</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="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="padding: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%">500</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%">396</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;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%">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%">500</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%">396</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">26.3</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">&#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, 2024, the U.S. dollar remained practically unchanged against the euro in average terms, compared with the year ended December 31, 2023. 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, 2024 amounted to &#8364;741 million, a 37.6% increase compared with the &#8364;539 million recorded for the year ended December 31, 2023, mainly due to increase in the corporate and investment banking activity of the branches located in Europe and New York, supported by the increase in loan activity and an adequate price management. The net interest margin over total average assets of this operating segment amounted to 1.31% for the year ended December 31, 2024 compared with 1.01% for the year ended 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-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, 2024 amounted to &#8364;307 million, a 25.8% increase compared with the &#8364;244 million recorded for the year ended December 31, 2023 as a result of increased investment banking 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-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, 2024 was &#8364;406 million, a 28.2% increase compared with the &#8364;316 million net gain recorded for the year ended December 31, 2023, mainly due to the higher gains from the Global Markets units in Europe and the higher gains from the broker-dealer BBVA Securities Inc., partially offset by negative exchange differences.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 was &#8364;2 million income, compared with nil for the year ended 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-style:italic;font-weight:400;line-height:120%">Income and expense on insurance and reinsurance contracts</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-weight:400;line-height:120%">Income on insurance and reinsurance contracts for the year ended December 31, 2024 was &#8364;2 million, compared with the &#8364;3 million of income recorded for the year ended 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-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, 2024 amounted to &#8364;710 million, a 26.8% increase compared with the &#8364;560 million recorded for the year ended December 31, 2023, mainly due to increases in personnel expenses, due to the increase in the number of employees, and in marketing expenses in the branches located in New York and 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-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, 2024 was &#8364;33 million, a 25.5%</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:10pt;font-weight:400;line-height:120%">increase compared with the &#8364;26 million recorded for the year ended 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-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, 2024 was a &#8364;71 million expense</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:10pt;font-weight:400;line-height:120%">compared with the &#8364;28 million expense recorded for the year ended December 31, 2023, mainly as a result of the higher credit impairment requirements related to certain new impairment entries in the wholesale loans portfolio 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-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, 2024 were an &#8364;11 million expense compared with the &#8364;1 million expense recorded for the year ended 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-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, 2024 was &#8364;634 million, a 29.7% increase compared with the &#8364;489 million recorded for the year ended 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-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, 2024 was &#8364;133 million, a 44.0% increase compared with the &#8364;93 million expense recorded for the year ended December 31, 2023 due, mainly, to the increase 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, 2024 amounted to &#8364;500 million, a 26.3% increase compared with the &#8364;396 million recorded for the year ended December 31, 2023.</span></div><div style="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%">130</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_220"></div><hr style="page-break-after:always"/><div style="min-height: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:99.739%"><tr><td style="width:1.0%"/><td style="width:59.856%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.251%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.251%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.242%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align: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 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%">(546)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(386)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">41.3</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 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%">(44)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(18.0)</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%">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%">(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: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%">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:9pt;font-weight:400;line-height:120%">89</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(58.3)</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%">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%">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%">(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%">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%">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%">(421)</span></td><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%">(1,029)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(59.1)</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%">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%">(561)</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%">(550)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.9</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="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="padding:2px 1pt;text-align: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%">(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%">(210)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.5</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net margin before provisions (3)</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1,197)</span></td><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%">(1,789)</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%">(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%">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</span></td><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</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">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:9pt;font-weight:400;line-height:120%">(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%">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%">(1,142)</span></td><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%">(1,809)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(36.9)</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%">225</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%">262</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">(917)</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%">(1,547)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(40.7)</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="padding: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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(917)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(1,547)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(40.7)</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 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%">(7)</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%">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) 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%">(924)</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%">(1,544)</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%">(40.2)</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">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, 2024 was &#8364;546 million, a 41.3% increase compared with the &#8364;386 million net expense recorded for the year ended December 31, 2023, mainly due to higher funding costs of investments as a result of higher interest 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-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, 2024 amounted to a &#8364;36 million expense, an 18.0% decrease compared with the &#8364;44 million expense recorded for the year ended December 31, 2023, mainly as a result of the lower fees paid in connection with the debt issuances carried out by 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: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, 2024 were &#8364;122 million compared with the &#8364;686 million net losses recorded for the year ended December 31, 2023, mainly as a result of the gains from certain foreign currency hedges (recorded in the ALCO portfolio of the Corporate Center) on the estimated results of the operating segments resulting from the impact of the depreciation of the Mexican peso and positive exchange differences.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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 the Corporate Center for the year ended December 31, 2024 was &#8364;37 million of net income, a 58.3% decrease compared with the &#8364;89 million net income recorded for the year ended December 31, 2023, mainly due to the expenses on the subscription of bonds issued by the Central Bank of Argentina.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 amounted to &#8364;561 million, a 1.9% increase compared with the &#8364;550 million recorded for the year ended December 31, 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%">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%">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 year ended December 31, 2024 was &#8364;215 million, a 2.5% increase compared with the &#8364;210 million recorded for the year ended 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-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, 2024 were &#8364;54 million of income, compared with the &#8364;21 million expense recorded for the year ended December 31, 2023, mainly due to the reversal of provisions related to certain investments in 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-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, 2024 was &#8364;1,142 million, a 36.9% decrease compared with the &#8364;1,809 million loss recorded for the year ended December 31, 2023.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span id="i54af781d958b4da38c896f65dae1e00d_3535"></span><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 loss from continuing operations of the Corporate Center for the year ended December 31, 2024 amounted to &#8364;225 million, a 14.2% decrease compared with the &#8364;262 million income recorded for the year ended December 31, 2023 mainly due to the lower operating 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-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, loss attributable to parent company of the Corporate Center for the year ended December 31, 2024 was &#8364;924 million, a 40.2% decrease compared with the &#8364;1,544 million loss recorded for the year ended December 31, 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%">132</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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;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 2023 Compared with 2022</span></div><div id="i22a2e436ff7c462c96898906283f922e_226"></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 style="width:58.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.458%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">5,620</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">3,774</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">48.9</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 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%">2,164</span></td><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="padding:2px 1pt;text-align: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%">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%">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-weight:400;line-height:120%">396</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.4</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%">(665)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16.8</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%">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%">355</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.3</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%">7,888</span></td><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%">6,112</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:700;line-height:120%">29.1</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%">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%">(2,812)</span></td><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%">(2,498)</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: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: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%">(383)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">(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: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%">4,693</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:700;line-height:120%">3,210</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">46.2</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%">(651)</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">24.5</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%">(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%">(78)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">86.6</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%">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%">3,897</span></td><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%">2,610</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:700;line-height:120%">49.3</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: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%">(1,175)</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:400;line-height:120%">(739)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">59.1</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 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%">2,722</span></td><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%">1,872</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">45.5</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) 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%">(201)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">2,722</span></td><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%">1,670</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">63.0</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: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%">(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%">(31.9)</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: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%">2,720</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%">1,667</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">63.2</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">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, 2023 amounted to &#8364;5,620 million, a 48.9% increase compared with the &#8364;3,774 million recorded for the year ended December 31, 2022, mainly as a result of the higher yield of the non-financial corporations loan portfolio, supported by the higher interest rate environment, partially offset by significantly higher funding costs. Net interest income of this operating segment for the years ended December 31, 2023 and 2022 includes the interest accrued from funds obtained under the TLTRO III program. The repayment of the TLTRO III program was initiated in December 2022 (for an approximate amount of &#8364;35,000&#160;million since then) and the outstanding balance of amounts drawn under the TLTRO III facilities totaled &#8364;3,660 million as of December 31, 2023. The net interest margin over total average assets of this operating segment amounted to 1.27% for the year ended December 31, 2023, compared with 0.89% 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-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, 2023 amounted to &#8364;2,164 million, a 0.4% increase compared with the &#8364;2,156 million recorded 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-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, 2023 was a net gain of &#8364;409 million, a 3.4% increase compared with the &#8364;396 million net gain recorded for the year ended December 31, 2022, 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 in 2012 (pursuant to which the Spanish Deposit Guarantee Fund agreed to assume 80% of any losses related to a particular asset portfolio for a period of 10 years, after making use of the then-existing 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;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><hr style="page-break-after:always"/><div style="min-height: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 net operating expense of this operating segment for the year ended December 31, 2023 amounted to &#8364;665 million, a 16.8% increase compared with the &#8364;569 million expense recorded for the year ended December 31, 2022, mainly due to the payment, in Spain, of the temporary tax on credit institutions and financial credit establishments for the first time (totaling &#8364;215 million, which was paid in the year ended December 31, 2023), partially offset by the lower combined contribution made to the ECB&#8217;s Single Resolution Fund and to the Deposit Guarantee Fund compared to the year ended December 31, 2022. As of December 31, 2023, BBVA had satisfied in full the amount to be paid by it at a global level under the ECB&#8217;s Single Resolution Fund. In addition, the estimated impact of the temporary tax corresponding to the year 2024 is &#8364;285 million and will be recorded in the first quarter of 2024 under &#8220;Other operating 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-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, 2023 was &#8364;360 million, a 1.3% increase compared with the &#8364;355 million recorded for the year ended December 31, 2022, mainly due to the increase in insurance premiums as a result of higher insurance sales, which was offset by the higher claim 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-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, 2023 amounted to &#8364;2,812 million, a 12.6% increase compared with the &#8364;2,498 million recorded for the year ended December 31, 2022, mainly as a result of the higher personnel expenses mainly driven by salary increases (driven by inflation) and, to a lesser extent, an increase in the number of employees, and higher general expenses related to IT equipment, which were also affected by inflation.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 was &#8364;383 million, a 5.1% decrease compared with the &#8364;404 million recorded for the year ended December 31, 2022, mainly due to decreases in the depreciation expense of right-of-use leased 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-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, 2023 amounted to a &#8364;651 million expense, a 24.5% increase compared with the &#8364;522 million expense recorded for the year ended December 31, 2022, mainly due to the increase in credit impairments in the retail loan portfolio, with certain Stage 3 entries, as a result, in part, of the 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-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, 2023 were a &#8364;145 million expense, an 86.6% increase compared with the &#8364;78 million expense recorded for the year ended December 31, 2022, mainly due to the increased provisions for pensions and other employee benefit commitments, higher provisions for various purposes and higher legal contingencies, partially offset by lower non-financial assets impairments. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 was &#8364;3,897 million, a 49.3% increase compared with the &#8364;2,610 million profit recorded 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-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, 2023 was &#8364;1,175 million, a 59.1% increase compared with the &#8364;739 million expense recorded for the year ended December 31, 2022, as a result of the higher operating profit before tax recorded for the year ended December 31, 2023. The effective tax rate increased to 30.1% for the year ended December 31, 2023 from 28.3% for the year ended December 31, 2022. Amounts paid by BBVA under the temporary tax on credit institutions and financial credit establishments in Spain are a non-deductible expense for tax 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-style:italic;font-weight:700;line-height:120%">Profit / (loss) from discontinued operations, net and Other</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-weight:400;line-height:120%">Loss from discontinued operations, net and Other of this operating segment for the year ended December 31, 2023 was nil compared with the &#8364;201 million loss recorded for the year ended December 31, 2022. Loss from discontinued operations, net and Other for the year ended December 31, 2022 included the loss recorded in connection with the acquisition of Tree Inversiones Inmobiliarias, SOCIMI, S.A. from Merlin Properties in June 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;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; and Note 17 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%">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, 2023 amounted to &#8364;2,720 million, a 63.2% increase compared with the &#8364;1,667 million profit recorded 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;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="i22a2e436ff7c462c96898906283f922e_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: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 style="width:58.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.458%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">11,054</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">31.9</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 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%">2,226</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:400;line-height:120%">1,625</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">37.0</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%">572</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">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%">(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%">(297)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">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%">588</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">14,267</span></td><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%">10,734</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">32.9</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%">(3,946)</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%">(3,000)</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%">31.5</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="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="padding:2px 1pt;text-align: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%">(469)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17.9</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%">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%">9,853</span></td><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%">7,336</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">34.3</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%">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%">(2,499)</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">47.6</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%">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%">(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%">(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%">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: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%">7,329</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%">5,620</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">(2,009)</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%">(1,488)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">35.0</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="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="padding: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%">5,320</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%">4,132</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">28.8</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%">(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%">(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%">&#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%">5,319</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%">4,131</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">28.8</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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2023, the Mexican peso appreciated 10.4% against the euro in average terms compared with the year ended December 31, 2022, resulting in a positive exchange rate effect on the consolidated income statement for the year ended December 31, 2023 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, 2023 amounted to &#8364;11,054 million, a 31.9% increase compared with the &#8364;8,378 million recorded for the year ended December 31, 2022, mainly as a result of the higher contribution from our wholesale and retail portfolios (in terms of volume and yield) and, to a lesser extent, the securities portfolio (in terms of yield), supported by the appreciation of the Mexican peso against the euro and (with respect to the yield) the higher interest rate environment, partially offset by higher funding costs as a result of the increase in interest rates, and the effect of the appreciation of the Mexican peso against the euro on interest expense. At constant exchange rates, there was a 19.5% increase in net interest income. The net interest margin over total average assets of this operating segment amounted to 6.82% for the year ended December 31, 2023, compared with 6.10% 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-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, 2023 amounted to &#8364;2,226 million, a 37.0% increase compared with the &#8364;1,625 million recorded for the year ended December 31, 2022, 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.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 were &#8364;572 million, a 30.3% increase compared with the &#8364;439 million gain recorded for the year ended December 31, 2022, mainly as a result of increased sales in the Global Markets unit in Mexico and the appreciation of the Mexican peso against the euro, partially offset by the lower contribution from the ALCO portfolio, due, in part, to a negative impact of a bond swap transaction recorded in the third quarter of 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%">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%">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, 2023 was a net expense of &#8364;332 million, an 11.9% increase compared with the &#8364;297 million net expense recorded for the year ended December 31, 2022, mainly as a result of the appreciation of the Mexican peso against the euro and the higher contributions made to the Deposit Guarantee Fund, partially offset by the higher income from non-financial services related to real estate.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 was &#8364;748 million, a 27.2% increase compared with the &#8364;588 million net income recorded for the year ended December 31, 2022, due mainly to the increase in insurance premiums, attributable in part to higher insurance sales 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%">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, 2023 were &#8364;3,946 million, a 31.5% increase compared with the &#8364;3,000 million recorded for the year ended December 31, 2022, mainly as a result of the higher personnel expenses driven by salary increases (driven by inflation) and the increased number of employees, higher general expenses related to IT equipment and marketing as a result of the high inflation rate, and the appreciation of the Mexican peso against the euro. At constant exchange rates, administration costs increased by 19.1%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 was &#8364;469 million, a 17.9% increase compared with the &#8364;398 million recorded for the year ended December 31, 2022, mainly due to the appreciation of the Mexican peso against the euro and the increase in the depreciation expense related to IT equipment and right-of-use leased 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-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, 2023 was a &#8364;2,499 million expense, a 47.6% increase compared with the &#8364;1,693 million expense recorded for the year ended December 31, 2022, mainly due to higher Stage 3 entries in the retail loan portfolio (in particular, consumer and credit cards), as a result, in part, of the high interest rate environment, and the appreciation of the Mexican peso against the euro, partially offset by certain write offs.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 were a &#8364;25 million expense, a 5.0% increase compared with the &#8364;24 million expense recorded for the year ended December 31, 2022, mainly due to higher provisions for contingent risks and 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, 2023 was &#8364;7,329 million, a 30.4% increase compared with the &#8364;5,620 million of operating profit before tax recorded 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-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, 2023 was &#8364;2,009 million, a 35.0% increase compared with the &#8364;1,488 million expense recorded for the year ended December 31, 2022, mainly as a result of the higher operating profit before tax. The effective tax rate amounted to 27.4% of operating profit before tax for the year ended December 31, 2023, and 26.5% 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-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, 2023 amounted to &#8364;5,319 million, a 28.8% increase compared with the &#8364;4,131 million recorded 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;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="i22a2e436ff7c462c96898906283f922e_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;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 style="width:58.313%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.869%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.560%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.858%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">1,869</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:9pt;font-weight:700;line-height:120%">2,611</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:700;line-height:120%">(28.4)</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%">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%">998</span></td><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%">602</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">65.9</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%">937</span></td><td colspan="3" style="padding:2px 1pt;text-align: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:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26.4</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%">(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:400;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: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%">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%">41</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55.3</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%">2,981</span></td><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%">3,172</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:700;line-height:120%">(6.0)</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%">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%">(1,252)</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%">(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%">34.3</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="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="padding:2px 1pt;text-align: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%">(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%">(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:9pt;font-weight:400;line-height:120%">16.4</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 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%">1,579</span></td><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%">2,111</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(25.2)</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%">(118)</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(69.4)</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%">(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%">(88)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">55.4</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%">1,324</span></td><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%">1,636</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(19.1)</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%">(702)</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%">(1,103)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="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="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="padding: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%">622</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%">533</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">16.7</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%">(95)</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%">(28)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">243.9</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%">527</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%">505</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.3</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">&#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%">As of December 31, 2023, the Turkish lira depreciated by 38.9% (considering the period-end exchange rates) against the euro compared to December 31, 2022, adversely affecting the results of operations of the Turkey operating segment for the year ended December 31, 2023 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</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 has been considered to be hyperinflationary as defined by IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#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&#8213;Hyperinflationary Economies</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, 2023 amounted to &#8364;1,869 million, a 28.4% decrease compared with the &#8364;2,611 million recorded for the year ended December 31, 2022, as a result mainly of the depreciation of the Turkish lira against the euro and, to a lesser extent, lower swap funding costs. At constant exchange rates, there was an 8.0% increase in net interest income, mainly as a result of the higher volume of Turkish lira-denominated loans (credit card loans and loans to enterprises) and the increase in volume of sovereign debt securities, as a result in part of the increase in the securities maintenance ratio established by the CBRT (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;). The net interest margin over total average assets of this operating segment amounted to 2.71% for the year ended December 31, 2023, compared with 4.14% 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-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, 2023 amounted to &#8364;998 million, a 65.9% increase compared with the &#8364;602 million recorded for the year ended December 31, 2022,mainly as a result of the increase in payment systems fees (in particular, credit cards), 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%">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-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, 2023 amounted to &#8364;937 million, a 26.4% increase compared with the &#8364;741 million gain recorded for the year ended December 31, 2022, mainly due to the positive results from the Global Markets unit in a volatile environment, and certain gains from securities portfolio sales, 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, 2023 was a &#8364;887 million net expense, a 7.8% increase compared with the &#8364;823 million net expense recorded for the year ended December 31, 2022. At a constant exchange rate, there was a 37.2% decrease in net expense, mainly due to the lower loss on the net monetary position resulting from the adjustment for hyperinflation in Turkey (&#8364;2,118 million and &#8364;2,323 million in the years ended December 31, 2023 and 2022, respectively), and, to a lesser extent, higher income from operating leases, offset in part by the greater contribution made to the Deposit Guarantee Fund of Credit Institutions and the lower positive impact of the revaluation of bonds linked to inflation in the year (&#8364;1,202 million and &#8364;1,490 million, respectively, in the years ended December 31, 2023 and 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-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, 2023 was &#8364;63 million, a 55.3% increase compared with the &#8364;41 million income recorded for the year ended December 31, 2022, mainly as a result of increased insurance activity, partially offset by the depreciation of the Turkish lira. At constant exchange rates, there was a 130.7% 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%">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, 2023 amounted to &#8364;1,252 million, a 34.3% increase compared with the &#8364;933 million recorded for the year ended December 31, 2022,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 increases (as a result of the loss of purchasing power), partially offset by the depreciation of the Turkish lira. At constant exchange rates, administration costs increased by 101.6%, 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, 2023 was &#8364;150 million, a 16.4% increase compared with the &#8364;129 million recorded for the year ended December 31, 2022, mainly as a result of the increase in the depreciation expense related to IT equipment and right-of-use leased assets, offset in part by the depreciation of the Turkish lira. At constant exchange rates, there was a 43.7% 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%">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, 2023 was a &#8364;118 million expense, a 69.4% decrease compared with the &#8364;387 million expense recorded for the year ended December 31, 2022, mainly due to the decrease in the collective expected losses related to the wholesale portfolio, as a result of the improved performance of companies which resulted in a lower default rate, and the depreciation of the Turkish lira against the euro, partially offset by the change in the staging of certain loans from Stage 1 to Stage 2, due to the impact of the earthquakes in February 2023 (which resulted in an impairment that amounted to &#8364;25 million as of December 31, 2023) and certain significant Stage 3 entries from the retail 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-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, 2023 were a &#8364;137 million expense, a 55.4% increase compared with the &#8364;88 million expense recorded for the year ended December 31, 2022, mainly due to the provisions recorded in connection with the February 2023 earthquakes, the increased provisions for pensions and other employee benefit commitments and higher non-financial assets impairments, partially offset by the depreciation of the Turkish lira against the euro and lower provisions for various purposes.</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><hr style="page-break-after:always"/><div style="min-height: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%">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, 2023 was &#8364;1,324 million, a 19.1% decrease compared with the &#8364;1,636 million recorded 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-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, 2023 was &#8364;702 million, a 36.4% decrease compared with the &#8364;1,103 million expense recorded for the year ended December 31, 2022, as a result of the revaluation for tax purposes of certain non-monetary assets of Garanti BBVA based on inflation as a result of certain changes in Turkey&#8217;s tax regulations during 2023. The impact of this revaluation led to a corporate income tax credit in 2023 amounting to approximately &#8364;260 million, due to the higher tax base of such assets, partially offset by 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 as a result of the application of IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#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;Hyperinflationary Economies&#8221; </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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%">Current tax regulation in Turkey does not include a provision to reduce tax expense upon the existence of a loss linked to the net monetary position. Among others, changes in Turkey&#8217;s tax regulations during 2023 include the modification of the general corporate income tax rate in Turkey from 20% to 25%. However, the general tax rate for banks and financial institutions has been increased from 25% (applicable since April 2022) to 30%. This change is applicable to profits generated in tax periods beginning on or after January 1, 2023 and has been considered in preparing this Consolidated Financial Statements. The impact of this change was not material to the results of the BBVA Group. The effective tax rate amounted to 53.0% of operating profit before tax of this operating segment for the year ended December 31, 2023 and 67.4% 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-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, 2023 amounted to &#8364;95 million,</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:10pt;font-weight:400;line-height:120%">compared with the &#8364;28 million recorded for the year ended December 31, 2022, as a result, in part, of the increase in profit. In addition, the year-on-year change was affected by 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; herein).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 amounted to &#8364;527 million, a 4.3% increase compared with the &#8364;505 million recorded 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;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="i22a2e436ff7c462c96898906283f922e_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: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 style="width:58.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.691%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.920%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">4,394</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:700;line-height:120%">4,138</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">6.2</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 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%">700</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(10.1)</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%">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:400;line-height:120%">447</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">41.7</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%">(1,491)</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%">(1,181)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">26.2</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%">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%">84</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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%">4,331</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4,265</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">1.5</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%">(1,785)</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="padding:2px 1pt;text-align: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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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="padding:2px 1pt;text-align: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%">(165)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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: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: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%">2,381</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:700;line-height:120%">2,290</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">4.0</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 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(1,134)</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">48.9</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%">(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: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%">(38.5)</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%">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%">1,189</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:700;line-height:120%">1,434</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(17.1)</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%">(286)</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%">(347)</span></td><td colspan="3" style="padding:2px 1pt;text-align: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="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="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="padding: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%">903</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%">1,087</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(16.9)</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%">(302)</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="padding:2px 1pt;text-align: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: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%">601</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%">738</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(18.5)</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">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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2023, the Argentine peso, the Colombian peso and the Peruvian sol depreciated by 78.9% (considering the period-end exchange rates), 4.5% and 0.2%, respectively, against the euro in average terms, compared with the year ended December 31, 2022. The income statement of BBVA Argentina for the year ended December 31, 2023 was significantly impacted by the decline of the Argentine peso during the year, including, in particular, the extraordinary devaluation of the Argentine peso against the euro in December 2023, as a result of the economic measures adopted by the new government. Overall, changes in exchange rates resulted in a negative exchange rate effect on the consolidated income statement for the year ended December 31, 2023 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, 2023 and 2022, the Argentine and Venezuelan economies were considered to be hyperinflationary as defined by IAS 29 &#8220;Financial Reporting in Hyperinflationary Economies&#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;Hyperinflationary Economies</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, 2023 amounted to &#8364;4,394 million, a 6.2% increase compared with the &#8364;4,138 million recorded for the year ended December 31, 2022, mainly as a result of increases in the yield and volume of credit card loans and the commercial loan portfolios in the region, partially offset by significantly higher funding costs (particularly, in the wholesale portfolio in Colombia) as a result of increases in interest rates, and the depreciation of the currencies of the main countries where the BBVA Group operates within the region against the euro, which had a greater impact on interest income than on interest expense. At constant exchange rates, there was a 0.5% increase in net interest income. The net interest margin over total average assets of this operating segment amounted to 6.71% for the year ended December 31, 2023, compared with 6.49% 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-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, 2023 amounted to &#8364;700 million, a 10.1% decrease compared with the &#8364;778 million recorded for the year ended December 31, 2022, mainly as a result of the depreciation of the currencies of the main countries where the BBVA Group operates within the region against the euro. At constant exchange rates, there was a 12.3% increase, mainly due to increases in payment systems-related fees (in particular, credit cards) in Argentina and, to a lesser extent, in Colombia.</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;text-align: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, 2023 were &#8364;633 million, a 41.7% increase compared with the &#8364;447 million gain recorded for the year ended December 31, 2022, mainly due to the higher gains from the debt securities portfolio and, to a lesser extent, the ALCO portfolio in Argentina, partially offset by the negative exchange rate differences in Colombia and the depreciation of the currencies of the main countries where the BBVA Group operates within 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%">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, 2023 was a &#8364;1,491 million expense, a 26.2% increase compared with the &#8364;1,181 million expense recorded for the year ended December 31, 2022, mainly driven by the higher loss on the net monetary position resulting from the adjustment for hyperinflation in Argentina</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, which resulted in a monetary loss of &#8364;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1,062</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 in the year ended December 31, 2023, compared to the &#8364;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">822</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 monetary loss recorded for the year ended </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December 31, 2022, partially offset by the depreciation of the currencies of the main countries where the BBVA Group operates within 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%">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, 2023 was &#8364;96 million, a 14.1% increase compared with the &#8364;84 million income recorded for the year ended December 31, 2022, mainly as a result of higher income related to life insurance in Colombia and Argentina, partially offset by the depreciation of the currencies of the main countries where the BBVA Group operates within 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%">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, 2023 amounted to &#8364;1,785 million, a 1.1% decrease compared with the &#8364;1,806 million recorded for the year ended December 31, 2022, mainly as a result of the depreciation of the currencies of the main countries where the BBVA Group operates within the region against the euro. At constant exchange rates, there was a 28.5% increase in administration costs, mainly due to increases in certain general expenses related to technology (affected by the high inflation) in Argentina and in personnel expenses, driven in part by salary increases in Argentina (driven by inflation).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 was &#8364;165 million, a 2.8% decrease compared with the &#8364;170 million recorded for the year ended December 31, 2022, mainly due to the depreciation of the currencies of the main countries where the BBVA Group operates within the region against the euro. At constant exchange rates there was a 5.1% increase, as a result of the investment in computer software.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 was a &#8364;1,134 million expense, a 48.9% increase compared with the &#8364;762 million expense recorded for the year ended December 31, 2022, mainly as a result of higher credit impairment requirements in Stage 3 retail loans in Peru as a result of the expiration of the grace period granted under the Reactiva program in September 2023, and, to a lesser extent, additional credit impairment requirements in consumer loans in Stage 2 and Stage 3 in Colombia, within an inflationary environment and overall unfavorable macroeconomic conditions, partially offset by the depreciation of the currencies of the main countries where the BBVA Group operates within 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%">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, 2023 were a &#8364;58 million expense, a 38.5% decrease compared with the &#8364;94 million expense recorded for the year ended December 31, 2022, attributable mainly to the depreciation of the currencies of the main countries where the BBVA Group operates within the region against the euro and lower provisions for contingent risks and legal contingencies in Peru, partially offset by higher provisions for various purposes in Colombia and Argentina.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 was &#8364;1,189 million, a 17.1% decrease compared with the &#8364;1,434 million recorded for the year ended December 31, 2022. At constant exchange rates there was a 59.1% 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%">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-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, 2023 was &#8364;286 million, a 17.7% decrease compared with the &#8364;347 million expense recorded for the year ended December 31, 2022, mainly as a result of the depreciation of the currencies of the main countries where the BBVA Group operates within the region against the euro and the lower operating profit before tax. At constant exchange rates there was an increase, mainly as a result of a reduction in deferred tax liabilities. The effective tax rate amounted to 24.1% of operating profit before tax for the year ended December 31, 2023 and 24.2% 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-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, 2023 amounted to &#8364;302 million, a 13.5% decrease compared with the &#8364;349 million recorded for the year ended December 31, 2022, mainly due to the lower operating profit before tax. At constant exchange rates, there was a 46.7% 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%">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, 2023 amounted to &#8364;601 million, an 18.5% decrease compared with the &#8364;738 million recorded for the year ended December 31, 2022. At constant exchange rates, there was a 40.5% 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%">143</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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"><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 style="width:59.300%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.150%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">539</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 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">62.3</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 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%">244</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="padding:2px 1pt;text-align: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%">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%">316</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 1pt;text-align:center;vertical-align:middle"><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="padding:2px 1pt;text-align: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%">&#8212;</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 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(98.6)</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%">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%">3</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%">(20.7)</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%">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%">1,103</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">39.7</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: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%">(560)</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="padding:2px 1pt;text-align: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%">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%">(26)</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 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15.1</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 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%">517</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">87.3</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%">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%">(28)</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">107.4</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 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)</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 1pt;text-align: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%">489</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">76.5</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 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%">(93)</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">147.9</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="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="padding: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%">396</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">65.4</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%">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%">396</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">65.4</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, 2023, the U.S. dollar depreciated by 2.6% against the euro in average terms, compared with the year ended December 31, 2022, resulting in a slightly negative exchange rate effect on the consolidated income statement for the year ended December 31, 2022 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, 2023 amounted to &#8364;539 million, a 62.3% increase compared with the &#8364;332 million recorded for the year ended December 31, 2022, mainly due to increased activity of the branches located in Europe and New York and higher yields, in particular, in Portugal, supported by the higher interest rate environment, partially offset by the lower contribution from the Global Markets unit in Asia. The net interest margin over total average assets of this operating segment amounted to 1.01% for the year ended December 31, 2023 compared with 0.73% 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-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, 2023 amounted to &#8364;244 million, a 0.7% increase compared with the &#8364;243 million recorded 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-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, 2023 were &#8364;316 million, a 51.9% increase compared with the &#8364;208 million net gain recorded for the year ended December 31, 2022, mainly due to the higher gains from the New York branch and, to a lesser extent, from the Global Markets unit 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-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, 2023 was nil compared with the &#8364;2 million income recorded 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;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-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, 2023 amounted to &#8364;560 million, a 14.1% increase compared with the &#8364;491 million recorded for the year ended December 31, 2022, mainly due to higher personnel expense in Europe and in the New York branch, as a result in part of the better performance of the Global Markets unit.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 was &#8364;26 million, compared with the &#8364;23 million recorded 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-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, 2023 was a &#8364;28 million expense, compared with the &#8364;13 million expense recorded for the year ended December 31, 2022, mainly as a result of higher credit impairments in the retail portfolio in Portugal.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2023 were a &#8364;1 million expense compared with the &#8364;14 million income recorded for the year ended December 31, 2022. Provisions or reversal of provisions and other results of this operating segment for the year ended December 31, 2022 included the reversal of provisions of contingent risks related to 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%">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, 2023 was &#8364;489 million, a 76.5% increase compared with the &#8364;277 million recorded 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-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, 2023 was &#8364;93 million, compared with the &#8364;37 million expense recorded for the year ended December 31, 2022 due, in part, to the increase 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, 2023 amounted to &#8364;396 million, a 65.4% increase compared with the &#8364;240 million recorded 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;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><div id="i22a2e436ff7c462c96898906283f922e_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"><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 style="width:58.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.458%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2023</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%">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:9pt;font-weight:700;line-height:120%">Change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">(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:700;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:700;line-height:120%">253.4</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%">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%">(44)</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">40.2</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%">(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-weight:400;line-height:120%">(294)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">133.6</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%">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%">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: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%">(16.0)</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%">(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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">131.1</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%">(1,029)</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">212.7</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: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%">(550)</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(14.9)</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="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="padding:2px 1pt;text-align: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%">(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:9pt;font-weight:400;line-height:120%">(206)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.1</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 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%">(1,789)</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">51.5</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%">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%">(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%">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 1pt;text-align: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%">8</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">(1,809)</span></td><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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">54.0</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%">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%">262</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:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;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: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%">(1,547)</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">72.4</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="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="padding:2px 1pt;text-align: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="padding:2px 1pt;text-align: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%">(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. (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) 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%">(1,544)</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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">67.4</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="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, 2023 was &#8364;386 million, compared with the &#8364;109 million net expense recorded for the year ended December 31, 2022, mainly due to significantly 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, 2023 amounted to a &#8364;44 million expense, a 40.2% increase compared with the &#8364;31 million expense recorded for the year ended December 31, 2022, mainly as a result of the higher fees paid to underwriters in connection with the debt issuances carried out by Banco Bilbao Vizcaya Argentaria, S.A.</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, 2023 were &#8364;686 million,</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:10pt;font-weight:400;line-height:120%">compared with the &#8364;294 million net losses recorded for the year ended December 31, 2022, mainly as a result of the negative effect of the appreciation of the Mexican peso on foreign currency hedges within the ALCO portfolio.</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 operating income and expense, net of the Corporate Center for the year ended December 31, 2023 was &#8364;89 million of net income, a 16.0% decrease compared with the &#8364;106 million net income recorded for the year ended December 31, 2022, 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, 2023 amounted to &#8364;550 million, a 14.9% decrease compared with the &#8364;647 million recorded 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;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;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 of the Corporate Center for the year ended December 31, 2023 was &#8364;210 million, a 2.1% increase compared with the &#8364;206 million recorded for the year ended December 31, 2022.</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, 2023 were a &#8364;21 million expense compared with the &#8364;8 million income recorded 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-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, 2023 was &#8364;1,809 million, a 54.0% increase compared with the &#8364;1,175 million loss recorded 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-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, 2023 amounted to &#8364;262 million, a 5.6% decrease compared with the &#8364;277 million income recorded 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-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, loss attributable to parent company of the Corporate Center for the year ended December 31, 2023 was &#8364;1,544 million, a 67.4% increase compared with the &#8364;922 million loss recorded 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;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><div id="i22a2e436ff7c462c96898906283f922e_244"></div><hr style="page-break-after:always"/><div style="min-height: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. For additional information on the financing structure of the BBVA Group, see Note 7.5.3 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%">In its monetary policy decision of October 27, 2022, the ECB adjusted the interest rates applicable to its Targeted Longer-Term Refinancing Operations III (TLTRO III) effective November 23, 2022 and offered credit institutions additional voluntary early repayment dates for these operations. BBVA&#8217;s repayment of its TLTRO III funds was initiated in December 2022 and, as of December 31, 2024, all funds obtained under the TLTRO III program had been repaid. 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 years ended <span id="i63187ca5968640d5a773245b2e91936a_12774"></span>December 31, 2024, 2023 and 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%">During 2024, liquidity conditions remained adequate in all the countries where the BBVA 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 following table shows the balances as of December 31, 2024, 2023 and 2022 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 style="width:48.514%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.695%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.695%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.696%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">18,028</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-weight:400;line-height:120%">26,707</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">50,690</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%">83,376</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%">55,859</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">468,590</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%">437,405</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%">406,444</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">74,464</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">72,685</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%">58,717</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">27,173</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%">23,650</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-weight:400;line-height:120%">20,673</span></td></tr><tr><td colspan="3" style="padding: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%">638,945</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%">643,823</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%">583,967</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&#8217;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&#8217;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 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">LMUs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) composed of the parent company and the bank subsidiaries in each of Spain, Mexico, Turkey, South America (Argentina, Colombia, Peru, Uruguay) and Switzerland, 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%">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="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Throughout 2024, 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 2024, 2023 and 2022, all LMUs 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 134% as of December 31, 2024 (in excess of the required 100%) and 149% as of December 31, 2023 (in excess of the required 100%). The net stable funding ratio (NSFR) of the BBVA Group was 127% as of December 31, 2024 (in excess of the required 100%) and 131% as of December 31, 2023 (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 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 the Consolidated Financial Statements for additional information on the BBVA 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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, the repatriation of dividends from BBVA&#8217;s Turkish, Argentinian and Venezuelan subsidiaries is subject to certain restrictions and there is no assurance that further restrictions will not 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 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%">149</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_247"></div><hr style="page-break-after:always"/><div style="min-height: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;468,590 million as of December 31, 2024 compared with &#8364;437,405 million as of December 31, 2023 (&#8364;406,444 million as of December 31, 2022), a 7.1% increase, mainly due to </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">the increase in demand and savings deposits, as customers shifted towards savings within a high interest rate scenario (in particular, during the first half of 2024)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> in Spain, increases in deposits of the Spanish government and other government agencies (through repurchase agreements) and the growth in time deposits in the branches located in Europe and in the New York branch, due to increased activity. To a lesser extent, the year-on-year increase was attributable to the increase in time deposits in Argentina and Colombia within a high interest rate environment, the increase in demand deposits in U.S. dollars in Argentina during the fourth quarter of 2024, driven by the implementation of strong fiscal and monetary adjustments to reduce inflation by the Argentine government, the increase in time deposits in Turkish lira (transferred, in part, from time deposits in U.S. dollars) and the increase in demand deposits in Turkish lira (as a result in part of the measures adopted by the Turkish authorities to encourage and protect deposits denominated in Turkish lira and prevent further dollarization of deposits). The year-on-year increase was partially offset by the depreciation of the Mexican peso, the Turkish lira, the Colombian peso and the Argentine peso against the euro.</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;439,469</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, 2024, a 7.2% increase compared with &#8364;410,044 million as of December 31, 2023 (&#8364;392,884 million as of December 31, 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%">Short-term customer deposits at amortized cost 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%">426,174 </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">million as of December 31, 2024, or 90.9% of our total customer deposits, compared to &#8364;390,996 million and 89.4% of our total customer deposits as of December 31, 2023 (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, 2024, 2023 and 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 style="width:46.665%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.311%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.311%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.313%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">50,690</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%">83,376</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%">55,859</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">18,028</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-weight:400;line-height:120%">26,707</span></td><td colspan="3" style="padding:2px 1pt;text-align: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></tr><tr><td colspan="3" style="padding: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%">68,719</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%">110,083</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></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;68,719 million as of December 31, 2024 compared with &#8364;110,083 million as of December 31, 2023 (&#8364;98,132 million as of December 31, 2022). The decrease was mainly attributable to the decrease in deposits from credit institutions (through repurchase agreements) recorded under &#8220;Financial liabilities held for trading&#8221; due to the offsetting of certain financial assets and liabilities, for presentation purposes, in application of IAS 32 in 2024 in Spain and, to a lesser extent, the decrease in deposits from central banks, with the aim of reducing funding costs. The increase as of December 31, 2023 compared to December 31, 2022 was mainly attributable to an increase in deposits from credit institutions (through repurchase agreements) in Spain in the trading and amortized cost portfolios, partially offset by the decrease in deposits from the Bank of Spain in the amortized cost portfolio, driven mainly by the aforementioned substantial repayment by BBVA of drawdowns under the ECB&#8217;s TLTRO III facilities.</span></div><div id="i22a2e436ff7c462c96898906283f922e_250"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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, 2024 we had &#8364;50,310 million of debt certificates outstanding, comprising &#8364;45,988 million in bonds and debentures and &#8364;4,322 million in promissory notes and other securities, compared with &#8364;52,875 million, &#8364;47,124 million and &#8364;5,752 million outstanding, respectively, as of December 31, 2023, and &#8364;42,944 million, &#8364;41,515 million and &#8364;1,430 million outstanding, respectively, as of December 31, 2022 (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;19,611 million in subordinated debt and subordinated deposits and &#8364;1 million preferred securities outstanding as of December 31, 2024 compared with &#8364;15,867 million and nil, respectively, as of December 31, 2023 (&#8364;12,509 million and nil, respectively, 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%">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;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, 2024 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 style="width:36.342%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.842%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">1,059</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4,221</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%">9,892</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%">19,805</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15,333</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:400;line-height:120%">50,310</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:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align: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%">&#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%">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%">2,217</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-weight:400;line-height:120%">16,821</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19,612</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:0 1pt"/><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%">1,060</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%">4,221</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%">10,466</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%">22,022</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%">32,154</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%">69,923</span></td></tr></table></div><div id="i22a2e436ff7c462c96898906283f922e_253"></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></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024, 2023 and 2022, 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, the consolidated capital ratios as of December 31, 2024, 2023 and 2022, 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 the Consolidated Financial Statements.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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%">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 2024, 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="i22a2e436ff7c462c96898906283f922e_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%">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 &#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;. 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 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">high interest rates, especially in Spain, after a protracted period of low (or even negative) interest rates. The impact of high interest rates may be particularly significant in countries like Spain, where mortgages account for a significant proportion of credit (more than 40%) and approximately two-thirds of mortgage loans are estimated to have floating rates. While BBVA expects interest rates to decline in the near future, they are expected to remain in the range of 2.5%-3%. The persistence of high interest rates or any increase in interest rates in the future may 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="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;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 tax on extraordinary profits applicable to credit institutions operating in Spain and 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);</span></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 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 customers and potential customers and be financed by financial institutions, and the amendments introduced in the Code of Good Practices in recent years, easing the impact of interest rate hikes on mortgage loans agreements related to primary residences, among others (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;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); 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 coming years, 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 has been integrated into the annual Supervisory Review and Examination Process (SREP) 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. 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="i22a2e436ff7c462c96898906283f922e_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%">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 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><div id="i22a2e436ff7c462c96898906283f922e_265"></div><hr style="page-break-after:always"/><div style="min-height: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 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 serving the 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 2024, 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="i22a2e436ff7c462c96898906283f922e_268"></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 are 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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="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="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 fulfill the duties imposed by laws and the Bylaws with fidelity to the corporate interest, understood as the interest of the Company. They must also have the availability and dedication required at all times for the performance of their duties as Directors, including when discharging their duties as members of the various 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%">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 personally attend the meetings of the corporate bodies on which they sit, except for a justifiable reason. If it is not possible for a director to attend a meeting of the Board of Directors, the director may authorize another director to act as their proxy and cast votes on their behalf, by sending a letter or email to the Company with the information needed by the proxy director to follow the absent director&#8217;s instructions. Applicable legislation states, however, that non-executive directors may only grant a proxy to another non-executive director. In addition, this system applies to attendance at meetings of Board of Directors 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%">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="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-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-weight:400;line-height:120%">Moreover, directors may not have direct or indirect shareholdings in businesses or companies in which the Bank or its Group companies hold an interest, unless such shareholding was held prior to joining the Board of Directors or to the time when the Group acquired its holding in such businesses or companies, or unless such companies are listed on national or international securities markets, or unless authorized to do so by 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%">Lastly, directors may not hold political positions or perform any other activities that might have public significance or may affect the Company&#8217;s image in any way, unless this is with prior authorization from the Bank&#8217;s 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%">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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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="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="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 2024, 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%">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="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:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:34.960%"/><td style="width:0.1%"/></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 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 style="height:3pt"><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: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: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%">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 Bancshares, Inc. 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></div></td></tr><tr style="height:3pt"><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 style="height:3pt"><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: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%">March 15, 2024</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 and of the Audit 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 director of Zardoya Otis, S.A. from 2015 to 2022. 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). </span></div></td></tr><tr style="height:3pt"><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 style="height:3pt"><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:top"><div><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)(3)(5)</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: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%">March 15, 2024</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%">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 to the 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></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%">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="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:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:34.960%"/><td style="width:0.1%"/></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%">Enrique Casanueva N&#225;rdiz (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%">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 15, 2024</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%">He has held various positions of responsibility at J.P. Morgan as Managing Director responsible for Investment Banking Spain and Portugal (2000-2006), President and CEO of Spain and Portugal and member of the EMEA Management Committee (2006-2015) and Head of Southern Europe, Nordic Countries, Central and Eastern Europe, Ireland and Israel and member of the EMEA Executive Committee (2015-2017). Previously, he served as Managing Director of Investment Banking Spain and Portugal at Banco Santander, in the Santander Investment Area (1995-2000) and executive director in the Investment Banking department at Goldman Sachs (1991-1995). </span></div><div style="text-align:justify"><span><br/></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sonia Dul&#225; (2)(5)</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:8pt;font-weight:400;line-height:120%">1961</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Independent Director</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:8pt;font-weight:400;line-height:120%">March 17, 2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not applicable</span></div></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 Huntsman Corporation, Acciona and Corporaci&#243;n Acciona Energ&#237;as Renovables, as well as lifetime member of the Council on Foreign Relations. Executive Director and Vice President in Investment Banking at Goldman Sachs (1986-1995), Head of Wealth Management for Latin America (2010-2013) and Vice Chair of Global Corporate and Investment Banking for Latin America (2013-2018) at Bank of America Merrill Lynch.  She has sat on the boards of Bestinver, 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 International Advisory Board of Banco Ita&#250; (Brazil), of the Young Presidents Organization (YPO) and of the Bank of America Global Diversity and Inclusion Council.</span></div></td></tr><tr style="height:3pt"><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 style="height:3pt"><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:top"><div><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 (3)(5)(6)(7)</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: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%">March 17, 2023</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 and Chair of the Risk and Compliance Committee. 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 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 style="height:3pt"><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></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 style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:34.960%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><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 (1)(3)</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:8pt;font-weight:400;line-height:120%">1960</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External Director</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: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%">March 15, 2024</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 Executive Board and CEO of Merck Group. Chair of the European side of EU-Japan Business Round Table, member of the executive committee of the German Chemical Industry Association, member of the European Round Table for Industry and member of The Business Council. Director of L&#8217;Or&#233;al from 2014 to 2024. Previously, she has held various positions of responsibility at Abbot Laboratories (1989&#8211;1996), Rh&#244;ne-Poulenc (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 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 style="height:3pt"><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></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%">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="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:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:34.960%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Connie Hedegaard Koksbang (2)</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: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. She participates on an ongoing basis in international forums and organizations and in foundations: she is member of the Supervisory Board at the European Climate Foundation, Chair of the OECD&#8217;s Round Table on Sustainable Development, member of the Climate and Environment Advisory Council of the European Investment Bank (EIB), member of the Villum  Foundation, 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 and of Cadeler A/S from 2020 to 2023. 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 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 style="height:3pt"><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: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 17, 2023</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 Actividades de Construcci&#243;n y Servicios, S.A. (ACS). 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 Infrastructure 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 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 style="height:3pt"><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:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cristina de Parias Halc&#243;n (3) (6)</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:8pt;font-weight:400;line-height:120%">1965</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External Director</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:8pt;font-weight:400;line-height:120%">March 15, 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not applicable</span></div></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 Endesa, S.A. and Sanitas Seguros. Member of the Board of Trustees of the BBVA Microfinance Foundation. Director at the following Group companies until 2024: BBVA M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero BBVA M&#233;xico and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. She has held positions of responsibility at BBVA such as Director of the Consumer Finance subsidiary (Finanzia) and CEO of Uno-e Bank (2005-2008), Director of New Digital Businesses (2008-2011), Head of Central Business Area (2011-2014) and Country Manager Spain and Portugal (2014-2019). She was also Director of Marketing and Multichannel for retail clients and Director of the Personal Banking business unit (Citigold) at Citibank (1991-1998). </span></div></td></tr><tr style="height:3pt"><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 style="height:3pt"><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: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%">March 15, 2024</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 (2015-2018) and Banco Etcheverr&#237;a, S.A. (2013-2014), as well as independent director at Grupo Lar Holding Residencial, S.A.U. (2017-2018) and Senior Advisor at Oliver Wyman Financial Services (2012-2018). General Director of Risks and member of the Management Committee of Banco Pastor, S.A. (2008-2011). Before that, she held several positions at Bankinter, including Chief Risk Officer and member of the Management Committee (2004- 2008).</span></div></td></tr><tr style="height:3pt"><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 style="height:3pt"><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></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%">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="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:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:34.960%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ana Leonor Revenga Shanklin (4) (5)(6)</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: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%">March 17, 2023</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.  President of the Board of Trustees at the ISEAK Foundation, member of the Board of Trustees of the BBVA Microfinance Foundation and member of the Advisory Council of ESADE EcPol - Center for Economic Policy and Political Economy. She has been Associate Professor at the Walsh School of Foreign Service at Georgetown University (2019-2021) and Senior Fellow at the Brookings Institution (2018-2023).</span></div><div style="text-align:justify"><span><br/></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 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 style="height:3pt"><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 style="height:3pt"><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 style="height:3pt"><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: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%">March 17, 2023</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., Alsea, S.A.B. de C.V. and CYDSA Corporativo, S.A. de C.V. Director of the following BBVA Group companies: Grupo Financiero BBVA M&#233;xico, S.A. de C.V., BBVA M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero BBVA M&#233;xico, BBVA Seguros M&#233;xico, S.A. de C.V. Grupo Financiero BBVA M&#233;xico, BBVA Pensiones M&#233;xico, S.A. de C.V. Grupo Financiero BBVA M&#233;xico and 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 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 style="height:3pt"><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: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%">March 15, 2024</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. Non-executive director at Cambridge Solutions (2006-2009) and Monitise (2008-2011). Director, Chief Information Officer, Group Head of Technology and Banking Operations of Standard Chartered Bank between 2004 and 2015, 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 - 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 Carlos Torres Vila, Onur Gen&#231; and Connie Hedegaard Koksbang will expire during 2025. The Bank&#8217;s Board of Directors has proposed their reelection by the general shareholders&#8217; meeting, planned to be held on March 21, 2025, for another statutory period of 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%">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="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 style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:65.928%"/><td style="width:0.1%"/></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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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), Commercial Client Solutions, Retail Client Solutions, Digital Banks, 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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Antonio Bravo Ac&#237;n (**)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><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></div></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 February 2025. Previously he had been Head of Sustainability &amp; CIB Strategy, Coverage of Corporate Clients, Industries &amp; Cross-border since 2023 until his current appointment, Head of Sustainability Strategy &amp; Net Zero (2021-2023), Head of IT Strategy &amp; Control (2019-2021), Head of Agile Organization (2017-2019) and Head of Business Development and Digital Banking for South America (2016-2019), among other responsibilities held in BBVA. </span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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"><div><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></div></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 July 2024. 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 Global Head of Talent &amp; Culture from 2019 to 2024, 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></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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"><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:120%">Global Head of Global Risk Management</span></div></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 Global Risk Management since July 2024. He has held other relevant positions within the BBVA Group such as Global Head of Engineering from 2021 to 2024, Head of Client Solutions at BBVA USA Bancshares, Inc. 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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%">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"><table 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:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:65.928%"/><td style="width:0.1%"/></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><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%">Paul Garc&#237;a Tobin</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</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%">Global Head of Talent &amp; Culture since July 2024. He has held various senior posts at BBVA such as Global Head of Communications from 2015 to 2024 and Director of Corporate Communications from 2011 to 2015. </span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Luisa G&#243;mez Bravo</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global Head of Finance</span></div></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 2023. She has held several relevant positions within the BBVA Group such as Global Head of Corporate &amp; Investment Banking (C&amp;IB) from 2018 to 2023, 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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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"><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:120%">Global Head of Retail Client Solutions</span></div></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 Retail Client Solutions since July 2024. Director of BBVA Data &amp; Analytics (currently, BBVA AI Factory, S.L.) from 2017 until 2019. He was Global Head of Client Solutions from 2019 to 2024, 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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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"><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:120%">Global Head of Sustainability and Corporate &amp; Investment Banking</span></div></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 and of Corporate &amp; Investment Banking since July 2023. 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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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"><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:120%">Global Head of Commercial Client Solutions</span></div></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%">Global Head of Commercial Client Solutions since July 2024 and Director of Garanti BBVA. Previously he was Head of Global Risk Management from 2021 to 2024, 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></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><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: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  has held various senior posts at BBVA 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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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;At the date of this Annual Report, the authorization by the European Central Bank of Antonio Bravo&#8217;s suitability to carry out the role of Global Head of Data is pending.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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%">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, which is aligned with the specific regulations applicable to credit institutions and best market practices.</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;text-align: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 2023, 2024, 2025 and 2026 was approved by the general shareholders&#8217; meeting held on March 17, 2023, by a majority of 95.03% (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;). 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 same general principles that govern the BBVA Group&#8217;s General Remuneration Policy, last updated by the Board of Directors on March 29, 2023 (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&#8217;s General Remuneration Policy</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). These policies take 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, and include 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 incentive system for staff whose professional activities have a significant impact on the risk profile (the &#8220;Identified Staff&#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 elements 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 elements 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 aligned with 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 currently comprises two components: a short-term incentive and a long-term incentive.</span></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 short-term incentive shall be calculated on the basis of: (i) annual indicators (financial and non-financial); (ii) scales of achievement, as per the weightings allocated to each indicator; and (iii) a target short-term incentive, representing the amount of the short-term incentive if 100% of the pre-established targets are met. The resulting amount shall constitute the short-term incentive 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 long-term incentive shall initially be awarded should the previously referred level of profit and capital ratio be achieved. However, its final amount, which may range between 0% and 150% of the target long-term incentive (representing the amount of the long-term incentive if 100% of the pre-established targets are met), shall be calculated once the last financial year of the measurement period of the long-term indicators approved for its calculation has ended. The calculation of the long-term incentive shall be done on the basis of: (i) long-term indicators (financial and non-financial) with a four-year measurement period; (ii) scales of achievement, as per the weightings allocated to each indicator; and (iii) a target long-term incentive. The resulting amount shall constitute the long-term incentive 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 sum of the amounts of the short-term incentive and the long-term incentive will constitute the annual variable remuneration of each beneficiary for a given financial 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">The annual variable remuneration shall be subject to specific rules regarding its 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, a percentage not exceeding 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 vest and be paid, if conditions are met, as a general rule, in the first quarter of the financial year following that to which it corresponds (the upfront portion).</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: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">At least 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). The deferred portion shall be paid, if conditions are met, after each of the years of deferral has elapsed. In no event shall the deferred portion be paid faster than in a proportionate way. </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">Within this deferral period, payment of the long-term incentive shall only begin after the measurement period of the long-term indicators has ended, to the result of which its final amount is subject. Therefore, the long-term incentive shall be part 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">Both the upfront portion and the deferred portion of the annual variable remuneration for each member 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. The deferred portion for executive directors and members of Senior Management shall be paid 40% in cash and 60% in BBVA shares or in instruments linked to BBVA shares.</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">In particular, a portion of the deferred annual variable remuneration may be awarded in the form of stock options on BBVA shares (&#8220;BBVA stock options&#8221;).</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 that may be 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 or instruments linked to BBVA shares derived from the settlement of the variable remuneration, they shall not 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 the shares for a market value equivalent to an amount of 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, subject to the approval by the Remuneration Committee, in the event of extraordinary situations that require it. </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 that becomes payable each year will not vest or may be reduced, should certain capital and liquidity thresholds not be met, thus being subject to ex post risk adjustments. </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 element of remuneration for a year shall be limited to a maximum amount of 100% of the fixed element of total remuneration, unless the general shareholders&#8217; meeting resolves to increase this percentage up to a maximum of 200%. In this regard, as in prior years, the general shareholders&#8217; meeting held on March 15, 2024 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, on the terms indicated in the report issued for this purpose by the Board of Directors dated February 6, 2024.</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="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: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 performance of one or more of the criteria that contributed to the achievement of the targets. </span></div><div style="margin-bottom:10pt;margin-top:10pt;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%">Both &#8220;malus&#8221; and &#8220;clawback&#8221; arrangements will apply to both the cash portion and the portion in shares or instruments linked to shares of 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 the above circumstances 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, lead to a material reputational damage for 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="margin-bottom:10pt;margin-top:10pt;padding-left:54pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the &#8220;malus&#8221; and &#8220;clawback&#8221; arrangements shall also be applicable to the variable remuneration received by executive directors or members of Senior Management, where the recoupment of such remuneration is required under the BBVA remuneration recoupment policy approved by the Board of Directors on November 29, 2023 (see Exhibit 97 to this report).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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%">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="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 corresponding to 2024 and 2023 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 style="width:12.793%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.991%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.991%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.823%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.129%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.823%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.380%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.303%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-bottom:1pt solid #000;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:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Remuneration of non-executive directors (thousands of euros) (1)</span></div></td></tr><tr style="height:23pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" 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:7pt;font-weight:700;line-height:112%">Board of Directors</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;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" rowspan="2" style="border-top:1pt solid #000;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" rowspan="2" style="border-top:1pt solid #000;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" rowspan="2" 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:7pt;font-weight:700;line-height:112%">Remuneration Committee</span></td><td colspan="3" rowspan="2" 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:7pt;font-weight:700;line-height:112%">Appointments and Corporate Governance Committee</span></td><td colspan="3" rowspan="2" 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:7pt;font-weight:700;line-height:112%">Technology and Cybersecurity Committee</span></td><td colspan="3" rowspan="2" 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:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:112%">Other Functions (2)</span></div></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:8pt;font-weight:700;line-height:112%">Total</span></td></tr><tr style="height:12pt"><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:112%">2024</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:700;line-height:112%">2023</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%">165</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%">&#9472;</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%">&#9472;</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%">&#9472;</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%">625</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%">593</span></td></tr><tr><td colspan="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%">22</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">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:8pt;font-weight:400;line-height:112%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">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:8pt;font-weight:400;line-height:112%">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:8pt;font-weight:400;line-height:112%">Enrique Casanueva N&#225;rdiz (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%">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%">&#9472;</span></td><td colspan="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%">44</span></td><td colspan="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%">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:8pt;font-weight:400;line-height:112%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">223</span></td><td colspan="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%">&#9472;</span></td></tr><tr><td colspan="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%">Sonia Dul&#225; </span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">302</span></td><td colspan="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%">223</span></td></tr><tr><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">80</span></td><td colspan="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><td colspan="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%">461</span></td></tr><tr><td colspan="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%">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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">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: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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">378</span></td><td colspan="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%">416</span></td></tr><tr><td colspan="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 Koksbang</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">195</span></td><td colspan="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%">173</span></td></tr><tr><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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 (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: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%">42</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">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:8pt;font-weight:400;line-height:112%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">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: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"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Cristina de Parias Halc&#243;n (5)</span></div></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">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: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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td></tr><tr><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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 (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: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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">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: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%">&#9472;</span></td><td colspan="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%">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:8pt;font-weight:400;line-height:112%">361</span></td></tr><tr><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">86</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">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:8pt;font-weight:400;line-height:112%">307</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:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Susana Rodr&#237;guez Vidarte (6)</span></div></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">112</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:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Carlos Salazar Lomel&#237;n (7)</span></div></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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%">&#9472;</span></td><td colspan="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 #000;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 </span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">1,695</span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">542</span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">497</span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">633</span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">293</span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">293</span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">168</span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">130</span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">4,250</span></td><td colspan="3" style="border-bottom:1pt solid #000000;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:8pt;font-weight:700;line-height:112%">4,350</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">Includes amounts corresponding to positions on the Board and its various Committees, the composition of which was modified on April 26, 2024. </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">Amounts corresponding to the positions of Deputy Chair of the Board of Directors and Lead Director.</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">Director appointed by the general shareholders&#8217; meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. </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">Directors who left office on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. </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%">(5)</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">Director appointed by the general shareholders&#8217; meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. In addition, the director Cristina de Parias Halc&#243;n received in the 2024 and 2023 financial years, &#8364;72 thousand and &#8364;76 thousand, respectively, as per diems for her attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. Likewise, in 2024 she received &#8364;56 thousand and 14,697 BBVA shares corresponding to the deferred portion of 2018 and 2019 annual variable remuneration accrued in her former condition of BBVA&#8217;s member of Senior Management, including the update of its cash portion. In 2025, the last payment of the deferred portion of 2019 annual variable remuneration, including the update of its cash portion, is due to this director (&#8364;30 thousand and 7,593 BBVA shares).</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%">(6)</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">Director who left office on March 17, 2023. Remuneration in 2023 corresponding to the term in office in that financial year. </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%">(7)</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">In addition, in financial years 2024 and 2023, the director Carlos Salazar Lomel&#237;n received &#8364;113 thousand and &#8364;67 thousand, respectively, as per diems for his attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. 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:3pt;margin-top:3pt;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%">Likewise, during the 2024 and 2023 financial years, &#8364;112 thousand and &#8364;123 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><br/></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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%">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;text-align: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 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: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 with deferred delivery of shares 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, by the general shareholders&#8217; meeting held on April 20, 2021 for a further three-year period and by the general shareholders&#8217; meeting held on March 17, 2023 for a further four-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 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%">The BBVA shares, in a number equivalent to the theoretical shares accumulated by each non-executive director, 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 remuneration system with deferred delivery of shares in the 2024 and 2023 financial years, corresponding to 20% of the total annual fixed allowance in cash received by each of them in the 2023 and 2022 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 style="width:32.336%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.544%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Theoretical shares allocated (1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-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:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Theoretical shares allocated (1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-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="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:112%">13,407&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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:112%">147,455&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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:112%">16,023&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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:112%">134,048&#160;</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">11,350&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">106,310&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">17,255&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">94,960&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">Enrique Casanueva N&#225;rdiz (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:112%">&#9472;</span></td><td colspan="3" style="padding: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:112%">&#9472;</span></td><td colspan="3" style="padding: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:112%">&#9472;</span></td><td colspan="3" style="padding: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:112%">&#9472;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">Sonia Dul&#225; (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:112%">5,042&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,042&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding: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:112%">&#9472;</span></td><td colspan="3" style="padding: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:112%">&#9472;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,423&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">40,191&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,091&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">29,768&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">9,401&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">110,593&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,603&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">101,192&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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 Koksbang </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3,914&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">7,177&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3,263&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3,263&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,384&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">76,977&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">7,237&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">71,593&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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 (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:112%">7,735&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding: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:112%">&#9472;</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">10,397&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">146,874&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">Cristina de Parias Halc&#243;n (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:112%">&#9472;</span></td><td colspan="3" style="padding: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:112%">&#9472;</span></td><td colspan="3" style="padding: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:112%">&#9472;</span></td><td colspan="3" style="padding: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:112%">&#9472;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,384&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">47,713&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">7,237&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">42,329&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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 (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:112%">8,157&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding: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:112%">&#9472;</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">13,943&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">148,542&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,947&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">31,161&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">8,035&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">24,214&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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 (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:8pt;font-weight:400;line-height:112%">&#9472;</span></td><td colspan="3" style="padding: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:112%">&#9472;</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">13,648&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding: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:112%">&#9472;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">3,882&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">21,012&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">5,218&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">17,130&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">4,851&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">40,623&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">6,521&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">35,772&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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</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:112%">95,877</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 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%">634,254</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 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%">129,471</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 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%">849,685</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"/></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">The number of theoretical shares was calculated according to the average closing price of the BBVA share during the 60 trading sessions prior to the general shareholders&#8217; meetings of March 15, 2024 and March 17, 2023 which were &#8364;8.84 and &#8364;6.58 per share, respectively.</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">Directors appointed by the general shareholders&#8217; meeting held on March 15, 2024; accordingly, the allocation of theoretical shares is not due until 2025. </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">Director appointed by the general shareholders&#8217; meeting held on March 17, 2023; accordingly, the first allocation of theoretical shares was made in 2024.</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">Directors who left office on March 15, 2024. In application of the system, Jos&#233; Maldonado Ramos and Juan Pi Llorens received a total of 154,609 and 156,699 BBVA shares, respectively, after leaving office, which is equivalent to the total of theoretical shares accumulated up to that date by each of them.</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%">(5)</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">Director who left office on March 17, 2023. In application of the system, she received a total of 191,423 BBVA shares, after leaving office, which was equivalent to the total theoretical shares accumulated up to 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-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 2024 and 2023 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. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2024 and 2023 financial years, the executive directors accrued the annual variable remuneration corresponding to each such year, which was awarded once the financial year had ended, in accordance with the provisions of the Directors&#8217; Remuneration Policy. </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%">In 2024 executive directors accrued a short-term incentive of &#8364;2,871 thousand in the case of Chair and &#8364;2,147 thousand in the case of Chief Executive Officer. In addition, the executive directors were awarded the right to a long-term incentive for a maximum theoretical amount of &#8364;1,929 thousand in the case of Chair and &#8364;1,443 thousand in the case of Chief Executive Officer, which is equivalent, in both cases, to 150% of their target long-term incentive. However, its final amount, which may range between 0% and 150% of the target long-term incentive, shall be calculated once the last financial year of the measurement period of the long-term indicators approved for its calculation has ended. If 100% of the pre-established objectives are achieved, the long-term incentive will amount to &#8364;1,286 thousand in the case of Chair and &#8364;962 thousand in the case of Chief Executive Officer. The sum of the short-term incentive and the long-term incentive initially awarded constitutes the annual variable remuneration of each executive director for 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%">In addition, the remaining rules applicable to the annual variable remuneration of the executive directors established in the BBVA Directors&#8217; Remuneration Policy, shall apply to the annual variable remuneration for financial year 2024, which include: (i) a withholding period of one year after delivery of the BBVA shares or instruments linked to 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 that finally vests in accordance with the consumer price index; (iv) &#8220;malus&#8221; and &#8220;clawback&#8221; arrangements during the whole periods of deferral and withholding of shares or instruments; 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; meeting held in 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 upfront portion of the annual variable remuneration for 2024 and 2023 financial years vested and became payable following its award in 2025 and 2024, respectively, while the rest of it 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. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2024 and 2023 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 2024 and 2023 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:99.893%"><tr><td style="width:1.0%"/><td style="width:69.316%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.691%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.693%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding: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%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-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%">2023</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 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"/></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 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"/></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 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"/></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 style="width:35.417%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.311%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.311%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding: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:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2024 (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:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2023 (2) </span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt"/><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%">897&#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 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%">92,803&#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 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%">897&#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 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%">107,835&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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%">671&#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 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%">69,408&#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 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%">671&#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 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%">80,650&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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%">1,568</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 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%">162,211</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 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%">1,568</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 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%">188,485</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"/></tr></table></div><div style="margin-bottom:6pt;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">Initial portion (37%) of the annual variable remuneration, which represents the first payment of the short-term incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the annual variable remuneration for financial year 2024 (which includes the long-term incentive for financial year 2024) will be deferred (40% in cash and 60% in shares and share-linked instruments) over a five-year period. </span></div><div style="margin-bottom:6pt;margin-top:6pt;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%">The amount of the deferred portion will depend on the result of the long-term indicators that will be used to calculate the long-term incentive for financial year 2024. Likewise, and as an ex-post risk adjustment mechanism, the deferred portion may be reduced if certain capital and liquidity thresholds are not reached. The foregoing is intended to ensure that payment only occurs if it is sustainable, taking into account the Bank&#8217;s payment capacity.</span></div><div style="margin-bottom:6pt;margin-top:6pt;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%">As part of the deferred portion to be paid in shares or share-linked instruments, BBVA stock options shall be delivered to the Chair and the Chief Executive Officer (165,332 and 123,652, respectively), provided that the relevant conditions are met, once the second year of deferral has elapsed (that is, on February 15, 2027). The BBVA stock options may be exercised only on their expiration date, which shall be February 15, 2029, that is, four years after the effective date of the award and two years after their vesting, provided that the closing price of the BBVA share on the expiration date is above the exercise price. The exercise price has been set at &#8364;9.67 which is equal to the average closing price of the BBVA share between December 15, 2024 and January 15, 2025, both inclusive. The underlying asset of each BBVA stock option is one BBVA share. The BBVA stock options shall be settled by differences, meaning that the amount to be paid to each beneficiary as a result of their exercise shall be the difference between the market value of the BBVA share corresponding to the exercise date and the exercise price. This amount shall be paid to executive directors in BBVA shares.</span></div><div style="margin-bottom:6pt;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%">(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">Initial portion (37%) of the annual variable remuneration, which represents the first payment of the short-term incentive for financial year 2023 paid in 2024. Annual variable remuneration for financial year 2023 is subject to the rules on deferral, vesting and payment and to the remaining conditions established in the Directors Remuneration Policy.</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: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 style="width:21.242%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.770%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.770%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.773%"/><td style="width:0.1%"/></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:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2024 (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:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2023 (2)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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-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="6" 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%">2023</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">221</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">38,821</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:9pt;font-weight:400;line-height:112%">&#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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</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%">2022</span></td><td colspan="3" style="background-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%">236</span></td><td colspan="3" style="background-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%">56,941</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%">229&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">56,941&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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%">2021</span></td><td colspan="3" style="background-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%">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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">57,325</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%">222&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">57,325&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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%">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%">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%">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%">0</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">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:112%">45,529</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">176</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">45,529&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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;padding:2px 1pt;text-align: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="background-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%">&#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%">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-weight:400;line-height:112%">35,795&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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 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:9pt;font-weight:700;line-height:112%">867</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:9pt;font-weight:700;line-height:112%">198,616</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:700;line-height:112%">760</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 #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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:700;line-height:112%">195,590</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 #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" rowspan="6" 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%">2023</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">166</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%">29,034</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:9pt;font-weight:400;line-height:112%">&#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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</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%">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:400;line-height:112%">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:112%">43,793</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:112%">176</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">43,793&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">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:112%">43,552</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">169</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align: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="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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%">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%">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%">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%">0</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">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:112%">40,858</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:9pt;font-weight:400;line-height:112%">158</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">40,858&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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;padding:2px 1pt;text-align: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="background-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%">&#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:112%">&#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:112%">&#8212;</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 #000;padding:0 1pt"/><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:9pt;font-weight:700;line-height:112%">683</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:9pt;font-weight:700;line-height:112%">157,237</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:9pt;font-weight:700;line-height:112%">503</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:700;line-height:112%">128,203</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 #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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 colspan="3" style="border-bottom: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%">1,550</span></td><td colspan="3" style="border-bottom: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%">355,853</span></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%">1,263</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 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%">323,793</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"/></tr></table></div><div style="margin-bottom:6pt;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 to be paid after 2024 year-end, including the update of its cash portion. Payment thereof to the Chair and to the Chief Executive Officer will be made in 2025 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: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: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">2023 deferred annual variable remuneration: first payment of the deferred short-term incentive (17.9% of the deferred portion) becomes payable to executive directors. Thereafter, the second payment of the deferred short-term incentive (17.9% of the deferred portion) and the long-term incentive (64.2% of the deferred portion), will be deferred for both executive directors. The final amount of the 2023 long-term incentive shall depend on the result of the long-term indicators established for its calculation once their measurement period ends (at 2026 year-end), which may range between a level of achievement of 0% to 150%. If the relevant conditions are met, the second payment of the 2023 deferred short-term incentive will be made in 2026 and the three payments of the 2023 long-term incentive will be made in 2027, 2028 and 2029. </span></div><div style="margin-bottom:6pt;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">2022 deferred annual variable remuneration: second payment (20% of the deferred portion) becomes payable to executive directors. Thereafter, 60% of the 2022 deferred annual variable remuneration will be deferred for both executive directors, which, if the conditions are met, will be paid in 2026, 2027 and 2028.</span></div><div style="margin-bottom:6pt;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: third payment (20% of the deferred portion) becomes payable to executive directors,  after having verified that no reduction is applicable based on the result of the multi-year performance indicators determined in 2021 by the Board of Directors. Thereafter, 40% of the 2021 deferred annual variable remuneration will be deferred for both executive directors, which, if the conditions are met, will be paid in 2026, and 2027.</span></div><div style="margin-bottom:6pt;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">2020 deferred annual variable remuneration: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the accrual of the whole of their annual variable remuneration for 2020 financial year. </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: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: third and final payment (20% of the deferred portion) becomes payable to both executive directors. With such payment, the payment of the 2019 deferred annual variable remuneration will be completed. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span><br/></span></div><div style="margin-bottom:6pt;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%">(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 paid after 2023 year-end, including the update of its cash portion. Payment thereof to the Chair and to the Chief Executive Officer was made in 2024 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: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: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">2022 deferred annual variable remuneration: in 2024, the first payment (20% of the deferred portion) was made to executive directors . </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: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: in 2024, the second payment (20% of the deferred portion) was made to executive directors. </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: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">2020 deferred annual variable remuneration: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the accrual of the whole of their annual variable remuneration for 2020 financial year. </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: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: in 2024, the second payment (20% of the deferred portion) was made to executive directors.</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: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 2024, the third and final payment (20% of the deferred portion) was made to the Chair. With such payment, the payment to the Chair of the 2018 deferred annual variable remuneration was completed. This remuneration was 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 provisions established in the Directors&#8217; Remuneration Policy and contractually, during the 2024 and 2023 financial years, the Chair received, each year, the amount of &#8364;41 thousand of fixed allowances for vehicle rental and others. Meanwhile, the Chief Executive Officer received, each year, the amount of &#8364;654 thousand 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 the amount of &#8364;600 thousand for his mobility allowance.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, the executive directors received remuneration in kind during the 2024 and 2023 financial years, including insurance premiums and others, &#8364;140 thousand and &#8364;172 thousand in the case of the Chair and &#8364;128 thousand and &#8364;131 thousand in the case of the Chief Executive Officer, respectively.</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-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 executive directors, the Directors&#8217; Remuneration Policy establishes a pension framework whereby, in the case of the Chair, 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 agreed annual contribution to cover the retirement contingency for the Chair&#8217;s defined-contribution system, as established in the Directors&#8217; Remuneration Policy, 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%">A portion of 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 2024 financial year, the following amounts were recorded to meet the pension commitments for the Chair: &#8364;456 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;17 thousand corresponding to the upward adjustment of the &#8220;discretionary pension benefits&#8221; for the 2023 financial year, which were declared at the end of said financial year and had to be registered in the accumulated fund in 2024. Likewise, an amount of &#8364;252 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, 2024, the total accumulated amount of the fund to meet the retirement commitments for the Chair amounted to &#8364;26,893 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 2024 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 short-term incentive for the 2024 financial year and was determined to amount to &#8364;83 thousand, which represents an upward adjustment of &#8364;17 thousand. This upward adjustment to the &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund in the 2025 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 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 2024 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;221 thousand was disbursed for the payment of the annual insurance 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%">In accordance with the above, amounts recorded to meet the pension commitments for the executive directors during 2024 and 2023 are indicated below: </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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%">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:6pt;margin-top:10pt;text-align:center"><table 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:36.958%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.227%"/><td style="width:0.1%"/></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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Pension systems (thousands of euros)</span></div></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 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%">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-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 #ffffff;padding:0 1pt"/><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%">2024</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2023</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%">2024</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2023</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%">2024</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%">2023</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%">456</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%">458</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%">252</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%">322</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%">26,893</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%">24,759</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%">&#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:112%">&#8212;</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%">221</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%">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:9pt;font-weight:400;line-height:112%">&#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:112%">&#8212;</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%">456</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%">458</span></td><td colspan="3" style="background-color:#ffffff;border-bottom: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%">472</span></td><td colspan="3" style="background-color:#ffffff;border-bottom: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%">552</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%">26,893</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%">24,759</span></td></tr></table></div><div style="margin-bottom:6pt;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 2024 and 2023. 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 2023 and 2022, 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 2024 and 2023 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%">Extinction of contractual relationship</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 make severance payments 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-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 2024 and 2023 financial years, the members of Senior Management, excluding executive directors, (16 members and 15 members with such status as of December 31 of each financial year, respectively) received the amounts of their fixed remuneration corresponding to such financial 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%">In addition, in the 2024 and 2023 financial years, the members of Senior Management accrued the annual variable remuneration corresponding to each such year, which was awarded once the financial year had ended in accordance with 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%">In 2024 members of Senior Management with such status as of December 31, 2024, accrued a short-term incentive for an aggregate amount of &#8364;7,271 thousand. Likewise, members of Senior Management were awarded the right to a long-term incentive for an aggregate maximum theoretical amount of &#8364;4,856 thousand, which is equivalent to the sum of 150% of each beneficiary&#8217;s target long-term incentive. However, its final amount, which may range between 0% and 150% of the target long-term incentive, shall be calculated once the last financial year of the measurement period of the long-term indicators approved for its calculation has ended. If 100% of the pre-established objectives are achieved, the long-term incentive will amount to an aggregate amount of &#8364;3,237 thousand. The sum of the short-term incentive and the long-term incentive initially awarded constitutes the annual variable remuneration of Senior Management for 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%">In addition, the remaining rules applicable to the annual variable remuneration of the members of the Senior Management established in the BBVA Group&#8217;s General Remuneration Policy will apply to the annual variable remuneration for financial year 2024, which include: (i) a withholding period of one year after delivery of the BBVA shares or instruments linked to 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 that finally vests in accordance with the consumer price index; (iv) &#8220;malus&#8221; and &#8220;clawback&#8221; arrangements during the whole periods of deferral and withholding of shares or instruments; 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; meeting held in 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 upfront portion of the annual variable remuneration for financial years 2024 and 2023 vested and became payable following its award in 2025 and 2024, respectively, while the rest of it 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 2024 and 2023 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 2024 and 2023 financial years to members of the Senior Management, who held that position as of December 31, 2024 and as of December 31, 2023, 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 style="width:69.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.602%"/><td style="width:0.1%"/></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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Fixed Remuneration (thousands of euros)</span></div></td><td colspan="3" style="padding:2px 1pt;text-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%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-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%">2023</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"><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%">Total Senior Management (1)</span></div></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%">19,928&#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 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%">18,187&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:6pt;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">16 members at December 31, 2024 and 15 members at December 31, 2023, excluding executive directors in both cases. In January 2025, a new Global Head of Data was appointed. See &#8220;&#8212;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Senior Management</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="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><hr style="page-break-after:always"/><div style="min-height: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 style="width:35.417%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.311%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.311%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding: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:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2024 (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:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2023 (2) </span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt"/><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"><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%">Total Senior Management (3)</span></div></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:9pt;font-weight:400;line-height:112%">2,272</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%">235,016&#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 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%">2,229&#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 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%">267,628&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:6pt;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">Initial portion of the annual variable remuneration, which represents the first payment of the short-term incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares (the initial portion). The remaining amount of the annual variable remuneration for financial year 2024 (which includes the long-term incentive for financial year 2024) will be deferred (40% in cash and 60% in shares or share-linked instruments) over a five-year period (the deferred portion).</span></div><div style="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%">The amount of the deferred portion will depend on the result of the long-term indicators that will be used to calculate the long-term incentive for financial year 2024. Likewise, and as an ex-post risk adjustment mechanism, the deferred portion may be reduced if certain capital and liquidity thresholds are not reached. The foregoing is intended to ensure that payment only occurs if it is sustainable, taking into account the Bank&#8217;s payment capacity.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span><br/></span></div><div style="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%">As part of the deferred portion to be paid in shares or share-linked instruments, an aggregate number of BBVA stock options (398,738 in the aggregate), shall be delivered to the members of Senior Management, provided that the relevant conditions are met, once the second year of deferral has elapsed (that is, on February 15, 2027). The BBVA stock options may be exercised only on their expiration date, which shall be February 15, 2029, that is four years after the effective date of the award and two years after their vesting, provided that the closing price of the BBVA share on the expiration date is above the exercise price. The exercise price has been set at &#8364;9.67 which is equal to the average closing price of the BBVA share between December 15, 2024 and January 15, 2025, both inclusive. The underlying asset of each BBVA stock option is one BBVA share. The BBVA stock options shall be settled by differences, meaning that the amount to be paid to each beneficiary as a result of their exercise shall be the difference between the market value of the BBVA share corresponding to the exercise date and the exercise price. This amount shall be paid in BBVA shares. </span></div><div style="margin-bottom:6pt;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%">(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">Initial portion of the annual variable remuneration, which represents the first payment of the short-term incentive for financial year 2023 paid in 2024. Annual variable remuneration for financial year 2023 is subject to the rules on deferral, vesting and payment and to the remaining conditions established in the BBVA Group&#8217;s General Remuneration Policy.</span></div><div style="margin-bottom:6pt;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%">(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">16 members at December 31, 2024 and 15 members at December 31, 2023, excluding executive directors in both cases.</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 style="width:21.242%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.770%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.770%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.773%"/><td style="width:0.1%"/></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:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2024 (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:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2023 (2)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="6" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><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%">Senior Management Total (3)</span></div></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%">2023</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">576</span></td><td colspan="2" style="background-color:#ffffff;border-left: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:400;line-height:112%">98,636&#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 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%">&#8212;</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%">&#8212;</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%">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:400;line-height:112%">526</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">125,129&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">493</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">122,566&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">490</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">119,207&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">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:112%">116,528</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%">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-weight:400;line-height:112%">14,340&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">1,494&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">289,020&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">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-weight:400;line-height:112%">77,447&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-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%">303</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%">77,447&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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;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:400;line-height:112%">&#8212;</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">&#8212;</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%">139</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%">36,454&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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 #000;padding:0 1pt"/><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%">1,963</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 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%">434,759</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 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%">2,885</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 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%">642,015</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"/></tr></table></div><div style="margin-bottom:6pt;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 to be paid after 2024 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who are beneficiaries will take place in 2025 in accordance with the remuneration policies applicable in each financial year and the vesting and payment rules set forth therein applicable to each member of Senior Management, based on when they became such a member:</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: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">2023 deferred annual variable remuneration: first payment of the deferred short-term incentive becomes payable. </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:8pt;font-weight:400;line-height:120%;padding-left:14.5pt">2022 deferred annual variable remuneration: second payment becomes payable. </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:8pt;font-weight:400;line-height:120%;padding-left:14.5pt">2021 deferred annual variable remuneration: third payment becomes payable, after having verified that no reduction is applicable based on the result of the multi-year performance indicators determined in 2021 by the Board of Directors. </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:8pt;font-weight:400;line-height:120%;padding-left:14.5pt">2020 deferred annual variable remuneration: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the accrual of the whole of their annual variable remuneration for 2020 financial year. Without prejudice to the foregoing, a member of the Senior Management, who was an executive of BBVA USA Bancshares, Inc. (&#8220;BBVA USA&#8221;) at that moment, is entitled to the second payment of the deferred portion of a success bonus on the sale of BBVA USA.</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:8pt;font-weight:400;line-height:120%;padding-left:14.5pt">2019 deferred annual variable remuneration: third and last payment, becomes payable to the members of Senior Management who are beneficiaries. In addition, it includes the third and last payment of the Deferred Portion under a retention plan of a member of Senior Management.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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%">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:6pt;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%">(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 paid after 2023 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who were beneficiaries took place in 2024 in accordance with the vesting and payment rules applicable in each case depending on when they became members of the Senior Management, provided for in the remuneration policies applicable in each financial year:</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: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">2022 deferred annual variable remuneration: in 2024, the first payment was made to the members of 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: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: in 2024, the second payment was made to the members of 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: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">2020 deferred annual variable remuneration: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the accrual of the whole of their annual variable remuneration for 2020 financial year. Without prejudice to the foregoing, two members of the Senior Management, who were executives of BBVA USA at that moment, were entitled to the payment of the deferred portion of a success bonus on the sale of BBVA USA. Of this deferred portion, the whole of it was payable with respect to one person and the first payment of it with respect to the other, in accordance with the vesting and payment schedule applicable in each case pursuant to the remuneration policy applicable in that financial year. </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: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: in 2024, the second payment was made to the members of Senior Management that were beneficiaries. In addition, it includes the second payment of the Deferred Portion of a retention plan of a member of 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: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 2024, the third and final payment was made to the members of Senior Management that were beneficiaries.</span></div><div style="margin-bottom:6pt;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%">(3) &#160;&#160;&#160;&#160;16 members at December 31, 2024 and 15 members at December 31, 2023, excluding executive directors in both cases.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 BBVA Group&#8217;s General Remuneration Policy and contractually, members of Senior Management received fixed allowances for vehicle rental and others during the 2024 and 2023 financial years, amounting to a total of &#8364;347 thousand and &#8364;314 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-weight:400;line-height:120%">Moreover, the members of Senior Management received remuneration in kind during the 2024 and 2023 financial years, including insurance premiums and others, amounting to a total of &#8364;603 thousand and &#8364;590 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 2024 financial year, to meet the pension commitments for members of the Senior Management, the following aggregate amounts were recorded: an amount of &#8364;4,226 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;150 thousand corresponding to the upward adjustment of &#8220;discretionary pension benefits&#8221; for 2023 financial year which were declared at the end of that financial year and had to be registered in the accumulated fund in 2024), and an amount of &#8364;1,181 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%">As of December 31, 2024, the total accumulated amount of the fund to meet the retirement commitments for members of Senior Management amounted to &#8364;40,549 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 2024 financial year, an amount of &#8364;587 thousand was registered in 2024 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 short-term incentive for 2024 financial year that is part of the annual variable remuneration for 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%">Accordingly, the &#8220;discretionary pension benefits&#8221; for members of the Senior Management for the 2024 financial year were determined in an amount of &#8364;741 thousand, representing an upward adjustment of &#8364;154 thousand. This upward adjustment to the &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund in the 2025 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 2024 and 2023 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 style="width:33.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.535%"/><td style="width:0.1%"/></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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">Pension systems (thousands of euros)</span></div></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 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"/></tr><tr><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-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%">2024</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2023</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2024</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">2023</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%">2024</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%">2023</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"><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%">Senior Management Total (2)</span></div></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%">4,226</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%">3,829</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%">1,181</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%">1,102</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%">40,549</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%">34,069</span></td></tr></table></div><div style="margin-bottom:6pt;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 2024 and 2023, which correspond to the sum of the annual retirement pension contributions and the adjustments made to the &#8220;discretionary pension benefits&#8221; for 2023 and 2022, respectively, and the insurance premiums paid by the Bank for death and disability contingencies.</span></div><div style="margin-bottom:6pt;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%">(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">16 members at December 31, 2024 and 15 members at December 31, 2023, excluding executive directors in both cases.</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%">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-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%">Regarding Senior Management, excluding the executive directors, in 2024 the Bank did not make any payments arising from the termination of contractual relationships. </span></div><div id="i22a2e436ff7c462c96898906283f922e_274"></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, one external director 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 style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/></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: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:112%">Member (External)</span></div></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:112%">Mrs. Bel&#233;n Garijo L&#243;pez</span></div></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 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="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%">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&#8217;s investee 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%">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 2024, the Executive Committee met eighteen (18) 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="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><hr style="page-break-after:always"/><div style="min-height: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 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 style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/></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: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:112%">Mr. Jos&#233; Miguel Andr&#233;s Torrecillas</span></div></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: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:112%">Mr. Enrique Casanueva N&#225;rdiz</span></div></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: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:112%">Mrs. Sonia Dul&#225;</span></div></td></tr><tr><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:112%">Member (Independent)</span></div></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:112%">Mrs. Connie Hedegaard Koksbang</span></div></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="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="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><hr style="page-break-after:always"/><div style="min-height: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">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="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 2024, the Audit Committee met thirteen (13) times.</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%">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 non-Committee members 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 style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/></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: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:112%">Member (Independent)</span></div></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: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:112%">Member (Independent)</span></div></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:112%">Mr. Ra&#250;l Catarino Galamba de Oliveira</span></div></td></tr><tr><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:112%">Member (External)</span></div></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: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:112%">Mrs. Cristina de Parias Halc&#243;n</span></div></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="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="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;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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 non-Committee members 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="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><hr style="page-break-after:always"/><div style="min-height: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 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 2024, the Appointments and Corporate Governance Committee met four (4) 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 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 style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/></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: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:112%">Mrs. Ana Leonor Revenga Shanklin</span></div></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="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="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%">&#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 non-Committee members 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 2024, the Remuneration Committee met on five (5) 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, acquiring a global and comprehensive overview of such risks; with the exception of the specificities that, with regard to internal financial control, correspond to the Audit Committee; with regard to technological risk, correspond to the Technology and Cybersecurity Committee; and with regard to business and reputational risk, correspond to the Executive Committee; 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 five independent directors, including its Chair, 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 style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/></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: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:112%">Mr. Ra&#250;l Catarino Galamba de Oliveira</span></div></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: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:112%">Mr. Enrique Casanueva N&#225;rdiz</span></div></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: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:112%">Mrs. Sonia Dul&#225;</span></div></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></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%">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%">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="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="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;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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 non-Committee members 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 2024, it held twenty-three (23) 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="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%">As of the date of this Annual Report, the Technology and Cybersecurity Committee is composed of one executive director, three independent directors and 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 style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/></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: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:112%">Member (External)</span></div></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:112%">Mrs. Cristina de Parias Halc&#243;n</span></div></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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2024, it held seven (7) 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%">184</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_277"></div><hr style="page-break-after:always"/><div style="min-height: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, 2024, we had 125,916 employees. Approximately 99.6% 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 style="width:24.940%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.393%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">As of December 31, 2024</span></div></td></tr><tr><td colspan="3" style="padding: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:15pt"><td colspan="3" style="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"/><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="padding:2px 1pt;text-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%">21,965</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: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%">6,889</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%">28,854</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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: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%">234</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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: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%">77</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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-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%">85</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">62</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">62</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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: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%">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: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%">344</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">77</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%">421</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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: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%">16</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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%">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: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%">249</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">1,177</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">1,177</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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;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%">21,126</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: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%">21,126</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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-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%">98</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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: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%">22,783</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%">22,789</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%">6,966</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%">52,538</span></td></tr><tr style="height:12pt"><td colspan="3" style="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"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:18pt"/></tr><tr><td colspan="3" style="padding: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%">348</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%">165</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%">513</span></td></tr><tr style="height:12pt"><td colspan="3" style="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"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:18pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">5,986</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-weight:400;line-height:112%">196</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%">6,182</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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-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%">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-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%">5,265</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%">1,289</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%">6,554</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">1,809</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: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%">1,837</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">45,849</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%">3,044</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%">48,893</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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:9pt;font-weight:400;line-height:112%">47</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%">553</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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%">58</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%">58</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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%">773</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%">773</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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;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%">Peru</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">7,427</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:112%">355</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%">7,782</span></td></tr><tr style="height:12pt"><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;text-indent:18pt"/></tr><tr><td colspan="3" style="padding: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%">&#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%">66,876</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%">5,790</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%">72,666</span></td></tr><tr style="height:12pt"><td colspan="3" style="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"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:18pt"/></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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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: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%">8</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:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">China (1)</span></div></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%">154</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">154</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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: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%">16</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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%">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%">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;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%">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 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;text-indent:18pt"/></tr><tr><td colspan="3" style="padding: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%">199</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%">199</span></td></tr><tr style="height:12pt"><td colspan="3" style="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"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:18pt"/></tr><tr><td colspan="3" style="padding: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%">23,330</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%">89,665</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%">12,921</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%">125,916</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 employees of BBVA entities in Hong Kong and the rest of China.</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><hr style="page-break-after:always"/><div style="min-height: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, 2023, we had 121,486 employees. Approximately 99.3% 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 style="width:24.940%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.393%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:112%">As of December 31, 2023</span></div></td></tr><tr><td colspan="3" style="padding: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:15pt"><td colspan="3" style="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"/><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="padding:2px 1pt;text-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%">21,571</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-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%">5,839</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%">27,410</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">154</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">154</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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: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%">75</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">65</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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-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%">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: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%">47</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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: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%">124</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">350</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%">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: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%">429</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">19</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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%">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-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%">239</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">1,200</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">1,200</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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;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%">20,452</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">20,452</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">111</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">111</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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: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%">22,281</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%">22,219</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%">5,839</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%">50,339</span></td></tr><tr style="height:15pt"><td colspan="3" style="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"/><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="padding: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%">288</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%">117</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%">405</span></td></tr><tr style="height:15pt"><td colspan="3" style="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"/><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="padding:2px 1pt;text-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%">5,804</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:112%">192</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%">5,996</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">5,529</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%">1,301</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%">6,830</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">1,805</span></td><td colspan="3" style="padding:2px 1pt;text-align: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</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%">1,832</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-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%">44,133</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%">2,758</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%">46,891</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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:112%">52</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;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%">109</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%">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: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;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%">786</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%">786</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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;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;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%">Peru</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">7,208</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%">339</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%">7,547</span></td></tr><tr style="height:15pt"><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:'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%">&#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%">65,006</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%">5,564</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%">70,570</span></td></tr><tr style="height:15pt"><td colspan="3" style="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"/><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="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="padding:2px 1pt;text-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%">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;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"><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%">China (1)</span></div></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%">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: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%">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: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%">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: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%">16</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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%">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%">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:15pt"><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:'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%">172</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%">172</span></td></tr><tr style="height:15pt"><td colspan="3" style="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"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:18pt"/></tr><tr><td colspan="3" style="padding: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%">22,741</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%">87,342</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%">11,403</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%">121,486</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 employees of BBVA entities in Hong Kong and the rest of China.</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><hr style="page-break-after:always"/><div style="min-height: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, 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 style="width:24.940%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.393%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><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></div></td></tr><tr><td colspan="3" style="padding: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:15pt"><td colspan="3" style="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"/><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="padding:2px 1pt;text-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="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="padding:2px 1pt;text-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:15pt"><td colspan="3" style="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"/><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="padding: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:15pt"><td colspan="3" style="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"/><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="padding:2px 1pt;text-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:15pt"><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:'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:15pt"><td colspan="3" style="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"/><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="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="padding:2px 1pt;text-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"><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%">China (1)</span></div></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;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%">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%">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:15pt"><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:'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:15pt"><td colspan="3" style="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"/><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="padding: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="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 employees of BBVA entities in Hong Kong and the rest of China.</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:400;line-height:120%">The number of employees increased by 3.6% during 2024 and by 5.0% in 2023. The increase in the Group&#8217;s workforce during 2024 and 2023 was mainly due to the hiring of individuals with engineering, data, client solutions and sustainability profiles in Spain, Mexico and Peru to boost the transformation areas, as well as the hiring of employees from the branch network to support business growth in Mexico and Peru.</span></div><div id="i22a2e436ff7c462c96898906283f922e_280"></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 XXV Banking Collective Bargaining Agreement (BCBA) was signed on November 12, 2024 and will remain in force until December 31, 2026.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, 2024, 2023 and 2022, we had 119, 203 and 299 temporary employees in Spain, respectively.</span></div><div id="i22a2e436ff7c462c96898906283f922e_283"></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 2.2.13 and Note 25 to the Consolidated Financial Statements.</span></div><div id="i22a2e436ff7c462c96898906283f922e_286"></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="i22a2e436ff7c462c96898906283f922e_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%">As of February 19, 2025, 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 style="width:25.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.235%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.235%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.235%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.239%"/><td style="width:0.1%"/></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%">1,731,284</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%">1,731,284</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%">0.030</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%">1,097,374</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%">1,097,374</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%">0.019</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%">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%">Enrique Casanueva N&#225;rdiz</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%">Sonia Dul&#225; *</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%">7,500</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%">7,500</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%">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%">0.001</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%">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%">Cristina de Parias Halc&#243;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%">351,433</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%">351,433</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%">0.006</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%">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%">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%">647,929</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%">1,786,888</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%">2,434,817</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%">0.042</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%">3,921,348</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%">1,796,888</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%">5,718,236</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%">0.099</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:112%">* Onur Gen&#231;, Sonia Dul&#225; and Ana Revenga Shanklin owned</span><span style="color:#ffffff;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">31,326, 7,500, and 10,000 shares in the form of ADSs (American Depositary Shares), respectively.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">** In relation to the declared position of Carlos Salazar Lomel&#237;n, it includes the shares in the form of ADSs that he holds both directly (387,000) and indirectly (1,786,888).</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><div id="i22a2e436ff7c462c96898906283f922e_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 19, 2025 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 style="width:26.789%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.927%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.927%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.927%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.930%"/><td style="width:0.1%"/></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%">215,584</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: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%">215,584</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: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 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%">169,583</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%">&#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%">169,583</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%">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%">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%">133,726</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">133,726</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">Antonio Bravo Ac&#237;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%">8,342</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:400;line-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%">8,342</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:400;line-height:120%">0.000</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">104,865</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">104,865</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">110,601</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%">&#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%">110,601</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%">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%">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%">82,582</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%">82,582</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%">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%">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%">127,064</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: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%">232,095</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-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%">Paul Garc&#237;a Tobin</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">178,974</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%">&#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%">178,974</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%">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 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%">325,386</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%">&#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%">325,386</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%">0.006</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%">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%">130,960</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">130,960</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">69,108</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%">&#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%">69,108</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%">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%">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%">216,587</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">216,587</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">456,921</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">456,921</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">0.008</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">351,501</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">351,712</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%">0.006</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%">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%">244,894</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: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%">244,894</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:9pt;font-weight:400;line-height:120%">0.004</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%">2,926,678</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%">105,242</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%">3,031,920</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%">0.052</span></td></tr></table></div><div id="i22a2e436ff7c462c96898906283f922e_295"></div><div style="margin-bottom:15pt;margin-top:15pt;text-align:justify;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 19, 2025 a total of 12,429 employees (excluding the members of the Senior Management and executive directors) owned an aggregate of 43,353,330 shares, which represented 0.750% of our capital stock.</span></div><div id="i22a2e436ff7c462c96898906283f922e_298"></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%">In accordance with the provisions of the Directors&#8217; Remuneration Policy and the BBVA Group&#8217;s General Remuneration Policy, a portion of the annual variable remuneration for the 2024 financial year of executive directors, the rest of Senior Management and members of the Identified Staff, has been awarded in the form of BBVA stock options. Such BBVA stock options have not vested yet and they will only do so, provided the relevant conditions are met, in 2027. For additional information on such BBVA stock options, see &#8220;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8212;Compensation</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;.</span></div><div id="i22a2e436ff7c462c96898906283f922e_301"></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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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 5, 2024, BlackRock, Inc. reported to the SEC that it beneficially owned 7.2% of BBVA&#8217;s common stock. On March 26, 2024, Capital Research and Management Company reported to the CNMV that it indirectly had voting power over 5.027% of BBVA&#8217;s common stock. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 19, 2025, to BBVA&#8217;s knowledge, no other person, corporation or government beneficially owned, directly or indirectly, five percent or more of BBVA&#8217;s shares. On November 25, 2024, Europacific Growth Fund reported to the CNMV that it had a direct holding of 3.010% of BBVA&#8217;s common stock.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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%">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 BBVA, BBVA is not controlled, directly or indirectly, by any other corporation, government or any other natural or legal person. As of February 19, 2025, there were 698,744 registered holders of BBVA&#8217;s shares, with an aggregate of 5,763,285,463 shares, of which 698 shareholders with registered addresses in the United States held a total of 1,407,773,690 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="i22a2e436ff7c462c96898906283f922e_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="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%">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, 2024, 2023 and 2022, see Note 53 to the Consolidated Financial Statements.</span></div><div id="i22a2e436ff7c462c96898906283f922e_316"></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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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 2020 to 2024. 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:99.123%"><tr><td style="width:1.0%"/><td style="width:13.185%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.185%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.185%"/><td style="width:0.1%"/><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 style="width:1.0%"/><td style="width:13.185%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.185%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.185%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.190%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" 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 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%">Interim </span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><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="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 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;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: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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:'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: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: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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:'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:700;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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:'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><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:700;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:'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%">$0.177</span></td><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="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;0.390</span></td><td colspan="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%">$0.431</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:10pt;font-weight:400;line-height:120%">&#8364;0.550</span></td><td colspan="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%">$0.608</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:700;line-height:120%">2024 (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:10pt;font-weight:400;line-height:120%">&#8364;0.290</span></td><td colspan="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%">$0.300</span></td><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="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;0.410</span></td><td colspan="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%">$0.424</span></td><td colspan="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;0.700</span></td><td colspan="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%">$0.725</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 a cash distribution in the amount of &#8364;0.41 gross per share, announced on January 30, 2025 and proposed to be paid in April 2025, as the final dividend for the year 2024 (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;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Cash Dividends</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8221; herein). </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%">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 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="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:17.86pt"><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;. <span id="i9b56ddb499d04ed58f5758846958701d_15118"></span>Under applicable capital adequacy requirements, we estimate that as of December 31, 2024, BBVA had approximately &#8364;14.3 billion of reserves in excess of applicable capital and reserve requirements (based on a 13.29% 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 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 against 2021 results, excluding dividends paid in respect of treasury shares held by the Group&#8217;s companies, amounted to &#8364;1,463 million. Further, BBVA communicated on September 29, 2022 that the Board of Directors had approved the payment in cash of &#8364;0.12 gross per share, as an 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:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the Annual General Shareholders&#8217; Meeting held on March 17, 2023 approved a payment in cash of &#8364;0.31 gross per share, as a final dividend for 2022, which was paid on April 5, 2023. The total amount paid against 2022 results, excluding dividends paid in respect of treasury shares held by the Group&#8217;s companies, amounted to &#8364;1,857 million. Further, BBVA communicated on September 27, 2023 that the Board of Directors had approved the payment in cash of &#8364;0.16 gross per share, as an interim dividend against 2023 results, which was paid on October 11, 2023. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:130%">The Annual General Shareholders&#8217; Meeting of BBVA held on March 15, 2024 approved a payment in cash of &#8364;0.39 gross per share, as a final dividend for 2023, which was paid on April 10, 2024. The total amount paid against 2023 results, excluding dividends paid in respect of treasury shares held by the Group&#8217;s companies, amounted to &#8364;2,245 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%">Further, BBVA communicated on September 26, 2024 that the Board of Directors had approved the payment in cash of &#8364;0.29 gross per share, as an interim dividend against 2024 results, which was paid on October 10, 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%">Finally, on February 14, 2025 BBVA announced by means of an Inside Information filing with the CNMV, that the Board of Directors of BBVA has resolved to propose to the Annual General Shareholders&#8217; Meeting to be held on March 21, 2025 a cash distribution of &#8364;0.41 gross per share as a final dividend for 2024 to be paid on April 10, 2025.</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%">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%">On January 30, 2024, BBVA announced by means of an Inside Information filing with the CNMV, its intention 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;781 million, subject to obtaining the corresponding regulatory authorizations and the communication of the specific terms and conditions of the program before its execution. On March 1, 2024, after receiving the required authorization from the ECB, BBVA announced, by means of an Inside Information filing, that it would implement such buyback program for the repurchase of own shares in accordance with the provisions of Regulation (EU) No 596/2014 of the European Parliament and of the Council of April 16, 2014 on market abuse and Commission Delegated Regulation (EU) 2016/1052 of March 8, 2016 supplementing Regulation (EU) No. 596/2014 of the European Parliament and of the Council with regard to regulatory technical standards for the conditions applicable to buyback programs and stabilization measures (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Regulations</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 by a maximum monetary amount of &#8364;781 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%">On April 9, 2024, BBVA announced, by means of an Other Relevant Information filing, the completion of the execution of the share buyback program upon reaching the maximum monetary amount, having acquired 74,654,915 own shares between March 4 and April 9, 2024, representing, approximately, 1.28% of BBVA&#8217;s share capital as of April 9, 2024. The execution of the share buyback program was carried out externally by Citigroup Global Markets Europe AG.</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-weight:400;line-height:120%">On May 24, 2024, BBVA announced, by means of an Other Relevant Information filing with the CNMV, the partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 15, 2024, by reducing BBVA&#8217;s share capital in a nominal amount of &#8364;36,580,908 and the consequent redemption of 74,654,915 own shares of &#8364;0.49 par value each acquired by BBVA in execution of the share buyback program scheme and which were held as treasury shares. See Notes 4, 26, 27, 28 and 29 to the Consolidated Financial Statements.</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, among others, its intention 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 in relation to the 2022 results, subject to obtaining the corresponding regulatory authorizations and to the communication of the specific terms and conditions of the share buyback program before its execution. On March 17, 2023, after receiving the required authorization from the ECB, BBVA announced that it would implement a buyback program for the repurchase of own shares in accordance with the provisions of the Regulations, aimed at reducing BBVA&#8217;s share capital by a maximum monetary amount of &#8364;422 million. The execution was carried out internally by 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%">On April 21, 2023, BBVA announced, by means of an Other Relevant Information filing, the completion of the share buyback program upon reaching the maximum monetary amount of &#8364;422 million, having acquired 64,643,559 own shares between March 20 and April 20, 2023, representing, approximately, 1.07% 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 2, 2023, BBVA announced, by means of an Other Relevant Information filing, that it had completed a reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;31,675,343.91 and the consequent redemption, charged to unrestricted reserves, of 64,643,559 BBVA shares of &#8364;0.49 par value each acquired derivatively by BBVA in execution of the aforementioned share buyback program and which were held as treasury shares (see Notes 4 and 26 to the Consolidated Financial Statements). The share capital reduction was carried out pursuant to the resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 17, 2023, under item 3 of the agenda.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 28, 2023, BBVA announced, by means of an Inside Information filing, its request to the ECB for the relevant supervisory authorization in order to carry out a share buyback program of up to &#8364;1,000 million, subject to the granting of such authorization, the adoption of the corresponding corporate resolutions and the communication of the specific terms and conditions of the share buyback program before its execution. This share buy-back program was considered as an extraordinary shareholder distribution. On October 2, 2023, after receiving the required authorization from the ECB, BBVA announced that it would implement a new buyback program for the repurchase of own shares in accordance with the provisions of the Regulations, aimed at reducing BBVA&#8217;s share capital by a maximum monetary amount of &#8364;1,000 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%">On November 29, 2023, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount of &#8364;1,000 million, having acquired 127,532,625 own shares, between October 2 and November 29, 2023, representing, approximately, 2.14% 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 December 19, 2023, BBVA notified through an Other Relevant Information notice the second partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 17, 2023, under item 3 of the agenda, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;62,490,986.25 and the consequent redemption, charged to unrestricted reserves, of 127,532,625 own shares of &#8364;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program described above and which were held as treasury shares (see Notes 26, 27, 28 and 29 to the Consolidated Financial Statements).</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%">2022-2021</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 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 Annual General Shareholders&#8217; Meeting of BBVA 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 the Regulations, 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="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%">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 own shares, representing, approximately, 9.6% of BBVA&#8217;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 own 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 BBVA in execution of the First 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-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 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 (unfinished 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%">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 was 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 BBVA 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-weight:400;line-height:120%">The Program Scheme was not included in the scope of the shareholder remuneration policy.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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 the 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 and revelation of secrets 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="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><hr style="page-break-after:always"/><div style="min-height: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 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 id="i22a2e436ff7c462c96898906283f922e_328"></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 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%">194</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_331"></div><hr style="page-break-after:always"/><div style="min-height: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 9.       THE OFFER AND LISTING</span></div><div id="i22a2e436ff7c462c96898906283f922e_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 the 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, 2024 through December 31, 2024 the percentage of outstanding shares held by BBVA and its affiliates ranged between 0.076% and 1.513% (as a result of the implementation of the 2024 share buyback program and the partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 15, 2024 in 2024), calculated on a daily basis. As of January 31, 2025, the percentage of outstanding shares held by BBVA and its affiliates was 0.215%.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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 2024, 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="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="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;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%">By means of Circular 1/2023, of December 1, 2023, Sociedad de Bolsas amended certain aspects of the Operating Rules of the Spanish Automated Quotation System introducing certain new features and timeframes. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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. Iberclear is currently regulated by Regulation EU 909/2014, of July 23, on Central Securities Depositories, by articles 83 to 92 of Law 6/2023 on the Securities Markets and Investment Services and by Royal Decree 814/2023, of November 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-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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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="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%">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="margin-bottom:10pt;margin-top: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="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><hr style="page-break-after:always"/><div style="min-height: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 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 amended 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 amended 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%">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. The Prospectus Regulation has been amended by Regulation (EU) 2024/2809 of the European Parliament and of the Council of October 23, amending Regulations (EU) 2017/1129, (EU) No 596/2014 and (EU) No 600/2014 to make public capital markets in the European Union more attractive for companies and to facilitate access to capital for 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%">Listing Act</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). Among other things, the Listing Act updates certain disclosure requirements and expands the available exemptions from the requirement to produce a prospectus. While many of the changes under the Listing Act began to apply on December 4, 2024, some provisions will not apply until March 5, 2026 or June 5, 2026.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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="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><hr style="page-break-after:always"/><div style="min-height: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 18, 2023, Law 6/2023 on the Securities Markets and Investment Services was enacted and it became generally applicable from April 7, 2023, repealing, among others, former Royal Legislative Decree 4/2015. This new Spanish Securities Markets Act creates the new framework law for the securities markets, systematizing and reorganizing former laws and regulations and implementing several European directives, particularly in the area of crypto-assets and distributed ledger technologies. This new Securities Markets Act is further developed by four royal decrees published on November 9, 2023 in the Official Spanish Gazette: (i) Royal Decree 813/2023, of November 8, on the regime for investment firms and other entities providing investment services; (ii) Royal Decree 814/2023, of November 8, on financial instruments, admission to trading, register of negotiable securities and market infrastructures; (iii) Royal Decree 815/2023, of November 8, on official registers of the CNMV, cooperation with other authorities and supervision of investment firms; and (iv) Royal Decree 816/2023, of November 8, amending Royal Decree 1082/2012, of July 13, and developing Law 35/2003, of November 4, on collective investment schemes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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: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%">A share buyback program was executed in 2024, and separate buyback programs were also executed in 2023 and 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%">Item 8. Financial Information&#8212;Consolidated Statements and Other Financial Information&#8212;Dividends&#8212;Share Buyback Programs</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></div><div style="text-align:justify"><span style="background-color:#ffffff;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 an 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 several Ministerial Orders.</span></div><div style="margin-bottom:10pt;margin-top: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="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-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. The Listing Act also amends certain aspects of MAR, easing certain burdens on issuers and market participants, as to repurchase programs, market soundings, insider lists and blackout periods, effective as of December 4, 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%">Through Royal Decree-Law 19/2018 of November 23, on payment services and other urgent financial measures, the consolidated text of the then-applicable 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 id="i22a2e436ff7c462c96898906283f922e_340"></div><div style="margin-bottom:10pt;margin-top: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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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 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="i22a2e436ff7c462c96898906283f922e_355"></div><hr style="page-break-after:always"/><div style="min-height: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%">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%">201</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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%">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;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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 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</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 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 CNMV 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%">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: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="i22a2e436ff7c462c96898906283f922e_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, Royal Decree-Law 34/2020, of November 17, Royal Decree-Law 20/2022, of December 27, and Royal Decree-Law 9/2024, of December 23. 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 (repealed by RD 571/2023).</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%">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 subsequently by article 1 and article 62 of Royal Decree-Law 20/2022, of December 27), effective November 19, 2020 and until December 31, 2024 (a proposed further extension until December 31, 2026, as set forth in article 1 of Royal Decree-Law 9/2024, of December 23, has not yet been approved by the Spanish Congress), 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%">204</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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) 833/2014, it shall be prohibited to sell euro denominated transferable securities issued after April 12, 2022, or securities denominated in any other currency and issued after August 6, 2023, 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 a country member of the European Economic Area or of Switzerland, or natural persons having a temporary or permanent residence permit in a Member State, in a country member of the European Economic Area or in Switzerland.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, pursuant to Council Regulation (EC) No 765/2006, it shall be prohibited to sell transferable securities denominated in any official currency of a Member State issued after April 12, 2022 or units in collective investment undertakings providing exposure to such securities, to any Belarusian national or natural person residing in Belarus or any legal person, entity or body established in Belarus. Such prohibition 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="i22a2e436ff7c462c96898906283f922e_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></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 Group member has entered into any contract outside its ordinary course of business within the past two years that is material to the Group as a whole. </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><div id="i22a2e436ff7c462c96898906283f922e_373"></div><hr style="page-break-after:always"/><div style="min-height: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.   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 (repealed by RD 571/2023), 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, of July 4 on the legal regime on capital movements and foreign transactions (&#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;), required 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 needed to 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%">The Spanish Government approved Royal Decree 571/2023 of July 4 on foreign investments (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">New Spanish FDI Regulations</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), which repeals Royal Decree 664/1999 and develops Law 19/2003. The New Spanish FDI Regulations came into force on September 1, 2023, and their provisions apply to FDI filings submitted from that date onwards (ongoing FDI filings as of such date are governed by the former regulations). Royal Decree 571/2023 was further developed by Order ECM 57/2024, of January 29, setting forth the templates for the declarations in 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%">These new Spanish FDI Regulations set out: (i) post-closing notification obligations for foreign investments in Spain for statistical purposes; (ii) post-closing notification obligations for Spanish investments in foreign countries for statistical purposes; and (iii) most significantly, amended and developed rules for Spanish FDIs screening mechanisms (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Screening Mechanisms</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), under which the closing of specific FDIs requires prior authorization through both EU-law based general FDI screening, regulated in article 7 bis of Law 19/2003 (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">General FDI Screening Mechanism</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), and sector-specific screening (which applies to activities directly related to Spanish National Defense, the acquisition of real estate for diplomatic purposes by non-EU Member States and investments in activities directly related to weapons, cartridges, pyrotechnic items and civil use explosives or other material to be used by the State Security Forces and Bodies), which is a new mechanism.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 Screening Mechanisms do not prohibit foreign investments in Spain; rather, they are mandatory authorization procedures to be carried out prior to closing specific transactions. In particular, the General FDI Screening Mechanism brings the Spanish screening framework in line with that set out in the European Union laws, in particular, Regulation (EU) 2019/452, which allows Member States to adopt mechanisms to screen FDIs in the European Union. Banking is not expressly mentioned in the FDI sectors subject to the General FDI Screening Mechanism, which are the following: critical infrastructure, critical and dual-use technologies, key technologies for industrial leadership and training, technologies developed pursuant to projects or programs of particular interest to Spain, supply of critical inputs, sectors with access to or control to sensitive information and 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%">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%">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;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 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%">207</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_376"></div><hr style="page-break-after:always"/><div style="min-height: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%">E.      Taxation</span></div><div id="i22a2e436ff7c462c96898906283f922e_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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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="i22a2e436ff7c462c96898906283f922e_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 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="i22a2e436ff7c462c96898906283f922e_385"></div><hr style="page-break-after:always"/><div style="min-height: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%">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 id="i22a2e436ff7c462c96898906283f922e_388"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align: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="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%">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 style="margin-bottom:10pt;margin-top:10pt;text-align: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="i22a2e436ff7c462c96898906283f922e_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="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. 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="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%">210</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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. However, the IRS released notices that indicate that the Treasury Department and the IRS are considering amendments to these Treasury regulations and provide relief from certain of their provisions for taxable years ending before the date that a notice or other guidance withdrawing or modifying the temporary relief is issued (or any later date specified in such notice or other guidance). 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. The deductibility of capital losses is subject to limitations. Gain or loss, if any, will generally be U.S. source for foreign tax credit purposes. Under certain Treasury regulations, you generally will be precluded from claiming a foreign tax credit with respect to Spanish income taxes on gains from dispositions of ADSs or ordinary share. However, as discussed above 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;Taxation of Distributions</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, the IRS released notices that provide relief from certain of the provisions of these Treasury regulations (including the limitation described in the preceding sentence) for taxable years ending before the date that a notice or other guidance withdrawing or modifying the temporary relief is issued (or any later date specified in such notice or other guidance). However, even if these Treasury regulations do not prohibit you from claiming a foreign tax credit with respect to Spanish taxes on disposition gains, other limitations under the foreign tax credit rules may preclude you from claiming a foreign tax credit with respect to such Spanish taxes.</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%">211</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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%">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 2024 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. If the Exchange Offer is completed, our future PFIC status will also depend, in part, upon the composition of the income and assets of the Target 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%">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 exceed 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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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 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%">212</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_403"></div><hr style="page-break-after:always"/><div style="min-height: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%">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="i22a2e436ff7c462c96898906283f922e_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 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%">213</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_409"></div><hr style="page-break-after:always"/><div style="min-height: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 12.      DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES</span></div><div id="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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 id="i22a2e436ff7c462c96898906283f922e_421"></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 style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.234%"/><td style="width:0.1%"/></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="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%">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;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, 2024, the Depositary reimbursed us $837,934 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 2024.</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:50.209%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:47.591%"/><td style="width:0.1%"/></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, 2024</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">294,348</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-weight:400;line-height:120%">Investor Relations Marketing</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">441,261</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">23,957</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">78,037</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">330</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%">215</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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, 2024, 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, 2024 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%">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;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, 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%">Our internal control over financial reporting as of December 31, 2024 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%">217</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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;text-indent:17.86pt"><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 the Board of Directors of 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.&#8217;s internal control over financial reporting as of December 31, 2024, 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. (the Company) maintained, in all material respects, effective internal control over financial reporting as of December 31, 2024, 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 sheets of the Company as of December 31, 2024, 2023 and 2022, the related consolidated statements of income, recognized income and expense, changes in equity, and cash flows for each of the three years in the period ended December 31, 2024, and the related notes (collectively referred to as the &#8220;consolidated financial statements&#8221;), and our report dated February 21, 2025 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:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><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:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">February 21, 2025</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%">218</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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. Jos&#233; Miguel Andr&#233;s Torrecillas, current Chair of the Audit Committee, and the Audit Committee members Mrs. Sonia Dul&#225; 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%">Moreover, all the members of the Audit Committee (Mr. Jos&#233; Miguel Andr&#233;s Torrecillas, Mr. Enrique Casanueva N&#225;rdiz, Mrs. Sonia Dul&#225;, Mrs. Connie Hedegaard Koksbang, Mrs. Lourdes M&#225;iz Carro and Mrs. Ana Cristina Peralta Moreno) are independent within the meaning of Rule 10A-3 under the Exchange Act. </span></div><div id="i22a2e436ff7c462c96898906283f922e_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, and underwent a minor revision in July 2024, 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="i22a2e436ff7c462c96898906283f922e_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 firm (<ix:nonNumeric contextRef="c-1" name="dei:AuditorName" id="f-75">Ernst &amp; Young, S.L.</ix:nonNumeric>, <ix:nonNumeric contextRef="c-1" name="dei:AuditorLocation" id="f-76">Madrid, Spain</ix:nonNumeric>, Auditor Firm ID <ix:nonNumeric contextRef="c-1" name="dei:AuditorFirmId" id="f-77">1461</ix:nonNumeric>), and its 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 style="width:69.316%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.691%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.693%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</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%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 49pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">32.6</span></td><td colspan="3" style="padding:2px 49pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">28.5</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:112%">Audit-Related Fees (2)</span></td><td colspan="3" style="padding:2px 49pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">1.9</span></td><td colspan="3" style="padding:2px 49pt 2px 1pt;text-align: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</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-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 49pt 2px 1pt;text-align: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 49pt 2px 1pt;text-align: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 49pt 2px 1pt;text-align: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</span></td><td colspan="3" style="padding:2px 49pt 2px 1pt;text-align: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</span></td></tr><tr><td colspan="3" style="padding: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 49pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">34.5</span></td><td colspan="3" style="border-top:3pt double #000;padding:2px 49pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:112%">30.1</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 accountant (Ernst &amp; Young, S.L., Madrid, Spain, Auditor Firm ID 1461) and its 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 accountant (Ernst &amp; Young, S.L., Madrid, Spain, Auditor Firm ID 1461) and its 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 accountant (Ernst &amp; Young, S.L., Madrid, Spain, Auditor Firm ID 1461) and its 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 accountant (Ernst &amp; Young, S.L., Madrid, Spain, Auditor Firm ID 1461) and its 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 the 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%">219</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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="i22a2e436ff7c462c96898906283f922e_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="i22a2e436ff7c462c96898906283f922e_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 2024.</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 style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding: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%">2024</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%">6,732,993</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%">8.34</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%">&#8212;</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%">&#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%">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%">26,827,082</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.09</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">63,625,336</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10.25</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%">57,950,000</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%">183,191,711</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align: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%">25,731,475</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:400;line-height:120%">10.69</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16,705,353</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">5,483,298</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.86</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">5,377,522</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:400;line-height:120%">9.35</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">5,365,620</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.91</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">2,985,608</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.16</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">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%">1,647,667</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.51</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%">&#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%">4,810,687</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%">9.34</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">3,105,341</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%">9.06</span></td><td colspan="3" style="padding:2px 1pt;text-align: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%">2,871,870</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9.43</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%">154,564,499</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">9.89</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">74,655,353</span></td><td colspan="3" style="padding:0 1pt"/></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 January 2024, February 2024 and in the period from May to December 2024 (both inclusive), as well as the purchase of 5,675,336 and 9,026,122 shares in March and April, 2024, 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 approximate euro value 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 March 31, 2024, the dollar value of such shares was approximately $198 million (based on a euro/dollar exchange rate on March 31, 2024 of &#8364;1.00=$1.08).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 2024, 152,284,268 shares were disposed of for an average price of &#8364;9.89 per share. In addition, 74,654,915 shares were cancelled pursuant to the share capital reductions that were announced on May 24, 2024.</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%">220</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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-weight:400;line-height:120%">For information on share buyback programs implemented by BBVA in recent years, 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&#8212;Share Buyback Programs</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="i22a2e436ff7c462c96898906283f922e_457"></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%">Not Applicable.</span></div><div id="i22a2e436ff7c462c96898906283f922e_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="margin-bottom:10pt;margin-top:10pt;text-align:justify;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="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%">221</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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%">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 also composed exclusively of 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 2024 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 id="i22a2e436ff7c462c96898906283f922e_463"></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="i22a2e436ff7c462c96898906283f922e_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 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%">222</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_469"></div><hr style="page-break-after:always"/><div style="min-height: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 style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ITEM 16J.      INSIDER TRADING 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%">BBVA has <ix:nonNumeric contextRef="c-1" name="ecd:InsiderTrdPoliciesProcAdoptedFlag" format="ixt:fixed-true" id="f-78">adopted</ix:nonNumeric> insider trading policies and procedures governing the purchase, sale, and other dispositions of the registrant&#8217;s securities by directors, senior management, and employees that are reasonably designed to promote compliance with applicable insider trading laws, rules and regulations, and any listing standards applicable to BBVA. A copy of BBVA&#8217;s General Policy on Conduct in the Securities Markets is filed as Exhibit 11 to this report. This policy sets forth certain minimum standards for the prevention of -among others- market abuse, use of inside information, market manipulation, conflicts of interest and market abuse. Such minimum standards are adopted and, where applicable, further developed and supplemented at a regional level. </span></div><div id="i22a2e436ff7c462c96898906283f922e_472"></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 16K.      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-style:italic;font-weight:700;line-height:120%">Cybersecurity Risk Management</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:700;line-height:120%">Risk Management and Strategy</span></div><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementProcessesIntegratedTextBlock" id="f-80" continuedAt="f-80-1" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementProcessesIntegratedFlag" format="ixt:fixed-true" id="f-79">At BBVA, cybersecurity risk management is an integral part of our overall enterprise risk management program.</ix:nonNumeric> Our cybersecurity risk management program provides a framework for handling cybersecurity threats and incidents, including threats and incidents associated with the use of services provided by third-party service providers, and is designed to facilitate coordination across different departments of the Group in the handling of such cybersecurity threats and incidents. This framework includes steps for assessing the severity of a cybersecurity threat, identifying the source of a cybersecurity threat, including whether the cybersecurity threat is associated with a third-party service provider, implementing cybersecurity countermeasures and mitigation strategies and, as later explained in greater detail, informing management and our Board of Directors of material cybersecurity threats and incidents. Our cybersecurity risk management program is regularly updated to align with industry best practices established by internationally accepted security standards and its effectiveness in mitigating the risks that the Group is exposed to is periodically assessed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, cybersecurity is not only a strategic priority, but also one of the main elements in the digital transformation of the Bank. BBVA&#8217;s Corporate Security Area is responsible for ensuring adequate information security management by establishing security policies, procedures and controls that bolster the security of the Group&#8217;s global infrastructures, digital channels and payment methods following a holistic and threat intelligence-led approach, where a program has been designed for each of the four fundamental pillars of BBVA&#8217;s security strategy: cybersecurity, data protection, physical security and security in business processes and fraud management, with the aim to reduce the risks identified in the risk taxonomy defined by 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%">As cyberattacks evolve and become more sophisticated, the Group has strengthened its prevention and monitorization efforts. During the past few years, cybersecurity and information security measures have been reinforced with the aim to ensure an adequate protection of BBVA&#8217;s information and the assets supporting business processes. Security measures adopted in the past few years include measures intended to: (i) ensure end-to-end protection of business processes, considering logical and physical security, privacy and fraud management concerns, (ii) ensure compliance with 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, including by enhancing the use of facial biometrics, behavioral biometrics, advanced analytics models and the implementation of dynamic Card Verification Values (CVV).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, system monitoring capabilities, as well as incident prevention, detection and response capabilities have also been strengthened through the use of integrated information sources, improved analytical capabilities and automated platforms, improving information security management from a preventive and proactive 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%">Additionally, and with the aim to ensure that security is embedded in business processes, the security management model has been reinforced in the software development lifecycle process and in infrastructure, architecture and operations 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 Global Computer Emergency Response Team (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CERT</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) is the Group&#8217;s first line of detection and response to cyberattacks aimed at global users and the Group&#8217;s infrastructure. The Global CERT, which is based in Madrid, operates 24x7 and provides services in all countries where the Group operates, with operation lines dedicated to fraud and cybersecurity. The Global CERT receives information on cybersecurity threats from our Threat Intelligence Unit. Both of them are part of the Corporate Security Area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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&#8217; 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. Both the Corporate Security Area and the Risk Control Area engage <ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementThirdPartyEngagedFlag" format="ixt:fixed-true" id="f-81">third-party</ix:nonNumeric> security experts for risk assessments and system enhancements. </span></div></ix:nonNumeric><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%">223</span></div></div></div><hr style="page-break-after:always"/><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="f-80-1" continuedAt="f-80-2"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 working on the development of new artificial-intelligence and machine-learning models that enable the prediction and prevention of cyberattacks on financial infrastructure, providing a more secure client experience. BBVA&#8217;s Threat Intelligence Area has been reinforced in 2023 and 2024, adopting measures directed at transforming detailed technical information into actionable intelligence information that can be used to make decisions related to risk management. The Threat Intelligence Area continuously monitors threats that affect the financial sector and analyses risk trends with the aim to implement measures to minimize the risks the Group is exposed to. Analysis performed includes not only security trends but also the type, frequency and origin of attacks on systems and 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%">In addition, BBVA continuously carries out training and awareness initiatives related to security and privacy, promoting training and awareness campaigns for BBVA&#8217;s employees, clients and society, 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 (phishing, smishing, vishing), malware and other technical attacks detection, detection of scams, security on online purchases and how to react if there is 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%">BBVA&#8217;s cybersecurity strategy is based on internationally accepted security standards. It covers best practices established in information-security standards and guidelines including ISO/IEC 27002 and other ISO/IEC 27000 series standards, COBIT 5 and the NIST Cybersecurity 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%">BBVA has also obtained several security certifications (such as Tier IV and ISAE 3402 certifications) in different countries. To maintain these certifications, periodic external audits are performed, considering the specific requirements of each certification. The external auditors that perform these audits are selected from among the most recognized audit firms in the areas of each certification.</span></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-80-2"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag" format="ixt:fixed-true" id="f-82">Considering that one of the main risks companies face today are risks related to third parties, BBVA reinforced its controls to ensure an adequate protection of information by BBVA&#8217;s service providers in 2024. BBVA requires that service providers contracted by any Group company have internationally accepted security certifications. Security clauses are also included in contracts with service providers, including obligations to comply with specific security measures and all applicable legal and regulatory requirements. The third parties risk management model has been reinforced during 2024 to comply with the requirements of new regulations entering into force, such as the Digital Operational Resilience Act (DORA)</ix:nonNumeric></ix:continuation> (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;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;).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantTextBlock" id="f-83" escape="true">In 2024, <ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag" format="ixt:fixed-false" id="f-84">we did not identify any cybersecurity threats that materially affected or are reasonably likely to materially affect our business strategy</ix:nonNumeric>, results of operations or financial condition. However, despite our efforts, we cannot eliminate all risks from cybersecurity threats, or provide assurances that we have not experienced an undetected cybersecurity incident.</ix:nonNumeric> For more information about these risks, 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 3. Key Information&#8212;Risk Factors&#8212;Operational Risks&#8212;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 harm its reputation</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%">Governance</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock" id="f-87" continuedAt="f-87-1" escape="true"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock" id="f-86" continuedAt="f-86-1" escape="true"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock" id="f-85" escape="true"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock" id="f-88" escape="true">Our <ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag" format="ixt:fixed-true" id="f-89">Board of Directors</ix:nonNumeric> has overall oversight responsibility for our risk management</ix:nonNumeric>, and is assisted by the Board&#8217;s Technology and Cybersecurity Committee in the oversight of technological risk and cybersecurity management and in monitoring the Group&#8217;s technological and cybersecurity strategies.</ix:nonNumeric> This Committee, which meets every two months, is one of the main elements of our risk management governance model. It is responsible for the oversight of the Group&#8217;s technological and cybersecurity strategies and is informed by the <ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag" format="ixt:fixed-true" id="f-90" continuedAt="f-90-1">Chief Security Officer (&#8220;</ix:nonNumeric></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:continuation id="f-90-1" continuedAt="f-90-2">CSO</ix:continuation></span></ix:nonNumeric></ix:nonNumeric><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-87-1"><ix:continuation id="f-86-1"><ix:continuation id="f-90-2">&#8221;)</ix:continuation> of technological and cybersecurity performance and of any incidents that have arisen. The Committee keeps the Board of Directors informed of the main technological and cybersecurity risks to which the Group is exposed, as well as current cybersecurity and technological trends and any relevant security event that can affect the BBVA Group.</ix:continuation></ix:continuation> For a description of the functions of the Technology and Cybersecurity Committee, 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;Board Practices&#8212;Committees&#8212; Technology and Cybersecurity Committee</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;. </span></div><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskRoleOfManagementTextBlock" id="f-91" continuedAt="f-91-1" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 management process includes lines of action related to the adequate training of BBVA&#8217;s Board members in the area of cybersecurity 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></ix:nonNumeric><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%">224</span></div></div></div><hr style="page-break-after:always"/><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="f-91-1"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, BBVA&#8217;s Corporate Security Area and the Risk Control Area, based in Madrid, are responsible for identifying and assessing material cybersecurity risks on an ongoing basis, establishing processes to ensure that such potential cybersecurity risk exposures are monitored, putting in place appropriate mitigation measures and maintaining cybersecurity programs. Our cybersecurity programs are under the direction of our CSO, who receives reports from our cybersecurity team (which is part of the Corporate Security Area) and monitors the prevention, detection, mitigation, and remediation of cybersecurity incidents. Both the Corporate Security Area and the Risk Control Area engage third-party security experts for risk assessments and system enhancements.</span></div></ix:continuation><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock" id="f-92" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 CSO and certain of the personnel of the Corporate Security Area have obtained internationally recognized certifications such as ISACA, Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM), Certified in Risk and Information Systems Control (CRISC), Certified Data Privacy Solutions Engineer (CDPSE), SANS Institute Certifications (GIAC Security Essentials, GIAC Certified Incident Handler Certification, GIAC Strategic Planning Policy and Leadership), Certified Information Systems Security Professional (CISSP) and ISO Certifications (ISO 27001 Lead Auditor), among others, and consist of experienced information systems security professionals and information security managers with the experience and capabilities required for their security functions. The CSO regularly reports to BBVA&#8217;s Internal Control &amp; Operational Risk Committee on the Group&#8217;s cybersecurity programs, material cybersecurity risks and mitigation strategies and provide cybersecurity reports to them every two months that cover, among other topics, third-party assessments of the Group&#8217;s cybersecurity programs, developments in cybersecurity and updates to the Group&#8217;s cybersecurity programs and mitigation strategies.</span></div></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_475"></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="i22a2e436ff7c462c96898906283f922e_478"></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="i22a2e436ff7c462c96898906283f922e_481"></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-220.</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%">225</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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="-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 style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:41.735%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:41.736%"/><td style="width:0.1%"/></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 colspan="6" style="padding:0 1pt"/></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 colspan="6" style="padding:0 1pt"/></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 colspan="6" style="padding:0 1pt"/></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="https://www.sec.gov/Archives/edgar/data/842180/000119312525027343/d934512d6k.htm">Information on Compensation Plans (*)</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></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="#i22a2e436ff7c462c96898906283f922e_1120">Subsidiaries of Registrant (see Appendix I to </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="#i22a2e436ff7c462c96898906283f922e_1120">the</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="#i22a2e436ff7c462c96898906283f922e_1120"> Consolidated Financial Statements included herein)</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:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></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%">11.1</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="exhibit111.htm">I</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="exhibit111.htm">ns</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="exhibit111.htm">i</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="exhibit111.htm">der </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="exhibit111.htm">Trading </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="exhibit111.htm">P</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="exhibit111.htm">olicy </a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></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 Chair Certification</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></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 colspan="6" style="padding:0 1pt"/></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 colspan="6" style="padding:0 1pt"/></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 colspan="6" style="padding:0 1pt"/></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 colspan="6" style="padding:0 1pt"/></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:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">97.1</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="https://www.sec.gov/Archives/edgar/data/842180/000084218024000007/exhibit97.htm">Remuneration Recoupment Policy</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/842180/000084218024000007/exhibit97.htm"> (</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/842180/000084218024000007/exhibit97.htm">***</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/842180/000084218024000007/exhibit97.htm">)</a></span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></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><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">(*)&#160;&#160;&#160;&#160;Incorporated by reference to BBVA&#8217;s report on Form 6-K submitted on February 14, 2025 (SEC Accession No. 0001193125-25-027343), excluding the following sections of the Annual Report on the Remuneration of BBVA Directors: (i) &#8220;Executive summary - 2024&#8221; and (ii) section 3.2 B.(a) - &#8220;2024 Annual Variable Remuneration&#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%">(**)&#160;&#160;&#160;&#160;See also &#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;Organizational Structure</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%">(***) Incorporated by reference to BBVA&#8217;s Annual Report on Form 20-F for the year ended 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%">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%">226</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_487"></div><hr style="page-break-after:always"/><div style="min-height: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 style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:84.571%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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:15pt"><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: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"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">/s/ Luisa G&#243;mez Bravo</span></div></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/></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"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Luisa G&#243;mez Bravo</span></div></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><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Date:</span></div></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%">February 21, 2025</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%">227</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div id="i22a2e436ff7c462c96898906283f922e_493"></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 2024, 2023 and 2022</span></div><div style="padding-left:28.35pt"><span><br/></span></div><div style="padding-left:28.35pt"><span><br/></span></div><div style="padding-left:28.35pt"><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:justify"><span><br/></span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:28pt;font-weight:400;line-height:133%">Index</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 style="width:90.596%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.204%"/><td style="width:0.1%"/></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="#i22a2e436ff7c462c96898906283f922e_505">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="#i22a2e436ff7c462c96898906283f922e_505">3</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="#i22a2e436ff7c462c96898906283f922e_508">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="#i22a2e436ff7c462c96898906283f922e_508">6</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="#i22a2e436ff7c462c96898906283f922e_511">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="#i22a2e436ff7c462c96898906283f922e_511">8</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="#i22a2e436ff7c462c96898906283f922e_514">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="#i22a2e436ff7c462c96898906283f922e_514">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="#i22a2e436ff7c462c96898906283f922e_517">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="#i22a2e436ff7c462c96898906283f922e_517">12</a></span></div></td></tr></table></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 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:99.903%"><tr><td style="width:1.0%"/><td style="width:90.596%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.204%"/><td style="width:0.1%"/></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="#i22a2e436ff7c462c96898906283f922e_523">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_523">13</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="#i22a2e436ff7c462c96898906283f922e_547">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_547">15</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="#i22a2e436ff7c462c96898906283f922e_628">3. BBVA Group</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_628">39</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="#i22a2e436ff7c462c96898906283f922e_634">4. Shareholder remuneration system</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_634">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="#i22a2e436ff7c462c96898906283f922e_640">5. Earnings per share</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_640">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="#i22a2e436ff7c462c96898906283f922e_643">6. Operating segment reporting</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_643">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="#i22a2e436ff7c462c96898906283f922e_646">7. Risk management</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_646">48</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="#i22a2e436ff7c462c96898906283f922e_742">8. Fair value of financial instruments</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_742">93</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="#i22a2e436ff7c462c96898906283f922e_772">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_772">107</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="#i22a2e436ff7c462c96898906283f922e_775">10. Financial assets and liabilities held for trading</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_775">107</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="#i22a2e436ff7c462c96898906283f922e_784">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_784">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="#i22a2e436ff7c462c96898906283f922e_787">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_787">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="#i22a2e436ff7c462c96898906283f922e_790">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_790">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="#i22a2e436ff7c462c96898906283f922e_805">14. Financial assets at amortized cost</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_805">113</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="#i22a2e436ff7c462c96898906283f922e_817">15. </a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#i22a2e436ff7c462c96898906283f922e_817">Derivatives - Hedge accounting</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#i22a2e436ff7c462c96898906283f922e_817"> </a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#i22a2e436ff7c462c96898906283f922e_817">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_817">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="#i22a2e436ff7c462c96898906283f922e_826">16. Investments in joint ventures and associates </a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_826">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="#i22a2e436ff7c462c96898906283f922e_838">17. Tangible assets</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_838">120</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="#i22a2e436ff7c462c96898906283f922e_841">18. Intangible assets</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_841">124</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="#i22a2e436ff7c462c96898906283f922e_853">19. Tax assets and liabilities</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_853">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="#i22a2e436ff7c462c96898906283f922e_874">20. Other assets and liabilities </a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_874">130</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="#i22a2e436ff7c462c96898906283f922e_877">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_877">131</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="#i22a2e436ff7c462c96898906283f922e_880">22. Financial liabilities at amortized cost</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_880">133</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="#i22a2e436ff7c462c96898906283f922e_904">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_904">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="#i22a2e436ff7c462c96898906283f922e_925">24. Provisions</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_925">141</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="#i22a2e436ff7c462c96898906283f922e_931">25. Post-employment and other employee benefit commitments</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_931">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="#i22a2e436ff7c462c96898906283f922e_964">26. Capital</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_964">149</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="#i22a2e436ff7c462c96898906283f922e_979">27. Share premium</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_979">152</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="#i22a2e436ff7c462c96898906283f922e_982">28. Retained earnings and other reserves</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_982">152</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="#i22a2e436ff7c462c96898906283f922e_997">29. Treasury shares</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_997">154</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="#i22a2e436ff7c462c96898906283f922e_1000">30. Accumulated other comprehensive income (loss)</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1000">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="#i22a2e436ff7c462c96898906283f922e_1003">31. Minority interests (non-controlling interests)</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1003">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="#i22a2e436ff7c462c96898906283f922e_1006">32. Capital base and capital management</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1006">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="#i22a2e436ff7c462c96898906283f922e_1018">33. Commitments and guarantees given</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1018">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="#i22a2e436ff7c462c96898906283f922e_1021">34. Other contingent assets and liabilities</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1021">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="#i22a2e436ff7c462c96898906283f922e_1024">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_1024">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="#i22a2e436ff7c462c96898906283f922e_1027">36. Transactions on behalf of third parties</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1027">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="#i22a2e436ff7c462c96898906283f922e_1030">37. Net interest income</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1030">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="#i22a2e436ff7c462c96898906283f922e_1039">38. Dividend income</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1039">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="#i22a2e436ff7c462c96898906283f922e_1042">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_1042">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="#i22a2e436ff7c462c96898906283f922e_1045">40. Fee and commission income and expense</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1045">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="#i22a2e436ff7c462c96898906283f922e_1048">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_1048">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="#i22a2e436ff7c462c96898906283f922e_1054">42. Other operating income and expense </a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1054">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="#i22a2e436ff7c462c96898906283f922e_1057">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_1057">166</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:14pt;margin-top:14pt;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 style="width:90.596%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.204%"/><td style="width:0.1%"/></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="#i22a2e436ff7c462c96898906283f922e_1060">44. Administration costs</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1060">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="#i22a2e436ff7c462c96898906283f922e_1072">45. Depreciation and amortization </a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1072">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="#i22a2e436ff7c462c96898906283f922e_1075">46. Provisions or reversal of provisions</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1075">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="#i22a2e436ff7c462c96898906283f922e_1078">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_1078">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="#i22a2e436ff7c462c96898906283f922e_1081">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_1081">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="#i22a2e436ff7c462c96898906283f922e_1084">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_1084">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="#i22a2e436ff7c462c96898906283f922e_1087">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_1087">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="#i22a2e436ff7c462c96898906283f922e_1090">51. Consolidated statements of cash flows </a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1090">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="#i22a2e436ff7c462c96898906283f922e_1093">52. Accountant fees and services</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1093">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="#i22a2e436ff7c462c96898906283f922e_1096">53. Related-party transactions</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1096">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="#i22a2e436ff7c462c96898906283f922e_1111">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:middle"><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="#i22a2e436ff7c462c96898906283f922e_1111">173</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="#i22a2e436ff7c462c96898906283f922e_1114">55. Other information</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1114">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="#i22a2e436ff7c462c96898906283f922e_1117">56. Subsequent events</a></span></div></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:#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="#i22a2e436ff7c462c96898906283f922e_1117">181</a></span></div></td></tr></table></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%">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 style="width:90.596%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.204%"/><td style="width:0.1%"/></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="#i22a2e436ff7c462c96898906283f922e_1123">APPENDIX I. Additional information on subsidiaries and structured entities composing the BBVA Group as of December 31, </a>2024</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="#i22a2e436ff7c462c96898906283f922e_1123">183</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="#i22a2e436ff7c462c96898906283f922e_1126">APPENDIX II. Additional information on investments joint ventures and associates in the BBVA Group as of December 31, </a>2024</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="#i22a2e436ff7c462c96898906283f922e_1126">188</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="#i22a2e436ff7c462c96898906283f922e_1129">APPENDIX III. Changes and notifications of participations in the BBVA Group in </a>2024</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="#i22a2e436ff7c462c96898906283f922e_1129">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="#i22a2e436ff7c462c96898906283f922e_1132">APPENDIX IV. Fully consolidated subsidiaries with more than 10% owned by non-Group shareholders as of December 31, </a>2024</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="#i22a2e436ff7c462c96898906283f922e_1132">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="#i22a2e436ff7c462c96898906283f922e_1135">APPENDIX V. BBVA Group&#8217;s </a>securitization funds. Structured entities in 2024.</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="#i22a2e436ff7c462c96898906283f922e_1135">192</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="#i22a2e436ff7c462c96898906283f922e_1138">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, </a>2024<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#i22a2e436ff7c462c96898906283f922e_1138">, </a>2023<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#i22a2e436ff7c462c96898906283f922e_1138"> and </a>2022</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="#i22a2e436ff7c462c96898906283f922e_1138">193</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="#i22a2e436ff7c462c96898906283f922e_1141">APPENDIX VII Consolidated balance sheets held in foreign currency as of December 31, </a>2024<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#i22a2e436ff7c462c96898906283f922e_1141">, </a>2023<a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#i22a2e436ff7c462c96898906283f922e_1141"> and </a>2022</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="#i22a2e436ff7c462c96898906283f922e_1141">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="#i22a2e436ff7c462c96898906283f922e_1144">APPENDIX VIII. Quantitative information on refinancing and restructuring operations and other requirement</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#i22a2e436ff7c462c96898906283f922e_1144">s</a><a style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none" href="#i22a2e436ff7c462c96898906283f922e_1144"> 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="#i22a2e436ff7c462c96898906283f922e_1144">196</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="#i22a2e436ff7c462c96898906283f922e_1156">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="#i22a2e436ff7c462c96898906283f922e_1156">205</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="i22a2e436ff7c462c96898906283f922e_2720"></div><hr style="page-break-after:always"/><div style="min-height: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 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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:107%">To the Shareholders and the Board of Directors of 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;text-align:justify"><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. (the Company) as of December 31, 2024, 2023 and 2022, the related consolidated statements of income, recognized income and expense, changes in equity and cash flows for each of the three years in the period ended December 31, 2024, and the related notes</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"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(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 at December 31, 2024, 2023 and 2022, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2024, 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;text-align:justify"><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's internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (2013 framework), and our report dated  February 21, 2025 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;text-align:justify"><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's management. Our responsibility is to express an opinion on the Company&#8217;s financial statements based on our audits. 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"><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 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 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 audits provide 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;text-align:justify"><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;text-align:center;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 style="width:16.003%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:81.797%"/><td style="width:0.1%"/></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:120%">Expected credit losses related to loans and advances to customers at amortized cost</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 at amortized cost was &#8364;11,611 million as of December 31, 2024. 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 at amortized cost involved subjective and complex auditor judgment, as well as specialized skills and knowledge, due to the significant measurement uncertainty, including: (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">i</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">) 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), the exposure at default (EAD) and the loss given default (LGD), (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">ii</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">) the need for and measurement of certain qualitative adjustments to the collective ECL, (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">iii</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">) 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, (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">iv</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">) the complexity of mathematical calculations of the ECL of loans collectively and individually evaluated for impairment, and (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">v</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">) the determination of updated and accurate relevant underlying data and assumptions, including forward-looking information that could be affected by future economic conditions.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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;text-align:center;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 style="width:16.003%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:81.797%"/><td style="width:0.1%"/></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 at amortized cost, 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, evaluating the Company&#8217;s ECL methodology and a sample of models used in calculating the PD, EAD and LGD. We also assessed the assumptions incorporated by management into the models by inspecting model documentation and the results of the Group&#8217;s internal validation unit, and replicating the model development process for key parameters. We also replicated the ECL engine logic used to calculate the final aggregated ECL amount and recalculated 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. We also tested the accuracy of underlying data for a sample of loans by comparing them to contractual documentation and, for the forward-looking information, developing independent estimates of future economic conditions and comparing them to management&#8217;s estimates. We also reviewed the documentation related to qualitative adjustments to the ECL and assessed the inputs and assumptions used by management.</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 our 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 of estimates 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, against the requirements of IFRS 9 Financial Instruments and IFRS 7 Financial Instruments: Disclosures.</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:120%">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;180,490 million of financial assets measured at fair value (of which &#8364;89,675 million were classified as Level 2 and &#8364;4,843 million were classified as Level 3) and &#8364;104,046 million of financial liabilities measured at fair value (of which &#8364;86,417 million were classified as Level 2 and &#8364;3,321 million were classified as Level 3) as of December 31, 2024. 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. 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 assumptions, some of 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, approval and 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 our valuation specialists, included, among others, evaluating the Company&#8217;s valuation models and methodologies by performing an independent valuation 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, against the requirements of IFRS 9 Financial Instruments and IFRS 13 Fair Value Measurement.</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%"> February 21, 2025</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-2</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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-20241231_g1.jpg" alt="BBVA_RGB.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:100px"/></div><div id="i22a2e436ff7c462c96898906283f922e_505"></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%">Consolidated balance sheets as of December 31, 2024, 2023 and 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 style="width:55.910%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.304%"/><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: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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><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%">2024</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%">2023</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></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="c-13" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-93">51,145</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="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-94">75,416</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="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-95">79,756</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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-96">108,948</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-97">141,042</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-98">110,671</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 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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-99">36,003</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="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-100">34,293</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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-101">39,908</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 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="c-13" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-102">6,760</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="c-20" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-103">4,589</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="c-21" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-104">4,404</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 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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-105">27,955</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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-106">28,569</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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-107">24,367</ix:nonFraction></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"/></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 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="c-13" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" scale="6" id="f-108">556</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="c-20" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-109">2,809</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="c-21" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-110">1,632</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 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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-111">20,938</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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-112">56,599</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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-113">25,231</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 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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-114">16,736</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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-115">14,182</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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-116">15,130</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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-117">10,546</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-118">8,737</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-119">6,888</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 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="c-13" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-120">9,782</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="c-20" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-121">7,963</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="c-21" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-122">6,511</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 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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-123">407</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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-124">484</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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-125">129</ix:nonFraction></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"/></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"/></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"/></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</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-126">358</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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-127">290</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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-128">247</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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-129">836</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-130">955</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-131">913</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 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="c-13" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-132">836</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="c-20" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-133">955</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="c-21" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-134">913</ix:nonFraction></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"/></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"/></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"/></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"/></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"/></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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-135">59,002</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-136">62,205</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-137">65,374</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 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="c-13" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-138">1,451</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="c-20" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-139">1,217</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="c-21" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-140">1,198</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 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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-141">57,526</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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-142">60,963</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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-143">64,150</ix:nonFraction></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"/></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"/></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 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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-144">25</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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-145">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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-146">26</ix:nonFraction></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"/></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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-147">502,400</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-148">451,732</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-149">414,421</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 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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-150">59,014</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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-151">49,462</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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-152">36,639</ix:nonFraction></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"/></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 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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-153">8,255</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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-154">7,151</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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-155">4,401</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 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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-156">22,655</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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-157">17,477</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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-158">16,031</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 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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-159">412,477</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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-160">377,643</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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-161">357,351</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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-162">1,158</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="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-163">1,482</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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-164">1,891</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="c-13" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-165">65</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="c-20" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-166">97</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="c-21" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-167">148</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="c-13" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-168">989</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="c-20" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-169">976</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="c-21" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-170">916</ix:nonFraction></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"/></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 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="c-13" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-171">94</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="c-20" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-172">93</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="c-21" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-173">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%">Associates</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-13" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-174">895</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="c-20" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-175">883</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="c-21" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-176">816</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="c-13" decimals="-6" name="ifrs-full:InsuranceContractsThatAreAssets" scale="6" id="f-177">191</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="c-20" decimals="-6" name="ifrs-full:InsuranceContractsThatAreAssets" scale="6" id="f-178">211</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="c-21" decimals="-6" name="ifrs-full:InsuranceContractsThatAreAssets" scale="6" id="f-179">183</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="c-13" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-180">9,759</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="c-20" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-181">9,253</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="c-21" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-182">8,737</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 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="c-13" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-183">9,506</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="c-20" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-184">9,046</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="c-21" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-185">8,441</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 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="c-13" decimals="-6" name="bbva:TangibleAssetsForOwnUse" format="ixt:num-dot-decimal" scale="6" id="f-186">8,501</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="c-20" decimals="-6" name="bbva:TangibleAssetsForOwnUse" format="ixt:num-dot-decimal" scale="6" id="f-187">8,295</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="c-21" decimals="-6" name="bbva:TangibleAssetsForOwnUse" format="ixt:num-dot-decimal" scale="6" id="f-188">7,911</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 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="c-13" decimals="-6" name="bbva:OtherTangibleAssetsLeasedOutUnderAnOperatingLease" format="ixt:num-dot-decimal" scale="6" id="f-189">1,004</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="c-20" decimals="-6" name="bbva:OtherTangibleAssetsLeasedOutUnderAnOperatingLease" scale="6" id="f-190">751</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="c-21" decimals="-6" name="bbva:OtherTangibleAssetsLeasedOutUnderAnOperatingLease" scale="6" id="f-191">530</ix:nonFraction></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"/></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 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="c-13" decimals="-6" name="ifrs-full:InvestmentProperty" scale="6" id="f-192">253</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="c-20" decimals="-6" name="ifrs-full:InvestmentProperty" scale="6" id="f-193">207</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="c-21" decimals="-6" name="ifrs-full:InvestmentProperty" scale="6" id="f-194">296</ix:nonFraction></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"/></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="c-13" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-195">2,490</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="c-20" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-196">2,363</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="c-21" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-197">2,156</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 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="c-13" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-198">700</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="c-20" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-199">795</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="c-21" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-200">707</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 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="c-13" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-201">1,790</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="c-20" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-202">1,568</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="c-21" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-203">1,449</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="c-13" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-204">18,650</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="c-20" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-205">17,501</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="c-21" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-206">16,725</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 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="c-13" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-207">4,295</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="c-20" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-208">2,860</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="c-21" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-209">1,978</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 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="c-13" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-210">14,354</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="c-20" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-211">14,641</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="c-21" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-212">14,747</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="c-13" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-213">5,525</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="c-20" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-214">2,859</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="c-21" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-215">2,586</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 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="c-13" decimals="-6" name="bbva:InsuranceContractsLinkedToPensions" format="ixt:fixed-zero" scale="6" id="f-216">&#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="c-20" decimals="-6" name="bbva:InsuranceContractsLinkedToPensions" format="ixt:fixed-zero" scale="6" id="f-217">&#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="c-21" decimals="-6" name="bbva:InsuranceContractsLinkedToPensions" format="ixt:fixed-zero" scale="6" id="f-218">&#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 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="c-13" decimals="-6" name="ifrs-full:InventoriesTotal" format="ixt:num-dot-decimal" scale="6" id="f-219">1,299</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="c-20" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="f-220">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="c-21" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="f-221">325</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 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="c-13" decimals="-6" name="bbva:RestOtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-222">4,226</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="c-20" decimals="-6" name="bbva:RestOtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-223">2,583</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="c-21" decimals="-6" name="bbva:RestOtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-224">2,260</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="c-13" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-225">828</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="c-20" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-226">923</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="c-21" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-227">1,022</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="c-13" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-228">772,402</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="c-20" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-229">775,558</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="c-21" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-230">712,092</ix:nonFraction></span></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%">The 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-3</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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-20241231_g1.jpg" alt="BBVA_RGB.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:130%">Consolidated balance sheets as of December 31, 2024, 2023 and 2022 (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 style="width:55.448%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.458%"/><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: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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><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%">2024</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%">2023</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%">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: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="c-13" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-231">86,591</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="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-232">121,715</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="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-233">95,611</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 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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-234">33,059</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-235">33,045</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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-236">37,909</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-237">13,878</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-238">15,735</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-239">13,487</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-240">3,360</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-241">6,397</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-242">3,950</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-243">16,285</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="c-20" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-244">43,337</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="c-21" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-245">28,924</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-246">20,010</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-247">23,201</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-248">11,341</ix:nonFraction></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"/></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"/></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="c-13" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-249">14,952</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="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-250">13,299</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="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-251">10,580</ix:nonFraction></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"/></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"/></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"/></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 colspan="3" style="border-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="c-13" decimals="-6" name="bbva:DepositsFromCentralBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-252">&#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="c-20" decimals="-6" name="bbva:DepositsFromCentralBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-253">&#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="c-21" decimals="-6" name="bbva:DepositsFromCentralBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-254">&#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%">Deposits from credit institutions</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-255">&#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="c-20" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-256">&#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="c-21" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-257">&#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%">Customer deposits</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-258">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-259">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="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-260">700</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 issued</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-261">4,597</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-262">3,977</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-263">3,288</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:7pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-264">9,420</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="c-20" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-265">8,605</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-266">6,592</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 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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-267">&#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="c-20" decimals="-6" name="bbva:MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-268">&#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="c-21" decimals="-6" name="bbva:MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-269">&#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="c-13" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-270">584,339</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="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-271">557,589</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="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-272">529,172</ix:nonFraction></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"/></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 colspan="3" style="border-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="c-13" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-273">14,668</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="c-20" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-274">20,309</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-275">38,323</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-276">34,406</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-277">40,039</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="c-21" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-278">26,935</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-279">447,646</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-280">413,487</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="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-281">394,404</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 issued</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-282">69,867</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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-283">68,707</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-284">55,429</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-285">17,753</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="c-20" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-286">15,046</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-287">14,081</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 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="c-13" decimals="-6" name="ifrs-full:SubordinatedLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-288">19,612</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="c-20" decimals="-6" name="ifrs-full:SubordinatedLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-289">15,867</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="c-21" decimals="-6" name="ifrs-full:SubordinatedLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-290">12,509</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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-291">2,503</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="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-292">2,625</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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-293">3,303</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="c-13" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="f-294">&#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="c-20" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="f-295">&#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="c-21" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="f-296">&#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="c-13" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-297">10,981</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="c-20" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-298">12,110</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="c-21" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-299">10,131</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="c-13" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-300">4,619</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="c-20" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-301">4,924</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="c-21" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-302">4,933</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 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="c-13" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="f-303">2,348</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="c-20" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="f-304">2,571</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="c-21" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="f-305">2,632</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:7pt;font-weight:400;line-height:120%">Other long term employee benefits</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:OtherLongTermEmployeesBenefits" scale="6" id="f-306">384</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:OtherLongTermEmployeesBenefits" scale="6" id="f-307">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:OtherLongTermEmployeesBenefits" scale="6" id="f-308">466</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="f-309">791</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="f-310">696</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="f-311">685</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ProvisionsCommitmentsAndGuaranteesGiven" scale="6" id="f-312">667</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ProvisionsCommitmentsAndGuaranteesGiven" scale="6" id="f-313">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="c-21" decimals="-6" name="bbva:ProvisionsCommitmentsAndGuaranteesGiven" scale="6" id="f-314">770</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 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="c-13" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-315">429</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="c-20" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-316">452</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="c-21" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-317">380</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="c-13" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-318">3,033</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-319">2,554</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="c-21" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-320">2,935</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 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="c-13" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="f-321">575</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="c-20" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="f-322">878</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="c-21" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-323">1,415</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-324">2,458</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="c-20" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-325">1,677</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-326">1,520</ix:nonFraction></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"/></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="c-13" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-327">5,370</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="c-20" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-328">5,477</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="c-21" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-329">4,909</ix:nonFraction></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"/></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="c-13" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-330">&#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="c-20" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-331">&#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="c-21" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-332">&#8212;</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 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="c-13" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-333">712,388</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="c-20" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-334">720,293</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="c-21" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-335">661,575</ix:nonFraction></span></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%">The 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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-20241231_g1.jpg" alt="BBVA_RGB.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, 2024, 2023 and 2022 (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 style="width:55.448%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.458%"/><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: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 colspan="3" style="background-color:#E9E9E9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;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%">2023</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;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%">2022</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%">SHAREHOLDERS&#8217; FUNDS</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-13" decimals="-6" name="bbva:ShareholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-336">72,875</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="c-20" decimals="-6" name="bbva:ShareholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-337">67,955</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="c-21" decimals="-6" name="bbva:ShareholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-338">64,535</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="c-13" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-339">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:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-340">2,861</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="c-21" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-341">2,955</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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:PaidUpCapital" format="ixt:num-dot-decimal" scale="6" id="f-342">2,824</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:PaidUpCapital" format="ixt:num-dot-decimal" scale="6" id="f-343">2,861</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:PaidUpCapital" format="ixt:num-dot-decimal" scale="6" id="f-344">2,955</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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:UnpaidCapitalWhichHasBeenCalledUp" format="ixt:fixed-zero" scale="6" id="f-345">&#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="c-20" decimals="-6" name="bbva:UnpaidCapitalWhichHasBeenCalledUp" format="ixt:fixed-zero" scale="6" id="f-346">&#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="c-21" decimals="-6" name="bbva:UnpaidCapitalWhichHasBeenCalledUp" format="ixt:fixed-zero" scale="6" id="f-347">&#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="c-13" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-348">19,184</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="c-20" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-349">19,769</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="c-21" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-350">20,856</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 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="c-13" decimals="-6" name="bbva:EquityInstrumentsIssuedOtherThanCapital" format="ixt:fixed-zero" scale="6" id="f-351">&#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="c-20" decimals="-6" name="bbva:EquityInstrumentsIssuedOtherThanCapital" format="ixt:fixed-zero" scale="6" id="f-352">&#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="c-21" decimals="-6" name="bbva:EquityInstrumentsIssuedOtherThanCapital" format="ixt:fixed-zero" scale="6" id="f-353">&#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 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="c-13" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="f-354">40</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="c-20" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="f-355">40</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="c-21" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="f-356">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: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="c-13" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-357">40,693</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="c-20" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-358">36,237</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="c-21" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-359">32,711</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:0 1pt"/><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="c-13" decimals="-6" name="ifrs-full:RevaluationSurplus" format="ixt:fixed-zero" scale="6" id="f-360">&#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="c-20" decimals="-6" name="ifrs-full:RevaluationSurplus" format="ixt:fixed-zero" scale="6" id="f-361">&#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="c-21" decimals="-6" name="ifrs-full:RevaluationSurplus" format="ixt:fixed-zero" scale="6" id="f-362">&#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="c-13" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-363">1,814</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="c-20" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-364">2,015</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="c-21" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-365">2,345</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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-366">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="c-20" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-367">237</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-368">221</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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:Other" format="ixt:num-dot-decimal" scale="6" id="f-369">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:Other" format="ixt:num-dot-decimal" scale="6" id="f-370">2,252</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="c-21" decimals="-6" name="bbva:Other" format="ixt:num-dot-decimal" scale="6" id="f-371">2,566</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="c-13" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-372">66</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="c-20" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-373">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="c-21" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-374">29</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 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="c-13" decimals="-6" name="bbva:ProfitOrLossAttributableToOwnersOfTheParent" format="ixt:num-dot-decimal" scale="6" id="f-375">10,054</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="c-20" decimals="-6" name="bbva:ProfitOrLossAttributableToOwnersOfTheParent" format="ixt:num-dot-decimal" scale="6" id="f-376">8,019</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="c-21" decimals="-6" name="bbva:ProfitOrLossAttributableToOwnersOfTheParent" format="ixt:num-dot-decimal" scale="6" id="f-377">6,358</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="c-13" decimals="-6" sign="-" name="bbva:InterimDividends" format="ixt:num-dot-decimal" scale="6" id="f-378">1,668</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="c-20" decimals="-6" sign="-" name="bbva:InterimDividends" scale="6" id="f-379">951</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="c-21" decimals="-6" sign="-" name="bbva:InterimDividends" scale="6" id="f-380">722</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="c-13" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-381">17,220</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="c-20" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-382">16,254</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="c-21" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-383">17,642</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 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="c-13" decimals="-6" sign="-" name="bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-384">1,988</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="c-20" decimals="-6" sign="-" name="bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-385">2,105</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="c-21" decimals="-6" sign="-" name="bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-386">1,881</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-387">1,067</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-388">1,049</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="c-21" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-389">760</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-390">&#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="c-20" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-391">&#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="c-21" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-392">&#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%">Share of other recognized income and expense of investments in joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-393">&#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="c-20" decimals="-6" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-394">&#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="c-21" decimals="-6" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-395">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-396">905</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-397">1,112</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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-398">1,194</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-399">&#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="c-20" decimals="-6" name="bbva:HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-400">&#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="c-21" decimals="-6" name="bbva:HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-401">&#8212;</ix:nonFraction></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"/></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"/></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" scale="6" id="f-402">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="c-20" decimals="-6" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" scale="6" id="f-403">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" scale="6" id="f-404">72</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 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="c-13" decimals="-6" sign="-" name="bbva:ItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-405">15,232</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="c-20" decimals="-6" sign="-" name="bbva:ItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-406">14,148</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="c-21" decimals="-6" sign="-" name="bbva:ItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-407">15,760</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-408">2,329</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="c-20" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-409">2,498</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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-410">1,408</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-411">12,702</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-412">11,419</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-413">13,078</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-414">370</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-415">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-416">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: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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-417">576</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-418">357</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-419">809</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-420">&#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="c-20" decimals="-6" name="bbva:HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-421">&#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="c-21" decimals="-6" name="bbva:HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-422">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" format="ixt:fixed-zero" scale="6" id="f-423">&#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="c-20" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" format="ixt:fixed-zero" scale="6" id="f-424">&#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="c-21" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" format="ixt:fixed-zero" scale="6" id="f-425">&#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%">Share of other recognized income and expense of investments in joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-426">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="c-20" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-427">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="c-21" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-428">18</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="c-13" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-429">4,359</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="c-20" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-430">3,564</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="c-21" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-431">3,623</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 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="c-13" decimals="-6" sign="-" name="bbva:AccumulatedOtherComprehensiveIncomeNonControllingInterest" format="ixt:num-dot-decimal" scale="6" id="f-432">2,730</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="c-20" decimals="-6" sign="-" name="bbva:AccumulatedOtherComprehensiveIncomeNonControllingInterest" format="ixt:num-dot-decimal" scale="6" id="f-433">3,321</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="c-21" decimals="-6" sign="-" name="bbva:AccumulatedOtherComprehensiveIncomeNonControllingInterest" format="ixt:num-dot-decimal" scale="6" id="f-434">3,109</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:OtherNonControllingInterestItems" format="ixt:num-dot-decimal" scale="6" id="f-435">7,089</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:OtherNonControllingInterestItems" format="ixt:num-dot-decimal" scale="6" id="f-436">6,885</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:OtherNonControllingInterestItems" format="ixt:num-dot-decimal" scale="6" id="f-437">6,732</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 colspan="3" 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="c-13" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-438">60,014</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="c-20" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-439">55,265</ix:nonFraction></span></td><td colspan="3" 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="c-21" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-440">50,517</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 colspan="3" style="background-color:#5AC4C4;border-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="c-13" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-441">772,402</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="c-20" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-442">775,558</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="c-21" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-443">712,092</ix:nonFraction></span></td></tr><tr style="height:11pt"><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="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 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%">2024</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%">2023 &#8317;&#185;&#8318;</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%">2022 &#8317;&#185;&#8318;</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="c-13" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-444">188,515</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="c-20" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-445">152,868</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="c-21" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-446">136,920</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="c-13" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-447">22,503</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-448">18,839</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-449">16,511</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="c-13" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-450">51,215</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-451">42,577</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-452">39,137</ix:nonFraction></span></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%">The 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-5</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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-20241231_g1.jpg" alt="BBVA_RGB.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:130%">Consolidated income statements for the years ended December 31, 2024, 2023 and 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 style="width:55.448%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.458%"/><td style="width:0.1%"/></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 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%">2024</span></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;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</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;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2022</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:#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="c-1" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-453">61,659</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="c-22" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-454">47,850</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="c-23" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-455">31,432</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Interest income using effective interest rate method</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-456">55,224</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-457">42,141</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-458">29,134</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 0 7pt"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:OtherInterestIncome" format="ixt:num-dot-decimal" scale="6" id="f-459">6,435</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OtherInterestIncome" format="ixt:num-dot-decimal" scale="6" id="f-460">5,709</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OtherInterestIncome" format="ixt:num-dot-decimal" scale="6" id="f-461">2,298</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-462">36,392</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-463">24,761</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-464">12,309</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 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="c-1" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-465">25,267</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="c-22" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-466">23,089</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="c-23" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-467">19,124</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="c-1" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-468">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="c-22" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-469">118</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="c-23" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-470">123</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-471">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="c-22" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-472">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-473">21</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-474">13,036</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-475">9,899</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-476">8,260</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-477">5,048</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-478">3,611</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-479">2,888</ix:nonFraction>)</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="f-480">327</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="f-481">76</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="f-482">64</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 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="c-1" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" scale="6" id="f-483">20</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="c-22" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" scale="6" id="f-484">41</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="c-23" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" scale="6" id="f-485">8</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 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="c-1" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" scale="6" id="f-486">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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" scale="6" id="f-487">35</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="c-23" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" scale="6" id="f-488">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) 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="c-1" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" format="ixt:num-dot-decimal" scale="6" id="f-489">2,458</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" format="ixt:num-dot-decimal" scale="6" id="f-490">1,352</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" scale="6" id="f-491">562</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 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="c-1" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-492">&#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="c-22" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-493">&#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="c-23" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-494">&#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 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="c-1" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-495">&#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="c-22" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-496">&#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="c-23" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-497">&#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 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="c-1" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-498">2,458</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="c-22" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-499">1,352</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="c-23" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToHeldForTrading" scale="6" id="f-500">562</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-501">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="c-22" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-502">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-503">67</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 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="c-1" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-504">&#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="c-22" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-505">&#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="c-23" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-506">&#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 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="c-1" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-507">&#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="c-22" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-508">&#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="c-23" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-509">&#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 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="c-1" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-510">179</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="c-22" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-511">337</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="c-23" decimals="-6" sign="-" name="bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-512">67</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" scale="6" id="f-513">249</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" scale="6" id="f-514">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" scale="6" id="f-515">150</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-516">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-517">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-518">45</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-519">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-520">339</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-521">1,275</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="f-522">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="f-523">619</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="f-524">528</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-525">3,951</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-526">4,042</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-527">3,438</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="bbva:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-528">3,720</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-529">3,081</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-530">2,622</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="bbva:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-531">2,238</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-532">1,821</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-533">1,547</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 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="c-1" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-534">35,481</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="c-22" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-535">29,542</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="c-23" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-536">24,743</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 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="c-1" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="f-537">12,660</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="c-22" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="f-538">10,905</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="c-23" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="f-539">9,373</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="c-1" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-540">7,659</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:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-541">6,530</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="c-23" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-542">5,601</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="c-1" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="f-543">5,001</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="c-22" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="f-544">4,375</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="c-23" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="f-545">3,773</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-546">1,533</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-547">1,403</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-548">1,328</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="bbva:ProvisionOrReversalOfProvisions" scale="6" id="f-549">198</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ProvisionOrReversalOfProvisions" scale="6" id="f-550">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ProvisionOrReversalOfProvisions" scale="6" id="f-551">291</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" format="ixt:num-dot-decimal" scale="6" id="f-552">5,745</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" format="ixt:num-dot-decimal" scale="6" id="f-553">4,428</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" format="ixt:num-dot-decimal" scale="6" id="f-554">3,379</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 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="c-1" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-555">5,687</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="c-22" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-556">4,386</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="c-23" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-557">3,303</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 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="c-1" decimals="-6" name="bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-558">58</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="c-22" decimals="-6" name="bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-559">42</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="c-23" decimals="-6" name="bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-560">76</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 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="c-1" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-561">15,345</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-562">12,432</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-563">10,372</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="c-1" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" scale="6" id="f-564">63</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="c-22" decimals="-6" sign="-" name="bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" scale="6" id="f-565">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="c-23" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" scale="6" id="f-566">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:6pt;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:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" scale="6" id="f-567">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="c-22" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" scale="6" id="f-568">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" scale="6" id="f-569">27</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;Tangible assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"/><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="c-1" decimals="-6" sign="-" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-570">29</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="c-22" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-571">16</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="c-23" decimals="-6" sign="-" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-572">53</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;Intangible assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"/><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="c-1" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-573">15</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="c-22" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-574">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:6pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-575">25</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 assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt 0 7pt"/><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="c-1" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" scale="6" id="f-576">13</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="c-22" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" scale="6" id="f-577">12</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="c-23" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" scale="6" id="f-578">55</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" scale="6" id="f-579">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" scale="6" id="f-580">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" scale="6" id="f-581">11</ix:nonFraction>)</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"/></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:NegativeGoodwillRecognisedInProfitAndLoss" format="ixt:fixed-zero" scale="6" id="f-582">&#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="c-22" decimals="-6" name="bbva:NegativeGoodwillRecognisedInProfitAndLoss" format="ixt:fixed-zero" scale="6" id="f-583">&#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="c-23" decimals="-6" name="bbva:NegativeGoodwillRecognisedInProfitAndLoss" format="ixt:fixed-zero" scale="6" id="f-584">&#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="c-1" decimals="-6" sign="-" name="bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="f-585">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="f-586">22</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="f-587">108</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 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="c-1" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-588">15,405</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="c-22" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-589">12,419</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="c-23" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-590">10,268</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="c-1" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-591">4,830</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="c-22" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-592">4,003</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="c-23" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-593">3,505</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 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="c-1" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-594">10,575</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="c-22" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-595">8,416</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="c-23" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-596">6,763</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="c-1" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-597">&#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="c-22" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-598">&#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="c-23" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-599">&#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%">PROFIT (LOSS)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" 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="c-1" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-600">10,575</ix:nonFraction></span></td><td colspan="3" 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="c-22" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-601">8,416</ix:nonFraction></span></td><td colspan="3" 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="c-23" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-602">6,763</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 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: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="c-1" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-603">521</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="c-22" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-604">397</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="c-23" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-605">405</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 colspan="3" 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="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-606">10,054</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-607">8,019</ix:nonFraction></span></td><td colspan="3" 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="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-608">6,358</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-6</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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-20241231_g1.jpg" alt="BBVA_RGB.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:130%">Consolidated income statements for the years ended December 31, 2024, 2023 and 2022 (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 style="width:55.448%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.458%"/><td style="width:0.1%"/></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 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%">2024</span></td><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-align:right"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</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:0.1pt;text-align:right"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">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:#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="c-1" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-609">1.68</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="c-22" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-610">1.29</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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-611">0.98</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 colspan="3" style="border-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="c-1" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-612">1.68</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="c-22" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-613">1.29</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-614">0.98</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: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 colspan="3" style="padding:2px 1pt;text-align:right;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="c-1" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-615">1.68</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;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="c-22" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-616">1.29</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="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-617">0.98</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: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 colspan="3" style="padding:2px 1pt;text-align:right;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="c-1" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-618">&#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="c-22" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-619">&#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="c-23" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-620">&#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%">Diluted earnings (losses) per share from discontinued operations</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;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="c-1" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-621">&#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="c-22" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-622">&#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="c-23" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-623">&#8212;</ix:nonFraction></span></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%">The 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-7</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20241231_g1.jpg" alt="BBVA_RGB.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:130%">Consolidated statements of recognized income and expense for the years ended December 31, 2024, 2023 and 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 style="width:64.231%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><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: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 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%">2024</span></td><td colspan="3" style="border-top: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:7pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="border-top: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:7pt;font-weight:700;line-height:120%">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:#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="c-1" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-624">10,575</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="c-22" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-625">8,416</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="c-23" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-626">6,763</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="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-627">414</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="c-22" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-628">1,175</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="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-629">789</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="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-630">79</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="c-22" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-631">223</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="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-632">190</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="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-633">78</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="c-22" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-634">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-635">354</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-636">&#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="c-22" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-637">&#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="c-23" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-638">&#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%">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="c-1" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-639">&#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="c-22" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-640">&#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="c-23" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-641">&#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="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-642">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-643">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="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-644">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: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="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-645">&#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="c-22" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-646">&#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="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-647">&#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="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-648">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-649">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="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-650">100</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-651">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="c-22" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-652">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-653">143</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="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-654">493</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="c-22" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="f-655">1,398</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="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-656">599</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="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" scale="6" id="f-657">169</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="c-22" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" format="ixt:num-dot-decimal" scale="6" id="f-658">1,095</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="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" format="ixt:num-dot-decimal" scale="6" id="f-659">1,172</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: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="c-1" decimals="-6" name="ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" scale="6" id="f-660">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-661">1,095</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-662">1,172</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: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="c-1" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-663">&#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="c-22" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-664">&#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="c-23" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-665">&#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="c-1" decimals="-6" name="bbva:OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" format="ixt:fixed-zero" scale="6" id="f-666">&#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="c-22" decimals="-6" name="bbva:OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" format="ixt:fixed-zero" scale="6" id="f-667">&#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="c-23" decimals="-6" name="bbva:OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" format="ixt:fixed-zero" scale="6" id="f-668">&#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="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" scale="6" id="f-669">646</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="c-22" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-670">1,379</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="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-671">3,413</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" scale="6" id="f-672">646</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-673">1,378</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="c-23" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-674">3,413</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-675">&#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="c-22" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" scale="6" id="f-676">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="c-23" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-677">&#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="c-1" decimals="-6" name="bbva:OtherReclassificationsForeignCurrencyTranslation" format="ixt:fixed-zero" scale="6" id="f-678">&#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="c-22" decimals="-6" name="bbva:OtherReclassificationsForeignCurrencyTranslation" format="ixt:fixed-zero" scale="6" id="f-679">&#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="c-23" decimals="-6" name="bbva:OtherReclassificationsForeignCurrencyTranslation" format="ixt:fixed-zero" scale="6" id="f-680">&#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="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="f-681">331</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="c-22" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="f-682">832</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="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="f-683">72</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="f-684">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="c-22" decimals="-6" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="f-685">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="c-23" decimals="-6" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="f-686">91</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" format="ixt:fixed-zero" scale="6" id="f-687">&#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="c-22" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" format="ixt:fixed-zero" scale="6" id="f-688">&#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="c-23" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-689">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: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="c-1" decimals="6" name="bbva:TransferredToInitialCarryingAmountOfHedgedItems" format="ixt:fixed-zero" scale="6" id="f-690">&#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="c-22" decimals="6" name="bbva:TransferredToInitialCarryingAmountOfHedgedItems" format="ixt:fixed-zero" scale="6" id="f-691">&#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="c-23" decimals="6" name="bbva:TransferredToInitialCarryingAmountOfHedgedItems" format="ixt:fixed-zero" scale="6" id="f-692">&#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="c-1" decimals="-6" name="bbva:OtherReclassificationsCashFlowHedgesEffectivePortion" format="ixt:fixed-zero" scale="6" id="f-693">&#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="c-22" decimals="-6" name="bbva:OtherReclassificationsCashFlowHedgesEffectivePortion" format="ixt:fixed-zero" scale="6" id="f-694">&#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="c-23" decimals="-6" name="bbva:OtherReclassificationsCashFlowHedgesEffectivePortion" format="ixt:fixed-zero" scale="6" id="f-695">&#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="c-1" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-696">398</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="c-22" decimals="-6" name="bbva:OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-697">752</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="c-23" decimals="-6" sign="-" name="bbva:OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-698">2,498</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-699">217</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-700">757</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-701">2,528</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-702">181</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-703">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="c-23" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-704">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%">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="c-1" decimals="-6" name="bbva:OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-705">&#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="c-22" decimals="-6" name="bbva:OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-706">&#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="c-23" decimals="-6" name="bbva:OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-707">&#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="c-1" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-708">&#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="c-22" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-709">&#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="c-23" decimals="-6" name="bbva:NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-710">&#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%">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="c-1" decimals="-6" name="bbva:ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-711">&#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="c-22" decimals="-6" name="bbva:ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-712">&#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="c-23" decimals="-6" name="bbva:ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-713">&#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 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="c-1" decimals="-6" name="bbva:NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-714">&#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="c-22" decimals="-6" name="bbva:NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-715">&#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="c-23" decimals="-6" name="bbva:NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-716">&#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="c-1" decimals="-6" name="bbva:OtherReclassificationsOfNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-717">&#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="c-22" decimals="-6" name="bbva:OtherReclassificationsOfNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-718">&#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="c-23" decimals="-6" name="bbva:OtherReclassificationsOfNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-719">&#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="c-1" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="f-720">16</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="c-22" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="f-721">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:7pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="f-722">7</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="c-1" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="f-723">36</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="c-22" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="f-724">482</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="c-23" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="f-725">791</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="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-726">10,161</ix:nonFraction></span></td><td colspan="3" 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="c-22" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-727">9,591</ix:nonFraction></span></td><td colspan="3" 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="c-23" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-728">7,552</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Attributable to minority interests (non-controlling interests)</span></div></td><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="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-729">1,108</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="c-22" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" scale="6" id="f-730">184</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="c-23" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-731">1,352</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="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-732">9,053</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="c-22" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-733">9,407</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-734">6,200</ix:nonFraction></span></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%">The 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-8</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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"><img src="bbva-20241231_g1.jpg" alt="BBVA_RGB.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:130%">Consolidated statements of changes in equity for the years ended December 31, 2024, 2023 and 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:99.908%"><tr><td style="width:1.0%"/><td style="width:18.020%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.501%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.137%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.216%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.137%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.261%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.932%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.057%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.852%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.999%"/><td style="width:0.1%"/></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;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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></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%">Minority interests</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%">2024</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, 2024 &#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="c-24" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-735">2,861</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-25" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-736">19,769</ix:nonFraction></span></td><td colspan="3" 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="c-26" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-737">&#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="c-27" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-738">40</ix:nonFraction></span></td><td colspan="3" 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="c-28" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-739">36,237</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-29" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-740">&#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="c-30" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-741">2,015</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:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-31" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-742">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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-32" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-743">8,019</ix:nonFraction></span></td><td colspan="3" 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="c-33" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-744">951</ix:nonFraction>)</span></td><td colspan="3" 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="c-34" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-745">16,254</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:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-35" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-746">3,321</ix:nonFraction>)</span></td><td colspan="3" 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="c-36" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-747">6,885</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-37" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-748">55,265</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="c-38" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-749">&#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="c-39" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-750">&#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="c-40" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-751">&#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="c-41" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-752">&#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="c-42" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-753">&#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="c-43" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-754">&#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="c-44" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-755">&#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="c-45" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-756">&#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="c-46" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-757">10,054</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="c-47" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-758">&#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="c-48" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-759">1,001</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="c-49" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-760">587</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="c-50" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-761">521</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="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-762">10,161</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%">Other changes in equity</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="c-38" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-763">37</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="c-39" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-764">585</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="c-40" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:fixed-zero" scale="6" id="f-765">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-41" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-766">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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-42" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-767">4,457</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="c-43" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:fixed-zero" scale="6" id="f-768">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-44" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-769">201</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="c-45" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-770">32</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="c-46" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-771">8,019</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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-47" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-772">717</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="c-48" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-773">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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-49" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-774">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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-50" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-775">317</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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-776">5,413</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Issuances of ordinary 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="c-38" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-777">&#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="c-39" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-778">&#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="c-40" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-779">&#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="c-41" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-780">&#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="c-42" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-781">&#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="c-43" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-782">&#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="c-44" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-783">&#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="c-45" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-784">&#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="c-46" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-785">&#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="c-47" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-786">&#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="c-48" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-787">&#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="c-49" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-788">&#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="c-50" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-789">&#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="c-1" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-790">&#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%">Issuances of preferred 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="c-38" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-791">&#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="c-39" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-792">&#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="c-40" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-793">&#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="c-41" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-794">&#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="c-42" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-795">&#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="c-43" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-796">&#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="c-44" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-797">&#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="c-45" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-798">&#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="c-46" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-799">&#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="c-47" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-800">&#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="c-48" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-801">&#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="c-49" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-802">&#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="c-50" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-803">&#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="c-1" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-804">&#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%">Issuance of other 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-38" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-805">&#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="c-39" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-806">&#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="c-40" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-807">&#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="c-41" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-808">&#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="c-42" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-809">&#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="c-43" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-810">&#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="c-44" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-811">&#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="c-45" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-812">&#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="c-46" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-813">&#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="c-47" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-814">&#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="c-48" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-815">&#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="c-49" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-816">&#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="c-50" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-817">&#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="c-1" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-818">&#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%">Settlement or maturity of other equity instruments issued </span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-38" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-819">&#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="c-39" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-820">&#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="c-40" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-821">&#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="c-41" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-822">&#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="c-42" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-823">&#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="c-43" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-824">&#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="c-44" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-825">&#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="c-45" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-826">&#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="c-46" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-827">&#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="c-47" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-828">&#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="c-48" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-829">&#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="c-49" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-830">&#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="c-50" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-831">&#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="c-1" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-832">&#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%">Conversion of debt on equity</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-38" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-833">&#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="c-39" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-834">&#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="c-40" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-835">&#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="c-41" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-836">&#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="c-42" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-837">&#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="c-43" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-838">&#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="c-44" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-839">&#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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-45" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-840">&#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="c-46" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-841">&#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="c-47" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-842">&#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="c-48" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-843">&#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="c-49" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-844">&#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="c-50" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-845">&#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="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-846">&#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%">Capital reduction</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-38" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-847">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-39" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-848">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-40" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-849">&#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="c-41" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-850">&#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="c-42" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-851">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-43" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-852">&#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="c-44" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-853">189</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-45" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-854">781</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-46" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-855">&#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="c-47" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-856">&#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="c-48" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-857">&#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="c-49" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-858">&#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="c-50" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-859">&#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="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-860">&#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%">Dividend distribution</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-38" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-861">&#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="c-39" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-862">&#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="c-40" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-863">&#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="c-41" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-864">&#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="c-42" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-865">2,245</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="c-43" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-866">&#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="c-44" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-867">&#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="c-45" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-868">&#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="c-46" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-869">&#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="c-47" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-870">1,668</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-48" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-871">&#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="c-49" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-872">&#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="c-50" decimals="-6" name="ifrs-full:DividendsPaid" scale="6" id="f-873">345</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-1" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-874">4,258</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Purchase of 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-38" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-875">&#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="c-39" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-876">&#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="c-40" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-877">&#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="c-41" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-878">&#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="c-42" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-879">&#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="c-43" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-880">&#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="c-44" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-881">&#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="c-45" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-882">1,528</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-46" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-883">&#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="c-47" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-884">&#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="c-48" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-885">&#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="c-49" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-886">&#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="c-50" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-887">&#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="c-1" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-888">1,528</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sale or cancellation of 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-38" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-889">&#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="c-39" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-890">&#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="c-40" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-891">&#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="c-41" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-892">&#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="c-42" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-893">&#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="c-43" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-894">&#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="c-44" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" scale="6" id="f-895">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-45" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" scale="6" id="f-896">716</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-46" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-897">&#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="c-47" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-898">&#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="c-48" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-899">&#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="c-49" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-900">&#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="c-50" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-901">&#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="c-1" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" scale="6" id="f-902">725</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Reclassification of other equity instruments to 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-38" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-903">&#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="c-39" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-904">&#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="c-40" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-905">&#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="c-41" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-906">&#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="c-42" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-907">&#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="c-43" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-908">&#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="c-44" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-909">&#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="c-45" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-910">&#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="c-46" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-911">&#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="c-47" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-912">&#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="c-48" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-913">&#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="c-49" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-914">&#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="c-50" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-915">&#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="c-1" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-916">&#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%">Reclassification of financial liabilities to other 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-38" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-917">&#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="c-39" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-918">&#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="c-40" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-919">&#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="c-41" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-920">&#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="c-42" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-921">&#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="c-43" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-922">&#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="c-44" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-923">&#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="c-45" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-924">&#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="c-46" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-925">&#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="c-47" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-926">&#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="c-48" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-927">&#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="c-49" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-928">&#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="c-50" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-929">&#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="c-1" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-930">&#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 among components of equity</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="c-38" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-931">&#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="c-39" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-932">&#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="c-40" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-933">&#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="c-41" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-934">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-42" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:num-dot-decimal" scale="6" id="f-935">7,059</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-43" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-936">&#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="c-44" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-937">38</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-45" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-938">&#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="c-46" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:num-dot-decimal" scale="6" id="f-939">8,019</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-47" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-940">951</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-48" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-941">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="c-49" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-942">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-50" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-943">&#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="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-944">&#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%">Increase/Reduction of equity due to business combinations</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-38" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-945">&#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="c-39" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-946">&#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="c-40" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-947">&#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="c-41" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-948">&#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="c-42" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-949">&#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="c-43" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-950">&#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="c-44" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-951">&#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="c-45" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-952">&#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="c-46" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-953">&#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="c-47" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-954">&#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="c-48" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-955">&#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="c-49" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-956">&#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="c-50" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-957">&#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="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-958">&#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%">Share based 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-38" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-959">&#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="c-39" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-960">&#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="c-40" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-961">&#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="c-41" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForSharebasedPayments" scale="6" id="f-962">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-42" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-963">&#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="c-43" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-964">&#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="c-44" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-965">&#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="c-45" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-966">&#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="c-46" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-967">&#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="c-47" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-968">&#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="c-48" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-969">&#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="c-49" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-970">&#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="c-50" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-971">&#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="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForSharebasedPayments" scale="6" id="f-972">26</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%">Other increases or (-) decreases in equity</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-38" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-973">&#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="c-39" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-974">&#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="c-40" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-975">&#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="c-41" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-976">16</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="c-42" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-977">386</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="c-43" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-978">&#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="c-44" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-979">16</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="c-45" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-980">&#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="c-46" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-981">&#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="c-47" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-982">&#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="c-48" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-983">&#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="c-49" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-984">&#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="c-50" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-985">28</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="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-986">326</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, 2024</span></td><td colspan="3" 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="c-51" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-987">2,824</ix:nonFraction></span></td><td colspan="3" 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="c-52" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-988">19,184</ix:nonFraction></span></td><td colspan="3" 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="c-53" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-989">&#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="c-54" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-990">40</ix:nonFraction></span></td><td colspan="3" 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="c-55" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-991">40,693</ix:nonFraction></span></td><td colspan="3" 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="c-56" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-992">&#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="c-57" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-993">1,814</ix:nonFraction></span></td><td colspan="3" 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="c-58" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-994">66</ix:nonFraction>)</span></td><td colspan="3" 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="c-59" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-995">10,054</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:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-60" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-996">1,668</ix:nonFraction>)</span></td><td colspan="3" 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="c-61" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-997">17,220</ix:nonFraction>)</span></td><td colspan="3" 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="c-62" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-998">2,730</ix:nonFraction>)</span></td><td colspan="3" 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="c-63" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-999">7,089</ix:nonFraction></span></td><td colspan="3" 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="c-13" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1000">60,014</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:3pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances as of December 31, 2023 as originally reported in the Consolidated Financial Statements for the year 2023.</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 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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:14pt;margin-top:14pt;text-align:justify"><img src="bbva-20241231_g1.jpg" alt="BBVA_RGB.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:130%">Consolidated statements of changes in equity for the years ended December 31, 2024, 2023 and 2022 (continued)</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:99.908%"><tr><td style="width:1.0%"/><td style="width:18.020%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.501%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.137%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.216%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.137%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.670%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.932%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.443%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.012%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.999%"/><td style="width:0.1%"/></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: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:6pt;font-weight:700;line-height:120%">2023</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%">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></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%">Minority interests</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"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Balances as of January 1, 2023 &#8317;&#185;&#8318;</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-64" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1001">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="c-65" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1002">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="c-66" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1003">&#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="c-67" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1004">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="c-68" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1005">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="c-69" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1006">&#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="c-70" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1007">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="c-71" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1008">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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-72" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1009">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="c-73" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1010">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="c-74" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1011">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="c-75" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1012">3,112</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-76" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1013">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="c-77" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1014">50,615</ix:nonFraction></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"/><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="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"/><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="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%">Effect of changes in accounting policies &#8317;&#178;&#8318;</span></div></td><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="c-78" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1015">&#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="c-79" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1016">&#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="c-80" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1017">&#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="c-81" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1018">&#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="c-82" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1019">175</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="c-83" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1020">&#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="c-84" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1021">&#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="c-85" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1022">&#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="c-86" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1023">62</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="c-87" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1024">&#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="c-88" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1025">210</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="c-89" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1026">4</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="c-90" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1027">4</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="c-91" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1028">98</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="c-92" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1029">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="c-93" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1030">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="c-94" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1031">&#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="c-95" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1032">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="c-96" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1033">32,711</ix:nonFraction></span></td><td colspan="3" 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="c-97" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1034">&#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="c-98" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1035">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="c-99" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1036">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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-100" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1037">6,358</ix:nonFraction></span></td><td colspan="3" 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="c-101" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1038">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="c-102" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1039">17,642</ix:nonFraction>)</span></td><td colspan="3" 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="c-103" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1040">3,109</ix:nonFraction>)</span></td><td colspan="3" 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="c-104" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1041">6,732</ix:nonFraction></span></td><td colspan="3" 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="c-105" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1042">50,517</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="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="c-106" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1043">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-107" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1044">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-108" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1045">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-109" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1046">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-110" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1047">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-111" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1048">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-112" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1049">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-113" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1050">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-114" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-1051">8,019</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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-115" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1052">&#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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-116" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-1053">1,388</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="c-117" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-1054">213</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="c-118" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-1055">397</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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-1056">9,591</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%">Other changes in equity</span></td><td colspan="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="c-106" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1057">94</ix:nonFraction>)</span></td><td colspan="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="c-107" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1058">1,087</ix:nonFraction>)</span></td><td colspan="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="c-108" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:fixed-zero" scale="6" id="f-1059">&#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="c-109" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1060">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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-110" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1061">3,526</ix:nonFraction></span></td><td colspan="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="c-111" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:fixed-zero" scale="6" id="f-1062">&#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="c-112" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1063">331</ix:nonFraction>)</span></td><td colspan="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="c-113" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1064">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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-114" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1065">6,358</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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-115" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1066">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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-116" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:fixed-zero" scale="6" id="f-1067">&#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="c-117" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1068">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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-118" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1069">244</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-22" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1070">4,842</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Issuances of ordinary 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="c-106" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1071">&#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="c-107" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1072">&#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="c-108" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1073">&#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="c-109" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1074">&#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="c-110" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1075">&#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="c-111" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1076">&#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="c-112" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1077">&#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="c-113" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1078">&#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="c-114" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1079">&#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="c-115" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1080">&#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="c-116" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1081">&#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="c-117" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1082">&#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="c-118" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1083">&#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="c-22" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1084">&#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%">Issuances of preferred 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="c-106" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1085">&#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="c-107" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1086">&#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="c-108" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1087">&#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="c-109" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1088">&#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="c-110" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1089">&#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="c-111" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1090">&#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="c-112" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1091">&#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="c-113" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1092">&#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="c-114" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1093">&#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="c-115" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1094">&#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="c-116" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1095">&#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="c-117" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1096">&#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="c-118" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1097">&#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="c-22" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1098">&#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%">Issuance of other 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-106" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1099">&#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="c-107" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1100">&#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="c-108" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1101">&#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="c-109" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1102">&#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="c-110" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1103">&#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="c-111" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1104">&#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="c-112" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1105">&#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="c-113" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1106">&#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="c-114" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1107">&#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="c-115" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1108">&#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="c-116" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1109">&#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="c-117" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1110">&#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="c-118" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1111">&#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="c-22" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1112">&#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%">Settlement or maturity of other equity instruments issued </span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-106" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1113">&#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="c-107" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1114">&#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="c-108" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1115">&#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="c-109" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1116">&#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="c-110" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1117">&#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="c-111" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1118">&#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="c-112" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1119">&#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="c-113" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1120">&#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="c-114" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1121">&#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="c-115" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1122">&#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="c-116" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1123">&#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="c-117" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1124">&#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="c-118" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1125">&#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="c-22" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1126">&#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%">Conversion of debt on equity</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-106" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1127">&#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="c-107" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1128">&#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="c-108" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1129">&#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="c-109" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1130">&#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="c-110" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1131">&#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="c-111" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1132">&#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="c-112" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1133">&#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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-113" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1134">&#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="c-114" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1135">&#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="c-115" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1136">&#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="c-116" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1137">&#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="c-117" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1138">&#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="c-118" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1139">&#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="c-22" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1140">&#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%">Capital reduction</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-106" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-1141">94</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-107" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:num-dot-decimal" scale="6" id="f-1142">1,087</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-108" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1143">&#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="c-109" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1144">&#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="c-110" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-1145">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-111" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1146">&#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="c-112" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-1147">316</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-113" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:num-dot-decimal" scale="6" id="f-1148">1,422</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-114" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1149">&#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="c-115" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1150">&#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="c-116" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1151">&#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="c-117" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1152">&#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="c-118" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1153">&#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="c-22" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1154">&#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%">Dividend distribution</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-106" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1155">&#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="c-107" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1156">&#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="c-108" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1157">&#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="c-109" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1158">&#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="c-110" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-1159">1,857</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-111" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1160">&#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="c-112" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1161">&#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="c-113" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1162">&#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="c-114" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1163">&#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="c-115" decimals="-6" name="ifrs-full:DividendsPaid" scale="6" id="f-1164">951</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-116" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1165">&#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="c-117" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1166">&#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="c-118" decimals="-6" name="ifrs-full:DividendsPaid" scale="6" id="f-1167">263</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-22" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-1168">3,071</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Purchase of 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-106" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1169">&#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="c-107" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1170">&#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="c-108" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1171">&#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="c-109" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1172">&#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="c-110" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1173">&#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="c-111" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1174">&#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="c-112" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1175">&#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="c-113" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-1176">2,166</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-114" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1177">&#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="c-115" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1178">&#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="c-116" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1179">&#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="c-117" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1180">&#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="c-118" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1181">&#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="c-22" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-1182">2,166</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sale or cancellation of 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-106" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1183">&#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="c-107" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1184">&#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="c-108" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1185">&#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="c-109" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1186">&#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="c-110" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1187">&#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="c-111" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1188">&#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="c-112" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" scale="6" id="f-1189">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="c-113" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" scale="6" id="f-1190">739</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-114" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1191">&#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="c-115" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1192">&#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="c-116" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1193">&#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="c-117" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1194">&#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="c-118" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1195">&#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="c-22" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" scale="6" id="f-1196">741</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Reclassification of other equity instruments to 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-106" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1197">&#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="c-107" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1198">&#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="c-108" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1199">&#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="c-109" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1200">&#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="c-110" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1201">&#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="c-111" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1202">&#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="c-112" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1203">&#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="c-113" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1204">&#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="c-114" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1205">&#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="c-115" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1206">&#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="c-116" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1207">&#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="c-117" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1208">&#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="c-118" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1209">&#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="c-22" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1210">&#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%">Reclassification of financial liabilities to other 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-106" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1211">&#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="c-107" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1212">&#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="c-108" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1213">&#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="c-109" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1214">&#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="c-110" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1215">&#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="c-111" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1216">&#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="c-112" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1217">&#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="c-113" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1218">&#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="c-114" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1219">&#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="c-115" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1220">&#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="c-116" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1221">&#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="c-117" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1222">&#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="c-118" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1223">&#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="c-22" decimals="-6" name="ifrs-full:FinancialLiabilitiesReclassifiedIntoEquity" format="ixt:fixed-zero" scale="6" id="f-1224">&#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%">Transfers among components of equity</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-106" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-1225">&#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="c-107" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-1226">&#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="c-108" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-1227">&#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="c-109" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-1228">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="c-110" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:num-dot-decimal" scale="6" id="f-1229">5,651</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-111" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-1230">&#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="c-112" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-1231">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-113" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-1232">&#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="c-114" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:num-dot-decimal" scale="6" id="f-1233">6,358</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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-115" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-1234">722</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-116" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-1235">&#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="c-117" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-1236">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="c-118" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-1237">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="c-22" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-1238">&#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%">Increase/Reduction of equity due to business combinations</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-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="c-106" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1239">&#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="c-107" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1240">&#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="c-108" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1241">&#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="c-109" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1242">&#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="c-110" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1243">&#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="c-111" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1244">&#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="c-112" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1245">&#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="c-113" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1246">&#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="c-114" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1247">&#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="c-115" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1248">&#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="c-116" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1249">&#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="c-117" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1250">&#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="c-118" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1251">&#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="c-22" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1252">&#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%">Share based 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-106" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1253">&#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="c-107" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1254">&#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="c-108" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1255">&#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="c-109" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForSharebasedPayments" scale="6" id="f-1256">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="c-110" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1257">&#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="c-111" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1258">&#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="c-112" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1259">&#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="c-113" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1260">&#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="c-114" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1261">&#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="c-115" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1262">&#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="c-116" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1263">&#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="c-117" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1264">&#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="c-118" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1265">&#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="c-22" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForSharebasedPayments" scale="6" id="f-1266">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:6pt;font-weight:400;line-height:120%">Other increases or (-) decreases in equity</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="c-106" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1267">&#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="c-107" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1268">&#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="c-108" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1269">&#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="c-109" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-1270">17</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="c-110" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-1271">344</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="c-111" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1272">&#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="c-112" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-1273">2</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="c-113" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1274">&#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="c-114" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1275">&#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="c-115" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1276">&#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="c-116" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1277">&#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="c-117" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1278">&#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="c-118" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-1279">20</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="c-22" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-1280">305</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #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, 2023</span></td><td colspan="3" 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="c-119" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1281">2,861</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-120" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1282">19,769</ix:nonFraction></span></td><td colspan="3" 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="c-121" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1283">&#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="c-122" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1284">40</ix:nonFraction></span></td><td colspan="3" 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="c-123" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1285">36,237</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-124" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1286">&#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="c-125" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1287">2,015</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:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-126" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1288">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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-127" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1289">8,019</ix:nonFraction></span></td><td colspan="3" 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="c-128" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1290">951</ix:nonFraction>)</span></td><td colspan="3" 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="c-129" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1291">16,254</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:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-130" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1292">3,321</ix:nonFraction>)</span></td><td colspan="3" 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="c-131" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1293">6,885</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1294">55,265</ix:nonFraction></span></td></tr></table></div><div style="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, 2022 as originally reported in the Consolidated Financial Statements for the year 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Effects of the application of IFRS 17 (see Note 2.2.8).</span></div><div style="margin-bottom:10pt"><span><br/></span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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-20241231_g1.jpg" alt="BBVA_RGB.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:130%">Consolidated statements of changes in equity for the years ended December 31, 2024, 2023 and 2022 (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 style="width:18.020%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.501%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.137%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.216%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.137%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.261%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.932%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.852%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.012%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.999%"/><td style="width:0.1%"/></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 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></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%">Minority interests</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: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:6pt;font-weight:700;line-height:120%">2022</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: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"><div><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></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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-132" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1295">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="c-133" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1296">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="c-134" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1297">&#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="c-135" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1298">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="c-136" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1299">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="c-137" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1300">&#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="c-138" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1301">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="c-139" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1302">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="c-140" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1303">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="c-141" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1304">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="c-142" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1305">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="c-143" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1306">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="c-144" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1307">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="c-145" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1308">48,760</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">Effect of changes in accounting policies &#8317;&#178;&#8318;</span></div></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-146" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1309">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-147" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1310">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-148" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1311">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-149" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1312">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-150" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1313">178</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-151" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1314">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-152" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1315">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-153" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1316">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-154" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1317">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-155" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1318">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-156" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1319">186</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-157" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1320">1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-158" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1321">6</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-159" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1322">12</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="c-160" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1323">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="c-161" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1324">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="c-162" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1325">&#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="c-163" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1326">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="c-164" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1327">32,019</ix:nonFraction></span></td><td colspan="3" 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="c-165" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1328">&#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="c-166" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1329">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="c-167" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1330">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="c-168" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1331">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="c-169" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1332">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="c-170" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1333">16,662</ix:nonFraction>)</span></td><td colspan="3" 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="c-171" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1334">8,413</ix:nonFraction>)</span></td><td colspan="3" 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="c-172" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1335">13,261</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-173" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1336">48,748</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="c-174" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1337">&#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="c-175" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1338">&#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="c-176" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1339">&#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="c-177" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1340">&#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="c-178" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1341">&#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="c-179" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1342">&#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="c-180" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1343">&#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="c-181" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1344">&#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="c-182" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-1345">6,358</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="c-183" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-1346">&#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="c-184" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-1347">158</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="c-185" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-1348">947</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="c-186" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-1349">405</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="c-23" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-1350">7,552</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%">Other changes in equity</span></td><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="c-174" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1351">313</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="c-175" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1352">2,743</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="c-176" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:fixed-zero" scale="6" id="f-1353">&#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="c-177" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1354">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="c-178" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1355">692</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="c-179" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:fixed-zero" scale="6" id="f-1356">&#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="c-180" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1357">4,202</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="c-181" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1358">617</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="c-182" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1359">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:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-183" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1360">190</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="c-184" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" scale="6" id="f-1361">822</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="c-185" decimals="-6" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1362">4,358</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="c-186" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1363">6,935</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="c-23" decimals="-6" sign="-" name="bbva:ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" format="ixt:num-dot-decimal" scale="6" id="f-1364">5,783</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Issuances of ordinary 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="c-174" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1365">&#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="c-175" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1366">&#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="c-176" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1367">&#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="c-177" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1368">&#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="c-178" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1369">&#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="c-179" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1370">&#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="c-180" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1371">&#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="c-181" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1372">&#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="c-182" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1373">&#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="c-183" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1374">&#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="c-184" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1375">&#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="c-185" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1376">&#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="c-186" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1377">&#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="c-23" decimals="-6" name="ifrs-full:IssueOfEquity" format="ixt:fixed-zero" scale="6" id="f-1378">&#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%">Issuances of preferred 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="c-174" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1379">&#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="c-175" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1380">&#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="c-176" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1381">&#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="c-177" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1382">&#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="c-178" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1383">&#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="c-179" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1384">&#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="c-180" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1385">&#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="c-181" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1386">&#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="c-182" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1387">&#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="c-183" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1388">&#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="c-184" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1389">&#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="c-185" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1390">&#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="c-186" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1391">&#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="c-23" decimals="-6" name="bbva:IssueOfPreferredShares" format="ixt:fixed-zero" scale="6" id="f-1392">&#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%">Issuance of other 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="c-174" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1393">&#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="c-175" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1394">&#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="c-176" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1395">&#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="c-177" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1396">&#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="c-178" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1397">&#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="c-179" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1398">&#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="c-180" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1399">&#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="c-181" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1400">&#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="c-182" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1401">&#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="c-183" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1402">&#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="c-184" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1403">&#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="c-185" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1404">&#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="c-186" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1405">&#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="c-23" decimals="-6" name="bbva:IssuanceOfOtherEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1406">&#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%">Settlement or maturity of other equity instruments issued </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-174" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1407">&#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="c-175" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1408">&#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="c-176" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1409">&#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="c-177" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1410">&#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="c-178" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1411">&#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="c-179" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1412">&#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="c-180" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1413">&#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="c-181" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1414">&#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="c-182" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1415">&#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="c-183" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1416">&#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="c-184" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1417">&#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="c-185" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1418">&#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="c-186" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1419">&#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="c-23" decimals="-6" name="bbva:PeriodOrMaturityOfOtherIssuedEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-1420">&#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%">Conversion of debt on 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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-174" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1421">&#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="c-175" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1422">&#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="c-176" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1423">&#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="c-177" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1424">&#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="c-178" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1425">&#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="c-179" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1426">&#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="c-180" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1427">&#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="c-181" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1428">&#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="c-182" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1429">&#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="c-183" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1430">&#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="c-184" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1431">&#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="c-185" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1432">&#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="c-186" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1433">&#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="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-1434">&#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%">Capital reduction</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-174" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-1435">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="c-175" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:num-dot-decimal" scale="6" id="f-1436">2,743</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-176" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1437">&#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="c-177" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1438">&#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="c-178" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-1439">250</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-179" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1440">&#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="c-180" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" scale="6" id="f-1441">355</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-181" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:num-dot-decimal" scale="6" id="f-1442">3,160</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-182" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1443">&#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="c-183" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1444">&#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="c-184" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1445">&#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="c-185" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1446">&#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="c-186" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1447">&#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="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherDistributionsToOwners" format="ixt:fixed-zero" scale="6" id="f-1448">&#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%">Dividend distribution</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-174" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1449">&#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="c-175" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1450">&#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="c-176" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1451">&#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="c-177" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1452">&#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="c-178" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-1453">1,463</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-179" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1454">&#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="c-180" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1455">&#8212;</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-181" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1456">&#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="c-182" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1457">&#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="c-183" decimals="-6" name="ifrs-full:DividendsPaid" scale="6" id="f-1458">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-184" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1459">&#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="c-185" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1460">&#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="c-186" decimals="-6" name="ifrs-full:DividendsPaid" scale="6" id="f-1461">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="c-23" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-1462">2,370</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%">Purchase of treasury 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="c-174" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1463">&#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="c-175" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1464">&#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="c-176" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1465">&#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="c-177" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1466">&#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="c-178" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1467">&#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="c-179" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1468">&#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="c-180" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1469">&#8212;</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-181" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-1470">2,966</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-182" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1471">&#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="c-183" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1472">&#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="c-184" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1473">&#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="c-185" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1474">&#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="c-186" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1475">&#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="c-23" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-1476">2,966</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sale or cancellation of treasury 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="c-174" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1477">&#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="c-175" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1478">&#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="c-176" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1479">&#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="c-177" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1480">&#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="c-178" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1481">&#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="c-179" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1482">&#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="c-180" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" scale="6" id="f-1483">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-181" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" scale="6" id="f-1484">423</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-182" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1485">&#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="c-183" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1486">&#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="c-184" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1487">&#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="c-185" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1488">&#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="c-186" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-1489">&#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="c-23" decimals="-6" name="ifrs-full:SaleOrIssueOfTreasuryShares" scale="6" id="f-1490">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:6pt;font-weight:400;line-height:120%">Reclassification of other equity instruments to 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="c-174" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1491">&#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="c-175" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1492">&#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="c-176" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1493">&#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="c-177" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1494">&#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="c-178" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1495">&#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="c-179" 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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="c-182" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1499">&#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="c-183" decimals="-6" name="ifrs-full:EquityReclassifiedIntoFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-1500">&#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="c-184" 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="c-177" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:fixed-zero" scale="6" id="f-1522">&#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="c-178" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" format="ixt:num-dot-decimal" scale="6" id="f-1523">2,231</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-179" 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="c-177" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1536">&#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="c-178" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1537">&#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="c-179" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1538">&#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="c-180" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1539">&#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="c-181" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1540">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 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name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1543">&#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="c-185" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1544">&#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="c-186" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1545">&#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="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary" format="ixt:fixed-zero" scale="6" id="f-1546">&#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%">Share based payments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-174" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1547">&#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="c-175" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1548">&#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="c-176" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1549">&#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="c-177" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForSharebasedPayments" scale="6" id="f-1550">22</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-178" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1551">&#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="c-179" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1552">&#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="c-180" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1553">&#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="c-181" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1554">&#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="c-182" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1555">&#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="c-183" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1556">&#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="c-184" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1557">&#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="c-185" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1558">&#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="c-186" decimals="-6" name="ifrs-full:AdjustmentsForSharebasedPayments" format="ixt:fixed-zero" scale="6" id="f-1559">&#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="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForSharebasedPayments" scale="6" id="f-1560">22</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%">Other increases or (-) decreases in equity &#8317;&#179;&#8318;</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%"><ix:nonFraction unitRef="eur" contextRef="c-174" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1561">&#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="c-175" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1562">&#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="c-176" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1563">&#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="c-177" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-1564">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="c-178" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-1565">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-179" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1566">&#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="c-180" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:num-dot-decimal" scale="6" id="f-1567">1,836</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-181" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1568">&#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="c-182" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1569">&#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="c-183" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1570">&#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="c-184" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1571">&#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="c-185" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:fixed-zero" scale="6" id="f-1572">&#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="c-186" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:num-dot-decimal" scale="6" id="f-1573">2,392</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-1574">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="c-187" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1575">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="c-188" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1576">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="c-189" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1577">&#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="c-190" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-1578">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="c-191" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1579">32,711</ix:nonFraction></span></td><td colspan="3" 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="c-192" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-1580">&#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="c-193" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1581">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="c-194" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1582">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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-195" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1583">6,358</ix:nonFraction></span></td><td colspan="3" 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="c-196" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-1584">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="c-197" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1585">17,642</ix:nonFraction>)</span></td><td colspan="3" 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="c-198" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1586">3,109</ix:nonFraction>)</span></td><td colspan="3" 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="c-199" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1587">6,732</ix:nonFraction></span></td><td colspan="3" 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="c-21" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-1588">50,517</ix:nonFraction></span></td></tr></table></div><div style="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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2)  Effects of the application of IFRS 17 (see Note 2.2.8).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) The headings "Transfers among components of equity" and "Other increases or decreases in equity" include the effects of the application of IAS 29 "Financial Reporting in Hyperinflationary Economies" in the subsidiaries in Turkey (see Note 2.2.18) 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 "Minority 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><br/></span></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-11</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_517"></div><hr style="page-break-after:always"/><div style="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"><img src="bbva-20241231_g1.jpg" alt="BBVA_RGB.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, 2024, 2023 and 2022 </span><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </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 style="width:52.675%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.380%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.380%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.383%"/><td style="width:0.1%"/></tr><tr><td colspan="15" 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:6pt;font-weight:700;line-height:120%">CONSOLIDATED STATEMENTS OF CASH FLOWS (Millions of Euros)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span><br/></span></div></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%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt 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:6pt;font-weight:700;line-height:120%">2023</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;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">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:#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 #000;padding:0 1pt"/><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="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1589">18,190</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:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" scale="6" id="f-1590">721</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="eur" contextRef="c-23" decimals="-6" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1591">23,718</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Of which hyperinflation effect from operating activities (see Note 2.2.18)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;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="c-1" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1592">2,593</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1593">1,884</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1594">2,692</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 for the year</span></td><td colspan="3" style="padding:0 1pt"/><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="c-1" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1595">10,575</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="c-22" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1596">8,416</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="c-23" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1597">6,763</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 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="c-1" decimals="-6" name="ifrs-full:AdjustmentsForReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1598">14,817</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="c-22" decimals="-6" name="ifrs-full:AdjustmentsForReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1599">12,150</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="c-23" decimals="-6" name="ifrs-full:AdjustmentsForReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1600">11,746</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%">Depreciation and amortization</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-1601">1,533</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-1602">1,403</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-1603">1,328</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1604">13,283</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1605">10,747</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1606">10,418</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 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="c-1" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1607">54,265</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="c-22" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1608">77,408</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="c-23" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1609">42,900</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-1610">28,452</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-1611">27,884</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-1612">14,658</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-1613">2,813</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-1614">1,288</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-1615">421</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="f-1616">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="f-1617">42</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="f-1618">179</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-1619">1,124</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="c-22" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-1620">2,512</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="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-1621">1,014</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-1622">76,759</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-1623">51,182</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-1624">55,754</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-1625">2,140</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="c-22" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" scale="6" id="f-1626">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="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" scale="6" id="f-1627">548</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 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="c-1" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1628">16,314</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="c-22" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1629">61,473</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="c-23" decimals="-6" sign="-" name="bbva:NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1630">51,343</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-1631">32,695</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-1632">24,435</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-1633">2,907</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-1634">2,647</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-1635">2,003</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss" scale="6" id="f-1636">293</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-1637">45,970</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-1638">36,127</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="c-23" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-1639">48,161</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:6pt;font-weight:400;line-height:120%">Other operating liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="f-1640">392</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1641">1,092</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="f-1642">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:6pt;font-weight:700;line-height:120%">Collection/payments for income tax</span></td><td colspan="3" style="padding:0 1pt"/><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="c-1" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1643">5,631</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="c-22" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1644">5,353</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="c-23" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1645">3,234</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:6pt;font-weight:700;line-height:120%">B) CASH FLOWS FROM INVESTING ACTIVITIES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivitiesContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-1646">1,423</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:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivitiesContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-1647">1,419</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="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivitiesContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-1648">3,911</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Of which hyperinflation effect from investing activities (see Note 2.2.18)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;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="c-1" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromInvestingActivities" scale="6" id="f-1649">753</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromInvestingActivities" scale="6" id="f-1650">772</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromInvestingActivities" scale="6" id="f-1651">759</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%">Investment </span></td><td colspan="3" style="padding:0 1pt"/><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="c-1" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1652">2,039</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="c-22" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1653">1,912</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="c-23" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1654">4,506</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1655">1,195</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1656">1,129</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1657">1,812</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" scale="6" id="f-1658">816</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" scale="6" id="f-1659">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" scale="6" id="f-1660">630</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="f-1661">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="c-22" decimals="-6" name="ifrs-full:OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="f-1662">93</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="f-1663">81</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" scale="6" id="f-1664">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1665">&#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="c-23" decimals="-6" name="ifrs-full:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1666">1,389</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" format="ixt:fixed-zero" scale="6" id="f-1667">&#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="c-22" decimals="-6" name="bbva:InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" format="ixt:fixed-zero" scale="6" id="f-1668">&#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="c-23" decimals="-6" name="bbva:InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" scale="6" id="f-1669">594</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:InvestmentOtherSettlementsRelatedToInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1670">&#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="c-22" decimals="-6" name="bbva:InvestmentOtherSettlementsRelatedToInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1671">&#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="c-23" decimals="-6" name="bbva:InvestmentOtherSettlementsRelatedToInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1672">&#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:6pt;font-weight:700;line-height:120%">Divestments</span></td><td colspan="3" style="padding:0 1pt"/><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="c-1" decimals="-6" name="ifrs-full:InflowsOfCashFromInvestingActivities" scale="6" id="f-1673">617</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="c-22" decimals="-6" name="ifrs-full:InflowsOfCashFromInvestingActivities" scale="6" id="f-1674">492</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="c-23" decimals="-6" name="ifrs-full:InflowsOfCashFromInvestingActivities" scale="6" id="f-1675">596</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="f-1676">104</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="f-1677">92</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="f-1678">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:6pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1679">&#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="c-22" decimals="-6" name="ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1680">&#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="c-23" decimals="-6" name="ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1681">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="f-1682">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="f-1683">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="c-23" decimals="-6" name="ifrs-full:OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" scale="6" id="f-1684">127</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" scale="6" id="f-1685">73</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" scale="6" id="f-1686">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="c-23" decimals="-6" name="ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1687">&#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:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" scale="6" id="f-1688">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="c-22" decimals="-6" name="ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" scale="6" id="f-1689">321</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" scale="6" id="f-1690">440</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:OtherCollectionsRelatedToInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1691">&#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="c-22" decimals="-6" name="bbva:OtherCollectionsRelatedToInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1692">&#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="c-23" decimals="-6" name="bbva:OtherCollectionsRelatedToInvestingActivities" format="ixt:fixed-zero" scale="6" id="f-1693">&#8212;</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:6pt;font-weight:700;line-height:120%">C) CASH FLOWS FROM FINANCING ACTIVITIES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivitiesContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-1694">2,567</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="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivitiesContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-1695">1,842</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="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivitiesContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-1696">7,563</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Of which hyperinflation effect from financing activities (see Note 2.2.18)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;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="c-1" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-1697">&#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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-1698">&#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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OfWhichHyperinflationEffectFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-1699">&#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:6pt;font-weight:700;line-height:120%">Payments</span></td><td colspan="3" style="padding:0 1pt"/><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="c-1" decimals="-6" name="bbva:PaymentsFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1700">8,773</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="c-22" decimals="-6" name="bbva:PaymentsFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1701">7,224</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="c-23" decimals="-6" name="bbva:PaymentsFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1702">7,996</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:6pt;font-weight:400;line-height:120%">Dividend distribution (shareholders remuneration)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1703">3,913</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="c-22" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1704">2,808</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1705">2,185</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%">Subordinated liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1706">2,599</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1707">1,629</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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1708">2,258</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:TreasuryStockAmortizationFromFinancingActivities" scale="6" id="f-1709">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="c-22" decimals="-6" name="bbva:TreasuryStockAmortizationFromFinancingActivities" scale="6" id="f-1710">94</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:TreasuryStockAmortizationFromFinancingActivities" scale="6" id="f-1711">313</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:TreasuryStockAcquisitionsFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1712">1,492</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:TreasuryStockAcquisitionsFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1713">2,072</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:TreasuryStockAcquisitionsFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1714">2,670</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:OtherPaymentsRelatingToFinancingActivities" scale="6" id="f-1715">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="c-22" decimals="-6" name="bbva:OtherPaymentsRelatingToFinancingActivities" scale="6" id="f-1716">622</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OtherPaymentsRelatingToFinancingActivities" scale="6" id="f-1717">571</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 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="c-1" decimals="-6" name="bbva:CollectionsFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1718">6,205</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="c-22" decimals="-6" name="bbva:CollectionsFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1719">5,383</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:CollectionsFromFinancingActivities" scale="6" id="f-1720">434</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1721">5,514</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1722">4,672</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:fixed-zero" scale="6" id="f-1723">&#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 shares increase</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromIssuingShares" format="ixt:fixed-zero" scale="6" id="f-1724">&#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="c-22" decimals="-6" name="ifrs-full:ProceedsFromIssuingShares" format="ixt:fixed-zero" scale="6" id="f-1725">&#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="c-23" decimals="-6" name="ifrs-full:ProceedsFromIssuingShares" format="ixt:fixed-zero" scale="6" id="f-1726">&#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 shares disposal</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:CollectionsTreasurySharesDisposal" scale="6" id="f-1727">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:CollectionsTreasurySharesDisposal" scale="6" id="f-1728">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:CollectionsTreasurySharesDisposal" scale="6" id="f-1729">434</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:OtherItemsRelatingToFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-1730">&#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="c-22" decimals="-6" name="bbva:OtherItemsRelatingToFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-1731">&#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="c-23" decimals="-6" name="bbva:OtherItemsRelatingToFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-1732">&#8212;</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:6pt;font-weight:700;line-height:120%">D) EFFECT OF EXCHANGE RATE CHANGES</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1733">2,091</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="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-1734">357</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="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-1735">288</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:6pt;font-weight:700;line-height:120%">E) NET INCREASE/DECREASE IN CASH AND CASH EQUIVALENTS (A+B+C+D)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1736">24,271</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="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1737">4,339</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="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1738">11,957</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;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></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1739">75,416</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="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1740">79,756</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="eur" contextRef="c-173" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1741">67,799</ix:nonFraction></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"><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"> </span></div></td><td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000;padding:0 1pt"/><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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1742">51,145</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1743">75,416</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1744">79,756</ix:nonFraction></span></td></tr><tr style="height:9pt"><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="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:6pt;font-weight:700;line-height:120%">COMPONENTS OF CASH AND CASH EQUIVALENTS AT END OF THE YEAR (Millions of Euros)</span></div></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1.49pt 0 1pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;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:6pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="border-top:0.25pt solid #ffffff;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:6pt;font-weight:700;line-height:120%">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%">Cash</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%">9</span></td><td colspan="3" style="border-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="c-13" decimals="-6" name="ifrs-full:Cash" format="ixt:num-dot-decimal" scale="6" id="f-1745">8,636</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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Cash" format="ixt:num-dot-decimal" scale="6" id="f-1746">7,751</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="c-21" decimals="-6" name="ifrs-full:Cash" format="ixt:num-dot-decimal" scale="6" id="f-1747">6,533</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-1748">35,306</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-1749">60,750</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-1750">67,314</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1751">7,202</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1752">6,916</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1753">5,909</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:BankOverdraftsClassifiedAsCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-1754">&#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="c-20" decimals="-6" name="ifrs-full:BankOverdraftsClassifiedAsCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-1755">&#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="c-21" decimals="-6" name="ifrs-full:BankOverdraftsClassifiedAsCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-1756">&#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: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;border-bottom:1pt solid #ffffff;padding:0 1pt"/><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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1757">51,145</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1758">75,416</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1759">79,756</ix:nonFraction></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:120%">The 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-12</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_520"></div><hr style="page-break-after:always"/><div style="min-height: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="i22a2e436ff7c462c96898906283f922e_523"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfIntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationTextBlock" id="f-1760" continuedAt="f-1760-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Introduction, basis for the presentation of the Consolidated Financial Statements, Internal Control over Financial Reporting and other information </span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_526"></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%">1.1</span><ix:continuation id="f-1760-1" continuedAt="f-1760-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Introduction</span></ix:continuation></div><ix:continuation id="f-1760-2" continuedAt="f-1760-3"><div style="margin-bottom:10pt;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;), registered with the Company Register of Vizcaya, 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). 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. 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.</span></div><div style="margin-bottom:10pt;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, 2024, in addition to the Bank, the BBVA Group had 174 consolidated entities and 39 entities accounted for using the equity method (see Notes 3 and 16 and Appendices I to IV).</span></div><div style="margin-bottom:10pt;margin-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, 2024, were authorized for issue on February 21, 2025.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">1.2</span><ix:continuation id="f-1760-3" continuedAt="f-1760-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Basis for the presentation of the Consolidated Financial Statements</span></ix:continuation></div><ix:continuation id="f-1760-4" continuedAt="f-1760-5"><div style="margin-bottom:10pt;margin-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 (hereinafter &#8220;IASB&#8221;)), as well as in accordance with the International Financial Reporting Standards endorsed by the European Union (EU-IFRS) applicable as of December 31, 2024, 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, 2024 were prepared by the Group&#8217;s Directors (through the Board of Directors meeting held on February 11, 2025) 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, 2024, together with the consolidated results of its operations and cash flows generated during the year ended December 31, 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%">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 applicable 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="i22a2e436ff7c462c96898906283f922e_532"></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%">1.3</span><ix:continuation id="f-1760-5" continuedAt="f-1760-6"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Comparative information</span></ix:continuation></div><ix:continuation id="f-1760-6" continuedAt="f-1760-7"><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 "Insurance Contracts"</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="f-1760-7" continuedAt="f-1760-8">IFRS 17 superseded IFRS 4 for the recognition, measurement, presentation and disclosure of insurance contracts. The initial application date of IFRS 17 was January 1, 2023, and it has been applied to the years ended December 31, 2024 and 2023, with a transition date of January 1, 2022. The impact of these retrospective adjustments was not significant for the consolidated financial statements of the BBVA Group.</ix:continuation> </span></div><div id="i22a2e436ff7c462c96898906283f922e_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:130%">1.4</span><ix:continuation id="f-1760-8" continuedAt="f-1760-9"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Seasonal nature of income and expense</span></ix:continuation></div><ix:continuation id="f-1760-9" continuedAt="f-1760-10"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-13</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_541"></div><hr style="page-break-after:always"/><div style="min-height: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%">1.5</span><ix:continuation id="f-1760-10" continuedAt="f-1760-11"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Responsibility for the information and for the estimates made</span></ix:continuation></div><ix:continuation id="f-1760-11" continuedAt="f-1760-12"><div style="margin-bottom:10pt;margin-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 in the valuation of insurance and reinsurance contracts (see Note 23) to quantify certain provisions (see Note 24) and the 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 and impairment losses of non-current assets held for sale (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 and the forecast for corporate income tax (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%">In general, the BBVA Group is working to consider and include how climate risk and other climate-related matters can affect the consolidated financial statements, cash flows and financial performance of the Group within the models used for calculating certain relevant estimations. These estimates and judgments are being considered when preparing the financial statements of the BBVA Group and, where relevant, they are mentioned in the corresponding Notes to 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%">The prevailing geopolitical and economic uncertainties (see Note 7.1) entail a greater complexity in developing reliable estimations and applying judgment. Estimates have been made on the basis of the best available information on the matters analyzed as of December 31, 2024. However, it is possible that events may take place subsequent to such date, 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 2024 there have been no significant changes in the estimates made as of December 31, 2023 and 2022, other than those indicated in these Consolidated Financial Statements.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">1.6</span><ix:continuation id="f-1760-12" continuedAt="f-1760-13"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">BBVA Group&#8217;s Internal Control over Financial Reporting</span></ix:continuation></div><ix:continuation id="f-1760-13" continuedAt="f-1760-14"><div style="margin-bottom:10pt;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 (hereinafter "ICFR") model. 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 that may arise and the controls that mitigate them. This control system is subject to a continuous evaluation coordinated 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 ensure 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. Among its main functions is the definition and coordination of 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1760-14"><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, Technology, Third Party, Compliance or Processes). This second line defines the mitigation and control frameworks for the risks in their areas of responsibility across the entire organization and also challenges the functioning of 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 internal 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 Group's 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 different RCAs and RCSs control units, coordinated by Internal Financial Control (RCS Finance), follow 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:justify"><img src="bbva-20241231_g2.jpg" alt="Captura de pantalla 2024-12-16 134144.jpg" style="height:246px;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 includes both the controls related to the financial information generation processes, as well as those of a broader scope, designed to improve the Group's general control environment (ELC or Entity Level Control). Both types of controls are assessed on a regular basis by the Control areas and by the Group's Internal Audit unit. The result of their evaluation is reported to 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 ("SOX") for the preparation of the Consolidated Financial Statements, as a company with securities registered with the U.S. Securities and Exchange Commission ("SEC"). 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="i22a2e436ff7c462c96898906283f922e_547"></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%">2.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfPrinciplesOfConsolidationAccountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsTextBlock" id="f-1761" continuedAt="f-1761-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt">Principles of consolidation, accounting policies and measurement bases applied and recent IFRS pronouncements</span></ix:nonNumeric></div><ix:continuation id="f-1761-1" continuedAt="f-1761-2"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_550"></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><ix:continuation id="f-1761-2" continuedAt="f-1761-3"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Principles of consolidation</span></ix:continuation></div><ix:continuation id="f-1761-3" continuedAt="f-1761-4"><div style="margin-bottom:10pt;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, the Financial Statements of the BBVA Group are comprised 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). </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%">Generally, there is a presumption that a majority of voting rights gives rise to control. When the Group holds less than the majority of the voting rights or similar rights in an entity, the Group considers all relevant facts and circumstances in assessing whether it has control over the entity, including: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:17.86pt"><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:15.34pt">Contractual arrangements with other holders of voting rights.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:17.86pt"><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:15.34pt">The rights arising from other contractual arrangements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:17.86pt"><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:15.34pt">The Group's voting rights and potential voting rights. </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1761-4" continuedAt="f-1761-5"><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%">There are certain entities that, although the Group holds less than 50% of the voting rights in them, are considered to be subsidiaries because the Group has the ability to exercise control over them (see Appendix I).</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%">The financial statements of the subsidiaries are fully consolidated with those of the Bank through the full consolidation method, which consists of the aggregation of assets, liabilities and equity, income and expenses, of a similar nature, shown in their individual financial statements. Intragroup assets and liabilities, equity, income and expenses and cash flows related to intragroup transactions are eliminated in 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%">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 interests (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, 2024, 2023 and 2022. Appendix I includes other significant information on such 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="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%">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 the main joint ventures accounted for using the equity method as of December 31, 2024.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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, see Glossary), but not control or joint control. 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%">The Group evaluates the existence of significant influence, not only based on the voting rights but also qualitative factors such as presence on the board of directors, participation in decision-making processes, exchange of management personnel, as well as access to technical information. Regarding joint agreements, in addition to evaluating the rights and obligations of the parties thereto, other facts and circumstances are considered to determine whether an agreement is a joint venture or a joint operation. When the sale or contribution of a controlled business to an associate or joint venture occurs, the Group recognizes any retained interest at fair value. The difference between the book value of the business contributed and the fair value of the retained investment plus the corresponding disposal is fully recognized in the income statement.</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 are classified as &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221; (see Note 11) or "Financial assets at fair value through other comprehensive income" (see Note 13).</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, 2024, 2023 and 2022, 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%">Associates are valued for by the equity method. These entities are initially recognized at cost and subsequently adjusted according to the changes in the Group's share of the net assets of such entities after their acquisition (see Note 16). The Group's income statement reflects the proportion of the results generated by associates in the line "Results of entities accounted for using the equity method". The main figures of the most significant entities are shown in Appendix II.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 (see Glossary) 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.</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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1761-5" continuedAt="f-1761-6"><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:71.43pt;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). </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 BBVA Group maintains the decision-making power over the relevant activities of these structured entities subject to consolidation and provides financial support through contracts, as is standard in the securitization market. </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 most common ones are investment positions in equity tranches of notes; 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 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, 2024, 2023 and 2022 there was no material financial support from the Bank or its subsidiaries to 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 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 will be adjusted to take into account the most significant transactions. As of December 31, 2024, financial statements as of December 31 of all Group entities were utilized except in the case of the consolidated financial statements of nine non-significant entities for which financial statements as of November 30, 2024 were used.</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%">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%">A business combination is a transaction, or any other deal, by which the Group obtains control over one or more businesses, accounting for by applying the &#8220;acquisition method&#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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1761-6" continuedAt="f-1761-7"><div style="margin-bottom:10pt;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 accounted for. 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%">The acquirer shall recognize an asset in the consolidated balance sheet under the heading &#8220;Intangible assets - Goodwill&#8221; (see Note 2.2.7) 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 paid, the amount of all the minority interests and the fair value of the 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 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%">Minority 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 minority interests may be elected in each business combination. BBVA Group has always elected the second method.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_553"></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%">2.2</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForFinancialInstrumentsPolicyTextBlock" id="f-1762" continuedAt="f-1762-1" escape="true"><ix:continuation id="f-1761-7" continuedAt="f-1761-8"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Accounting principles and policies and applied valuation methods</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1762-1" continuedAt="f-1762-2"><ix:continuation id="f-1761-8" continuedAt="f-1761-9"><div style="margin-bottom:10pt;margin-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="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.1</span><ix:continuation id="f-1762-2" continuedAt="f-1762-3"><ix:continuation id="f-1761-9" continuedAt="f-1761-10"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Financial instruments</span></ix:continuation></ix:continuation></div><ix:continuation id="f-1762-3" continuedAt="f-1762-4"><ix:continuation id="f-1761-10" continuedAt="f-1761-11"><div style="margin-bottom:10pt;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 1, 2018, IFRS 9 came into force, replacing IAS 39 regarding the classification and measurement of financial assets and liabilities, credit impairment and hedge accounting. At that time, the Group chose to continue applying IAS 39 for hedge accounting, as permitted by IFRS 9. However, the Group has determined to apply the requirements of IFRS 9 to hedge accounting from January 1, 2025. This change in accounting policy applicable to hedging relationships had no significant impact on the Group's consolidated financial statements as of the date of its implementation.</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%">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 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 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;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;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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1762-4" continuedAt="f-1762-5"><ix:continuation id="f-1761-11" continuedAt="f-1761-12"><div style="margin-bottom:10pt;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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1762-5" continuedAt="f-1762-6"><ix:continuation id="f-1761-12" continuedAt="f-1761-13"><div style="margin-bottom:10pt;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 specific case of loans granted by the BBVA Group where the financial remuneration is linked to the compliance with certain environmental, social and governance (hereinafter "ESG") conditions and criteria, the Group considers that the impact of compliance with the ESG criteria on the interest rate applied to the transactions is very limited and, therefore, meets the condition that it has a minimal effect on cash flows. Therefore, the existence of these ESG-linked clauses would not entail non-compliance with the aforementioned SPP 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="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%">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="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%">&#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 to generate short-term results. The financial assets recorded in the heading &#8220;Non-trading financial assets mandatorily at fair value through profit or loss" either have contractual cash flows that do not met the conditions of the SPPI test, or are not covered by a business model whose objective is either (i) to hold financial assets to collect contractual cash flows or (ii) achieved by collecting contractual cash flows and selling financial assets. Financial assets are classified in &#8220;Financial assets designated at fair value through profit or loss&#8221; only if such classification 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="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%">"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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1762-6" continuedAt="f-1762-7"><ix:continuation id="f-1761-13" continuedAt="f-1761-14"><div style="margin-bottom:10pt;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="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%">&#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="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%">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; 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">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="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%">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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1762-7" continuedAt="f-1762-8"><ix:continuation id="f-1761-14" continuedAt="f-1761-15"><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%">&#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.</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%">&#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="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%">&#8220;Hybrid financial liabilities&#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%">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><ix:nonNumeric contextRef="c-1" name="bbva:DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" id="f-1763" continuedAt="f-1763-1" 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%">&#8220;Derivatives &#8211; 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 hedging 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%">In some hedging relationships, the Group additionally designates inflation risk as a contractually specified component in a debt instrument (for example, inflation-referenced 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%">Hedge 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1762-8" continuedAt="f-1762-9"><ix:continuation id="f-1761-15" continuedAt="f-1761-16"><ix:continuation id="f-1763-1"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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:continuation><ix:nonNumeric contextRef="c-1" name="bbva:LossAllowancesOnFinancialAssetsPolicyTextBlock" id="f-1764" continuedAt="f-1764-1" 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%">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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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 </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Stage</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> 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 (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">stage</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> 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%">The definition of impaired asset under IFRS 9 is currently aligned with that of default used by the Group both for internal credit risk management and for regulatory purposes, in accordance with the definitions established in the European Banking Authority (hereinafter "EBA") Guidelines and in Article 178 of Regulation (EU) No 575/2013 (CRR). This alignment facilitates the integration of both definitions in credit risk management, giving coherence and consistency in 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%">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, 2024, 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1764-1" continuedAt="f-1764-2"><ix:continuation id="f-1762-9" continuedAt="f-1762-10"><ix:continuation id="f-1761-16" continuedAt="f-1761-17"><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%.</span></div><div style="margin-bottom:10pt;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="margin-bottom:10pt;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 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1762-10" continuedAt="f-1762-11"><ix:continuation id="f-1761-17" continuedAt="f-1761-18"><ix:continuation id="f-1764-2"><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, 2024, 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 to contracts with a current annualized probability of default (PD) of less than 0.3%. 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><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%">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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1762-11"><ix:continuation id="f-1761-18" continuedAt="f-1761-19"><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%">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="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%">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 geographical areas in which the Group operates are the Gross Domestic Product (hereinafter "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:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">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="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.2</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" id="f-1765" continuedAt="f-1765-1" escape="true"><ix:continuation id="f-1761-19" continuedAt="f-1761-20"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Transfers and derecognition of financial assets and liabilities </span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1765-1"><ix:continuation id="f-1761-20" continuedAt="f-1761-21"><div style="margin-bottom:10pt;margin-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.</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%">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="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.3</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForFinancialGuaranteesTextBlock" id="f-1766" continuedAt="f-1766-1" escape="true"><ix:continuation id="f-1761-21" continuedAt="f-1761-22"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Financial guarantees</span></ix:continuation></ix:nonNumeric></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1766-1"><ix:continuation id="f-1761-22" continuedAt="f-1761-23"><div style="margin-bottom:10pt;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></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_565"></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%">2.2.4</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" id="f-1767" continuedAt="f-1767-1" escape="true"><ix:continuation id="f-1761-23" continuedAt="f-1761-24"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Tangible Assets</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1767-1" continuedAt="f-1767-2"><ix:continuation id="f-1761-24" continuedAt="f-1761-25"><div style="margin-bottom: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%">Tangible assets are classified according to their nature:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt">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 Group and that it expects to hold for more than one year. It also includes tangible assets received by the Group in full or partial settlement of receivables from third parties which are expected to be held for continuing use.</span></div><div style="padding-left:43.08pt;text-align:justify;text-indent:-18pt"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8211;</span><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%;padding-left:12.44pt">Investment properties&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Includes the value of land, buildings and other structures that are held either for rental or for capital gain on sale, and which are not expected to be used in the ordinary course of business and are not intended for own use. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt">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%">Includes assets for which the Group has granted the right of use to another company through an operating lease contract.</span></div></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_568"></div><ix:nonNumeric contextRef="c-1" name="bbva:DepreciationRatesForTangibleAssetsTableTextBlock" id="f-1768" escape="true"><ix:continuation id="f-1767-2" continuedAt="f-1767-3"><ix:continuation id="f-1761-25" continuedAt="f-1761-26"><div style="margin-bottom:10pt;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, and as an accounting policy option, tangible assets are recorded in the balance sheets under the cost model, i.e., at acquisition cost, less the related accumulated depreciation and, if applicable, the estimated impairment losses resulting from comparing the net book value of each item with its corresponding recoverable value (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 Group uses the straight-line method to calculate depreciation over the estimated useful life of the asset. The depreciation charge for tangible assets is recorded under "Depreciation and amortization" in the income statement (see Note 45) and is the result of using the following depreciation rates:</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%">General 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%"><ix:nonNumeric contextRef="c-200" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="f-1769">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 colspan="3" style="padding:2px 1pt;text-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="c-201" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="f-1770">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 colspan="3" style="padding:2px 1pt;text-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="c-202" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="f-1771">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 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="c-203" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="f-1772">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 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="c-204" name="ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment" id="f-1773">The lesser of the lease term or the useful life of the underlying asset</ix:nonNumeric></span></td></tr></table></div></ix:continuation></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_571"></div><ix:continuation id="f-1767-3" continuedAt="f-1767-4"><ix:continuation id="f-1761-26" continuedAt="f-1761-27"><div style="margin-bottom:10pt;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 analyzes whether there are indicators that a tangible asset may be impaired and, if any, adjusts the carrying amount to its recoverable amount, modifying future depreciation charges in accordance with its revised remaining useful life. Similarly, if there is indication that the value of a tangible asset that was previously impaired has been recovered, the Group estimates the recoverable amount of the asset and recognizes in the income statement the reversal of the impairment loss recognized in previous years and thus, adjusts the future depreciation charges. Any impairment or reversal of impairment will be recognized with the offsetting entry recorded to the heading &#8220;Impairment or reversal of impairment of non-financial assets - Intangible assets&#8221; of the consolidated income statement (see Note 49).</span></div><div style="margin-bottom:10pt;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 (hereinafter, "CGUs") to which they belong. The corresponding impairment analyses are performed for these CGUs to determine whether sufficient cash flows are generated to support the value of the assets comprised therein.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1767-4"><ix:continuation id="f-1761-27" continuedAt="f-1761-28"><div style="margin-bottom:10pt;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 expenses relating to tangible assets for own use are recognized in the year in which they are incurred under "Administrative expenses - Property, plant and equipment" in the income statement (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%">Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is adjusted, at each balance sheet date, to show variations in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.5</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForLeasesPolicyTextBlock" id="f-1774" continuedAt="f-1774-1" escape="true"><ix:continuation id="f-1761-28" continuedAt="f-1761-29"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Leases</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1774-1"><ix:continuation id="f-1761-29" continuedAt="f-1761-30"><div style="margin-bottom:10pt;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, the Group will record assets and liabilities for lease contracts by recording a right of use (right to use the leased asset) under ''Tangible assets - Property, plant and equipment'' and ''Tangible assets - Investment property'' (see Note 17), and a lease liability (its obligation to make lease payments) under ''Financial liabilities at amortized cost - Other financial liabilities'' (see Note 22.5). The BBVA Group applies two exceptions in the case of short-term leases and leases whose underlying asset is of low value. In these cases, lease payments are recognized under "Other operating expense" (see Note 42) in the consolidated income statement over the term of the 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%">At the initial date of the lease, the lease liability is equal to the present value of all lease unpaid payments. Subsequently, it is valued at amortized cost.</span></div><div style="margin-bottom:10pt;margin-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 is initially recorded at cost and is subsequently reduced by accumulated amortization and accumulated impairment. The Group has decided to calculate depreciation using the straight-line method. Depreciation of tangible assets is recorded under "Depreciation and amortization" in the consolidated statement of income (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%">The interest expense on the lease liability is recorded 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%">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%">On the other hand, when the Group acts as a lessor, it classifies leases as finance or 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%">In finance leases, the sum of the present values of the amounts received plus the guaranteed residual value is recorded as financing provided to third parties and is included under "Financial assets at amortized cost" in the consolidated balance sheet (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%">In operating leases, the acquisition cost of the leased assets is presented under "Tangible assets - Property, plant and equipment - Assigned under operating leases" in the consolidated balance sheet (see Note 17). These assets are depreciated in accordance with the policies adopted for similar tangible assets for own use and the income and expenses arising from the lease contracts are recognized in the consolidated income statement on a straight-line basis under "Other operating income" and "Other operating expense", respectively (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><div style="margin-bottom:10pt;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 those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.6</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" id="f-1775" continuedAt="f-1775-1" escape="true"><ix:continuation id="f-1761-30" continuedAt="f-1761-31"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale </span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1775-1" continuedAt="f-1775-2"><ix:continuation id="f-1761-31" continuedAt="f-1761-32"><div style="margin-bottom:10pt;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 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, it includes assets that were expected to be disposed of within one year, but for which disposal there is a delay caused by events and circumstances beyond the Group's control, and there is sufficient evidence that the Group remains committed to its plan for sale (see Note 21), in particular, regarding real estate assets or other assets received to cancel, in whole or in part, the payment obligations of debtors for credit operations. These assets are not amortized as long as they remain in this 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%">With respect to valuation, in general, foreclosed real estate assets or assets received in payment of debts are recognized both at the date of acquisition and subsequently, at the lower of their fair value less estimated costs to sell and their carrying amount, with the possibility of recognizing an impairment or reversal of impairment for the difference, if applicable. When the amount of the sale less estimated costs to sell exceeds the carrying amount, the gain is not recognized until the time of disposal and derecognition.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The applicable carrying value of the financial asset is updated at the time of foreclosure, treating the foreclosed property as collateral and taking into account the corresponding credit risk hedges at the time prior to delivery. The fair value of foreclosed assets is based mainly on appraisals or valuations performed by independent experts with a maximum age of one year, or less if there are indications of impairment; in addition, by appraisal, the need to apply a discount on the asset based on its specific conditions or market conditions for such type of assets is evaluated and, in any case, the entity&#8217;s estimated sale costs are deducted.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1775-2"><ix:continuation id="f-1761-32" continuedAt="f-1761-33"><div style="margin-bottom:10pt;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/losses on disposal of these assets and impairment losses are recognized under "Gains (losses) on non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations" in the consolidated income statement (see Note 50). Other income and expenses are classified in the income statement items 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%">The income and expenses of discontinued operations generated in the year, even if they were generated prior to their classification as discontinued operations, are presented, net of the tax effect, as a single amount under "Profit (loss) after tax from discontinued operations" in the consolidated income statement. This caption also includes the results obtained on disposal (net of the 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%">Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of assets is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_580"></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%">2.2.7</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" id="f-1776" continuedAt="f-1776-1" escape="true"><ix:continuation id="f-1761-33" continuedAt="f-1761-34"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Intangible assets</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1776-1"><ix:continuation id="f-1761-34" continuedAt="f-1761-35"><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForGoodwillPolicyTextBlock" id="f-1778" continuedAt="f-1778-1" escape="true"><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForBusinessCombinationsPolicyTextBlock" id="f-1777" continuedAt="f-1777-1" escape="true"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">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 the advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.</span></div><div style="margin-bottom:10pt;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 allocated to one or more cash-generating units (CGUs) that are expected to be the beneficiaries of the synergies derived from the business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows for the Group. Goodwill is not amortized and is periodically tested for impairment (see Note 18), comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, 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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment loss.</span></div></ix:nonNumeric></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:continuation id="f-1778-1"><ix:continuation id="f-1777-1">Impairment losses on goodwill are recorded under "Impairment or reversal of impairment of non-financial assets - Intangible assets" (see Note 49).</ix:continuation></ix:continuation> </span></div><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" id="f-1779" escape="true"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">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 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 indefinite useful lives are not amortized but are tested for impairment at least 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%">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. Finite useful life intangible assets consist mainly of IT applications acquisition costs which have a useful life, in general, of 5 years. Internally developed software is recognized as an intangible asset when, among other requirements, it has the capacity to be used or sold, it is identifiable and its capacity to generate economic benefits in the future can be demonstrated. The amortization charge of these assets is 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%">Any impairment losses on the carrying amount of these assets will be recognized under 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.</span></div><div style="margin-bottom:10pt;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 those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div></ix:nonNumeric></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.8</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForInsuranceContractsPolicyTextBlock" id="f-1780" continuedAt="f-1780-1" escape="true"><ix:continuation id="f-1761-35" continuedAt="f-1761-36"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Insurance and reinsurance contracts</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1780-1" continuedAt="f-1780-2"><ix:continuation id="f-1761-36" continuedAt="f-1761-37"><div style="margin-bottom:10pt;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 superseded IFRS 4 as the accounting standard applicable to the recognition, measurement and presentation of contracts that transfer significant insurance risk. The initial application date of IFRS 17 by the BBVA Group was January 1, 2023 and it has been applied to the year ended December 31, 2023, with a transition date of January 1, 2022. In order to make the information as of and for the year ended December 31, 2022 comparable with the information as of and for the years ended December 31, 2024 and 2023, the balance sheet as of December 31, 2022 and the income statement for the year ended December 31, 2022 were restated.</span></div><div style="margin-bottom:10pt;margin-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 value of reinsurance covers in respect of the insurance liabilities recognized by the consolidated subsidiaries.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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><ix:continuation id="f-1780-2" continuedAt="f-1780-3"><ix:continuation id="f-1761-37" continuedAt="f-1761-38"><div style="margin-bottom:10pt;margin-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 liabilities recognized due to insurance contracts recorded by the consolidated subsidiaries in accordance with IFRS 17 (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:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Definition, grouping and classification</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%">The Group evaluates whether a significant insurance risk from a third party is being accepted in its contracts, when agreeing to compensate the policyholder if a specified uncertain future event adversely affects the policyholder. Thus, it identifies those insurance contracts that fall within IFRS 17. This evaluation was already carried out by the Group under IFRS 4 for the classification of its contracts between insurance contracts and 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%">The BBVA Group groups insurance contracts considering the following aspects:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Whether they are subject to similar risks and are managed jointly, separating as well direct insurance and 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">Their profitability or onerousness (in general, the Group classifies contracts by their profitability into two groups: onerous contracts, and non-onerous contracts or contracts without a significant possibility of becoming onerous</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">1</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">).</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Their year of issuance or cohort, grouping by this last criterion the contracts issued in the calendar year, i.e., between January 1 and December 31 of each year.</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%">Since the Group chose the fair value transition approach, for long-term contracts (mainly life-risk and life-saving insurance) issued prior to the transition date of January 1, 2022, it has not been necessary to aggregate the contracts by previous cohorts. For contracts issued after the transition date, the Group classifies them by year of issuance, and therefore, the Group has not accepted the exception provided for in the adoption of the standard by the European Union on annual cohorts in products with matched cash flows</span><span style="background-color:#ffffff;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">2</span><span style="background-color:#ffffff;color:#000000;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="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group has applied the analysis on the separation of non-insurance components only to insurance contracts falling under the scope of IFRS 17, with the entities identifying within their portfolios the existence of non-insurance components, and concluding based on expert judgment whether or not they need to separate them. In the case of non-separable investment components, they are included in the asset or liability, as appropriate, but are excluded from insurance income or expenses in the income statement.</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%">The initial recognition date has been established as the earliest of: the beginning of the coverage period of the group of contracts, the date when the first payment from an insurance policyholder in the group became due, or in the case of a group of onerous contracts, when the group becomes onerous. From that date, the insurance and reinsurance contracts have been reflected in the consolidated financial statements and valued in accordance with the provisions of IFRS 17.</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%">The Group derecognizes insurance contracts when the contract expires, that is, upon expiration of the contract or upon settlement of all the benefits of the contract or upon its cancellation; or when a modification is made to the terms of the contract that gives rise to derecognition.</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%">Valuation methods</span></div><div style="margin-bottom:10pt;margin-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 carries out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, applying the General Model (Building Block Approach) by default to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Fee Approach</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',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 General Model requires that insurance contracts be initially valued 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">fulfillment cash flows, which comprise the estimation of future cash flows discounted to reflect the time value of money, the financial risk associated, 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">and the contractual service margin (CSM), which represents the expected unearned profit from 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%">Subsequently, the amount recognized in the consolidated balance sheet for each group of insurance contracts measured under this model comprises the liability for remaining coverage, which includes the aforementioned fulfillment cash flows and the contractual service margin, and the liability for incurred claims, which includes the cash flows from related to claims that have occurred, but have not been paid, 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 by the uncertainty associated with the amount and timing of the expected cash flows. The Group uses the General Model for the valuation of liabilities under insurance and reinsurance contracts that correspond to long-term commitments, a portfolio that represents the majority of what is recorded in the balance sheet.</span></div></ix:continuation></ix:continuation><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:150pt"></div><div style="text-align:justify"><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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> There is the possibility of defining three or more onerous groups.</span></div><div style="text-align:justify"><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%"> Article 2 of Regulation (EU) 2021/2036 of the Commission of November 19, 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;margin-top:10pt;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-1780-3" continuedAt="f-1780-4"><ix:continuation id="f-1761-38" continuedAt="f-1761-39"><div style="margin-bottom:10pt;margin-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 used the Simplified Model in the valuation of the liability for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year but which are not expected to have a valuation significantly different from that of the General Model. Under this Simplified Model, the liability for remaining coverage is made up of the premiums received (collected), less the cash flows for the acquisition of the insurance paid, plus or minus the premiums or expected acquisition cash flows recorded in the income statement, respectively. The income statement recording is carried out on a linear basis throughout the coverage period of the contract, in the event that the accrual of income is also accrued. By default, the Group has chosen to defer acquisition expenses, although there is an option to recognize such expenses when they are incurred. In turn, the groups of contracts valued under this model have a liability for incurred claims calculated in a manner similar to that of the General Model. The Group has valued direct insurance contracts whose coverage period is less than one year, using the Simplified Model, the same method used for the valuation of assets for the reinsurance ceded. This model has also been used by the Group when the valuation under this Simplified Model does not differ significantly from that which would be produced by applying the General 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 amount of the contracts valued following the Variable Fee Approach is residual 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 BBVA Group has defined and identified for each group of contracts the hedging units to be used for the release to profit or loss of the contractual service margin, in accordance with IFRS 17, and subsequent interpretations issued by the Transition Resource Group for IFRS 17 and the IFRIC. The adjustments made to the contractual service margin in the subsequent measurement are those established in paragraph 44 of 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%">Furthermore, the Group has chosen the accounting policy option of not changing the treatment of accounting estimates made in previous interim closings.</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%">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%">The methodology used to obtain the discount rate differs according to the entity and portfolio to which it is applied, highlighting mainly the cases of the companies in Spain and Mexico, where the Group has greater presence (see Note 23). In the first case, the top-down approach has been mainly applied and it has been verified that the Internal Rate of Return (hereinafter &#8220;IRR&#8221;) of the entity&#8217;s asset portfolio converges with the IRR of a reference portfolio from which the European Insurance and Occupational Pensions Authority (hereinafter &#8220;EIOPA&#8221;) fundamental spread is discounted for. In the second case, the top-down approach has been used for immunized portfolios (see Glossary), eliminating the spread 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 rate. </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 adjustment for non-financial 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 risk adjustment for non-financial risk represents the compensation required for bearing uncertainty about the amount and timing of the associated cash flows. To estimate the non-financial risk adjustment, the Group has used its own methodologies based on calculations of the Value at Risk (VaR) of the commitments associated with the Life and Non-Life businesses, using in the case of Spain a confidence level of 80% and in the case of Mexico 70%.</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%">Onerosity</span></div><div style="margin-bottom:10pt;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 insurance contract is onerous at the date of initial recognition if the fulfilment cash flows allocated to the contract, any previously recognized insurance acquisition cash flows and any cash flows arising from the contract at the date of initial recognition in total are a net outflow.</span></div><div style="margin-bottom:10pt;margin-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 classified the contracts valued under the General Model into onerous groups, considering the fulfillment cash flows, acquisition expenses and any other attributable cash flow. The evaluation is carried out, in general terms, contract by contract, except in those cases where it is possible to group into sets of homogeneous 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%">Contracts valued under the Simplified Model, by default, are assumed to be non-onerous at their initial recognition, unless there are facts and circumstances that indicate otherwise, where the Group relies on information from existing internal reports (ratios and indicators) for monitoring business performance, adjusted to the criteria of IFRS 17, as well as market evolution expectations based on expert judgment. The granularity to carry out this evaluation may be the same as that used to monitor the business through the abovementioned internal reports.</span></div><div style="margin-bottom:10pt;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 same way as the contractual service margin represents the estimated future benefit of the insurance contract, the loss component is the estimated loss of the onerous contract. The accounting record of these two concepts has a different temporality:</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',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-weight:400;line-height:130%">while the margin is deferred throughout the duration of the contract according to the contractual limits, the loss component is recognized in the income statement as soon as it is known, which will result in the carrying amount of the group's liability being equal to the fulfilment cash flows and the group's contractual service margin being equal to zero.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Throughout the life of a contract, the assumptions used to project future cash flows may change and, consequently, the expected return on a contract may increase or decrease. This means that a group of contracts initially classified as onerous may become more onerous, or on the contrary, in the subsequent measurement the assumptions used to estimate the cash flows may change so much that the previously recognized loss could be reversed.</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%">Reinsurance</span></div><div style="margin-bottom:10pt;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, the Group values reinsurance covers under the Simplified Model, valuing the asset for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year, but which are not expected to produce a valuation significantly different from that of the General Model. This method also includes the asset for incurred claims.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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><ix:continuation id="f-1780-4"><ix:continuation id="f-1761-39" continuedAt="f-1761-40"><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%">Effect on results</span></div><div style="margin-bottom:10pt;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, for the presentation of the financial income or expenses from insurance contracts that arise as a result of the change in the discount rate, both due to the effect of the time value of money as well as the effect of financial risk, the Group has chosen the accounting policy option of disaggregating these financial income or expenses from insurance contracts between recording them in the "Net interest income" and in "Accumulated other comprehensive income (loss)", in order to minimize accounting asymmetries in the valuation and recognition of financial investments under IFRS 9 and insurance contracts under 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 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 income or expense from insurance contracts. Insurance revenue is recognized over the period the entity provides insurance coverage, excluding any investment component.</span></div><div style="margin-bottom:10pt;margin-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 component, in the case of onerous contracts, corresponds to the losses attributable to each group of contracts, both at initial recognition and at a later time.</span></div></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.9</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForIncomeTaxPolicyTextBlock" id="f-1781" continuedAt="f-1781-1" escape="true"><ix:continuation id="f-1761-40" continuedAt="f-1761-41"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Tax assets and liabilities</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1761-41" continuedAt="f-1761-42"><ix:continuation id="f-1781-1"><div style="margin-bottom:10pt;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 as an expense for the period 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="c-1" name="bbva:AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" id="f-1782" 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, the carryforward of unused tax losses and carryforward of unused tax credits 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 only 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 if it is necessary to make adjustments 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><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" id="f-1783" 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 income and expense directly recognized in consolidated equity that do not increase or decrease taxable income are accounted for as temporary differences.</span></div></ix:nonNumeric></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.10</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForProvisionsPolicyTextBlock" id="f-1784" continuedAt="f-1784-1" escape="true"><ix:continuation id="f-1761-42" continuedAt="f-1761-43"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Provisions, contingent assets and contingent liabilities</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1784-1" continuedAt="f-1784-2"><ix:continuation id="f-1761-43" continuedAt="f-1761-44"><div style="margin-bottom:10pt;margin-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 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 2.2.13, as well as provisions for tax and legal litigation.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1784-2"><ix:continuation id="f-1761-44" continuedAt="f-1761-45"><div style="margin-bottom:10pt;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><div style="margin-bottom:10pt;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 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 (see Note 34).</span></div></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.11</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForTreasurySharesPolicyTextBlock" id="f-1785" continuedAt="f-1785-1" escape="true"><ix:continuation id="f-1761-45" continuedAt="f-1761-46"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Treasury shares</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1785-1"><ix:continuation id="f-1761-46" continuedAt="f-1761-47"><div style="margin-bottom:10pt;margin-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="i22a2e436ff7c462c96898906283f922e_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%">2.2.12</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock" id="f-1786" continuedAt="f-1786-1" escape="true"><ix:continuation id="f-1761-47" continuedAt="f-1761-48"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt">Equity-settled share-based payment transactions</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1786-1"><ix:continuation id="f-1761-48" continuedAt="f-1761-49"><div style="margin-bottom:10pt;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:120%">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="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.13</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForEmployeeBenefitsPolicyTextBlock" id="f-1787" continuedAt="f-1787-1" escape="true"><ix:continuation id="f-1761-49" continuedAt="f-1761-50"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Pensions and other post-employment commitments </span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1787-1" continuedAt="f-1787-2"><ix:continuation id="f-1761-50" continuedAt="f-1761-51"><div style="margin-bottom:10pt;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 Group 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1787-2"><ix:continuation id="f-1761-51" continuedAt="f-1761-52"><div style="margin-bottom:10pt;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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; 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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; 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, 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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; 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="i22a2e436ff7c462c96898906283f922e_601"></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%">2.2.14</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForTerminationBenefitsPolicyTextBlock" id="f-1788" continuedAt="f-1788-1" escape="true"><ix:continuation id="f-1761-52" continuedAt="f-1761-53"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Termination benefits</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1761-53" continuedAt="f-1761-54"><div style="margin-bottom:10pt;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="f-1788-1">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.</ix:continuation> </span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.15</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" id="f-1789" continuedAt="f-1789-1" escape="true"><ix:continuation id="f-1761-54" continuedAt="f-1761-55"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Recognition of income and expense</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1789-1" continuedAt="f-1789-2"><ix:continuation id="f-1761-55" continuedAt="f-1761-56"><div style="margin-bottom:10pt;margin-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><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" id="f-1790" continuedAt="f-1790-1" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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 be added to the gross carrying amount of the debt instrument.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1789-2" continuedAt="f-1789-3"><ix:continuation id="f-1761-56" continuedAt="f-1761-57"><ix:continuation id="f-1790-1"><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 be added to 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%">In the event that a debt instrument is considered impaired, interest income will be calculated by applying the effective interest rate to the amortized cost (that is, adjusting for any impairment loss) of the financial 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 be added to 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 at the time the right to receive them arises, which is the time of the official announcement of receipt of the payment by the appropriate governing body of the entity. 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><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" id="f-1791" continuedAt="f-1791-1" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 commissions collected/paid:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial fees are an integral part of the actual performance of a financing transaction and are collected in advance. They can be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Fees charged for the origination or acquisition of financing transactions that are not measured at fair value through profit or loss, such as those charged for the evaluation of the borrower's financial condition, for the analysis and recording of various collateral, as well as those charged for negotiating the terms of transactions or preparing and processing documentation and the closing of transactions, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. These fees, forming part of the effective rate of the loans, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Fees agreed as compensation for the commitment to grant financing when it is not measured at fair value through profit or loss and it is probable that the Group will enter into a specific loan agreement, are deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. If the commitment expires before the entity makes the loan such fee is recognized as revenue at the time of expiration.</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%">Non-financial commissions derived from the provision of financial services other than financing transactions may be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Related to the performance of a service rendered over time (e.g. account administration fees or fees collected in advance for the issuance or renewal of credit cards), in which case they are recognized over time based on the degree of progress in providing the service.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Related to the performance of a service rendered at a specific time (e.g. underwriting of securities, currency exchange, advice or syndication of a loan), in which they are recognized in the income statement at the time of collection.</span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" id="f-1792" continuedAt="f-1792-1" escape="true"><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></ix:nonNumeric></div><ix:continuation id="f-1792-1"><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, they are recognized on an accrual basis, that is, as the contractually committed goods or services are delivered or rendered and recognized as revenue over the life of the contract.</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 the event that consideration is received or there is a right to receive consideration without delivery of the contractually committed goods or services, a liability is recognized in the balance sheet until it is recognized in the income statement. </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 the case of collections and payments deferred over time, they are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.</span></div></ix:continuation><ix:continuation id="f-1791-1" continuedAt="f-1791-2"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1791-2"><ix:continuation id="f-1789-3"><ix:continuation id="f-1761-57" continuedAt="f-1761-58"><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">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></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.16</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" id="f-1793" continuedAt="f-1793-1" escape="true"><ix:continuation id="f-1761-58" continuedAt="f-1761-59"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Sales of assets and income from the provision of non-financial services</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1793-1"><ix:continuation id="f-1761-59" continuedAt="f-1761-60"><div style="margin-bottom:10pt;margin-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;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).</span></div></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">2.2.17</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" id="f-1794" continuedAt="f-1794-1" escape="true"><ix:continuation id="f-1761-60" continuedAt="f-1761-61"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Foreign-currency transactions and exchange differences</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1794-1" continuedAt="f-1794-2"><ix:continuation id="f-1761-61" continuedAt="f-1761-62"><div style="margin-bottom:10pt;margin-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="c-1" name="bbva:AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" id="f-1795" continuedAt="f-1795-1" 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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 2.2.18). 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 (see 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" (see Note 30), until the item to which they relate is derecognized, at which time they are recognized in the income statement.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1795-1"><ix:continuation id="f-1794-2"><ix:continuation id="f-1761-62" continuedAt="f-1761-63"><div style="margin-bottom:10pt;margin-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 2.2.18). 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, 2024, 2023 and 2022, 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 2.2.18).</span></div></ix:continuation></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_613"></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%">2.2.18</span><ix:nonNumeric contextRef="c-1" name="bbva:AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" id="f-1796" continuedAt="f-1796-1" escape="true"><ix:continuation id="f-1761-63" continuedAt="f-1761-64"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Entities and branches located in countries with hyperinflationary economies</span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-1796-1" continuedAt="f-1796-2"><ix:continuation id="f-1761-64" continuedAt="f-1761-65"><div style="margin-bottom:10pt;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 2022, 2018 and 2009, the economies of Turkey, Argentina and Venezuela, 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 geographical areas have 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%">As a consequence of the application of IAS 29 "Financial Reporting in Hyperinflationary Economies", the Group applies the following criteria in the financial statements of the Group companies that operate in these three geographical areas:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 21), 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 with "Accumulated other comprehensive income (loss)" as counterparty.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Consequently, 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 "Effects of Changes in Foreign Exchange Rates".</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%">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;1,742 million in 2024, of which &#8364;1,498 million is attributable to owners of the parent (&#8364;2,242 and &#8364;1,793 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;1,512 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement (&#8364;2,118 and &#8364;2,323 million in 2023 and 2022, respectively), and it was partially offset by the positive impact of the revaluation of certain bonds linked to inflation, for a gross amount of &#8364;1,164 million (&#8364;1,202 and &#8364;1,490 million in 2023 and 2022, respectively), given that, under IAS 29 "Financial Reporting in Hyperinflationary Economies", 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%">In addition, during 2024 the impact on equity of Group entities located in Turkey derived from the application of IAS 29 and the conversion to the euro (IAS 21) amounted to &#8364;1,253 million (&#8364;-355 million in 2023), of which &#8364;1,072 million (&#8364;-306 million in 2023) have been recorded within &#8220;Equity &#8211; Accumulated other comprehensive income (loss)&#8221;, and &#8364;181 million (&#8364;-49 million in 2023) have been recorded within &#8220;Minority interests &#8211; Accumulated other comprehensive income (loss)&#8221;, respectively (see Notes 30 and 31). In 2022 the impact on equity of Group entities located in Turkey derived from the retrospective application of IAS 29 "Financial Reporting in Hyperinflationary Economies" since January 1, 2022, in the Turkish subsidiaries was an increase in equity of &#8364;130 million, mainly the result of the revaluation of tangible assets and inflation-linked bonds. </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1761-65" continuedAt="f-1761-66"><ix:continuation id="f-1796-2" continuedAt="f-1796-3"><div style="margin-bottom:10pt;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 2024 stood at 44.4% (64.8% and 64.3% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 36.74 Turkish lira per euro (32.65 and 19.96 in 2023 and 2022, 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:130%">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 combined result derived from the application of the above criteria amounted to a loss of &#8364;1,208 million, of which &#8364;810 million is attributable to owners of the parent in 2024 (&#8364;1,574 and &#8364;694 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;1,419 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2024 (&#8364;1,062 million and &#8364;822 million in 2023 and 2022, 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 2024, 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;1,115 million (&#8364;-634 million and &#8364;242 million in 2023 and 2022, respectively) of which &#8364;745 million (&#8364;-428 million and &#8364;157 million in 2023 and 2022, respectively) have been recorded within &#8220;Equity &#8211; Accumulated other comprehensive income (loss)&#8221;, and &#8364;370 million (&#8364;-206 million and &#8364;84 million in 2023 and 2022, respectively) have been recorded within &#8220;Minority interests &#8211; Accumulated other comprehensive income (loss)&#8221; (see Notes 30 and 31).</span></div><div style="margin-bottom:10pt;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 2024 was 118% (215% and 97% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 1,072.66 Argentine pesos per euro (892.81 and 188.51 in 2023 and 2022, 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: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%">The combined result derived from the application of the above criteria amounted to a loss of &#8364;36 million, of which &#8364;20 million is attributable to owners of the parent in 2024 (&#8364;10 million and &#8364;6 million attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;42 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2024 (&#8364;28 million in each of 2023 and 2022).</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%">During 2024, 2023 and 2022 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="f-1796-3">Accumulated inflation for the year 2024, as estimated by BBVA Research, was 69% (111% and 292% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 68.83 Venezuelan bolivars per euro (43.23 and 19.79 in 2023 and 2022, respectively).</ix:continuation> </span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_616"></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%">2.3</span><ix:continuation id="f-1761-66" continuedAt="f-1761-67"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Recent IFRS pronouncements </span></ix:continuation></div><ix:continuation id="f-1761-67" continuedAt="f-1761-68"><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%">Standards and interpretations that became effective in 2024</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_619"></div><ix:continuation id="f-1761-68" continuedAt="f-1761-69"><div style="margin-bottom:10pt;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 2024, various amendments to the IFRS standards or their interpretations or modifications (hereinafter &#8220;IFRIC&#8221; or "interpretation") became effective, among which the following should be highlighted:</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:130%">The IASB has issued an amendment to IFRS 16 that clarifies the requirements for sale-and-leaseback transactions. According to the new requirements, the seller-lessee shall determine &#8216;lease payments&#8217; or &#8216;revised lease payments&#8217; in such a way that the seller-lessee does not recognize any amount of the gain or loss that relates to the right of use retained by the seller-lessee. On the other hand, the new requirements do not prevent a seller-lessee from recognizing in its results any gain or loss related to the partial or total termination of a lease. The amendments became effective on January 1, 2024. The standard has not had any significant impact on the consolidated financial statements of the BBVA Group.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_622"></div><ix:continuation id="f-1761-69" continuedAt="f-1761-70"><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%">Standards and interpretations issued but not yet effective as of December 31, 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 following new IFRS standards and Interpretations or Modifications had been published at the date of preparation of the Consolidated Financial Statements, but were not mandatory as of December 31, 2024. The Group is currently evaluating the potential effects of each of these new standards or amendments. Although in some cases the IASB allows early adoption of new standards, interpretations and amendments before their effective date, the BBVA Group has not proceeded with this option for any such changes.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_625"></div><ix:continuation id="f-1761-70" continuedAt="f-1761-71"><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 IAS 21: "The Effects of Changes in Foreign 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%">On August 15, 2023, the IASB issued a series of amendments to IAS 21 - The effects of changes in foreign exchange rates. The standard has a double objective, on the one hand to provide guidance on when one currency is convertible into another and, on the other hand, how to determine the exchange rate to be used in accounting when it is concluded that such convertibility does not 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%">In relation to the first objective, one currency is convertible into another when an entity can obtain the other currency within a time frame that allows for a normal administrative delay; and through markets or exchange mechanisms in which an exchange transaction creates enforceable rights and obligations. If the entity determines that there is no convertibility between currencies, it must estimate an exchange rate. The standard does not establish a specific estimation technique for such exchange rates, but rather establishes guidelines for their determination, allowing the use of an observable type without adjusting or using an estimation technique.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1761-71" continuedAt="f-1761-72"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The modification to the standard will come into force on January 1, 2025. Early application is permitted, although the BBVA Group has not adopted it as of December 31, 2024.</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 18 "Presentation and Disclosures in 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 April 9, 2024, the IASB issued IFRS 18 "Presentation and Disclosures in Financial Statements" which introduces new requirements to improve the quality of information presented in financial statements and to promote analysis, transparency and comparability of companies' performance.</span></div><div style="margin-bottom:10pt;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, IFRS 18 introduces three predefined expense categories (operating, investing and financing) and two subtotals ("operating profit" and "profit before financing and income taxes") to provide a consistent structure in the income statement and facilitate the analysis of the income statement. Additionally, it introduces disclosure requirements for management-defined performance measures (MPM). Finally, it establishes requirements and provides guidance on aggregation/disaggregation of the information to be provided in the primary 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%">This new standard will come into force on January 1, 2027, with early application permitted once it is adopted by the European Union.</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 19 "Subsidiaries without Public Accountability: Disclosures" </span></div><div style="margin-bottom:10pt;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 9, 2024, the IASB issued IFRS 19 "Subsidiaries without Public Accountability: Disclosures" which allows certain eligible entities to elect to apply the reduced disclosure requirements of IFRS 19 while continuing to apply the requirements of recognition, valuation and presentation of other IFRS accounting standards. </span></div><div style="margin-bottom:10pt;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 new standard will enter into force on January 1, 2027, allowing early application once it is adopted by the European Union. </span></div><div style="margin-bottom:10pt;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 there are no eligible entities within the scope of this standard, so no significant impact on the BBVA Group's financial statements is expected.</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 IFRS 9 and IFRS 7: Amendments to the classification and measurement 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%">On May 30, 2024 the IASB issued amendments to IFRS 9 and IFRS 7 to clarify, among others, how to assess the contractual cash flow characteristics of financial assets that include contingent features such as the achievement of Environmental, Social and Governance targets. Additionally, they clarify that a financial liability should be derecognized on the 'settlement date' and introduce an accounting policy option to derecognize before that date financial liabilities that are settled using an electronic payment system. Finally, additional disclosures are required by IFRS 7 for financial instruments with contingent characteristics and equity instruments classified at fair value through other comprehensive 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%">The amendments will come into force on January 1, 2026, although they may be applied earlier once they have been adopted by the European Union. </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%">Annual improvements applied to its International Financial Reporting Standards (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%">The IASB has issued a number of minor amendments and improvements to various IFRSs to clarify their wording or correct minor consequences, oversights or conflicts between the requirements of the Standards. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Standards affected are: IFRS 1 "First-time adoption of International Financial Reporting Standards", IFRS 7 "Financial instruments, disclosures", IFRS 9 "Financial instruments", IFRS 10 "Consolidated financial statements" and IAS 7 "Statement of cash flows". </span></div><div style="margin-bottom:10pt;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 modifications will come into force on January 1, 2026, although a significant impact on the BBVA Group's financial statements is not expected.</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 IFRS 9 and IFRS 7: Contracts that refer to nature-dependent electricity</span></div><div style="margin-bottom:10pt;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 18, 2024, the IASB issued amendments to IFRS 9 and IFRS 7 to address the accounting for contracts for the purchase and sale of renewable electricity, called Power Purchase Agreements (PPA). The amendments include guidance on the &#8220;own use&#8221; exemption for purchasers of electricity and requirements to apply hedge accounting on these arrangements.</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="f-1761-72">The amendments will come into force on January 1, 2026, although it can be applied earlier once they have been adopted by the European Union.</ix:continuation> </span></div><div id="i22a2e436ff7c462c96898906283f922e_628"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfBBVAGroupTextBlock" id="f-1797" continuedAt="f-1797-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt">BBVA Group</span></ix:nonNumeric></div><ix:continuation id="f-1797-1" continuedAt="f-1797-2"><div style="margin-bottom:10pt;margin-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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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><ix:continuation id="f-1797-2" continuedAt="f-1797-3"><div style="margin-bottom:10pt;margin-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, 2024:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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="c-205" name="bbva:ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" id="f-1798" 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 information related to the Group&#8217;s total assets as of December 31, 2024, 2023 and 2022, 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%">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%">2023</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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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="c-206" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1799">733,860</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="c-207" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1800">737,971</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="c-208" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1801">678,809</ix:nonFraction></span></td></tr><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="c-209" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1802">34,439</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-210" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1803">34,520</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-211" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1804">30,066</ix:nonFraction></span></td></tr><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="c-212" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1805">4,103</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="c-213" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1806">3,068</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-214" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1807">3,217</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="c-13" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1808">772,402</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="c-20" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1809">775,558</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="c-21" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1810">712,092</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="fn-1" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</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%">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, Venezuela and Brazil, the latter focused on the CIB (Corporate &amp; Investment Banking) business. 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. See Note 2.1 and Appendix I.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 through branches, mainly the BBVA Bank's branches in Germany, Belgium, France, Italy, Portugal, the United Kingdom, and the Garanti BBVA Bank's branch in Malta. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 and the broker-dealer business BBVA Securities Inc. Additionally, in 2024, a representative office of Banco Bilbao Vizcaya Argentaria, S.A. was opened 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 id="i22a2e436ff7c462c96898906283f922e_631"></div><ix:continuation id="f-1797-3" continuedAt="f-1797-4"><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%">Significant transactions in the Group in </span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">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%">During the year 2024 no significant or relevant corporate operations have been completed, without prejudice to the announcement of the voluntary tender offer for the acquisition of all of the issued shares of Banco de Sabadell, S.A.  </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-1797-4" continuedAt="f-1797-5"><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%">Other relevant additional information 2024</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%">Announcement of the voluntary tender offer for the acquisition of all of the issued shares of Banco de Sabadell, S.A.</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;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 30, 2024, due to a media report, BBVA published an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) stating that it had informed the chairman of the Board of Directors of Banco de Sabadell, S.A. (the "Target Company") of the interest of BBVA&#8217;s Board of Directors in initiating negotiations to explore a possible merger between the two entities. On the same date, BBVA sent to the chairman of the Target Company the written proposal for the merger of the two entities. The content of the written proposal sent to the Board of Directors of the Target Company was published on May 1, 2024 by BBVA through the publication of an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) with the Spanish Securities and Exchange Commission (hereinafter &#8220;CNMV&#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%">On May 6, 2024, the Target Company published an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) informing of the rejection of the proposal by its 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%">Following such rejection, on May 9, 2024, BBVA announced, through the publication of an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) (the "Prior Announcement"), the decision to launch a voluntary tender offer (the "Exchange Offer") for the acquisition of all of the issued shares of the Target Company, being a total of 5,440,221,447 ordinary shares with a par value of &#8364;0.125 each (representing 100% of the Target Company&#8217;s share capital). The consideration initially offered by BBVA to the shareholders of the Target Company consisted of one (1) newly issued share of BBVA for each four and eighty-three hundredths (4.83) ordinary shares of the Target Company, subject to certain adjustments in the case of dividend distributions in accordance with what was indicated in the Prior Announcement.</span></div><div style="margin-bottom:10pt;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 Prior Announcement of the Exchange Offer and as a consequence of the interim dividend against the 2024 financial year results in the amount of &#8364;0.08 per share paid by the Target Company to its shareholders on October 1, 2024, BBVA proceeded to adjust the Exchange Offer consideration. Therefore, after applying the adjustment in the terms set forth in the Prior Announcement, the consideration offered by BBVA to the shareholders of the Target Company under the Exchange Offer was adjusted, as result of the dividend payment of the Target Company, to one (1) newly issued ordinary share of BBVA for each five point zero one nine six (5.0196) ordinary shares of the Target Company. </span></div><div style="margin-bottom:10pt;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 a result of the interim dividend against the 2024 financial year results in the amount of &#8364;0.29 per share paid by BBVA to its shareholders on October 10, 2024, BBVA proceeded to adjust again the Exchange Offer consideration. Therefore, also in accordance with the provisions of the Prior Announcement, the Exchange Offer consideration was adjusted to one (1) newly issued ordinary share of BBVA and &#8364;0.29 in cash for every five point zero one nine six (5.0196) ordinary shares of the Target Company.</span></div><div style="margin-bottom:10pt;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 the provisions of Royal Decree 1066/2007, of July 27, on the rules governing tender offers ("Royal Decree 1066/2007"), the Exchange Offer is subject to mandatory clearance by the CNMV (&#8220;CNMV Clearance&#8221;). Additionally, pursuant to the provisions of Law 10/2014 and Royal Decree 84/2015, the acquisition by BBVA of control of the Target Company resulting from the Exchange Offer is subject to the duty of prior notification to the Bank of Spain and the obtention of the non-opposition of the European Central Bank (a condition that was satisfied on September 5, 2024, 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%">In addition, completion of the Exchange Offer is also subject to the satisfaction of the conditions specified in the Prior Announcement, in particular (i) the acceptance of the Exchange Offer by a number of shares that allows BBVA to acquire at least more than half of the effective voting rights of the Target Company at the end of the Exchange Offer acceptance period (therefore excluding the treasury shares that the Target Company may hold at that time), as this condition was amended by BBVA in accordance with the publication of the inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) dated January 9, 2025, (ii) approval by BBVA&#8217;s General Shareholders&#8217; Meeting of the increase of BBVA&#8217;s share capital through the issue of new ordinary shares through non-cash contributions in an amount that is sufficient to cover the consideration in shares offered to the shareholders of the Target Company (which condition was satisfied on July 5, 2024, as described below), (iii) the express or tacit authorization of the economic concentration resulting from the Exchange Offer by the Spanish antitrust authorities, and (iv) the express or tacit authorization of the indirect acquisition of control of the Target Company&#8217;s banking subsidiary in the United Kingdom, TSB Bank PLC, by the United Kingdom Prudential Regulation Authority (&#8220;PRA&#8221;) (a condition that was satisfied on September 2, 2024, 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%">On July 5, 2024, the BBVA&#8217;s Extraordinary General Shareholders' Meeting resolved to authorize, with 96% votes in favor, an increase in the share capital of BBVA of up to a maximum nominal amount of &#8364;551,906,524.05 through the issuing and putting into circulation of up to 1,126,339,845 ordinary shares of &#8364;0.49 par value each to cover the consideration in shares offered to the shareholders of the Target Company (see Note 26).</span></div><div style="margin-bottom:10pt;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 September 3, 2024, BBVA announced, through the publication of an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiad</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a), that, on September 2, 2024, it received the authorization from the PRA for BBVA's indirect acquisition of control of TSB Bank PLC as a result of the Exchange Offer.</span></div><div style="margin-bottom:10pt;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 September 5, 2024, BBVA announced that it received the decision of non-opposition from the European Central Bank to BBVA's taking control of the Target Company, as a result of the Exchange Offer.</span></div><div style="margin-bottom:10pt;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 12, 2024, the Spanish antitrust authorities announced their decision that further review of the economic concentration resulting from the Exchange Offer would be required, extending antitrust review into a second phase.</span></div><div style="margin-bottom:10pt;margin-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 terms of the Exchange Offer will be set out in the Spanish prospectus (which was submitted together with the Exchange Offer request to the CNMV for their authorization on May 24, 2024 and will be published after obtaining CNMV Clearance) and the relevant U.S. offer to exchange/prospectus.</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:120%">Significant transactions in the Group in</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> 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%">During the year 2023 no significant corporate transactions were carried 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1797-5"><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%">Significant transactions in the Group in</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> 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:8pt;font-weight:700;line-height:130%">Investments</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%">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, 29.2% of the share capital of the Company (30.9% and 30.1% as of December 31, 2024 and 2023, respectively). 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:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;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">3</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">4</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 "Financial Reporting in Hyperinflationary Economies", see Note 2.2.18). 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 share in Garanti BBVA owned by BBVA as of December 31, 2024 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 2.2.18 to these Consolidated Financial Statements.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_634"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfShareholderRemunerationSystemTextBlock" id="f-1811" continuedAt="f-1811-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Shareholder remuneration system</span></ix:nonNumeric></div><ix:continuation id="f-1811-1" continuedAt="f-1811-2"><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 by means of Relevant Information, on November 18, 2021, the amendment of the Group's shareholder remuneration policy (announced on February 1, 2017 by means of Relevant Information), 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, all subject to the corresponding authorizations and approvals applicable at any given time.</span></div></ix:continuation><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:150pt"></div><div style="text-align:justify"><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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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 style="text-align:justify"><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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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;margin-top:10pt;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1811-2" continuedAt="f-1811-3"><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:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;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 Shareholders' 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 gross (&#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 gross (&#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 &#8211; Interim Dividends&#8221; of the consolidated balance sheet as of December 31, 2022.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_637"></div><ix:continuation id="f-1811-3" continuedAt="f-1811-4"><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%">Shareholder remuneration during financial year 2023</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%">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 2023 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 Shareholders&#180; Meeting of BBVA held on March 17, 2023, approved, under item 1.3 of the Agenda, a cash distribution against the 2022 results as a final dividend for the 2022 fiscal year, for an amount equal to &#8364;0.31 gross (&#8364;0.2511 net of withholding tax) per outstanding BBVA share entitled to participate in this distribution, which was paid on April 5, 2023. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;1,857 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, at its meeting held on September 27, 2023, resolved the payment of a cash interim dividend of &#8364;0.16 gross (&#8364;0.1296 net of withholding tax) per outstanding share on account of the 2023 dividend, to be paid on October 11, 2023. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;951 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:9pt;font-weight:700;line-height:133%">Shareholder remuneration during financial year 2024</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%">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 2024 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 Shareholders' Meeting of BBVA held on March 15, 2024, approved, under item 1.3 of the Agenda, a cash distribution against the 2023 results as a final dividend for the 2023 fiscal year, for an amount equal to &#8364;0.39 gross (&#8364;0.3159 net of withholding tax) per outstanding BBVA share entitled to participate in this distribution, which was paid on April 10, 2024. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;2,245 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">By means of an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) dated September 26, 2024, BBVA announced that the Board of Directors, had resolved the payment of a cash interim dividend of &#8364;0.29 gross (&#8364;0.2349 net of withholding tax) per each outstanding BBVA share entitled to participate in this distribution, to be paid on October 10, 2024. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;1,668 million. </span></div><ix:nonNumeric contextRef="c-1" name="bbva:AvailableAmountForInterimDividendPaymentsTableTextBlock" id="f-1812" 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, 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="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%">August 31, 2024</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="c-215" decimals="-6" name="bbva:ProfitOfBBVAAfterTheProvisionForIncomeTax" format="ixt:num-dot-decimal" scale="6" id="f-1813">6,854</ix:nonFraction></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%"><ix:nonFraction unitRef="eur" contextRef="c-215" decimals="-6" name="bbva:MaximumAmountDistributable" format="ixt:num-dot-decimal" scale="6" id="f-1814">6,854</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="c-215" decimals="-6" name="bbva:AmountOfProposedInterimDividend" format="ixt:num-dot-decimal" scale="6" id="f-1815">1,671</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="c-215" decimals="-6" name="bbva:BBVACashBalanceAvailableToTheDate" format="ixt:num-dot-decimal" scale="6" id="f-1816">33,530</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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1811-4" continuedAt="f-1811-5"><div style="margin-bottom:10pt;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 30, 2025, it was announced that a cash distribution in the amount of &#8364;0.41 gross per share to be paid presumably in April 2025 as the final dividend for the year 2024, and the execution of a share buyback program of BBVA for an amount of &#8364;993 million were planned to be proposed to the corresponding corporate bodies for consideration as ordinary remuneration to shareholders for 2024, subject to obtaining the corresponding regulatory authorizations and approval by the Board of Directors of the specific terms and conditions of the program, which will be communicated to the market prior to the start of its execution. Finally, on February 14, 2025 BBVA announced by means of an Inside Information filing with the CNMV, that the Board of Directors of BBVA has resolved to propose to the Annual General Shareholders&#8217; Meeting to be held on March 21, 2025 a cash distribution of &#8364;0.41 gross per share as a final dividend for 2024 to be paid on April 10, 2025.</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%">Share buyback program</span></div><div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Share buyback programs in 2021 and 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%">On October 26, 2021, BBVA obtained the pertinent authorization from the European Central Bank (hereinafter "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 Shareholders' 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 in compliance with Regulation (EU) no. 596/2014 of the European Parliament and the Council of April 16, 2014 on market abuse and Commission Delegated Regulation (EU) no. 2016/1052 of the Commission, of March 8, 2016 (the &#8220;Regulations&#8221;), 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 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 and which were held in treasury shares (see Notes 26, 27, 28 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 (unfinished as of 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%">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:10pt;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 and which were held in treasury shares (see Notes 26, 27, 28 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%">The Program Scheme was considered as an extraordinary shareholder distribution and was therefore not included in the scope of the shareholder remuneration policy described above.</span></div><div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Share buyback programs in 2023</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-1811-5"><div style="margin-bottom:10pt;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, BBVA announced, among others, that it planned to submit for the consideration of the corresponding BBVA governing bodies the execution of a &#8364;422 million share buyback 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. On March 17, 2023, after receiving the required authorization from the ECB, BBVA announced through an Inside Information notice the execution of a time-scheduled buyback program for the repurchase of own shares in accordance with the Regulations, aimed at reducing BBVA&#8217;s share capital by a maximum monetary amount of &#8364;422 million. The execution was carried out internally by BBVA, executing the trades through BBVA. By means of an Other Relevant Information notice dated April 21, 2023, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount of &#8364;422 million, having acquired 64,643,559 own shares, between March 20 and April 20, 2023, representing, approximately, 1.07% of BBVA's share capital as of said 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%">On June 2, 2023, BBVA notified through an Other Relevant Information notice a partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 17, 2023, under item 3 of the agenda through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;31,675,343.91 and the consequent redemption, charged to unrestricted reserves, of 64,643,559 own shares of &#8364;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program and which were held in treasury shares (see Notes 26, 27, 28 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 July 28, 2023, BBVA announced, by means of an Inside Information notice, its request to the ECB for the correspondent supervisory authorization in order to carry out a share buyback program of up to &#8364;1,000 million, subject to the authorization requested being granted, to the adoption of the corresponding corporate resolutions and to the communication of the specific terms and conditions of the share buyback program before its execution. This share buy-back program was considered as an extraordinary shareholder distribution. On October 2, 2023, after receiving the required authorization from the ECB, BBVA announced that it would implement a buyback program for the repurchase of own shares in accordance with the Regulations, aimed at reducing BBVA&#8217;s share capital by a maximum monetary amount of &#8364;1,000 million. The execution was carried out internally by BBVA, executing the trades through 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:130%">By means of an Other Relevant Information notice dated November 29, 2023, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount of &#8364;1,000 million, having acquired 127,532,625 own shares, between October 2 and November 29, 2023, representing, approximately, 2.14% of BBVA's share capital as of said later 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%">On December 19, 2023, BBVA notified through an Other Relevant Information notice the second partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 17, 2023, under item 3 of the agenda through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;62,490,986.25 and the consequent redemption, charged to unrestricted reserves, of 127,532,625 own shares of &#8364;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program and which were held in treasury shares (see Notes 26, 27, 28 and 29).</span></div><div style="text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">Share buyback program in 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%">On March 1, 2024, after receiving the required authorization from the ECB, BBVA announced by means of an Inside Information notice the execution of a time-scheduled buyback program for the repurchase of own shares, all in accordance with the Regulations, for a maximum monetary amount of &#8364;781 million. The execution was carried out externally by Citigroup Global Markets Europe AG.</span></div><div style="margin-bottom:10pt;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 an Other Relevant Information notice dated April 9, 2024, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount, having acquired a total of 74,654,915 own shares, between March 4 and April 9, 2024, representing, approximately, 1.28% of BBVA's share capital as of such 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:120%">On May 24, 2024, BBVA notified through an Other Relevant Information notice the partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 15, 2024, under item 3 of the Agenda, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;36,580,908.35 and the consequent redemption, charged to unrestricted reserves, of 74,654,915 own shares of &#8364;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program and which were held as treasury shares (see Notes 26, 27, 28 and 29).</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%">Proposal on allocation of earnings of BBVA, S.A.  for 2024 </span></div><ix:nonNumeric contextRef="c-1" name="bbva:AllocationOfEarningsTableTextBlock" id="f-1817" 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 included a breakdown of the distribution of the Bank&#180;s earnings for financial year 2024, which the Board of Directors will submit to the Annual General Shareholders' 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%">2024</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit (loss) of BBVA, S.A. for the year</span></div></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="c-13" decimals="-6" name="bbva:ProfitOrLossForTheYearAllocationOfEarnings" format="ixt:num-dot-decimal" scale="6" id="f-1818">10,235</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"/></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="c-13" decimals="-6" name="bbva:InterimDividendsApplicationOfResults" format="ixt:num-dot-decimal" scale="6" id="f-1819">1,671</ix:nonFraction></span></td></tr><tr><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="c-13" decimals="-6" name="ifrs-full:DividendPayables" format="ixt:num-dot-decimal" scale="6" id="f-1820">2,363</ix:nonFraction></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%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ReservesAcumulatedGains" format="ixt:num-dot-decimal" scale="6" id="f-1821">6,200</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-45</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_640"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfEarningsPerShareExplanatory" id="f-1822" continuedAt="f-1822-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Earnings per share</span></ix:nonNumeric></div><ix:continuation id="f-1822-1"><div style="margin-bottom:10pt;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="c-1" name="bbva:BasicAndDilutedEarningsPerShareTableTextBlock" id="f-1823" continuedAt="f-1823-1" 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="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%">2024</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%">2023</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#179;&#8318;</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: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%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1824">10,054</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="c-22" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1825">8,019</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="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1826">6,358</ix:nonFraction></span></td></tr><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 &#8317;&#185;&#8318;</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="c-1" decimals="-6" sign="-" name="bbva:AdjustmentAdditionalTier1Securities" scale="6" id="f-1827">388</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:AdjustmentAdditionalTier1Securities" scale="6" id="f-1828">345</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="bbva:AdjustmentAdditionalTier1Securities" scale="6" id="f-1829">313</ix:nonFraction>)</span></td></tr><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="c-1" decimals="-6" name="bbva:ProfitAdjusted" format="ixt:num-dot-decimal" scale="6" id="f-1830">9,666</ix:nonFraction></span></td><td colspan="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="c-22" decimals="-6" name="bbva:ProfitAdjusted" format="ixt:num-dot-decimal" scale="6" id="f-1831">7,675</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" name="bbva:ProfitAdjusted" format="ixt:num-dot-decimal" scale="6" id="f-1832">6,045</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-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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" format="ixt:num-dot-decimal" scale="6" id="f-1833">9,666</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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="c-22" decimals="-6" name="bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" format="ixt:num-dot-decimal" scale="6" id="f-1834">7,675</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" format="ixt:num-dot-decimal" scale="6" id="f-1835">6,045</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-style:italic;font-weight:400;line-height:120%">Profit (loss) from discontinued operations (net of non-controlling interests) (B)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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="c-1" decimals="-6" name="bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" format="ixt:fixed-zero" scale="6" id="f-1836">&#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-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" format="ixt:fixed-zero" scale="6" id="f-1837">&#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-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" format="ixt:fixed-zero" scale="6" id="f-1838">&#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%">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%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:WeightedAverageNumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-1839">5,793</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="c-22" decimals="-6" name="bbva:WeightedAverageNumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-1840">5,988</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="c-23" decimals="-6" name="bbva:WeightedAverageNumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-1841">6,424</ix:nonFraction></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%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:AverageTreasuryShares" scale="6" id="f-1842">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="c-22" decimals="-6" sign="-" name="bbva:AverageTreasuryShares" scale="6" id="f-1843">5</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="bbva:AverageTreasuryShares" scale="6" id="f-1844">9</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 &#8317;&#178;&#8318; </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="c-1" decimals="-6" sign="-" name="bbva:ShareBuybackProgram" scale="6" id="f-1845">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="c-22" decimals="-6" sign="-" name="bbva:ShareBuybackProgram" scale="6" id="f-1846">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="c-23" decimals="-6" sign="-" name="bbva:ShareBuybackProgram" scale="6" id="f-1847">225</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="c-1" decimals="-6" name="bbva:AdjustedNumberOfSharesBasicEarningsPerShareC" format="ixt:num-dot-decimal" scale="6" id="f-1848">5,769</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:AdjustedNumberOfSharesBasicEarningsPerShareC" format="ixt:num-dot-decimal" scale="6" id="f-1849">5,954</ix: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="c-23" decimals="-6" name="bbva:AdjustedNumberOfSharesBasicEarningsPerShareC" format="ixt:num-dot-decimal" scale="6" id="f-1850">6,189</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="c-1" decimals="-6" name="bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD" format="ixt:num-dot-decimal" scale="6" id="f-1851">5,769</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD" format="ixt:num-dot-decimal" scale="6" id="f-1852">5,954</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="c-23" decimals="-6" name="bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD" format="ixt:num-dot-decimal" scale="6" id="f-1853">6,189</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="c-1" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-1854">1.68</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="c-22" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-1855">1.29</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-1856">0.98</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="c-1" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1857">1.68</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="c-22" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1858">1.29</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="c-23" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1859">0.98</ix:nonFraction></span></td></tr><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="c-1" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1860">1.68</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-22" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1861">1.29</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="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1862">0.98</ix:nonFraction></span></td></tr><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="c-1" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-1863">&#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="c-22" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-1864">&#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="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-1865">&#8212;</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="c-1" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-1866">&#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="c-22" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-1867">&#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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" format="ixt:fixed-zero" scale="0" id="f-1868">&#8212;</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-2" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Remuneration in the year related to perpetual contingent convertible securities, recognized in equity (see Note 22.4).</span></div></ix:footnote><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="fn-3" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) For the calculation of earnings per share, the average number of shares in a year takes into account the redemptions made in such year related to the share buyback programs announced (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:6pt;font-weight:400;line-height:120%"><ix:footnote id="fn-4" footnoteRole="http://www.xbrl.org/2003/role/footnote"><ix:continuation id="f-1823-1">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</ix:continuation></ix:footnote>.</span></div><div style="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:115%">As of December 31, 2024, 2023 and 2022, 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-46</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_643"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:nonNumeric contextRef="c-205" name="ifrs-full:DisclosureOfOperatingSegmentsExplanatory" id="f-1869" continuedAt="f-1869-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Operating segment reporting </span></ix:nonNumeric></div><ix:continuation id="f-1869-1" continuedAt="f-1869-2"><div style="margin-bottom:10pt;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 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's Management 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, 2024, the structure of the information by operating segments and the Corporate Center reported by the BBVA Group remains the same as that as of the closing of the 2023 financial 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 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 includes mainly the banking, insurance and asset management businesses that the Group carries out in 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 includes the banking, insurance and asset management businesses 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 includes the banking, finance, insurance and asset management businesses 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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:10pt;margin-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 for the consolidated BBVA Group, 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.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:TotalGroupAssetsByOperatingSegmentsTableTextBlock" id="f-1870" 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 and the Corporate Center as of December 31, 2024, 2023 and 2022 is as follows:</span></div><div style="margin-bottom: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 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%">2024</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%">2023 &#8317;&#185;&#8318;</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; &#8317;&#178;&#8318;</span></div></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="c-216" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1871">417,752</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="c-217" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1872">457,573</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="c-218" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1873">427,049</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="c-219" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1874">168,470</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="c-220" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1875">173,489</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="c-221" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1876">142,557</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="c-222" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1877">82,782</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="c-223" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1878">68,329</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="c-224" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1879">66,036</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="c-225" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1880">73,997</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="c-226" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1881">64,779</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="c-227" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1882">61,951</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="c-228" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1883">66,534</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="c-229" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1884">64,274</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="c-230" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1885">49,952</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="c-231" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1886">809,536</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="c-232" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1887">828,445</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="c-233" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1888">747,545</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></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="c-234" decimals="-6" sign="-" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1889">37,134</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="c-235" decimals="-6" sign="-" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1890">52,886</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="c-236" decimals="-6" sign="-" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1891">35,453</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="c-13" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1892">772,402</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1893">775,558</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-1894">712,092</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-5" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the years 2023 and 2022 were </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">revised, which has not affected t</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">he consolidated financial information of the Group.</span></div></ix:footnote><ix:footnote id="fn-6" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Restated balances according to IFRS 17 - Insurance contracts, which had no material impacts as of that date (see &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 &#8211; Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8221;).</span></div></ix:footnote></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:MainMarginsAndProfitByOperatingSegmentsTableTextBlock" id="f-1895" continuedAt="f-1895-1" 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 certain summarized information relating to results of each operating segment and Corporate Center for the years ended December 31, 2024, 2023 and 2022:</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1895-1" continuedAt="f-1895-2"><ix:continuation id="f-1869-2" continuedAt="f-1869-3"><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 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="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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="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%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1896">25,267</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="c-237" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1897">6,435</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="c-238" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1898">11,556</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="c-239" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1899">1,492</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="c-240" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1900">5,589</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="c-241" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-1901">741</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="c-242" decimals="-6" sign="-" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-1902">546</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="c-1" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1903">35,481</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-237" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1904">9,490</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-238" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1905">15,337</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-239" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1906">4,212</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-240" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1907">5,405</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-241" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1908">1,458</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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-242" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-1909">421</ix:nonFraction>)</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%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1910">15,405</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-237" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1911">5,309</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-238" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1912">7,522</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="c-239" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1913">1,741</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="c-240" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1914">1,342</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="c-241" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-1915">634</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-242" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1916">1,142</ix:nonFraction>)</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"><div style="margin-bottom:0.1pt"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Attributable profit (loss)</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="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1917">10,054</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="c-237" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1918">3,784</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-238" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1919">5,447</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-239" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1920">611</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-240" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1921">635</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-241" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1922">500</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-242" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1923">924</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023 &#8317;&#178;&#8318;</span></div></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%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1924">23,089</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-243" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1925">5,620</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-244" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1926">11,054</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-245" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1927">1,869</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-246" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1928">4,394</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-247" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-1929">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="c-248" decimals="-6" sign="-" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-1930">386</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="c-22" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1931">29,542</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="c-243" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1932">7,888</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-244" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1933">14,267</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-245" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1934">2,981</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-246" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1935">4,331</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-247" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1936">1,103</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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-248" decimals="-6" sign="-" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1937">1,029</ix:nonFraction>)</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%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1938">12,419</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-243" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1939">3,897</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-244" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1940">7,329</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-245" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1941">1,324</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="c-246" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1942">1,189</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="c-247" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-1943">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="c-248" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1944">1,809</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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 profit (loss) </span></div></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1945">8,019</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-243" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1946">2,720</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-244" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1947">5,319</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-245" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1948">527</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-246" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1949">601</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-247" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1950">396</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-248" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1951">1,544</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#178;&#8318; &#8317;&#179;&#8318; </span></div></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/></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%">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="c-23" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1952">19,124</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-249" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1953">3,774</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-250" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1954">8,378</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-251" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1955">2,611</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-252" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-1956">4,138</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-253" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-1957">332</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-254" decimals="-6" sign="-" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-1958">109</ix:nonFraction>)</span></td></tr><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%">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="c-23" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1959">24,743</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="c-249" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1960">6,112</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="c-250" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1961">10,734</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-251" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1962">3,172</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-252" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-1963">4,265</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="c-253" decimals="-6" name="ifrs-full:GrossProfit" scale="6" id="f-1964">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="c-254" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-1965">329</ix:nonFraction>)</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%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1966">10,268</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-249" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1967">2,610</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-250" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1968">5,620</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-251" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1969">1,636</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-252" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1970">1,434</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-253" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-1971">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="c-254" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1972">1,309</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><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Attributable profit (loss) </span></div></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1973">6,358</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-249" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1974">1,667</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-250" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1975">4,131</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-251" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1976">505</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-252" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1977">738</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-253" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1978">240</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-254" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-1979">922</ix:nonFraction>)</span></td></tr></table><ix:footnote id="fn-7" 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%">(1) Adjustments include the impact of the purchase of offices in Spain in 2022 in the transaction with Merlin Properties (see Note 17).</span></ix:footnote></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="fn-8" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the year 2023 have been revised, which has not affected the consolidated financial information of the Group. </ix:footnote> </span></div></ix:continuation></ix:continuation><ix:footnote id="fn-9" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><ix:continuation id="f-1895-2" continuedAt="f-1895-3"><ix:continuation id="f-1869-3" continuedAt="f-1869-4"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Restated according to IFRS 17 - Insurance contracts, which had no material impacts for such period (see </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 Insurance contracts</span></ix:continuation></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:continuation id="f-1895-3"><ix:continuation id="f-1869-4">&#8221;).</ix:continuation></ix:continuation> </span></div></ix:footnote><div id="i22a2e436ff7c462c96898906283f922e_646"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfRiskManagementTextBlock" id="f-1980" continuedAt="f-1980-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Risk management</span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_649"></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><ix:continuation id="f-1980-1" continuedAt="f-1980-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Risk factors </span></ix:continuation></div><ix:continuation id="f-1980-2" continuedAt="f-1980-3"><div style="margin-bottom:10pt;margin-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, measures are taken to seek 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="i22a2e436ff7c462c96898906283f922e_652"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:18pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">&#8211;</span><ix:continuation id="f-1980-3" continuedAt="f-1980-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt">Macroeconomic and geopolitical risks</span></ix:continuation></div><ix:continuation id="f-1980-4" continuedAt="f-1980-5"><div style="margin-bottom:10pt;margin-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, the alteration of the institutional environment of the countries in which it operates, and the Group is exposed to sovereign debt especially in Spain, Mexico and 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 global economy is currently facing a number of extraordinary challenges. The war between Ukraine and Russia and the armed conflicts in the Middle East have caused significant disruptions, instability and volatility in global markets, particularly in energy markets. Uncertainty about the future development of these conflicts is high. The main risk is that they could generate new supply shocks, pushing growth downward and inflation upward, and paving the way for macroeconomic and financial instability episodes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Geopolitical and economic risks have also increased in recent years as a result of trade tensions between the United States and China, Brexit, and the rise of populism, among other factors. Growing tensions and the rise of populism may lead, among other things, to a deglobalization of the world economy, an increase in protectionism, a general reduction of international trade and a reduction in the integration of financial 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 policies to be adopted by the new United States government, from January 20, 2025, are an additional source of uncertainty for the global economy. Some of the measures recently advocated by the incoming administration, such as the adoption of higher import tariffs and tighter immigration controls, may increase inflationary pressures and weaken economic growth. Fiscal, regulatory, industrial, foreign and other policies could also generate financial and macroeconomic volatility.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-1980-5" continuedAt="f-1980-6"><div style="margin-bottom:10pt;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 context, one of the main risks is that inflation remains high, either due to new supply shocks, related for example to the previously mentioned geopolitical and political risks or climate events, or due to demand factors, caused by an excessively expansionary fiscal policy, the robustness of labor markets, or other factors. Significant inflationary pressures could lead to interest rates remaining higher than currently forecasted, which could negatively affect the macroeconomic environment and financial 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%">Another macroeconomic risk is the possibility of a sharp global growth slowdown. In a context marked by uncertainty and still elevated interest rates, labor markets and aggregate demand could weaken more significantly than expected. Moreover, despite increasing economic stimulus measures, growth in China could slow sharply, with a potentially negative impact on many geographical areas, due to tensions in real estate markets and economic sanctions imposed by the United States, among other 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%">Furthermore, there is a growing risk of tensions in sovereign debt markets, given the high levels of public debt in many developed and emerging countries, the relatively high interest rates, and expectations of slower economic growth.</span></div><div style="margin-bottom:10pt;margin-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 exposed, among others, to the following general risks with respect to the economic and institutional environment in the countries 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 shocks such as, for example, an increase in oil and gas prices to very high levels, which would 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 exchange rates; an unfavorable evolution of the real estate market; changes in the institutional environment of the countries in which the Group operates, which 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; 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 such debt; the impact of the upcoming policies of the new U.S. administration, about which there is significant uncertainty; and episodes of volatility in the financial markets, which could cause significant losses for the Group. The Group&#8217;s results of operations have been particularly affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, contributing to the rise in both interest revenue and interest expenses. The persistence of interest rates at relatively high levels or any increase in interest rates in the future could adversely affect the Group by reducing the demand for credit and leading to an increase in the default rate of its borrowers and other counterparties. Moreover, the Group&#8217;s results of operations have been affected by inflation in all countries in which BBVA operates, especially Turkey 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%">In particular, in Spain, political, regulatory and economic uncertainty has also increased since the July 2023 general elections; there is a risk that policies could have an adverse impact on the economy or the Group. There is also a risk that the impact on financial conditions of political tensions in other European countries could to some extent affect Spain. In Mexico, there is high uncertainty on the impact of the recently approved constitutional reforms, as well as on the policies that will be adopted by the new local government and by the new U.S. administration (in particular, if protective measures adopted by the United States become more aggressive or persist over time, which could adversely impact the country's economic growth). In Turkey, there are increasing signs of normalization in economic policy in general, and monetary policy in particular, since the general elections held in May 2023, which may lead to a gradual correction of the current distortions. Despite the gradual improvement of macroeconomic conditions, the situation remains relatively unstable, characterized by pressures on the Turkish lira, high inflation, a significant trade deficit, low central bank&#8217;s foreign reserves and high external financing costs. There is also uncertainty about the impact of the geopolitical context in the Middle East on Turkey. In particular, recent regime changes in Syria create opportunities, such as a potential increase in exports and lower migratory pressures, but also risks, which could cause greater volatility of Turkish financial assets, among other possible effects. Continuing unfavorable economic conditions in Turkey may result in a potential deterioration in the purchasing power and creditworthiness of the clients of the Group (both individuals and corporations). In addition, official interest rates, the regulatory and macroprudential policies affecting the banking sector and the currency depreciation have affected and may continue to affect the Group&#8217;s results. In Argentina, the risk of economic and financial turbulence persists in a context in which the government has substantially modified the economic policy framework and has focused its efforts on implementing strong fiscal and monetary adjustments to reduce inflation. Finally, in Colombia and Peru, climate factors, political tensions and greater social conflict could eventually have a negative impact on the 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%">Any of these factors may have a significant adverse impact on the Group&#8217;s business, financial condition and results of operations.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_658"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:18pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">&#8211;</span><ix:continuation id="f-1980-6" continuedAt="f-1980-7"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt">Regulatory and reputational risks</span></ix:continuation></div><ix:continuation id="f-1980-7" continuedAt="f-1980-8"><div style="margin-bottom:10pt;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 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 (see "Environmental, social and governance (&#8220;ESG&#8221;) risks may adversely impact the Group"). 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="i22a2e436ff7c462c96898906283f922e_661"></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:18pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">&#8211;</span><ix:continuation id="f-1980-8" continuedAt="f-1980-9"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt">New business, operational and legal risks</span></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-9" continuedAt="f-1980-10"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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%">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. 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%">There are also claims before the Spanish courts challenging the validity of certain revolving credit card agreements. Rulings in these types of proceedings, whether against the Bank or other financial institutions, could negatively 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%">Additionally, in relation to the ESG area, factors that may affect these new business, operational and legal risks have been identified (see "Environmental, social and governance ("ESG") risks may 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, 2024, the Group had &#8364;<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="f-1981">791</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;610 million correspond to legal contingencies and &#8364;181 million to tax related matters. However, the uncertainty arising from these proceedings (including those for which no provisions have been made, either because the probability of an unfavorable outcome for the Group is estimated to be remote, or because it is not possible to estimate them or for other reasons) makes it impossible to guarantee that the possible losses arising from the resolution of 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 which may otherwise affect the Group, whether 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 Centro Exclusivo de Negocios y Transacciones, S.L. (&#8220;Cenyt&#8221;). Such investigation includes the provision of services by Cenyt to BBVA. On July 29, 2019, BBVA was named as an investigated party (investigado) 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. 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. Since the beginning of the investigation, BBVA has been 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.</span></div><div style="margin-bottom:10pt;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 order of the Criminal Chamber of the National High Court, the pre-trial phase ended on January 29, 2024. On June 20, 2024, the Judge issued an order authorizing the continuation of abbreviated criminal proceedings</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> against the Bank and certain current and former officers and employees of the Bank, as well as against some former directors, for alleged facts which could constitute bribery and revelation of secrets.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> It is not possible at this time to predict the possible outcomes or implications for the Group of this matter, including any fines, damages or harm to the Group&#8217;s reputation caused thereby.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-50</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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;padding-left:18pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">&#8211;</span><ix:continuation id="f-1980-10" continuedAt="f-1980-11"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt">Environmental, social and governance (ESG) risks may adversely impact the Group</span></ix:continuation></div><ix:continuation id="f-1980-11" continuedAt="f-1980-12"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">ESG factors present risks associated with (i) climate change, including physical risks and transition risks (linked, among others, to changes in regulations, technologies, and market preferences associated with the transition to a less carbon-dependent economy); (ii) other environmental factors, such as biodiversity loss, water stress and other nature-related factors; (iii) social factors, such as human rights, inclusion, diversity and workplace safety; and (iv) corporate governance matters, such as the governance of environmental and social risks. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">ESG risks include short, medium and long-term risks that may adversely affect the Group and its customers or counterparties. Such risks are expected to increase and/or evolve 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%">Among others, they include the following: </span></div><div style="margin-bottom: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%">&#8211; Physical risks. The activities of the Group or those of its customers or counterparties could be adversely affected by the physical risks (including acute and chronic) arising from climate change or other environmental challenges. For example, extreme weather events may damage or destroy properties and other assets of the Group or those of its customers or counterparties, make the insurance against certain risks more expensive or unfeasible, 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 granted as collateral to the Group. The Group is also exposed to potential long-term physical risks arising from climate change and other environmental challenges, such as any ensuing deterioration in economic conditions that results in credit-related costs, or potential impacts on the Group&#8217;s assets and operations. The Group could also be required to change its business models in response to the foregoing.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; Legal and regulatory risks. Legal and regulatory changes related to how banks are required to manage climate and other ESG risks or otherwise affecting banking practices or disclosure of information may result in higher compliance, operational and credit risks and costs. The Group&#8217;s customers and counterparties may be exposed to similar risks. Further, legal and regulatory changes may result in legal uncertainty and the existence of overlapping or conflicting regulatory or other requirements. They may also give rise to regulatory asymmetries whereby some persons, including the Group and its customers and counterparties, are more heavily regulated than others, placing such persons at a disadvantage. The Group or its customers or counterparties may be unable to meet any new requirements on a timely basis or at all, including new product and service specifications, governance frameworks and practices and disclosure requirements and standards. In addition, in the case of banks, new regulation could include requirements related to lending, investing, capital and liquidity adequacy and operational resilience. The incorporation of ESG risks in the existing prudential framework is still developing and may result in increased risk weighting of certain assets. Moreover, there are significant risks and uncertainties inherent in the development of adequate risk assessment and modelling capabilities with respect to ESG-related matters and the collection of customer, third party and 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, any of which could adversely affect the Group&#8217;s disclosure and financial reporting. Further, increased regulation arising from climate change and other ESG-related challenges could result in increased litigation by different stakeholders (including non-governmental organizations (NGOs)) and regulatory investigations and actions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; Technological risks. 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 and costs associated with new low-carbon technologies. If the Group&#8217;s 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:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; Market risks. The Group and certain of the Group&#8217;s customers and counterparties may be adversely affected by changes in market preferences due to, among others, increased ESG awareness. Further, the funding costs of businesses that are perceived to be more exposed to climate change or to other ESG-related risks could increase. Any of this could result in the reduced creditworthiness of such customers and counterparties, adversely affecting the Group&#8217;s relevant loan portfolios. The Group and its customers and counterparties could also be adversely affected by changes in prices resulting from shifts in demand or supply brought by climate change or other ESG-related factors, including prices of energy and raw materials, or by their inability to foresee or hedge any such 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%">&#8211; Reputational risks. The perception of climate change and other ESG-related challenges as a risk by society, shareholders, customers, governments and other stakeholders (including NGOs) continues to increase, including in relation to the financial sector&#8217;s activities. This may result in increased scrutiny of the Group&#8217;s activities, as well as its ESG-related policies, goals, disclosures or communications. The Group&#8217;s reputation and ability to attract or retain customers may be harmed if its efforts to reduce ESG-related risks are deemed to be insufficient or if a perception is generated among the different stakeholders that the Group&#8217;s statements, actions or disclosure do not fairly reflect the underlying sustainability profile of the Group, its products, services, goals and/or policies. At the same time, the Group may refrain from undertaking lending or investing activities or other services that would otherwise have been profitable in order to fulfill its obligations or avoid reputational harm. Further, divergent views on ESG policies may also have a negative impact on the Group&#8217;s reputation. Increased scrutiny of the Group&#8217;s activities, as well as its ESG-related policies, goals and disclosure may result in litigation and investigations and supervisory actions (including potential greenwashing claims). The Group has disclosed certain aspirational ESG-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 regulation and policy, the pace of technological change and innovation and the actions of governments and the Group&#8217;s customers and competitors. Potential greenwashing claims arising from ESG-related statements, disclosure and/or actions of the Group may also give rise to reputational risks.</span></div><div style="margin-bottom:10pt;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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-51</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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:10pt;font-weight:700;line-height:120%">7.2</span><ix:continuation id="f-1980-12" continuedAt="f-1980-13"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Credit risk</span></ix:continuation></div><ix:continuation id="f-1980-13" continuedAt="f-1980-14"><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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, credit risk is affected by climate change risk, mainly through physical and transition risks that may impact the payment capacity of counterparties and the valuation of the collateral used and, therefore, expected credit losses (see "Environmental, social and governance (&#8220;ESG&#8221;) risks may adversely impact 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 2024, the Group has begun incorporating climate risk factors into the process of calculating expected credit losses for loan portfolios through statistical models that consider both potential damage to collateral and the effect on customers' ability to pay due to physical and transition risks in the Group's main geographies (Spain, Mexico and Turkey). In particular, transition risk has been assessed using an approach that allows capturing its effect on the probability of default (PD) and the impact on customers' provisions in Stage 2 as well as a transfer of exposures from Stage 1 to Stage 2 for corporate portfolios. For physical risk, an approach has been used that would allow estimating the potential deterioration in the value of collateral (real estate assets in corporate and retail portfolios) and its effect on LGD. As of December 31, 2024, the impact recorded for these risks was not significant. The Group will continue working to incorporate in these models the information available from time to time. </span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_670"></div><ix:continuation id="f-1980-14" continuedAt="f-1980-15"><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%">Support measures</span></div><div style="margin-bottom:10pt;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 previous years, the Group reported information on the support measures that it provided to its customers under various legislative and sectorial initiatives. These measures included, in particular, those related to the COVID-19 pandemic, which affected several countries and geographical areas where the Group operates. In Spain, it included measures adopted under Royal Decree-Law 6/2022, to alleviate liquidity tensions due to the increases in energy prices and raw materials. These measures have not had any significant impact on the consolidated financial statements of the BBVA Group as of and for the year ended December 31, 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%">In addition, in Spain, the Code of Good Practices regulated by Royal Decree-Law 6/2012, as well as its subsequent amendments, establishes a code of good practices to alleviate the impact of the rise in interest rates on mortgage loans for primary residences, adopting other structural measures to improve the loan market. Up to the date of preparation of these Consolidated Financial Statements, the number and amount of operations granted to clients in compliance with this Code of Good Practices remain reduced.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-1980-15" continuedAt="f-1980-16"><div style="margin-bottom:10pt;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 2024, these support measures implemented in Spain were supplemented by those introduced by Royal Decree-Law 6/2024, which adopted urgent measures to address the damage caused by the torrential rains and floods - Isolated Depression in High Levels - (DANA) in various Spanish municipalities between October 28 and November 4, 2024, especially in the Valencian Community. These measures include the granting of state-guaranteed financing and payment deferrals for borrowers meeting specific requirements. The BBVA Group is facilitating the channelling of this financing through the so-called "DANA Guarantee Line" and granting payment deferrals in accordance with the provisions of Royal Decree-Law 6/2024. These measures have not had any significant impact on the consolidated financial statements of the BBVA Group as of and for the year ended December 31, 2024.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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%">7.2.1</span><ix:continuation id="f-1980-16" continuedAt="f-1980-17"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Measurement of Expected Credit Loss</span></ix:continuation></div><ix:continuation id="f-1980-17" continuedAt="f-1980-18"><div style="margin-bottom:10pt;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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-18" continuedAt="f-1980-19"><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><div style="margin-bottom:10pt;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="margin-bottom:10pt;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 this, the Group undertakes 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-19" continuedAt="f-1980-20"><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 a sound and 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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 geographical areas, 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-20" continuedAt="f-1980-21"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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><div style="margin-bottom:10pt;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 130% to 250% for the relative threshold and from 30 to 100 basis points for the absolute threshold. Specifically, in BBVA, S.A.'s wholesale portfolio the relative threshold is from 180% to 200% and the absolute threshold ranges from 30 to 100 basis points; in the retail portfolio the relative threshold is 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 80 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 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%">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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-21" continuedAt="f-1980-22"><div style="margin-bottom:10pt;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%">BBVA Research produces 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 (Internal Capital Adequacy Assessment Process) and Risk Appetite Framework, stress testing, etc.</span></div><div style="margin-bottom:10pt;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, BBVA Research produces 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="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The forward-looking information incorporated in the calculation of expected losses is in line with the macroeconomic perspectives published by BBVA Research, which are quarterly updated. </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-22" continuedAt="f-1980-23"><ix:nonNumeric contextRef="c-1" name="bbva:PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" id="f-1982" continuedAt="f-1982-1" 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 (positive base and negative scenarios) of the GDP growth, unemployment rate and House Price Index (HPI), for the most relevant countries where they represent a significant factor, provided by BBVA Research, were used for the calculation of the ECL as of December 31, 2024:</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:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.850%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"><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 geographical areas</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</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="c-255" decimals="4" name="bbva:GDP" scale="-2" id="f-1983">3.13</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="c-255" decimals="4" name="bbva:Unemployment" scale="-2" id="f-1984">10.97</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="c-255" decimals="4" name="bbva:HPI" scale="-2" id="f-1985">3.01</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="c-256" decimals="4" name="bbva:GDP" scale="-2" id="f-1986">1.25</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="c-256" decimals="4" name="bbva:Unemployment" scale="-2" id="f-1987">2.75</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="c-256" decimals="4" name="bbva:HPI" scale="-2" id="f-1988">4.57</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="c-257" decimals="4" name="bbva:GDP" scale="-2" id="f-1989">3.25</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="c-257" decimals="4" name="bbva:Unemployment" scale="-2" id="f-1990">8.79</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="c-258" decimals="4" name="bbva:GDP" scale="-2" id="f-1991">3.48</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="c-258" decimals="4" name="bbva:Unemployment" scale="-2" id="f-1992">8.78</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="c-258" decimals="4" name="bbva:HPI" scale="-2" id="f-1993">5.55</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-259" decimals="4" name="bbva:GDP" scale="-2" id="f-1994">2.48</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="c-259" decimals="4" name="bbva:Unemployment" scale="-2" id="f-1995">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="c-259" decimals="4" name="bbva:HPI" scale="-2" id="f-1996">4.85</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="c-260" decimals="4" name="bbva:GDP" scale="-2" id="f-1997">5.97</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="c-260" decimals="4" name="bbva:Unemployment" scale="-2" id="f-1998">9.89</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="c-261" decimals="4" name="bbva:GDP" scale="-2" id="f-1999">5.02</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="c-261" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2000">8.17</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="c-261" decimals="4" name="bbva:HPI" scale="-2" id="f-2001">6.98</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="c-262" decimals="4" name="bbva:GDP" scale="-2" id="f-2002">3.87</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="c-262" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2003">3.03</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="c-262" decimals="4" name="bbva:HPI" scale="-2" id="f-2004">4.38</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="c-263" decimals="4" name="bbva:GDP" scale="-2" id="f-2005">8.35</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="c-263" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2006">9.27</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%">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="c-264" decimals="4" name="bbva:GDP" scale="-2" id="f-2007">6.65</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-264" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2008">7.64</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="c-264" decimals="4" name="bbva:HPI" scale="-2" id="f-2009">7.96</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="c-265" decimals="4" name="bbva:GDP" scale="-2" id="f-2010">3.54</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="c-265" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2011">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="c-265" decimals="4" name="bbva:HPI" scale="-2" id="f-2012">4.82</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-266" decimals="4" name="bbva:GDP" scale="-2" id="f-2013">6.76</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-266" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2014">8.80</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-267" decimals="4" name="bbva:GDP" scale="-2" id="f-2015">7.05</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="c-267" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2016">7.21</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="c-267" decimals="4" name="bbva:HPI" scale="-2" id="f-2017">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="c-268" decimals="4" name="bbva:GDP" scale="-2" id="f-2018">3.58</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="c-268" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2019">2.77</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="c-268" decimals="4" name="bbva:HPI" scale="-2" id="f-2020">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="c-269" decimals="4" name="bbva:GDP" scale="-2" id="f-2021">5.88</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="c-269" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2022">8.81</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-270" decimals="4" name="bbva:GDP" scale="-2" id="f-2023">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="c-270" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2024">6.96</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="c-270" decimals="4" name="bbva:HPI" scale="-2" id="f-2025">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="c-271" decimals="4" name="bbva:GDP" scale="-2" id="f-2026">3.52</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="c-271" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2027">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="c-271" decimals="4" name="bbva:HPI" scale="-2" id="f-2028">5.46</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-272" decimals="4" name="bbva:GDP" scale="-2" id="f-2029">5.51</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-272" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2030">8.96</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 style="width:6.450%"/><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:14.308%"/><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:14.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.310%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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:#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%">2024</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="c-273" decimals="4" name="bbva:GDP" scale="-2" id="f-2031">3.12</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="c-273" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2032">6.59</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="c-274" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2033">3.66</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="c-274" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2034">10.37</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="c-275" decimals="4" name="bbva:GDP" scale="-2" id="f-2035">2.16</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="c-275" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2036">10.20</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%">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="c-276" decimals="4" name="bbva:GDP" scale="-2" id="f-2037">3.45</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="c-276" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2038">6.55</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-277" decimals="4" name="bbva:GDP" scale="-2" id="f-2039">7.37</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="c-277" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2040">8.67</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="c-278" decimals="4" name="bbva:GDP" scale="-2" id="f-2041">4.09</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-278" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2042">10.07</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="c-279" decimals="4" name="bbva:GDP" scale="-2" id="f-2043">4.15</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="c-279" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2044">6.44</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="c-280" decimals="4" name="bbva:GDP" scale="-2" id="f-2045">8.83</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="c-280" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2046">7.13</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="c-281" decimals="4" name="bbva:GDP" scale="-2" id="f-2047">4.68</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="c-281" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2048">9.72</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="c-282" decimals="4" name="bbva:GDP" scale="-2" id="f-2049">4.12</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="c-282" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2050">6.31</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="c-283" decimals="4" name="bbva:GDP" scale="-2" id="f-2051">8.54</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="c-283" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2052">5.92</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-284" decimals="4" name="bbva:GDP" scale="-2" id="f-2053">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="c-284" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2054">9.11</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-285" decimals="4" name="bbva:GDP" scale="-2" id="f-2055">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="c-285" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2056">6.20</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="c-286" decimals="4" name="bbva:GDP" scale="-2" id="f-2057">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="c-286" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2058">5.05</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="c-287" decimals="4" name="bbva:GDP" scale="-2" id="f-2059">4.21</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="c-287" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2060">8.55</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-288" decimals="4" name="bbva:GDP" scale="-2" id="f-2061">3.57</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="c-288" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2062">6.12</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="c-289" decimals="4" name="bbva:GDP" scale="-2" id="f-2063">8.44</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="c-289" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2064">4.50</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="c-290" decimals="4" name="bbva:GDP" scale="-2" id="f-2065">4.22</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="c-290" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2066">7.95</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" id="f-2067" continuedAt="f-2067-1" 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 style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.850%"/><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%">Base scenario of GDP, unemployment rate and HPI for the main geographical areas</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</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="c-291" decimals="4" name="bbva:GDP" scale="-2" id="f-2068">3.09</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="c-291" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2069">11.43</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="c-291" decimals="4" name="bbva:HPI" scale="-2" id="f-2070">2.99</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="c-292" decimals="4" name="bbva:GDP" scale="-2" id="f-2071">1.24</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="c-292" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2072">2.75</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="c-292" decimals="4" name="bbva:HPI" scale="-2" id="f-2073">4.57</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="c-293" decimals="4" name="bbva:GDP" scale="-2" id="f-2074">3.18</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="c-293" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2075">8.80</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%">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="c-294" decimals="4" name="bbva:GDP" scale="-2" id="f-2076">2.29</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="c-294" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2077">10.75</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="c-294" decimals="4" name="bbva:HPI" scale="-2" id="f-2078">4.32</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="c-295" decimals="4" name="bbva:GDP" scale="-2" id="f-2079">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="c-295" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2080">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="c-295" decimals="4" name="bbva:HPI" scale="-2" id="f-2081">4.85</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="c-296" decimals="4" name="bbva:GDP" scale="-2" id="f-2082">2.48</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="c-296" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2083">10.46</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%">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="c-297" decimals="4" name="bbva:GDP" scale="-2" id="f-2084">1.69</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="c-297" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2085">10.35</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="c-297" decimals="4" name="bbva:HPI" scale="-2" id="f-2086">2.99</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="c-298" decimals="4" name="bbva:GDP" scale="-2" id="f-2087">1.64</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="c-298" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2088">3.25</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="c-298" decimals="4" name="bbva:HPI" scale="-2" id="f-2089">4.21</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="c-299" decimals="4" name="bbva:GDP" scale="-2" id="f-2090">4.52</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="c-299" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2091">10.73</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%">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="c-300" decimals="4" name="bbva:GDP" scale="-2" id="f-2092">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="c-300" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2093">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="c-300" decimals="4" name="bbva:HPI" scale="-2" id="f-2094">2.24</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="c-301" decimals="4" name="bbva:GDP" scale="-2" id="f-2095">1.70</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="c-301" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2096">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="c-301" decimals="4" name="bbva:HPI" scale="-2" id="f-2097">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="c-302" decimals="4" name="bbva:GDP" scale="-2" id="f-2098">4.18</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="c-302" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2099">10.58</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-303" decimals="4" name="bbva:GDP" scale="-2" id="f-2100">1.80</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="c-303" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2101">9.55</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="c-303" decimals="4" name="bbva:HPI" scale="-2" id="f-2102">1.61</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="c-304" decimals="4" name="bbva:GDP" scale="-2" id="f-2103">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="c-304" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2104">3.08</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="c-304" decimals="4" name="bbva:HPI" scale="-2" id="f-2105">4.36</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="c-305" decimals="4" name="bbva:GDP" scale="-2" id="f-2106">4.11</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="c-305" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2107">10.52</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-306" decimals="4" name="bbva:GDP" scale="-2" id="f-2108">1.80</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="c-306" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2109">9.25</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="c-306" decimals="4" name="bbva:HPI" scale="-2" id="f-2110">1.41</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="c-307" decimals="4" name="bbva:GDP" scale="-2" id="f-2111">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="c-307" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2112">3.04</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="c-307" decimals="4" name="bbva:HPI" scale="-2" id="f-2113">4.55</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="c-308" decimals="4" name="bbva:GDP" scale="-2" id="f-2114">4.01</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="c-308" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2115">10.51</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 style="width:7.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.131%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2024</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="c-309" decimals="4" name="bbva:GDP" scale="-2" id="f-2116">3.10</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="c-309" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2117">6.59</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="c-310" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2118">3.76</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="c-310" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2119">10.38</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="c-311" decimals="4" name="bbva:GDP" scale="-2" id="f-2120">1.96</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="c-311" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2121">10.20</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%">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="c-312" decimals="4" name="bbva:GDP" scale="-2" id="f-2122">2.67</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="c-312" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2123">6.59</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="c-313" decimals="4" name="bbva:GDP" scale="-2" id="f-2124">5.48</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="c-313" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2125">8.80</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="c-314" decimals="4" name="bbva:GDP" scale="-2" id="f-2126">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="c-314" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2127">10.34</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%">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="c-315" decimals="4" name="bbva:GDP" scale="-2" id="f-2128">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="c-315" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2129">6.57</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="c-316" decimals="4" name="bbva:GDP" scale="-2" id="f-2130">4.47</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-316" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2131">7.55</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-317" decimals="4" name="bbva:GDP" scale="-2" id="f-2132">3.19</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="c-317" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2133">10.26</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="c-318" decimals="4" name="bbva:GDP" scale="-2" id="f-2134">2.75</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="c-318" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2135">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="c-319" decimals="4" name="bbva:GDP" scale="-2" id="f-2136">3.48</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="c-319" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2137">6.58</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="c-320" decimals="4" name="bbva:GDP" scale="-2" id="f-2138">2.92</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-320" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2139">9.81</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-321" decimals="4" name="bbva:GDP" scale="-2" id="f-2140">2.45</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="c-321" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2141">6.47</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-322" decimals="4" name="bbva:GDP" scale="-2" id="f-2142">3.54</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="c-322" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2143">5.85</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="c-323" decimals="4" name="bbva:GDP" scale="-2" id="f-2144">2.96</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="c-323" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2145">9.36</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-324" decimals="4" name="bbva:GDP" scale="-2" id="f-2146">2.41</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-324" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2147">6.42</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="c-325" decimals="4" name="bbva:GDP" scale="-2" id="f-2148">3.48</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="c-325" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2149">5.35</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="c-326" decimals="4" name="bbva:GDP" scale="-2" id="f-2150">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="c-326" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2151">8.86</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-23" continuedAt="f-1980-24"><ix:nonNumeric contextRef="c-1" name="bbva:NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" id="f-2152" continuedAt="f-2152-1" 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 style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.767%"/><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: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 geographical areas</span></td></tr><tr style="height:12pt"><td colspan="27" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2024</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="c-327" decimals="4" name="bbva:GDP" scale="-2" id="f-2153">3.05</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="c-327" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2154">11.88</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="c-327" decimals="4" name="bbva:HPI" scale="-2" id="f-2155">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="c-328" decimals="4" name="bbva:GDP" scale="-2" id="f-2156">1.20</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="c-328" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2157">2.75</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="c-328" decimals="4" name="bbva:HPI" scale="-2" id="f-2158">4.56</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="c-329" decimals="4" name="bbva:GDP" scale="-2" id="f-2159">3.13</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="c-329" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2160">8.80</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="c-330" decimals="4" name="bbva:GDP" scale="-2" id="f-2161">1.18</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="c-330" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2162">12.71</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="c-330" decimals="4" name="bbva:HPI" scale="-2" id="f-2163">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="c-331" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2164">0.16</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-331" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2165">3.20</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="c-331" decimals="4" name="bbva:HPI" scale="-2" id="f-2166">4.86</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="c-332" decimals="4" name="bbva:GDP" scale="-2" id="f-2167">0.41</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-332" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2168">10.79</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="c-333" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2169">1.30</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="c-333" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2170">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="c-333" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="f-2171">0.53</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="c-334" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2172">0.20</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="c-334" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2173">3.43</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-334" decimals="4" name="bbva:HPI" scale="-2" id="f-2174">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="c-335" decimals="4" name="bbva:GDP" scale="-2" id="f-2175">1.59</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="c-335" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2176">11.71</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%">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="c-336" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2177">2.50</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="c-336" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2178">12.24</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="c-336" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="f-2179">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="c-337" decimals="4" name="bbva:GDP" scale="-2" id="f-2180">0.14</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="c-337" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2181">3.41</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-337" decimals="4" name="bbva:HPI" scale="-2" id="f-2182">3.76</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-338" decimals="4" name="bbva:GDP" scale="-2" id="f-2183">2.37</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="c-338" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2184">11.83</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-339" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2185">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="c-339" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2186">11.88</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="c-339" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="f-2187">3.87</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="c-340" decimals="4" name="bbva:GDP" scale="-2" id="f-2188">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="c-340" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2189">3.34</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-340" decimals="4" name="bbva:HPI" scale="-2" id="f-2190">3.72</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="c-341" decimals="4" name="bbva:GDP" scale="-2" id="f-2191">3.21</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="c-341" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2192">11.67</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-342" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2193">2.86</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="c-342" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2194">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="c-342" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="f-2195">3.55</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-343" decimals="4" name="bbva:GDP" scale="-2" id="f-2196">0.42</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="c-343" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2197">3.32</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-343" decimals="4" name="bbva:HPI" scale="-2" id="f-2198">3.79</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="c-344" decimals="4" name="bbva:GDP" scale="-2" id="f-2199">3.18</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="c-344" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2200">11.47</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 style="width:7.737%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.093%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.093%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.093%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.093%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.093%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.098%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</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="c-345" decimals="4" name="bbva:GDP" scale="-2" id="f-2201">2.92</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="c-345" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2202">6.60</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="c-346" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2203">3.93</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="c-346" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2204">10.38</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="c-347" decimals="4" name="bbva:GDP" scale="-2" id="f-2205">1.77</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="c-347" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2206">10.21</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%">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="c-348" decimals="4" name="bbva:GDP" scale="-2" id="f-2207">0.56</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="c-348" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2208">6.73</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="c-349" decimals="4" name="bbva:GDP" scale="-2" id="f-2209">2.46</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-349" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2210">9.02</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="c-350" decimals="4" name="bbva:GDP" scale="-2" id="f-2211">0.30</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="c-350" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2212">10.68</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="c-351" decimals="4" name="bbva:GDP" scale="-2" id="f-2213">0.43</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-351" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2214">6.85</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="c-352" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2215">0.60</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="c-352" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2216">8.10</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="c-353" decimals="4" name="bbva:GDP" scale="-2" id="f-2217">0.93</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="c-353" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2218">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%">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="c-354" decimals="4" name="bbva:GDP" scale="-2" id="f-2219">0.63</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-354" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2220">6.90</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="c-355" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2221">1.79</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="c-355" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2222">7.35</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="c-356" decimals="4" name="bbva:GDP" scale="-2" id="f-2223">1.16</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-356" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2224">10.81</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-357" decimals="4" name="bbva:GDP" scale="-2" id="f-2225">0.46</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-357" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2226">6.93</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="c-358" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2227">1.53</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="c-358" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2228">6.73</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="c-359" decimals="4" name="bbva:GDP" scale="-2" id="f-2229">1.36</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="c-359" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2230">10.49</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-360" decimals="4" name="bbva:GDP" scale="-2" id="f-2231">0.51</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-360" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2232">6.95</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="c-361" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2233">1.41</ix:nonFraction>) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-361" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2234">6.25</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-362" decimals="4" name="bbva:GDP" scale="-2" id="f-2235">1.44</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="c-362" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2236">10.09</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric><ix:continuation id="f-1982-1"><div style="margin-bottom:10pt;margin-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, 2023, 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 style="width:6.153%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.247%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"><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 geographical areas</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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:#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;text-align:center;text-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 #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: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="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="c-363" decimals="4" name="bbva:GDP" scale="-2" id="f-2237">2.52</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="c-363" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2238">11.84</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="c-363" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="f-2239">1.61</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="c-364" decimals="4" name="bbva:GDP" scale="-2" id="f-2240">3.62</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="c-364" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2241">2.80</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="c-364" decimals="4" name="bbva:HPI" scale="-2" id="f-2242">5.44</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="c-365" decimals="4" name="bbva:GDP" scale="-2" id="f-2243">5.54</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="c-365" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2244">9.31</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="c-366" decimals="4" name="bbva:GDP" scale="-2" id="f-2245">2.12</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="c-366" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2246">10.32</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-366" decimals="4" name="bbva:HPI" scale="-2" id="f-2247">0.89</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="c-367" decimals="4" name="bbva:GDP" scale="-2" id="f-2248">3.79</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="c-367" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2249">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="c-367" decimals="4" name="bbva:HPI" scale="-2" id="f-2250">4.98</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="c-368" decimals="4" name="bbva:GDP" scale="-2" id="f-2251">7.11</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="c-368" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2252">8.82</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="c-369" decimals="4" name="bbva:GDP" scale="-2" id="f-2253">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="c-369" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2254">9.58</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="c-369" decimals="4" name="bbva:HPI" scale="-2" id="f-2255">2.96</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="c-370" decimals="4" name="bbva:GDP" scale="-2" id="f-2256">2.68</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="c-370" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2257">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="c-370" decimals="4" name="bbva:HPI" scale="-2" id="f-2258">4.41</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-371" decimals="4" name="bbva:GDP" scale="-2" id="f-2259">4.33</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="c-371" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2260">9.86</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="c-372" decimals="4" name="bbva:GDP" scale="-2" id="f-2261">2.55</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-372" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2262">8.81</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="c-372" decimals="4" name="bbva:HPI" scale="-2" id="f-2263">2.11</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="c-373" decimals="4" name="bbva:GDP" scale="-2" id="f-2264">2.67</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="c-373" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2265">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="c-373" decimals="4" name="bbva:HPI" scale="-2" id="f-2266">4.14</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="c-374" decimals="4" name="bbva:GDP" scale="-2" id="f-2267">3.92</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-374" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2268">10.68</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="c-375" decimals="4" name="bbva:GDP" scale="-2" id="f-2269">2.34</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-375" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2270">8.22</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="c-375" decimals="4" name="bbva:HPI" scale="-2" id="f-2271">2.14</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="c-376" decimals="4" name="bbva:GDP" scale="-2" id="f-2272">2.76</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-376" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2273">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="c-376" decimals="4" name="bbva:HPI" scale="-2" id="f-2274">4.20</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="c-377" decimals="4" name="bbva:GDP" scale="-2" id="f-2275">3.58</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="c-377" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2276">10.95</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-378" decimals="4" name="bbva:GDP" scale="-2" id="f-2277">2.13</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="c-378" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2278">7.67</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="c-378" decimals="4" name="bbva:HPI" scale="-2" id="f-2279">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="c-379" decimals="4" name="bbva:GDP" scale="-2" id="f-2280">2.85</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="c-379" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2281">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="c-379" decimals="4" name="bbva:HPI" scale="-2" id="f-2282">5.09</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-380" decimals="4" name="bbva:GDP" scale="-2" id="f-2283">3.58</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="c-380" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2284">11.01</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 style="width:7.374%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.156%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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;text-align:center;text-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%">2023</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="c-381" decimals="4" name="bbva:GDP" scale="-2" id="f-2285">0.33</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="c-381" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2286">6.85</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="c-382" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2287">1.82</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="c-382" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2288">8.05</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="c-383" decimals="4" name="bbva:GDP" scale="-2" id="f-2289">1.59</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="c-383" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2290">10.06</ix:nonFraction> %</span></td></tr><tr><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="c-384" decimals="4" name="bbva:GDP" scale="-2" id="f-2291">4.57</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="number" contextRef="c-384" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2292">6.63</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-385" decimals="4" name="bbva:GDP" scale="-2" id="f-2293">0.42</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-385" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2294">9.46</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="c-386" decimals="4" name="bbva:GDP" scale="-2" id="f-2295">2.80</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="c-386" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2296">10.99</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%">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="c-387" decimals="4" name="bbva:GDP" scale="-2" id="f-2297">4.22</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="c-387" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2298">6.54</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="c-388" decimals="4" name="bbva:GDP" scale="-2" id="f-2299">6.93</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="c-388" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2300">9.23</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="c-389" decimals="4" name="bbva:GDP" scale="-2" id="f-2301">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="c-389" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2302">11.27</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: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="c-390" decimals="4" name="bbva:GDP" scale="-2" id="f-2303">2.88</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="c-390" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2304">6.35</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="c-391" decimals="4" name="bbva:GDP" scale="-2" id="f-2305">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="c-391" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2306">8.34</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="c-392" decimals="4" name="bbva:GDP" scale="-2" id="f-2307">3.03</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="c-392" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2308">11.03</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%">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="c-393" decimals="4" name="bbva:GDP" scale="-2" id="f-2309">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="c-393" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2310">6.32</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="c-394" decimals="4" name="bbva:GDP" scale="-2" id="f-2311">2.11</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="c-394" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2312">7.23</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="c-395" decimals="4" name="bbva:GDP" scale="-2" id="f-2313">3.24</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="c-395" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2314">10.35</ix:nonFraction> %</span></td></tr><tr><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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-396" decimals="4" name="bbva:GDP" scale="-2" id="f-2315">2.51</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="c-396" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2316">6.28</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="c-397" decimals="4" name="bbva:GDP" scale="-2" id="f-2317">2.13</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="c-397" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2318">6.11</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="c-398" decimals="4" name="bbva:GDP" scale="-2" id="f-2319">3.42</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-398" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2320">9.90</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-24" continuedAt="f-1980-25"><ix:continuation id="f-2067-1"><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:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.767%"/><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%">Base scenario of GDP, unemployment rate and HPI for the main geographical areas</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2023</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="c-399" decimals="4" name="bbva:GDP" scale="-2" id="f-2321">2.36</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="c-399" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2322">12.13</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="c-399" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="f-2323">1.93</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="c-400" decimals="4" name="bbva:GDP" scale="-2" id="f-2324">3.40</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="c-400" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2325">2.82</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="c-400" decimals="4" name="bbva:HPI" scale="-2" id="f-2326">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="c-401" decimals="4" name="bbva:GDP" scale="-2" id="f-2327">4.46</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="c-401" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2328">9.63</ix:nonFraction> %</span></td></tr><tr><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="c-402" decimals="4" name="bbva:GDP" scale="-2" id="f-2329">1.48</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="c-402" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2330">11.80</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="c-402" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="f-2331">0.92</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="c-403" decimals="4" name="bbva:GDP" scale="-2" id="f-2332">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="c-403" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2333">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="c-403" decimals="4" name="bbva:HPI" scale="-2" id="f-2334">4.90</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="c-404" decimals="4" name="bbva:GDP" scale="-2" id="f-2335">3.50</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="c-404" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2336">10.28</ix:nonFraction> %</span></td></tr><tr><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="c-405" decimals="4" name="bbva:GDP" scale="-2" id="f-2337">2.47</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="c-405" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2338">11.20</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="c-405" decimals="4" name="bbva:HPI" scale="-2" id="f-2339">1.94</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="c-406" decimals="4" name="bbva:GDP" scale="-2" id="f-2340">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="c-406" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2341">3.25</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="c-406" decimals="4" name="bbva:HPI" scale="-2" id="f-2342">4.24</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="c-407" decimals="4" name="bbva:GDP" scale="-2" id="f-2343">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="c-407" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2344">10.85</ix:nonFraction> %</span></td></tr><tr><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="c-408" decimals="4" name="bbva:GDP" scale="-2" id="f-2345">2.53</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="c-408" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2346">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="c-408" decimals="4" name="bbva:HPI" scale="-2" id="f-2347">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="c-409" decimals="4" name="bbva:GDP" scale="-2" id="f-2348">2.60</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="c-409" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2349">3.18</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="c-409" decimals="4" name="bbva:HPI" scale="-2" id="f-2350">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="c-410" decimals="4" name="bbva:GDP" scale="-2" id="f-2351">3.79</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="c-410" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2352">11.05</ix:nonFraction> %</span></td></tr><tr><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="c-411" decimals="4" name="bbva:GDP" scale="-2" id="f-2353">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="c-411" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2354">9.63</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-411" decimals="4" name="bbva:HPI" scale="-2" id="f-2355">1.69</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="c-412" decimals="4" name="bbva:GDP" scale="-2" id="f-2356">2.74</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="c-412" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2357">3.11</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="c-412" decimals="4" name="bbva:HPI" scale="-2" id="f-2358">4.18</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="c-413" decimals="4" name="bbva:GDP" scale="-2" id="f-2359">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="c-413" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2360">11.15</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-414" decimals="4" name="bbva:GDP" scale="-2" id="f-2361">2.13</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="c-414" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2362">8.98</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="c-414" decimals="4" name="bbva:HPI" scale="-2" id="f-2363">1.43</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="c-415" decimals="4" name="bbva:GDP" scale="-2" id="f-2364">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="c-415" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2365">2.99</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="c-415" decimals="4" name="bbva:HPI" scale="-2" id="f-2366">5.07</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="c-416" decimals="4" name="bbva:GDP" scale="-2" id="f-2367">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="c-416" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2368">11.20</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 style="width:8.667%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.938%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.938%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.938%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.938%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.938%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.943%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2023</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="c-417" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2369">0.36</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="c-417" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2370">6.88</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="c-418" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2371">3.01</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="c-418" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2372">8.28</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="c-419" decimals="4" name="bbva:GDP" scale="-2" id="f-2373">1.24</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="c-419" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2374">10.11</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%">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="c-420" decimals="4" name="bbva:GDP" scale="-2" id="f-2375">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="c-420" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2376">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="c-421" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2377">4.04</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="c-421" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2378">10.48</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="c-422" decimals="4" name="bbva:GDP" scale="-2" id="f-2379">1.47</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="c-422" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2380">11.25</ix:nonFraction> %</span></td></tr><tr><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="c-423" decimals="4" name="bbva:GDP" scale="-2" id="f-2381">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="c-423" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2382">6.77</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="c-424" decimals="4" name="bbva:GDP" scale="-2" id="f-2383">5.95</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="c-424" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2384">10.15</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="c-425" decimals="4" name="bbva:GDP" scale="-2" id="f-2385">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="c-425" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2386">11.56</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: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="c-426" decimals="4" name="bbva:GDP" scale="-2" id="f-2387">2.88</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="c-426" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2388">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="c-427" decimals="4" name="bbva:GDP" scale="-2" id="f-2389">3.03</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="c-427" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2390">8.95</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="c-428" decimals="4" name="bbva:GDP" scale="-2" id="f-2391">3.03</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="c-428" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2392">11.32</ix:nonFraction> %</span></td></tr><tr><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="c-429" decimals="4" name="bbva:GDP" scale="-2" id="f-2393">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="c-429" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2394">6.50</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="c-430" decimals="4" name="bbva:GDP" scale="-2" id="f-2395">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="c-430" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2396">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="c-431" decimals="4" name="bbva:GDP" scale="-2" id="f-2397">3.24</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="c-431" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2398">10.60</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-432" decimals="4" name="bbva:GDP" scale="-2" id="f-2399">2.51</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="c-432" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2400">6.46</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="c-433" decimals="4" name="bbva:GDP" scale="-2" id="f-2401">2.00</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="c-433" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2402">6.60</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="c-434" decimals="4" name="bbva:GDP" scale="-2" id="f-2403">3.42</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-434" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2404">10.09</ix:nonFraction> %</span></td></tr></table></div></ix:continuation><ix:continuation id="f-2152-1"><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 style="width:6.153%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.782%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.782%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.788%"/><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%">Negative scenario of GDP, unemployment rate and HPI for the main geographical areas</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2023</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="c-435" decimals="4" name="bbva:GDP" scale="-2" id="f-2405">2.21</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="c-435" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2406">12.40</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="c-435" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="f-2407">2.28</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="c-436" decimals="4" name="bbva:GDP" scale="-2" id="f-2408">3.20</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="c-436" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2409">2.85</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="c-436" decimals="4" name="bbva:HPI" scale="-2" id="f-2410">5.49</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="c-437" decimals="4" name="bbva:GDP" scale="-2" id="f-2411">3.37</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="c-437" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2412">9.94</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%">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="c-438" decimals="4" name="bbva:GDP" scale="-2" id="f-2413">0.86</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="c-438" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2414">13.23</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="c-438" decimals="4" sign="-" name="bbva:HPI" scale="-2" id="f-2415">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="c-439" decimals="4" name="bbva:GDP" scale="-2" id="f-2416">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="c-439" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2417">3.45</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="c-439" decimals="4" name="bbva:HPI" scale="-2" id="f-2418">4.73</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="c-440" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2419">0.33</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="c-440" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2420">11.73</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%">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="c-441" decimals="4" name="bbva:GDP" scale="-2" id="f-2421">2.25</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="c-441" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2422">12.77</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="c-441" decimals="4" name="bbva:HPI" scale="-2" id="f-2423">1.00</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="c-442" decimals="4" name="bbva:GDP" scale="-2" id="f-2424">2.13</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="c-442" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2425">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="c-442" decimals="4" name="bbva:HPI" scale="-2" id="f-2426">4.03</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="c-443" decimals="4" name="bbva:GDP" scale="-2" id="f-2427">2.58</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="c-443" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2428">11.92</ix:nonFraction> %</span></td></tr><tr><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="c-444" decimals="4" name="bbva:GDP" scale="-2" id="f-2429">2.48</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="c-444" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2430">11.98</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="c-444" decimals="4" name="bbva:HPI" scale="-2" id="f-2431">1.22</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="c-445" decimals="4" name="bbva:GDP" scale="-2" id="f-2432">2.53</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="c-445" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2433">3.33</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="c-445" decimals="4" name="bbva:HPI" scale="-2" id="f-2434">4.00</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="c-446" decimals="4" name="bbva:GDP" scale="-2" id="f-2435">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="c-446" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2436">11.43</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%">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="c-447" decimals="4" name="bbva:GDP" scale="-2" id="f-2437">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="c-447" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2438">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="c-447" decimals="4" name="bbva:HPI" scale="-2" id="f-2439">0.93</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="c-448" decimals="4" name="bbva:GDP" scale="-2" id="f-2440">2.70</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="c-448" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2441">3.25</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="c-448" decimals="4" name="bbva:HPI" scale="-2" id="f-2442">4.18</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="c-449" decimals="4" name="bbva:GDP" scale="-2" id="f-2443">3.39</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="c-449" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2444">11.32</ix:nonFraction> %</span></td></tr><tr><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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-450" decimals="4" name="bbva:GDP" scale="-2" id="f-2445">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="c-450" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2446">10.57</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="number" contextRef="c-450" decimals="4" name="bbva:HPI" scale="-2" id="f-2447">0.67</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="c-451" decimals="4" name="bbva:GDP" scale="-2" id="f-2448">2.79</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="c-451" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2449">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="c-451" decimals="4" name="bbva:HPI" scale="-2" id="f-2450">5.07</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="c-452" decimals="4" name="bbva:GDP" scale="-2" id="f-2451">3.39</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="c-452" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2452">11.36</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 style="width:7.374%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.156%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2023</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="c-453" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2453">1.04</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="c-453" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2454">6.91</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="c-454" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2455">4.16</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="c-454" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2456">8.49</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="c-455" decimals="4" name="bbva:GDP" scale="-2" id="f-2457">0.87</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="c-455" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2458">10.15</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%">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="c-456" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2459">0.60</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="c-456" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2460">7.03</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="c-457" decimals="4" sign="-" name="bbva:GDP" scale="-2" id="f-2461">8.75</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="c-457" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2462">11.46</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="c-458" decimals="4" name="bbva:GDP" scale="-2" id="f-2463">0.15</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="c-458" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2464">11.51</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%">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="c-459" decimals="4" name="bbva:GDP" scale="-2" id="f-2465">2.73</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="c-459" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2466">7.02</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="c-460" decimals="4" name="bbva:GDP" scale="-2" id="f-2467">4.77</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="c-460" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2468">11.04</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="c-461" decimals="4" name="bbva:GDP" scale="-2" id="f-2469">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="c-461" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2470">11.84</ix:nonFraction> %</span></td></tr><tr><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="c-462" decimals="4" name="bbva:GDP" scale="-2" id="f-2471">2.88</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="c-462" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2472">6.77</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="c-463" decimals="4" name="bbva:GDP" scale="-2" id="f-2473">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="c-463" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2474">9.54</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="c-464" decimals="4" name="bbva:GDP" scale="-2" id="f-2475">3.03</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="c-464" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2476">11.59</ix:nonFraction> %</span></td></tr><tr><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="c-465" decimals="4" name="bbva:GDP" scale="-2" id="f-2477">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="c-465" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2478">6.71</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="c-466" decimals="4" name="bbva:GDP" scale="-2" id="f-2479">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="c-466" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2480">8.17</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="c-467" decimals="4" name="bbva:GDP" scale="-2" id="f-2481">3.24</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="c-467" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2482">10.90</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-468" decimals="4" name="bbva:GDP" scale="-2" id="f-2483">2.51</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="c-468" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2484">6.66</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="c-469" decimals="4" name="bbva:GDP" scale="-2" id="f-2485">1.85</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="c-469" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2486">7.08</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="c-470" decimals="4" name="bbva:GDP" scale="-2" id="f-2487">3.42</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-470" decimals="4" name="bbva:Unemployment" scale="-2" id="f-2488">10.29</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-25" continuedAt="f-1980-26"><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="c-1" name="bbva:ExpectedLossVariationAsOfDecemberTableTextBlock" id="f-2489" 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 style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.054%"/><td style="width:0.1%"/></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, 2024</span></td></tr><tr style="height:12pt"><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"/><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:0 1pt;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: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 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"/></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: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%">Total Portfolio</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:5pt;font-weight:700;line-height:120%">Retail</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:5pt;font-weight:700;line-height:120%">Companies</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:5pt;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;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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-471" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2490">153</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-472" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2491">135</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-473" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2492">17</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-474" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2493">1</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-475" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2494">28</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-476" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2495">8</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-477" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2496">20</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-478" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2497">74</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-479" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2498">2</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-480" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2499">72</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-481" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2500">32</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-482" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2501">5</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-483" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2502">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:6pt;font-weight:400;line-height:120%">+100 bps</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-471" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2503">170</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-472" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2504">145</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-473" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2505">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-474" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2506">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-475" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2507">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-476" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2508">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-477" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2509">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-478" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2510">92</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-479" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2511">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-480" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2512">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-481" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2513">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-482" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2514">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-483" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2515">21</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 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"/><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="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 colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-477" decimals="4" name="bbva:HousingPrice100Bp" scale="-4" id="f-2516">28</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/></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 colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-477" decimals="4" sign="-" name="bbva:HousingPriceOver100Bp" scale="-4" id="f-2517">27</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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 style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.054%"/><td style="width:0.1%"/></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, 2023</span></td></tr><tr style="height:12pt"><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"/><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:0 1pt;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: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: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%">Total Portfolio</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:5pt;font-weight:700;line-height:120%">Retail</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:5pt;font-weight:700;line-height:120%">Companies</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:5pt;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;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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-484" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2518">222</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-485" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2519">188</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-486" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2520">28</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-487" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2521">2</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-488" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2522">61</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-489" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2523">14</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-490" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2524">47</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-491" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2525">94</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-492" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2526">2</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-493" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2527">92</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-494" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2528">22</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-495" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2529">9</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-496" decimals="4" name="bbva:GDP100Bp" scale="-4" id="f-2530">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-484" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2531">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-485" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2532">165</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-486" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2533">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-487" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2534">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-488" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2535">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-489" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2536">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-490" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2537">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-491" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2538">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-492" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2539">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-493" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2540">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-494" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2541">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-495" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2542">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-496" decimals="4" sign="-" name="bbva:GDPOver100Bp" scale="-4" id="f-2543">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 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"/><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="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 colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-490" decimals="4" name="bbva:HousingPrice100Bp" scale="-4" id="f-2544">32</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"/></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 colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="number" contextRef="c-490" decimals="4" sign="-" name="bbva:HousingPriceOver100Bp" scale="-4" id="f-2545">32</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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 such 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, including the relevant Global Risk Management Committee (among the GRMC 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%">As of December 31, 2023, &#8364;227 million were recorded as adjustments in Spain due to the review of the Loss Given Default (LGD) of certain specific operations considered unlikely to pay mainly related to the mortgage portfolio, and &#8364;25 million in adjustments were recorded at a contract level in Turkey, due to the reclassification to Stage 2 of the credit exposure recorded in the five cities most affected by the February 2023 earthquake.</span></div><div style="margin-bottom:10pt;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, 2024, adjustments totaled &#8364;33 million at a Group level, and were the result of (i) new adjustments recorded in Spain as result of the damage caused by the torrential rains and floods - Isolated Depression at High Levels (DANA) - in different Spanish municipalities between October 28 and November 4, 2024; (ii) the elimination of the adjustments related to Spain referred to in the preceding paragraph, given that the criteria for making such adjustments was incorporated as part of the Group&#180;s models for estimating expected loss, following the annual exercise of parameter recalibration for estimating expected loss; and (iii) the elimination of the adjustments related to Turkey referred to in the preceding paragraph due to the evolution of payment behavior of borrowers in the affected area.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-61</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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%">7.2.2</span><ix:continuation id="f-1980-26" continuedAt="f-1980-27"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Credit risk exposure</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:MaximumCreditRiskExposureTableTextBlock" id="f-2546" continuedAt="f-2546-1" escape="true"><ix:continuation id="f-1980-27" continuedAt="f-1980-28"><div style="margin-bottom:10pt;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 credit risk exposure by headings in the consolidated balance sheets as of December 31, 2024, 2023 and 2022 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 category of financial instruments:</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 style="width:51.904%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.300%"/><td style="width:0.1%"/></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 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 2024</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 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="c-497" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2547">72,945</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/></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="c-498" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2548">6,760</ix:nonFraction></span></td><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: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="c-499" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2549">27,955</ix:nonFraction></span></td><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: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="c-500" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2550">38,230</ix:nonFraction></span></td><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:#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 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="c-501" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2551">10,546</ix:nonFraction></span></td><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="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="c-502" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2552">9,782</ix:nonFraction></span></td><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: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="c-503" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2553">407</ix:nonFraction></span></td><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: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="c-504" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2554">358</ix:nonFraction></span></td><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:#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="c-505" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2555">836</ix:nonFraction></span></td><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="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 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="c-506" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2556">53,229</ix:nonFraction></span></td><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="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 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="c-507" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2557">59,115</ix:nonFraction></span></td><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="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="c-508" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2558">1,451</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;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:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-509" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2559">57,639</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-510" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2560">55,315</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-511" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2561">2,309</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-512" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2562">16</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-513" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2563">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="c-514" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2564">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="c-515" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2565">&#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="c-516" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2566">&#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 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="c-517" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2567">514,086</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="c-518" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2568">467,910</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="c-519" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2569">31,930</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-520" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2570">14,246</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 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="c-521" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2571">59,070</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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-522" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2572">58,887</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="c-523" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2573">149</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="c-524" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2574">34</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-525" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2575">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-526" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2576">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-527" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2577">&#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="c-528" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2578">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-529" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2579">22,668</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-530" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2580">22,658</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-531" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2581">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="c-532" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2582">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:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-533" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2583">424,087</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-534" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2584">378,104</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-535" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2585">31,772</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-536" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2586">14,211</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 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="c-537" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2587">710,757</ix:nonFraction></span></td><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="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 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="c-538" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2588">262,233</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="c-539" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2589">253,291</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="c-540" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2590">8,150</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="c-541" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2591">791</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="c-542" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2592">188,515</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="c-543" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2593">182,830</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="c-544" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2594">5,524</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="c-545" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2595">160</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-546" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2596">22,503</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-547" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2597">21,513</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="c-548" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2598">798</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-549" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2599">192</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-550" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2600">51,215</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-551" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2601">48,948</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-552" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2602">1,828</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-553" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2603">439</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 colspan="3" 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="c-17" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2604">972,990</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/></tr></table></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:51.904%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.300%"/><td style="width:0.1%"/></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 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/>2023</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 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="c-554" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2605">106,749</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;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: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="c-555" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2606">4,589</ix:nonFraction></span></td><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="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="c-556" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2607">28,569</ix:nonFraction></span></td><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: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="c-557" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2608">73,590</ix:nonFraction></span></td><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:#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 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="c-558" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2609">8,737</ix:nonFraction></span></td><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="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="c-559" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2610">7,963</ix:nonFraction></span></td><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: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="c-560" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2611">484</ix:nonFraction></span></td><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: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="c-561" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2612">290</ix:nonFraction></span></td><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:#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="c-562" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2613">955</ix:nonFraction></span></td><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="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 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="c-563" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2614">48,747</ix:nonFraction></span></td><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="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 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="c-564" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2615">62,289</ix:nonFraction></span></td><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="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="c-565" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2616">1,217</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;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:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2617">61,047</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="c-567" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2618">60,255</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-568" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2619">771</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-569" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2620">21</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-570" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2621">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="c-571" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2622">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="c-572" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2623">&#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="c-573" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2624">&#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 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="c-574" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2625">463,130</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-575" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2626">410,590</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="c-576" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2627">38,061</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="c-577" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2628">14,478</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 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="c-578" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2629">49,544</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="c-579" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2630">49,403</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="c-580" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2631">108</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="c-581" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2632">32</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-582" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2633">7,176</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="c-583" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2634">7,176</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="c-584" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2635">&#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="c-585" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2636">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-586" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2637">17,498</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-587" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2638">17,478</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-588" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2639">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="c-589" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2640">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:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-590" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2641">388,912</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="c-591" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2642">336,533</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="c-592" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2643">37,935</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="c-593" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2644">14,444</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:7pt;font-weight:700;line-height:120%">Total financial assets risk</span></td><td colspan="3" style="padding:0 1pt"/><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="c-594" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2645">690,606</ix:nonFraction></span></td><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="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 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="c-595" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2646">214,283</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:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2647">204,842</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="c-597" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2648">8,411</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="c-598" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2649">1,030</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="c-599" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2650">152,868</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="c-600" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2651">147,376</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="c-601" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2652">5,326</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="c-602" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2653">165</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-603" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2654">18,839</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-604" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2655">17,612</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-605" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2656">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="c-606" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2657">229</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-607" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2658">42,577</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-608" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2659">39,854</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="c-609" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2660">2,087</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-610" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2661">636</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 colspan="3" 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="c-18" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2662">904,889</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/></tr></table></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-28" continuedAt="f-1980-29"><ix:continuation id="f-2546-1"><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 style="width:51.904%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.300%"/><td style="width:0.1%"/></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 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 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%">December 2022 &#8317;&#185;&#8318;</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 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="c-611" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2663">70,763</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/></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="c-612" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2664">4,404</ix:nonFraction></span></td><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: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="c-613" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2665">24,367</ix:nonFraction></span></td><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: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="c-614" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2666">41,993</ix:nonFraction></span></td><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:#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 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="c-615" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2667">6,888</ix:nonFraction></span></td><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="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="c-616" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2668">6,511</ix:nonFraction></span></td><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: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="c-617" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2669">129</ix:nonFraction></span></td><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: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="c-618" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2670">247</ix:nonFraction></span></td><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:#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="c-619" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2671">913</ix:nonFraction></span></td><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="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 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="c-620" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2672">53,101</ix:nonFraction></span></td><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="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 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="c-621" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2673">65,497</ix:nonFraction></span></td><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="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="c-622" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2674">1,198</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #dbdbdb;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:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-623" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2675">64,273</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="c-624" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2676">63,425</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="c-625" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2677">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="c-626" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2678">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="c-627" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2679">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="c-628" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2680">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="c-629" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2681">&#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="c-630" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2682">&#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 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="c-631" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2683">425,803</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="c-632" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2684">378,407</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-633" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2685">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="c-634" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2686">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 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="c-635" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2687">36,730</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="c-636" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2688">36,463</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="c-637" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2689">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="c-638" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2690">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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-639" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2691">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="c-640" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2692">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="c-641" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2693">&#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="c-642" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2694">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-643" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2695">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="c-644" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2696">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="c-645" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2697">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-646" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-2698">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-647" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2699">368,588</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-648" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2700">321,528</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-649" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2701">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="c-650" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2702">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 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="c-651" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2703">622,965</ix:nonFraction></span></td><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="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 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="c-652" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2704">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="c-653" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2705">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="c-654" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2706">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="c-655" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2707">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="c-656" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2708">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="c-657" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2709">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="c-658" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2710">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="c-659" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2711">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="c-660" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2712">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="c-661" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2713">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="c-662" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2714">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="c-663" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2715">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="c-664" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2716">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="c-665" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2717">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="c-666" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2718">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="c-667" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2719">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 colspan="3" 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="c-19" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2720">815,533</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="fn-10" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</ix:footnote>.</span></div></ix:continuation><div style="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%">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:10pt;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, 2024, there are no financial assets classified as purchased or originated credit impaired in the consolidated balance sheets of the BBVA 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-29" continuedAt="f-1980-30"><ix:nonNumeric contextRef="c-1" name="bbva:MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" id="f-2721" 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 stage 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, 2024, 2023 and 2022 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 style="width:11.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.833%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.833%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.833%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.307%"/><td style="width:0.1%"/></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 2024 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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 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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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="c-14" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2722">232,185</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="c-668" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2723">208,969</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="c-669" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2724">15,637</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="c-670" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2725">7,579</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="c-14" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2726">4,684</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="c-668" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2727">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="c-669" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2728">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="c-670" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2729">3,510</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="c-14" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2730">227,501</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="c-668" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2731">208,426</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="c-669" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2732">15,006</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="c-670" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2733">4,069</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%">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="c-15" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2734">91,717</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="c-671" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2735">83,053</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-672" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2736">6,147</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-673" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2737">2,517</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-15" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2738">3,055</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="c-671" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2739">1,210</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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-672" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2740">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="c-673" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2741">1,303</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-15" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2742">88,662</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-671" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2743">81,843</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-672" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2744">5,605</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-673" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2745">1,214</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="c-16" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2746">50,083</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="c-674" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2747">42,708</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-675" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2748">5,534</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-676" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2749">1,841</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="c-16" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2750">1,784</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-674" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2751">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="c-675" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2752">390</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-676" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2753">1,151</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-16" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2754">48,299</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="c-674" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2755">42,465</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-675" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2756">5,144</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-676" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2757">690</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="c-677" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2758">48,897</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-678" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2759">42,204</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-679" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2760">4,431</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-680" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2761">2,262</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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-677" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2762">2,079</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="c-678" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2763">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-679" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2764">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-680" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2765">1,403</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-677" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2766">46,818</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-678" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2767">41,811</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-679" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2768">4,148</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="c-680" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2769">860</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-681" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2770">1,205</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-682" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2771">1,170</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-683" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2772">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="c-684" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2773">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="c-681" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2774">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="c-682" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2775">&#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="c-683" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2776">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="c-684" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2777">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="c-681" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2778">1,197</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-682" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2779">1,170</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-683" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2780">22</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-684" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2781">4</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="c-685" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2782">424,087</ix:nonFraction></span></td><td colspan="3" 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="c-686" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2783">378,104</ix:nonFraction></span></td><td colspan="3" 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="c-687" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2784">31,772</ix:nonFraction></span></td><td colspan="3" 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="c-688" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-2785">14,211</ix:nonFraction></span></td><td colspan="3" 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="c-685" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2786">11,611</ix:nonFraction>)</span></td><td colspan="3" 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="c-686" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2787">2,389</ix:nonFraction>)</span></td><td colspan="3" 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="c-687" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2788">1,847</ix:nonFraction>)</span></td><td colspan="3" 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="c-689" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2789">7,374</ix:nonFraction>)</span></td><td colspan="3" 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="c-685" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2790">412,477</ix:nonFraction></span></td><td colspan="3" 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="c-686" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2791">375,715</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="c-687" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2792">29,925</ix:nonFraction></span></td><td colspan="3" 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="c-689" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2793">6,837</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 colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><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="c-690" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2794">1,532</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="c-691" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2795">13</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="c-692" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2796">321</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="c-693" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2797">1,197</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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 colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><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="c-694" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2798">10,079</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="c-695" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2799">2,376</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="c-696" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2800">1,526</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="c-697" decimals="-6" sign="-" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2801">6,177</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></tr></table><ix:footnote id="fn-11" 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) Spain includes all countries where BBVA, S.A. operates.</span></ix:footnote></div><ix:footnote id="fn-12" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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%">(2) Turkey includes all countries in which Garanti BBVA operates.</span></div></ix:footnote><ix:footnote id="fn-13" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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%">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</span></div></ix:footnote><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="fn-14" 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, 2024, the remaining balance was &#8364;107 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made 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 style="width:11.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.833%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.307%"/><td style="width:0.1%"/></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 2023 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"/><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 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 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 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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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="c-698" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2802">214,522</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="c-699" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2803">183,503</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="c-700" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2804">22,953</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="c-701" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2805">8,066</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="c-698" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2806">4,593</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="c-699" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2807">503</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="c-700" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2808">714</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="c-701" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2809">3,375</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="c-698" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2810">209,929</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="c-699" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2811">183,000</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="c-700" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2812">22,239</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="c-701" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2813">4,690</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-702" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2814">91,086</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="c-703" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2815">81,619</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-704" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2816">6,995</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="c-705" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2817">2,472</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="c-702" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2818">3,049</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="c-703" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2819">1,097</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-704" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2820">620</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-705" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2821">1,332</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-702" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2822">88,037</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-703" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2823">80,522</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-704" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2824">6,375</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-705" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2825">1,140</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="c-706" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2826">39,058</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="c-707" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2827">34,105</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="c-708" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2828">3,234</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-709" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2829">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="c-706" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2830">1,641</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="c-707" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2831">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-708" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2832">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-709" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2833">1,160</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-706" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2834">37,416</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="c-707" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2835">33,938</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-708" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2836">2,920</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-709" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2837">559</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="c-710" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2838">43,151</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-711" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2839">36,237</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-712" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2840">4,738</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="c-713" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2841">2,176</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="c-710" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2842">1,976</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-711" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2843">319</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-712" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2844">377</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-713" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2845">1,280</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-710" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2846">41,175</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="c-711" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2847">35,918</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="c-712" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2848">4,362</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="c-713" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2849">896</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-714" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2850">1,094</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-715" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2851">1,069</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="c-716" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2852">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-717" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2853">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="c-714" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2854">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="c-715" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2855">&#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="c-716" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2856">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="c-717" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2857">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="c-714" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2858">1,085</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-715" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2859">1,068</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-716" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2860">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="c-717" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2861">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="c-718" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2862">388,912</ix:nonFraction></span></td><td colspan="3" 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="c-719" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2863">336,533</ix:nonFraction></span></td><td colspan="3" 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="c-720" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2864">37,935</ix:nonFraction></span></td><td colspan="3" 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="c-721" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2865">14,444</ix:nonFraction></span></td><td colspan="3" 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="c-718" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2866">11,269</ix:nonFraction>)</span></td><td colspan="3" 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="c-719" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2867">2,087</ix:nonFraction>)</span></td><td colspan="3" 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="c-720" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2868">2,026</ix:nonFraction>)</span></td><td colspan="3" 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="c-721" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2869">7,156</ix:nonFraction>)</span></td><td colspan="3" 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="c-718" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2870">377,643</ix:nonFraction></span></td><td colspan="3" 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="c-719" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2871">334,446</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-720" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2872">35,909</ix:nonFraction></span></td><td colspan="3" 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="c-721" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2873">7,287</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 colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><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="c-722" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2874">1,665</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="c-723" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2875">15</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="c-724" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2876">471</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="c-725" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2877">1,179</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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 colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><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="c-726" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2878">9,604</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="c-727" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2879">2,072</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="c-728" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2880">1,555</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="c-729" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2881">5,977</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></tr></table></div><ix:footnote id="fn-15" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Spain includes all countries where BBVA, S.A. operates.</span></div></ix:footnote><ix:footnote id="fn-16" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Turkey includes all countries in which Garanti BBVA operates.</span></div></ix:footnote><ix:footnote id="fn-17" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</span></div></ix:footnote><ix:footnote id="fn-18" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(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, 2023 the remaining balance was &#8364;142 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize.</span></div></ix:footnote><div style="text-align:justify"><span><br/></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:100.000%"><tr><td style="width:1.0%"/><td style="width:12.793%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.082%"/><td style="width:0.1%"/></tr><tr><td colspan="39" 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:7pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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 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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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 &#8317;&#178;&#8318;</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="c-730" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2882">214,066</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="c-731" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2883">186,977</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="c-732" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2884">19,621</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="c-733" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2885">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="c-730" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2886">4,860</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="c-731" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2887">518</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="c-732" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2888">759</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="c-733" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2889">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="c-730" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2890">209,206</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="c-731" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2891">186,459</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="c-732" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2892">18,862</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="c-733" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2893">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="c-734" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2894">73,729</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-735" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2895">66,448</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-736" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2896">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="c-737" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2897">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="c-734" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2898">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="c-735" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2899">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="c-736" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2900">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="c-737" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2901">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="c-734" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2902">71,233</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-735" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2903">65,494</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-736" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2904">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="c-737" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2905">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 &#8317;&#179;&#8318;</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="c-738" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2906">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="c-739" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2907">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="c-740" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2908">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="c-741" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2909">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="c-738" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2910">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="c-739" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2911">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="c-740" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2912">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="c-741" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2913">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="c-738" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2914">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="c-739" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2915">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="c-740" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2916">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="c-741" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2917">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 &#8317;&#8308;&#8318;</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="c-742" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2918">40,199</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="c-743" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2919">34,312</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="c-744" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2920">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="c-745" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2921">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="c-742" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2922">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="c-743" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2923">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="c-744" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2924">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="c-745" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2925">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="c-742" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2926">38,431</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-743" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2927">33,994</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-744" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2928">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="c-745" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2929">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="c-746" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2930">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="c-747" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2931">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="c-748" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2932">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="c-749" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2933">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="c-746" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2934">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="c-747" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2935">&#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="c-748" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2936">&#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="c-749" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2937">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="c-746" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2938">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="c-747" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2939">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="c-748" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2940">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="c-749" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2941">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 &#8317;&#8309;&#8318;</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="c-750" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2942">368,588</ix:nonFraction></span></td><td colspan="3" 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="c-751" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2943">321,528</ix:nonFraction></span></td><td colspan="3" 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="c-752" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2944">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="c-753" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2945">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="c-750" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2946">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="c-751" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2947">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="c-752" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2948">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="c-753" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2949">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="c-750" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2950">357,351</ix:nonFraction></span></td><td colspan="3" 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="c-751" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2951">319,513</ix:nonFraction></span></td><td colspan="3" 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="c-752" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2952">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="c-753" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2953">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 colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><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="c-754" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2954">2,164</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="c-755" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2955">21</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="c-756" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2956">604</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="c-757" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2957">1,539</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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 colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><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="c-758" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2958">9,073</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="c-759" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2959">1,994</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="c-760" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2960">1,334</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="c-761" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2961">5,745</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></tr></table></div><ix:footnote id="fn-19" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><ix:footnote id="fn-20" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Spain includes all countries where BBVA, S.A. operates.</span></div></ix:footnote><ix:footnote id="fn-21" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Turkey includes all countries in which Garanti BBVA operates.</span></div></ix:footnote><ix:footnote id="fn-22" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4)  In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</span></div></ix:footnote><ix:footnote id="fn-23" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(5) 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.</span></div></ix:footnote></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" id="f-2962" continuedAt="f-2962-1" 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, 2024, 2023 and 2022 is 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-30" continuedAt="f-1980-31"><ix:continuation id="f-2962-1"><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 style="width:22.782%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.223%"/><td style="width:0.1%"/></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 2024 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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: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%">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 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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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="c-762" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2963">22,133</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="c-763" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2964">21,982</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="c-764" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2965">125</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="c-765" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2966">26</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="c-762" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2967">23</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="c-763" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2968">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="c-764" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2969">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-765" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2970">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-762" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2971">22,111</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="c-763" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2972">21,974</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="c-764" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2973">118</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="c-765" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2974">18</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-766" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2975">17,524</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-767" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2976">17,040</ix:nonFraction></span></td><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="c-768" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2977">471</ix:nonFraction></span></td><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="c-769" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-2978">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="c-766" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2979">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-767" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2980">13</ix:nonFraction>)</span></td><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="c-768" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2981">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-769" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2982">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="c-766" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2983">17,497</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="c-767" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2984">17,027</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-768" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2985">467</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-769" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-2986">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%">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="c-770" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2987">197,521</ix:nonFraction></span></td><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="c-771" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2988">179,727</ix:nonFraction></span></td><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="c-772" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2989">12,780</ix:nonFraction></span></td><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="c-773" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2990">5,014</ix:nonFraction></span></td><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="c-770" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2991">4,134</ix:nonFraction>)</span></td><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="c-771" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2992">639</ix:nonFraction>)</span></td><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="c-772" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-2993">636</ix:nonFraction>)</span></td><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="c-773" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2994">2,859</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-770" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2995">193,386</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-771" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2996">179,087</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-772" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2997">12,143</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="c-773" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-2998">2,156</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-774" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-2999">186,910</ix:nonFraction></span></td><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="c-775" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3000">159,355</ix:nonFraction></span></td><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="c-776" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3001">18,396</ix:nonFraction></span></td><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="c-777" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3002">9,158</ix:nonFraction></span></td><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="c-774" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3003">7,427</ix:nonFraction>)</span></td><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="c-775" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3004">1,729</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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-776" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3005">1,199</ix:nonFraction>)</span></td><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="c-777" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3006">4,499</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="c-774" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3007">179,483</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-775" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3008">157,627</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-776" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3009">17,197</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-777" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3010">4,659</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="c-778" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3011">424,087</ix:nonFraction></span></td><td colspan="3" 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="c-779" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3012">378,104</ix:nonFraction></span></td><td colspan="3" 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="c-780" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3013">31,772</ix:nonFraction></span></td><td colspan="3" 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="c-781" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3014">14,211</ix:nonFraction></span></td><td colspan="3" 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="c-778" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3015">11,611</ix:nonFraction>)</span></td><td colspan="3" 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="c-779" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3016">2,389</ix:nonFraction>)</span></td><td colspan="3" 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="c-780" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3017">1,847</ix:nonFraction>)</span></td><td colspan="3" 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="c-781" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3018">7,374</ix:nonFraction>)</span></td><td colspan="3" 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="c-778" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3019">412,477</ix:nonFraction></span></td><td colspan="3" 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="c-779" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3020">375,715</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="c-780" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3021">29,925</ix:nonFraction></span></td><td colspan="3" 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="c-781" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3022">6,837</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 style="width:22.782%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.223%"/><td style="width:0.1%"/></tr><tr><td colspan="39" 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%">December 2023 (Millions of Euros)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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: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%">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 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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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="c-782" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3023">23,294</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="c-783" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3024">23,105</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="c-784" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3025">164</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="c-785" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3026">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="c-782" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3027">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-783" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3028">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="c-784" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3029">12</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="c-785" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3030">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="c-782" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3031">23,265</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="c-783" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3032">23,096</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="c-784" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-3033">152</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="c-785" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-3034">18</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-786" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3035">13,271</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-787" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3036">13,072</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-788" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3037">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-789" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3038">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="c-786" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3039">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="c-787" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3040">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="c-788" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3041">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="c-789" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3042">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="c-786" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3043">13,251</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-787" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3044">13,062</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="c-788" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-3045">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="c-789" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-3046">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="c-790" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3047">175,337</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="c-791" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3048">154,519</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="c-792" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3049">15,299</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="c-793" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3050">5,520</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="c-790" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3051">4,274</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="c-791" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3052">517</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-792" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3053">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-793" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3054">2,962</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="c-790" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3055">171,063</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="c-791" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3056">154,002</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-792" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3057">14,503</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-793" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3058">2,558</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: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="c-794" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3059">177,009</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-795" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3060">145,837</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-796" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3061">22,286</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-797" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3062">8,886</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-794" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3063">6,946</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="c-795" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3064">1,552</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-796" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3065">1,214</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="c-797" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3066">4,180</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-794" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3067">170,063</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="c-795" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3068">144,285</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="c-796" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3069">21,071</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="c-797" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3070">4,706</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="c-798" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3071">388,912</ix:nonFraction></span></td><td colspan="3" 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="c-799" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3072">336,533</ix:nonFraction></span></td><td colspan="3" 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="c-800" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3073">37,935</ix:nonFraction></span></td><td colspan="3" 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="c-801" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3074">14,444</ix:nonFraction></span></td><td colspan="3" 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="c-798" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3075">11,269</ix:nonFraction>)</span></td><td colspan="3" 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="c-799" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3076">2,087</ix:nonFraction>)</span></td><td colspan="3" 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="c-800" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3077">2,026</ix:nonFraction>)</span></td><td colspan="3" 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="c-801" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3078">7,156</ix:nonFraction>)</span></td><td colspan="3" 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="c-798" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3079">377,643</ix:nonFraction></span></td><td colspan="3" 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="c-799" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3080">334,446</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-800" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3081">35,909</ix:nonFraction></span></td><td colspan="3" 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="c-801" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3082">7,287</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 style="width:22.782%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.223%"/><td style="width:0.1%"/></tr><tr><td colspan="39" 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%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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: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%">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 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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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="c-802" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3083">20,922</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="c-803" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3084">20,582</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="c-804" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3085">302</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="c-805" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3086">38</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="c-802" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3087">30</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="c-803" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3088">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="c-804" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3089">11</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="c-805" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3090">11</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="c-802" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3091">20,892</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="c-803" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3092">20,574</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="c-804" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-3093">291</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="c-805" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-3094">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="c-806" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3095">12,802</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-807" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3096">12,548</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-808" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3097">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="c-809" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3098">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="c-806" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3099">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-807" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3100">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-808" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3101">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="c-809" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3102">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="c-806" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3103">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="c-807" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3104">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="c-808" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-3105">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="c-809" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-3106">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="c-810" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3107">170,929</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-811" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3108">149,501</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-812" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3109">15,087</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-813" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3110">6,340</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-810" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3111">5,495</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-811" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3112">675</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-812" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3113">991</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-813" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3114">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="c-810" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3115">165,433</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-811" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3116">148,826</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="c-812" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3117">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="c-813" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3118">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="c-814" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3119">163,936</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="c-815" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3120">138,896</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-816" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3121">17,941</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-817" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3122">7,098</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-814" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3123">5,675</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-815" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3124">1,316</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-816" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="f-3125">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="c-817" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3126">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="c-814" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3127">158,261</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="c-815" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3128">137,580</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-816" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3129">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="c-817" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3130">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="c-818" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3131">368,588</ix:nonFraction></span></td><td colspan="3" 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="c-819" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3132">321,528</ix:nonFraction></span></td><td colspan="3" 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="c-820" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3133">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="c-821" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-3134">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="c-818" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3135">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="c-819" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3136">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="c-820" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3137">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="c-821" decimals="-6" name="bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3138">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="c-818" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3139">357,351</ix:nonFraction></span></td><td colspan="3" 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="c-819" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3140">319,513</ix:nonFraction></span></td><td colspan="3" 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="c-820" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3141">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="c-821" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3142">6,208</ix:nonFraction></span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="fn-24" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3</ix:footnote>).</span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="bbva:LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" id="f-3143" continuedAt="f-3143-1" 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 type of counterparty and product, net of loss allowances, and the gross carrying amount by type of counterparty as of December 31, 2024, 2023 and 2022 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 style="width:23.091%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.537%"/><td style="width:0.1%"/></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 2024 (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 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="c-822" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3144">&#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="c-823" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3145">8</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="c-824" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3146">&#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="c-825" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3147">59</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="c-826" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3148">3,140</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="c-827" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3149">2,099</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="c-828" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3150">5,307</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="c-829" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3151">5,521</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:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-830" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3152">&#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="c-831" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3153">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="c-832" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3154">&#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="c-833" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3155">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="c-834" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3156">2,268</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="c-835" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3157">25,449</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="c-836" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3158">27,721</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="c-837" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3159">29,669</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 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="c-838" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3160">1,077</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="c-839" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3161">71</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="c-840" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3162">1,244</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="c-841" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3163">29,247</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="c-842" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3164">125</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="c-843" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3165">31,764</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="c-844" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3166">32,023</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="c-845" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3167">&#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="c-846" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3168">171</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="c-847" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3169">&#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="c-848" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3170">11</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="c-849" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3171">9,672</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="c-850" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3172">270</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="c-851" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3173">10,125</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="c-852" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3174">10,364</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="c-853" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3175">&#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="c-854" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3176">219</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="c-855" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3177">9,157</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="c-856" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3178">44</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="c-857" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3179">&#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="c-858" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3180">&#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="c-859" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3181">9,420</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="c-860" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3182">9,422</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="c-861" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3183">7,803</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="c-862" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3184">20,519</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="c-863" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3185">7,529</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="c-864" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3186">11,771</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="c-865" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3187">148,167</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="c-866" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3188">151,313</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="c-867" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3189">347,102</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="c-868" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3190">356,002</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="c-869" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3191">452</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="c-870" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3192">117</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="c-871" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3193">5,960</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="c-872" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3194">4,365</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="c-873" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3195">1,084</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="c-874" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3196">353</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="c-875" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3197">12,330</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="c-876" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3198">12,397</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="c-877" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3199">8,255</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-878" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3200">22,111</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-879" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3201">22,719</ix:nonFraction></span></td><td colspan="3" 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="c-880" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3202">17,497</ix:nonFraction></span></td><td colspan="3" 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="c-881" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3203">193,579</ix:nonFraction></span></td><td colspan="3" 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="c-882" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3204">179,610</ix:nonFraction></span></td><td colspan="3" 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="c-883" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3205">443,769</ix:nonFraction></span></td><td colspan="3" 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="c-884" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3206">455,399</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 colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></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 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="c-885" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3207">245</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="c-886" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3208">&#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="c-887" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3209">680</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="c-888" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3210">29,307</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="c-889" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3211">97,627</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="c-890" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3212">127,860</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="c-891" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3213">130,633</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="c-892" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3214">&#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="c-893" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3215">6,059</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="c-894" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3216">9,628</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="c-895" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3217">530</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="c-896" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3218">10,996</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="c-897" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3219">2,648</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="c-898" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3220">29,861</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="c-899" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3221">30,129</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 colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></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 colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><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="c-900" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3222">67,446</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="c-901" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3223">67,446</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="c-902" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3224">72,447</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 colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><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="c-903" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3225">98,570</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="c-904" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3226">98,570</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="c-905" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3227">100,218</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 colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></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 colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><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="c-906" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3228">6,669</ix:nonFraction></span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><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="c-907" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3229">6,669</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="c-908" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3230">6,901</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-3143-1"><ix:continuation id="f-1980-31" continuedAt="f-1980-32"><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 style="width:23.091%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.537%"/><td style="width:0.1%"/></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 2023 (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 colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><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="c-909" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3231">&#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="c-910" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3232">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="c-911" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3233">&#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="c-912" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3234">73</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="c-913" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3235">1,933</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="c-914" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3236">1,028</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="c-915" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3237">3,040</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="c-916" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3238">3,175</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%">Credit card debt</span></td><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="c-917" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3239">&#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="c-918" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3240">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="c-919" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3241">&#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="c-920" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3242">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="c-921" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3243">1,927</ix:nonFraction></span></td><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="c-922" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3244">20,959</ix:nonFraction></span></td><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="c-923" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3245">22,890</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-924" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3246">24,454</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 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="c-925" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3247">960</ix:nonFraction></span></td><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="c-926" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3248">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-927" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3249">586</ix:nonFraction></span></td><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="c-928" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3250">23,462</ix:nonFraction></span></td><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="c-929" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3251">88</ix:nonFraction></span></td><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="c-930" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3252">25,171</ix:nonFraction></span></td><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="c-931" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3253">25,346</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="c-932" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3254">&#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="c-933" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3255">225</ix:nonFraction></span></td><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="c-934" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3256">&#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="c-935" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3257">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-936" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3258">8,940</ix:nonFraction></span></td><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="c-937" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3259">285</ix:nonFraction></span></td><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="c-938" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3260">9,463</ix:nonFraction></span></td><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="c-939" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3261">9,714</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="c-940" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3262">1,345</ix:nonFraction></span></td><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="c-941" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3263">&#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="c-942" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3264">5,786</ix:nonFraction></span></td><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="c-943" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3265">92</ix:nonFraction></span></td><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="c-944" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3266">&#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="c-945" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3267">&#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="c-946" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3268">7,223</ix:nonFraction></span></td><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="c-947" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3269">7,234</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="c-948" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3270">4,878</ix:nonFraction></span></td><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="c-949" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3271">21,662</ix:nonFraction></span></td><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="c-950" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3272">5,329</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-951" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3273">9,300</ix:nonFraction></span></td><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="c-952" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3274">134,024</ix:nonFraction></span></td><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="c-953" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3275">147,491</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-954" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3276">322,683</ix:nonFraction></span></td><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="c-955" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3277">331,813</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="c-956" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3278">927</ix:nonFraction></span></td><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="c-957" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3279">412</ix:nonFraction></span></td><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="c-958" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3280">6,312</ix:nonFraction></span></td><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="c-959" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3281">3,186</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-960" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3282">956</ix:nonFraction></span></td><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="c-961" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3283">324</ix:nonFraction></span></td><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="c-962" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3284">12,116</ix:nonFraction></span></td><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="c-963" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3285">12,164</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;border-left:1pt solid #5ac4c4;border-top:1pt solid #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="c-964" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3286">7,151</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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="c-965" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3287">23,265</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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="c-966" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3288">17,502</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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="c-967" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3289">13,251</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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="c-968" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3290">171,241</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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="c-969" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3291">170,175</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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="c-970" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3292">402,586</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #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="c-971" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3293">413,901</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;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"/></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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-972" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3294">271</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-973" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3295">&#8212;</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-974" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3296">526</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-975" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3297">24,829</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-976" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3298">96,772</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-977" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3299">122,397</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-978" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3300">125,328</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-979" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3301">1,347</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-980" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3302">6,933</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-981" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3303">4,558</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-982" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3304">465</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-983" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3305">10,938</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-984" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3306">2,430</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-985" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3307">26,671</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-986" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3308">26,963</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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/></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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-987" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3309">59,892</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-988" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3310">59,892</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-989" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3311">64,303</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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-990" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3312">97,555</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-991" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3313">97,555</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-992" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3314">99,224</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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/></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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-993" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3315">7,181</ix:nonFraction></span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-994" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3316">7,181</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:6pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-995" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3317">7,743</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 style="width:23.091%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.537%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="background-color:#E9E9E9;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;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><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="c-996" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3318">&#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="c-997" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3319">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="c-998" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3320">&#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="c-999" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3321">352</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="c-1000" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3322">2,810</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="c-1001" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3323">933</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="c-1002" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3324">4,101</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="c-1003" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3325">4,266</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%">Credit card debt</span></td><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="c-1004" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3326">&#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="c-1005" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3327">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="c-1006" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3328">&#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="c-1007" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3329">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1008" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3330">2,029</ix:nonFraction></span></td><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="c-1009" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3331">16,865</ix:nonFraction></span></td><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="c-1010" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3332">18,898</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="c-1011" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3333">19,985</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 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="c-1012" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3334">1,021</ix:nonFraction></span></td><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="c-1013" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3335">24</ix:nonFraction></span></td><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="c-1014" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3336">370</ix:nonFraction></span></td><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="c-1015" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3337">24,510</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="c-1016" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3338">85</ix:nonFraction></span></td><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="c-1017" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3339">26,011</ix:nonFraction></span></td><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="c-1018" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3340">26,254</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="c-1019" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3341">&#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="c-1020" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3342">195</ix:nonFraction></span></td><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="c-1021" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3343">&#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="c-1022" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3344">13</ix:nonFraction></span></td><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="c-1023" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3345">8,040</ix:nonFraction></span></td><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="c-1024" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3346">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="c-1025" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3347">8,571</ix:nonFraction></span></td><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="c-1026" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3348">8,857</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="c-1027" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3349">302</ix:nonFraction></span></td><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="c-1028" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3350">&#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="c-1029" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3351">5,251</ix:nonFraction></span></td><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="c-1030" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3352">102</ix:nonFraction></span></td><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="c-1031" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3353">&#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="c-1032" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3354">&#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="c-1033" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3355">5,655</ix:nonFraction></span></td><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="c-1034" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3356">5,674</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="c-1035" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3357">3,802</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1036" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3358">19,438</ix:nonFraction></span></td><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="c-1037" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3359">4,009</ix:nonFraction></span></td><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="c-1038" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3360">7,995</ix:nonFraction></span></td><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="c-1039" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3361">126,949</ix:nonFraction></span></td><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="c-1040" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3362">139,925</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1041" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3363">302,118</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1042" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3364">311,553</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="c-1043" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3365">296</ix:nonFraction></span></td><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="c-1044" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3366">232</ix:nonFraction></span></td><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="c-1045" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3367">6,772</ix:nonFraction></span></td><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="c-1046" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3368">3,930</ix:nonFraction></span></td><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="c-1047" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3369">1,256</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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1048" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3370">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1049" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3371">12,702</ix:nonFraction></span></td><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="c-1050" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3372">12,758</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="c-1051" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3373">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="c-1052" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3374">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="c-1053" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3375">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="c-1054" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3376">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="c-1055" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3377">165,593</ix:nonFraction></span></td><td colspan="3" 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="c-1056" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3378">158,348</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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1057" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3379">378,056</ix:nonFraction></span></td><td colspan="3" 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="c-1058" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3380">389,347</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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/></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 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="c-1059" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3381">297</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="c-1060" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:fixed-zero" scale="6" id="f-3382">&#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="c-1061" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3383">337</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="c-1062" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3384">23,970</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="c-1063" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3385">95,056</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="c-1064" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3386">119,659</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="c-1065" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3387">122,719</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="c-1066" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3388">498</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="c-1067" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3389">5,382</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="c-1068" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3390">5,073</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="c-1069" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" scale="6" id="f-3391">548</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="c-1070" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3392">6,635</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="c-1071" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3393">2,209</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="c-1072" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3394">20,345</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="c-1073" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3395">20,675</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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><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="c-1074" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3396">51,344</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="c-1075" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3397">51,344</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="c-1076" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3398">54,718</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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><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="c-1077" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3399">95,249</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="c-1078" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3400">95,249</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="c-1079" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3401">96,716</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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/></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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><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="c-1080" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3402">7,942</ix:nonFraction></span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><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="c-1081" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3403">7,942</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="c-1082" decimals="-6" name="bbva:LoansAndAdvancesByCounterpartyAndProduct" format="ixt:num-dot-decimal" scale="6" id="f-3404">8,530</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-25" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_679"></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><ix:continuation id="f-1980-32" continuedAt="f-1980-33"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Mitigation of credit risk, collateralized credit risk and other credit enhancements</span></ix:continuation></div><ix:continuation id="f-1980-33" continuedAt="f-1980-34"><div style="margin-bottom:10pt;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</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-66</span></div></div></div><hr style="page-break-after:always"/><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="f-1980-34" continuedAt="f-1980-35"><div style="margin-bottom:10pt;margin-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, 2024 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, 2024, 2023 and 2022, the BBVA Group had no significant 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:nonNumeric contextRef="c-1" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" id="f-3405" 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 7.2.5), shown by type of collateral, as of December 31, 2024, 2023 and 2022, 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 style="width:22.739%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.596%"/><td style="width:0.1%"/></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 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 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 2024</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="c-1083" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3406">14,213</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="c-1084" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3407">2,889</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="c-1085" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3408">573</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="c-1086" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3409">8</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="c-1087" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3410">91</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="c-1088" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3411">1,153</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 2023</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1089" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3412">14,446</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1090" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3413">3,167</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1091" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3414">771</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1092" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3415">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="c-1093" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3416">91</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-1094" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3417">1,226</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022</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="c-1095" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3418">13,493</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="c-1096" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3419">2,537</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="c-1097" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3420">849</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="c-1098" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3421">3</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="c-1099" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3422">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="c-1100" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3423">984</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:GuaranteesReceivedTableTextBlock" id="f-3424" 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, 2024, 2023 and 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:99.893%"><tr><td style="width:1.0%"/><td style="width:53.137%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.155%"/><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%">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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="padding:0 1pt;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%">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%">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%">2022</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="c-1101" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3425">144,844</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="c-1102" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3426">136,141</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="c-1103" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3427">125,963</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="c-1104" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3428">11,318</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="c-1105" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3429">14,274</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="c-1106" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3430">12,826</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="c-1107" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3431">3,562</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="c-1108" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3432">4,035</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="c-1109" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3433">3,440</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="c-1110" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3434">56,589</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="c-1111" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3435">53,462</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="c-1112" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3436">40,050</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="c-1113" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3437">4,273</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="c-1114" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3438">4,864</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="c-1115" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3439">4,963</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="c-1116" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3440">1,153</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="c-1117" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3441">1,226</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="c-1118" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" scale="6" id="f-3442">984</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="c-13" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3443">201,433</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3444">189,602</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ImpairedFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3445">166,013</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-35" continuedAt="f-1980-36"><div style="margin-bottom:10pt;margin-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 as of December 31, 2024, 2023 and 2022 amounts to &#8364;791 million, &#8364;1,030 million and &#8364;1,147 million, respectively (see Note 7.2.2).</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_682"></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><ix:continuation id="f-1980-36" continuedAt="f-1980-37"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Credit quality of financial assets that are neither past due nor impaired</span></ix:continuation></div><ix:continuation id="f-1980-37" continuedAt="f-1980-38"><div style="margin-bottom:10pt;margin-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><div style="margin-bottom:10pt;margin-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="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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><div style="margin-bottom:10pt;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><ix:nonNumeric contextRef="c-1" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock" id="f-3446" continuedAt="f-3446-1" escape="true"><div style="margin-bottom:2pt;margin-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 outlines the distribution of the gross carrying amount of loans and advances to customers, contingent risk and commitments, in percentage terms, of the BBVA Group, based on their probability of default within 12 months and internal rating &#160;&#160;&#160;&#160;used in the calculation of the expected loss under IFRS 9, and their stages, as of December 31, 2024, 2023 and 2022: </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-3446-1"><ix:continuation id="f-1980-38" continuedAt="f-1980-39"><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:12.151%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.380%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.380%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.380%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.380%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.380%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.385%"/><td style="width:0.1%"/></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%">Probability of default (basis points) and internal rating</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</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%">2023</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;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%">2022 &#8317;&#185;&#8318;</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subject to lifetime ECL (stage 2)</span></div></td></tr><tr><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-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Internal rating</span></div></td><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:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PDs</span></div></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;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 #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%">%</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%">AAA</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%">0 to 2</span></td><td colspan="2" style="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="c-1119" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3447">3.2</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="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="c-1120" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" format="ixt:fixed-zero" scale="-2" id="f-3448">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="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="c-1121" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3449">3.8</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="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="c-1122" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" format="ixt:fixed-zero" scale="-2" id="f-3450">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="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="c-1123" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3451">5.5</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="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="c-1124" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3452">0.1</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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%">AA+ to AA-</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%">2 to 5</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="c-1125" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3453">9.0</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1126" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" format="ixt:fixed-zero" scale="-2" id="f-3454">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1127" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3455">10.7</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1128" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3456">0.2</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1129" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3457">19.4</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1130" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3458">0.3</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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%">A+ to A-</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%">5 to 11</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="c-1131" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3459">17.1</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1132" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" format="ixt:fixed-zero" scale="-2" id="f-3460">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1133" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3461">25.4</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1134" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3462">0.5</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1135" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3463">19.9</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1136" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3464">0.7</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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%">BBB+ to BBB-</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%">11 to 39</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="c-1137" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3465">29.7</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1138" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3466">0.6</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1139" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3467">21.7</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1140" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3468">1.3</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1141" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3469">18.7</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1142" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3470">0.8</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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%">BB+ to BB-</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%">39 to 194</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="c-1143" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3471">23.5</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1144" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3472">1.7</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1145" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3473">20.6</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1146" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3474">2.1</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1147" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3475">18.4</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1148" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3476">1.9</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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%">B+ to B-</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%">194 to 1,061</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="c-1149" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3477">10.2</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1150" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3478">1.6</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1151" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3479">8.7</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1152" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3480">2.2</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1153" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3481">9.0</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1154" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3482">2.5</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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%">CCC+ to CCC-</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%">1,061 to 2,121</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="c-1155" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3483">1.2</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1156" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3484">0.5</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1157" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3485">1.0</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1158" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3486">0.6</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1159" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3487">1.0</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1160" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3488">0.7</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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%">CC+ to C</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%">&gt; 2,121</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="c-1161" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3489">0.7</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1162" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3490">0.9</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1163" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3491">0.5</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1164" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3492">0.8</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1165" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3493">0.5</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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="c-1166" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3494">0.8</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="number" contextRef="c-1167" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3495">94.5</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="number" contextRef="c-1168" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3496">5.5</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="number" contextRef="c-1169" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3497">92.4</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="number" contextRef="c-1170" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3498">7.6</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="number" contextRef="c-1171" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3499">92.3</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="number" contextRef="c-1172" decimals="3" name="bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" scale="-2" id="f-3500">7.7</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 #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="fn-26" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Data corresponding to the year 2022, does not include commitments nor contingent liabilities</ix:footnote>.</span></div></ix:continuation></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_685"></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><ix:continuation id="f-1980-39" continuedAt="f-1980-40"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Impaired loan risks</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:ImpairedSecuredLoansRisksTableTextBlock" id="f-3501" escape="true"><ix:continuation id="f-1980-40" continuedAt="f-1980-41"><div style="margin-bottom:10pt;margin-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 type of counterparty, including their respective gross carrying amount, impaired amount and accumulated impairment as of December 31, 2024, 2023 and 2022 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 style="width:55.910%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><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%">December 2024 (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross carrying amount</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:8pt;font-weight:700;line-height:120%">Impaired loans and advances</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:8pt;font-weight:700;line-height:120%">Accumulated impairment </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 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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1173" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3502">8,261</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="c-1173" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="f-3503">&#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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1173" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3504">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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1174" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3505">22,133</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="c-1174" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3506">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1174" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3507">23</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 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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1175" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3508">22,668</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1175" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3509">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="c-1175" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3510">13</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 corporations</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="c-1176" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3511">17,524</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="c-1176" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3512">12</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="c-1176" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3513">26</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1177" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3514">197,521</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1177" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3515">5,014</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1177" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3516">4,134</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%">Households</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="c-1178" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3517">186,910</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="c-1178" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3518">9,158</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="c-1178" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3519">7,427</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;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 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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3520">455,016</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3521">14,213</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="c-1179" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3522">11,630</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 style="width:55.910%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/></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 2023 (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></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="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:8pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" 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;padding-left:0.18pt;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%">Impaired loans and advances</span></div></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:8pt;font-weight:700;line-height:120%">Accumulated impairment </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 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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1180" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3523">7,176</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="c-1180" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="f-3524">&#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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1180" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3525">25</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1181" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3526">23,294</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1181" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3527">25</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-1181" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3528">29</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 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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1182" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3529">17,498</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="c-1182" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3530">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="c-1182" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3531">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%">Other financial corporations</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="c-1183" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3532">13,271</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="c-1183" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3533">12</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="c-1183" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3534">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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1184" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3535">175,337</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1184" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3536">5,520</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-1184" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3537">4,274</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%">Households</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="c-1185" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3538">177,009</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="c-1185" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3539">8,886</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="c-1185" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3540">6,946</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;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 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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3541">413,585</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3542">14,446</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="c-1186" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3543">11,316</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:99.585%"><tr><td style="width:1.0%"/><td style="width:56.241%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.119%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.119%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.121%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#E9E9E9;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;margin-top:0.1pt;text-indent:-0.49pt"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></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="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross carrying amount</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:8pt;font-weight:700;line-height:120%">Impaired loans and advances</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:8pt;font-weight:700;line-height:120%">Accumulated impairment </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 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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1187" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3544">4,420</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="c-1187" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="f-3545">&#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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1187" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3546">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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1188" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3547">20,922</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1188" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3548">38</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-1188" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3549">30</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 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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1189" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3550">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1189" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:fixed-zero" scale="6" id="f-3551">&#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="c-1189" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3552">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%">Other financial corporations</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="c-1190" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3553">12,802</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="c-1190" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3554">17</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="c-1190" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" scale="6" id="f-3555">37</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1191" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3556">170,929</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1191" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3557">6,340</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-1191" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3558">5,495</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%">Households</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="c-1192" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3559">163,936</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="c-1192" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3560">7,098</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="c-1192" decimals="-6" sign="-" name="bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3561">5,675</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;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 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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3562">389,073</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ImpairedLoansAndAdvancesAtAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-3563">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="c-1193" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3564">11,291</ix:nonFraction>)</span></td></tr></table><ix:footnote id="fn-27" 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) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></ix:footnote></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-41" continuedAt="f-1980-42"><ix:nonNumeric contextRef="c-1" name="bbva:ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" id="f-3565" 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 2024, 2023 and 2022 of impaired financial assets and guarantees given are as follows:</span></div><div style="margin-bottom:6pt;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:60.071%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.845%"/><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%">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 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%">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%">2022</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="c-20" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-3566">15,362</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-3567">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="c-173" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-3568">15,467</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: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="c-1" decimals="-6" name="bbva:AdditionsOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="f-3569">12,255</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="c-22" decimals="-6" name="bbva:AdditionsOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="f-3570">11,066</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="c-23" decimals="-6" name="bbva:AdditionsOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="f-3571">8,084</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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:DecreaseOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="f-3572">7,346</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:DecreaseOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="f-3573">5,795</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:DecreaseOfImpairedAssets" format="ixt:num-dot-decimal" scale="6" id="f-3574">5,742</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="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3575">4,909</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3576">5,272</ix:nonFraction></span></td><td colspan="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="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3577">2,342</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="c-1" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3578">4,559</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="c-22" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3579">3,770</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="c-23" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3580">2,771</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="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3581">820</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3582">660</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3583">517</ix:nonFraction>)</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="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="c-13" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-3584">14,891</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-3585">15,362</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ImpairedFinancialAssetsAndGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-3586">14,521</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-28" 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%">(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.</span></ix:footnote></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="bbva:ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" id="f-3587" 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 2024, 2023 and 2022 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 style="width:44.001%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.676%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.609%"/><td style="width:0.1%"/></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 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%">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%">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%">2022</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 colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-3588">24,787</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-3589">22,595</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-173" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-3590">21,990</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%">Companies held for sale</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:CompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3591">&#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="c-22" decimals="-6" name="bbva:CompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3592">&#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="c-23" decimals="-6" name="bbva:CompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3593">&#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:8pt;font-weight:400;line-height:120%">Increase</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="f-3594">3,547</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="f-3595">3,841</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" name="bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="f-3596">2,871</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%">Decrease:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="f-3597">2,801</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="f-3598">2,035</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" format="ixt:num-dot-decimal" scale="6" id="f-3599">2,431</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 colspan="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="c-1" decimals="-6" sign="-" name="bbva:ReFinancingOrRestructuring" scale="6" id="f-3600">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:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:ReFinancingOrRestructuring" scale="6" id="f-3601">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="c-23" decimals="-6" sign="-" name="bbva:ReFinancingOrRestructuring" scale="6" id="f-3602">2</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="c-1" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="f-3603">403</ix:nonFraction>)</span></td><td colspan="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="c-22" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="f-3604">369</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="f-3605">390</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 colspan="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="c-1" decimals="-6" sign="-" name="bbva:DecreaseForeclosedAssets" scale="6" id="f-3606">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:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:DecreaseForeclosedAssets" scale="6" id="f-3607">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="c-23" decimals="-6" sign="-" name="bbva:DecreaseForeclosedAssets" scale="6" id="f-3608">25</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">(1)</span></div></td><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-top:1pt 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="c-1" decimals="-6" sign="-" name="bbva:DecreaseSales" format="ixt:num-dot-decimal" scale="6" id="f-3609">1,719</ix:nonFraction>)</span></td><td colspan="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="c-22" decimals="-6" sign="-" name="bbva:DecreaseSales" format="ixt:num-dot-decimal" scale="6" id="f-3610">1,201</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:DecreaseSales" format="ixt:num-dot-decimal" scale="6" id="f-3611">1,498</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 colspan="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="c-1" decimals="-6" sign="-" name="bbva:DecreaseDebtForgiveness" scale="6" id="f-3612">669</ix:nonFraction>)</span></td><td colspan="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="c-22" decimals="-6" sign="-" name="bbva:DecreaseDebtForgiveness" scale="6" id="f-3613">410</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="bbva:DecreaseDebtForgiveness" scale="6" id="f-3614">368</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 colspan="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="c-1" decimals="-6" sign="-" name="bbva:DecreaseTimeBarredDebtAndOtherCauses" scale="6" id="f-3615">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="c-22" decimals="-6" sign="-" name="bbva:DecreaseTimeBarredDebtAndOtherCauses" scale="6" id="f-3616">51</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="bbva:DecreaseTimeBarredDebtAndOtherCauses" scale="6" id="f-3617">147</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:NetExchangeDifferencesWrittenOff" scale="6" id="f-3618">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="c-22" decimals="-6" name="bbva:NetExchangeDifferencesWrittenOff" scale="6" id="f-3619">385</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" name="bbva:NetExchangeDifferencesWrittenOff" scale="6" id="f-3620">165</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 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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-3621">25,343</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-3622">24,787</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-3623">22,595</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><ix:footnote id="fn-29" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes principal and interest.</span></div></ix:footnote></ix:nonNumeric><div style="text-align:justify"><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%">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="i22a2e436ff7c462c96898906283f922e_688"></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><ix:continuation id="f-1980-42" continuedAt="f-1980-43"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Gross carrying amount and loss allowances</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" id="f-3624" continuedAt="f-3624-1" escape="true"><ix:continuation id="f-1980-43" continuedAt="f-1980-44"><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 2024, 2023 and 2022 are recorded on the consolidated balance sheet as of December 31, 2024, 2023 and 2022 in order to cover the estimated impairment or reversal of impairment on loans and advances 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 style="width:37.266%"/><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:14.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.310%"/><td style="width:0.1%"/></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 carrying amount of loans and advances at amortized cost. Year 2024 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;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-style:italic;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-style:italic;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-style:italic;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="c-1194" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3625">361,186</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1195" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3626">37,953</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1196" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3627">14,446</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="c-1197" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3628">413,585</ix:nonFraction></span></td></tr><tr><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="c-1198" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3629">4,032</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1199" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3630">1,625</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1200" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3631">2,407</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1201" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-3632">&#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%">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="c-1198" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="f-3633">11,840</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="c-1199" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="f-3634">11,840</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="c-1200" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="f-3635">&#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="c-1201" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="f-3636">&#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%">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="c-1198" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="f-3637">9,830</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="c-1199" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="f-3638">9,830</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="c-1200" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="f-3639">&#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="c-1201" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="f-3640">&#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%">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="c-1198" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3641">3,260</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="c-1199" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3642">1,949</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="c-1200" decimals="-6" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3643">5,208</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="c-1201" decimals="-6" name="bbva:TransfersToStage3" format="ixt:fixed-zero" scale="6" id="f-3644">&#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%">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="c-1198" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="f-3645">1,238</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="c-1199" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="f-3646">1,564</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="c-1200" decimals="-6" sign="-" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="f-3647">2,801</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="c-1201" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:fixed-zero" scale="6" id="f-3648">&#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="c-1198" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3649">64,222</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1199" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3650">6,378</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1200" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3651">1,108</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1201" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3652">58,952</ix:nonFraction></span></td></tr><tr><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="c-1198" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="f-3653">333</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1199" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="f-3654">112</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1200" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3655">3,149</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1201" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3656">3,594</ix:nonFraction>)</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"/></tr><tr><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="c-1198" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="f-3657">13,508</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1199" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="f-3658">1,137</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1200" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3659">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="c-1201" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="f-3660">15,203</ix:nonFraction>)</span></td></tr><tr><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="c-1198" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3661">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="c-1199" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3662">78</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1200" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3663">36</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1201" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3664">144</ix:nonFraction></span></td></tr><tr><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="c-1198" decimals="-6" name="bbva:OtherImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3665">1,460</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1199" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="f-3666">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="c-1200" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="f-3667">78</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1201" decimals="-6" name="bbva:OtherImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3668">1,131</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="c-1202" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3669">409,023</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1203" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3670">31,780</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="c-1204" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3671">14,213</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="c-1205" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3672">455,016</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-1980-44" continuedAt="f-1980-45"><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%">During 2024, the criteria for identifying significant increases in credit risk were reviewed and updated. As part of this update, certain short-term portfolio transactions, as well as those meeting the expanded definition of the low credit risk exception (see Note 2.2.1), have been exempted from transfer to Stage 2 based on certain quantitative criteria. These changes have led to a significant reduction in the Stage 2 balance at the Group level during the last quarter of 2024, with the impact of these measures primarily concentrated in BBVA, S.A.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" id="f-3673" continuedAt="f-3673-1" 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 style="width:37.266%"/><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:14.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.310%"/><td style="width:0.1%"/></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 2024 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;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-style:italic;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-style:italic;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-style:italic;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="c-1206" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3674">2,131</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1207" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3675">2,026</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1208" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3676">7,158</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1209" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3677">11,316</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: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="c-1210" decimals="-6" name="bbva:TransfersOfFinancialAssets" scale="6" id="f-3678">105</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1211" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" scale="6" id="f-3679">370</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1212" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3680">2,766</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1213" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3681">3,031</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%">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="c-1210" decimals="-6" name="bbva:TransfersFromStage1ToStage2" scale="6" id="f-3682">103</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="c-1211" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="f-3683">697</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="c-1212" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="f-3684">&#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="c-1213" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="f-3685">594</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%">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="c-1210" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" scale="6" id="f-3686">53</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="c-1211" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="f-3687">327</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="c-1212" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="f-3688">&#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="c-1213" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="f-3689">275</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%">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="c-1210" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="f-3690">93</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="c-1211" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="f-3691">146</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="c-1212" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3692">3,498</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="c-1213" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3693">3,259</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%">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="c-1210" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="f-3694">38</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="c-1211" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="f-3695">146</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="c-1212" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="f-3696">732</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="c-1213" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="f-3697">548</ix:nonFraction></span></td></tr><tr><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="c-1210" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" format="ixt:num-dot-decimal" scale="6" id="f-3698">1,059</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1211" decimals="-6" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="f-3699">10</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1212" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" format="ixt:num-dot-decimal" scale="6" id="f-3700">1,125</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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1213" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" format="ixt:num-dot-decimal" scale="6" id="f-3701">2,174</ix:nonFraction>)</span></td></tr><tr><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="c-1210" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="f-3702">321</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1211" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="f-3703">107</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1212" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3704">2,909</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1213" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3705">3,337</ix:nonFraction></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"/></tr><tr><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="c-1210" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3706">325</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1211" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3707">213</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1212" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="f-3708">1,075</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1213" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="f-3709">1,613</ix:nonFraction></span></td></tr><tr><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="c-1210" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3710">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="c-1211" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3711">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="c-1212" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3712">342</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1213" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3713">304</ix:nonFraction>)</span></td></tr><tr><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="c-1210" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3714">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="c-1211" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3715">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="c-1212" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3716">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="c-1213" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3717">246</ix:nonFraction></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"/></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="c-1214" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3718">2,406</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1215" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3719">1,848</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1216" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3720">7,375</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1217" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3721">11,630</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%">For the year ended December 31, 2024, 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="c-1" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" format="ixt:num-dot-decimal" scale="6" id="f-3722">5,745</ix:nonFraction> million (&#8364;<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" format="ixt:num-dot-decimal" scale="6" id="f-3723">4,428</ix:nonFraction> million and &#8364;<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" format="ixt:num-dot-decimal" scale="6" id="f-3724">3,379</ix:nonFraction> million for the years ended December 31, 2023 and 2022, respectively) (see Note 47).</span></div><ix:continuation id="f-3624-1" continuedAt="f-3624-2"><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 style="width:37.266%"/><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:14.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.310%"/><td style="width:0.1%"/></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 carrying amount of loans and advances at amortized cost. Year 2023 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;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-style:italic;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-style:italic;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-style:italic;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="c-1218" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3725">341,944</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1219" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3726">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="c-1220" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3727">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="c-1221" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3728">389,073</ix:nonFraction></span></td></tr><tr><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="c-1222" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3729">11,647</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="c-1223" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3730">10,463</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1224" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3731">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1225" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-3732">&#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%">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="c-1222" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="f-3733">18,172</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="c-1223" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="f-3734">18,172</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="c-1224" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="f-3735">&#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="c-1225" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="f-3736">&#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%">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="c-1222" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="f-3737">7,639</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="c-1223" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="f-3738">7,639</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="c-1224" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="f-3739">&#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="c-1225" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="f-3740">&#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%">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="c-1222" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3741">3,203</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="c-1223" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3742">2,297</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="c-1224" decimals="-6" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3743">5,500</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="c-1225" decimals="-6" name="bbva:TransfersToStage3" format="ixt:fixed-zero" scale="6" id="f-3744">&#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%">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="c-1222" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="f-3745">2,089</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="c-1223" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="f-3746">2,226</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="c-1224" decimals="-6" sign="-" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="f-3747">4,316</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="c-1225" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:fixed-zero" scale="6" id="f-3748">&#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="c-1222" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3749">34,334</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1223" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3750">5,233</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1224" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3751">2,663</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1225" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3752">31,764</ix:nonFraction></span></td></tr><tr><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="c-1222" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="f-3753">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="c-1223" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="f-3754">76</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1224" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3755">2,889</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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1225" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3756">3,150</ix:nonFraction>)</span></td></tr><tr><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="c-1222" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="f-3757">2,833</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1223" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3758">635</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1224" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3759">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1225" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="f-3760">3,838</ix:nonFraction>)</span></td></tr><tr><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="c-1222" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3761">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="c-1223" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3762">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1224" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3763">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="c-1225" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3764">401</ix:nonFraction></span></td></tr><tr><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="c-1222" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="f-3765">365</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1223" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="f-3766">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="c-1224" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="f-3767">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="c-1225" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="f-3768">665</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="c-1194" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3769">361,186</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1195" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3770">37,953</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1196" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3771">14,446</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="c-1197" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3772">413,585</ix:nonFraction></span></td></tr></table></div></ix:continuation><ix:continuation id="f-3673-1" continuedAt="f-3673-2"><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 style="width:37.266%"/><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:14.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.310%"/><td style="width:0.1%"/></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 2023 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;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-style:italic;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-style:italic;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-style:italic;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="c-1226" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3773">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="c-1227" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3774">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="c-1228" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3775">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="c-1229" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3776">11,291</ix:nonFraction>)</span></td></tr><tr><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="c-1230" decimals="-6" name="bbva:TransfersOfFinancialAssets" scale="6" id="f-3777">73</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1231" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" scale="6" id="f-3778">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1232" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3779">2,527</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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1233" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3780">2,790</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%">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="c-1230" decimals="-6" name="bbva:TransfersFromStage1ToStage2" scale="6" id="f-3781">118</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="c-1231" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="f-3782">681</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="c-1232" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="f-3783">&#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="c-1233" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="f-3784">563</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%">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="c-1230" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" scale="6" id="f-3785">113</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="c-1231" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="f-3786">323</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="c-1232" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="f-3787">&#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="c-1233" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="f-3788">210</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%">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="c-1230" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="f-3789">81</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="c-1231" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="f-3790">120</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="c-1232" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3791">2,935</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="c-1233" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3792">2,734</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%">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="c-1230" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="f-3793">13</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="c-1231" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="f-3794">97</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="c-1232" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="f-3795">408</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="c-1233" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="f-3796">297</ix:nonFraction></span></td></tr><tr><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="c-1230" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="f-3797">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1231" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="f-3798">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="c-1232" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="f-3799">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1233" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="f-3800">846</ix:nonFraction>)</span></td></tr><tr><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="c-1230" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="f-3801">147</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1231" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="f-3802">71</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1232" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3803">2,853</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="c-1233" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3804">3,071</ix:nonFraction></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"/></tr><tr><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="c-1230" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3805">52</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1231" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3806">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="c-1232" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3807">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1233" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3808">160</ix:nonFraction></span></td></tr><tr><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="c-1230" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3809">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="c-1231" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3810">49</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1232" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3811">304</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1233" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3812">252</ix:nonFraction>)</span></td></tr><tr><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="c-1230" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3813">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1231" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3814">235</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1232" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3815">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="c-1233" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3816">631</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="c-1206" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3817">2,131</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1207" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3818">2,026</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1208" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3819">7,158</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1209" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3820">11,316</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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><ix:continuation id="f-1980-45" continuedAt="f-1980-46"><ix:continuation id="f-3624-2"><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 style="width:37.266%"/><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:14.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.310%"/><td style="width:0.1%"/><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"/><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"/><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="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 carrying amount of loans and advances at amortized cost. Year 2022 (Millions of Euros)</span></td><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"/><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"/><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="padding:0 1pt;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-style:italic;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-style:italic;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-style:italic;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><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"/><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"/><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%">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="c-1234" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3821">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="c-1235" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3822">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="c-1236" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3823">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="c-1237" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3824">349,037</ix:nonFraction></span></td><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"/><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"/><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="padding:2px 1pt;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="c-1238" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3825">5,041</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="c-1239" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3826">3,914</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1240" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3827">1,128</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="c-1241" decimals="-6" name="bbva:TransfersOfFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-3828">&#8212;</ix:nonFraction></span></td><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"/><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"/><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="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%">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="c-1238" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="f-3829">12,726</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="c-1239" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:num-dot-decimal" scale="6" id="f-3830">12,726</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="c-1240" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="f-3831">&#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="c-1241" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="f-3832">&#8212;</ix:nonFraction></span></td><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"/><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"/><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="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%">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="c-1238" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="f-3833">8,537</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="c-1239" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" format="ixt:num-dot-decimal" scale="6" id="f-3834">8,537</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="c-1240" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="f-3835">&#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="c-1241" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="f-3836">&#8212;</ix:nonFraction></span></td><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"/><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"/><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="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%">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="c-1238" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3837">1,941</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="c-1239" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3838">1,831</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="c-1240" decimals="-6" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3839">3,773</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="c-1241" decimals="-6" name="bbva:TransfersToStage3" format="ixt:fixed-zero" scale="6" id="f-3840">&#8212;</ix:nonFraction></span></td><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"/><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"/><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="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%">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="c-1238" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="f-3841">1,089</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="c-1239" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="f-3842">1,556</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="c-1240" decimals="-6" sign="-" name="bbva:TransfersFromStage3" format="ixt:num-dot-decimal" scale="6" id="f-3843">2,645</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="c-1241" decimals="-6" name="bbva:TransfersFromStage3" format="ixt:fixed-zero" scale="6" id="f-3844">&#8212;</ix:nonFraction></span></td><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"/><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"/><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="padding:2px 1pt;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="c-1238" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3845">44,465</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1239" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3846">4,201</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1240" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" scale="6" id="f-3847">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1241" decimals="-6" name="bbva:NetAnnualOriginationOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3848">40,522</ix:nonFraction></span></td><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"/><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"/><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="padding:2px 1pt;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="c-1238" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="f-3849">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="c-1239" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" scale="6" id="f-3850">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1240" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3851">2,432</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="c-1241" decimals="-6" sign="-" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3852">2,530</ix:nonFraction>)</span></td><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"/><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"/><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="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%">Methodological changes and adoption of new standards &#8317;&#185;&#8318;</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="c-1198" decimals="-6" sign="-" name="bbva:MethodologicalChangesAndAdoptionOfNewStandards" scale="6" id="f-3853">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="c-1199" decimals="-6" name="bbva:MethodologicalChangesAndAdoptionOfNewStandards" format="ixt:fixed-zero" scale="6" id="f-3854">&#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="c-1200" decimals="-6" name="bbva:MethodologicalChangesAndAdoptionOfNewStandards" format="ixt:fixed-zero" scale="6" id="f-3855">&#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="c-1201" decimals="-6" sign="-" name="bbva:MethodologicalChangesAndAdoptionOfNewStandards" scale="6" id="f-3856">672</ix:nonFraction>)</span></td><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"/><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"/><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="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"/><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"/><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"/><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%">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="c-1238" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="f-3857">2,447</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1239" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3858">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="c-1240" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3859">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1241" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" format="ixt:num-dot-decimal" scale="6" id="f-3860">2,004</ix:nonFraction></span></td><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"/><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"/><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="padding:2px 1pt;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="c-1238" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3861">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="c-1239" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3862">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="c-1240" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3863">113</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1241" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3864">140</ix:nonFraction></span></td><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"/><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"/><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="padding:2px 1pt;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="c-1238" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3865">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="c-1239" decimals="-6" sign="-" name="bbva:OtherImpairmentLosses" scale="6" id="f-3866">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1240" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3867">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1241" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3868">573</ix:nonFraction></span></td><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"/><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"/><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%">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="c-1218" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3869">341,944</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1219" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3870">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="c-1220" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3871">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="c-1221" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3872">389,073</ix:nonFraction></span></td><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"/><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"/><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></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:footnote id="fn-30" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The entire impact corresponds to the application of IFRS 17 (See Note 1.3)</ix:footnote>.</span></div></ix:continuation><ix:continuation id="f-3673-2"><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 style="width:37.266%"/><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:14.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.310%"/><td style="width:0.1%"/></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 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-style:italic;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-style:italic;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-style:italic;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="c-1242" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3873">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="c-1243" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3874">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="c-1244" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3875">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="c-1245" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3876">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="c-1246" decimals="-6" name="bbva:TransfersOfFinancialAssets" scale="6" id="f-3877">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="c-1247" decimals="-6" name="bbva:TransfersOfFinancialAssets" scale="6" id="f-3878">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="c-1248" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3879">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="c-1249" decimals="-6" sign="-" name="bbva:TransfersOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3880">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%">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="c-1246" decimals="-6" name="bbva:TransfersFromStage1ToStage2" scale="6" id="f-3881">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="c-1247" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="f-3882">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="c-1248" decimals="-6" name="bbva:TransfersFromStage1ToStage2" format="ixt:fixed-zero" scale="6" id="f-3883">&#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="c-1249" decimals="-6" sign="-" name="bbva:TransfersFromStage1ToStage2" scale="6" id="f-3884">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%">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="c-1246" decimals="-6" sign="-" name="bbva:TransfersFromStage2ToStage1" scale="6" id="f-3885">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="c-1247" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="f-3886">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="c-1248" decimals="-6" name="bbva:TransfersFromStage2ToStage1" format="ixt:fixed-zero" scale="6" id="f-3887">&#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="c-1249" decimals="-6" name="bbva:TransfersFromStage2ToStage1" scale="6" id="f-3888">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%">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="c-1246" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="f-3889">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="c-1247" decimals="-6" name="bbva:TransfersToStage3" scale="6" id="f-3890">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="c-1248" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3891">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="c-1249" decimals="-6" sign="-" name="bbva:TransfersToStage3" format="ixt:num-dot-decimal" scale="6" id="f-3892">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%">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="c-1246" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="f-3893">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="c-1247" decimals="-6" sign="-" name="bbva:TransfersFromStage3" scale="6" id="f-3894">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="c-1248" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="f-3895">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="c-1249" decimals="-6" name="bbva:TransfersFromStage3" scale="6" id="f-3896">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="c-1246" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="f-3897">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="c-1247" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="f-3898">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="c-1248" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" scale="6" id="f-3899">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="c-1249" decimals="-6" sign="-" name="bbva:NetAnnualOriginationOfAllowances" format="ixt:num-dot-decimal" scale="6" id="f-3900">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="c-1246" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="f-3901">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="c-1247" decimals="-6" name="bbva:BecomingWriteOffs" scale="6" id="f-3902">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="c-1248" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3903">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="c-1249" decimals="-6" name="bbva:BecomingWriteOffs" format="ixt:num-dot-decimal" scale="6" id="f-3904">2,106</ix:nonFraction></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"/></tr><tr><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="c-1246" decimals="-6" sign="-" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3905">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="c-1247" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3906">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="c-1248" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" format="ixt:fixed-zero" scale="6" id="f-3907">&#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="c-1249" decimals="-6" name="ifrs-full:NetForeignExchangeLoss" scale="6" id="f-3908">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="c-1246" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-3909">&#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="c-1247" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3910">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="c-1248" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3911">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="c-1249" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-3912">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="c-1246" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3913">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="c-1247" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3914">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="c-1248" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3915">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="c-1249" decimals="-6" name="bbva:OtherImpairmentLosses" scale="6" id="f-3916">511</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="c-1226" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3917">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="c-1227" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3918">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="c-1228" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3919">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="c-1229" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-3920">11,291</ix:nonFraction>)</span></td></tr></table></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 loss allowances recorded in the balance sheet to cover the impairment estimated in the debt securities amounted to &#8364;169, &#8364;166 and &#8364;214 million as of December 31, 2024, 2023 and 2022, 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 estimated in the commitments and guarantees given amounted to &#8364;667, &#8364;770 and &#8364;770 million as of December 31, 2024, 2023 and 2022, 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="i22a2e436ff7c462c96898906283f922e_691"></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><ix:continuation id="f-1980-46" continuedAt="f-1980-47"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Refinancing and restructuring transactions </span></ix:continuation></div><ix:continuation id="f-1980-47" continuedAt="f-1980-48"><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-1980-48" continuedAt="f-1980-49"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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. Therefore, in all cases the customer shall at least make interest payments, with certain limited exceptions where grace periods are afforded in respect of both principal and interest payments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-49" continuedAt="f-1980-50"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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. They may be reclassified to normal risk as long as the significant increase in credit risk has been reversed within two years, although they must remain identified as refinanced/restructured until the minimum two-year trial period ends.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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%">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%.</span></div><div style="margin-bottom:10pt;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="i22a2e436ff7c462c96898906283f922e_694"></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><ix:continuation id="f-1980-50" continuedAt="f-1980-51"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Risk concentration</span></ix:continuation></div><ix:continuation id="f-1980-51" continuedAt="f-1980-52"><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 geographical 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%">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><div style="margin-bottom:10pt;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 see Appendix IX.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-52" continuedAt="f-1980-53"><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%">Policies for Risk related to the developer and Real Estate sector in Spain</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:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Risk concentration 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%">As of December 31, 2024, there is no risk concentration in the developer and real estate sector, taking into account that its weight in total wholesale risks in Spain was approxi</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">mately </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">10</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%, while compared with the total risks in the portfolio (wholesale and retail), the Real Estate risk assumed was around </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">4</span><span style="background-color:#ffffff;color:#000000;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%">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="i22a2e436ff7c462c96898906283f922e_697"></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><ix:continuation id="f-1980-53" continuedAt="f-1980-54"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:13.11pt">Structural risk</span></ix:continuation></div><ix:continuation id="f-1980-54" continuedAt="f-1980-55"><div style="margin-bottom:10pt;margin-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><div style="margin-bottom:10pt;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 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-55" continuedAt="f-1980-56"><div style="margin-bottom:10pt;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="i22a2e436ff7c462c96898906283f922e_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%">7.3.1</span><ix:continuation id="f-1980-56" continuedAt="f-1980-57"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Interest rate risk and credit spread in the banking book</span></ix:continuation></div><ix:continuation id="f-1980-57" continuedAt="f-1980-58"><div style="margin-bottom:10pt;margin-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 (hereinafter "IRRBB") is related to the potential impact that variations in market interest rates may have on an entity's earnings, through the impact on net interest income and on the valuation of instruments accounted for at fair value, as well as on the 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%">Furthermore, the credit spread risk in the banking book ("CSRBB") arises from the potential impact on the entity&#180;s earnings and/or the value of equity of the banking book produced by a variation in the level of market credit spreads that are not explained by default or migration 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%">IRRBB and CSRBB management is carried out from a double perspective, the economic value of equity and earnings, including the management of net interest income and the monitorization of banking book instruments accounted at fair value with an impact on the income statement and/or on equity. In addition, the banking book instruments recorded based on their market value (fair value) are subject to specific monitoring, due to their impact on risk and on capital, through other comprehensive income or 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 exposure of a financial entity to adverse interest rates and credit spreads movements is a risk inherent to the development of the banking business, which is also, in turn, an opportunity to create economic value. Therefore, these risks must be effectively managed so that they are 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 IRRBB risk management is to maintain the recurrent generation of earnings in the event of market interest rate fluctuations</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">,</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> through the contribution to the net interest income and the control of the potential impacts on the mark-to-market</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">of the fair value accounted portfolios,</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">as well as to limit the capital consumption due to structural interest rate risk. Likewise, the spread risk management in banking book portfolios is aimed at limiting the impact on equity derived from changes in 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 maintaining the spread risk at levels aligned with the total volume of the investment portfolio and the equity of the Group, as well as limiting the impact on earnings when market credit spreads change.</span></div><div style="margin-bottom:10pt;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 Asset &amp; Liability Management (hereinafter "ALM") unit, within the Finance area, which, 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%">IRRBB management is decentralized, and is carried out in each entity included in the structural balance sheet (banking book) of the BBVA Group with the supervision and coordination from the corporate unit of Global ALM, 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 of 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%">BBVA's IRRBB and CSRBB in the banking book 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><div style="margin-bottom:10pt;margin-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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-58" continuedAt="f-1980-59"><div style="margin-bottom:10pt;margin-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. In order to provide the required dynamism to enhance the accuracy of assumptions and reflect specific market or management circumstances, risk models and metrics may incorporate parameters or adjustments based on expert judgment, subject to the internal governance measures established in this regard. 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. 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-59" continuedAt="f-1980-60"><ix:nonNumeric contextRef="c-1" name="bbva:SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock" id="f-3921" 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 shows the profile of average structural interest rate risk and credit spread risk of the fixed income portfolio in the banking book classified as Held to Collect &amp; Sale (HTC&amp;S) in terms of sensitivities of the main currencies for the BBVA Group in 2024:</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 style="width:15.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.570%"/><td style="width:0.1%"/></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 2024</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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:8pt;font-weight:700;line-height:120%">Interest rate risk</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:8pt;font-weight:700;line-height:120%">&#160;Credit spread</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="6" 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;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on net interest income</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><td colspan="6" 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;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value &#8317;&#178;&#8318;</span></div></td><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;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value &#8317;&#178;&#8318;</span></div></td></tr><tr><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 #000;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%">100 basis point increase</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:700;line-height:120%">100 basis point decrease</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:700;line-height:120%">100 basis point increase</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:700;line-height:120%">100 basis point decrease</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: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 #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:nonNumeric contextRef="c-1250" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3922">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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:nonNumeric contextRef="c-1251" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3923">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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:nonNumeric contextRef="c-1250" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3924">[-2.5% , -1.5%]</ix:nonNumeric></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:nonNumeric contextRef="c-1251" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3925">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;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:nonNumeric contextRef="c-1250" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3926">[-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="padding:2px 1pt;text-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="c-1252" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3927">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1253" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3928">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1252" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3929">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1253" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3930">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="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:nonNumeric contextRef="c-1252" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3931">[-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="padding:2px 1pt;text-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="c-1254" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3932">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1255" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3933">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1254" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3934">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1255" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3935">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="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:nonNumeric contextRef="c-1254" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3936">[-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="padding:2px 1pt;text-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="c-1256" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3937">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1257" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3938">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1256" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3939">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1257" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3940">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" 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:nonNumeric contextRef="c-1256" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3941">[-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="padding:2px 1pt;text-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="c-1258" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3942">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1259" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3943">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1258" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3944">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1259" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3945">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" 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:nonNumeric contextRef="c-1258" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3946">[-0.5% , 0.5%]</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">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="c-1260" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3947">[1.5% , 2.5%]</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="c-1261" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3948">[-3.5% , -2.5%]</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="c-1260" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3949">[-3.5% , -2.5%]</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="c-1261" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3950">[2.5% , 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="c-1260" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3951">[-1.5% , -0.5%]</ix:nonNumeric></span></td></tr></table></div><ix:footnote id="fn-31" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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:120%">(1) Percentage of "12 months" net interest income for the BBVA Group.</span></div></ix:footnote><ix:footnote id="fn-32" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Percentage of CET1 (Fully Loaded) for BBVA Group.</span></div></ix:footnote><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:99.431%"><tr><td style="width:1.0%"/><td style="width:12.986%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.082%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.082%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.082%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.082%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.086%"/><td style="width:0.1%"/></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 2023</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">Interest rate risk</span></td><td colspan="3" 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%">&#160;Credit spread</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;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%">Impact on net interest income &#8317;&#185;&#8318;</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;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%">Impact on economic value &#8317;&#178;&#8318;</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value &#8317;&#178;&#8318;</span></td></tr><tr><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 #000;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%">100 basis point increase</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100 basis point decrease </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:#072146;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-left:1pt solid #FFFFFF;border-top:1pt solid #000;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%">100 basis point decrease</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:#072146;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 #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:nonNumeric contextRef="c-1262" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3952">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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:nonNumeric contextRef="c-1263" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3953">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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:nonNumeric contextRef="c-1262" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3954">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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:nonNumeric contextRef="c-1263" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3955">[-0.5% , 0.5%]</ix:nonNumeric></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: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%"><ix:nonNumeric contextRef="c-1262" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3956">[-1.5% , -0.5%]</ix:nonNumeric></span></div></td></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="padding:2px 1pt;text-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="c-1264" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3957">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1265" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3958">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-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="c-1264" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3959">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1265" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3960">[0.5% , 1.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%"><ix:nonNumeric contextRef="c-1264" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3961">[-0.5% , 0.5%]</ix:nonNumeric></span></div></td></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="padding:2px 1pt;text-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="c-1266" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3962">[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="c-1267" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3963">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1266" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3964">[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="c-1267" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3965">[-1.5% , -0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%"><ix:nonNumeric contextRef="c-1266" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3966">[-0.5% , 0.5%]</ix:nonNumeric></span></div></td></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="padding:2px 1pt;text-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="c-1268" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3967">[-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="c-1269" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3968">[-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="c-1268" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3969">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-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="c-1269" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3970">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%"><ix:nonNumeric contextRef="c-1268" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3971">[-0.5% , 0.5%]</ix:nonNumeric></span></div></td></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;padding:2px 1pt;text-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="c-1270" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3972">[-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="c-1271" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3973">[-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="c-1270" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3974">[-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="c-1271" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3975">[-0.5% , 0.5%]</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%"><ix:nonNumeric contextRef="c-1270" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3976">[-0.5% , 0.5%]</ix:nonNumeric></span></div></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">BBVA Group</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:nonNumeric contextRef="c-1272" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3977">[1.5% , 3.5%]</ix:nonNumeric></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:nonNumeric contextRef="c-1273" name="bbva:PercentageImpactOnNetInterestIncome" id="f-3978">[-3.5% , -1.5%]</ix:nonNumeric></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:nonNumeric contextRef="c-1272" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3979">[-1.5% , -0.5%]</ix:nonNumeric></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:nonNumeric contextRef="c-1273" name="bbva:PercentageImpactOnNetEconomicValue" id="f-3980">[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="c-1272" name="bbva:PercentageImpactOnNetEconomicValueCreditSpread" id="f-3981">[-1.5% , -0.5%]</ix:nonNumeric></span></td></tr></table></div><ix:footnote id="fn-33" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Percentage of "12 months" net interest income for the BBVA Group.</span></div></ix:footnote><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="fn-34" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Percentage of CET1 (Fully Loaded) for BBVA Group</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%">At an aggregate level, BBVA seeks to maintain a limited risk profile, in accordance with the established objective within an environment of a cycle shift towards lower interest rates, 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%">In 2024, the actual and expected evolution of inflation, as well as the response of central banks to it, in addition to geopolitical events, have been the focus of the market's attention. In this sense, expectations regarding the number of rate cuts and their speed have been changing throughout the year, with some episodes of certain volatility.</span></div><div style="margin-bottom:10pt;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, while the ECB began its cycle of rate cuts in June and continued at its September, October and December meetings, the Federal Reserve cut rates in September with an initial 50 basis points, followed by an additional 25 basis points at its November meeting. Over the year as a whole, yield curves steepened, generally with falls in the short end and rises in the longer end. Spreads on peripheral curves continued to be well supported and narrowed during the year. The positivity observed in the American and European curves also carried over to Mexico and much of South America. Turkey, for its part, experienced a rebound in both real and nominal rates during the year. All in all, the Group's debt security portfolios performed heterogeneously during the year, with a notable increase in valuations in Spain, while they fell in 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 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">Spain has a balance sheet characterized by a lending portfolio with a high proportion of variable-rate loans (mortgages and corporate lending) and liabilities composed mainly by customer demand deposits. The ALCO portfolio acts as a management lever and hedge for the balance sheet, mitigating its sensitivity to interest rate fluctuations. In an environment of high rates, the exposure of net interest income to movements in interest rates remains limited.</span></div><div style="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:115%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:9.74pt">The reference interest rate in the Eurozone stood at 3.15% at the end of December 2024, the deposit facility rate at 3.00% and the marginal credit facility rate at 3.40%. Additionally, as announced in March 2024, the ECB reduced the differential between the reference interest rate and the deposit facility rate to 15 basis points in September 2024. Regarding reinvestments under the Pandemic Emergency Purchase Program (PEPP), they were ended at the end of 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-60" continuedAt="f-1980-61"><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:9pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:9.18pt">Mexico continues to show a balance between fixed and variable interest rates balances, which results in a limited sensitivity to interest rates fluctuations. Among the assets that are most sensitive to interest rate changes, the commercial portfolio stood out, while consumer and mortgage portfolios are mostly at a fixed rate. With regard to customer deposits, the high proportion of non-interest bearing deposits, which are insensitive to interest rate movements, should be highlighted. The ALCO portfolio is invested primarily in fixed-rate sovereign bonds with limited durations. The monetary policy rate stood at 10.00% at the end of 2024, 125 basis points below the end-of-year level of 2023.</span></div><div style="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">In Turkey, deposit sensitivity is offset by the ALCO portfolio and loans (fixed rate and relatively short-term). Interest rate sensitivity remains limited thanks to the various management actions carried out by the Bank. In 2023, the Central Bank of the Republic of Turkey (hereinafter "CBRT") implemented successive increases in monetary policy rates, raising interest rates to 42.50% by the end of 2023. Subsequently, after maintaining the benchmark rates at 50% until November 2024, they were reduced to 47.50% by the end of December 2024. The CBRT is expected to continue lowering official rates, which is expected to be positive for the customer spread in 2025.</span></div><div style="text-align:justify;text-indent:3.82pt"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><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:9.18pt">In South America, the net interest income sensitivity continues to be limited since most of the countries in the area have a fixed/variable composition. In addition, in balance sheets with several currencies, the interest rate risk is managed for each of the currencies, showing a very low level of exposure. Regarding benchmark rates, in Peru it stood at 5.00% as of December 2024, 175 basis points below its 2023 closing level while in Colombia, the central bank set the benchmark interest rate at 9.50%, accumulating a cut of 350 basis points in 2024. In Argentina, the central bank maintains the benchmark interest rate at 32%, which is a decrease of 68 basis points compared to the end of December 2023.</span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div id="i22a2e436ff7c462c96898906283f922e_703"></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><ix:continuation id="f-1980-61" continuedAt="f-1980-62"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Structural exchange-rate risk </span></ix:continuation></div><ix:continuation id="f-1980-62" continuedAt="f-1980-63"><div style="margin-bottom:10pt;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 geographical areas 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 2024 was characterized by the strength of the dollar against the euro (+6.4%), reflecting the strength of the U.S. economy and the expectation that the new administration's policies will generate greater growth and inflation. Among the emerging currencies, the Mexican peso depreciated strongly (-13.1% against the euro) affected by the election results in Mexico and the new administration in the United States. The Turkish lira was again penalized in 2024 (-11.1%), but to a much lesser extent than in 2023. As for the performance of South American currencies, the Peruvian sol appreciated against the euro (+5.2%), the Colombian peso weakened (-7.8%), while the Chilean peso depreciated by -5.6%. Finally, the Argentine peso experienced a significant depreciation (-16.8%) but it did so in an environment of stabilization of the country's macroeconomic variables, which are expected to lay the foundations for future economic recovery.</span></div><div style="margin-bottom:10pt;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 with the objective of reaching a coverage level, 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 CET1. In relation to the CET1 capital ratio, the estimated sensitivities at the end of 2024 of a 10% depreciation in the relevant currency was as follows: Mexican peso (-9 basis points); Turkish lira (-4 basis points) and U.S. dollar (+20 basis points). </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:nonNumeric contextRef="c-1" name="bbva:SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" id="f-3982" escape="true"><ix:continuation id="f-1980-63" continuedAt="f-1980-64"><div style="margin-bottom:10pt;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 2024, 2023 and 2022, the estimated sensitivities (in absolute terms) 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 style="width:55.910%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><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: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%">2024</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%">2023</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></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="c-1274" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3983">27.8</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1275" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3984">25.8</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1276" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3985">19.1</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%">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="c-1277" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3986">3.3</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="c-1278" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3987">4.4</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="c-1279" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3988">3.5</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="c-1280" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3989">1.4</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="c-1281" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3990">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="c-1282" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3991">0.7</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="c-1283" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3992">0.2</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="c-1284" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3993">0.2</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="c-1285" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3994">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%">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="c-1286" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3995">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="c-1287" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3996">1.0</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1288" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3997">0.9</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%">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="c-1289" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3998">1.8</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="c-1290" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-3999">1.3</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="c-1291" decimals="-5" name="bbva:SensitivityToOnePercentMainCurrencies" scale="6" id="f-4000">1.9</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_706"></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><ix:continuation id="f-1980-64" continuedAt="f-1980-65"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Equity risk in the banking book</span></ix:continuation></div><ix:continuation id="f-1980-65" continuedAt="f-1980-66"><div style="margin-bottom:10pt;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><div style="margin-bottom:10pt;margin-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:120%">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 performed very positively in 2024 but with more modest gains in Europe than in the United States, reflecting the differences in economic dynamism in both blocks. The monetary easing cycle initiated by central banks supported stock market increases, but were prevented from converging towards official targets by persistent inflation. The technology sector led the increases in the United States, driven by the adoption of artificial intelligence solutions, while in Europe, the banking sector performed exceptionally well, enabling it to lead the European stock markets. At the local level, the Spanish stock market presented one of the best performances at the European level, although with less dynamism than in 2023. Telef&#243;nica, where the Group holds a stake classified as equity in its banking book, performed in line with the evolution of the European telecommunications 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%">Structural equity risk, measured in terms of economic capital, has increased 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 amounted to &#8364;-27 million as of December 31, 2024, compared to &#8364;-24 million as of December 31, 2023. 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="i22a2e436ff7c462c96898906283f922e_712"></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><ix:continuation id="f-1980-66" continuedAt="f-1980-67"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:14.46pt">Market risk</span></ix:continuation></div><ix:continuation id="f-1980-67" continuedAt="f-1980-68"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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).</span></div><div style="margin-bottom:10pt;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, market risk may be affected by ESG factors due to the effect they may have on the Group, clients and counterparties (see Note 7.1).</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-80</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_715"></div><hr style="page-break-after:always"/><div style="min-height: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%">7.4.1</span><ix:continuation id="f-1980-68" continuedAt="f-1980-69"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Market risk in trading portfolios </span></ix:continuation></div><ix:continuation id="f-1980-69" continuedAt="f-1980-70"><div style="margin-bottom:10pt;margin-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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 control and 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:10pt;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 risk measurement models used by the BBVA Group, the Supervisor 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 66%, 76% and 63% of the Group&#8217;s trading-book market risk as of December 31, 2024, 2023 and 2022. 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%">The VaR figures are estimated based on the VaR without smoothing methodology, 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. The VaR stress metric is obtained in an analogous way (99% percentile, with 1-day loss), with a fixed window of 1 year within the established stress period, subject to revision and being specific to each geographical area to represent its stress 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%">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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-70" continuedAt="f-1980-71"><div style="margin-bottom:10pt;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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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 Group&#8217;s market risk related to its trading portfolio remained in 2024 at low levels compared to other risks managed by BBVA, particularly credit risk. This is due to the nature of the business. In 2024, the average VaR was &#8364;<ix:nonFraction unitRef="eur" contextRef="c-1292" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4001">37</ix:nonFraction> million, above the figure of 2023, with a maximum level in the year reached on February 19, 2024 of &#8364;<ix:nonFraction unitRef="eur" contextRef="c-1293" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4002">50</ix:nonFraction> million. The evolution in the BBVA Group&#8217;s market risk during 2024, measured as VaR 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:justify"><img src="bbva-20241231_g3.jpg" alt="290" 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 78% of the total as of December 31, 2024 (this figure includes the spread risk). The relative weight of this risk has increased 8 percentage points compared with the close of 2023. Exchange-rate risk accounted for 11% of the total risk, maintaining its weight with respect to December 2023, while equity, volatility and correlation risk has decreased, with a weight of 3% and 8% respectively, which implies a reduction of their relative weights of 3 and 5 percentage points, respectively, with respect to 2023.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-82</span></div></div></div><hr style="page-break-after:always"/><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="f-1980-71" continuedAt="f-1980-72"><ix:nonNumeric contextRef="c-1" name="bbva:VaRByRiskFactorTableTextBlock" id="f-4003" 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, 2024, 2023 and 2022 the VaR was &#8364;<ix:nonFraction unitRef="eur" contextRef="c-1294" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4004">34</ix:nonFraction> million, &#8364;<ix:nonFraction unitRef="eur" contextRef="c-1295" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4005">36</ix:nonFraction> million and &#8364;<ix:nonFraction unitRef="eur" contextRef="c-1296" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4006">29</ix:nonFraction> 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 style="width:24.940%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.230%"/><td style="width:0.1%"/></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) &#8317;&#185;&#8318;</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: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 &#8317;&#178;&#8318;</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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></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="c-1297" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4007">41</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="c-1298" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4008">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="c-1299" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4009">2</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="c-1300" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4010">6</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="c-1301" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4011">20</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="c-1292" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4012">37</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1302" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4013">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1303" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4014">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="c-1304" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4015">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="c-1305" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4016">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="c-1306" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4017">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="c-1293" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4018">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: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="c-1307" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4019">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="c-1308" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4020">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="c-1309" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4021">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="c-1310" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4022">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="c-1311" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4023">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="c-1312" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4024">28</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="c-1313" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4025">37</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="c-1314" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4026">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="c-1315" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4027">2</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="c-1316" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4028">4</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="c-1317" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4029">14</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="c-1294" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4030">34</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%">2023</span></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></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="c-1318" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4031">36</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="c-1319" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4032">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1320" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4033">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="c-1321" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4034">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1322" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4035">22</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="c-1323" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4036">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: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="c-1324" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4037">43</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1325" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4038">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="c-1326" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4039">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="c-1327" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4040">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="c-1328" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4041">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="c-1329" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4042">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: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="c-1330" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4043">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="c-1331" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4044">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="c-1332" decimals="-6" name="bbva:VaRByRiskFactor" format="ixt:fixed-zero" scale="6" id="f-4045">&#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="c-1333" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4046">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="c-1334" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4047">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="c-1335" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4048">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="c-1336" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4049">41</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="c-1337" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4050">6</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="c-1338" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4051">4</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="c-1339" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4052">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="c-1340" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4053">23</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="c-1295" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4054">36</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%">2022</span></td><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></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="c-1341" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4055">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="c-1342" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4056">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1343" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4057">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1344" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4058">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1345" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4059">23</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="c-1346" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4060">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="c-1347" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4061">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="c-1348" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4062">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="c-1349" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4063">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="c-1350" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4064">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="c-1351" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4065">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="c-1352" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4066">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="c-1353" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4067">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="c-1354" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4068">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="c-1355" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4069">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="c-1356" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4070">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="c-1357" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4071">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="c-1358" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4072">19</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="c-1359" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4073">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="c-1360" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4074">13</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="c-1361" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4075">7</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="c-1362" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4076">5</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="c-1363" decimals="-6" sign="-" name="bbva:VaRByRiskFactor" scale="6" id="f-4077">28</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="c-1296" decimals="-6" name="bbva:VaRByRiskFactor" scale="6" id="f-4078">29</ix:nonFraction></span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="fn-35" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The maximum and minimum VaR figures show the VaR figures for the day on which said maximum and minimum VaRs occurred in the relevant year, by type of risk.</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:120%"><ix:footnote id="fn-36" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) 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 results of those entities 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 2024, 2023 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">"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;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Between January 1, 2024 and December 31, 2024, and for the year ended December 31, 2024, 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 neither in BBVA, S.A nor in BBVA Mexico.</span></div><div style="margin-bottom:10pt;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, 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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-72" continuedAt="f-1980-73"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 extreme market events within 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="c-1" name="bbva:ImpactOfTheStressTestTableTextBlock" id="f-4079" 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, 2024 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 style="width:20.163%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.149%"/><td style="width:0.1%"/></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="c-1364" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="f-4080">132</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="c-1365" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="f-4081">66</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="c-1366" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="f-4082">25</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="c-1367" decimals="-6" name="bbva:ExpectedShortfall" format="ixt:fixed-zero" scale="6" id="f-4083">&#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="c-1368" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="f-4084">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1369" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="f-4085">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1370" decimals="-6" sign="-" name="bbva:ExpectedShortfall" scale="6" id="f-4086">10</ix:nonFraction>)</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_718"></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><ix:continuation id="f-1980-73" continuedAt="f-1980-74"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Financial instruments offset</span></ix:continuation></div><ix:continuation id="f-1980-74" continuedAt="f-1980-75"><div style="margin-bottom:10pt;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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-75" continuedAt="f-1980-76"><ix:nonNumeric contextRef="c-1" name="bbva:EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" id="f-4087" 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, 2024, 2023 and 2022:</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 style="width:29.562%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.063%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.460%"/><td style="width:0.1%"/></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 colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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"/><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 </span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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="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 &#8317;&#185;&#8318; </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 2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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:center;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="c-1371" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4088">45,523</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="c-1371" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4089">8,362</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1371" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4090">37,161</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="c-1371" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4091">27,446</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="c-1371" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4092">9,566</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="c-1371" decimals="-6" name="bbva:NetAmount" scale="6" id="f-4093">148</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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1372" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4094">65,401</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1372" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4095">19,397</ix: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="c-1372" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4096">46,005</ix: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="c-1372" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4097">45,959</ix: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="c-1372" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:fixed-zero" scale="6" id="f-4098">&#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="c-1372" decimals="-6" name="bbva:NetAmount" scale="6" id="f-4099">46</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 colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1373" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4100">110,924</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1373" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4101">27,759</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1373" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4102">83,165</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1373" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4103">73,405</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1373" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4104">9,566</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="c-1373" decimals="-6" name="bbva:NetAmount" scale="6" id="f-4105">194</ix:nonFraction></span></td></tr><tr><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:center;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="c-1374" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4106">43,924</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1374" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4107">8,362</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1374" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4108">35,562</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1374" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4109">27,446</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1374" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4110">7,658</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1374" decimals="-6" name="bbva:NetAmount" scale="6" id="f-4111">458</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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1375" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4112">87,893</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1375" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4113">19,397</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1375" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4114">68,497</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1375" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4115">68,497</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1375" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:fixed-zero" scale="6" id="f-4116">&#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="c-1375" decimals="-6" name="bbva:NetAmount" format="ixt:fixed-zero" scale="6" id="f-4117">&#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 liabilities</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1376" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4118">131,818</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1376" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4119">27,759</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1376" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4120">104,059</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1376" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4121">95,943</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1376" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4122">7,658</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1376" decimals="-6" name="bbva:NetAmount" scale="6" id="f-4123">458</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 2023</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="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:center;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="c-1377" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4124">44,641</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="c-1377" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4125">8,866</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="c-1377" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4126">35,775</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="c-1377" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4127">25,171</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="c-1377" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4128">9,532</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="c-1377" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="f-4129">1,072</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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1378" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4130">80,227</ix: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="c-1378" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="f-4131">&#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="c-1378" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4132">80,227</ix: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="c-1378" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4133">79,980</ix: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="c-1378" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:fixed-zero" scale="6" id="f-4134">&#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="c-1378" decimals="-6" name="bbva:NetAmount" scale="6" id="f-4135">248</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 colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1379" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4136">124,869</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="c-1379" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4137">8,866</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="c-1379" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4138">116,003</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="c-1379" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4139">105,151</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="c-1379" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4140">9,532</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="c-1379" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="f-4141">1,320</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:center;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="c-1380" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4142">44,536</ix: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="c-1380" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4143">8,866</ix: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="c-1380" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4144">35,670</ix: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="c-1380" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4145">27,354</ix: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="c-1380" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4146">7,013</ix: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="c-1380" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="f-4147">1,303</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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1381" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4148">104,920</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1381" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="f-4149">&#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="c-1381" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4150">104,920</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1381" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4151">104,920</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1381" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:fixed-zero" scale="6" id="f-4152">&#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="c-1381" decimals="-6" name="bbva:NetAmount" format="ixt:fixed-zero" scale="6" id="f-4153">&#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 liabilities</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1382" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4154">149,456</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1382" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4155">8,866</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="c-1382" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4156">140,590</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1382" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4157">132,274</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="c-1382" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4158">7,013</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="c-1382" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="f-4159">1,303</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 2022</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="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:center;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="c-1383" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4160">52,354</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="c-1383" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4161">10,554</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="c-1383" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4162">41,800</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="c-1383" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4163">31,019</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="c-1383" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4164">9,824</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="c-1383" decimals="-6" name="bbva:NetAmount" scale="6" id="f-4165">957</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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1384" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4166">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="c-1384" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="f-4167">&#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="c-1384" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4168">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="c-1384" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4169">47,069</ix: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="c-1384" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:fixed-zero" scale="6" id="f-4170">&#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="c-1384" decimals="-6" name="bbva:NetAmount" scale="6" id="f-4171">41</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 colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1385" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4172">99,465</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="c-1385" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4173">10,554</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="c-1385" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4174">88,911</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="c-1385" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4175">78,088</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="c-1385" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4176">9,824</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="c-1385" decimals="-6" name="bbva:NetAmount" scale="6" id="f-4177">998</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:center;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="c-1386" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4178">51,767</ix: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="c-1386" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4179">10,554</ix: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="c-1386" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4180">41,213</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="c-1386" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4181">31,028</ix: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="c-1386" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4182">8,990</ix: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="c-1386" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="f-4183">1,195</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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1387" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4184">54,382</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1387" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:fixed-zero" scale="6" id="f-4185">&#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="c-1387" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4186">54,382</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1387" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4187">52,701</ix: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="c-1387" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" scale="6" id="f-4188">586</ix: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="c-1387" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="f-4189">1,095</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 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="c-1388" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4190">106,149</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="c-1388" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-4191">10,554</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="c-1388" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-4192">95,594</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="c-1388" decimals="-6" name="bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4193">83,729</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="c-1388" decimals="-6" name="bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" format="ixt:num-dot-decimal" scale="6" id="f-4194">9,576</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="c-1388" decimals="-6" name="bbva:NetAmount" format="ixt:num-dot-decimal" scale="6" id="f-4195">2,290</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="fn-37" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) It corresponds to the aggregation of the net amounts presented in the balance sheet, less the gross amount which is not offset in the balance sheet, corresponding to each Group entity that records a deficit in this regard</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%">Financial assets and liabilities are offset, and consequently are presented in the consolidated balance sheet at their net value under the relevant captions (i.e., derivatives, repurchase agreements and reverse repurchase agreements), where the Group maintains netting agreements and there is an intention to settle their net amount. Regarding certain repurchase agreements and reverse repurchase agreements, since 2024, the Group fulfils both conditions. Where netting agreements do not exist, the market value of the relevant products is recorded in the balance of the repurchase agreements and reverse repurchase agreements captions.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_721"></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><ix:continuation id="f-1980-76" continuedAt="f-1980-77"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Liquidity and Funding risk</span></ix:continuation></div><ix:continuation id="f-1980-77" continuedAt="f-1980-78"><div style="margin-bottom:10pt;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 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.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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%">7.5.1</span><ix:continuation id="f-1980-78" continuedAt="f-1980-79"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Liquidity and Funding Strategy and Planning</span></ix:continuation></div><ix:continuation id="f-1980-79" continuedAt="f-1980-80"><div style="margin-bottom:10pt;margin-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 (hereinafter "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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-80" continuedAt="f-1980-81"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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="i22a2e436ff7c462c96898906283f922e_727"></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><ix:continuation id="f-1980-81" continuedAt="f-1980-82"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Governance, monitoring and mitigation measures</span></ix:continuation></div><ix:continuation id="f-1980-82" continuedAt="f-1980-83"><div style="margin-bottom:10pt;margin-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 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 level above 100% as a mitigation measure.</span></div><div style="margin-bottom:10pt;margin-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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-83" continuedAt="f-1980-84"><div style="margin-bottom:10pt;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><div style="margin-bottom:10pt;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, seeking 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, 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. </span></div><div style="margin-bottom:10pt;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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-84" continuedAt="f-1980-85"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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><div style="margin-bottom:10pt;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="i22a2e436ff7c462c96898906283f922e_730"></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><ix:continuation id="f-1980-85" continuedAt="f-1980-86"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Liquidity and funding performance </span></ix:continuation></div><ix:continuation id="f-1980-86" continuedAt="f-1980-87"><div style="margin-bottom:10pt;margin-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 a 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 2024, liquidity conditions remained adequate in all the countries where the BBVA Group operates. </span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_733"></div><ix:nonNumeric contextRef="c-1" name="bbva:LtSCDByLMUTableTextBlock" id="f-4196" escape="true"><ix:continuation id="f-1980-87" continuedAt="f-1980-88"><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022, 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 style="width:38.345%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.087%"/><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%">LtSCD by LMU</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><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%">2024</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%">2023</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%">2022</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="c-1" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4197">102</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="c-22" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4198">99</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="c-23" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4199">96</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="c-1389" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4200">101</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="c-1390" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4201">100</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="c-1391" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4202">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%">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="c-1392" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4203">115</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1393" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4204">102</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1394" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4205">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="c-1395" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4206">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="c-1396" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4207">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="c-1397" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4208">83</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="c-1398" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4209">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="c-1399" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4210">104</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1400" decimals="2" name="bbva:AverageLtSCDByLMU" scale="-2" id="f-4211">96</ix:nonFraction> %</span></td></tr></table></div></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_736"></div><ix:continuation id="f-1980-88" continuedAt="f-1980-89"><div style="margin-bottom:10pt;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 2024. As a result, the ratio has remained above 100%, with the consolidated ratio as of December 31, 2024 standing at 134%.</span></div><div style="margin-bottom:10pt;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 was exceeded in all 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%">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. </span></div><div style="margin-bottom:10pt;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 impact of these highly liquid assets was considered, the LCR would be 162%, or 28 basis points above the required level.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:LCRMainLMUTableTextBlock" id="f-4212" 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 style="width:37.420%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.394%"/><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%">LCR main LMU</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="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%">2024</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%">2023</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%">2022</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="c-13" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4213">134</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="c-20" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4214">149</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="c-21" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4215">159</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="c-1401" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4216">156</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="c-1402" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4217">178</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="c-1403" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4218">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%">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="c-1404" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4219">146</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1405" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4220">192</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1406" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4221">199</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="c-1407" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4222">141</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1408" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4223">212</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1409" decimals="2" name="bbva:AverageLCRMainLMU" scale="-2" id="f-4224">185</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 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;130,613 million, of which 97% 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-89" continuedAt="f-1980-90"><ix:nonNumeric contextRef="c-1" name="bbva:LiquidityAvailableByInstrumentTableTextBlock" id="f-4225" 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, 2024, 2023 and 2022 for the most significant entities based on prudential supervisor&#8217;s information (Commission Implementing Regulations (EU) 2021/451 of December 17, 2020):</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:21.242%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.377%"/><td style="width:0.1%"/></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 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="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="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-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 colspan="3" style="border-left:1pt solid #FFFFFF;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%">2024</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%">2023</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 #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%">2024</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%">2023</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 #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%">2024</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%">2023</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 #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%">2024</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%">2023</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%">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: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="c-1410" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4226">16,004</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="c-1411" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4227">43,931</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="c-1412" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4228">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="c-1413" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4229">12,001</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="c-1414" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4230">9,712</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="c-1415" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4231">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="c-1416" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4232">10,344</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="c-1417" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4233">9,899</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="c-1418" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4234">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="c-1419" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4235">8,101</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="c-1420" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4236">5,921</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="c-1421" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4237">5,265</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%">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="c-1422" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4238">50,199</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="c-1423" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4239">31,606</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="c-1424" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4240">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="c-1425" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4241">8,783</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="c-1426" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4242">20,345</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="c-1427" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4243">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="c-1428" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4244">6,402</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="c-1429" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4245">6,117</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="c-1430" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4246">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="c-1431" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4247">8,749</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="c-1432" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4248">8,429</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="c-1433" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4249">7,836</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1434" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4250">194</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="c-1435" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4251">919</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="c-1436" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4252">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="c-1437" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4253">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1438" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4254">246</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="c-1439" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4255">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="c-1440" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4256">&#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="c-1441" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4257">&#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="c-1442" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4258">&#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="c-1443" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4259">&#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="c-1444" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4260">&#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="c-1445" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4261">&#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="c-1446" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4262">3,762</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="c-1447" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4263">2,916</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="c-1448" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4264">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="c-1449" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4265">159</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="c-1450" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4266">132</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="c-1451" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4267">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="c-1452" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4268">&#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="c-1453" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4269">&#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="c-1454" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4270">&#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="c-1455" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4271">31</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="c-1456" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4272">&#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="c-1457" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4273">1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1458" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4274">46,537</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="c-1459" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4275">44,324</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="c-1460" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4276">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="c-1461" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4277">598</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="c-1462" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4278">469</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="c-1463" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4279">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="c-1464" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4280">816</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="c-1465" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4281">398</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="c-1466" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4282">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="c-1467" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4283">926</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="c-1468" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4284">753</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="c-1469" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4285">1,035</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1470" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" scale="6" id="f-4286">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="c-1471" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4287">&#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="c-1472" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4288">&#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="c-1473" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4289">&#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="c-1474" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4290">&#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="c-1475" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4291">&#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="c-1476" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4292">&#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="c-1477" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4293">&#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="c-1478" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4294">&#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="c-1479" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4295">&#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="c-1480" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4296">&#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="c-1481" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4297">&#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:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1482" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4298">116,706</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="c-1483" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4299">123,696</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="c-1484" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4300">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="c-1485" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4301">21,869</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="c-1486" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4302">30,903</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="c-1487" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4303">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="c-1488" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4304">17,562</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1489" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4305">16,414</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="c-1490" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4306">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="c-1491" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4307">17,806</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="c-1492" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4308">15,102</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="c-1493" decimals="-6" name="ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4309">14,136</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 127% as of December 31, 2024.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:NSFRMainLMUTableTextBlock" id="f-4310" 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 as of December 31, 2024, 2023 and 2022, 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 style="width:49.439%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.389%"/><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%">NSFR main LMU</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</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%">2023</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%">2022</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="c-13" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4311">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:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-20" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4312">131</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="c-21" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4313">135</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="c-1494" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4314">119</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="c-1495" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4315">120</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="c-1496" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4316">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%">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="c-1497" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4317">131</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1498" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4318">140</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1499" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4319">143</ix:nonFraction> %</span></td></tr><tr><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="c-1500" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4320">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="c-1501" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4321">178</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-1502" decimals="2" name="bbva:AverageNSFRMainLMU" scale="-2" id="f-4322">166</ix:nonFraction> %</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:ResidualMaturitiesByContractualPeriodsTableTextBlock" id="f-4323" continuedAt="f-4323-1" 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, 2024, 2023 and 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 style="width:19.238%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.152%"/><td style="width:0.1%"/></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 2024. 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 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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-1503" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4324">11,125</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="c-1504" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4325">38,087</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="c-1505" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4326">&#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="c-1506" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4327">&#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="c-1507" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4328">&#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="c-1508" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4329">&#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="c-1509" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4330">&#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="c-1510" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4331">&#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="c-1511" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4332">&#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="c-1512" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4333">&#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="c-1513" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4334">49,212</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="c-1514" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4335">&#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="c-1515" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4336">5,246</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="c-1516" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4337">541</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="c-1517" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4338">1,165</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="c-1518" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4339">647</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="c-1519" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4340">918</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="c-1520" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4341">861</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="c-1521" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4342">351</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="c-1522" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4343">33</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="c-1523" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4344">41</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="c-1524" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4345">9,805</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="c-1525" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4346">&#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="c-1526" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4347">2,677</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="c-1527" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4348">1,642</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="c-1528" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4349">970</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="c-1529" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4350">929</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="c-1530" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4351">1,130</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="c-1531" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4352">1,577</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="c-1532" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4353">1,526</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="c-1533" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4354">1,369</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="c-1534" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4355">681</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="c-1535" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4356">12,502</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="c-1536" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4357">&#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="c-1537" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4358">34,310</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="c-1538" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4359">10,594</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="c-1539" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4360">5,025</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="c-1540" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4361">1,911</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="c-1541" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4362">3,138</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="c-1542" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4363">5,782</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="c-1543" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4364">3,675</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="c-1544" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4365">3,008</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="c-1545" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4366">122</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="c-1546" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4367">67,565</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="c-1547" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4368">&#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="c-1548" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4369">34,605</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="c-1549" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4370">38,547</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="c-1550" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4371">29,770</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="c-1551" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4372">16,928</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="c-1552" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4373">19,715</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="c-1553" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4374">44,537</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="c-1554" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4375">34,618</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="c-1555" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4376">51,469</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="c-1556" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4377">105,649</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="c-1557" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4378">375,837</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="c-1558" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4379">&#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="c-1559" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4380">2,861</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="c-1560" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4381">2,741</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="c-1561" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4382">6,084</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="c-1562" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4383">2,531</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="c-1563" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4384">5,922</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="c-1564" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4385">20,625</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="c-1565" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4386">20,053</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="c-1566" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4387">21,972</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="c-1567" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4388">44,850</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="c-1568" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4389">127,640</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 style="width:19.238%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.152%"/><td style="width:0.1%"/></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 2024. 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 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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-1569" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4390">&#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="c-1570" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4391">2,484</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="c-1571" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4392">4,816</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="c-1572" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4393">5,536</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="c-1573" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4394">3,347</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="c-1574" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4395">3,685</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="c-1575" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4396">8,517</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="c-1576" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4397">11,386</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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1577" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4398">7,530</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="c-1578" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4399">28,306</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="c-1579" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4400">75,608</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="c-1580" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4401">2,600</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="c-1581" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4402">6,070</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="c-1582" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4403">476</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="c-1583" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4404">644</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="c-1584" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4405">130</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="c-1585" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4406">732</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="c-1586" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4407">558</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="c-1587" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4408">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1588" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4409">570</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="c-1589" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4410">743</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="c-1590" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4411">12,765</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="c-1591" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4412">6,950</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="c-1592" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4413">9,247</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="c-1593" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4414">2,466</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="c-1594" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4415">1,584</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="c-1595" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4416">922</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="c-1596" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4417">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="c-1597" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4418">1,256</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="c-1598" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4419">477</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="c-1599" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4420">433</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="c-1600" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4421">742</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="c-1601" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4422">24,581</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="c-1602" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4423">318,252</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="c-1603" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4424">50,789</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="c-1604" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4425">23,758</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="c-1605" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4426">11,580</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="c-1606" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4427">3,888</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="c-1607" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4428">4,329</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="c-1608" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4429">2,055</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="c-1609" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4430">569</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="c-1610" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4431">834</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="c-1611" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4432">787</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="c-1612" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4433">416,841</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="c-1613" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4434">&#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="c-1614" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4435">74,614</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="c-1615" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4436">14,093</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="c-1616" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4437">5,452</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="c-1617" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4438">2,355</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="c-1618" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4439">4,157</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="c-1619" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4440">2,223</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="c-1620" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4441">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="c-1621" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4442">1,454</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="c-1622" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4443">445</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="c-1623" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4444">105,159</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="c-1624" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4445">&#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="c-1625" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4446">388</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="c-1626" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4447">73</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="c-1627" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4448">142</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="c-1628" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4449">70</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="c-1629" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4450">142</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="c-1630" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4451">549</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="c-1631" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4452">122</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="c-1632" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4453">5</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="c-1633" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4454">87</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="c-1634" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4455">46</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-90" continuedAt="f-1980-91"><ix:continuation id="f-4323-1"><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 style="width:19.238%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.152%"/><td style="width:0.1%"/></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 2023. 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 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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-1635" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4456">10,353</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="c-1636" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4457">61,678</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="c-1637" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4458">&#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="c-1638" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4459">&#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="c-1639" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4460">&#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="c-1640" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4461">&#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="c-1641" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4462">&#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="c-1642" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4463">&#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="c-1643" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4464">&#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="c-1644" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4465">&#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="c-1645" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4466">72,031</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="c-1646" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4467">&#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="c-1647" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4468">4,676</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1648" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4469">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1649" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4470">543</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1650" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4471">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1651" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4472">602</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1652" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4473">602</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1653" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4474">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1654" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4475">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="c-1655" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4476">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1656" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4477">7,672</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="c-1657" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4478">&#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="c-1658" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4479">1,288</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="c-1659" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4480">1,261</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="c-1660" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4481">1,049</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="c-1661" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4482">385</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1662" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4483">649</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1663" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4484">2,019</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1664" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4485">965</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1665" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4486">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1666" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4487">1,291</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="c-1667" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4488">9,882</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="c-1668" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4489">&#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="c-1669" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4490">42,407</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1670" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4491">21,683</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1671" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4492">6,890</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1672" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4493">3,398</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1673" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4494">2,596</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1674" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4495">3,319</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1675" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4496">3,817</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="c-1676" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4497">2,133</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1677" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4498">139</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1678" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4499">86,382</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="c-1679" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4500">&#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="c-1680" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4501">28,644</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1681" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4502">30,850</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1682" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4503">28,239</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="c-1683" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4504">16,434</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="c-1684" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4505">19,029</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1685" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4506">41,267</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="c-1686" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4507">32,769</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="c-1687" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4508">45,116</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="c-1688" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4509">104,086</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="c-1689" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4510">346,433</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="c-1690" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4511">&#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="c-1691" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4512">2,167</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1692" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4513">6,011</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1693" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4514">2,633</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="c-1694" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4515">2,578</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="c-1695" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4516">11,950</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="c-1696" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4517">15,266</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1697" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4518">14,016</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1698" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4519">29,245</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1699" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4520">34,558</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1700" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4521">118,424</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 style="width:19.238%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.152%"/><td style="width:0.1%"/></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 2023. 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 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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-1701" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4522">&#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="c-1702" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4523">1,187</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="c-1703" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4524">3,889</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="c-1704" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4525">8,518</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="c-1705" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4526">4,935</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="c-1706" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4527">4,225</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="c-1707" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4528">10,296</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="c-1708" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4529">7,990</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="c-1709" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4530">11,175</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="c-1710" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4531">22,424</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="c-1711" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4532">74,639</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="c-1712" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4533">2,092</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1713" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4534">3,669</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1714" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4535">1,076</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1715" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4536">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="c-1716" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4537">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1717" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4538">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1718" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4539">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1719" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4540">46</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1720" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4541">198</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1721" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4542">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="c-1722" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4543">10,011</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="c-1723" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4544">8,507</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1724" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4545">5,526</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1725" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4546">2,806</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="c-1726" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4547">1,036</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1727" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4548">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="c-1728" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4549">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="c-1729" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4550">1,033</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1730" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4551">618</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1731" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4552">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="c-1732" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4553">638</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1733" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4554">22,535</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="c-1734" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4555">304,096</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="c-1735" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4556">44,745</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1736" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4557">16,225</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1737" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4558">11,855</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="c-1738" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4559">3,905</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1739" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4560">5,500</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1740" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4561">1,753</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="c-1741" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4562">1,029</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1742" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4563">758</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1743" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4564">1,092</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1744" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4565">390,959</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="c-1745" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4566">&#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="c-1746" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4567">86,908</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1747" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4568">30,028</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="c-1748" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4569">6,107</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1749" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4570">2,274</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="c-1750" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4571">1,821</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="c-1751" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4572">2,630</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1752" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4573">1,111</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1753" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4574">2,060</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="c-1754" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4575">677</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1755" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4576">133,615</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="c-1756" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4577">&#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="c-1757" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4578">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1758" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4579">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="c-1759" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4580">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="c-1760" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4581">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1761" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4582">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="c-1762" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4583">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1763" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4584">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1764" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4585">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="c-1765" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4586">2,616</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="c-1766" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4587">3,009</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 style="width:19.238%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.152%"/><td style="width:0.1%"/></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 2022. Contractual maturities (Millions of Euros)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-1767" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4588">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1768" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4589">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1769" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4590">&#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="c-1770" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4591">&#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="c-1771" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4592">&#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="c-1772" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4593">&#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="c-1773" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4594">&#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="c-1774" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4595">&#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="c-1775" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4596">&#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="c-1776" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4597">&#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="c-1777" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4598">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1778" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4599">&#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="c-1779" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4600">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1780" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4601">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1781" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4602">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1782" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4603">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1783" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4604">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1784" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4605">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1785" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4606">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1786" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4607">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1787" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4608">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1788" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4609">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1789" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4610">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1790" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4611">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1791" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4612">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1792" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4613">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1793" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4614">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1794" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4615">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1795" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4616">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1796" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4617">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1797" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4618">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1798" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4619">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1799" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4620">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1800" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4621">&#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="c-1801" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4622">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1802" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4623">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1803" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4624">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1804" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4625">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1805" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4626">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1806" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4627">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1807" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4628">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1808" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4629">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1809" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4630">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1810" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4631">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1811" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4632">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1812" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4633">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1813" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4634">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1814" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4635">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1815" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4636">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1816" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4637">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1817" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4638">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1818" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4639">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1819" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4640">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1820" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4641">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1821" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4642">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1822" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" scale="6" id="f-4643">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4644">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1824" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4645">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1825" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4646">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1826" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4647">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1827" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4648">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1828" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4649">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1829" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4650">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1830" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4651">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1831" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4652">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1832" decimals="-6" name="bbva:FinancialAssetsLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4653">107,338</ix:nonFraction></span></td></tr></table><table 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:19.238%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.152%"/><td style="width:0.1%"/></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 2022. 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 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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-1833" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4654">&#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="c-1834" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4655">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="c-1835" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4656">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="c-1836" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4657">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="c-1837" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4658">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="c-1838" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4659">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="c-1839" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4660">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="c-1840" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4661">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="c-1841" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4662">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="c-1842" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4663">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="c-1843" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4664">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="c-1844" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4665">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="c-1845" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4666">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="c-1846" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4667">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="c-1847" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4668">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="c-1848" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4669">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="c-1849" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4670">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="c-1850" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4671">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="c-1851" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4672">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="c-1852" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4673">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="c-1853" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4674">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="c-1854" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4675">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="c-1855" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4676">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="c-1856" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4677">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="c-1857" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4678">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="c-1858" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4679">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="c-1859" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4680">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="c-1860" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4681">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="c-1861" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4682">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="c-1862" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4683">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="c-1863" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4684">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="c-1864" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4685">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="c-1865" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4686">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="c-1866" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4687">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="c-1867" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4688">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="c-1868" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4689">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="c-1869" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4690">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="c-1870" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4691">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="c-1871" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4692">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="c-1872" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4693">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="c-1873" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4694">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="c-1874" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4695">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="c-1875" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4696">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="c-1876" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4697">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="c-1877" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4698">&#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="c-1878" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4699">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="c-1879" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4700">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="c-1880" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4701">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="c-1881" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4702">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="c-1882" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4703">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="c-1883" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4704">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="c-1884" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4705">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="c-1885" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4706">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="c-1886" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4707">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="c-1887" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4708">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="c-1888" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:fixed-zero" scale="6" id="f-4709">&#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="c-1889" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4710">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="c-1890" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4711">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="c-1891" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4712">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="c-1892" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4713">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="c-1893" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4714">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="c-1894" decimals="-6" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4715">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="c-1895" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4716">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="c-1896" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" scale="6" id="f-4717">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="c-1897" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4718">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="c-1898" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLiquidityRisk" format="ixt:num-dot-decimal" scale="6" id="f-4719">5,383</ix:nonFraction>)</span></td></tr></table></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 receives a better 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 most relevant aspects related to the main geographical areas are the following:</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-91" continuedAt="f-1980-92"><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">In Spain, BBVA, S.A. has maintained a position with a high-quality liquidity buffer, having repaid the entire TLTRO III program, maintaining at all times the regulatory liquidity metrics well above the set minimums. During 2024, commercial activity has shown dynamism, experiencing higher growth in lending than in customer deposits.</span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><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:9.18pt">BBVA Mexico showed an adequate liquidity situation, even though the credit gap increased in 2024 as a result of the strong dynamism of credit and contained growth in deposits as a result of management efforts to restrain the cost of funds.</span></div><div style="text-align:justify;text-indent:3.82pt"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><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:9.18pt">In Turkey, the credit gap in local currency grew in 2024, with loan growth outpacing deposits. Regarding the credit gap in foreign currency, an increase was also recorded in 2024, mainly originated by an increase in loans and a decrease in deposits. The liquidity buffer has been reduced, mainly due to the relevant reserve requirement for foreign currency deposits (which led to an increase in loans to the CBRT) and the mentioned increase in the credit gap. During 2024, the CBRT has continued updating its measures to de-dollarize the economy and control inflation.</span></div><div style="text-align:justify;text-indent:3.82pt"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><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:9.18pt">In South America, liquidity remained adequate throughout the region in 2024. In BBVA Argentina, the growth of excess liquidity in Argentine pesos slowed, due to the increase in loans in the last quarter of the year, which exceeded deposits, despite a strong increase in U.S. dollar deposits. In BBVA Colombia, the credit gap decreased in the year favored by the growth in deposits. BBVA Peru has shown a decrease in credit gap in 2024, with greater growth in deposits than in loans, both in local currency and in U.S. dollars.</span></div><div style="text-align:justify;text-indent:3.82pt"><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%">The main wholesale financing transactions carried out by the BBVA Group during 2024 are listed below:</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="bbva:WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock" id="f-4720" escape="true"><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 style="width:10.456%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:17.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.072%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.459%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issuer</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Type of issue</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:7pt;font-weight:700;line-height:120%">Date of issue</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:7pt;font-weight:700;line-height:120%">Nominal (millions)</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:7pt;font-weight:700;line-height:120%">Currency</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:7pt;font-weight:700;line-height:120%">Coupon</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:7pt;font-weight:700;line-height:120%">Early redemption</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:7pt;font-weight:700;line-height:120%">Maturity date</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="10" style="border-top:0.75pt 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%">BBVA, S.A.</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.75pt 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%">Senior preferred </span></td><td colspan="3" style="border-top:0.75pt 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%">Jan-24</span></td><td colspan="3" style="border-top:0.75pt 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="eur" contextRef="c-1899" decimals="-6" name="bbva:SeniorPreferred" format="ixt:num-dot-decimal" scale="6" id="f-4721">1,250</ix:nonFraction></span></td><td colspan="3" style="border-top:0.75pt 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%">EUR</span></td><td colspan="3" style="border-top:0.75pt 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%">3.875%</span></td><td colspan="3" style="border-top:0.75pt 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%">&#8212;</span></td><td colspan="3" style="border-top:0.75pt 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%">Jan-34</span></td></tr><tr style="height:23pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 2</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Feb-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1900" decimals="-6" name="bbva:Tier2" format="ixt:num-dot-decimal" scale="6" id="f-4722">1,250</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.875%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nov-30 to Feb-31</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Feb-36</span></td></tr><tr style="height:15pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-24</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1901" decimals="-6" name="bbva:SeniorPreferred" format="ixt:num-dot-decimal" scale="6" id="f-4723">1,000</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.381%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-29</span></td></tr><tr style="height:15pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior non-preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-24</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1902" decimals="-6" name="bbva:SeniorNonPreferred" format="ixt:num-dot-decimal" scale="6" id="f-4724">1,000</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.033%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-34</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-35</span></td></tr><tr style="height:21pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred (green bond)</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1903" decimals="-6" name="bbva:SeniorPreferredGreenBond" format="ixt:num-dot-decimal" scale="6" id="f-4725">1,000</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.500%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-31</span></div></td></tr><tr style="height:30pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1904" decimals="-6" name="bbva:SeniorPreferred" format="ixt:num-dot-decimal" scale="6" id="f-4726">1,000</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 month Euribor rate + 45 basis points</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-27</span></div></td></tr><tr style="height:15pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1905" decimals="-6" name="bbva:SeniorPreferred" scale="6" id="f-4727">750</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.625%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-30</span></div></td></tr><tr style="height:23pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 (CoCo)</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1906" decimals="-6" name="bbva:AT1CoCo" scale="6" id="f-4728">750</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.875%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dec-30 to Jun-31</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr style="height:23pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 2</span></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Aug-24</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1907" decimals="-6" name="bbva:Tier2" format="ixt:num-dot-decimal" scale="6" id="f-4729">1,000</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.375%</span></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">May-31 to Aug-31</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Aug-36</span></div></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></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%">Additionally, BBVA, S.A. redeemed two capital issuances in 2024: in February 2024, a Tier 2 issuance of subordinated bonds issued in February 2019, for an amount of &#8364;750 million and, in March 2024, on its first date of optional redemption, an AT1 issued in 2019, for an amount of &#8364;1 billion (see Note 22.4.1). Likewise, in December 2024, a redemption of a Tier 2 issuance of subordinated bonds issued in January 2020, for an amount of &#8364;1 billion, was announced and it was effectively redeemed in January 2025. Furthermore, on January 14, 2025, BBVA, S.A. issued an AT1 for an amount of USD 1 billion, with an early redemption option after seven years. On January 28, 2025, BBVA announced its irrevocable decision to fully redeem on March 5, 2025, an AT1 issued in 2019 for USD 1 billion (see Note 22.4). In addition, on February 17, 2025 BBVA, S.A. announced a 12-year Tier 2 subordinated bond of &#8364;1 billion to be issued on February 25, with a call option in February 2032. </span></div><div style="margin-bottom:10pt;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 January 2024, BBVA Mexico issued Tier 2 bonds for USD 900 million with a maturity of 15 years and an early repayment option in 10 years with a coupon of 8.125%. Additionally, in April 2024, BBVA Mexico issued bank stock certificates for 15 billion Mexican pesos in two tranches. In addition, in September 2024, BBVA Mexico carried out a debt issuance of USD 600 million for a term of five years and a fixed rate of 5.25%. Lastly, in October 2024, BBVA Mexico issued local bonds for the equivalent of 15.98 billion Mexican pesos in three tranches, one of them for USD 200 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%">In Turkey, Garanti BBVA issued two Tier 2 ten-year bonds in 2024, both with an early redemption option after five years. The first, in February 2024, amounted to USD 500 million, and the second, in December 2024, amounted to USD 750 million. Simultaneously with this second issuance, a tender offer was made for a Tier 2 bond maturing in 2027, which was accepted by bondholders for a total of USD 134 million, and in December 2024, it announced the full redemption of a 750 million Turkish lira Tier 2 bond that was completed in February 2025. Additionally, in June 2024, Garanti BBVA renewed the total syndicated loan based on environmental, social and governance (ESG) criteria, which consists of two separate tranches of USD 241 million (SOFR+2.50%) and &#8364;179 million (Euribor+2.25%), respectively. Finally, in December 2024, Garanti BBVA announced the signing of a syndicated loan of USD 244 million (SOFR+1.75%) and &#8364;162.4 million (Euribor+1.50%) with a maturity of 367 days.</span></div><div style="margin-bottom:10pt;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 Peru issued, in March 2024, Tier 2 bonds in the international market for USD 300 million, with a 6.20% coupon, a 10.25-year maturity and an early redemption option in the fifth year. Alongside this issuance, a repurchase offer was launched on a USD 300 million Tier 2 subordinated bond maturing in September 2029, with USD 163 million being repurchased; the remaining USD 137 million was redeemed through the execution of the associated call option in September 2024. In December 2024, it issued the first tranche of a USD100 million social bond for a term of 5 years at SOFR+1.35%.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-1980-92" continuedAt="f-1980-93"><div style="margin-bottom:10pt;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 Colombia, together with the International Finance Corporation (IFC) and the Inter-American Development Bank (IDB) announced, in July 2024, the launch of a green biodiversity bond for an amount of USD 70 million and a term of three years. It also received a 5-year USD 50 million loan from CAF in the area of Biodiversity. Lastly, in November 2024, the first tranche of a USD 50 million subordinated bond (Tier 2) with IDB was disbursed.</span></div><div style="margin-bottom:10pt;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 Argentina issued in September 2024 in the local market the equivalent of approximately &#8364;23 million in senior debt at a floating rate of Badlar (Buenos Aires Deposits of Large Amount Rate) +5%. In addition, in December 2024 it issued two senior debt issuances, one for approximately &#8364;14 million at a TEM (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Tasa Efectiva Mensual Vencida</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) rate of 2.75% and the other for approximately &#8364;35 million at a TAMAR (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Tasa Mayorista de Argentina</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) +2.74% rate.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_739"></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><ix:continuation id="f-1980-93" continuedAt="f-1980-94"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Asset encumbrance</span></ix:continuation></div><ix:continuation id="f-1980-94"><ix:nonNumeric contextRef="c-1" name="bbva:EncumberedAndUnencumberedAsstesTableTextBlock" id="f-4730" 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, 2024, 2023 and 2022, 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 style="width:20.625%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.378%"/><td style="width:0.1%"/></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 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 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 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 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 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%">2024</span></td><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%">2023</span></td><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%">2024</span></td><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%">2023</span></td><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:0 1pt"/><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%">2024</span></td><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%">2023</span></td><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%">2024</span></td><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%">2023</span></td><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></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="c-1908" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4731">68,268</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="c-1909" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4732">78,586</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="c-1910" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4733">92,916</ix:nonFraction></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"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-1908" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4734">704,134</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:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4735">696,972</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="c-1910" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4736">619,177</ix:nonFraction></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-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="c-1911" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="f-4737">834</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="c-1912" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="f-4738">592</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="c-1913" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="f-4739">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="c-1914" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="f-4740">834</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="c-1915" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="f-4741">592</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="c-1916" decimals="-6" name="bbva:EncumberedAssets" scale="6" id="f-4742">819</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-1911" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4743">17,159</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="c-1912" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4744">13,176</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1913" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4745">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="c-1914" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4746">17,159</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="c-1915" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4747">13,176</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1916" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4748">11,293</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1917" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4749">43,404</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="c-1918" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4750">51,458</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="c-1919" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4751">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="c-1920" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4752">45,639</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1921" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4753">50,818</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1922" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4754">32,291</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1917" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4755">102,333</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="c-1918" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4756">88,976</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1919" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4757">92,665</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="c-1920" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4758">102,333</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="c-1921" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4759">88,976</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1922" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4760">92,665</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1923" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4761">24,030</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1924" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4762">26,535</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="c-1925" decimals="-6" name="bbva:EncumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4763">58,563</ix:nonFraction></span></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"/><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"/><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1923" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4764">584,641</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="c-1924" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4765">594,821</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="c-1925" decimals="-6" name="bbva:UnencumberedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4766">515,218</ix:nonFraction></span></td><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"/><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"/><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"/></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, to a lesser extent, 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:nonNumeric contextRef="c-1" name="bbva:CollateralPledgesReceivedTableTextBlock" id="f-4767" 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, 2024, 2023 and 2022, 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 style="width:25.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.916%"/><td style="width:0.1%"/></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 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 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 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 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%">2024</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%">2023</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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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%">2024</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%">2023</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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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%">2024</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%">2023</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%">2022</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="c-1926" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="f-4768">40,877</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="c-1927" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="f-4769">73,836</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:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1928" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="f-4770">40,701</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-1926" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4771">14,917</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="c-1927" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4772">14,825</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="c-1928" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4773">9,415</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-1926" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4774">1,151</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="c-1927" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" scale="6" id="f-4775">996</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="c-1928" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4776">1,279</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="c-1929" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" scale="6" id="f-4777">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1930" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="f-4778">1,019</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="c-1931" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" scale="6" id="f-4779">323</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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="c-1929" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="6" id="f-4780">162</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="c-1930" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="6" id="f-4781">51</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="c-1931" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="6" id="f-4782">759</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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="c-1929" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4783">&#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="c-1930" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4784">&#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="c-1931" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4785">&#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%">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="c-1932" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="f-4786">40,663</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1933" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="f-4787">72,817</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="c-1934" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:num-dot-decimal" scale="6" id="f-4788">40,378</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1932" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4789">14,754</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1933" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4790">14,774</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="c-1934" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4791">8,656</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1932" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4792">1,151</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1933" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" scale="6" id="f-4793">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="c-1934" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:num-dot-decimal" scale="6" id="f-4794">1,279</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1935" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:fixed-zero" scale="6" id="f-4795">&#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="c-1936" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:fixed-zero" scale="6" id="f-4796">&#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="c-1937" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:fixed-zero" scale="6" id="f-4797">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1935" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4798">&#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="c-1936" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4799">&#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="c-1937" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4800">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1935" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4801">&#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="c-1936" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4802">&#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="c-1937" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4803">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom: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%">Own debt securities issued other than own covered bonds or ABSs</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="c-1938" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:fixed-zero" scale="6" id="f-4804">&#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="c-1939" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:fixed-zero" scale="6" id="f-4805">&#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="c-1940" decimals="-6" name="bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" format="ixt:fixed-zero" scale="6" id="f-4806">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><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="c-1938" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="6" id="f-4807">66</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="c-1939" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="6" id="f-4808">74</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="c-1940" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="6" id="f-4809">92</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/><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="c-1938" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4810">&#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="c-1939" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4811">&#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="c-1940" decimals="-6" name="bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" format="ixt:fixed-zero" scale="6" id="f-4812">&#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="c-1" name="bbva:SourcesOfEncumbranceTableTextBlock" id="f-4813" 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, 2024, 2023 and 2022, 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 style="width:25.248%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.072%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.072%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.072%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.072%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.072%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.076%"/><td style="width:0.1%"/></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 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 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 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%">2024</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%">2023</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%">2022</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"/><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%">2024</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%">2023</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%">2022</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="c-1941" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4814">109,833</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="c-1942" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4815">151,766</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="c-1943" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4816">122,400</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-1941" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4817">107,067</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="c-1942" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4818">149,853</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="c-1943" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4819">128,628</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="c-1944" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4820">17,047</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="c-1945" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4821">15,895</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="c-1946" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4822">15,950</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-1944" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4823">14,698</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="c-1945" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4824">13,756</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1946" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4825">16,699</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1947" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4826">84,604</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="c-1948" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4827">126,777</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1949" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4828">95,728</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1947" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4829">81,938</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1948" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4830">126,543</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1949" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4831">99,077</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="c-1950" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4832">8,182</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1951" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4833">9,094</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1952" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4834">10,722</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1950" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4835">10,431</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1951" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4836">9,554</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1952" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4837">12,852</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="c-1953" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4838">1,141</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="c-1954" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" format="ixt:num-dot-decimal" scale="6" id="f-4839">1,066</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1955" decimals="-6" name="bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" scale="6" id="f-4840">731</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><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="c-1953" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4841">2,079</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="c-1954" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4842">2,568</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1955" decimals="-6" name="bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" format="ixt:num-dot-decimal" scale="6" id="f-4843">4,989</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-92</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_742"></div><hr style="page-break-after:always"/><div style="min-height: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%">8.</span><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory" id="f-4844" continuedAt="f-4844-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Fair value of financial instruments </span></ix:nonNumeric></div><ix:continuation id="f-4844-1" continuedAt="f-4844-2"><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 seeks to ensure 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 seek 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="i22a2e436ff7c462c96898906283f922e_745"></div><ix:continuation id="f-4844-2" continuedAt="f-4844-3"><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 are 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 and/or those obtained by other market participants.</span></div><div style="margin-bottom:10pt;margin-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, 2024, the affected instruments at fair value accounted for approximately 0.66% of financial assets and 0.48% 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 style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-93</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_748"></div><hr style="page-break-after:always"/><div style="min-height: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:-35.44pt"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">8.1</span><ix:continuation id="f-4844-3" continuedAt="f-4844-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:21.55pt">Fair value of financial instruments recognized at fair value, according to valuation criteria</span></ix:continuation></div><ix:continuation id="f-4844-4" continuedAt="f-4844-5"><div style="margin-bottom: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%">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 considers 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><ix:nonNumeric contextRef="c-1" name="bbva:FairValueOfFinancialInstrumentsByLevelsTableTextBlock" id="f-4845" continuedAt="f-4845-1" 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's financial instruments recognized at fair value in the consolidated balance sheets is presented below, broken down according to the valuation method used to determine their fair value, and their respective book value as of December 31, 2024, 2023 and 2022:</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.482%"><tr><td style="width:1.0%"/><td style="width:46.480%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.448%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.706%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.706%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.709%"/><td style="width:0.1%"/></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%">Fair value of financial instruments recognized at fair value by levels. </span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2024 (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</span></td><td colspan="3" style="display:none"/><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%">Fair value</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="display:none"/><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%">Level 1</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%">Level 2</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%">Level 3</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 colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4846">108,948</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1956" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4847">26,332</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1957" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4848">80,323</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1958" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4849">2,292</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4850">36,003</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-4851">969</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4852">34,591</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-4853">443</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4854">6,760</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4855">6,602</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-4856">76</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-4857">83</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="padding:0 1pt"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4858">27,955</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1956" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4859">18,762</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1957" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4860">8,438</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1958" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-4861">756</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:0 1pt"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4862">38,230</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1956" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-4863">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1957" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4864">37,218</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1958" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4865">1,011</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4866">10,546</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1956" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4867">8,511</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="c-1957" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-4868">617</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="c-1958" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4869">1,418</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4870">9,782</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4871">8,309</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4872">107</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4873">1,365</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4874">407</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4875">202</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4876">173</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4877">31</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:#929292;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 #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4878">358</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-4879">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4880">336</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4881">21</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4882">836</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1956" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4883">774</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="c-1957" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4884">62</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="c-1958" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:fixed-zero" scale="6" id="f-4885">&#8212;</ix:nonFraction></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"/></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%">Debt securities </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-4886">836</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-4887">774</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-4888">62</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4889">&#8212;</ix:nonFraction></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"/></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%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4890">59,002</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1956" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4891">50,354</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1957" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4892">7,515</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1958" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4893">1,133</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4894">1,451</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4895">1,157</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4896">79</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4897">216</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4898">57,526</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4899">49,173</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4900">7,436</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4901">917</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:#929292;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:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4902">25</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4903">25</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-4904">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-4905">&#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:8pt;font-weight:400;line-height:120%">Derivatives &#8211; Hedge accounting</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%">15</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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-4906">1,158</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1956" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-4907">&#8212;</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="c-1957" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-4908">1,158</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="c-1958" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-4909">&#8212;</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/></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%">Financial liabilities held for trading </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%">10</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="c-13" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4910">86,591</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1956" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4911">14,308</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="c-1957" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4912">71,072</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="c-1958" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4913">1,211</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4914">33,059</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4915">1,118</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4916">31,400</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-4917">541</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4918">13,878</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4919">13,189</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" scale="6" id="f-4920">673</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" scale="6" id="f-4921">15</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4922">39,654</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-4923">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4924">38,999</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" scale="6" id="f-4925">656</ix:nonFraction></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"/></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%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4926">14,952</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1956" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:fixed-zero" scale="6" id="f-4927">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1957" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4928">12,865</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1958" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4929">2,087</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:#929292;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:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4930">&#8212;</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4931">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4932">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4933">&#8212;</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-4934">934</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4935">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-4936">934</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4937">&#8212;</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates issued</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-4938">4,597</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4939">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-4940">2,511</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-4941">2,087</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-13" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-4942">9,420</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1956" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4943">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1957" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-4944">9,420</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1958" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4945">&#8212;</ix:nonFraction></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"/></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"/></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"/></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"/></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"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom: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;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-4946">2,503</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1956" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-4947">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1957" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-4948">2,480</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1958" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-4949">23</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-4845-1" continuedAt="f-4845-2"><ix:continuation id="f-4844-5" continuedAt="f-4844-6"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"><tr><td style="width:1.0%"/><td style="width:53.954%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.120%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.963%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:7.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.457%"/><td style="width:0.1%"/></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%">Fair value of financial instruments recognized at fair value by levels.</span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2023 (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</span></td><td colspan="3" style="display:none"/><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%">Fair value</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="display:none"/><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%">Level 1</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%">Level 2</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%">Level 3</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 colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4950">141,042</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1959" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4951">21,972</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1960" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4952">116,905</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1961" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4953">2,165</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4954">34,293</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-4955">144</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4956">33,880</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-4957">269</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4958">4,589</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4959">4,494</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-4960">24</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-4961">71</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="padding:0 1pt"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4962">28,569</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1959" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4963">17,333</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1960" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4964">11,081</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1961" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-4965">155</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:0 1pt"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4966">73,590</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1959" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-4967">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1960" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4968">71,921</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1961" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4969">1,669</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4970">8,737</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1959" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4971">7,028</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="c-1960" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-4972">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="c-1961" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4973">1,216</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4974">7,963</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4975">6,742</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4976">72</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4977">1,148</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4978">484</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4979">286</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4980">132</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4981">66</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:#929292;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-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4982">290</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-4983">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4984">288</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-4985">2</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4986">955</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1959" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4987">908</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="c-1960" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4988">47</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="c-1961" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:fixed-zero" scale="6" id="f-4989">&#8212;</ix:nonFraction></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"/></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%">Debt securities </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-4990">955</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-4991">908</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-4992">47</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-4993">&#8212;</ix:nonFraction></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"/></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%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4994">62,205</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1959" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4995">52,987</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1960" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4996">8,335</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1961" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4997">883</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4998">1,217</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4999">1,026</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5000">52</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5001">139</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5002">60,963</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5003">51,961</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5004">8,258</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5005">745</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:#929292;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:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5006">26</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-5007">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5008">26</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-5009">&#8212;</ix:nonFraction></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"/></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"/></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"/></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"/></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"/></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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-5010">1,482</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1959" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-5011">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1960" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-5012">1,482</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1961" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-5013">&#8212;</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/></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%">Financial liabilities held for trading </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%">10</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="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5014">121,715</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1959" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5015">14,133</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="c-1960" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5016">106,382</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="c-1961" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5017">1,201</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5018">33,045</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-5019">191</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5020">32,111</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-5021">743</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5022">15,735</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5023">13,942</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5024">1,750</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" scale="6" id="f-5025">44</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5026">72,935</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5027">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5028">72,520</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" scale="6" id="f-5029">415</ix:nonFraction></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"/></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%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-5030">13,299</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1959" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:fixed-zero" scale="6" id="f-5031">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1960" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-5032">11,073</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1961" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-5033">2,227</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:#929292;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:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5034">&#8212;</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5035">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5036">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5037">&#8212;</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-5038">717</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5039">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-5040">717</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5041">&#8212;</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates issued</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5042">3,977</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5043">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5044">1,751</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5045">2,227</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-20" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5046">8,605</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1959" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5047">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1960" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5048">8,605</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1961" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5049">&#8212;</ix:nonFraction></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"/></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"/></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"/></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"/></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"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom: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;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-5050">2,625</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1959" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-5051">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1960" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-5052">2,586</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1961" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-5053">39</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:continuation><div><span><br/></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-4844-6" continuedAt="f-4844-7"><ix:continuation id="f-4845-2"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"><tr><td style="width:1.0%"/><td style="width:53.954%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.120%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.963%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:7.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.457%"/><td style="width:0.1%"/></tr><tr><td colspan="18" 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%">Fair value of financial instruments recognized at fair value by levels.</span></div><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%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</span></td><td colspan="3" style="display:none"/><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%">Fair value</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="display:none"/><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%">Level 1</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%">Level 2</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%">Level 3</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 colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5054">110,671</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1962" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5055">22,710</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1963" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5056">85,636</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1964" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5057">2,325</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5058">39,908</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-5059">795</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5060">38,140</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-5061">974</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5062">4,404</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5063">4,369</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5064">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-5065">34</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="padding:0 1pt"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5066">24,367</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1962" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5067">16,284</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1963" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5068">7,934</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1964" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-5069">148</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:0 1pt"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5070">41,993</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1962" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5071">1,262</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1963" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5072">39,562</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1964" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5073">1,169</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-5074">6,888</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1962" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-5075">5,720</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="c-1963" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-5076">151</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="c-1964" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-5077">1,017</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5078">6,511</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5079">5,457</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-5080">40</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5081">1,014</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-5082">129</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-5083">19</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-5084">111</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5085">&#8212;</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:#929292;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-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-5086">247</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-5087">245</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5088">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-5089">3</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-5090">913</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1962" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-5091">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="c-1963" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:fixed-zero" scale="6" id="f-5092">&#8212;</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="c-1964" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:fixed-zero" scale="6" id="f-5093">&#8212;</ix:nonFraction></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"/></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%">Debt securities </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-5094">913</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-5095">913</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5096">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5097">&#8212;</ix:nonFraction></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"/></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%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5098">65,374</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1962" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5099">53,248</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1963" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5100">11,537</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1964" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5101">589</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5102">1,198</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5103">1,040</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5104">58</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5105">100</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5106">64,150</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5107">52,182</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5108">11,479</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5109">489</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:#929292;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:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5110">26</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5111">26</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-5112">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-5113">&#8212;</ix:nonFraction></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"/></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"/></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"/></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"/></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"/></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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-5114">1,891</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1962" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-5115">4</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1963" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-5116">1,887</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1964" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-5117">&#8212;</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/></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%">Financial liabilities held for trading </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%">10</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="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5118">95,611</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-1962" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5119">20,611</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="c-1963" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5120">73,871</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="c-1964" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5121">1,129</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5122">37,909</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-5123">746</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5124">36,161</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5125">1,002</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5126">13,487</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5127">13,354</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" scale="6" id="f-5128">133</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5129">&#8212;</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5130">44,215</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5131">6,511</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5132">37,577</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" scale="6" id="f-5133">127</ix:nonFraction></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"/></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%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-5134">10,580</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1962" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:fixed-zero" scale="6" id="f-5135">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1963" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-5136">8,990</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1964" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-5137">1,590</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:#929292;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:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5138">&#8212;</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5139">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5140">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5141">&#8212;</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-5142">700</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5143">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-5144">700</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5145">&#8212;</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates issued</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5146">3,288</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5147">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5148">1,698</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5149">1,590</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5150">6,592</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1962" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5151">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1963" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-5152">6,592</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-1964" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:fixed-zero" scale="6" id="f-5153">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom: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;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-5154">3,303</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1962" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-5155">100</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1963" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-5156">3,179</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1964" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-5157">25</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-38" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation><div><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="bbva:FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" id="f-5158" continuedAt="f-5158-1" escape="true"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The following table sets forth the main valuation techniques, hypothesis and inputs used in the estimation of fair value of the financial instruments recognized 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, 2024, 2023 and 2022.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-5158-1" continuedAt="f-5158-2"><ix:continuation id="f-4844-7" continuedAt="f-4844-8"><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><tr><td style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/><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 style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.900%"/><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:5pt;font-weight:700;line-height:120%">Fair value of Financial Instruments by levels. (Millions of Euros)</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" 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:6pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%">Valuation techniques in Levels 2 and 3</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%">Observable inputs in Levels 2 and 3</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%">Unobservable inputs in Levels 2 and 3</span></td></tr><tr style="height:15pt"><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="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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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:6pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><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="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></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%">Equity instruments </span></td><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="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%"><ix:nonNumeric contextRef="c-1965" name="bbva:ValuationTechniques" id="f-5159">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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1965" name="bbva:ObservableInputs" id="f-5160">- 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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1965" name="bbva:UnobservableInputs" id="f-5161">- 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:6pt;font-weight:400;line-height:120%">Debt securities </span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1966" name="bbva:ValuationTechniques" id="f-5162">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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1966" name="bbva:ObservableInputs" id="f-5163">- 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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1966" name="bbva:UnobservableInputs" id="f-5164">- 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:6pt;font-weight:400;line-height:120%">Loans and advances</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1967" name="bbva:ValuationTechniques" id="f-5165">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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1967" name="bbva:ObservableInputs" id="f-5166">- 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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1967" name="bbva:UnobservableInputs" id="f-5167">- 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:6pt;font-weight:400;line-height:120%">Derivatives</span></td><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="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:68pt"><td colspan="3" style="padding:2px 1pt;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 rate</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1968" name="bbva:ValuationTechniques" id="f-5168">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and  SABR<br/>Bond options: Black 76<br/>Swaptions: Black, SABR and LGM<br/>Other Interest rate Options: Black, SABR  and Libor Market Model<br/>Constant Maturity Swaps: SABR</ix:nonNumeric></span></td><td colspan="3" rowspan="5" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1969" name="bbva:ObservableInputs" id="f-5169">-  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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1968" name="bbva:UnobservableInputs" id="f-5170">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</ix:nonNumeric></span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1970" name="bbva:ValuationTechniques" id="f-5171">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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1970" name="bbva:UnobservableInputs" id="f-5172">- 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:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1971" name="bbva:ValuationTechniques" id="f-5173">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Local volatility, momentum adjustment</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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1971" name="bbva:UnobservableInputs" id="f-5174">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</ix:nonNumeric></span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:2px 1pt;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</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1972" name="bbva:ValuationTechniques" id="f-5175">Credit Derivatives: Default model and Gaussian copula</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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1972" name="bbva:UnobservableInputs" id="f-5176">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</ix:nonNumeric></span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commodities</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1973" name="bbva:ValuationTechniques" id="f-5177">Commodities: Momentum adjustment and discounted cash flows</ix:nonNumeric></span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><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="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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%">Equity instruments</span></td><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="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%"><ix:nonNumeric contextRef="c-1974" name="bbva:ValuationTechniques" id="f-5178">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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1974" name="bbva:ObservableInputs" id="f-5179">- 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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1974" name="bbva:UnobservableInputs" id="f-5180">- 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:6pt;font-weight:400;line-height:120%">Debt securities</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1975" name="bbva:ValuationTechniques" id="f-5181">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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1975" name="bbva:ObservableInputs" id="f-5182">- Issuer credit risk<br/>- Current market interest rates</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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1975" name="bbva:UnobservableInputs" id="f-5183">- 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:6pt;font-weight:400;line-height:120%">Loans and advances</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><br/><ix:nonNumeric contextRef="c-1976" name="bbva:ValuationTechniques" id="f-5184">Discounted future cash flows</ix:nonNumeric></span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1976" name="bbva:UnobservableInputs" id="f-5185">- Prepayment rates<br/>- Interest rates</ix:nonNumeric></span></td></tr><tr style="height:17pt"><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%">Financial assets designated at fair value through profit or loss</span></td><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" 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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1977" name="bbva:ValuationTechniques" id="f-5186">Present-value method<br/>(Discounted future cash flows)</ix:nonNumeric></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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1977" name="bbva:ObservableInputs" id="f-5187">- Issuer credit risk<br/>- Current market interest rates</ix:nonNumeric></span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;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="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="background-color:#dbdbdb;padding:0 1pt"/></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%">Financial assets at fair value through other comprehensive income</span></td><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="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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%">Equity instruments</span></td><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="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%"><ix:nonNumeric contextRef="c-1978" name="bbva:ValuationTechniques" id="f-5188">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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1978" name="bbva:ObservableInputs" id="f-5189">- 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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1978" name="bbva:UnobservableInputs" id="f-5190">- 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:6pt;font-weight:400;line-height:120%">Debt securities</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1979" name="bbva:ValuationTechniques" id="f-5191">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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1979" name="bbva:ObservableInputs" id="f-5192">- 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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1979" name="bbva:UnobservableInputs" id="f-5193">- 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:6pt;font-weight:700;line-height:120%">Hedging derivatives</span></td><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="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:68pt"><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%">Interest rate</span></td><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="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%"><ix:nonNumeric contextRef="c-1980" name="bbva:ValuationTechniques" id="f-5194">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and  SABR<br/>Bond options: Black 76<br/>Swaptions: Black, SABR and LGM<br/>Other Interest rate Options: Black, SABR  and Libor Market Model<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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1981" name="bbva:ObservableInputs" id="f-5195">-  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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1980" name="bbva:UnobservableInputs" id="f-5196">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</ix:nonNumeric></span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1982" name="bbva:ValuationTechniques" id="f-5197">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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1982" name="bbva:UnobservableInputs" id="f-5198">- 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:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1983" name="bbva:ValuationTechniques" id="f-5199">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Local volatility, momentum adjustment</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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1983" name="bbva:UnobservableInputs" id="f-5200">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</ix:nonNumeric></span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:2px 1pt;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</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1984" name="bbva:ValuationTechniques" id="f-5201">Credit Derivatives: Default model and Gaussian copula</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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1984" name="bbva:UnobservableInputs" id="f-5202">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</ix:nonNumeric></span></td></tr><tr style="height:17pt"><td colspan="3" style="border-bottom: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%">Commodities</span></td><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="border-bottom: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%"><ix:nonNumeric contextRef="c-1985" name="bbva:ValuationTechniques" id="f-5203">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"/></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-4844-8" continuedAt="f-4844-9"><ix:nonNumeric contextRef="c-1" name="bbva:FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock" id="f-5204" escape="true"><ix:continuation id="f-5158-2"><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><tr><td style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/><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 style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.900%"/><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%">Fair Value of Financial Instruments by Levels</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></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:6pt;font-weight:700;line-height:120%">LIABILITIES</span></td><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="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%">Valuation techniques in Levels 2 and 3</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:6pt;font-weight:700;line-height:120%">Observable inputs in Levels 2 and 3</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right: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%">Unobservable inputs in Levels 2 and 3</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"/><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 #000000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial liabilities held for trading </span></td><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="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></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%">Deposits</span></td><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="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%"><ix:nonNumeric contextRef="c-1986" name="bbva:ValuationTechniques" id="f-5205">Present-value method<br/>(Discounted future cash flows)</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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1986" name="bbva:ObservableInputs" id="f-5206">- 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;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%"><ix:nonNumeric contextRef="c-1986" name="bbva:UnobservableInputs" id="f-5207">- 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:6pt;font-weight:400;line-height:120%">Derivatives</span></td><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="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:68pt"><td colspan="3" style="padding:2px 1pt;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 rate</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1987" name="bbva:ValuationTechniques" id="f-5208">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, SABR and LGM<br/>Other Interest rate Options: Black,  SABR and Libor Market Model<br/>Constant Maturity Swaps: SABR</ix:nonNumeric></span></td><td colspan="3" rowspan="4" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1988" name="bbva:ObservableInputs" id="f-5209">-  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;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1987" name="bbva:UnobservableInputs" id="f-5210">- Beta<br/>- Correlation between tenors<br/>- Interest rates volatility</ix:nonNumeric></span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1989" name="bbva:ValuationTechniques" id="f-5211">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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1989" name="bbva:UnobservableInputs" id="f-5212">- Volatility of volatility<br/>- Assets correlation</ix:nonNumeric></span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1990" name="bbva:ValuationTechniques" id="f-5213">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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1990" name="bbva:UnobservableInputs" id="f-5214">- Volatility of volatility<br/>- Assets correlation</ix:nonNumeric></span></td></tr><tr style="height:39pt"><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%">Credit</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1991" name="bbva:ValuationTechniques" id="f-5215">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;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1991" name="bbva:UnobservableInputs" id="f-5216">- 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;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commodities</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1992" name="bbva:ValuationTechniques" id="f-5217">Commodities: Momentum adjustment and discounted cash flows</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#DADADA;padding:0 1pt"/></tr><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%">Short positions </span></td><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="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%"><ix:nonNumeric contextRef="c-1993" name="bbva:ValuationTechniques" id="f-5218">Present-value method<br/>(Discounted future cash flows)</ix:nonNumeric></span></td><td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #FFFFFF;padding:0 1pt"/><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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1993" name="bbva:UnobservableInputs" id="f-5219">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Current market interest rates</ix:nonNumeric></span></td></tr><tr><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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss</span></td><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="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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1994" name="bbva:ValuationTechniques" id="f-5220">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="c-1994" name="bbva:ObservableInputs" id="f-5221"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Prepayment rates</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Issuer&#180;s credit risk</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1994" name="bbva:UnobservableInputs" id="f-5222">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Current market interest rates</ix:nonNumeric></span></td></tr><tr><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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Derivatives &#8211; Hedge accounting</span></td><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="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></tr><tr style="height:68pt"><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 rate</span></td><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="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%"><ix:nonNumeric contextRef="c-1995" name="bbva:ValuationTechniques" id="f-5223">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, SABR and LGM<br/>Other Interest rate Options: Black,  SABR and Libor Market Model<br/>Constant Maturity Swaps: SABR</ix:nonNumeric></span></td><td colspan="3" rowspan="5" style="border-bottom:1pt solid #000;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%"><ix:nonNumeric contextRef="c-1996" name="bbva:ObservableInputs" id="f-5224">-  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: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%"><ix:nonNumeric contextRef="c-1995" name="bbva:UnobservableInputs" id="f-5225">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</ix:nonNumeric></span></td></tr><tr style="height:32pt"><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%">Equity</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1997" name="bbva:ValuationTechniques" id="f-5226">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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1997" name="bbva:UnobservableInputs" id="f-5227">- 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:32pt"><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%">Foreign exchange and gold</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1998" name="bbva:ValuationTechniques" id="f-5228">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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1998" name="bbva:UnobservableInputs" id="f-5229">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</ix:nonNumeric></span></td></tr><tr style="height:39pt"><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%">Credit</span></td><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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1999" name="bbva:ValuationTechniques" id="f-5230">Credit Derivatives: Default model and Gaussian copula</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:6pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1999" name="bbva:UnobservableInputs" id="f-5231">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</ix:nonNumeric></span></td></tr><tr style="height:17pt"><td colspan="3" style="border-bottom:1pt solid #000;border-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%">Commodities</span></td><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="border-bottom: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%"><ix:nonNumeric contextRef="c-2000" name="bbva:ValuationTechniques" id="f-5232">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;padding:0 1pt"/></tr></table></div></ix:continuation></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:130%">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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-98</span></div></div></div><hr style="page-break-after:always"/><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="f-4844-9" continuedAt="f-4844-10"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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><ix:nonNumeric contextRef="c-1" name="bbva:UnobservableInputsTableTextBlock" id="f-5233" continuedAt="f-5233-1" 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:133%">Quantitative information of unobservable inputs used to calculate level 3 valuations is presented below as of December 31, 2024, 2023 and 2022.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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><ix:continuation id="f-5233-1" continuedAt="f-5233-2"><ix:continuation id="f-4844-10" continuedAt="f-4844-11"><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:99.794%"><tr><td style="width:1.0%"/><td style="width:19.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.270%"/><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="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 2024</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="c-2001" decimals="4" name="bbva:CreditSpread" format="ixt:fixed-zero" scale="6" id="f-5234">&#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="c-2002" decimals="4" name="bbva:CreditSpread" scale="6" id="f-5235">113</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="c-2003" decimals="4" name="bbva:CreditSpread" format="ixt:num-dot-decimal" scale="6" id="f-5236">3,907</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%">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="c-2001" decimals="2" name="bbva:RecoveryRate" scale="-2" id="f-5237">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="c-2002" decimals="2" name="bbva:RecoveryRate" scale="-2" id="f-5238">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="c-2003" decimals="2" name="bbva:RecoveryRate" scale="-2" id="f-5239">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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2004" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="f-5240">0</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="c-2005" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="f-5241">95</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="c-2006" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="f-5242">233</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 colspan="12" rowspan="2" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"/></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"/></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="c-2007" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="f-5243">2.09</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="c-2008" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="f-5244">3.70</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="c-2009" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="f-5245">7.11</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%">%</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:top"><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="c-2010" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="f-5246">19</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="c-2011" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="f-5247">59</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="c-2012" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="f-5248">92</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="c-2013" decimals="6" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="f-5249">&#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="c-2014" decimals="6" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="f-5250">&#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="c-2015" decimals="6" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="f-5251">&#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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends (2)</span></td><td colspan="12" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"/></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="c-2016" decimals="2" sign="-" name="bbva:Correlations" scale="-2" id="f-5252">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="c-2017" decimals="2" name="bbva:Correlations" scale="-2" id="f-5253">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="c-2018" decimals="2" name="bbva:Correlations" scale="-2" id="f-5254">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="c-2016" decimals="6" name="bbva:Volatility" scale="6" id="f-5255">5.07</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="vegas" contextRef="c-2017" decimals="6" name="bbva:Volatility" scale="6" id="f-5256">30.90</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="c-2018" decimals="6" name="bbva:Volatility" scale="6" id="f-5257">122.35</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%">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="c-2019" decimals="6" name="bbva:Volatility" scale="6" id="f-5258">3.93</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="c-2020" decimals="6" name="bbva:Volatility" scale="6" id="f-5259">9.46</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="c-2021" decimals="6" name="bbva:Volatility" scale="6" id="f-5260">14.91</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="c-2022" decimals="4" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="f-5261">3.00</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="number" contextRef="c-2023" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="f-5262">5</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="c-2024" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="f-5263">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%">%</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="c-2022" decimals="0" sign="-" name="bbva:CorrelationRateCredit" scale="-2" id="f-5264">100</ix:nonFraction> %)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2024" decimals="0" name="bbva:CorrelationRateCredit" scale="-2" id="f-5265">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="number" contextRef="c-2022" decimals="2" name="bbva:CorrelationRateinflation" scale="-2" id="f-5266">42</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="c-2023" decimals="2" name="bbva:CorrelationRateinflation" scale="-2" id="f-5267">74</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="c-2024" decimals="2" name="bbva:CorrelationRateinflation" scale="-2" id="f-5268">95</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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div><div style="text-align:justify"><span><br/></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:99.024%"><tr><td style="width:1.0%"/><td style="width:18.962%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.050%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.050%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.697%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.836%"/><td style="width:0.1%"/></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 2023</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="c-2025" decimals="-6" name="bbva:CreditSpread" format="ixt:fixed-zero" scale="6" id="f-5269">&#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="c-2026" decimals="-6" name="bbva:CreditSpread" scale="6" id="f-5270">136</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="c-2027" decimals="-6" name="bbva:CreditSpread" format="ixt:num-dot-decimal" scale="6" id="f-5271">4,369</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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%">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="c-2025" decimals="2" name="bbva:RecoveryRate" scale="-2" id="f-5272">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="c-2026" decimals="2" name="bbva:RecoveryRate" scale="-2" id="f-5273">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="c-2027" decimals="2" name="bbva:RecoveryRate" scale="-2" id="f-5274">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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2028" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="f-5275">0</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="c-2029" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="f-5276">99</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="c-2030" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="f-5277">237</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 colspan="12" rowspan="2" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"/></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"/></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="c-2031" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="f-5278">2.26</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="c-2032" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="f-5279">3.74</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%"><ix:nonFraction unitRef="number" contextRef="c-2033" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="f-5280">5.76</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" 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:top"><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="c-2034" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="f-5281">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="c-2035" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="f-5282">60</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="c-2036" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="f-5283">85</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="c-2037" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="f-5284">&#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="c-2038" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="f-5285">&#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="c-2039" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="f-5286">&#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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends (2)</span></td><td colspan="12" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"/></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="c-2040" decimals="2" sign="-" name="bbva:Correlations" scale="-2" id="f-5287">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="c-2041" decimals="2" name="bbva:Correlations" scale="-2" id="f-5288">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="c-2042" decimals="2" name="bbva:Correlations" scale="-2" id="f-5289">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="c-2040" decimals="0" name="bbva:Volatility" scale="6" id="f-5290">8.47</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="vegas" contextRef="c-2041" decimals="0" name="bbva:Volatility" scale="6" id="f-5291">29.41</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="vegas" contextRef="c-2042" decimals="0" name="bbva:Volatility" scale="6" id="f-5292">70.94</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:bottom"><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="c-2043" decimals="0" name="bbva:Volatility" scale="6" id="f-5293">4.31</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="c-2044" decimals="0" name="bbva:Volatility" scale="6" id="f-5294">10.24</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="c-2045" decimals="0" name="bbva:Volatility" scale="6" id="f-5295">18.52</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="c-2046" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="f-5296">3.00</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="c-2047" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="f-5297">5</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="c-2048" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="f-5298">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%">%</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="c-2046" decimals="0" sign="-" name="bbva:CorrelationRateCredit" scale="-2" id="f-5299">100</ix:nonFraction> %)</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2048" decimals="0" name="bbva:CorrelationRateCredit" scale="-2" id="f-5300">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%">Correlation rate/inflation</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="number" contextRef="c-2046" decimals="2" name="bbva:CorrelationRateinflation" scale="-2" id="f-5301">52</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="number" contextRef="c-2047" decimals="2" name="bbva:CorrelationRateinflation" scale="-2" id="f-5302">60</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="number" contextRef="c-2048" decimals="2" name="bbva:CorrelationRateinflation" scale="-2" id="f-5303">74</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></div><div style="text-align:justify"><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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div></ix:continuation></ix:continuation><div style="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-5233-2"><ix:continuation id="f-4844-11" continuedAt="f-4844-12"><div style="margin-bottom:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><tr><td style="width:1.0%"/><td style="width:20.967%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.653%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.004%"/><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:8.162%"/><td style="width:0.1%"/></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 2022</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:bottom"><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="c-2049" decimals="-6" name="bbva:CreditSpread" format="ixt:fixed-zero" scale="6" id="f-5304">&#8212;</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="c-2050" decimals="-6" name="bbva:CreditSpread" scale="6" id="f-5305">111</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="c-2051" decimals="-6" name="bbva:CreditSpread" format="ixt:num-dot-decimal" scale="6" id="f-5306">1,538</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%">bp</span></td></tr><tr style="height:13pt"><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%">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="c-2049" decimals="2" name="bbva:RecoveryRate" scale="-2" id="f-5307">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="c-2050" decimals="2" name="bbva:RecoveryRate" scale="-2" id="f-5308">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="c-2051" decimals="2" name="bbva:RecoveryRate" scale="-2" id="f-5309">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%">%</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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2052" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="f-5310">2</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="c-2053" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="f-5311">94</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="c-2054" decimals="2" name="bbva:ComparablePricesInputs" scale="-2" id="f-5312">139</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 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:bottom"><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 colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"/></tr><tr style="height:14pt"><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%">Comparable pricing</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></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:bottom"><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:bottom"><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="c-2055" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="f-5313">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="c-2056" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="f-5314">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="c-2057" decimals="4" name="bbva:RepoFundingCurve" scale="-2" id="f-5315">5.52</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%">%</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:bottom"><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:bottom"><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="c-2058" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="f-5316">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="c-2059" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="f-5317">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="c-2060" decimals="2" name="bbva:CorrelationDefault" scale="-2" id="f-5318">58</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%">%</span></td></tr><tr style="height:15pt"><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%">Black 76</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%">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="c-2061" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="f-5319">&#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="c-2062" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="f-5320">&#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="c-2063" decimals="2" name="bbva:PriceVolatility" format="ixt:fixed-zero" scale="6" id="f-5321">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends (2)</span></td><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"/></tr><tr style="height:15pt"><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%">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="c-2064" decimals="2" sign="-" name="bbva:Correlations" scale="-2" id="f-5322">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="c-2065" decimals="2" name="bbva:Correlations" scale="-2" id="f-5323">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="c-2066" decimals="2" name="bbva:Correlations" scale="-2" id="f-5324">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%">%</span></td></tr><tr style="height:15pt"><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%">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="c-2064" decimals="0" name="bbva:Volatility" scale="6" id="f-5325">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="c-2065" decimals="0" name="bbva:Volatility" scale="6" id="f-5326">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="c-2066" decimals="0" name="bbva:Volatility" scale="6" id="f-5327">98.71</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%">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:bottom"><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:bottom"><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="c-2067" decimals="0" name="bbva:Volatility" scale="6" id="f-5328">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="c-2068" decimals="0" name="bbva:Volatility" scale="6" id="f-5329">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="c-2069" decimals="0" name="bbva:Volatility" scale="6" id="f-5330">20.73</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%">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:bottom"><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="c-2070" decimals="4" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="f-5331">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="c-2071" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="f-5332">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="c-2072" decimals="2" name="bbva:BetaSignificantUnobservableInputs" scale="-2" id="f-5333">18</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%">%</span></td></tr><tr style="height:24pt"><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%">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="c-2070" decimals="0" sign="-" name="bbva:CorrelationRateCredit" scale="-2" id="f-5334">100</ix:nonFraction> %)</span></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2072" decimals="0" name="bbva:CorrelationRateCredit" scale="-2" id="f-5335">100</ix:nonFraction> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 style="height:21pt"><td colspan="3" style="border-bottom:0.25pt 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%">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="number" contextRef="c-2070" decimals="2" name="bbva:CorrelationRateinflation" scale="-2" id="f-5336">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="number" contextRef="c-2071" decimals="2" name="bbva:CorrelationRateinflation" scale="-2" id="f-5337">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="number" contextRef="c-2072" decimals="2" name="bbva:CorrelationRateinflation" scale="-2" id="f-5338">76</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%">%</span></td></tr></table></div><div style="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></ix:continuation><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The range of unobservable dividends is too wide range to be relevant.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-101</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_751"></div><hr style="page-break-after:always"/><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="f-4844-12" continuedAt="f-4844-13"><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="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">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 (hereinafter "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, 2024 and 2023, related to OCA were &#8364;393 million and &#8364;406 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%">The amounts recognized in the consolidated balance sheets as of December 31, 2024, 2023 and 2022 related to the valuation adjustments incorporated to the credit assessment derivative assets amounted to &#8364;-205 million &#8364;-133 million and &#8364;-158 million, respectively as Credit Valuation Adjustments (CVA), and amounted to &#8364;116 million, &#8364;91 million and &#8364;135 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 was &#8364;17 million for the year ended December 31, 2024 and &#8364;26 million and &#8364;0 million in 2023 and 2022, respectively.</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%">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, 2024, 2023 and 2022, &#8364;-19 million, &#8364;-16 million and &#8364;-16 million related to the FVA were recognized in the consolidated balance sheet, being the impact on results not significant.</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 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-4844-13" continuedAt="f-4844-14"><div style="margin-bottom:10pt;margin-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, 2024 corresponding to the mentioned adjustments was a net impact of &#8364;-53 million. An adjustment was also made as of December 31, 2024 on financial assets at fair value through other comprehensive income for a total of &#8364;-17 million (&#8364;-15 million and &#8364;-11 million in 2023 and 2022, respectively). </span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_754"></div><ix:continuation id="f-4844-14" continuedAt="f-4844-15"><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="c-1" name="bbva:FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" id="f-5339" 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 style="width:45.279%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.841%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;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%">2022 &#8317;&#185;&#8318;</span></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><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="c-2073" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5340">4,264</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2074" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5341">3,467</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="c-2075" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5342">3,931</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="c-2076" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5343">2,743</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2077" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5344">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="c-2078" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5345">2,054</ix:nonFraction></span></td></tr><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 &#8317;&#178;&#8318;</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="c-2079" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets" scale="6" id="f-5346">490</ix: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="c-2080" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-5347">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2081" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets" scale="6" id="f-5348">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="c-2082" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-5349">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="c-2083" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets" scale="6" id="f-5350">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="c-2084" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-5351">131</ix:nonFraction>)</span></td></tr><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="c-2079" decimals="-6" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="f-5352">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="c-2080" decimals="-6" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" format="ixt:fixed-zero" scale="6" id="f-5353">&#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="c-2081" decimals="-6" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="f-5354">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2082" decimals="-6" sign="-" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="f-5355">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="c-2083" decimals="-6" sign="-" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="f-5356">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="c-2084" decimals="-6" name="bbva:ChangesInFairValueNotRecognizedInProfitAndLoss" scale="6" id="f-5357">14</ix:nonFraction></span></td></tr><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></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="c-2079" decimals="-6" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="f-5358">397</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2080" decimals="-6" sign="-" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="f-5359">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2081" decimals="-6" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="f-5360">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2082" decimals="-6" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="f-5361">374</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2083" decimals="-6" sign="-" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="f-5362">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="c-2084" decimals="-6" name="bbva:AcquisitionsDisposalsAndLiquidations" scale="6" id="f-5363">782</ix:nonFraction></span></td></tr><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="c-2079" decimals="-6" sign="-" name="bbva:NetTransfersToLevel3" scale="6" id="f-5364">330</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2080" decimals="-6" sign="-" name="bbva:NetTransfersToLevel3" scale="6" id="f-5365">165</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2081" decimals="-6" name="bbva:NetTransfersToLevel3" scale="6" id="f-5366">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="c-2082" decimals="-6" name="bbva:NetTransfersToLevel3" scale="6" id="f-5367">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="c-2083" decimals="-6" sign="-" name="bbva:NetTransfersToLevel3" scale="6" id="f-5368">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="c-2084" decimals="-6" name="bbva:NetTransfersToLevel3" scale="6" id="f-5369">74</ix:nonFraction></span></td></tr><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="c-2079" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="f-5370">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2080" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="f-5371">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2081" decimals="-6" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="f-5372">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="c-2082" decimals="-6" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="f-5373">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="c-2083" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="f-5374">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="c-2084" decimals="-6" sign="-" name="bbva:ExchangeDifferencesAndOthers" scale="6" id="f-5375">50</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="c-2085" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5376">4,843</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="c-2086" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5377">3,321</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="c-2073" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5378">4,264</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="c-2074" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5379">3,467</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="c-2075" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5380">3,931</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="c-2076" decimals="-6" name="bbva:FinancialInstrumentsLevel3Total" format="ixt:num-dot-decimal" scale="6" id="f-5381">2,743</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-39" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"><ix:footnote id="fn-40" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) Profit or loss that is attributable to gains or losses relating to those financial assets and liabilities held as of December 31, 2024, 2023 and 2022. Valuation adjustments are recorded under the heading &#8220;Gains (losses) on financial assets and liabilities (net)&#8221;</ix:footnote>.</span></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="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 2024, there was an increase in positions classified as level 3, mainly concentrated in cash fixed-income positions due to unobservability in market prices applied in their valuation. No significant changes were observed in other positions, such as derivatives, reverse repurchase agreements and cash variable-income positions.</span></div><div style="margin-bottom:10pt;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 2023, as a result of the implementation of the multifactor criteria in the classification, which considered all the risk factors of the exposures, their observability and uncertainty, there was a reduction in exposure to level 3 derivatives, offset by an increase in exposure classified at level 3 in repurchase agreements positions due to unobservability in the inputs used in their valuation. The increase in Level 3 exposure was mainly related to cash positions of variable income and fixed income due to unobservability in their prices.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:120%">In 2022, the net volume of exposures classified as level 3 was reduced. This reduction was 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 was mitigated by the increase in the volume of level 3 exposures in derivatives, for which there was worse observability in the market of the inputs used in their fair value 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%">For the years ended December 31, 2024, 2023 and 2022, the profit/loss on sales of financial instruments classified as level 3 recognized in the consolidated income statement was not material.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_757"></div><ix:continuation id="f-4844-15" continuedAt="f-4844-16"><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, derivative positions, deposits, loans and advances from 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><div style="margin-bottom:10pt;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 quarterly basis, the positions of equity instruments and debt securities are classified, following these criteria, by the local areas in coordination with Global Markets Valuation.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:nonNumeric contextRef="c-1" name="bbva:TransferBetweenLevelsTableTextBlock" id="f-5382" escape="true"><ix:continuation id="f-4844-16" continuedAt="f-4844-17"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 are at the following amounts in the consolidated balance sheets as of December 31, 2024, 2023 and 2022:</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 style="width:31.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.507%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.183%"/><td style="width:0.1%"/></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 2024 (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 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 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 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 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 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 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 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 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"/></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 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="c-2087" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5383">115</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="c-2087" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5384">&#8212;</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="c-2088" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5385">1,238</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="c-2088" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5386">78</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="c-2089" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5387">16</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="c-2089" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5388">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: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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2090" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5389">68</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2090" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="f-5390">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="c-2091" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="f-5391">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="c-2091" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5392">&#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="c-2092" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5393">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="c-2092" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5394">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: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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2093" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5395">&#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="c-2093" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5396">&#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="c-2094" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="f-5397">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="c-2094" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5398">&#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="c-2095" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5399">&#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="c-2095" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5400">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2096" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5401">1,425</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="c-2096" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="f-5402">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="c-2097" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5403">1,348</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2097" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5404">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="c-2098" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5405">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="c-2098" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5406">170</ix:nonFraction></span></td></tr><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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2099" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5407">&#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="c-2099" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5408">&#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="c-2100" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5409">&#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="c-2100" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5410">&#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="c-2101" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5411">&#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="c-2101" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5412">&#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 colspan="3" style="background-color:#5AC4C4;border-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="c-2102" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5413">1,608</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="c-2102" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="f-5414">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2103" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5415">2,586</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="c-2103" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5416">90</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="c-2104" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5417">64</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="c-2104" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5418">387</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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></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 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="c-2105" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5419">107</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="c-2105" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5420">&#8212;</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="c-2106" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" scale="6" id="f-5421">461</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="c-2106" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5422">45</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="c-2107" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-5423">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="c-2107" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5424">380</ix:nonFraction></span></td></tr><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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2108" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5425">&#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="c-2108" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5426">&#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="c-2109" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5427">&#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="c-2109" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5428">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2110" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5429">&#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="c-2110" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5430">121</ix:nonFraction></span></td></tr><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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2111" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5431">&#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="c-2111" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5432">&#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="c-2112" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5433">&#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="c-2112" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5434">&#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="c-2113" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5435">&#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="c-2113" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5436">&#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 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="c-2114" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5437">107</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="c-2114" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5438">&#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="c-2115" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" scale="6" id="f-5439">461</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="c-2115" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5440">346</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="c-2116" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-5441">11</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="c-2116" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5442">501</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 style="width:20.779%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.063%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.063%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.909%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.063%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.909%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.067%"/><td style="width:0.1%"/></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 colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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 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 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 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 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 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 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 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 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 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 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 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 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"/></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 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="c-2117" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5443">887</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="c-2117" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="f-5444">34</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="c-2118" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="f-5445">89</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="c-2118" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5446">666</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="c-2119" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5447">&#8212;</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="c-2119" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5448">497</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="c-2120" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5449">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="c-2120" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="f-5450">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="c-2121" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5451">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="c-2121" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5452">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="c-2122" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5453">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="c-2122" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5454">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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2123" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5455">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="c-2123" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="f-5456">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="c-2124" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5457">&#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="c-2124" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5458">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2125" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5459">&#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="c-2125" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5460">&#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="c-2126" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5461">&#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="c-2126" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5462">&#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="c-2127" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="f-5463">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="c-2127" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5464">&#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="c-2128" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5465">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="c-2128" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5466">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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2129" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5467">&#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="c-2129" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5468">&#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="c-2130" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5469">&#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="c-2130" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5470">&#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="c-2131" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5471">&#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="c-2131" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5472">&#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="c-2132" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5473">&#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="c-2132" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5474">&#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="c-2133" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="f-5475">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="c-2133" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5476">&#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="c-2134" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5477">&#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="c-2134" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5478">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2135" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5479">1,191</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2135" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="f-5480">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2136" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5481">1,296</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2136" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5482">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2137" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5483">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="c-2137" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5484">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="c-2138" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5485">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="c-2138" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5486">&#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="c-2139" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="6" id="f-5487">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="c-2139" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5488">&#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="c-2140" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5489">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="c-2140" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5490">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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2141" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5491">&#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="c-2141" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5492">&#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="c-2142" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5493">&#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="c-2142" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5494">&#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="c-2143" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5495">&#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="c-2143" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5496">&#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="c-2144" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5497">&#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="c-2144" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5498">&#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="c-2145" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5499">&#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="c-2145" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5500">&#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="c-2146" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5501">&#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="c-2146" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-5502">&#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 colspan="3" style="background-color:#5AC4C4;border-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="c-2147" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5503">2,079</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2147" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="f-5504">190</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="c-2148" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5505">1,385</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="c-2148" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5506">941</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="c-2149" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5507">103</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="c-2149" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5508">740</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="c-2150" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5509">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="c-2150" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets" scale="6" id="f-5510">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="c-2151" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-5511">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="c-2151" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5512">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="c-2152" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-5513">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="c-2152" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" scale="6" id="f-5514">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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></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 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="c-2153" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5515">596</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="c-2153" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-5516">3</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="c-2154" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" scale="6" id="f-5517">36</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="c-2154" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5518">177</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="c-2155" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-5519">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="c-2155" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5520">372</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="c-2156" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5521">524</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="c-2156" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5522">&#8212;</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="c-2157" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" scale="6" id="f-5523">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="c-2157" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5524">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="c-2158" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5525">&#8212;</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="c-2158" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5526">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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2159" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5527">&#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="c-2159" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5528">&#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="c-2160" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5529">&#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="c-2160" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5530">660</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2161" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5531">&#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="c-2161" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5532">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2162" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5533">&#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="c-2162" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5534">&#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="c-2163" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5535">&#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="c-2163" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5536">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="c-2164" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5537">&#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="c-2164" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5538">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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2165" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5539">&#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="c-2165" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5540">&#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="c-2166" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5541">&#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="c-2166" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" format="ixt:fixed-zero" scale="6" id="f-5542">&#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="c-2167" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5543">&#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="c-2167" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5544">&#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="c-2168" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5545">&#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="c-2168" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5546">&#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="c-2169" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5547">&#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="c-2169" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5548">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="c-2170" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5549">&#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="c-2170" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5550">&#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 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="c-2171" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5551">596</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="c-2171" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-5552">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="c-2172" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" scale="6" id="f-5553">36</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="c-2172" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5554">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2173" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-5555">1</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="c-2173" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5556">635</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="c-2174" decimals="-6" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5557">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="c-2174" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5558">&#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="c-2175" decimals="-6" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" scale="6" id="f-5559">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="c-2175" decimals="-6" name="bbva:TransfersOutOfLevel2IntoLevel3" scale="6" id="f-5560">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="c-2176" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-5561">&#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="c-2176" decimals="-6" name="bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" scale="6" id="f-5562">313</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-4844-17" continuedAt="f-4844-18"><div style="margin-bottom:10pt;margin-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 financial instruments at fair value that were transferred among the different valuation levels during 2024 showed a stable performance in relation to the evolution of market observability in the inputs applied in their valuation. No significant level transfers were made from Level 1 to Level 3, with the most significant volumes of transfers concentrated between Level 1 and Level 2, and Level 2 and Level 3. In both cases, the changes were solely due to the observability conditions of market 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:130%">The amount of the financial instruments at fair value portfolio that were transferred among the different valuation levels during 2023 correspond mainly, with respect to Level 1 to Level 2, to the review of the classification among levels due to the implementation of the short term maturities model valuation of the listed options for those positions for which it is guaranteed that the inputs applied from real OTC market transactions are complied with the corroboration criteria. Additionally, there is a transfer of exposure Level 1 to Level 2 in cash positions in debt securities and equities, partially netted by a transfer of exposure Level 2 to Level 1, all directly related to the observability of the inputs. The volume of positions transferred from Level 2 to Level 3 is partly offset by the transfer of certain positions from Level 3 to Level 2, mainly in cash positions in debt securities, equities and loans and advances.</span></div><div style="margin-bottom:10pt;margin-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 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.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_760"></div><ix:continuation id="f-4844-18" continuedAt="f-4844-19"><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="c-1" name="bbva:FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" id="f-5563" 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, 2024, 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 style="width:33.568%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.070%"/><td style="width:0.1%"/></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 colspan="12" style="border-bottom:1pt solid #000000;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 #000000;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 colspan="6" style="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%">Most favorable hypothesis</span></td><td colspan="6" style="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%">Least favorable hypothesis</span></td><td colspan="6" style="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%">Most favorable hypothesis</span></td><td colspan="6" style="border-right: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:8pt;font-weight:700;line-height:120%">Least favorable hypothesis</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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:700;line-height:120%">2024</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:700;line-height:120%">2023</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:700;line-height:120%">2024</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:700;line-height:120%">2023</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:700;line-height:120%">2024</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:700;line-height:120%">2023</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:700;line-height:120%">2024</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:700;line-height:120%">2023</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 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"/><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"/><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%">Financial assets 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="c-2177" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5564">48</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="c-2178" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5565">21</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="c-2179" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5566">89</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="c-2180" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5567">117</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="c-2181" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5568">&#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="c-2182" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5569">&#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="c-2183" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5570">&#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="c-2184" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5571">&#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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2185" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5572">4</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2186" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5573">2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2187" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5574">4</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2188" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5575">2</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2189" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5576">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2190" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5577">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2191" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5578">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2192" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5579">&#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:#b6b6b6;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:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2193" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5580">37</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2194" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5581">9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2195" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5582">61</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2196" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5583">22</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2197" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5584">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2198" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5585">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2199" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5586">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2200" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5587">&#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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2201" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5588">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2202" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5589">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2203" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5590">17</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2204" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5591">83</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2205" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5592">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2206" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5593">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2207" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5594">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2208" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5595">&#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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2209" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5596">6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2210" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5597">9</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2211" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5598">6</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2212" decimals="-6" sign="-" name="bbva:FinancialAssetsHeldForTrading" scale="6" id="f-5599">9</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2213" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5600">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2214" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5601">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2215" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5602">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2216" decimals="-6" name="bbva:FinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5603">&#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%">Non-trading financial assets mandatorily at fair value through profit or loss</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="c-2177" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5604">9</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="c-2178" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5605">5</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="c-2179" decimals="-6" sign="-" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5606">85</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="c-2180" decimals="-6" sign="-" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5607">114</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="c-2181" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5608">&#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="c-2182" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5609">&#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="c-2183" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5610">&#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="c-2184" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5611">&#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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2185" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5612">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2186" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5613">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2187" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5614">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2188" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5615">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2189" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5616">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2190" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5617">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2191" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5618">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2192" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5619">&#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:#b6b6b6;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:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2193" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5620">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2194" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5621">3</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2195" decimals="-6" sign="-" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5622">7</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2196" decimals="-6" sign="-" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5623">21</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2197" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5624">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2198" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5625">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2199" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5626">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2200" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5627">&#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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2201" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5628">6</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2202" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5629">2</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2203" decimals="-6" sign="-" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5630">78</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2204" decimals="-6" sign="-" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-5631">92</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2205" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5632">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2206" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5633">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2207" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5634">&#8212;</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2208" decimals="-6" name="bbva:NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5635">&#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%">Financial assets designated at fair value through profit or loss</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="c-2177" decimals="-6" name="bbva:FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5636">&#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="c-2178" decimals="-6" name="bbva:FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5637">&#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="c-2179" decimals="-6" name="bbva:FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5638">&#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="c-2180" decimals="-6" name="bbva:FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5639">&#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="c-2181" decimals="-6" name="bbva:FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5640">&#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="c-2182" decimals="-6" name="bbva:FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5641">&#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="c-2183" decimals="-6" name="bbva:FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5642">&#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="c-2184" decimals="-6" name="bbva:FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-5643">&#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:#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-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="c-2177" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-5644">&#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="c-2178" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-5645">&#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="c-2179" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-5646">&#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="c-2180" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-5647">&#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="c-2181" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5648">48</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="c-2182" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5649">34</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="c-2183" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5650">90</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="c-2184" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5651">89</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="c-2177" decimals="-6" name="bbva:FinancialAssetsLevel3Total" scale="6" id="f-5652">57</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2178" decimals="-6" name="bbva:FinancialAssetsLevel3Total" scale="6" id="f-5653">26</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2179" decimals="-6" sign="-" name="bbva:FinancialAssetsLevel3Total" scale="6" id="f-5654">173</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" sign="-" name="bbva:FinancialAssetsLevel3Total" scale="6" id="f-5655">230</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2181" decimals="-6" name="bbva:FinancialAssetsLevel3Total" scale="6" id="f-5656">48</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2182" decimals="-6" name="bbva:FinancialAssetsLevel3Total" scale="6" id="f-5657">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:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2183" decimals="-6" sign="-" name="bbva:FinancialAssetsLevel3Total" scale="6" id="f-5658">90</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2184" decimals="-6" sign="-" name="bbva:FinancialAssetsLevel3Total" scale="6" id="f-5659">89</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 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="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 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="c-2177" decimals="-3" name="bbva:FinancialLiabilitiesHeldForTrading" scale="6" id="f-5660">12</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="c-2178" decimals="-3" name="bbva:FinancialLiabilitiesHeldForTrading" scale="6" id="f-5661">13</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="c-2179" decimals="-3" sign="-" name="bbva:FinancialLiabilitiesHeldForTrading" scale="6" id="f-5662">13</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="c-2180" decimals="-3" sign="-" name="bbva:FinancialLiabilitiesHeldForTrading" scale="6" id="f-5663">18</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="c-2181" decimals="-3" name="bbva:FinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5664">&#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="c-2182" decimals="-3" name="bbva:FinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5665">&#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="c-2183" decimals="-3" name="bbva:FinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5666">&#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="c-2184" decimals="-3" name="bbva:FinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-5667">&#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="c-2177" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" scale="6" id="f-5668">12</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2178" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" scale="6" id="f-5669">13</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2179" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLevel3Total" scale="6" id="f-5670">13</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" sign="-" name="bbva:FinancialLiabilitiesLevel3Total" scale="6" id="f-5671">18</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2181" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" format="ixt:fixed-zero" scale="6" id="f-5672">&#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="c-2182" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" format="ixt:fixed-zero" scale="6" id="f-5673">&#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="c-2183" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" format="ixt:fixed-zero" scale="6" id="f-5674">&#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="c-2184" decimals="-6" name="bbva:FinancialLiabilitiesLevel3Total" format="ixt:fixed-zero" scale="6" id="f-5675">&#8212;</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_763"></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><ix:continuation id="f-4844-19" continuedAt="f-4844-20"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Fair value of financial instruments recognized at amortized cost according to valuation method</span></ix:continuation></div><div id="i22a2e436ff7c462c96898906283f922e_766"></div><ix:continuation id="f-4844-20" continuedAt="f-4844-21"><div style="margin-bottom:10pt;margin-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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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><ix:continuation id="f-4844-21" continuedAt="f-4844-22"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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, these financial assets will be valued by discounting future cash flows using the interest rate curve adjusted by the market spread at the time of valuation and considering any behavioral hypothesis considered to be relevant (early prepayments, optionality, etc.). Therefore, their valuations will be conditioned by the interest rates and spreads of the portfolios and their durations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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><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 considered to be 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 is based on the availability of market prices or 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="i22a2e436ff7c462c96898906283f922e_769"></div><ix:nonNumeric contextRef="c-1" name="bbva:FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" id="f-5676" continuedAt="f-5676-1" escape="true"><ix:continuation id="f-4844-22" continuedAt="f-4844-23"><div style="margin-bottom:10pt;margin-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 fair value of the Group's financial instruments recognized at amortized cost in the consolidated balance sheets, broken down according to the valuation method used to determine their fair value, and their respective book value, as well as the main valuation techniques and inputs used for financial instruments classified in level 2 and level 3 as of December 31, 2024, 2023 and 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:98.046%"><tr><td style="width:1.0%"/><td style="width:29.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.458%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.321%"/><td style="width:0.1%"/></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%">Fair value of financial instruments recognized at amortized cost by levels.</span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2024 (Millions of Euros)</span></div></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/></tr><tr style="height:41pt"><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 presented as fair value &#8317;&#185;&#8318;</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%">Level 1</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%">Level 2</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%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #072146;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="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 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-left:0.25pt solid #ffffff;border-top:1pt solid #072146;padding:0 1pt"/></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%">Cash, cash balances at central banks and other demand deposits</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%">9</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5677">51,145</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5678">51,145</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-5679">&#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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-5680">&#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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-5681">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5682">51,145</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5683">502,400</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5684">32,615</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5685">50,771</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5686">24,157</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5687">394,496</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5688">502,039</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5689">59,014</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5690">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5691">50,771</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5692">6,589</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-5693">921</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5694">58,281</ix:nonFraction></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="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="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:#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%">Loans and advances</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5695">443,386</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5696">32,615</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5697">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5698">17,568</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5699">393,575</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5700">443,759</ix:nonFraction></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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;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="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%">Financial liabilities at amortized cost </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%">22</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5701">584,339</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5702">378,530</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5703">47,323</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5704">58,016</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5705">101,025</ix:nonFraction></span></td><td colspan="3" style="background-color:#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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5706">584,894</ix:nonFraction></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="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="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:#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%">Deposits</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5707">496,720</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5708">360,777</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5709">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5710">37,647</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5711">98,038</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5712">496,461</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates issued</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5713">69,867</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5714">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5715">47,323</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5716">20,369</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5717">2,986</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5718">70,679</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5719">17,753</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5720">17,753</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-5721">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-5722">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-5723">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5724">17,753</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-41" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div></ix:footnote><div style="margin-bottom:3pt;margin-top:10pt"><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 style="width:29.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.458%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.321%"/><td style="width:0.1%"/></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%">Fair value of financial instruments recognized at amortized cost by levels. </span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2023 (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr style="height:41pt"><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 presented as fair value &#8317;&#185;&#8318;</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%">Level 1</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%">Level 2</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%">Level 3</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%">Total</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 colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="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="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%">Cash, cash balances at central banks and other demand deposits</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%">9</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5725">75,416</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5726">75,416</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-5727">&#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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-5728">&#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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-5729">&#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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5730">75,416</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5731">451,732</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5732">34,826</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5733">41,950</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5734">10,533</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5735">359,062</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5736">446,371</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5737">49,462</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5738">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5739">41,950</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5740">6,244</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-5741">759</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5742">48,952</ix:nonFraction></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="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="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:#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%">Loans and advances</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5743">402,270</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5744">34,826</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5745">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5746">4,290</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5747">358,303</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5748">397,418</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/></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%">Financial liabilities at amortized cost </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%">22</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5749">557,589</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5750">358,657</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5751">42,742</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5752">86,390</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5753">68,127</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5754">555,915</ix:nonFraction></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="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="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:#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%">Deposits</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5755">473,835</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5756">343,611</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5757">1,269</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5758">62,049</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5759">64,601</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5760">471,530</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates issued</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5761">68,707</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5762">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5763">41,472</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5764">24,341</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5765">3,526</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5766">69,339</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5767">15,046</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5768">15,046</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-5769">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-5770">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-5771">&#8212;</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:7.5pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5772">15,046</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-42" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div><span><br/></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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><ix:continuation id="f-4844-23"><ix:continuation id="f-5676-1"><div><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 style="width:29.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.458%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.321%"/><td style="width:0.1%"/></tr><tr><td colspan="21" 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%">Fair value of financial instruments recognized at amortized cost by levels. </span></div><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%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/></tr><tr style="height:41pt"><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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;padding-left:0.18pt;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%">Carrying amount presented as fair value &#8317;&#178;&#8318;</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%">Level 1</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%">Level 2</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%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #072146;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%">Total</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 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="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%">Cash, cash balances at central banks and other demand deposits</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%">9</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="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5773">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="c-2227" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5774">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="c-2228" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-5775">&#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="c-2229" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-5776">&#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="c-2230" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-5777">&#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="c-2231" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5778">79,756</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5779">414,421</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="c-2227" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5780">33,953</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="c-2228" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5781">26,239</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="c-2229" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5782">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="c-2230" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5783">342,194</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="c-2231" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5784">412,965</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities </span></td><td colspan="3" style="padding:0 1pt"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5785">36,639</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5786">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2228" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5787">26,239</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2229" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5788">9,313</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2230" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-5789">759</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2231" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5790">36,311</ix:nonFraction></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="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="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:#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%">Loans and advances</span></td><td colspan="3" style="padding:0 1pt"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5791">377,782</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5792">33,953</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2228" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5793">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2229" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5794">1,267</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2230" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5795">341,435</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2231" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5796">376,655</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/></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%">Financial liabilities at amortized cost </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%">22</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="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5797">529,172</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="c-2227" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5798">380,520</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="c-2228" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5799">40,752</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="c-2229" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5800">43,205</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="c-2230" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5801">61,118</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="c-2231" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5802">525,595</ix:nonFraction></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="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="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:#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%">Deposits</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5803">459,662</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2227" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5804">369,387</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2228" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5805">2,810</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2229" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5806">35,965</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2230" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5807">49,731</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2231" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5808">457,894</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt certificates issued</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5809">55,429</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2227" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-5810">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2228" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5811">37,942</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2229" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5812">7,240</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2230" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5813">8,368</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="c-2231" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-5814">53,550</ix:nonFraction></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="3" style="padding:0 1pt"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5815">14,081</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5816">11,132</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2228" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-5817">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2229" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-5818">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2230" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5819">3,019</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2231" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5820">14,151</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-43" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><ix:footnote id="fn-44" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(2) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div></ix:footnote></ix:continuation><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%">The fair value of the &#8220;Financial assets at amortized cost&#8221; has been estimated mainly using the valuation techniques of the Present-value method (discounted future cash flows). The main inputs considered for Levels 2 and 3 are the interest rate yield, the prepayment rates and the credit spread. </span></div><div style="margin-bottom:10pt;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 &#8220;Financial liabilities at amortized cost&#8221;, the fair value is also obtained mainly through the Present-value method (discounted future cash flows). The main inputs considered for, at levels 2 and 3, the issuer's credit risk, the interest rate yield and the prepayment rate.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_772"></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%">9.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfCashCashBalancesAtCentralBanksAndOtherDemandDepositsExplanatoryTextBlock" id="f-5821" continuedAt="f-5821-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt">Cash, cash balances at central banks and other demand deposits</span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" id="f-5822" escape="true"><ix:continuation id="f-5821-1"><div style="margin-bottom:10pt;margin-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 style="width:65.618%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.909%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.993%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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 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="c-13" decimals="-6" name="ifrs-full:Cash" format="ixt:num-dot-decimal" scale="6" id="f-5823">8,636</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="c-20" decimals="-6" name="ifrs-full:Cash" format="ixt:num-dot-decimal" scale="6" id="f-5824">7,751</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="c-21" decimals="-6" name="ifrs-full:Cash" format="ixt:num-dot-decimal" scale="6" id="f-5825">6,533</ix:nonFraction></span></td></tr><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%">Cash balances at central banks &#8317;&#185;&#8318; </span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-5826">35,306</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-5827">60,750</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-5828">67,314</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-5829">7,202</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-5830">6,916</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="c-21" decimals="-6" name="ifrs-full:OtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-5831">5,909</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%">8.2</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5832">51,145</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="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5833">75,416</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="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-5834">79,756</ix:nonFraction></span></td></tr></table></div></ix:continuation><ix:footnote id="fn-45" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The variation is mainly due to the evolution of the balances held in the Bank of Spain.</span></div></ix:footnote></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_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%">10.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" id="f-5835" continuedAt="f-5835-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial assets and liabilities held for trading</span></ix:nonNumeric></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-107</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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><ix:continuation id="f-5835-1" continuedAt="f-5835-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Breakdown of the balance</span></ix:continuation></div><ix:continuation id="f-5835-2" continuedAt="f-5835-3"><ix:nonNumeric contextRef="c-1" name="bbva:FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" id="f-5836" 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 style="width:56.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"/><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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5837">36,003</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5838">34,293</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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5839">39,908</ix:nonFraction></span></td></tr><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"> </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="c-13" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5840">6,760</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5841">4,589</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="c-21" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5842">4,404</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 colspan="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="c-2232" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-5843">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2233" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-5844">277</ix:nonFraction></span></td><td colspan="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="c-2234" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-5845">317</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 colspan="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="c-2235" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5846">6,367</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2236" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5847">4,312</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:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2237" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5848">4,086</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5849">27,955</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5850">28,569</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5851">24,367</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 colspan="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="c-2238" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-5852">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2239" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-5853">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2240" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-5854">821</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 colspan="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="c-2241" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5855">23,671</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2242" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5856">24,766</ix:nonFraction></span></td><td colspan="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="c-2243" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5857">20,703</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 colspan="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="c-2244" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5858">1,665</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2245" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5859">1,824</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2246" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5860">1,365</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 colspan="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="c-2247" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5861">1,852</ix:nonFraction></span></td><td colspan="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="c-2248" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5862">1,239</ix:nonFraction></span></td><td colspan="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="c-2249" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5863">1,477</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5864">38,230</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5865">73,590</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5866">41,993</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 colspan="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="c-13" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" scale="6" id="f-5867">556</ix:nonFraction></span></td><td colspan="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="c-20" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5868">2,809</ix:nonFraction></span></td><td colspan="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="c-21" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5869">1,632</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 colspan="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="c-2250" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" scale="6" id="f-5870">556</ix:nonFraction></span></td><td colspan="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="c-2251" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5871">2,809</ix:nonFraction></span></td><td colspan="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="c-2252" decimals="-6" name="bbva:LoansAndAdvancesToCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5872">1,632</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 colspan="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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5873">20,938</ix:nonFraction></span></td><td colspan="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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5874">56,599</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5875">25,231</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">(1)</span></div></td><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-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="c-2250" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5876">20,918</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2251" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5877">56,569</ix:nonFraction></span></td><td colspan="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="c-2252" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5878">25,201</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 colspan="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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5879">16,736</ix:nonFraction></span></td><td colspan="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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5880">14,182</ix:nonFraction></span></td><td colspan="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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5881">15,130</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 colspan="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="c-2250" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5882">15,108</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2251" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5883">13,615</ix:nonFraction></span></td><td colspan="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="c-2252" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5884">14,832</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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5885">108,948</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5886">141,042</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5887">110,671</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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></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></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5888">33,059</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="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5889">33,045</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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5890">37,909</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5891">13,878</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5892">15,735</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ShortPositionsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5893">13,487</ix:nonFraction></span></td></tr><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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5894">39,654</ix: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="c-20" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5895">72,935</ix: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="c-21" decimals="-6" name="bbva:DepositsFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5896">44,215</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 colspan="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="c-13" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5897">3,360</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5898">6,397</ix:nonFraction></span></td><td colspan="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="c-21" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5899">3,950</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 colspan="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="c-2253" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5900">3,360</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2254" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5901">6,397</ix:nonFraction></span></td><td colspan="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="c-2255" decimals="-6" name="bbva:DepositsFromCentralBanksHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5902">3,950</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 colspan="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="c-13" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5903">16,285</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5904">43,337</ix:nonFraction></span></td><td colspan="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="c-21" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5905">28,924</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%">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">(1)</span></div></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: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="c-2253" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5906">15,994</ix:nonFraction></span></td><td colspan="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="c-2254" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5907">42,676</ix:nonFraction></span></td><td colspan="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="c-2255" decimals="-6" name="ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5908">28,573</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 colspan="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="c-13" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5909">20,010</ix:nonFraction></span></td><td colspan="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="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5910">23,201</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5911">11,341</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 colspan="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="c-2253" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5912">19,913</ix:nonFraction></span></td><td colspan="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="c-2254" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5913">23,157</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2255" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5914">11,302</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="c-13" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5915">86,591</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="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5916">121,715</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="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5917">95,611</ix:nonFraction></span></td></tr></table></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="fn-46" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The variation is mainly due to the evolution of "Reverse repurchase agreement" of BBVA, S.A. partially offset by the evolution of "Repurchase agreement" principally of BBVA, S.A</ix:footnote>.</span></div></ix:nonNumeric><div style="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:120%">As of December 31, 2024, 2023 and 2022 &#8220;Short positions&#8221; include &#8364;13,010 million, &#8364;14,914 million and &#8364;12,544 million, respectively, held with the Spanish government and other government agencies.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-108</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_781"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:continuation id="f-5835-3" continuedAt="f-5835-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Derivatives </span></ix:continuation></div><ix:continuation id="f-5835-4"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022, most of the derivatives were mainly contracted in over-the-counter (OTC) markets, with counterparties, consisting primarily of credit institutions and other financial institutions. These derivatives are linked to foreign-exchange rate risk, interest-rate risk and changes in equity instruments. </span></div><ix:nonNumeric contextRef="c-1" name="bbva:DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" id="f-5918" 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 financial 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 style="width:18.468%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.844%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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="c-2256" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5919">11,588</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="c-2256" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5920">9,627</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="c-2256" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5921">4,951,022</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="c-2257" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5922">15,251</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="c-2257" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5923">13,171</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="c-2257" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5924">4,741,629</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="c-2258" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5925">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="c-2258" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5926">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="c-2258" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5927">4,286,531</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="c-2259" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5928">11,579</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="c-2259" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5929">9,622</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="c-2259" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5930">4,930,657</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="c-2260" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5931">15,248</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="c-2260" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5932">13,167</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="c-2260" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5933">4,722,314</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="c-2261" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5934">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="c-2261" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5935">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="c-2261" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5936">4,278,249</ix:nonFraction></span></td></tr><tr><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="c-2262" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-5937">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="c-2262" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-5938">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="c-2262" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5939">20,365</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2263" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-5940">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="c-2263" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-5941">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="c-2263" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5942">19,315</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="c-2264" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-5943">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="c-2264" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-5944">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="c-2264" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5945">8,282</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="c-2265" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5946">2,944</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="c-2265" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5947">4,303</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="c-2265" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5948">75,045</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="c-2266" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5949">2,587</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="c-2266" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5950">3,723</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="c-2266" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5951">70,804</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="c-2267" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5952">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="c-2267" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5953">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="c-2267" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5954">76,749</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="c-2268" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-5955">682</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="c-2268" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5956">2,347</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="c-2268" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5957">38,612</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="c-2269" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5958">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2269" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5959">2,551</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="c-2269" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5960">49,038</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="c-2270" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5961">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="c-2270" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5962">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="c-2270" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5963">52,739</ix:nonFraction></span></td></tr><tr><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="c-2271" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5964">2,261</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="c-2271" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5965">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2271" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5966">36,433</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2272" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5967">1,375</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2272" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5968">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2272" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5969">21,767</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="c-2273" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5970">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="c-2273" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5971">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="c-2273" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5972">24,010</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="c-2274" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5973">21,060</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="c-2274" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5974">18,704</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="c-2274" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5975">825,158</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="c-2275" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5976">15,911</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="c-2275" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5977">15,608</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="c-2275" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5978">632,780</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="c-2276" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5979">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="c-2276" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5980">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="c-2276" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5981">589,705</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="c-2277" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5982">21,056</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="c-2277" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5983">18,698</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="c-2277" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5984">810,770</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="c-2278" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5985">15,889</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="c-2278" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5986">15,590</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="c-2278" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5987">623,203</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="c-2279" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5988">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="c-2279" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-5989">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="c-2279" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5990">580,850</ix:nonFraction></span></td></tr><tr><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="c-2280" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-5991">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="c-2280" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-5992">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="c-2280" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5993">14,388</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2281" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-5994">22</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2281" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-5995">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="c-2281" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5996">9,577</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2282" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-5997">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="c-2282" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-5998">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="c-2282" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5999">8,855</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="c-2283" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6000">386</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="c-2283" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6001">375</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="c-2283" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6002">42,799</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="c-2284" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6003">543</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="c-2284" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6004">542</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="c-2284" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6005">31,478</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="c-2285" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6006">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="c-2285" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6007">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="c-2285" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6008">43,450</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="c-2286" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6009">349</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="c-2286" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6010">369</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="c-2286" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6011">40,847</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="c-2287" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6012">540</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="c-2287" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6013">528</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="c-2287" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6014">29,844</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="c-2288" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6015">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="c-2288" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6016">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2288" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6017">41,760</ix:nonFraction></span></td></tr><tr><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 spread option</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2289" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6018">&#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="c-2289" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6019">&#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="c-2289" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-6020">&#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="c-2290" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6021">&#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="c-2290" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6022">&#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="c-2290" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-6023">&#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="c-2291" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6024">&#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="c-2291" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6025">&#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="c-2291" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-6026">&#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="c-2292" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6027">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="c-2292" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6028">&#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="c-2292" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6029">1,952</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="c-2293" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6030">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="c-2293" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6031">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="c-2293" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6032">1,475</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="c-2294" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6033">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="c-2294" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6034">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="c-2294" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6035">1,665</ix:nonFraction></span></td></tr><tr><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="c-2295" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6036">&#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="c-2295" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6037">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2295" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-6038">&#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="c-2296" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6039">&#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="c-2296" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6040">&#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="c-2296" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-6041">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="c-2297" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6042">&#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="c-2297" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-6043">&#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="c-2297" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-6044">25</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%">Commodities</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="c-2298" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6045">25</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="c-2298" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6046">50</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="c-2298" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6047">1,939</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="c-2299" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6048">1</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="c-2299" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6049">1</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="c-2299" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-6050">169</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="c-2300" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" scale="6" id="f-6051">9</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="c-2300" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" scale="6" id="f-6052">8</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="c-2300" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-6053">60</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:#004580;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 #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="c-2301" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6054">36,003</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="c-2301" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6055">33,059</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="c-2301" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6056">5,895,964</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="c-2302" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6057">34,293</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:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2302" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6058">33,045</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="c-2302" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6059">5,476,860</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:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2303" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6060">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="c-2303" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6061">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="c-2303" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6062">4,996,495</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="c-2304" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6063">26,039</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="c-2304" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6064">23,135</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2304" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6065">1,742,720</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="c-2305" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6066">23,998</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="c-2305" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6067">23,977</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2305" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6068">1,463,433</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="c-2306" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6069">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="c-2306" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6070">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="c-2306" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6071">1,205,895</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="c-2307" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6072">3,383</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="c-2307" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6073">4,212</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="c-2307" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6074">3,914,640</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="c-2308" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6075">5,042</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="c-2308" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6076">4,412</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="c-2308" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6077">3,815,162</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="c-2309" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6078">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="c-2309" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6079">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="c-2309" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6080">3,587,546</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="c-2310" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6081">4,306</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="c-2310" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6082">3,744</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="c-2310" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6083">166,402</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="c-2311" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6084">3,854</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="c-2311" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6085">3,461</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="c-2311" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6086">147,310</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="c-2312" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6087">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="c-2312" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6088">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="c-2312" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-6089">161,882</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_784"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" id="f-6090" continuedAt="f-6090-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Non-trading financial assets mandatorily at fair value through profit or loss</span></ix:nonNumeric></div><ix:continuation id="f-6090-1"><ix:nonNumeric contextRef="c-1" name="bbva:NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" id="f-6091" 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="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:51.904%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.151%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.151%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.153%"/><td style="width:0.1%"/></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"/><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%">2024</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%">2023</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></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:0.05pt;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></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="c-13" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6092">9,782</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="c-20" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6093">7,963</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="c-21" decimals="-6" name="ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-6094">6,511</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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-6095">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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-6096">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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-6097">129</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</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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-6098">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-6099">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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading" scale="6" id="f-6100">247</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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-6101">10,546</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-6102">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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-6103">6,888</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="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:130%">The equity instruments included in this heading mainly comprised financial assets related to the insurance activity of the BBVA Group, including investments associated with life insurance products where the investment risk is assumed by the policyholder, such as the Unit-link products.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-109</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" id="f-6104" continuedAt="f-6104-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial assets and liabilities designated at fair value through profit or loss</span></ix:nonNumeric></div><ix:continuation id="f-6104-1"><ix:nonNumeric contextRef="c-1" name="bbva:FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock" id="f-6105" 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 style="width:50.980%"/><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:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.229%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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 colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/></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="c-13" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-6106">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="c-20" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-6107">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="c-21" decimals="-6" name="bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-6108">913</ix:nonFraction></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"/></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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></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%">Customer deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #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="c-13" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-6109">934</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="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-6110">717</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="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" scale="6" id="f-6111">700</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 certificates issued</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-6112">4,597</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-6113">3,977</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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-6114">3,288</ix:nonFraction></span></td></tr><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 financial liabilities: Unit-link products</span></div></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-6115">9,420</ix: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="c-20" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-6116">8,605</ix: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="c-21" decimals="-6" name="bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" format="ixt:num-dot-decimal" scale="6" id="f-6117">6,592</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"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></div></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="c-13" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-6118">14,952</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="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-6119">13,299</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="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-6120">10,580</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%">This heading includes mainly liabilities linked to insurance products where the risk is assumed by the policyholder (Unit-link products). Since the liabilities linked to insurance products in which the policyholder assumes the risk are valued the same way as the assets associated with such insurance products, there is no credit risk 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, debt securities are included in these headings to reduce inconsistencies (asymmetries) in the valuation of such operations and those operations used to manage the risk associated with them.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_790"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" id="f-6121" continuedAt="f-6121-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial assets at fair value through other comprehensive income</span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_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%">13.1</span><ix:continuation id="f-6121-1" continuedAt="f-6121-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Breakdown of the balance</span></ix:continuation></div><ix:continuation id="f-6121-2" continuedAt="f-6121-3"><ix:nonNumeric contextRef="c-1" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" id="f-6122" continuedAt="f-6122-1" 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 financial assets at fair value through other comprehensive income by type of financial instrument as of December 31, 2024, 2023 and 2022 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 style="width:54.678%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.229%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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="c-13" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6123">1,451</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="c-20" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6124">1,217</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="c-21" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6125">1,198</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6126">57,526</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6127">60,963</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6128">64,150</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6129">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6130">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6131">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: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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6132">59,002</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6133">62,205</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6134">65,374</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 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="c-13" decimals="-6" sign="-" name="bbva:OfWhichLossAllowancesOfDebtSecurities" scale="6" id="f-6135">112</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="c-20" decimals="-6" sign="-" name="bbva:OfWhichLossAllowancesOfDebtSecurities" scale="6" id="f-6136">84</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="c-21" decimals="-6" sign="-" name="bbva:OfWhichLossAllowancesOfDebtSecurities" scale="6" id="f-6137">123</ix:nonFraction>)</span></td></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="fn-47" footnoteRole="http://www.xbrl.org/2003/role/footnote"><ix:continuation id="f-6122-1">(1) During financial years 2024 and 2023, 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;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3).</ix:continuation></ix:footnote> </span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_796"></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><ix:continuation id="f-6121-3" continuedAt="f-6121-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Equity instruments</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" id="f-6138" escape="true"><ix:continuation id="f-6121-4" continuedAt="f-6121-5"><div style="margin-bottom:10pt;margin-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 balance sheets as of December 31, 2024, 2023 and 2022 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 style="width:41.118%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:18.160%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:18.160%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:18.162%"/><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:7pt;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="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding: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%">2024</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding: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%">2023</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding: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%">2022</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"/><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 #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%">Listed equity instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"/></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%">Spanish companies shares</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt 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="c-2313" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6139">1,100</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt 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="c-2314" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6140">987</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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="c-2315" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6141">960</ix:nonFraction></span></td></tr><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%">Foreign companies shares</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2316" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6142">131</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2317" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6143">111</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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="c-2318" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6144">138</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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Mexico</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:right;vertical-align:bottom"><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="c-2319" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6145">27</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:right;vertical-align:bottom"><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="c-2320" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6146">33</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2321" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6147">31</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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">The United States</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:right;vertical-align:bottom"><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="c-2322" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6148">79</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:right;vertical-align:bottom"><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="c-2323" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6149">52</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2324" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6150">44</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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Turkey</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:right;vertical-align:bottom"><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="c-2325" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6151">9</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:right;vertical-align:bottom"><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="c-2326" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6152">6</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2327" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6153">7</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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Other countries</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:right;vertical-align:bottom"><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="c-2328" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6154">17</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:right;vertical-align:bottom"><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="c-2329" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6155">20</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2330" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6156">56</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%">Subtotal listed equity instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2331" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6157">1,231</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2332" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6158">1,098</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2333" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6159">1,098</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%">Unlisted equity instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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%">Spanish companies shares</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt 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="c-2334" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6160">46</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt 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="c-2335" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6161">12</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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="c-2336" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6162">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:7pt;font-weight:400;line-height:120%">Foreign companies shares </span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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="c-2337" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6163">174</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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="c-2338" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6164">106</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" 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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2339" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6165">87</ix:nonFraction></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"/><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="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"/><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="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"/><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="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"/><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;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 unlisted equity instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2340" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6166">220</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2341" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6167">119</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2342" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6168">100</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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-13" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6169">1,451</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-20" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6170">1,217</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-21" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6171">1,198</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-110</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_799"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:continuation id="f-6121-5" continuedAt="f-6121-6"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Debt securities </span></ix:continuation></div><ix:continuation id="f-6121-6" continuedAt="f-6121-7"><ix:nonNumeric contextRef="c-1" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock" id="f-6172" 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, 2024, 2023 and 2022, broken down by issuers, 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 style="width:41.118%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:18.160%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:18.160%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:18.162%"/><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: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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7pt;font-weight:700;line-height:120%">2023 </span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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"/><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 #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%">Domestic debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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%">Government and other government agency</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2343" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6173">10,383</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2344" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6174">13,757</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2345" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6175">17,429</ix:nonFraction></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"/><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:7pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2346" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6176">695</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2347" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6177">901</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2348" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6178">854</ix:nonFraction></span></td></tr><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 issuers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2349" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6179">397</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2350" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6180">454</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2351" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6181">495</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%">Subtotal </span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2352" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6182">11,475</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2353" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6183">15,111</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2354" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6184">18,779</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%">Foreign debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></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%">Mexico</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2355" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6185">20,461</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2356" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6186">21,714</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2357" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6187">16,819</ix:nonFraction></span></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%">Government and other government agency</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2358" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6188">19,313</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2359" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6189">20,364</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2360" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6190">15,452</ix:nonFraction></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"/><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:7pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2361" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6191">759</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2362" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6192">886</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2363" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6193">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:7pt;font-weight:400;line-height:120%">Other issuers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2364" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6194">389</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2365" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6195">464</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2366" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6196">590</ix:nonFraction></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"/><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="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"/><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="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"/><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="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"/><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="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"/><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="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"/><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="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"/><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="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"/><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="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"/><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="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"/><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: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%">The United States</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2367" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6197">6,552</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2368" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6198">6,344</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2369" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6199">5,202</ix:nonFraction></span></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%">Government and other government agency</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2370" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6200">3,703</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2371" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6201">3,174</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2372" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6202">2,716</ix:nonFraction></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"/><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="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"/><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="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"/><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:7pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2373" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6203">41</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2374" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6204">88</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2375" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6205">93</ix:nonFraction></span></td></tr><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 issuers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2376" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6206">2,808</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2377" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6207">3,082</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2378" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6208">2,393</ix:nonFraction></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%">Turkey</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2379" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6209">2,849</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2380" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6210">2,459</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2381" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6211">3,858</ix:nonFraction></span></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%">Government and other government agency</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2382" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6212">2,837</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2383" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6213">2,445</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2384" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6214">3,858</ix:nonFraction></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"/><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="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"/><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:7pt;font-weight:400;line-height:120%">Other issuers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2385" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6215">12</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2386" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6216">14</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2387" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6217">&#8212;</ix:nonFraction></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%">Other countries</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2388" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6218">16,190</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2389" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6219">15,336</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2390" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6220">19,493</ix:nonFraction></span></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%">Other foreign governments and government agency</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2391" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6221">10,059</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2392" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6222">8,961</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2393" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6223">10,340</ix:nonFraction></span></td></tr><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%">Central banks</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2394" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6224">370</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2395" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6225">508</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2396" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6226">3,094</ix:nonFraction></span></td></tr><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%">Credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2397" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6227">1,921</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2398" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6228">1,895</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2399" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6229">2,167</ix:nonFraction></span></td></tr><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 issuers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2400" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6230">3,840</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2401" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6231">3,971</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2402" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6232">3,892</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%">Subtotal </span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2403" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6233">46,052</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2404" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6234">45,852</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2405" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6235">45,372</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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6236">57,526</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6237">60,963</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6238">64,150</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="fn-48" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</ix:footnote>.</span></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" id="f-6239" 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, 2024, 2023 and 2022 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:24.362%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.699%"/><td style="width:0.1%"/></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 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%">2024</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%">2023 </span></td><td colspan="6" 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%">2022</span></div></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%">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 1.18pt 2px 1pt;text-align:right;text-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-left:1pt solid #FFFFFF;border-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%">AAA</span></td><td colspan="3" style="border-top:1pt solid #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="c-2406" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6240">1,370</ix:nonFraction></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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2406" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6241">2.4</ix:nonFraction>&#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:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="3" style="border-top:1pt solid #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="c-2407" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6242">1,000</ix:nonFraction></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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2407" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6243">1.6</ix:nonFraction>&#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:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #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="c-2408" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6244">3,339</ix:nonFraction></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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2408" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6245">5.2</ix:nonFraction>&#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: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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2409" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6246">4,170</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="c-2409" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6247">7.2</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="c-2410" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6248">3,685</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="c-2410" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6249">6.0</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="c-2411" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6250">490</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="c-2411" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6251">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%">%</span></td></tr><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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2412" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6252">261</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="c-2412" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6253">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%">&#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="c-2413" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6254">384</ix:nonFraction></span></td><td 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id="f-6256">420</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="c-2414" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6257">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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2415" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6258">1,061</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="c-2415" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6259">1.8</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="c-2416" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6260">642</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="c-2416" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6261">1.1</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 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="number" contextRef="c-2418" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6265">1.6</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%">&#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="c-2419" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6266">1,798</ix:nonFraction></span></td><td colspan="2" style="border-top:1pt solid 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id="f-6268">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="c-2420" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6269">6.0</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="border-left:1pt solid #FFFFFF;border-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="c-2421" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6270">2,007</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="c-2421" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6271">3.5</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%">&#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="c-2422" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6272">1,747</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="c-2422" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6273">2.9</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid 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id="f-6275">2.7</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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2424" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6276">12,018</ix:nonFraction></span></td><td 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format="ixt:num-dot-decimal" scale="6" id="f-6278">16,009</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="c-2425" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6279">26.3</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="c-2426" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6280">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="c-2426" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6281">31.7</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%">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="c-2427" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6282">19,897</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="c-2427" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6283">34.6</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid 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id="f-6285">37.5</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="c-2429" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6286">17,252</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="c-2429" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6287">26.9</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%">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="c-2430" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6288">9,212</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="c-2430" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6289">16.0</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%">&#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="c-2431" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6290">8,327</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="c-2431" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6291">13.7</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="c-2432" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6292">7,470</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="c-2432" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6293">11.6</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="c-2433" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6294">922</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="c-2433" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6295">1.6</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%">&#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="c-2434" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6296">858</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="c-2434" decimals="3" 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unitRef="eur" contextRef="c-2436" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6300">5,227</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="c-2436" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6301">9.1</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%">&#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="c-2437" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6302">3,480</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="c-2437" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6303">5.7</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 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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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6314">60,963</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="c-20" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6315">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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6316">64,150</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="c-21" decimals="3" name="bbva:PercentageOfDebtSecuritiesByRating" scale="-2" id="f-6317">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="i22a2e436ff7c462c96898906283f922e_802"></div><div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">13.4</span><ix:continuation id="f-6121-7" continuedAt="f-6121-8"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Gains/losses</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" id="f-6318" continuedAt="f-6318-1" escape="true"><ix:continuation id="f-6121-8" continuedAt="f-6121-9"><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 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></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-111</span></div></div></div><hr style="page-break-after:always"/><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="f-6318-1"><ix:continuation id="f-6121-9" continuedAt="f-6121-10"><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 style="width:28.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.918%"/><td style="width:0.1%"/></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 colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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 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%">2024</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%">2023</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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</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%">2024</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%">2023</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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</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:8pt;font-weight:700;line-height:120%">Balance at the beginning </span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-6319">357</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-6320">809</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-173" decimals="-6" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6321">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="c-20" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6322">1,112</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:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6323">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="c-173" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6324">1,079</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:8pt;font-weight:400;line-height:120%">Valuation gains and losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2442" decimals="-6" sign="-" name="bbva:ValuationGainsAndLosses" scale="6" id="f-6325">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2443" decimals="-6" name="bbva:ValuationGainsAndLosses" scale="6" id="f-6326">659</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2444" decimals="-6" sign="-" name="bbva:ValuationGainsAndLosses" format="ixt:num-dot-decimal" scale="6" id="f-6327">3,049</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2445" decimals="-6" name="bbva:ValuationGainsAndLosses" scale="6" id="f-6328">228</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2446" decimals="-6" name="bbva:ValuationGainsAndLosses" scale="6" id="f-6329">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="c-2447" decimals="-6" sign="-" name="bbva:ValuationGainsAndLosses" scale="6" id="f-6330">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%">Amounts transferred to income</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2442" decimals="-6" name="bbva:AmountsTransferredToIncome" scale="6" id="f-6331">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="c-2443" decimals="-6" name="bbva:AmountsTransferredToIncome" scale="6" id="f-6332">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="c-2444" decimals="-6" name="bbva:AmountsTransferredToIncome" scale="6" id="f-6333">20</ix:nonFraction></span></td><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"/><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"/><td colspan="3" style="background-color:#C0C0C0;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%">Amounts transferred to Reserves</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"/><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"/><td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2445" decimals="-6" name="bbva:AmountsTransferredToReserves" format="ixt:fixed-zero" scale="6" id="f-6334">&#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="c-2446" decimals="-6" name="bbva:AmountsTransferredToReserves" scale="6" id="f-6335">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="c-2447" decimals="-6" sign="-" name="bbva:AmountsTransferredToReserves" scale="6" id="f-6336">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%">Income tax and other</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2442" decimals="-6" name="bbva:IncomeTaxAndOther" scale="6" id="f-6337">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="c-2443" decimals="-6" sign="-" name="bbva:IncomeTaxAndOther" scale="6" id="f-6338">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2444" decimals="-6" name="bbva:IncomeTaxAndOther" scale="6" id="f-6339">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2445" decimals="-6" sign="-" name="bbva:IncomeTaxAndOther" scale="6" id="f-6340">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="c-2446" decimals="-6" sign="-" name="bbva:IncomeTaxAndOther" scale="6" id="f-6341">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="c-2447" decimals="-6" sign="-" name="bbva:IncomeTaxAndOther" scale="6" id="f-6342">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%">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;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-6343">576</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-6344">357</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-6345">809</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-6346">905</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6347">1,112</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:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6348">1,194</ix:nonFraction>)</span></td></tr></table><ix:footnote id="fn-49" 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) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></ix:footnote></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="f-6121-10">In 2024, 2023 and 2022, equity instruments presented an increase of &#8364;228 million, an increase of &#8364;80 million and a decrease of &#8364;112 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. Likewise, the valuations of debt securities have been affected mainly by the evolution of interest rates.</ix:continuation>&#160;&#160;&#160;&#160;</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-112</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_805"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfFinancialAssetsAtAmortisedCostTextBlock" id="f-6349" continuedAt="f-6349-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial assets at amortized cost</span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_808"></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><ix:continuation id="f-6349-1" continuedAt="f-6349-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Breakdown of the balance</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:FinancialAssetsAtAmortisedCostTableTextBlock" id="f-6350" escape="true"><ix:continuation id="f-6349-2" continuedAt="f-6349-3"><div style="margin-bottom:10pt;margin-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 style="width:47.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.383%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.383%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.386%"/><td style="width:0.1%"/></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 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%">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%">2023</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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; </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:8pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6351">59,014</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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6352">49,462</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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6353">36,639</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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2448" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6354">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="c-2449" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6355">22</ix: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="c-2450" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6356">21</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2451" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6357">54,806</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2452" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6358">45,124</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2453" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6359">34,648</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2454" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6360">2,459</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2455" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6361">2,366</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="c-2456" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6362">400</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2457" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6363">451</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2458" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6364">923</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2459" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6365">602</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2460" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6366">1,292</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2461" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6367">1,027</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2462" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6368">967</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 colspan="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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-6369">8,255</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-6370">7,151</ix:nonFraction></span></td><td colspan="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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-6371">4,401</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 colspan="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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6372">22,655</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6373">17,477</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6374">16,031</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 agreement</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2463" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6375">9,157</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2464" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6376">5,786</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="c-2465" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6377">5,251</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2466" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6378">13,497</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2467" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6379">11,690</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2468" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6380">10,780</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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6381">412,477</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6382">377,643</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6383">357,351</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2451" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6384">22,111</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2452" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6385">23,265</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2453" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6386">20,892</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2457" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6387">17,497</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2458" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6388">13,251</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="c-2459" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6389">12,765</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2460" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6390">193,386</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2461" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6391">171,063</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="c-2462" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6392">165,433</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2469" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6393">179,483</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2470" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6394">170,063</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="c-2471" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6395">158,261</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="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6396">502,400</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="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6397">451,732</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="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6398">414,421</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="c-688" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6399">14,211</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2472" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6400">14,444</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2473" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6401">13,493</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="c-1179" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6402">11,630</ix:nonFraction>)</span></td><td colspan="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="c-1186" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6403">11,316</ix:nonFraction>)</span></td><td colspan="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="c-1193" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6404">11,291</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 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="c-2474" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6405">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:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2475" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6406">82</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="c-2476" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6407">91</ix:nonFraction>)</span></td></tr></table></div><ix:footnote id="fn-50" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_811"></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><ix:continuation id="f-6349-3" continuedAt="f-6349-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Debt securities </span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:DebtSecuritiesAtAmortizedCostTableTextBlock" id="f-6408" escape="true"><ix:continuation id="f-6349-4" continuedAt="f-6349-5"><div style="margin-bottom:10pt;margin-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 style="width:44.016%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.349%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:18.744%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:15.491%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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 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 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:7pt;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:7pt;font-weight:700;line-height:120%">2023</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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">Domestic debt securities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><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 #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%">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2477" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6409">35,664</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-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="c-2478" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6410">25,857</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-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="c-2479" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6411">18,397</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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"/><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2480" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6412">1,099</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2481" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6413">1,028</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2482" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6414">&#8212;</ix:nonFraction></span></td><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6415">367</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2484" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6416">230</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2485" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6417">144</ix:nonFraction></span></td><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;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:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2486" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6418">37,130</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2487" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6419">27,114</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2488" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6420">18,541</ix:nonFraction></span></td><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 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%">Foreign debt securities</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%">21,884</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><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 #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%">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2489" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6421">4,139</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2490" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6422">6,277</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2491" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6423">4,222</ix:nonFraction></span></td><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 #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%">Government and other government agencies</span></td><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="c-2492" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6424">4,076</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2493" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6425">6,205</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2494" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6426">4,198</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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"/><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2495" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6427">63</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2496" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6428">72</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2497" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6429">24</ix:nonFraction></span></td><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2498" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6430">&#8212;</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2499" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6431">&#8212;</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2500" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6432">&#8212;</ix:nonFraction></span></td><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 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%">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2501" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6433">2,505</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-2502" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6434">2,229</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-2503" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6435">2,215</ix:nonFraction></span></td><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 #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%">Government and other government agencies</span></td><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="c-2504" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6436">2,463</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2505" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6437">2,188</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2506" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6438">2,159</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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"/><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="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"/><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="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"/><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2507" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6439">20</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2508" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6440">19</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2509" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6441">25</ix:nonFraction></span></td><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2510" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6442">22</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2511" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6443">21</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2512" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6444">31</ix:nonFraction></span></td><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 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%">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2513" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6445">6,764</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-2514" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6446">6,284</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-2515" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6447">5,332</ix:nonFraction></span></td><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 #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%">Government and other government agencies</span></td><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="c-2516" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6448">6,622</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2517" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6449">6,167</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2518" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6450">5,325</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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"/><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2519" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6451">7</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2520" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6452">8</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2521" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6453">6</ix:nonFraction></span></td><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2522" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6454">135</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2523" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6455">109</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2524" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6456">&#8212;</ix:nonFraction></span></td><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 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%">Other countries</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%"><ix:nonFraction unitRef="eur" contextRef="c-2525" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6457">8,476</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-2526" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6458">7,558</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-2527" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6459">6,328</ix:nonFraction></span></td><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 #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%">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2528" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6460">5,982</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-2529" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6461">4,707</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-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="c-2530" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6462">4,568</ix:nonFraction></span></td><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2531" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6463">6</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2532" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6464">22</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2533" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6465">21</ix:nonFraction></span></td><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2534" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6466">1,269</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2535" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6467">1,239</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2536" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6468">345</ix:nonFraction></span></td><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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2537" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6469">1,219</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2538" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6470">1,591</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2539" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6471">1,394</ix:nonFraction></span></td><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;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:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2540" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6472">21,884</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2541" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6473">22,348</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-2542" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6474">18,097</ix:nonFraction></span></td><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;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%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6475">59,014</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6476">49,462</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6477">36,639</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><ix:footnote id="fn-51" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:nonNumeric contextRef="c-1" name="bbva:DebtSecuritiesByRatingTableTextBlock" id="f-6478" escape="true"><ix:continuation id="f-6349-5" continuedAt="f-6349-6"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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><table 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:27.867%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.383%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.996%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</span></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:7pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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: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%">%</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%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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: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%">%</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%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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: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%">%</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%">AAA</span></td><td colspan="3" style="border-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="c-2543" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6479">1,907</ix:nonFraction></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%"><ix:nonFraction unitRef="number" contextRef="c-2543" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6480">3.2</ix:nonFraction>&#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><td colspan="3" style="border-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="c-2544" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6481">1,829</ix:nonFraction></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%"><ix:nonFraction unitRef="number" contextRef="c-2544" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6482">3.7</ix:nonFraction>&#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><td colspan="3" style="border-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="c-2545" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6483">3,068</ix:nonFraction></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%"><ix:nonFraction unitRef="number" contextRef="c-2545" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6484">8.4</ix:nonFraction>&#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%">AA+</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2546" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6485">3,418</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2546" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6486">5.8</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%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2547" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6487">3,096</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2547" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6488">6.3</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%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2548" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6489">217</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2548" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6490">0.6</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%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2549" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6491">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2549" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6492">0.1</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 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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: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%">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2552" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6497">1,027</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 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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="c-2555" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6503">22</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2555" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" format="ixt:fixed-zero" scale="-2" id="f-6504">&#8212;</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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2556" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6505">25</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2556" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6506">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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2557" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6507">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2557" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" format="ixt:fixed-zero" scale="-2" id="f-6508">&#8212;</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: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%">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2558" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6509">497</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2558" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6510">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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2559" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6511">444</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2559" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6512">0.9</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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2560" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6513">524</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2560" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6514">1.4</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: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%">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2561" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6515">34,652</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2561" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6516">58.7</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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2562" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6517">24,739</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2562" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6518">50.0</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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2563" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6519">17,050</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2563" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6520">46.5</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: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%">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2564" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6521">4,518</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2564" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" id="f-6522">7.7</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 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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:7pt;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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2566" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6525">4,710</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-2566" decimals="3" name="bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating" scale="-2" 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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><ix:footnote id="fn-52" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_814"></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><ix:continuation id="f-6349-6" continuedAt="f-6349-7"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Loans and advances to customers</span></ix:continuation></div><ix:continuation id="f-6349-7" continuedAt="f-6349-8"><ix:nonNumeric contextRef="c-1" name="bbva:LoansAndAdvancesToCustomersTableTextBlock" id="f-6557" 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 of the balance under this heading in the consolidated balance sheets, according to their nature, 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 style="width:55.448%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.383%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.383%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.386%"/><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%">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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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="c-2579" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6558">5,307</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="c-2580" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6559">3,040</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="c-2581" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6560">4,101</ix:nonFraction></span></td></tr><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="c-2582" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6561">27,720</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="c-2583" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6562">22,889</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2584" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6563">18,898</ix:nonFraction></span></td></tr><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="c-2585" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6564">31,693</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2586" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6565">25,096</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2587" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6566">25,987</ix:nonFraction></span></td></tr><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="c-2588" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6567">10,125</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2589" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6568">9,463</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2590" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6569">8,571</ix:nonFraction></span></td></tr><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 agreement</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2591" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" scale="6" id="f-6570">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2592" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" scale="6" id="f-6571">92</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2593" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" scale="6" id="f-6572">102</ix:nonFraction></span></td></tr><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="c-2594" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6573">331,451</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2595" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6574">312,186</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2596" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6575">294,059</ix:nonFraction></span></td></tr><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="c-2597" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6576">5,919</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="c-2598" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6577">4,877</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2599" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6578">5,633</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="c-13" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6579">412,477</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="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6580">377,643</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="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6581">357,351</ix:nonFraction></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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><ix:footnote id="fn-53" 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%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></ix:footnote></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock" id="f-6582" 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 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, 2024, 2023 and 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 style="width:19.855%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></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 colspan="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-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="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-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="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-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="padding:0 1pt;text-indent:-0.18pt"/><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%">Domestic</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%">Foreign</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%">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:8pt;font-weight:700;line-height:120%">Domestic</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%">Foreign</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%">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:8pt;font-weight:700;line-height:120%">Domestic</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%">Foreign</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%">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="c-2600" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6583">67,284</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="c-2600" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6584">85,473</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="c-2600" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="f-6585">152,757</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="c-2601" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6586">63,060</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="c-2601" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6587">77,381</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="c-2601" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="f-6588">140,441</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="c-2602" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6589">59,394</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="c-2602" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6590">67,874</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="c-2602" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="f-6591">127,269</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: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="c-2603" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6592">62,359</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6593">65,493</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="f-6594">127,851</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6595">66,188</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6596">61,723</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="f-6597">127,911</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6598">69,647</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6599">53,440</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="f-6600">123,087</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="c-13" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6601">129,642</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="c-13" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6602">150,966</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="c-13" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="f-6603">280,608</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="c-20" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6604">129,248</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="c-20" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6605">139,104</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="c-20" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="f-6606">268,352</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="c-21" decimals="-6" name="bbva:NationalSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6607">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="c-21" decimals="-6" name="bbva:ForeignSecurity" format="ixt:num-dot-decimal" scale="6" id="f-6608">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="c-21" decimals="-6" name="bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear" format="ixt:num-dot-decimal" scale="6" id="f-6609">250,356</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:120%">As of December 31, 2024, 2023 and 2022, 54%, 52% and 51%, respectively, of "Loans and advances to customers" with maturity greater than one year have fixed-interest rates and 46%, 48% and 49%, respectively, have variable interest rates.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:SecuritizedLoansTableTextBlock" id="f-6610" 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%">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 style="width:58.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.306%"/><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%">Securitized loans (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;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%">2024</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%">2023</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%">2022</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="c-1" decimals="-6" name="bbva:SecuritizedMortgageAssets" format="ixt:num-dot-decimal" scale="6" id="f-6611">19,537</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="c-22" decimals="-6" name="bbva:SecuritizedMortgageAssets" format="ixt:num-dot-decimal" scale="6" id="f-6612">20,406</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="c-23" decimals="-6" name="bbva:SecuritizedMortgageAssets" format="ixt:num-dot-decimal" scale="6" id="f-6613">23,290</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="bbva:OtherSecuritizedAssets" format="ixt:num-dot-decimal" scale="6" id="f-6614">8,702</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OtherSecuritizedAssets" format="ixt:num-dot-decimal" scale="6" id="f-6615">8,493</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" name="bbva:OtherSecuritizedAssets" format="ixt:num-dot-decimal" scale="6" id="f-6616">5,495</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="c-1" decimals="-6" name="bbva:TotalSecuritizedLoans" format="ixt:num-dot-decimal" scale="6" id="f-6617">28,239</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:TotalSecuritizedLoans" format="ixt:num-dot-decimal" scale="6" id="f-6618">28,899</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="c-23" decimals="-6" name="bbva:TotalSecuritizedLoans" format="ixt:num-dot-decimal" scale="6" id="f-6619">28,784</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-6349-8"><div style="margin-bottom:10pt;margin-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 of Loans and advances to customers includes a deposit with the Bank of France associated with the contribution to the Single Resolution Fund for the years 2018, 2017 and 2016, which was made in the form of an irrevocable payment commitment, given that its amount is considered to be recoverable as of December 31, 2024. The resolution of the appeal filed with the Court of Justice of the European Union by a financial institution outside the Group against the decision of the Court of Justice of the European Union rejecting the return of amounts deposited is pending. This could lead to a claim by the Single Resolution Board. In any case, the BBVA Group balance of this deposit as of December 31, 2024 is not significant.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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%">15.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" id="f-6620" continuedAt="f-6620-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Derivatives &#8211; Hedge accounting and fair value changes of the hedged items in portfolio hedges of interest rate risk</span></ix:nonNumeric></div><ix:continuation id="f-6620-1" continuedAt="f-6620-2"><ix:nonNumeric contextRef="c-1" name="bbva:DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" id="f-6621" 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 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 style="width:68.297%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.103%"/><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%">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 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%">2024</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%">2023</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></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 colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;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%">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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6622">1,158</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6623">1,482</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6624">1,891</ix:nonFraction></span></td></tr><tr><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="c-13" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-6625">65</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-6626">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="c-21" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-6627">148</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 colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;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%">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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6628">2,503</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6629">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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6630">3,303</ix:nonFraction></span></td></tr><tr><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="c-13" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="f-6631">&#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="c-20" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="f-6632">&#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="c-21" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:fixed-zero" scale="6" id="f-6633">&#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, 2024, 2023 and 2022, 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 debt 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 debt 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 (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%">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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-115</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_820"></div><hr style="page-break-after:always"/><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:nonNumeric contextRef="c-1" name="bbva:DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" id="f-6634" escape="true"><ix:continuation id="f-6620-2" continuedAt="f-6620-3"><div style="margin-bottom:10pt;margin-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:99.893%"><tr><td style="width:1.0%"/><td style="width:33.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.610%"/><td style="width:0.1%"/></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%">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 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="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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;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%">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%">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%">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%">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%">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%">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:0 1pt;text-indent:-0.18pt"/><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="c-2606" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6635">257</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="c-2606" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6636">344</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="c-2607" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6637">422</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="c-2607" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6638">364</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="c-2608" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6639">656</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="c-2608" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6640">376</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:0 1pt"/><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="c-2609" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6641">257</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="c-2609" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6642">344</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="c-2610" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6643">422</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="c-2610" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6644">364</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="c-2611" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6645">656</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="c-2611" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6646">376</ix:nonFraction></span></td></tr><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:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2612" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6647">&#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="c-2612" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6648">&#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="c-2613" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6649">&#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="c-2613" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6650">&#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="c-2614" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6651">&#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="c-2614" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6652">&#8212;</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:8pt;font-weight:700;line-height:120%">Equity</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #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%"><ix:nonFraction unitRef="eur" contextRef="c-2615" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6653">&#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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2615" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6654">&#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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2616" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6655">&#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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2616" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6656">&#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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2617" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6657">&#8212;</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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2617" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6658">&#8212;</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:0 1pt"/><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="c-2618" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6659">&#8212;</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="c-2618" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6660">&#8212;</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="c-2619" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6661">&#8212;</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="c-2619" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6662">&#8212;</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="c-2620" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6663">&#8212;</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="c-2620" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6664">&#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%">Organized market</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2621" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6665">&#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="c-2621" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6666">&#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="c-2622" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6667">&#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="c-2622" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6668">&#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="c-2623" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6669">&#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="c-2623" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6670">&#8212;</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:8pt;font-weight:700;line-height:120%">Foreign exchange and gold</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-2624" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6671">73</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2624" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6672">93</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2625" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6673">221</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2625" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6674">31</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2626" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6675">259</ix:nonFraction></span></td><td colspan="3" style="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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2626" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6676">83</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-top:1pt solid #072146;padding:0 1pt"/><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="c-2627" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6677">73</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="c-2627" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6678">93</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="c-2628" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6679">221</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="c-2628" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6680">31</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="c-2629" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6681">259</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="c-2629" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6682">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:8pt;font-weight:400;line-height:120%">Organized market</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6683">&#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="c-2630" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6684">&#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="c-2631" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6685">&#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="c-2631" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6686">&#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="c-2632" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6687">&#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="c-2632" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6688">&#8212;</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:8pt;font-weight:700;line-height:120%">Credit</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: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%"><ix:nonFraction unitRef="eur" contextRef="c-2633" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6689">&#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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2633" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6690">&#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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2634" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6691">&#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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2634" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6692">&#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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2635" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6693">&#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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2635" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6694">&#8212;</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%">Commodities</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2636" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6695">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2636" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6696">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2637" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6697">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2637" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6698">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2638" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6699">&#8212;</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 1.18pt 2px 1pt;text-align:right;text-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="c-2638" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6700">&#8212;</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%">Other</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6701">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6702">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6703">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6704">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6705">&#8212;</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 1.18pt 2px 1pt;text-align:right;text-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="c-2641" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6706">&#8212;</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%">FAIR VALUE HEDGES</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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="c-2642" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6707">330</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="c-2642" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6708">437</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="c-2643" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6709">644</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="c-2643" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6710">395</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="c-2644" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6711">915</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="c-2644" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6712">459</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:0 1pt;text-indent:-0.18pt"/><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="c-2645" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6713">618</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="c-2645" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6714">1,513</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="c-2646" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6715">490</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="c-2646" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6716">2,048</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="c-2647" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6717">470</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="c-2647" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6718">2,763</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-top:1pt solid #072146;padding:0 1pt"/><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="c-2648" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6719">615</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="c-2648" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6720">1,513</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="c-2649" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6721">483</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="c-2649" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6722">2,048</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="c-2650" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6723">454</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="c-2650" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6724">2,763</ix:nonFraction></span></td></tr><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-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2651" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6725">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="c-2651" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6726">&#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="c-2652" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6727">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="c-2652" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6728">&#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="c-2653" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6729">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:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-2653" xsi:nil="true" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" id="f-6730"></ix:nonFraction></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:8pt;font-weight:700;line-height:120%">Equity</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2654" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6731">&#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="c-2654" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6732">&#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="c-2655" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6733">&#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="c-2655" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6734">&#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="c-2656" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6735">&#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="c-2656" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6736">&#8212;</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%">Foreign exchange and gold</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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="c-2657" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6737">142</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="c-2657" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6738">431</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="c-2658" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6739">291</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="c-2658" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6740">41</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="c-2659" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6741">239</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="c-2659" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6742">46</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-top:1pt solid #072146;padding:0 1pt"/><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="c-2660" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6743">142</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="c-2660" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6744">431</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="c-2661" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6745">291</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="c-2661" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6746">41</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="c-2662" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6747">239</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="c-2662" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6748">45</ix:nonFraction></span></td></tr><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-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2663" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6749">&#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="c-2663" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6750">&#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="c-2664" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6751">&#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="c-2664" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6752">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="c-2665" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6753">&#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="c-2665" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6754">1</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:8pt;font-weight:700;line-height:120%">Credit</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2666" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6755">&#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="c-2666" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6756">&#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="c-2667" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6757">&#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="c-2667" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6758">&#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="c-2668" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6759">&#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="c-2668" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6760">&#8212;</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%">Commodities</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6761">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6762">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6763">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6764">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2671" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6765">&#8212;</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 1.18pt 2px 1pt;text-align:right;text-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="c-2671" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6766">&#8212;</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%">Other</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2672" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6767">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2672" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6768">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2673" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6769">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2673" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6770">&#8212;</ix:nonFraction></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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2674" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6771">&#8212;</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 1.18pt 2px 1pt;text-align:right;text-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="c-2674" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6772">&#8212;</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%">CASH FLOW HEDGES</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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="c-2675" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6773">760</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="c-2675" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6774">1,944</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="c-2676" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6775">781</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="c-2676" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6776">2,089</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="c-2677" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6777">708</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="c-2677" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6778">2,809</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%">HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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="c-2678" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6779">66</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="c-2678" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6780">122</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="c-2679" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6781">27</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="c-2679" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6782">136</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="c-2680" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6783">213</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="c-2680" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6784">26</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:0 1pt;text-indent:-0.18pt"/><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="c-2681" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6785">2</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="c-2681" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6786">&#8212;</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="c-2682" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6787">3</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="c-2682" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6788">5</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="c-2683" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6789">7</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="c-2683" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6790">8</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:0 1pt;text-indent:-0.18pt"/><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="c-2684" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6791">&#8212;</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="c-2684" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6792">&#8212;</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="c-2685" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6793">27</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="c-2685" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:fixed-zero" scale="6" id="f-6794">&#8212;</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="c-2686" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6795">48</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="c-2686" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6796">1</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 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6797">1,158</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="c-13" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6798">2,503</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="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6799">1,482</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="c-20" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6800">2,625</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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6801">1,891</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="c-21" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6802">3,303</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:#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-top:1pt solid #072146;padding:0 1pt"/><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="c-2687" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6803">932</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="c-2687" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6804">2,005</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="c-2688" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6805">1,237</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="c-2688" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6806">2,404</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="c-2689" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6807">1,577</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="c-2689" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-6808">2,911</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"><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-top:1pt solid #FFFFFF;padding:0 1pt"/><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="c-2690" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6809">223</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="c-2690" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6810">499</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="c-2691" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6811">237</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="c-2691" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6812">221</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="c-2692" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-6813">297</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="c-2692" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-6814">391</ix:nonFraction></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></table></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-116</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_823"></div><hr style="page-break-after:always"/><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="f-6620-3"><ix:nonNumeric contextRef="c-1" name="bbva:HedgedItemsInFairValueHedgesTableTextBlock" id="f-6815" continuedAt="f-6815-1" escape="true"><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%">Below there is a breakdown of the items covered by fair value hedges:</span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:8pt;text-align:justify"><ix:continuation id="f-6815-1" continuedAt="f-6815-2"><table 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:26.172%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.833%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.841%"/><td style="width:0.1%"/></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: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 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%">Carrying amount</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%">Hedge adjustments included in the carrying amount of assets/liabilities &#8317;&#185;&#8318;</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%">Remaining adjustments for discontinued micro hedges including hedges of net positions &#8317;&#185;&#8318;</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%">Hedged items in portfolio hedge of interest rate risk</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%">Recognized ineffectiveness in profit or loss</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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 colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/></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%">Financial assets 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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6816">10,449</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6817">11,308</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="c-2695" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6818">409</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="c-2696" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6819">652</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="c-2697" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6820">155</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="c-2698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6821">172</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="c-2699" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6822">&#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="c-2700" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6823">&#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="c-2701" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6824">16</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="c-2702" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6825">5</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%">Debt securities</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="c-2693" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6826">10,449</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="c-2694" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6827">11,308</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="c-2695" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6828">409</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="c-2696" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6829">652</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#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="c-2697" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6830">155</ix:nonFraction></span></td><td colspan="3" style="background-color:#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="c-2698" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6831">172</ix:nonFraction></span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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="c-2703" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6832">10,446</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="c-2704" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6833">11,308</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="c-2705" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6834">409</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="c-2706" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6835">652</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2707" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6836">155</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2708" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6837">172</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:8pt;font-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2709" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6838">2</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2710" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6839">&#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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2711" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6840">&#8212;</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="c-2712" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6841">&#8212;</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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%">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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2713" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6842">&#8212;</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="c-2714" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6843">&#8212;</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="c-2715" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6844">&#8212;</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="c-2716" decimals="-6" name="ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6845">&#8212;</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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</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="c-2693" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6846">&#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="c-2694" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6847">&#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="c-2695" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6848">&#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="c-2696" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6849">&#8212;</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%">&#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: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:#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;padding:2px 1pt;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:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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="c-2693" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6850">&#8212;</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="c-2694" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6851">&#8212;</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="c-2695" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6852">&#8212;</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="c-2696" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6853">&#8212;</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2709" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6854">&#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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2710" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6855">&#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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2711" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6856">&#8212;</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="c-2712" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6857">&#8212;</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;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-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="c-2713" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6858">&#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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2714" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6859">&#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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2715" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6860">&#8212;</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="c-2716" decimals="-6" name="bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6861">&#8212;</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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%">Financial assets measured at amortized cost</span></td><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="c-2693" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6862">3,003</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="c-2694" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6863">3,248</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="c-2695" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6864">16</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="c-2696" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6865">114</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="c-2697" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6866">519</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="c-2698" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6867">685</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="c-2699" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6868">753</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="c-2700" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6869">936</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="c-2701" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6870">2</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="c-2702" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" scale="6" id="f-6871">14</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%">Debt securities</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="c-2693" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6872">2,232</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="c-2694" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6873">2,304</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="c-2695" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6874">48</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="c-2696" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6875">119</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#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="c-2697" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6876">519</ix:nonFraction></span></td><td colspan="3" style="background-color:#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="c-2698" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6877">685</ix:nonFraction></span></td><td colspan="3" style="background-color:#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="c-2699" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6878">&#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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2700" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6879">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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="c-2703" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6880">2,232</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="c-2704" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6881">2,304</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="c-2705" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6882">48</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="c-2706" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6883">119</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2707" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6884">519</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2708" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" scale="6" id="f-6885">685</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2717" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6886">&#8212;</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2718" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6887">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2709" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6888">&#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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2710" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6889">&#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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2711" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6890">&#8212;</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="c-2712" decimals="-6" name="ifrs-full:DebtInstrumentsHeldAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6891">&#8212;</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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</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="c-2693" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6892">771</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="c-2694" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6893">944</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="c-2695" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6894">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2696" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6895">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%">&#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: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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2699" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6896">753</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="c-2700" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6897">936</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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="c-2703" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6898">757</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="c-2704" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6899">944</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="c-2705" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6900">32</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="c-2706" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6901">5</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:8pt;font-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2717" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6902">753</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2718" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6903">936</ix:nonFraction></span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2709" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" scale="6" id="f-6904">14</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="c-2710" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6905">&#8212;</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="c-2711" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6906">&#8212;</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="c-2712" decimals="-6" name="ifrs-full:LoansAndAdvancesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6907">&#8212;</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #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 colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:0 1pt"/></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:#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 #5ac4c4;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="c-2693" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6908">45,613</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-2694" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6909">47,180</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-2695" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" scale="6" id="f-6910">96</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-2696" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" scale="6" id="f-6911">509</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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="c-2697" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" scale="6" id="f-6912">1</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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="c-2698" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6913">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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="c-2699" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6914">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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="c-2700" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6915">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-2701" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" scale="6" id="f-6916">5</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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="c-2702" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" scale="6" id="f-6917">20</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%">Debt securities issued</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="c-2693" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6918">42,521</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="c-2694" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6919">37,916</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="c-2695" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-6920">172</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="c-2696" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-6921">600</ix:nonFraction></span></td><td colspan="3" style="background-color:#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="c-2697" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-6922">1</ix:nonFraction></span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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="c-2703" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6923">42,521</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="c-2704" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6924">37,915</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="c-2705" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-6925">172</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="c-2706" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-6926">600</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2707" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-6927">1</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:8pt;font-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2709" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6928">&#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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2710" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-6929">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2711" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6930">&#8212;</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="c-2712" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6931">&#8212;</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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%">Deposits</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="c-2693" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6932">3,092</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="c-2694" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6933">9,263</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="c-2695" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" scale="6" id="f-6934">75</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2696" decimals="-6" sign="-" name="ifrs-full:DepositsAtAmortisedCost" scale="6" id="f-6935">91</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%">&#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: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:#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;padding:2px 1pt;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:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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="c-2703" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6936">3,092</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="c-2704" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-6937">9,258</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="c-2705" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" scale="6" id="f-6938">75</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="c-2706" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" scale="6" id="f-6939">91</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2709" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6940">&#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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2710" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" scale="6" id="f-6941">5</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2711" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6942">&#8212;</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="c-2712" decimals="-6" name="ifrs-full:DepositsAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-6943">&#8212;</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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/></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="fn-54" footnoteRole="http://www.xbrl.org/2003/role/footnote"><ix:continuation id="f-6815-2">(1) The balance of discontinued hedges is not significant.</ix:continuation></ix:footnote> </span></div><ix:nonNumeric contextRef="c-1" name="bbva:CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock" id="f-6944" 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, 2024:</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 style="width:46.511%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.377%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.377%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.377%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.377%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.381%"/><td style="width:0.1%"/></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 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%">Up to 3 months</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%">From 3 months to 1 year</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%">From 1 to 5 years</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%">More than 5 years</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%">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="c-2719" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6945">5,183</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2720" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6946">10,799</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="c-2721" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6947">23,509</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="c-2722" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6948">20,530</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="c-2723" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6949">60,021</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2724" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6950">5,160</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2725" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6951">10,650</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2726" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6952">22,903</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2727" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6953">20,023</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2728" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6954">58,735</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="c-2729" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6955">4,280</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="c-2730" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6956">16,775</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2731" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6957">13,346</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="c-2732" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6958">5,286</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="c-2733" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6959">39,687</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2734" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6960">4,280</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2735" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6961">16,577</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2736" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6962">11,689</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2737" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6963">2,801</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2738" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6964">35,348</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="c-2739" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6965">12,222</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="c-2740" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="f-6966">861</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="c-2741" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-6967">&#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="c-2742" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="f-6968">150</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="c-2743" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6969">13,234</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="c-2744" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="f-6970">893</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="c-2745" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="f-6971">179</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="c-2746" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6972">1,364</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="c-2747" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="f-6973">406</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="c-2748" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6974">2,841</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="c-2749" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-6975">&#8212;</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="c-2750" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-6976">&#8212;</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="c-2751" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-6977">&#8212;</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="c-2752" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="f-6978">47</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="c-2753" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" scale="6" id="f-6979">47</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="c-2754" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6980">22,579</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="c-2755" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6981">28,614</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="c-2756" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6982">38,218</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="c-2757" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6983">26,419</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="c-2758" decimals="-6" name="bbva:NotionalMaturitiesOfTheHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-6984">115,830</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 2024, 2023 and 2022, there was no reclassification in the consolidated income statements of any amount that was previously recognized in equity (see Note 41). The amount of the derivatives designated as accounting hedges that did not pass the effectiveness test in the years ended December 31, 2024, 2023 and 2022 was not material.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-117</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_826"></div><hr style="page-break-after:always"/><div style="min-height: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%">16.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" id="f-6985" continuedAt="f-6985-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Investments in joint ventures and associates </span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_829"></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><ix:continuation id="f-6985-1" continuedAt="f-6985-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Joint ventures and associates</span></ix:continuation></div><ix:continuation id="f-6985-2" continuedAt="f-6985-3"><ix:nonNumeric contextRef="c-1" name="bbva:InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" id="f-6986" 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;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 style="width:59.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><td style="width:0.1%"/></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"/></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%">2024</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%">2023</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></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:8pt;font-weight:700;line-height:120%">Joint ventures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span><br/></span></div></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="c-2759" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6987">38</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="c-2760" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6988">31</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="c-2761" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6989">42</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="c-2762" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6990">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="c-2763" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6991">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="c-2764" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6992">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%">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="c-2765" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6993">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="c-2766" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6994">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="c-2767" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6995">22</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="c-13" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6996">94</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6997">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="c-21" decimals="-6" name="ifrs-full:InvestmentsInJointVentures" scale="6" id="f-6998">100</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%">Associates</span></td><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="border-left: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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2768" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-6999">300</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="c-2769" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7000">259</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="c-2770" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7001">259</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="c-2771" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7002">265</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2772" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7003">251</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2773" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7004">248</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%">Atom Holdco Limited</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2774" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7005">222</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2775" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7006">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2776" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7007">132</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="c-2777" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7008">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="c-2778" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7009">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="c-2779" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7010">20</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 C.V.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2780" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7011">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="c-2781" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7012">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2782" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7013">23</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="c-2783" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7014">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="c-2784" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7015">105</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2785" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7016">134</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="c-13" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7017">895</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7018">883</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InvestmentsInAssociates" scale="6" id="f-7019">816</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="c-13" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-7020">989</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-7021">976</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-7022">916</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Details of the joint ventures and associates as of December 31, 2024 are shown in Appendix II. </span></div><ix:nonNumeric contextRef="c-1" name="bbva:JointVenturesAndAssociatesChangesInTheYearTableTextBlock" id="f-7023" 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, 2024, 2023 and 2022 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 style="width:54.678%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.537%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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 colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-7024">976</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="c-21" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-7025">916</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="c-173" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-7026">900</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:AcquisitionsAndCapitalIncreases" scale="6" id="f-7027">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="c-22" decimals="-6" name="bbva:AcquisitionsAndCapitalIncreases" scale="6" id="f-7028">95</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" name="bbva:AcquisitionsAndCapitalIncreases" scale="6" id="f-7029">87</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:DisposalsAndCapitalReductions" scale="6" id="f-7030">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:DisposalsAndCapitalReductions" scale="6" id="f-7031">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="c-23" decimals="-6" sign="-" name="bbva:DisposalsAndCapitalReductions" scale="6" id="f-7032">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"><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:TransfersAndChangesOfConsolidationMethod" scale="6" id="f-7033">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:TransfersAndChangesOfConsolidationMethod" scale="6" id="f-7034">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="c-23" decimals="-6" name="bbva:TransfersAndChangesOfConsolidationMethod" format="ixt:fixed-zero" scale="6" id="f-7035">&#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%">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="c-1" decimals="-6" name="bbva:ShareOfProfitAndLoss" scale="6" id="f-7036">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="c-22" decimals="-6" name="bbva:ShareOfProfitAndLoss" scale="6" id="f-7037">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ShareOfProfitAndLoss" scale="6" id="f-7038">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: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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:ExchangeDifferences" scale="6" id="f-7039">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="c-22" decimals="-6" name="bbva:ExchangeDifferences" scale="6" id="f-7040">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="c-23" decimals="-6" sign="-" name="bbva:ExchangeDifferences" scale="6" id="f-7041">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:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment / reversal of impairment &#8317;&#185;&#8318;</span></div></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:ValuationAdjustments" scale="6" id="f-7042">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:ValuationAdjustments" scale="6" id="f-7043">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="c-23" decimals="-6" name="bbva:ValuationAdjustments" scale="6" id="f-7044">42</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%">Dividends, valuation adjustments and other</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:DividendsValuationAdjustmentsAndOthers" scale="6" id="f-7045">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="c-22" decimals="-6" sign="-" name="bbva:DividendsValuationAdjustmentsAndOthers" scale="6" id="f-7046">30</ix: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="c-23" decimals="-6" sign="-" name="bbva:DividendsValuationAdjustmentsAndOthers" scale="6" id="f-7047">44</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 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="c-13" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-7048">989</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="c-20" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-7049">976</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="c-21" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-7050">916</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-55" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) See Note 16.3.</span></div></ix:footnote></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%">During the year 2024, the most significant changes under the heading "Joint ventures and associates" correspond to Solaris and </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 Espa&#241;ola de Financiaci&#243;n del Desarrollo S.A</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">. (Cofides) that left the scope of the consolidation perimeter in the first half of the year when the Group ceased to have significant influence in either 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%">During the years 2023 and 2022, the most significant changes under the heading "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%">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 style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-118</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_832"></div><hr style="page-break-after:always"/><div style="min-height: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%">16.2</span><ix:continuation id="f-6985-3" continuedAt="f-6985-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other information about associates and joint ventures</span></ix:continuation></div><ix:continuation id="f-6985-4" continuedAt="f-6985-5"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 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, 2024, 2023 and 2022 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="i22a2e436ff7c462c96898906283f922e_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%">16.3</span><ix:continuation id="f-6985-5" continuedAt="f-6985-6"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Impairment</span></ix:continuation></div><ix:continuation id="f-6985-6"><div style="margin-bottom:10pt;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 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, 2024, a net reversal of impairment was recorded for &#8364;<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" scale="6" id="f-7051">63</ix:nonFraction> million; for the year ended December 31, 2023, a net impairment was recorded for &#8364;<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" scale="6" id="f-7052">9</ix:nonFraction> million; while for the year ended December 31, 2022, a net reversal of impairment was recorded for &#8364;<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" scale="6" id="f-7053">42</ix:nonFraction> million (see Note 48).</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-119</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_838"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfTangibleAssetsTextBlock" id="f-7054" continuedAt="f-7054-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Tangible assets</span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" id="f-7055" continuedAt="f-7055-1" escape="true"><ix:continuation id="f-7054-1" continuedAt="f-7054-2"><div style="margin-bottom:10pt;margin-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, and changes in, the balances under 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 style="width:26.172%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.830%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.374%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.222%"/><td style="width:0.1%"/></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 2024 (Millions of Euros)</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><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 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"/></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 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"/><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"/><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="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 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="c-2786" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7056">6,405</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="c-2787" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7057">199</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="c-2788" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7058">6,424</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="c-2789" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7059">2,212</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="c-2790" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7060">238</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="c-2791" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7061">156</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="c-2792" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7062">800</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="c-20" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7063">16,432</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2793" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7064">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2794" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7065">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="c-2795" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7066">513</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2796" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7067">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2797" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7068">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="c-2798" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7069">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="c-2799" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7070">369</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2800" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="f-7071">1,914</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2801" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7072">38</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2802" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7073">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="c-2803" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7074">89</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2804" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7075">332</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2805" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7076">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="c-2806" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7077">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="c-2807" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7078">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2808" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7079">566</ix:nonFraction>)</span></td></tr><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%">Acquisition of subsidiaries in the year</span></div></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2809" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7080">&#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="c-2810" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7081">&#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="c-2811" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7082">&#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="c-2812" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7083">&#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="c-2813" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7084">&#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="c-2814" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7085">&#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="c-2815" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7086">&#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="c-2816" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7087">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2817" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7088">&#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="c-2818" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7089">&#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="c-2819" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7090">&#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="c-2820" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7091">&#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="c-2821" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7092">&#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="c-2822" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7093">&#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="c-2823" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7094">&#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="c-2824" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7095">&#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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2825" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7096">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="c-2826" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7097">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2827" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7098">145</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2828" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7099">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="c-2829" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7100">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="c-2830" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7101">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="c-2831" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7102">&#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="c-2832" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7103">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"><div style="margin-bottom:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange difference and other</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"> </span></div></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2833" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7104">192</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2834" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7105">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="c-2835" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7106">145</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2836" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7107">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="c-2837" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7108">&#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="c-2838" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7109">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="c-2839" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7110">53</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2840" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7111">208</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 colspan="3" 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="c-2841" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7112">6,475</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2842" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7113">155</ix:nonFraction></span></td><td colspan="3" 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="c-2843" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7114">6,848</ix:nonFraction></span></td><td colspan="3" 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="c-2844" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7115">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2845" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7116">251</ix:nonFraction></span></td><td colspan="3" 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="c-2846" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7117">241</ix:nonFraction></span></td><td colspan="3" 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="c-2847" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7118">1,158</ix:nonFraction></span></td><td colspan="3" 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="c-13" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7119">17,567</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%">Accrued depreciation </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"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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="c-2786" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7120">1,226</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="c-2787" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="f-7121">&#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="c-2788" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7122">4,606</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="c-2789" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7123">906</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="c-2790" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7124">93</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="c-2791" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7125">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="c-2792" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7126">49</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="c-20" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7127">6,896</ix:nonFraction></span></td></tr><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="c-2793" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7128">123</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2794" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7129">&#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="c-2795" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7130">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2796" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7131">324</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2797" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7132">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="c-2798" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7133">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="c-2799" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7134">&#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="c-2800" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7135">972</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2848" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7136">&#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="c-2849" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7137">&#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="c-2850" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7138">&#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="c-2851" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7139">&#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="c-2852" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7140">&#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="c-2853" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7141">&#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="c-2854" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7142">&#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="c-2855" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7143">&#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%">Retirements</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2801" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7144">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="c-2802" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7145">&#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="c-2803" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7146">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2804" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7147">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="c-2805" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7148">&#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="c-2806" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7149">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="c-2807" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7150">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="c-2808" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7151">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: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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2809" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7152">&#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="c-2810" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7153">&#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="c-2811" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7154">&#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="c-2812" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7155">&#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="c-2813" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7156">&#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="c-2814" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7157">&#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="c-2815" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7158">&#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="c-2816" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7159">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2817" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7160">&#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="c-2818" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7161">&#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="c-2819" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7162">&#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="c-2820" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7163">&#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="c-2821" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7164">&#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="c-2822" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7165">&#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="c-2823" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7166">&#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="c-2824" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7167">&#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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2825" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7168">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="c-2826" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7169">&#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="c-2827" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7170">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="c-2828" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7171">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2829" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7172">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2830" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7173">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="c-2831" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7174">&#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="c-2832" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7175">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%">Exchange difference and other</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2833" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7176">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2834" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7177">&#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="c-2835" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7178">181</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2836" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7179">46</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2837" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7180">&#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="c-2838" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7181">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="c-2839" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7182">111</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2840" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7183">165</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 colspan="3" 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="c-2841" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7184">1,262</ix:nonFraction></span></td><td colspan="3" 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="c-2842" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="f-7185">&#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="c-2843" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7186">4,850</ix:nonFraction></span></td><td colspan="3" 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="c-2844" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7187">1,164</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2845" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7188">91</ix:nonFraction></span></td><td colspan="3" 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="c-2846" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7189">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2847" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7190">153</ix:nonFraction></span></td><td colspan="3" 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="c-13" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7191">7,547</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%">Impairment </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"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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="c-2786" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7192">166</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="c-2787" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7193">&#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="c-2788" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7194">&#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="c-2789" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7195">40</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="c-2790" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7196">61</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="c-2791" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7197">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="c-2792" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7198">&#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="c-20" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7199">283</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="c-2793" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7200">65</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="c-2794" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7201">&#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="c-2795" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7202">2</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="c-2796" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7203">18</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="c-2797" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7204">20</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="c-2798" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7205">31</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="c-2799" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7206">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2800" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7207">29</ix:nonFraction>)</span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2848" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7208">&#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="c-2849" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7209">&#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="c-2850" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7210">&#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="c-2851" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7211">&#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="c-2852" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7212">&#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="c-2853" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7213">&#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="c-2854" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7214">&#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="c-2855" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7215">&#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%">Retirements</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2801" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7216">&#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="c-2802" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7217">&#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="c-2803" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7218">&#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="c-2804" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7219">&#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="c-2805" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7220">&#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="c-2806" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7221">&#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="c-2807" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7222">&#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="c-2808" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7223">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2809" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7224">&#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="c-2810" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7225">&#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="c-2811" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7226">&#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="c-2812" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7227">&#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="c-2813" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7228">&#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="c-2814" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7229">&#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="c-2815" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7230">&#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="c-2816" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7231">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2817" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7232">&#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="c-2818" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7233">&#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="c-2819" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7234">&#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="c-2820" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7235">&#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="c-2821" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7236">&#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="c-2822" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7237">&#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="c-2823" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7238">&#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="c-2824" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7239">&#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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2825" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7240">&#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="c-2826" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7241">&#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="c-2827" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7242">&#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="c-2828" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7243">&#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="c-2829" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7244">&#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="c-2830" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7245">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="c-2831" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7246">&#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="c-2832" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7247">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%">Exchange difference and other</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2833" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7248">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="c-2834" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7249">&#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="c-2835" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7250">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="c-2836" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7251">&#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="c-2837" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7252">&#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="c-2838" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7253">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="c-2839" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7254">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="c-2840" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7255">13</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 colspan="3" 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="c-2841" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7256">118</ix:nonFraction></span></td><td colspan="3" 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="c-2842" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7257">&#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="c-2843" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7258">&#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="c-2844" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7259">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2845" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7260">81</ix:nonFraction></span></td><td colspan="3" 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="c-2846" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7261">39</ix:nonFraction></span></td><td colspan="3" 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="c-2847" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7262">&#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="c-13" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7263">260</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%">Net tangible assets</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"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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="c-2786" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7264">5,013</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="c-2787" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7265">199</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="c-2788" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7266">1,817</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="c-2789" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7267">1,266</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="c-2790" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7268">84</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="c-2791" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7269">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2792" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7270">751</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="c-20" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7271">9,253</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 colspan="3" 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="c-2841" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7272">5,094</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2842" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7273">155</ix:nonFraction></span></td><td colspan="3" 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="c-2843" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7274">1,999</ix:nonFraction></span></td><td colspan="3" 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="c-2844" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7275">1,253</ix:nonFraction></span></td><td colspan="3" 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="c-2845" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7276">79</ix:nonFraction></span></td><td colspan="3" 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="c-2846" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7277">174</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="c-2847" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7278">1,004</ix:nonFraction></span></td><td colspan="3" 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="c-13" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7279">9,759</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><div style="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-7055-1" continuedAt="f-7055-2"><ix:continuation id="f-7054-2" continuedAt="f-7054-3"><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 style="width:25.402%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.070%"/><td style="width:0.1%"/></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 2023 (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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><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 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 colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/></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 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="c-2856" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7280">6,255</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="c-2857" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7281">93</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="c-2858" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7282">5,833</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="c-2859" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7283">1,871</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="c-2860" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7284">214</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="c-2861" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7285">242</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="c-2862" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7286">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="c-21" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7287">15,089</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2863" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7288">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2864" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7289">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2865" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7290">549</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2866" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7291">499</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2867" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7292">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="c-2868" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7293">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="c-2869" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7294">238</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2870" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="f-7295">1,795</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2871" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7296">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="c-2872" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7297">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="c-2873" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7298">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="c-2874" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7299">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2875" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7300">&#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="c-2876" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7301">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="c-2877" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7302">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="c-2878" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7303">349</ix:nonFraction>)</span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2879" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7304">&#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="c-2880" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7305">&#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="c-2881" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7306">&#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="c-2882" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7307">&#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="c-2883" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7308">&#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="c-2884" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7309">&#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="c-2885" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7310">&#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="c-2886" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7311">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2887" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7312">&#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="c-2888" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7313">&#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="c-2889" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7314">&#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="c-2890" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7315">&#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="c-2891" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7316">&#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="c-2892" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7317">&#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="c-2893" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7318">&#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="c-2894" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7319">&#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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2895" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7320">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="c-2896" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7321">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2897" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7322">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2898" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7323">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="c-2899" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7324">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="c-2900" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7325">&#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="c-2901" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7326">&#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="c-2902" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7327">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"><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2903" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7328">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="c-2904" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7329">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="c-2905" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7330">118</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2906" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7331">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2907" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7332">&#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="c-2908" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7333">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2909" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7334">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="c-2910" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7335">79</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 colspan="3" 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="c-2786" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7336">6,405</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="c-2787" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7337">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="c-2788" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7338">6,424</ix:nonFraction></span></td><td colspan="3" 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="c-2789" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7339">2,212</ix:nonFraction></span></td><td colspan="3" 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="c-2790" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7340">238</ix:nonFraction></span></td><td colspan="3" 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="c-2791" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7341">156</ix:nonFraction></span></td><td colspan="3" 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="c-2792" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7342">800</ix:nonFraction></span></td><td colspan="3" 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="c-20" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7343">16,432</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%">Accrued depreciation </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"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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="c-2856" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7344">1,064</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="c-2857" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="f-7345">&#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="c-2858" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7346">4,204</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="c-2859" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7347">653</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="c-2860" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7348">70</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="c-2861" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7349">23</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="c-2862" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7350">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="c-21" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7351">6,066</ix:nonFraction></span></td></tr><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="c-2863" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7352">121</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2864" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7353">&#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="c-2865" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7354">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="c-2866" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7355">296</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2867" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7356">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="c-2868" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7357">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="c-2869" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7358">&#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="c-2870" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7359">867</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2911" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7360">&#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="c-2912" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7361">&#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="c-2913" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7362">&#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="c-2914" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7363">&#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="c-2915" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7364">&#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="c-2916" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7365">&#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="c-2917" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7366">&#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="c-2918" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7367">&#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%">Retirements</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2871" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7368">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="c-2872" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7369">&#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="c-2873" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7370">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2874" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7371">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="c-2875" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7372">&#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="c-2876" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7373">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="c-2877" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7374">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="c-2878" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7375">111</ix:nonFraction>)</span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2879" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7376">&#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="c-2880" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7377">&#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="c-2881" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7378">&#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="c-2882" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7379">&#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="c-2883" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7380">&#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="c-2884" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7381">&#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="c-2885" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7382">&#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="c-2886" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7383">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2887" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7384">&#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="c-2888" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7385">&#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="c-2889" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7386">&#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="c-2890" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7387">&#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="c-2891" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7388">&#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="c-2892" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7389">&#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="c-2893" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7390">&#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="c-2894" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7391">&#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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2895" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7392">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="c-2896" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7393">&#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="c-2897" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7394">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="c-2898" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7395">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="c-2899" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7396">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="c-2900" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7397">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="c-2901" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7398">&#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="c-2902" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7399">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: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 colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2903" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7400">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="c-2904" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7401">&#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="c-2905" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7402">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2906" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7403">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="c-2907" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7404">&#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="c-2908" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7405">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="c-2909" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7406">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2910" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7407">85</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 colspan="3" style="background-color:#5AC4C4;border-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="c-2786" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7408">1,226</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="c-2787" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="f-7409">&#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="c-2788" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7410">4,606</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="c-2789" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7411">906</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="c-2790" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7412">93</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="c-2791" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7413">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2792" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7414">49</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="c-20" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7415">6,896</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%">Impairment </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"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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="c-2856" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7416">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="c-2857" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7417">&#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="c-2858" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7418">&#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="c-2859" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7419">65</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="c-2860" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7420">50</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="c-2861" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7421">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="c-2862" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7422">&#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="c-21" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7423">286</ix:nonFraction></span></td></tr><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="c-2863" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7424">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="c-2864" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7425">&#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="c-2865" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7426">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="c-2866" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7427">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="c-2867" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7428">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="c-2868" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7429">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="c-2869" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7430">&#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="c-2870" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7431">16</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2911" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7432">&#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="c-2912" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7433">&#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="c-2913" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7434">&#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="c-2914" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7435">&#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="c-2915" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7436">&#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="c-2916" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7437">&#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="c-2917" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7438">&#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="c-2918" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7439">&#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%">Retirements</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2871" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7440">&#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="c-2872" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7441">&#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="c-2873" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7442">&#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="c-2874" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7443">&#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="c-2875" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7444">&#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="c-2876" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7445">&#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="c-2877" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7446">&#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="c-2878" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7447">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2879" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7448">&#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="c-2880" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7449">&#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="c-2881" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7450">&#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="c-2882" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7451">&#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="c-2883" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7452">&#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="c-2884" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7453">&#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="c-2885" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7454">&#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="c-2886" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7455">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2887" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7456">&#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="c-2888" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7457">&#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="c-2889" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7458">&#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="c-2890" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7459">&#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="c-2891" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7460">&#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="c-2892" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7461">&#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="c-2893" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7462">&#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="c-2894" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7463">&#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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2895" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7464">&#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="c-2896" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7465">&#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="c-2897" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7466">&#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="c-2898" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7467">&#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="c-2899" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7468">&#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="c-2900" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7469">&#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="c-2901" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7470">&#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="c-2902" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7471">&#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%">Exchange difference and other</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2903" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7472">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="c-2904" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7473">&#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="c-2905" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7474">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="c-2906" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7475">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="c-2907" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7476">&#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="c-2908" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7477">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="c-2909" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7478">&#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="c-2910" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7479">18</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 colspan="3" 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="c-2786" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7480">166</ix:nonFraction></span></td><td colspan="3" 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="c-2787" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7481">&#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="c-2788" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7482">&#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="c-2789" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7483">40</ix:nonFraction></span></td><td colspan="3" 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="c-2790" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7484">61</ix:nonFraction></span></td><td colspan="3" 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="c-2791" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7485">15</ix:nonFraction></span></td><td colspan="3" 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="c-2792" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7486">&#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="c-20" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7487">283</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%">Net tangible assets</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"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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="c-2856" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7488">5,036</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="c-2857" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7489">93</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="c-2858" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7490">1,629</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="c-2859" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7491">1,153</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="c-2860" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7492">94</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="c-2861" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7493">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="c-2862" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7494">530</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="c-21" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7495">8,737</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 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="c-2786" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7496">5,013</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="c-2787" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7497">199</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="c-2788" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7498">1,817</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="c-2789" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7499">1,266</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="c-2790" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7500">84</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="c-2791" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7501">124</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="c-2792" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7502">751</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="c-20" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7503">9,253</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:continuation><div style="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-7054-3" continuedAt="f-7054-4"><ix:continuation id="f-7055-2"><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 style="width:25.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.063%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.914%"/><td style="width:0.1%"/></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 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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="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:32pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><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></tr><tr style="height:12pt"><td colspan="30" style="display:none"/></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 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"/><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"/><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="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 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="c-2919" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7504">4,350</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="c-2920" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7505">67</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="c-2921" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7506">5,388</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="c-2922" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7507">3,154</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="c-2923" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7508">162</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="c-2924" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7509">147</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="c-2925" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7510">267</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="c-173" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7511">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2926" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7512">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="c-2927" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7513">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="c-2928" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7514">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="c-2929" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7515">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2930" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7516">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2931" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7517">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="c-2932" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7518">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="c-2933" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="f-7519">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7520">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="c-2935" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7521">&#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="c-2936" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7522">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="c-2937" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="f-7523">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="c-2938" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7524">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="c-2939" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7525">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="c-2940" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7526">&#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="c-2941" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="f-7527">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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisition of subsidiaries in the year &#8317;&#185;&#8318;</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="f-7528">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="c-2943" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7529">&#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="c-2944" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7530">&#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="c-2945" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7531">&#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="c-2946" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7532">&#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="c-2947" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7533">&#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="c-2948" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7534">&#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="c-2949" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:num-dot-decimal" scale="6" id="f-7535">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:7pt;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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2950" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7536">&#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="c-2951" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7537">&#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="c-2952" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7538">&#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="c-2953" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7539">&#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="c-2954" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7540">&#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="c-2955" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7541">&#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="c-2956" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7542">&#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="c-2957" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7543">&#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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2958" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7544">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="c-2959" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7545">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="c-2960" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7546">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="c-2961" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7547">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="c-2962" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7548">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="c-2963" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7549">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="c-2964" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7550">&#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="c-2965" decimals="-6" sign="-" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7551">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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange difference and other &#8317;&#178;&#8318;</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2966" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7552">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="c-2967" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7553">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="c-2968" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7554">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="c-2969" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7555">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="c-2970" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7556">&#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="c-2971" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7557">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="c-2972" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7558">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="c-2973" decimals="-6" name="bbva:CostOfTangibleAssetsChangesInTheYear" scale="6" id="f-7559">580</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 colspan="3" style="background-color:#5AC4C4;border-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="c-2856" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7560">6,255</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="c-2857" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7561">93</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="c-2858" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7562">5,833</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="c-2859" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7563">1,871</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="c-2860" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7564">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2861" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7565">242</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="c-2862" decimals="-6" name="bbva:CostOfTangibleAssets" scale="6" id="f-7566">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="c-21" decimals="-6" name="bbva:CostOfTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7567">15,089</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%">Accrued depreciation </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"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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="c-2919" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7568">900</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="c-2920" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="f-7569">&#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="c-2921" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7570">3,833</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="c-2922" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7571">811</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="c-2923" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7572">47</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="c-2924" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7573">17</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="c-2925" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7574">33</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="c-173" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7575">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="c-2926" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7576">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="c-2927" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7577">&#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="c-2928" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7578">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="c-2929" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7579">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2930" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7580">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2931" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7581">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="c-2932" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7582">&#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="c-2933" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7583">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: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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2974" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7584">&#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="c-2975" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7585">&#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="c-2976" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7586">&#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="c-2977" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7587">&#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="c-2978" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7588">&#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="c-2979" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7589">&#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="c-2980" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7590">&#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="c-2981" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7591">&#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%">Retirements</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7592">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="c-2935" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7593">&#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="c-2936" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7594">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="c-2937" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7595">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7596">&#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="c-2939" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7597">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="c-2940" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7598">&#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="c-2941" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7599">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7600">&#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="c-2943" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7601">&#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="c-2944" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7602">&#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="c-2945" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7603">&#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="c-2946" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7604">&#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="c-2947" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7605">&#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="c-2948" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7606">&#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="c-2949" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7607">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2950" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7608">&#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="c-2951" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7609">&#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="c-2952" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7610">&#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="c-2953" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7611">&#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="c-2954" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7612">&#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="c-2955" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7613">&#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="c-2956" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7614">&#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="c-2957" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7615">&#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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2958" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7616">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="c-2959" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7617">&#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="c-2960" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7618">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="c-2961" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7619">220</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2962" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7620">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="c-2963" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7621">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="c-2964" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7622">&#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="c-2965" decimals="-6" sign="-" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7623">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2966" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7624">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="c-2967" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7625">&#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="c-2968" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7626">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="c-2969" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7627">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="c-2970" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7628">&#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="c-2971" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7629">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="c-2972" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7630">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="c-2973" decimals="-6" name="bbva:AccruedDepreciationChangesInTheYear" scale="6" id="f-7631">138</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 colspan="3" style="background-color:#5AC4C4;border-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="c-2856" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7632">1,064</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="c-2857" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:fixed-zero" scale="6" id="f-7633">&#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="c-2858" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7634">4,204</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2859" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7635">653</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="c-2860" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7636">70</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="c-2861" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7637">23</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="c-2862" decimals="-6" name="bbva:AccruedDepreciation" scale="6" id="f-7638">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="c-21" decimals="-6" name="bbva:AccruedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-7639">6,066</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%">Impairment </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"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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="c-2919" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7640">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="c-2920" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7641">&#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="c-2921" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7642">&#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="c-2922" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7643">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="c-2923" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7644">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="c-2924" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7645">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="c-2925" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7646">&#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="c-173" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7647">596</ix:nonFraction></span></td></tr><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="c-2926" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7648">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="c-2927" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7649">&#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="c-2928" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7650">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="c-2929" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7651">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2930" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7652">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2931" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7653">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="c-2932" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7654">&#8212;</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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2933" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7655">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%">Additions transfer to discontinued operations</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2974" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7656">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2975" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7657">&#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="c-2976" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7658">&#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="c-2977" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7659">&#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="c-2978" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7660">&#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="c-2979" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7661">&#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="c-2980" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7662">&#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="c-2981" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7663">&#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%">Retirements</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7664">&#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="c-2935" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7665">&#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="c-2936" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7666">&#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="c-2937" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7667">&#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="c-2938" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7668">&#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="c-2939" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7669">&#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="c-2940" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7670">&#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="c-2941" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7671">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7672">&#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="c-2943" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7673">&#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="c-2944" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7674">&#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="c-2945" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7675">&#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="c-2946" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7676">&#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="c-2947" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7677">&#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="c-2948" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7678">&#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="c-2949" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7679">&#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%">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2950" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7680">&#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="c-2951" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7681">&#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="c-2952" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7682">&#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="c-2953" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7683">&#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="c-2954" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7684">&#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="c-2955" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7685">&#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="c-2956" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7686">&#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="c-2957" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7687">&#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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-2958" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7688">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="c-2959" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7689">&#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="c-2960" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7690">&#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="c-2961" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7691">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="c-2962" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7692">&#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="c-2963" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7693">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="c-2964" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7694">&#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="c-2965" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7695">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: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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2966" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7696">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2967" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7697">&#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="c-2968" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7698">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="c-2969" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7699">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="c-2970" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7700">&#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="c-2971" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7701">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="c-2972" decimals="-6" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" format="ixt:fixed-zero" scale="6" id="f-7702">&#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="c-2973" decimals="-6" sign="-" name="bbva:ImpairmentOfTangibleAssetsChangesInTheYear" scale="6" id="f-7703">270</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 colspan="3" style="background-color:#5AC4C4;border-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="c-2856" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7704">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2857" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7705">&#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="c-2858" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7706">&#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="c-2859" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7707">65</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="c-2860" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7708">50</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="c-2861" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7709">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2862" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" format="ixt:fixed-zero" scale="6" id="f-7710">&#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="c-21" decimals="-6" name="bbva:ImpairmentOfTangibleAssets" scale="6" id="f-7711">286</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%">Net tangible assets</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"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 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="c-2919" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7712">3,336</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="c-2920" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7713">67</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="c-2921" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7714">1,555</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="c-2922" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7715">1,916</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="c-2923" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7716">81</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="c-2924" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7717">109</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="c-2925" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7718">234</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="c-173" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7719">7,298</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 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="c-2856" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7720">5,036</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="c-2857" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7721">93</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="c-2858" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7722">1,629</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2859" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7723">1,153</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="c-2860" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7724">94</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="c-2861" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7725">201</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="c-2862" decimals="-6" name="bbva:TangibleAssets" scale="6" id="f-7726">530</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="c-21" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7727">8,737</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-56" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><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%">The amount in 2022 was affected by 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: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 BBVA Group.</span></div></ix:footnote><div style="text-align:justify"><ix:footnote id="fn-57" continuedAt="fn-57-1" 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%">(2) </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">The variation in 2022 corresponds mainly to the effect of the IAS 29 "Financial Reporting in Hyperinflationary Economies" implementation in Turkey (see Note</span></ix:footnote><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"><ix:continuation id="fn-57-1"> 2.2.18)</ix:continuation>.</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, 2024, 2023 and 2022, the cost of fully amortized tangible assets that remained in use were &#8364;3,186, &#8364;2,796 and &#8364;2,443 million respectively while its recoverable residual value was not significant.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" id="f-7728" 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, 2024, 2023 and 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 style="width:58.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.306%"/><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%">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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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="c-2982" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7729">4,129</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="c-2983" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7730">4,183</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="c-2984" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7731">4,285</ix:nonFraction></span></td></tr><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="c-2985" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7732">5,630</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2986" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7733">5,071</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-2987" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7734">4,452</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="c-13" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7735">9,759</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="c-20" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7736">9,253</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="c-21" decimals="-6" name="bbva:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-7737">8,737</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-58" 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:115%">(1) The number of branches in 2022 was affected by 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.</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%">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) from Merlin Properties SOCIMI, S.A. </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-7054-4"><div style="margin-bottom:10pt;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 recognized 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 was recognized 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 style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-123</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfIntangibleAssetsExplanatory" id="f-7738" continuedAt="f-7738-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Intangible assets</span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_844"></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><ix:continuation id="f-7738-1" continuedAt="f-7738-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Goodwill</span></ix:continuation></div><ix:continuation id="f-7738-2" continuedAt="f-7738-3"><ix:nonNumeric contextRef="c-1" name="bbva:ReconciliationOfChangesInGoodwillTableTextBlock" id="f-7739" 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;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:38.714%"/><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:8.936%"/><td style="width:0.1%"/></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%">Goodwill. Breakdown by CGU and changes of the year (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;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"> (1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;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:right;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:right;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:right;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 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"/><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="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, 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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2988" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7740">504</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2989" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7741">152</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2990" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7742">134</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2991" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7743">24</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2992" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7744">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="c-173" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7745">818</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="c-2993" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7746">&#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="c-2994" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7747">&#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="c-2995" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7748">&#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="c-2996" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7749">&#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="c-2997" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7750">&#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="c-23" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7751">&#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="c-2993" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7752">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="c-2994" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" format="ixt:fixed-zero" scale="6" id="f-7753">&#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="c-2995" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7754">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="c-2996" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7755">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="c-2997" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7756">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="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7757">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="c-2993" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7758">&#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="c-2994" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7759">&#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="c-2995" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7760">&#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="c-2996" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7761">&#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="c-2997" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7762">&#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="c-23" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7763">&#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%">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="c-2993" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7764">&#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="c-2994" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7765">&#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="c-2995" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7766">&#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="c-2996" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7767">&#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="c-2997" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7768">&#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="c-23" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7769">&#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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2993" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="f-7770">&#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="c-2994" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" scale="6" id="f-7771">152</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2995" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="f-7772">&#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="c-2996" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="f-7773">&#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="c-2997" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" format="ixt:fixed-zero" scale="6" id="f-7774">&#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="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" scale="6" id="f-7775">152</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, 2022</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-2998" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7776">559</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="c-2999" decimals="-6" name="ifrs-full:Goodwill" format="ixt:fixed-zero" scale="6" id="f-7777">&#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="c-3000" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7778">118</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="c-3001" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7779">25</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="c-3002" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7780">5</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="c-21" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7781">707</ix:nonFraction></span></td></tr><tr><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="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="c-3003" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7782">&#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="c-3004" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7783">&#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="c-3005" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7784">&#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="c-3006" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7785">&#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="c-3007" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7786">&#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="c-22" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7787">&#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="c-3003" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7788">64</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3004" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" format="ixt:fixed-zero" scale="6" id="f-7789">&#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="c-3005" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7790">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3006" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7791">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="c-3007" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" format="ixt:fixed-zero" scale="6" id="f-7792">&#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="c-22" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7793">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"><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="c-3003" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7794">&#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="c-3004" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7795">&#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="c-3005" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7796">&#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="c-3006" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7797">&#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="c-3007" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7798">&#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="c-22" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7799">&#8212;</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" contextRef="c-3003" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7800">&#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="c-3004" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7801">&#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="c-3005" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7802">&#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="c-3006" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7803">&#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="c-3007" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7804">&#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="c-22" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7805">&#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, 2023</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3008" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7806">623</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="c-3009" decimals="-6" name="ifrs-full:Goodwill" format="ixt:fixed-zero" scale="6" id="f-7807">&#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="c-3010" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7808">143</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="c-3011" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7809">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="c-3012" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7810">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="c-20" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7811">795</ix:nonFraction></span></td></tr><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="c-3013" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7812">&#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="c-3014" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7813">&#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="c-3015" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7814">&#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="c-3016" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7815">&#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="c-3017" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7816">&#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="c-1" decimals="-6" name="ifrs-full:AdditionalRecognitionGoodwill" format="ixt:fixed-zero" scale="6" id="f-7817">&#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="c-3013" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7818">82</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3014" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" format="ixt:fixed-zero" scale="6" id="f-7819">&#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="c-3015" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7820">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3016" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7821">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="c-3017" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7822">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="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-7823">95</ix:nonFraction>)</span></td></tr><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="c-3013" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7824">&#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="c-3014" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7825">&#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="c-3015" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7826">&#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="c-3016" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7827">&#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="c-3017" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7828">&#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="c-1" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7829">&#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%">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="c-3013" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7830">&#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="c-3014" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7831">&#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="c-3015" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7832">&#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="c-3016" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7833">&#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="c-3017" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7834">&#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="c-1" decimals="-6" name="bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" format="ixt:fixed-zero" scale="6" id="f-7835">&#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 as of December 31, 2024</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="c-3018" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7836">541</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="c-3019" decimals="-6" name="ifrs-full:Goodwill" format="ixt:fixed-zero" scale="6" id="f-7837">&#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="c-3020" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7838">132</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="c-3021" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7839">23</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="c-3022" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7840">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="c-13" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-7841">700</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-59" 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%">(1) As a result of the application of IAS 29, as indicated in Note 2.2.18, the book value of the Turkish CGU exceeded the existing recoverable value, so on January 1, 2022 the goodwill as well as other intangible assets 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 2024, 2023 and 2022.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_847"></div><ix:continuation id="f-7738-3" continuedAt="f-7738-4"><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. </span></div><div style="margin-bottom:10pt;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 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><div style="margin-bottom:10pt;margin-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 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 GDP of the geographical area 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 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="c-1" name="bbva:ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" id="f-7842" continuedAt="f-7842-1" 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 goodwill corresponds to the CGU in Mexico, the main significant assumptions used in the impairment test of this CGU as of December 31, 2024, 2023 and 2022 are as follows:</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-7738-4" continuedAt="f-7738-5"><ix:continuation id="f-7842-1"><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 style="width:64.693%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.303%"/><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%">Impairment test assumptions CGU goodwill in Mexico </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 1.18pt 2px 1pt;text-align:right;text-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 1.18pt 2px 1pt;text-align:right;text-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 1.18pt 2px 1pt;text-align:right;text-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-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%">Discount rate</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="2" style="border-left: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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="c-3023" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-7843">18.3</ix:nonFraction>&#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:8pt;font-weight:400;line-height:120%">&#160;%</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="c-3024" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-7844">12.4</ix:nonFraction>&#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:8pt;font-weight:400;line-height:120%">&#160;%</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="rate" contextRef="c-3025" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-7845">12.7</ix:nonFraction>&#160;</span></td><td style="border-right:1pt solid #FFFFFF;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:8pt;font-weight:400;line-height:120%">&#160;%</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-3023" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-7846">5.5</ix:nonFraction>&#160;</span></td><td style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align: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="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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-3024" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-7847">5.6</ix:nonFraction>&#160;</span></td><td style="border-bottom:1pt solid #FFFFFF;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="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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="number" contextRef="c-3025" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-7848">6.3</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: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></tr></table></div><ix:footnote id="fn-60" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) After tax discount rates.</span></div></ix:footnote></ix:continuation><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 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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, 2024, 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 style="width:66.850%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.924%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.926%"/><td style="width:0.1%"/></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 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="c-3026" decimals="2" sign="-" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-7851">3</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="c-3027" decimals="2" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-7852">3</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="c-3026" decimals="2" name="bbva:GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" scale="-2" id="f-7853">2</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="c-3027" decimals="2" sign="-" name="bbva:GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" scale="-2" id="f-7854">2</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><ix:footnote id="fn-61" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(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.</span></div></ix:footnote></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:130%">As a result of the application of IAS 29 "Financial Reporting in Hyperinflationary Economies" in 2022, as indicated in Note 2.2.18, 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 assigned to the Turkish CGU were derecognized in their entirety.</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 id="i22a2e436ff7c462c96898906283f922e_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%">18.2</span><ix:continuation id="f-7738-5" continuedAt="f-7738-6"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other intangible assets </span></ix:continuation></div><ix:continuation id="f-7738-6"><ix:nonNumeric contextRef="c-1" name="bbva:OtherIntangibleAssetsTableTextBlock" id="f-7855" 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 style="width:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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="c-3028" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7856">1,764</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="c-3029" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7857">1,535</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="c-3030" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7858">1,393</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="c-3031" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7859">9</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="c-3032" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7860">8</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="c-3033" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7861">13</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="c-3034" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7862">17</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="c-3035" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7863">25</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="c-3036" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7864">43</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="c-13" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7865">1,790</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="c-20" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7866">1,568</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="c-21" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7867">1,449</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:ChangesInOtherIntangibleAssetsTableTextBlock" id="f-7868" 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, 2024, 2023 and 2022, 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 style="width:25.248%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.151%"/><td style="width:0.1%"/></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 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 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 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 colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="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%">2024</span></td><td colspan="3" style="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%">2023</span></td><td colspan="3" style="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-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="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%">2024</span></td><td colspan="3" style="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%">2023</span></td><td colspan="3" style="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-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="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%">2024</span></td><td colspan="3" style="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%">2023</span></td><td colspan="3" style="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></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 colspan="3" style="background-color:#5AC4C4;border-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="c-3037" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7869">1,535</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="c-3038" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7870">1,396</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="c-3039" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7871">1,239</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-3040" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7872">33</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="c-3041" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7873">56</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="c-3042" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7874">140</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-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="c-3043" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7875">1,568</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="c-3044" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7876">1,453</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="c-3045" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7877">1,379</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3046" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7878">771</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3047" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7879">688</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3048" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7880">592</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3049" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7881">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="c-3050" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7882">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="c-3051" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-7883">&#8212;</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3052" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7884">782</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3053" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7885">689</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3054" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7886">592</ix:nonFraction></span></td></tr><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="c-3046" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7887">543</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3047" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7888">518</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3048" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7889">490</ix:nonFraction>)</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3049" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7890">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="c-3050" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7891">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="c-3051" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7892">20</ix:nonFraction>)</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3052" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7893">561</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3053" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7894">536</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3054" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-7895">510</ix:nonFraction>)</span></td></tr><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"> </span></div></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3046" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-7896">&#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="c-3047" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-7897">&#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="c-3048" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-7898">&#8212;</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3049" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-7899">&#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="c-3050" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-7900">&#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="c-3051" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-7901">&#8212;</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3052" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-7902">&#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="c-3053" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-7903">&#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="c-3054" decimals="-6" name="bbva:AmortizationTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-7904">&#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%">Exchange differences and other </span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3046" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-7905">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="c-3047" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-7906">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="c-3048" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-7907">80</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3049" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-7908">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="c-3050" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-7909">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="c-3051" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-7910">63</ix:nonFraction>)</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3052" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-7911">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="c-3053" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-7912">11</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3054" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-7913">17</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3046" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="f-7914">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="c-3047" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="f-7915">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="c-3048" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="f-7916">25</ix:nonFraction>)</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3049" decimals="-6" name="bbva:Impairment" format="ixt:fixed-zero" scale="6" id="f-7917">&#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="c-3050" decimals="-6" name="bbva:Impairment" format="ixt:fixed-zero" scale="6" id="f-7918">&#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="c-3051" decimals="-6" name="bbva:Impairment" format="ixt:fixed-zero" scale="6" id="f-7919">&#8212;</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3052" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="f-7920">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="c-3053" decimals="-6" sign="-" name="bbva:Impairment" scale="6" id="f-7921">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="c-3054" decimals="-6" name="bbva:Impairment" scale="6" id="f-7922">25</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 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="c-3055" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7923">1,764</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="c-3037" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7924">1,535</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="c-3038" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7925">1,396</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 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="c-3056" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7926">26</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="c-3040" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7927">33</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="c-3041" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-7928">56</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 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="c-3057" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7929">1,790</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="c-3043" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7930">1,568</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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3044" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-7931">1,453</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, 2024, 2023 and 2022, the cost of fully amortized intangible assets that remained in use were &#8364;4,214 million, &#8364;4,214 million and &#8364;3,490 million respectively, while their recoverable value was 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-125</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfTaxAssetsAndLiabilitiesTextBlock" id="f-7932" continuedAt="f-7932-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Tax assets and liabilities</span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_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%">19.1</span><ix:continuation id="f-7932-1" continuedAt="f-7932-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Consolidated tax group</span></ix:continuation></div><ix:continuation id="f-7932-2" continuedAt="f-7932-3"><div style="margin-bottom:10pt;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="i22a2e436ff7c462c96898906283f922e_859"></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><ix:continuation id="f-7932-3" continuedAt="f-7932-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Years open for review by the tax authorities</span></ix:continuation></div><ix:continuation id="f-7932-4" continuedAt="f-7932-5"><div style="margin-bottom:10pt;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, 2024, the BBVA consolidated tax group in Spain was undergoing inspection in connection with the years 2017 to 2020, 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%">Notwithstanding the above, the application of the temporary tax on credit institutions by BBVA, S.A. for the year 2023 is being reviewed  by the Tax Administration.</span></div><div style="margin-bottom:10pt;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 other main jurisdictions in which the Group is present and carries out its activity, in Mexico, during fiscal year 2024 the review procedure corresponding to fiscal year 2018 for the income tax of BBVA M&#233;xico, S.A. has continued.</span></div><div style="margin-bottom:10pt;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 coverage, if applicable, of tax risks identified in the consolidated financial statements, it may involve either the recording of a provision or a lower deferred tax asset or tax credit to the extent that the risk being hedged had previously given rise to the registration of a deferred tax asset or tax credit.</span></div><div style="margin-bottom:10pt;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, in the terms indicated in the previous paragraph, the Group has established provisions that, without prejudice to the uncertainty associated with any ongoing processes, it considers appropriate taking into account the identified risks (in accordance with the relevant evaluation and estimation possibilities of such risks) and that, in no case, are considered individually 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%">Without prejudice to the foregoing, due to the possible different interpretations that may be given to certain tax regulations, the results of the inspections that, where appropriate, are carried out by the tax authorities are likely to reveal other contingent tax liabilities, the amount of which It is not possible to quantify objectively at the present time. However, the Group estimates that the possibility of these contingent liabilities materializing is remote and, in any case, the tax debt that could arise from them would not significantly affect the accompanying consolidated financial statements of the Group.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_862"></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><ix:continuation id="f-7932-5" continuedAt="f-7932-6"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Reconciliation of the tax expense</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock" id="f-7933" continuedAt="f-7933-1" escape="true"><ix:continuation id="f-7932-6" continuedAt="f-7932-7"><div style="margin-bottom:10pt;margin-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 style="width:43.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.150%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</span></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%">2022 &#8317;&#185;&#8318; </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 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="c-3058" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7934">15,405</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-3059" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7935">12,419</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-3060" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7936">10,268</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-3061" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7937">15,405</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-3062" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7938">12,419</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-3063" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7939">10,268</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-3064" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="f-7940">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><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="c-3065" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="f-7941">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><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="c-3066" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="f-7942">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></tr><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="c-3067" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7943">4,622</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3068" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7944">3,726</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3069" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7945">3,080</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"/></tr><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 &#8317;&#178;&#8318;</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="c-3070" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7946">193</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3071" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7947">2</ix:nonFraction></span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3072" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7948">317</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"/></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="c-3073" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7949">180</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="c-3073" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7950">28</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="c-3074" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7951">194</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="c-3074" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7952">27</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="c-3075" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7953">203</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="c-3075" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7954">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:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">%</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%">Chile </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="c-3076" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7955">2</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="c-3076" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7956">23</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="c-3077" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7957">4</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="c-3077" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7958">11</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="c-3078" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7959">8</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="c-3078" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7960">13</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></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%">Colombia </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="c-3079" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7961">1</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="c-3079" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7962">29</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="c-3080" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7963">25</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="c-3080" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7964">14</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="c-3081" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7965">24</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="c-3081" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7966">37</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></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%">Peru </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="c-3082" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7967">44</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="c-3082" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7968">23</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="c-3083" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7969">55</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="c-3083" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7970">20</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="c-3084" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7971">16</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="c-3084" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7972">27</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></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%">Turkey</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="c-3085" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7973">498</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="c-3085" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7974">62</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="c-3086" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7975">314</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="c-3086" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7976">57</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="c-3087" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7977">621</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="c-3087" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7978">70</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></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%">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="c-3088" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7979">14</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="c-3088" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7980">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:'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="c-3089" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7981">5</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="c-3089" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7982">33</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="c-3090" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7983">17</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="c-3090" decimals="2" name="bbva:EffectiveTaxPercentageOnReconciliation" scale="-2" id="f-7984">17</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></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%">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="c-3091" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7985">64</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><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="c-3092" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7986">39</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><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="c-3093" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7987">118</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></tr><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="c-3094" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7988">44</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3095" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7989">26</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3096" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7990">25</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></tr><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="c-3097" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7991">14</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3098" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7992">8</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3099" decimals="-6" sign="-" name="bbva:AmountOfReconciliation" scale="6" id="f-7993">6</ix:nonFraction>)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></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 &#8317;&#179;&#8318;</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="c-3100" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7994">73</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3101" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7995">309</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3102" decimals="-6" name="bbva:AmountOfReconciliation" scale="6" id="f-7996">139</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/></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="c-3103" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7997">4,830</ix:nonFraction></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: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="c-3104" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7998">4,003</ix:nonFraction></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: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="c-3105" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:num-dot-decimal" scale="6" id="f-7999">3,505</ix:nonFraction></span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/></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="c-1" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-8000">4,830</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-22" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-8001">4,003</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-23" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-8002">3,505</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-3106" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="f-8003">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><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="c-3107" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="f-8004">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><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="c-3108" decimals="-6" name="bbva:AmountOfReconciliation" format="ixt:fixed-zero" scale="6" id="f-8005">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/></tr></table></div><ix:footnote id="fn-62" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><ix:footnote id="fn-63" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) 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.</span></div></ix:footnote></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-7932-7" continuedAt="f-7932-8"><ix:continuation id="f-7933-1"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="fn-64" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) Regarding 2024, it shows the net impact of several tax effects that include, among others, (i) the accounting record of the impact associated with the declaration of unconstitutionality of certain measures relating to the Spanish Corporate Income Tax introduced by Royal Decree-Law 3/2016, as well as the impact of some of the measures introduced by Law 7/2024 on Corporate Income Tax that, in particular, are aimed at reinstating the measures declared unconstitutional, (ii) the non-deductibility of the temporary taxation of credit institutions recorded for accounting purposes in the year 2024 (see Note 19.6), and (iii) the effects of the limitation of the exemption on intra-group dividends and the withholding taxes associated with them</ix:footnote>.</span></div></ix:continuation><ix:nonNumeric contextRef="c-1" name="bbva:EffectiveTaxRateTableTextBlock" id="f-8006" 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, 2024, 2023 and 2022 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 style="width:57.297%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.769%"/><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%">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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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:8pt;font-weight:700;line-height:120%">Income from:</span></td><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"/></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="c-3109" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8007">4,810</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="c-3110" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8008">2,601</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="c-3111" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8009">2,206</ix:nonFraction></span></td></tr><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="c-3112" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-8010">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="c-3113" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-8011">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="c-3114" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-8012">462</ix:nonFraction>)</span></td></tr><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="c-3115" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8013">10,636</ix: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="c-3116" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8014">9,812</ix: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="c-3117" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8015">8,524</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="c-1" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8016">15,405</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="c-22" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8017">12,419</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="c-23" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8018">10,268</ix:nonFraction></span></td></tr><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%">Tax expense or income related to profit or loss from continuing operations &#8317;&#178;&#8318;</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="c-1" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-8019">4,830</ix: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="c-22" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-8020">4,003</ix: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="c-23" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-8021">3,505</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="c-1" decimals="3" name="bbva:PercentageEffectiveTaxRate" scale="-2" id="f-8022">31.4</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="c-22" decimals="3" name="bbva:PercentageEffectiveTaxRate" scale="-2" id="f-8023">32.2</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="c-23" decimals="3" name="bbva:PercentageEffectiveTaxRate" scale="-2" id="f-8024">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%">&#160;%</span></td></tr></table></div><ix:footnote id="fn-65" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><ix:footnote id="fn-66" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In 2024, &#8364;3,970 million and &#8364;860 million corresponded to current tax expenses and deferred tax expenses, respectively.</span></div></ix:footnote></ix:nonNumeric><div style="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%">In 2024, in general terms, there have been no changes in the nominal Corporate Income Tax rate in the main countries in which the Group is present compared to those existing in the previous period. In 2023, the changes in the nominal tax rate in Corporate Income Tax, with respect to those existing in the previous year in the main countries in which the Group is present, were Turkey (from 25% to 30%) and Colombia (from 38% to 40%).</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_865"></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><ix:continuation id="f-7932-8" continuedAt="f-7932-9"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Income tax recognized in equity</span></ix:continuation></div><ix:continuation id="f-7932-9" continuedAt="f-7932-10"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regardless of the income tax expense recognized in the consolidated income statements, the Group has recognized income tax charges in the consolidated total equity in 2024, 2023 and 2022 for &#8364;543 million, &#8364;285 million and &#8364;745 million, respectively, mainly due to debt securities, actuarial gains and losses and cash flow hedges. </span></div></ix:continuation><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div id="i22a2e436ff7c462c96898906283f922e_868"></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><ix:continuation id="f-7932-10" continuedAt="f-7932-11"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Tax assets and liabilities</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:TaxAssetsAndLiabilitiesTableTextBlock" id="f-8025" escape="true"><ix:continuation id="f-7932-11" continuedAt="f-7932-12"><div style="margin-bottom:10pt;margin-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 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;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 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%">2024</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%">2023</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#178;&#8318;</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:8pt;font-weight:700;line-height:120%">Tax assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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 &#8317;&#185;&#8318;</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="c-13" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8026">4,295</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="c-20" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8027">2,860</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CurrentTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8028">1,978</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8029">14,354</ix: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="c-20" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8030">14,641</ix: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="c-21" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8031">14,747</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="c-3118" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-8032">534</ix: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="c-3119" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-8033">445</ix: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="c-3120" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-8034">422</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="c-3121" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8035">1,335</ix: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="c-3122" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8036">1,069</ix: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="c-3123" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8037">1,478</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="c-3124" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8038">2,158</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3125" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8039">2,127</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3126" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8040">1,834</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="c-3127" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8041">1,495</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3128" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8042">1,467</ix: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="c-3129" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8043">1,261</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="c-3130" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8044">7,979</ix: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="c-3131" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8045">8,534</ix: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="c-3132" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8046">8,689</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="c-3133" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-8047">853</ix: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="c-3134" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-8048">999</ix: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="c-3135" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8049">1,063</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="c-13" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8050">18,650</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8051">17,501</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="c-21" decimals="-6" name="bbva:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8052">16,725</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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 &#8317;&#185;&#8318;</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="c-13" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="f-8053">575</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="c-20" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="f-8054">878</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="c-21" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8055">1,415</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8056">2,458</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8057">1,677</ix: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="c-21" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8058">1,520</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="c-3121" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="f-8059">915</ix: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="c-3122" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="f-8060">761</ix: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="c-3123" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="f-8061">557</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="c-3127" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8062">1,543</ix: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="c-3128" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="f-8063">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3129" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="f-8064">963</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="c-13" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8065">3,033</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="c-20" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8066">2,554</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="c-21" decimals="-6" name="bbva:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8067">2,935</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-67" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In 2024, the increase in current tax assets corresponds mainly to a higher tax receivable of the tax group in Spain, as well as in Mexico and Colombia, in relation to the Corporate Income Tax for the year 2024 related to the installment payments made in the year. On the other hand, the decrease in current tax liabilities corresponds mainly to the decrease in the tax payable in Mexico and Argentina in relation to the estimated income tax for the year 2023.</span></div></ix:footnote><ix:footnote id="fn-68" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-127</span></div></div></div><hr style="page-break-after:always"/><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="f-7932-12" continuedAt="f-7932-13"><ix:nonNumeric contextRef="c-1" name="bbva:DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" id="f-8068" 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 2024, 2023 and 2022 were derived from the following items:</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 style="width:33.260%"/><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:9.839%"/><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:9.839%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.845%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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%">2022&#8317;&#185;&#8318;</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">Deferred assets</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%">Deferred liabilities</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%">Deferred assets</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%">Deferred liabilities</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%">Deferred assets</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%">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="c-20" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8069">14,641</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="c-20" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8070">1,677</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="c-21" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8071">14,747</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="c-21" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8072">1,520</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="c-173" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8073">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="c-173" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8074">1,769</ix:nonFraction></span></td></tr><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="c-3136" decimals="-6" name="bbva:DeferredTaxPensions" scale="6" id="f-8075">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3137" decimals="-6" name="bbva:DeferredTaxPensions" format="ixt:fixed-zero" scale="6" id="f-8076">&#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="c-3138" decimals="-6" name="bbva:DeferredTaxPensions" scale="6" id="f-8077">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="c-3139" decimals="-6" name="bbva:DeferredTaxPensions" format="ixt:fixed-zero" scale="6" id="f-8078">&#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="c-3140" decimals="-6" name="bbva:DeferredTaxPensions" scale="6" id="f-8079">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="c-3141" decimals="-6" name="bbva:DeferredTaxPensions" format="ixt:fixed-zero" scale="6" id="f-8080">&#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="c-3136" decimals="-6" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="f-8081">266</ix: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="c-3137" decimals="-6" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="f-8082">154</ix: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="c-3138" decimals="-6" sign="-" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="f-8083">409</ix: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="c-3139" decimals="-6" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="f-8084">204</ix: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="c-3140" decimals="-6" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="f-8085">70</ix: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="c-3141" decimals="-6" sign="-" name="bbva:DeferredTaxFinancialsInstruments" scale="6" id="f-8086">567</ix:nonFraction>)</span></td></tr><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="c-3136" decimals="-6" name="bbva:DeferredTaxLossAllowances" scale="6" id="f-8087">31</ix: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="c-3137" decimals="-6" name="bbva:DeferredTaxLossAllowances" format="ixt:fixed-zero" scale="6" id="f-8088">&#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="c-3138" decimals="-6" name="bbva:DeferredTaxLossAllowances" scale="6" id="f-8089">293</ix: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="c-3139" decimals="-6" name="bbva:DeferredTaxLossAllowances" format="ixt:fixed-zero" scale="6" id="f-8090">&#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="c-3140" decimals="-6" name="bbva:DeferredTaxLossAllowances" scale="6" id="f-8091">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="c-3141" decimals="-6" name="bbva:DeferredTaxLossAllowances" format="ixt:fixed-zero" scale="6" id="f-8092">&#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="c-3136" decimals="-6" name="bbva:DeferredTaxOthers" scale="6" id="f-8093">28</ix: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="c-3137" decimals="-6" name="bbva:DeferredTaxOthers" scale="6" id="f-8094">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3138" decimals="-6" name="bbva:DeferredTaxOthers" scale="6" id="f-8095">206</ix: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="c-3139" decimals="-6" sign="-" name="bbva:DeferredTaxOthers" scale="6" id="f-8096">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="c-3140" decimals="-6" name="bbva:DeferredTaxOthers" scale="6" id="f-8097">160</ix: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="c-3141" decimals="-6" name="bbva:DeferredTaxOthers" scale="6" id="f-8098">318</ix:nonFraction></span></td></tr><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%">Secured 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="c-3136" decimals="-6" sign="-" name="bbva:DeferredTaxGuaranteedTaxAssets" scale="6" id="f-8099">555</ix: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="c-3137" decimals="-6" name="bbva:DeferredTaxGuaranteedTaxAssets" format="ixt:fixed-zero" scale="6" id="f-8100">&#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="c-3138" decimals="-6" sign="-" name="bbva:DeferredTaxGuaranteedTaxAssets" scale="6" id="f-8101">155</ix: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="c-3139" decimals="-6" name="bbva:DeferredTaxGuaranteedTaxAssets" format="ixt:fixed-zero" scale="6" id="f-8102">&#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="c-3140" decimals="-6" sign="-" name="bbva:DeferredTaxGuaranteedTaxAssets" scale="6" id="f-8103">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="c-3141" decimals="-6" name="bbva:DeferredTaxGuaranteedTaxAssets" format="ixt:fixed-zero" scale="6" id="f-8104">&#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="c-3136" decimals="-6" sign="-" name="bbva:DeferredTaxTaxLosses" scale="6" id="f-8105">146</ix: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="c-3137" decimals="-6" name="bbva:DeferredTaxTaxLosses" format="ixt:fixed-zero" scale="6" id="f-8106">&#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="c-3138" decimals="-6" sign="-" name="bbva:DeferredTaxTaxLosses" scale="6" id="f-8107">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3139" decimals="-6" name="bbva:DeferredTaxTaxLosses" format="ixt:fixed-zero" scale="6" id="f-8108">&#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="c-3140" decimals="-6" name="bbva:DeferredTaxTaxLosses" scale="6" id="f-8109">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="c-3141" decimals="-6" name="bbva:DeferredTaxTaxLosses" format="ixt:fixed-zero" scale="6" id="f-8110">&#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="c-13" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8111">14,354</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="c-13" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8112">2,458</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="c-20" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8113">14,641</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="c-20" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8114">1,677</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="c-21" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8115">14,747</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="c-21" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8116">1,520</ix:nonFraction></span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"><ix:footnote id="fn-69" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</ix:footnote>.</span></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%">The changes in deferred tax assets and liabilities in 2024 were mainly attributable 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">Secured tax assets decreased as a result of the offsetting of these assets provided for in the estimate of the Spanish tax group's income tax for 2024, as well as due to the effects associated with the declaration of unconstitutionality of certain measures relating to Corporate Income Tax introduced by Royal Decree Law 3/2016 in 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">There was a decrease in tax assets due to tax losses because, in 2024, the tax Group in Spain generated positive taxable income that allowed the offsetting of tax losses and deductions; its balance was also affected, among others, by the effects associated with the declaration of unconstitutionality referred to above.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Changes in the amount of deferred tax assets (other than those guaranteed and those linked to tax losses) net of deferred tax liabilities were mainly due to the effect of exchange rates, especially in the case of Mexico and Turkey, the effects associated with the valuation of financial instruments and the functioning of the Corporate Income Tax in which, due to the differences between accounting and taxation criteria, there are 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 shown 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><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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;230, &#8364;96 and &#8364;88 million, respectively.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:SecuredTaxAssetsTableTextBlock" id="f-8117" 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%">With respect to the deferred tax assets shown above, the table below shows the amounts guaranteed by the Spanish government, broken down by the items that originated the relevant assets:</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 style="width:46.665%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.311%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.311%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.313%"/><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%">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 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%">2024</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%">2023</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></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="c-13" decimals="-6" name="bbva:SecuredPensionsTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8118">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="c-20" decimals="-6" name="bbva:SecuredPensionsTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8119">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="c-21" decimals="-6" name="bbva:SecuredPensionsTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8120">1,622</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: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="c-13" decimals="-6" name="bbva:SecuredLossAllowancesTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8121">6,357</ix: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="c-20" decimals="-6" name="bbva:SecuredLossAllowancesTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8122">6,912</ix: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="c-21" decimals="-6" name="bbva:SecuredLossAllowancesTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8123">7,067</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="c-13" decimals="-6" name="bbva:TotalSecuredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8124">7,979</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="c-20" decimals="-6" name="bbva:TotalSecuredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8125">8,534</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="c-21" decimals="-6" name="bbva:TotalSecuredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8126">8,689</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, 2024, non-guaranteed net deferred tax assets amounted to &#8364;3,918 million (&#8364;4,430 million and &#8364;4,537 million as of December 31, 2023 and 2022, respectively). The breakdown by major geographical areas was 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;1,421 million as of December 31, 2024 (&#8364;1,805 and &#8364;2,424 million as of December 31, 2023 and 2022, respectively). &#8364;685 million of the figure recorded in the year ended December 31, 2024 for net deferred tax assets related to tax credits and tax loss carry forwards and &#8364;736 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;1,798 million as of December 31, 2024 (&#8364;1,899 and &#8364;1,640 million as of December 31, 2023 and 2022, respectively). Practically all of deferred tax assets as of December 31, 2024 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;245 million as of December 31, 2024 (&#8364;213 and &#8364;227 million as of December 31, 2023 and 2022, respectively). Of the figure recorded at year-end 2024 for net deferred tax assets, &#8364;147 million relate to tax credits for tax loss carryforwards and &#8364;98 million have arisen as 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;443 million as of December 31, 2024 (&#8364;499 and &#8364;228 million as of December 31, 2023 and 2022, respectively). All of the deferred tax assets have arisen as temporary differences.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-7932-13" continuedAt="f-7932-14"><div style="margin-bottom:10pt;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, 2024, including historical levels of benefits and projected results available to the Group, 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. In this respect, in the specific case of the tax Group in Spain, the Group estimates that it will be able to generate sufficient taxable income to offset the tax loss carryforwards and deductions recorded for accounting purposes within a period under 10 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%">On the other hand, the Group has not recognized for accounting purposes (or, as the case may be, has been subject to a valuation adjustment) certain deferred tax assets (tax loss carryforwards, deductions and temporary differences) for which, in general, there is no legal period for offsetting, amounting to approximately &#8364;2,507 million (in terms of quota), which mainly arise from the integration of Catalunya Banc in the case of Spain, in accordance with the following breakdown by each of the jurisdictions in which the Group is located and carries on its business activities: (i) Spain: &#8364;2,395,411 thousand; (ii) United States: &#8364;37,829 thousand; (iii) Mexico: &#8364;24,615 thousand; (iv) France: &#8364;12,939 thousand; (v) Portugal: &#8364;11,654 thousand; (vi) Colombia: &#8364;10,718 thousand; (vii) Peru: &#8364;4,289 thousand; (viii) Brazil: &#8364;3,164 thousand; (ix) Japan: &#8364;2,766 thousand; (x) Turkey: &#8364;2,943 thousand; (xi) Netherlands: &#8364;794 thousand; (xii) Singapore: &#8364;171 thousand; and (xiii) China: &#8364;64 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%">In connection with the above, it should be noted that within the framework of the ongoing process of rationalization of the Group's corporate structure which, among other things, may provide for the future dissolution and liquidation of companies, the materialization of the aforementioned deferred tax assets not recognized for accounting purposes may take place in the Group company that is a shareholder of the entity being dissolved and liquidated, as a result of the disclosure of tax losses pending deduction associated with the shareholding of the company which, as the case may be, is dissolved and liquidated.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_871"></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><ix:continuation id="f-7932-14" continuedAt="f-7932-15"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other contributions and taxes</span></ix:continuation></div><ix:continuation id="f-7932-15" continuedAt="f-7932-16"><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:120%">Temporary tax on credit institutions 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%">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 on those credit institutions that operate in Spain whose aggregate interest income and fee and commission income in 2019 was &#8364;800 million or more. </span></div><div style="margin-bottom:10pt;margin-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 non-taxable equity benefit to be paid is 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 make such a payment 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 impact of the payment required to be made by BBVA on account of this benefit in 2024 amounted to &#8364;285 million and was recorded under "Other operating expense" in the consolidated income statement (see Note 42).</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:120%">Tax on net interest income and commissions of certain financial institutions 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On December 21, 2024, Law 7/2024 was published in the Official State Gazette, the ninth Final Provision of which regulates a new tax on the interest margin and commissions of certain financial entities, including Banco Bilbao Vizcaya Argentaria, S.A. The tax is levied on the interest margin and commissions obtained by credit institutions from the activity they carry out in Spain and is applicable to the first three consecutive tax periods that begin on January 1, 2024.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subsequently, Royal Decree-Law 9/2024, which came into force on December 25, 2024, modified certain aspects of the tax approved by Law 7/2024, among other things, the tax period and the accrual of the new tax. However, this Royal Decree-Law has not been validated by the Congress of Deputies so, as of the date of these Consolidated Financial Statements, it is repealed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">No impact associated with this tax has been recorded in the Consolidated Financial Statements for the year ended December 31, 2024. </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%">Complementary tax to ensure a global minimum top up tax for multinational groups and large domestic groups (Pillar Two)</span></div><div style="margin-bottom:10pt;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 20, 2024, Law 7/2024 of December 20, 2024 was approved in Spain, establishing a Complementary Tax to guarantee an overall minimum level of taxation for multinational groups and large domestic groups, a Tax on the net interest income and fee and commission of certain financial institutions and a Tax on liquids for electronic cigarettes and other tobacco-related products, and amending other tax 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%">This law transposes Council Directive (EU) 2022/2523 of December 15, 2022, which incorporates the Pillar Two rules into the European legal 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 aforementioned Law has been approved with effect for tax periods beginning on or after December 31, 2023. Consequently, at the end of the year 2024, the Group is subject to the Pillar Two 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%">In compliance with current legislation, the Group has calculated the estimated impact of the Complementary Tax based on the Transitional Safe Harbor analysis and on the basis of the figures used in the preparation of the Group's consolidated financial statements in each of its constituent jurisdictions.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-7932-16"><div style="margin-bottom:10pt;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 this estimated calculation, it has been determined that most of the jurisdictions in which the Group operates, with the exception of a small number of countries representing an immaterial percentage of the BBVA Group's profit (loss) before tax, exceed the minimum effective tax rate of 15% and, therefore, do not accrue Complementary Tax. For those jurisdictions that do not meet this threshold, BBVA, S.A., as the ultimate parent company of the Group, as of December 31, 2024, has recognized as a current tax expense the corresponding estimated supplementary tax associated with those jurisdictions, the amount of which is very immaterial.</span></div><div style="margin-bottom:10pt;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, it should be noted that the BBVA Group applies the mandatory exception to the recognition and disclosure of deferred tax assets and liabilities in relation to Pillar Two.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_874"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfOtherAssetsAndLiabilitiesTextBlock" id="f-8127" continuedAt="f-8127-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Other assets and liabilities </span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:OtherAssetsAndLiabilitiesTableTextBlock" id="f-8128" continuedAt="f-8128-1" escape="true"><ix:continuation id="f-8127-1" continuedAt="f-8127-2"><div style="margin-bottom:10pt;margin-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 balances of these headings of 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:99.585%"><tr><td style="width:1.0%"/><td style="width:44.649%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.983%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.983%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.985%"/><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%">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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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 colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"/></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"><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%">Inventories &#8317;&#178;&#8318; </span></div></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="c-13" decimals="-6" name="ifrs-full:InventoriesTotal" format="ixt:num-dot-decimal" scale="6" id="f-8129">1,299</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="c-20" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="f-8130">276</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="c-21" decimals="-6" name="ifrs-full:InventoriesTotal" scale="6" id="f-8131">325</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" scale="6" id="f-8132">482</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="c-20" decimals="-6" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" scale="6" id="f-8133">41</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="c-21" decimals="-6" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" scale="6" id="f-8134">93</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="bbva:OtherAssetsAccruals" format="ixt:num-dot-decimal" scale="6" id="f-8135">1,862</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="c-20" decimals="-6" name="bbva:OtherAssetsAccruals" format="ixt:num-dot-decimal" scale="6" id="f-8136">1,368</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="c-21" decimals="-6" name="bbva:OtherAssetsAccruals" format="ixt:num-dot-decimal" scale="6" id="f-8137">1,461</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="bbva:OtherAssetsOtherItems" format="ixt:num-dot-decimal" scale="6" id="f-8138">1,881</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:OtherAssetsOtherItems" format="ixt:num-dot-decimal" scale="6" id="f-8139">1,174</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:OtherAssetsOtherItems" scale="6" id="f-8140">706</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="c-13" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-8141">5,525</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="c-20" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-8142">2,859</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-8143">2,586</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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></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="c-13" decimals="-6" name="bbva:OtherLiabilitiesTransactionsInProgress" scale="6" id="f-8144">306</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="c-20" decimals="-6" name="bbva:OtherLiabilitiesTransactionsInProgress" scale="6" id="f-8145">133</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="c-21" decimals="-6" name="bbva:OtherLiabilitiesTransactionsInProgress" scale="6" id="f-8146">44</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="c-13" decimals="-6" name="bbva:OtherLiabilitiesAccruals" format="ixt:num-dot-decimal" scale="6" id="f-8147">3,066</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="c-20" decimals="-6" name="bbva:OtherLiabilitiesAccruals" format="ixt:num-dot-decimal" scale="6" id="f-8148">2,878</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="c-21" decimals="-6" name="bbva:OtherLiabilitiesAccruals" format="ixt:num-dot-decimal" scale="6" id="f-8149">2,595</ix:nonFraction></span></td></tr><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></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="c-13" decimals="-6" name="bbva:OtherItemsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8150">1,997</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="c-20" decimals="-6" name="bbva:OtherItemsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8151">2,466</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="c-21" decimals="-6" name="bbva:OtherItemsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8152">2,269</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="c-13" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8153">5,370</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="c-20" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8154">5,477</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="c-21" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8155">4,909</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-70" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><ix:footnote id="fn-71" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:continuation id="f-8128-1"><ix:continuation id="f-8127-2">(2) The variation in 2024 corresponds mainly to the acquisition of land plots from the Group's real estate company Crea Madrid Nuevo Norte, S.A. in relation to an urban planning operation in Madrid.</ix:continuation></ix:continuation> </span></div></ix:footnote><div style="margin-bottom:1pt;margin-top:1pt;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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-130</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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%">21.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock" id="f-8156" continuedAt="f-8156-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale </span></ix:nonNumeric></div><ix:continuation id="f-8156-1" continuedAt="f-8156-2"><ix:nonNumeric contextRef="c-1" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" id="f-8157" 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 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 style="width:55.910%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><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%">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 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%">2024</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%">2023</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></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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="c-3142" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8158">847</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="c-3143" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8159">943</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="c-3144" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8160">1,070</ix:nonFraction></span></td></tr><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="c-3145" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8161">618</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3146" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8162">1,026</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3147" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8163">1,063</ix:nonFraction></span></td></tr><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="c-3148" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8164">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="c-3149" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8165">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="c-3150" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8166">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"><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">(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="c-3151" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8167">46</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3152" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8168">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="c-3153" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8169">93</ix:nonFraction>)</span></td></tr><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="c-3154" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8170">645</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3155" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8171">1,005</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3156" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8172">1,057</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="c-13" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8173">828</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="c-20" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8174">923</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="c-21" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8175">1,022</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 colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/></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"> </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="c-3148" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8176">&#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="c-3149" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8177">&#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="c-3150" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8178">&#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%">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="c-13" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8179">&#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="c-20" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8180">&#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="c-21" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8181">&#8212;</ix:nonFraction></span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:footnote id="fn-72" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The variation in 2024 is mainly due to sales of properties by the companies Tree Investments Inmobiliarias, SOCIMI, SA and Banco Bilbao Vizcaya Argentaria, S.A</ix:footnote>. </span></div><ix:footnote id="fn-73" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Corresponds to the accumulated depreciation of assets before their classification as "Non-current assets and disposal groups classified as held for sale".</span></div></ix:footnote></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:120%">Non-current assets and disposal groups classified as held for sale</span></div><ix:nonNumeric contextRef="c-1" name="bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" id="f-8182" 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 changes in the balances of &#8220;Non-current assets and disposal groups classified as held for sale&#8221; in 2024, 2023 and 2022, 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:99.893%"><tr><td style="width:1.0%"/><td style="width:24.785%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.603%"/><td style="width:0.1%"/></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 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></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 colspan="3" style="border-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:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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: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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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: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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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: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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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:700;line-height:120%">2022</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 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="c-3157" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8183">943</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="c-3158" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8184">1,070</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="c-3159" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8185">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="c-3160" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8186">943</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="c-3161" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8187">970</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="c-3162" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8188">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="c-3163" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8189">43</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="c-3164" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8190">39</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="c-3165" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8191">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="c-3166" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8192">1,928</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="c-3167" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8193">2,078</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="c-3168" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8194">1,711</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3169" decimals="-6" name="bbva:Additions" scale="6" id="f-8195">250</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3170" decimals="-6" name="bbva:Additions" scale="6" id="f-8196">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="c-3171" decimals="-6" name="bbva:Additions" scale="6" id="f-8197">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="c-3172" decimals="-6" name="bbva:Additions" scale="6" id="f-8198">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3173" decimals="-6" name="bbva:Additions" scale="6" id="f-8199">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="c-3174" decimals="-6" name="bbva:Additions" scale="6" id="f-8200">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="c-3175" decimals="-6" name="bbva:Additions" scale="6" id="f-8201">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3176" decimals="-6" name="bbva:Additions" format="ixt:fixed-zero" scale="6" id="f-8202">&#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="c-3177" decimals="-6" name="bbva:Additions" scale="6" id="f-8203">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="c-3178" decimals="-6" name="bbva:Additions" scale="6" id="f-8204">283</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3179" decimals="-6" name="bbva:Additions" scale="6" id="f-8205">192</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3180" decimals="-6" name="bbva:Additions" scale="6" id="f-8206">214</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3169" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8207">&#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="c-3170" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8208">&#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="c-3171" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8209">&#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="c-3172" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8210">&#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="c-3173" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8211">&#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="c-3174" decimals="-6" name="bbva:ContributionsFromMergerTransactions" scale="6" id="f-8212">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="c-3175" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8213">&#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="c-3176" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8214">&#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="c-3177" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8215">&#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="c-3178" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8216">&#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="c-3179" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8217">&#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="c-3180" decimals="-6" name="bbva:ContributionsFromMergerTransactions" scale="6" id="f-8218">592</ix:nonFraction></span></td></tr><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%">Retirements (sales and other decreases)</span></td><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-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="c-3169" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8219">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3170" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8220">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3171" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8221">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="c-3172" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8222">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3173" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8223">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3174" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8224">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="c-3175" decimals="-6" name="bbva:RetirementsSalesAndOtherDecreases" format="ixt:fixed-zero" scale="6" id="f-8225">&#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="c-3176" decimals="-6" name="bbva:RetirementsSalesAndOtherDecreases" format="ixt:fixed-zero" scale="6" id="f-8226">&#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="c-3177" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8227">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="c-3178" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8228">784</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3179" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8229">357</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3180" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8230">465</ix:nonFraction>)</span></td></tr><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></div></td><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-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="c-3169" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8231">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3170" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8232">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="c-3171" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8233">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="c-3172" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8234">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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3173" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8235">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3174" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8236">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="c-3175" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8237">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3176" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8238">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3177" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8239">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="c-3178" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8240">46</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3179" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8241">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3180" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8242">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: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 colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3169" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8243">&#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="c-3170" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8244">&#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="c-3171" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8245">&#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="c-3172" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8246">&#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="c-3173" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8247">&#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="c-3174" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8248">&#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="c-3175" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8249">&#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="c-3176" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8250">&#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="c-3177" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8251">&#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="c-3178" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8252">&#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="c-3179" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8253">&#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="c-3180" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8254">&#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: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 colspan="3" style="background-color:#5AC4C4;border-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="c-3181" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8255">847</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="c-3157" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8256">943</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="c-3158" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8257">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="c-3182" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8258">572</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="c-3160" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8259">943</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="c-3161" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8260">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="c-3183" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8261">55</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="c-3163" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8262">43</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="c-3164" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8263">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="c-3184" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8264">1,473</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="c-3166" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8265">1,928</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="c-3167" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8266">2,078</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><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-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-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-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-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-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="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 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"/><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="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 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="c-3185" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8267">299</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="c-3186" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8268">356</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="c-3187" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8269">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="c-3188" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8270">706</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="c-3189" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8271">701</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="c-3190" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8272">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="c-3191" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8273">&#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="c-3192" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8274">&#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="c-3193" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8275">&#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="c-3194" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8276">1,005</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="c-3195" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8277">1,057</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="c-3196" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8278">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: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:2px 1pt;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="border-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="c-3197" decimals="-6" name="bbva:Additions" scale="6" id="f-8279">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="c-3198" decimals="-6" name="bbva:Additions" scale="6" id="f-8280">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="c-3199" decimals="-6" name="bbva:Additions" scale="6" id="f-8281">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="c-3200" decimals="-6" name="bbva:Additions" scale="6" id="f-8282">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="c-3201" decimals="-6" name="bbva:Additions" scale="6" id="f-8283">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="c-3202" decimals="-6" name="bbva:Additions" scale="6" id="f-8284">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3203" decimals="-6" name="bbva:Additions" format="ixt:fixed-zero" scale="6" id="f-8285">&#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="c-3204" decimals="-6" name="bbva:Additions" format="ixt:fixed-zero" scale="6" id="f-8286">&#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="c-3205" decimals="-6" name="bbva:Additions" format="ixt:fixed-zero" scale="6" id="f-8287">&#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="c-3206" decimals="-6" name="bbva:Additions" scale="6" id="f-8288">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3207" decimals="-6" name="bbva:Additions" scale="6" id="f-8289">42</ix: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="c-3208" decimals="-6" name="bbva:Additions" scale="6" id="f-8290">221</ix:nonFraction></span></td></tr><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 transfer to discontinued operations</span></td><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-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="c-3197" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8291">&#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="c-3198" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8292">&#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="c-3199" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8293">&#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="c-3200" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8294">&#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="c-3201" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8295">&#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="c-3202" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8296">&#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="c-3203" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8297">&#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="c-3204" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8298">&#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="c-3205" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8299">&#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="c-3206" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8300">&#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="c-3207" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8301">&#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="c-3208" decimals="-6" name="bbva:AdditionsTransferToDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-8302">&#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%">Contributions from merger transactions</span></td><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-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="c-3197" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8303">&#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="c-3198" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8304">&#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="c-3199" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8305">&#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="c-3200" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8306">&#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="c-3201" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8307">&#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="c-3202" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8308">&#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="c-3203" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8309">&#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="c-3204" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8310">&#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="c-3205" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8311">&#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="c-3206" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8312">&#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="c-3207" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8313">&#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="c-3208" decimals="-6" name="bbva:ContributionsFromMergerTransactions" format="ixt:fixed-zero" scale="6" id="f-8314">&#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%">Retirements (sales and other decreases)</span></td><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-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="c-3197" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8315">91</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3198" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8316">89</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3199" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8317">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="c-3200" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8318">352</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3201" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8319">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:6pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3202" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8320">46</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3203" decimals="-6" name="bbva:RetirementsSalesAndOtherDecreases" format="ixt:fixed-zero" scale="6" id="f-8321">&#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="c-3204" decimals="-6" name="bbva:RetirementsSalesAndOtherDecreases" format="ixt:fixed-zero" scale="6" id="f-8322">&#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="c-3205" decimals="-6" name="bbva:RetirementsSalesAndOtherDecreases" format="ixt:fixed-zero" scale="6" id="f-8323">&#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="c-3206" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8324">443</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3207" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8325">111</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3208" decimals="-6" sign="-" name="bbva:RetirementsSalesAndOtherDecreases" scale="6" id="f-8326">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: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 colspan="3" style="border-left:1pt solid #FFFFFF;border-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="c-3197" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8327">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3198" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8328">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3199" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8329">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="c-3200" decimals="-6" sign="-" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8330">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:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3201" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8331">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="c-3202" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8332">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="c-3203" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" format="ixt:fixed-zero" scale="6" id="f-8333">&#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="c-3204" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" format="ixt:fixed-zero" scale="6" id="f-8334">&#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="c-3205" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" format="ixt:fixed-zero" scale="6" id="f-8335">&#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="c-3206" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" format="ixt:fixed-zero" scale="6" id="f-8336">&#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="c-3207" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8337">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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3208" decimals="-6" name="bbva:TransfersOtherMovementsAndExchageDifferences" scale="6" id="f-8338">333</ix:nonFraction></span></td></tr><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 colspan="3" style="border-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="c-3197" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8339">&#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="c-3198" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8340">&#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="c-3199" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8341">&#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="c-3200" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8342">&#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="c-3201" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8343">&#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="c-3202" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8344">&#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="c-3203" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8345">&#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="c-3204" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8346">&#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="c-3205" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8347">&#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="c-3206" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8348">&#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="c-3207" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8349">&#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="c-3208" decimals="-6" name="bbva:DisposalsByCompaniesHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8350">&#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: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 colspan="3" style="background-color:#5AC4C4;border-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="c-3209" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8351">237</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="c-3185" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8352">299</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="c-3186" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8353">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="c-3210" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8354">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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3188" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8355">706</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="c-3189" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8356">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="c-3211" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8357">&#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="c-3191" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8358">&#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="c-3192" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-8359">&#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="c-3212" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8360">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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3194" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8361">1,005</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="c-3195" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8362">1,057</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 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="c-3213" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8363">610</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="c-3214" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8364">644</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="c-3215" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8365">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="c-3216" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8366">163</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="c-3217" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8367">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:6pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3218" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8368">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="c-3219" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8369">55</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="c-3220" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8370">43</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="c-3221" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8371">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="c-13" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8372">828</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="c-20" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="f-8373">923</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="c-21" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-8374">1,022</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-74" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Net of accumulated amortization until assets were reclassified as &#8220;Non-current assets and disposal groups classified as held for sale&#8221;.</span></div></ix:footnote></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:120%">As indicated in Note 2.2.6, &#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, 2024, 2023 and 2022 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:120%">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:120%">As of December 31, 2024, 2023 and 2022, assets from foreclosures and recoveries, net of impairment losses, by nature of the asset, amounted to &#8364;404 million, &#8364;460 million and &#8364;478 million in assets for residential use; &#8364;169 million, &#8364;154 million and &#8364;199 million in assets for tertiary use (industrial, commercial or office) and &#8364;31 million, &#8364;26 million and &#8364;34 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:120%">As of December 31, 2024, 2023 and 2022, the average sale time of assets from foreclosures or recoveries was between 2 and 3 years.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-8156-2"><div style="margin-bottom: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%">During the years 2024, 2023 and 2022, 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;12 million, &#8364;22 million and &#8364;43 million, respectively; with an average financing of 69% of the sales price during 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:120%">As of December 31, 2024, 2023 and 2022, 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-132</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" id="f-8375" continuedAt="f-8375-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial liabilities at amortized cost</span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_883"></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><ix:continuation id="f-8375-1" continuedAt="f-8375-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:15.99pt">Breakdown of the balance</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:FinancialLiabilitiesAtAmortisedCostTableTextBlock" id="f-8376" escape="true"><ix:continuation id="f-8375-2" continuedAt="f-8375-3"><div style="margin-bottom:10pt;margin-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 style="width:54.986%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.540%"/><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%">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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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="c-13" decimals="-6" name="bbva:TotalDepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8377">496,720</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="c-20" decimals="-6" name="bbva:TotalDepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8378">473,835</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="c-21" decimals="-6" name="bbva:TotalDepositsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8379">459,662</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="c-13" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8380">14,668</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="c-20" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8381">20,309</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="c-21" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8382">38,323</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="c-3222" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" scale="6" id="f-8383">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="c-3223" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" scale="6" id="f-8384">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3224" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" scale="6" id="f-8385">205</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="c-3225" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8386">6,369</ix:nonFraction></span></td><td colspan="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="c-3226" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8387">12,203</ix:nonFraction></span></td><td colspan="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="c-3227" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8388">33,534</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 agreement</span></td><td colspan="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="c-3228" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8389">7,642</ix:nonFraction></span></td><td colspan="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="c-3229" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8390">7,947</ix:nonFraction></span></td><td colspan="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="c-3230" decimals="-6" name="ifrs-full:LiabilitiesDueToCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8391">4,584</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="c-13" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8392">34,406</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="c-20" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8393">40,039</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="c-21" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8394">26,935</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="c-3222" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8395">6,977</ix:nonFraction></span></td><td colspan="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="c-3223" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8396">6,629</ix:nonFraction></span></td><td colspan="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="c-3224" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8397">11,434</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="c-3225" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8398">15,049</ix:nonFraction></span></td><td colspan="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="c-3226" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8399">12,871</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3227" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8400">11,787</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 agreement</span></td><td colspan="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="c-3228" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8401">12,380</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3229" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8402">20,539</ix:nonFraction></span></td><td colspan="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="c-3230" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8403">3,714</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="c-13" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8404">447,646</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8405">413,487</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="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8406">394,404</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="c-3222" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8407">331,780</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3223" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8408">317,543</ix:nonFraction></span></td><td colspan="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="c-3224" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8409">316,082</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="c-3225" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8410">106,658</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="c-3226" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8411">91,740</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="c-3227" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8412">76,063</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 agreement</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="c-3228" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8413">9,208</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="c-3229" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8414">4,204</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="c-3230" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8415">2,259</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 issued</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8416">69,867</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8417">68,707</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8418">55,429</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="c-13" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8419">17,753</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8420">15,046</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8421">14,081</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="c-13" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8422">584,339</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="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8423">557,589</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="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8424">529,172</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-75" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_886"></div><ix:continuation id="f-8375-3" continuedAt="f-8375-4"><div style="margin-bottom:10pt;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, 2024, all drawdowns of the TLTRO III program have been repaid. As of December 31, 2023 and 2022, the amount recorded in "Deposits from central banks - Time deposits and other" included the drawdowns of the TLTRO III facilities of the ECB, mainly by BBVA, S.A., amounting to &#8364;3,660 million and &#8364;26,711 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-133</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_889"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:continuation id="f-8375-4" continuedAt="f-8375-5"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Deposits from credit institutions</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:DepositsFromBanksTableTextBlock" id="f-8425" escape="true"><ix:continuation id="f-8375-5" continuedAt="f-8375-6"><div style="margin-bottom:10pt;margin-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: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 style="width:36.188%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><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:14.310%"/><td style="width:0.1%"/></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 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: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%">Time deposits </span></div><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%">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:right;text-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="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 2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></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="c-3231" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8426">1,039</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="c-3232" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8427">3,116</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="c-3233" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8428">538</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="c-3234" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8429">4,693</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="c-3235" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8430">973</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3236" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8431">981</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3237" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8432">231</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3238" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8433">2,185</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="c-3239" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8434">158</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3240" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8435">2,002</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3241" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8436">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="c-3242" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8437">2,162</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="c-3243" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8438">577</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3244" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8439">2,387</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3245" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8440">&#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="c-3246" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8441">2,963</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="c-3247" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8442">2,942</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3248" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8443">3,313</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="c-3249" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8444">11,578</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3250" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8445">17,832</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="c-3251" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8446">1,289</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="c-3252" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8447">3,250</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3253" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8448">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="c-3254" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8449">4,570</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="c-3255" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8450">6,977</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="c-3256" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8451">15,049</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3257" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8452">12,380</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8453">34,406</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 2023</span></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></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="c-3258" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8454">1,252</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="c-3259" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8455">2,434</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="c-3260" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8456">899</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="c-3261" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8457">4,585</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="c-3262" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8458">789</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3263" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8459">642</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3264" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8460">&#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="c-3265" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8461">1,431</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="c-3266" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8462">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="c-3267" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8463">535</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3268" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8464">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="c-3269" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8465">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%">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="c-3270" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8466">416</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3271" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8467">2,242</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3272" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8468">&#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="c-3273" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8469">2,659</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="c-3274" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8470">3,011</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3275" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8471">2,742</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="c-3276" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8472">19,344</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3277" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8473">25,097</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="c-3278" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8474">1,145</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3279" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8475">4,277</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3280" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8476">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="c-3281" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8477">5,681</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="c-3282" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8478">6,629</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="c-3283" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8479">12,871</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="c-3284" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8480">20,539</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="c-20" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8481">40,039</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 2022</span></td><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/></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="c-3285" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8482">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="c-3286" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8483">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="c-3287" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8484">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="c-3288" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8485">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="c-3289" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8486">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="c-3290" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8487">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="c-3291" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8488">&#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="c-3292" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8489">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="c-3293" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8490">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="c-3294" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8491">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="c-3295" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8492">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="c-3296" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8493">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="c-3297" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" scale="6" id="f-8494">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="c-3298" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8495">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="c-3299" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8496">&#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="c-3300" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8497">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="c-3301" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8498">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="c-3302" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8499">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="c-3303" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8500">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="c-3304" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8501">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="c-3305" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8502">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="c-3306" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8503">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="c-3307" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8504">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="c-3308" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8505">10,645</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="c-3309" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8506">11,434</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="c-3310" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8507">11,787</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="c-3311" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8508">3,714</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="c-21" decimals="-6" name="ifrs-full:DepositsFromBanksAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8509">26,935</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-76" 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%">(1) Subordinated deposits are included amounting to &#8364;48, &#8364;35 and &#8364;24 million as of December 31, 2024, 2023 and 2022, respectively.</span></ix:footnote></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-134</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_892"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:continuation id="f-8375-6" continuedAt="f-8375-7"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Customer deposits</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:CustomerDepositsTableTextBlock" id="f-8510" escape="true"><ix:continuation id="f-8375-7" continuedAt="f-8375-8"><div style="margin-bottom:10pt;margin-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="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:34.801%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.924%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.924%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.924%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.927%"/><td style="width:0.1%"/></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 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: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%">Time deposits </span></div><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%">and other &#8317;&#185;&#8318; &#8317;&#178;&#8318; </span></div></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 2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/></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="c-3312" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8511">186,489</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="c-3313" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8512">22,501</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="c-3314" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8513">6,474</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="c-3315" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8514">215,464</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="c-3316" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8515">70,133</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="c-3317" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8516">14,319</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-8517">987</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3319" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8518">85,439</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="c-3320" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8519">23,228</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="c-3321" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8520">25,388</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-8521">652</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3323" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8522">49,267</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="c-3324" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8523">32,443</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8524">20,232</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="c-3326" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8525">&#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="c-3327" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8526">52,675</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="c-3328" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8527">17,170</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8528">17,613</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="c-3330" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8529">1,095</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3331" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8530">35,878</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="c-3332" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8531">2,318</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3333" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8532">6,605</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3334" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8533">&#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="c-3335" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8534">8,922</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="c-3336" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8535">331,780</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="c-3337" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8536">106,658</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3338" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8537">9,208</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8538">447,646</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 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/></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="c-3339" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8539">179,825</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="c-3340" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8540">17,952</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="c-3341" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-8541">4</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="c-3342" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8542">197,780</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="c-3343" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8543">76,122</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3344" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8544">15,067</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3345" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8545">1,638</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3346" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8546">92,828</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="c-3347" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8547">20,423</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3348" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8548">21,485</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3349" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8549">1,331</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3350" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8550">43,239</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="c-3351" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8551">26,888</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3352" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8552">17,349</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3353" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8553">&#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="c-3354" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8554">44,237</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="c-3355" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8555">12,863</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3356" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8556">16,257</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3357" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8557">1,231</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3358" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8558">30,350</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="c-3359" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8559">1,422</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8560">3,630</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8561">&#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="c-3362" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8562">5,052</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="c-3363" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8563">317,543</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8564">91,740</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="c-3365" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8565">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8566">413,487</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318;</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/></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="c-3366" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8567">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="c-3367" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8568">13,937</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="c-3368" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-8569">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="c-3369" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8570">202,742</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="c-3370" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8571">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="c-3371" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8572">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="c-3372" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-8573">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="c-3373" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8574">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="c-3374" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8575">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="c-3375" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8576">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="c-3376" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-8577">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="c-3377" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8578">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="c-3378" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8579">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="c-3379" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8580">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="c-3380" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8581">&#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="c-3381" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8582">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="c-3382" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8583">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="c-3383" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8584">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="c-3384" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-8585">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="c-3385" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8586">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="c-3386" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8587">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="c-3387" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8588">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="c-3388" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8589">&#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="c-3389" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8590">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="c-3390" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8591">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="c-3391" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8592">76,063</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3392" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8593">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="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8594">394,404</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-77" 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%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></ix:footnote></div><ix:footnote id="fn-78" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Subordinated deposits are included amounting to &#8364;8 million as of December 31, 2024. As of December 31, 2023 and 2022, no subordinated deposits were recorded under this heading.</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_895"></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><ix:continuation id="f-8375-8" continuedAt="f-8375-9"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Debt certificates </span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:DepositsFromDebtCertificatesTableTextBlock" id="f-8595" escape="true"><ix:continuation id="f-8375-9" continuedAt="f-8375-10"><div style="margin-bottom:10pt;margin-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 type of financial instrument 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 style="width:55.910%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/></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 issued (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"/></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 1.18pt 2px 1pt;text-align:right;text-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 1.18pt 2px 1pt;text-align:right;text-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 1.18pt 2px 1pt;text-align:right;text-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: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="c-3393" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8596">37,118</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="c-3394" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8597">44,622</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="c-3395" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8598">35,611</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="c-3396" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8599">1,360</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="c-3397" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8600">5,416</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="c-3398" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8601">1,079</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%">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="c-3399" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8602">17,788</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="c-3400" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8603">16,256</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3401" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8604">16,979</ix:nonFraction></span></td></tr><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"> </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="c-3402" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8605">5,825</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="c-3403" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8606">6,734</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3404" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8607">7,665</ix:nonFraction></span></td></tr><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">(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="c-3405" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8608">519</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3406" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8609">800</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3407" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8610">959</ix:nonFraction></span></td></tr><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="c-3408" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8611">2,201</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3409" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8612">2,168</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3410" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8613">2,501</ix:nonFraction></span></td></tr><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="c-3411" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8614">1,030</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="c-3412" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8615">6,182</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3413" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8616">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: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="c-3414" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8617">8,395</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3415" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8618">7,066</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3416" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8619">6,289</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="c-3417" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8620">2,750</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="c-3418" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8621">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="c-3419" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8622">3,000</ix:nonFraction></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="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="c-3420" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8623">5,645</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="c-3421" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8624">4,066</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="c-3422" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8625">3,289</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="c-3423" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8626">32,748</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="c-3424" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8627">24,086</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="c-3425" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8628">19,819</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="c-3426" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8629">2,962</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="c-3427" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8630">336</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="c-3428" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8631">351</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="c-3429" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8632">12,136</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="c-3430" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8633">8,684</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="c-3431" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8634">9,323</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"> </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="c-3432" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8635">95</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="c-3433" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8636">99</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="c-3434" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8637">114</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">(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="c-3435" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8638">5,327</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="c-3436" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8639">4,722</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="c-3437" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8640">3,724</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="c-3438" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8641">&#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="c-3439" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8642">&#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="c-3440" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-8643">&#8212;</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="c-3441" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8644">1,067</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="c-3442" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8645">1,479</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="c-3443" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" scale="6" id="f-8646">111</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="c-3444" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8647">11,161</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="c-3445" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8648">8,766</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="c-3446" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8649">6,196</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="c-3447" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8650">2,888</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="c-3448" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8651">2,715</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="c-3449" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8652">1,876</ix:nonFraction></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-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="c-3450" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8653">8,273</ix:nonFraction></span></td><td colspan="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="c-3451" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8654">6,051</ix:nonFraction></span></td><td colspan="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="c-3452" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8655">4,320</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="c-13" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8656">69,867</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="c-20" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8657">68,707</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="c-21" decimals="-6" name="ifrs-full:DebtInstrumentsIssuedAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8658">55,429</ix:nonFraction></span></td></tr></table></div></ix:continuation><ix:footnote id="fn-79" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Corresponds to structured note issuances with embedded derivatives that have been segregated according to IFRS 9.</span></div></ix:footnote></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-135</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_898"></div><hr style="page-break-after:always"/><div style="min-height: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%">22.4.1</span><ix:continuation id="f-8375-10" continuedAt="f-8375-11"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Subordinated liabilities</span></ix:continuation></div><ix:continuation id="f-8375-11" continuedAt="f-8375-12"><ix:nonNumeric contextRef="c-1" name="bbva:MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" id="f-8659" 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 style="width:54.369%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.151%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.229%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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%">2022</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 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="c-13" decimals="-6" name="bbva:SubordinatedDeposits" scale="6" id="f-8660">56</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="c-20" decimals="-6" name="bbva:SubordinatedDeposits" scale="6" id="f-8661">35</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="c-21" decimals="-6" name="bbva:SubordinatedDeposits" scale="6" id="f-8662">24</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 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="c-13" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="f-8663">19,556</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="c-20" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="f-8664">15,832</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="f-8665">12,485</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 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="c-13" decimals="-6" name="bbva:CompoundConvertibleFinancialInstruments" format="ixt:num-dot-decimal" scale="6" id="f-8666">5,638</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="c-20" decimals="-6" name="bbva:CompoundConvertibleFinancialInstruments" format="ixt:num-dot-decimal" scale="6" id="f-8667">5,715</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="bbva:CompoundConvertibleFinancialInstruments" format="ixt:num-dot-decimal" scale="6" id="f-8668">4,876</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 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="c-13" decimals="-6" name="bbva:OtherNonConvertibleSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8669">13,918</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="c-20" decimals="-6" name="bbva:OtherNonConvertibleSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8670">10,117</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:OtherNonConvertibleSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8671">7,609</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 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="c-13" decimals="-6" name="ifrs-full:SubordinatedLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8672">19,612</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="c-20" decimals="-6" name="ifrs-full:SubordinatedLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8673">15,867</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="c-21" decimals="-6" name="ifrs-full:SubordinatedLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8674">12,509</ix:nonFraction></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%">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 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 (CoCo), 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.</span></div><div style="margin-bottom:10pt;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 the following contingently convertible issuances that qualify as additional tier 1 capital of the Bank and the Group in accordance with Regulation (EU) 575/2013 throughout the financial years 2023 and 2024:</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 21, 2023, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of &#8364;1 billion. This issuance is listed in the Global Exchange Market of Euronext Dublin and was targeted only at qualified investors, not being offered or sold to any retail clients.</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 September 19, 2023, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of USD 1 billion. This issuance is listed on the New York Stock Exchange and was targeted only at qualified investors, not being offered or sold to any retail clients.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 13, 2024, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of &#8364;750 million. This issuance is listed in the Global Exchange Market of Euronext Dublin and was targeted only at qualified investors, 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%">Additionally, on January 14, 2025, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of USD 1 billion. This issuance is listed on the New York Stock Exchange and was targeted only at qualified investors, 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%">These perpetual securities issued, where appropriate, 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 2022, 2023 and 2024 the Bank has early redeemed the following issues:</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 contingently convertible preferred securities (which qualified as additional tier 1 instruments) issued 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:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 September 24, 2023, the Bank early redeemed the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on September 24, 2018, for an amount of &#8364;1 billion on the First Reset Date and once the prior consent from the Regulator was obtained.</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 March 29, 2024, the Bank early redeemed the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on March 29, 2019, for an amount of &#8364;1 billion on the First Reset Date and once the prior consent from the Regulator was obtained.</span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, on January 28, 2025, the Bank announced its irrevocable decision to redeem in whole on March 5, 2025, the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on September 5, 2019, for an amount of USD 1 billion on the First Reset Date and once the prior consent from the Regulator was obtained. </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-8375-12" continuedAt="f-8375-13"><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%">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 (CoCo) 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, limiting this power to the extent that the nominal amount of the capital increases agreed or executed in order to satisfy conversion of the issues carried out excluding the pre-emptive subscription right by virtue of this power (without prejudice to anti-dilution adjustments) and any agreed or executed in use of the power under the item 4 of the Agenda of the same General Meeting, described in Note 26, excluding the pre-emptive subscription right, do not exceed a maximum aggregated nominal amount of 10% of BBVA's share capital at the time the resolution was adopted.</span></div><div style="margin-bottom:10pt;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 preparation of these Consolidated Financial Statements, the Bank has not made use of the authority granted by the BBVA Annual General Shareholders' Meeting held on March 18, 2022.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_901"></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><ix:continuation id="f-8375-13" continuedAt="f-8375-14"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other financial liabilities</span></ix:continuation></div><ix:continuation id="f-8375-14"><ix:nonNumeric contextRef="c-1" name="bbva:OtherFinancialLiabilitiesTableTextBlock" id="f-8675" 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 style="width:55.910%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/></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 colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;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%">2024</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%">2023</span></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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</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"><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></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="c-3453" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8676">1,467</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="c-3454" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8677">1,507</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="c-3455" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8678">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"><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="c-3456" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8679">4,859</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3457" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8680">3,439</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3458" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8681">3,584</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"><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="c-3459" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8682">3,693</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3460" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8683">3,642</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3461" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8684">3,426</ix:nonFraction></span></td></tr><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></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="c-3462" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8685">7,734</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3463" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8686">6,458</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="c-3464" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8687">5,673</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="c-13" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8688">17,753</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8689">15,046</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8690">14,081</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-80" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="bbva:MaturityOfFuturePaymentObligationsTableTextBlock" id="f-8691" 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, 2024 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 style="width:40.348%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.612%"/><td style="width:0.1%"/></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 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="c-3465" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" scale="6" id="f-8692">175</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="c-3466" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" scale="6" id="f-8693">285</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="c-3467" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" scale="6" id="f-8694">239</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="c-3468" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" scale="6" id="f-8695">768</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="c-13" decimals="-6" name="bbva:MaturityOfFuturePaymentObligationsByLeases" format="ixt:num-dot-decimal" scale="6" id="f-8696">1,467</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_904"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" id="f-8697" continuedAt="f-8697-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Assets and liabilities under insurance and reinsurance contracts</span></ix:nonNumeric></div><ix:continuation id="f-8697-1" continuedAt="f-8697-2"><div style="margin-bottom:10pt;margin-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, Latin America (mostly in Mexico) and Turkey. Specifically, the insurance entities located in Spain and Mexico together accounted for approximately 95% in terms of total liabilities under insurance and reinsurance contracts as of December 31, 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 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">Longevity risk: is the risk of incurring higher benefit payments than expected due to an increase in the life expectancy of the insured persons.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-137</span></div></div></div><hr style="page-break-after:always"/><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="f-8697-2" continuedAt="f-8697-3"><div style="margin-bottom:10pt;margin-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 activity is fully integrated into the BBVA Group's risk management framework. From the definition of the risk appetite to the management limits, the governance model, the admission process, the organizational scheme and the development of computer systems/models, everything is designed with a global approach and under consistent and homogeneous criteria, aligned with other financial business of the BBVA Group. This also means that control activities and information flow are fully integrated into internal processes, from local reporting to the corporate 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%">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 accounting and 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 amounts that the consolidated insurance entities are entitled to receive from reinsurance contracts they maintain with third parties are recognized under the heading &#8220;Assets under reinsurance and insurance contracts&#8221; in the consolidated balance sheets. As of December 31, 2024, 2023 and 2022, the balance under this heading amounted to &#8364;<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:InsuranceContractsThatAreAssets" scale="6" id="f-8698">191</ix:nonFraction> million, &#8364;<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InsuranceContractsThatAreAssets" scale="6" id="f-8699">211</ix:nonFraction> million and &#8364;<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InsuranceContractsThatAreAssets" scale="6" id="f-8700">183</ix:nonFraction> million, respectively.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_907"></div><ix:nonNumeric contextRef="c-1" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" id="f-8701" escape="true"><ix:continuation id="f-8697-3" continuedAt="f-8697-4"><div style="margin-bottom:10pt;margin-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 liabilities recorded under insurance contracts of the consolidated insurance entities in accordance with IFRS 17 (see Note 2.2.8). The breakdown of the balance of this heading as of December 31, 2024, 2023 and 2022 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 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%">Liabilities under insurance and reinsurance contracts (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 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%">2024</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%">2023</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%">2022 &#8317;&#185;&#8318;</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%">Insurances</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" contextRef="c-3469" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8702">10,981</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3470" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8703">12,110</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3471" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8704">10,131</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:700;line-height:120%">Liabilities for remaining coverage</span></td><td colspan="3" style="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%"><ix:nonFraction unitRef="eur" contextRef="c-3472" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8705">9,835</ix:nonFraction></span></td><td colspan="3" style="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%"><ix:nonFraction unitRef="eur" contextRef="c-3473" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8706">10,900</ix:nonFraction></span></td><td colspan="3" style="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%"><ix:nonFraction unitRef="eur" contextRef="c-3474" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8707">9,157</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-weight:400;line-height:120%">Estimates of the present value of cash flows</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="c-3475" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8708">8,462</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="c-3476" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8709">9,516</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="c-3477" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8710">7,905</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-weight:400;line-height:120%">Risk adjustment</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="c-3478" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8711">150</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="c-3479" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8712">171</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="c-3480" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8713">155</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-weight:400;line-height:120%">Cost service margin</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3481" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8714">1,224</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3482" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8715">1,213</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3483" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8716">1,097</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:700;line-height:120%">Liabilities for incurred claims</span></td><td colspan="3" style="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%"><ix:nonFraction unitRef="eur" contextRef="c-3484" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8717">1,146</ix:nonFraction></span></td><td colspan="3" style="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%"><ix:nonFraction unitRef="eur" contextRef="c-3485" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8718">1,210</ix:nonFraction></span></td><td colspan="3" style="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%"><ix:nonFraction unitRef="eur" contextRef="c-3486" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8719">974</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Estimates of the present value of cash flows</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3487" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8720">1,129</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3488" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8721">1,191</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3489" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8722">959</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Risk adjustment</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3490" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8723">17</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3491" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8724">19</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3492" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8725">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%">Reinsurances</span></td><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="c-3493" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:fixed-zero" scale="6" id="f-8726">&#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="c-3494" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:fixed-zero" scale="6" id="f-8727">&#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="c-3495" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:fixed-zero" scale="6" id="f-8728">&#8212;</ix:nonFraction></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="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;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="c-13" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8729">10,981</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="c-20" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8730">12,110</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="c-21" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8731">10,131</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-81" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_910"></div><ix:nonNumeric contextRef="c-1" name="bbva:LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock" id="f-8732" escape="true"><ix:continuation id="f-8697-4" continuedAt="f-8697-5"><div style="margin-bottom:10pt;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 breakdown of &#8220;Liabilities under insurance and reinsurance contracts&#8221; in the consolidated balance sheets by type of product as of December 31, 2024, 2023 and 2022, excluding insurance contracts valued following the Simplified Model, is shown in the table below:</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;text-align:left;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities under insurance and reinsurance contracts by type of product (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 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%">2024</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%">2023</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%">2022 &#8317;&#179;&#8318;</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%">Liabilities for remaining coverage</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" contextRef="c-3496" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8733">9,835</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3497" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8734">10,900</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3498" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8735">9,157</ix:nonFraction></span></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:700;line-height:120%">Life insurance</span></div></td><td colspan="3" style="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%"><ix:nonFraction unitRef="eur" contextRef="c-3499" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8736">9,555</ix:nonFraction></span></td><td colspan="3" style="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%"><ix:nonFraction unitRef="eur" contextRef="c-3500" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8737">10,657</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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3501" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8738">8,962</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%">Individuals life insurance &#8317;&#185;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3502" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8739">7,643</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="c-3503" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8740">8,900</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3504" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8741">7,592</ix:nonFraction></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="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="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%">Group insurance &#8317;&#178;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3505" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8742">1,912</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3506" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8743">1,757</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3507" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8744">1,370</ix:nonFraction></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="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="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%">Non-life insurance</span></td><td colspan="3" 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%"><ix:nonFraction unitRef="eur" contextRef="c-3508" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8745">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:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3509" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8746">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3510" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8747">195</ix:nonFraction></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="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="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 for incurred claims</span></td><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="c-3511" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8748">1,146</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="c-3512" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8749">1,210</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="c-3513" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8750">974</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #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 #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8751">10,981</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8752">12,110</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8753">10,131</ix:nonFraction></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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><ix:footnote id="fn-82" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Provides coverage in the event of death, disability and serious illness.</span></div></ix:footnote><ix:footnote id="fn-83" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The insurance policies purchased by employers (other than BBVA Group) on behalf of their employees.</span></div></ix:footnote><ix:footnote id="fn-84" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-138</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_913"></div><hr style="page-break-after:always"/><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:nonNumeric contextRef="c-1" name="bbva:VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTableTextBlock" id="f-8754" escape="true"><ix:continuation id="f-8697-5" continuedAt="f-8697-6"><div style="margin-bottom:10pt;margin-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 in liabilities under insurance and reinsurance contracts analyzed by liability for the remaining coverage and liability for incurred claims for the years 2024, 2023 and 2022 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 style="width:52.212%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2024 (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" rowspan="2" 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%">Liability for remaining coverage</span></td><td colspan="3" rowspan="2" 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%">Liability for incurred claims </span></td><td colspan="3" rowspan="2" 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 style="height:18pt"><td colspan="3" style="padding:0 1pt"/><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%">Initial balance</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3514" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8755">10,900</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="c-3515" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8756">1,210</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8757">12,110</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%">Result from insurance service</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-3516" decimals="-6" sign="-" name="bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" format="ixt:num-dot-decimal" scale="6" id="f-8758">3,371</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3517" decimals="-6" name="bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" format="ixt:num-dot-decimal" scale="6" id="f-8759">1,862</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" format="ixt:num-dot-decimal" scale="6" id="f-8760">1,509</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-weight:400;line-height:120%">Insurance revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-3516" decimals="-6" sign="-" name="ifrs-full:InsuranceRevenue" format="ixt:num-dot-decimal" scale="6" id="f-8761">3,494</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="c-3517" decimals="-6" name="ifrs-full:InsuranceRevenue" format="ixt:fixed-zero" scale="6" id="f-8762">&#8212;</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="c-1" decimals="-6" sign="-" name="ifrs-full:InsuranceRevenue" format="ixt:num-dot-decimal" scale="6" id="f-8763">3,494</ix:nonFraction>)</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"/></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"/></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"/></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"/></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"/></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"/></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"/></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-weight:400;line-height:120%">Insurance expense</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3516" decimals="-6" name="ifrs-full:InsuranceExpense" scale="6" id="f-8764">124</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3517" decimals="-6" name="ifrs-full:InsuranceExpense" format="ixt:num-dot-decimal" scale="6" id="f-8765">1,862</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InsuranceExpense" format="ixt:num-dot-decimal" scale="6" id="f-8766">1,985</ix:nonFraction></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"/></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"/></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"/></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"/></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:120%">Financial income/ expenses from insurance contracts</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-3516" decimals="-6" sign="-" name="bbva:FinancialIncomeExpenseFromInsuranceContracts" scale="6" id="f-8767">407</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3517" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContracts" scale="6" id="f-8768">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="c-1" decimals="-6" sign="-" name="bbva:FinancialIncomeExpenseFromInsuranceContracts" scale="6" id="f-8769">395</ix:nonFraction>)</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"/></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"/></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</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-3516" decimals="-6" sign="-" name="bbva:ExchangeRateDifferencesFromInsuranceContracts" scale="6" id="f-8770">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="c-3517" decimals="-6" sign="-" name="bbva:ExchangeRateDifferencesFromInsuranceContracts" scale="6" id="f-8771">110</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:ExchangeRateDifferencesFromInsuranceContracts" scale="6" id="f-8772">767</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 flows</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-3516" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8773">3,370</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3517" decimals="-6" sign="-" name="bbva:CashFlowsFromInsuranceAndReinsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8774">1,828</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8775">1,542</ix:nonFraction></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"/></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"/></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"/></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"/></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%">Final balance</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3518" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8776">9,835</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3519" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8777">1,146</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8778">10,981</ix:nonFraction></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"/></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"/></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 style="width:52.212%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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;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%">Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2023 (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" rowspan="2" 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%">Liability for remaining coverage</span></td><td colspan="3" 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%">Liability for incurred claims</span></td><td colspan="3" rowspan="2" 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 style="height:18pt"><td colspan="3" style="padding:0 1pt"/><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%">Initial balance</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3520" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8779">9,157</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3521" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8780">974</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8781">10,131</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%">Result from insurance service</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3522" decimals="-6" sign="-" name="bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" format="ixt:num-dot-decimal" scale="6" id="f-8782">2,822</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3523" decimals="-6" name="bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" format="ixt:num-dot-decimal" scale="6" id="f-8783">1,532</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" format="ixt:num-dot-decimal" scale="6" id="f-8784">1,289</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-weight:400;line-height:120%">Insurance revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-3522" decimals="-6" sign="-" name="ifrs-full:InsuranceRevenue" format="ixt:num-dot-decimal" scale="6" id="f-8785">2,897</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="c-3523" decimals="-6" name="ifrs-full:InsuranceRevenue" format="ixt:fixed-zero" scale="6" id="f-8786">&#8212;</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="c-22" decimals="-6" sign="-" name="ifrs-full:InsuranceRevenue" format="ixt:num-dot-decimal" scale="6" id="f-8787">2,897</ix:nonFraction>)</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"/></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"/></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"/></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"/></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"/></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"/></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"/></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-weight:400;line-height:120%">Insurance expense</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%"><ix:nonFraction unitRef="eur" contextRef="c-3522" decimals="-6" name="ifrs-full:InsuranceExpense" scale="6" id="f-8788">75</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3523" decimals="-6" name="ifrs-full:InsuranceExpense" format="ixt:num-dot-decimal" scale="6" id="f-8789">1,532</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:InsuranceExpense" format="ixt:num-dot-decimal" scale="6" id="f-8790">1,607</ix:nonFraction></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"/></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"/></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"/></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"/></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%">Financial income/ expenses from insurance contracts</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3522" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContracts" scale="6" id="f-8791">563</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3523" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContracts" scale="6" id="f-8792">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="c-22" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContracts" scale="6" id="f-8793">564</ix:nonFraction></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"/></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"/></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"/></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</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3522" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8794">1,008</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3523" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceContracts" scale="6" id="f-8795">59</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8796">1,067</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 flows</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3522" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8797">2,994</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3523" decimals="-6" sign="-" name="bbva:CashFlowsFromInsuranceAndReinsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8798">1,357</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8799">1,637</ix:nonFraction></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"/></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"/></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"/></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"/></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%">Final balance</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3514" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8800">10,900</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="c-3515" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8801">1,210</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8802">12,110</ix:nonFraction></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"/></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"/></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 style="width:52.212%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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;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%">Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2022 (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" rowspan="2" 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%">Liability for remaining coverage</span></td><td colspan="3" 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%">Liability for incurred claims</span></td><td colspan="3" rowspan="2" 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 style="height:18pt"><td colspan="3" style="padding:0 1pt"/><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%">Initial balance</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3524" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8803">8,875</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3525" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8804">1,097</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-173" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8805">9,972</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%">Result from insurance service</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3526" decimals="-6" sign="-" name="bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" format="ixt:num-dot-decimal" scale="6" id="f-8806">2,446</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3527" decimals="-6" name="bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" format="ixt:num-dot-decimal" scale="6" id="f-8807">1,260</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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" format="ixt:num-dot-decimal" scale="6" id="f-8808">1,186</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-weight:400;line-height:120%">Insurance revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="c-3526" decimals="-6" sign="-" name="ifrs-full:InsuranceRevenue" format="ixt:num-dot-decimal" scale="6" id="f-8809">2,575</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="c-3527" decimals="-6" name="ifrs-full:InsuranceRevenue" format="ixt:fixed-zero" scale="6" id="f-8810">&#8212;</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="c-23" decimals="-6" sign="-" name="ifrs-full:InsuranceRevenue" format="ixt:num-dot-decimal" scale="6" id="f-8811">2,575</ix:nonFraction>)</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"/></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"/></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"/></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"/></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"/></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"/></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"/></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-weight:400;line-height:120%">Insurance expense</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3526" decimals="-6" name="ifrs-full:InsuranceExpense" scale="6" id="f-8812">130</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3527" decimals="-6" name="ifrs-full:InsuranceExpense" format="ixt:num-dot-decimal" scale="6" id="f-8813">1,260</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InsuranceExpense" format="ixt:num-dot-decimal" scale="6" id="f-8814">1,390</ix:nonFraction></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"/></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"/></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"/></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"/></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%">Financial income/ expenses from insurance contracts</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3526" decimals="-6" sign="-" name="bbva:FinancialIncomeExpenseFromInsuranceContracts" scale="6" id="f-8815">694</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3527" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContracts" scale="6" id="f-8816">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="c-23" decimals="-6" sign="-" name="bbva:FinancialIncomeExpenseFromInsuranceContracts" scale="6" id="f-8817">692</ix:nonFraction>)</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"/></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"/></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"/></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</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3526" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8818">1,048</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3527" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceContracts" scale="6" id="f-8819">51</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8820">1,099</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 flows</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3526" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8821">2,375</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3527" decimals="-6" sign="-" name="bbva:CashFlowsFromInsuranceAndReinsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-8822">1,437</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContracts" scale="6" id="f-8823">938</ix:nonFraction></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"/></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"/></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"/></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"/></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%">Final balance</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3520" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8824">9,157</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3521" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8825">974</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8826">10,131</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-139</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_916"></div><hr style="page-break-after:always"/><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:nonNumeric contextRef="c-1" name="bbva:VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock" id="f-8827" escape="true"><ix:continuation id="f-8697-6" continuedAt="f-8697-7"><div style="margin-bottom:10pt;margin-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 of liabilities under insurance and reinsurance contracts, distinguishing between their different valuation components, excluding contracts valued under the Simplified Model, for the years 2024, 2023 and 2022 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 style="width:49.747%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.075%"/><td style="width:0.1%"/></tr><tr><td colspan="15" 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%">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2024 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">Estimated present value of future cash flows</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%">Risk adjustment </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%">Contractual service margin &#8317;&#185;&#8318;</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="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%">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3528" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8828">9,738</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="c-3529" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8829">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="c-3530" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8830">1,213</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="c-20" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8831">11,118</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:8pt;font-weight:400;line-height:120%">Insurance service result</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3531" decimals="-6" sign="-" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8832">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3532" decimals="-6" sign="-" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8833">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="c-3533" decimals="-6" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8834">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="c-1" decimals="-6" sign="-" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8835">318</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to current services</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3531" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8836">969</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3532" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8837">29</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3533" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8838">270</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-8839">1,267</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to future services</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3531" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8840">350</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3532" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8841">12</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3533" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8842">314</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8843">24</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to past services</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3531" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8844">974</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3532" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-8845">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3533" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-8846">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8847">974</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:8pt;font-weight:400;line-height:120%">Financial income/ expenses from insurance contracts</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="c-3531" decimals="-6" sign="-" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8848">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3532" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8849">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="c-3533" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8850">49</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8851">406</ix:nonFraction>)</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"/></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"/></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:8pt;font-weight:400;line-height:120%">Exchange rate differences</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="c-3531" decimals="-6" sign="-" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8852">636</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3532" decimals="-6" sign="-" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8853">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="c-3533" decimals="-6" sign="-" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8854">82</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8855">721</ix:nonFraction>)</span></td></tr><tr><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="c-3531" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8856">411</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3532" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:fixed-zero" scale="6" id="f-8857">&#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="c-3533" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:fixed-zero" scale="6" id="f-8858">&#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="c-1" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8859">411</ix:nonFraction></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"/></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"/></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"/></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"/></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%">Final 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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3534" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8860">8,710</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3535" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8861">150</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3536" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8862">1,224</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8863">10,084</ix:nonFraction></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"/></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"/></tr></table><ix:footnote id="fn-85" 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) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></ix:footnote></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 style="width:47.128%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.846%"/><td style="width:0.1%"/></tr><tr><td colspan="15" 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%">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2023 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">Estimated present value of future cash flows</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%">Risk adjustment </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%">Contractual service margin &#8317;&#185;&#8318;</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="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%">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3537" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8864">8,056</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3538" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8865">150</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3539" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8866">1,097</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8867">9,303</ix:nonFraction></span></td></tr><tr><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 service result</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3540" decimals="-6" sign="-" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8868">384</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" name="ifrs-full:InsuranceServiceResult" format="ixt:fixed-zero" scale="6" id="f-8869">&#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="c-3542" decimals="-6" sign="-" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8870">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="c-22" decimals="-6" sign="-" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8871">406</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to current services</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3540" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8872">749</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8873">26</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3542" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8874">185</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8875">960</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to future services</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3540" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8876">189</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8877">26</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3542" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8878">163</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-8879">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to past services</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3540" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8880">554</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-8881">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3542" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-8882">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8883">554</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:8pt;font-weight:400;line-height:120%">Financial income/ expenses from insurance contracts</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="c-3540" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8884">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8885">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="c-3542" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8886">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="c-22" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8887">564</ix:nonFraction></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"/></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"/></tr><tr><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 rate differences</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3540" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8888">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="c-3541" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8889">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3542" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8890">94</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8891">1,035</ix:nonFraction></span></td></tr><tr><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="c-3540" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8892">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:fixed-zero" scale="6" id="f-8893">&#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="c-3542" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:fixed-zero" scale="6" id="f-8894">&#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="c-22" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8895">623</ix:nonFraction></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"/></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"/></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"/></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"/></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%">Final 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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3528" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8896">9,738</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="c-3529" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8897">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="c-3530" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8898">1,213</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="c-20" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8899">11,118</ix:nonFraction></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"/></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"/></tr></table></div><ix:footnote id="fn-86" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></div></ix:footnote><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 style="width:49.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.229%"/><td style="width:0.1%"/></tr><tr><td colspan="15" 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%">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2022 (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">Estimated present value of future cash flows</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%">Risk adjustment </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%">Contractual service margin &#8317;&#185;&#8318;</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="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%">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3543" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8900">7,945</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3544" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8901">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3545" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8902">948</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-173" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8903">9,006</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 service result</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" sign="-" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8904">606</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8905">46</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3548" decimals="-6" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8906">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="c-23" decimals="-6" sign="-" name="ifrs-full:InsuranceServiceResult" scale="6" id="f-8907">511</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to current services</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8908">750</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8909">14</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3548" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8910">144</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8911">908</ix:nonFraction>)</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"/></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"/></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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to future services</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8912">270</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8913">60</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3548" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8914">193</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-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8915">17</ix:nonFraction>)</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"/></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"/></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"/></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"/></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"/></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"/></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"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to past services</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8916">413</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-8917">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3548" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-8918">&#8212;</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-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset" scale="6" id="f-8919">413</ix:nonFraction></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"/></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%">Financial income/ expenses from insurance contracts</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" sign="-" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8920">704</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" sign="-" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8921">20</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3548" decimals="-6" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8922">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="c-23" decimals="-6" sign="-" name="bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" scale="6" id="f-8923">694</ix:nonFraction>)</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"/></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"/></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 rate differences</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8924">1,009</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8925">11</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3548" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8926">72</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8927">1,093</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 flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8928">412</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:fixed-zero" scale="6" id="f-8929">&#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="c-3548" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:fixed-zero" scale="6" id="f-8930">&#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="c-23" decimals="-6" name="bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8931">412</ix:nonFraction></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"/></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"/></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"/></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"/></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%">Final 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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3537" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8932">8,056</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3538" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" scale="6" id="f-8933">150</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3539" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8934">1,097</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" format="ixt:num-dot-decimal" scale="6" id="f-8935">9,303</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-87" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></div></ix:footnote></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-140</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_919"></div><hr style="page-break-after:always"/><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:nonNumeric contextRef="c-1" name="bbva:MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" id="f-8936" escape="true"><ix:continuation id="f-8697-7" continuedAt="f-8697-8"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The maturity of &#8220;Liabilities under insurance and reinsurance contracts&#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:99.893%"><tr><td style="width:1.0%"/><td style="width:31.103%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.459%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.459%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.459%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.459%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.461%"/><td style="width:0.1%"/></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 of the liabilities under 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 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%">2024</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="c-3549" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8937">1,556</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="c-3550" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8938">319</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="c-3551" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8939">720</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="c-3552" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8940">8,387</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="c-13" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8941">10,981</ix:nonFraction></span></td></tr><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%">2023</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3553" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8942">1,356</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3554" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8943">962</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3555" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8944">2,425</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3556" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8945">7,367</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-20" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8946">12,110</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%">2022</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="c-3557" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8947">1,754</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="c-3558" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-8948">663</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="c-3559" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8949">1,664</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="c-3560" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8950">6,050</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="c-21" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8951">10,131</ix:nonFraction></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"/></tr></table></div></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_922"></div><ix:continuation id="f-8697-8"><div style="margin-bottom:10pt;margin-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 and valuation models used to calculate the liabilities under insurance and reinsurance contracts are detailed in Note 2.2.8 of these 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%">In general, in estimating compliance flows valued under the General Model, the Group has used tables based on the companies' own experience to estimate discounted future cash flows for all units of account, except for those cases in which the entity has not had sufficient historical data for the construction of the assumptions, so in such cases, regulatory tables have been used.</span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div id="i22a2e436ff7c462c96898906283f922e_925"></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><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfProvisionsExplanatory" id="f-8952" continuedAt="f-8952-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Provisions</span></ix:nonNumeric></div><ix:continuation id="f-8952-1" continuedAt="f-8952-2"><ix:nonNumeric contextRef="c-1" name="bbva:ProvisionsBreakdownByConceptsTableTextBlock" id="f-8953" 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, based on type of provisions, 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 style="width:56.681%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><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="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 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%">2024</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%">2023</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%">2022</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%">Provisions for pensions and similar obligations</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;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="c-13" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="f-8954">2,348</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="c-20" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="f-8955">2,571</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="c-21" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="f-8956">2,632</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"><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 &#8317;&#185;&#8318;</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="c-13" decimals="-6" name="ifrs-full:OtherLongtermProvisions" scale="6" id="f-8957">384</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherLongtermProvisions" scale="6" id="f-8958">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="c-21" decimals="-6" name="ifrs-full:OtherLongtermProvisions" scale="6" id="f-8959">466</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="f-8960">791</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="f-8961">696</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LegalProceedingsProvision" scale="6" id="f-8962">685</ix:nonFraction></span></td></tr><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:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.6</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="c-13" decimals="-6" name="bbva:ProvisionsForCommitmentsAndContingentRisks" scale="6" id="f-8963">667</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ProvisionsForCommitmentsAndContingentRisks" scale="6" id="f-8964">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="c-21" decimals="-6" name="bbva:ProvisionsForCommitmentsAndContingentRisks" scale="6" id="f-8965">770</ix:nonFraction></span></td></tr><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 &#8317;&#178;&#8318;</span></div></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-8966">429</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-8967">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-8968">380</ix:nonFraction></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"/></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"/></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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 #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-8969">4,619</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-8970">4,924</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-8971">4,933</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-88" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) It included commitments undertaken under the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A. in 2021.</span></div></ix:footnote><ix:footnote id="fn-89" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Individually non-significant provisions, for various concepts and corresponding to different geographical areas.</span></div></ix:footnote></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" id="f-8972" 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, 2024, 2023 and 2022 is as follows:</span></div><div><span><br/></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 style="width:56.218%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></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 for pensions and 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 colspan="3" 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%">2024</span></td><td colspan="3" 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%">2023</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; </span></div></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ProvisonForPensionsAndOtherPostEmploymentObligations" format="ixt:num-dot-decimal" scale="6" id="f-8973">3,006</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ProvisonForPensionsAndOtherPostEmploymentObligations" format="ixt:num-dot-decimal" scale="6" id="f-8974">3,098</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-173" decimals="-6" name="bbva:ProvisonForPensionsAndOtherPostEmploymentObligations" format="ixt:num-dot-decimal" scale="6" id="f-8975">4,208</ix:nonFraction></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"/></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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" scale="6" id="f-8976">197</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" scale="6" id="f-8977">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" scale="6" id="f-8978">25</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%">Interest expense and similar charges</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%">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:InteresetExpenseAndSimilarChargesForPensions" scale="6" id="f-8979">138</ix:nonFraction></span></td><td colspan="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="c-22" decimals="-6" name="bbva:InteresetExpenseAndSimilarChargesForPensions" scale="6" id="f-8980">133</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" name="bbva:InteresetExpenseAndSimilarChargesForPensions" scale="6" id="f-8981">75</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%">Personnel expense</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-8982">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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-8983">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="c-23" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-8984">42</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%">Provision expense</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:ProvisionsExpensesForPensions" scale="6" id="f-8985">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="c-22" decimals="-6" name="bbva:ProvisionsExpensesForPensions" scale="6" id="f-8986">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:ProvisionsExpensesForPensions" scale="6" id="f-8987">92</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%">Charges (credits) to equity &#8317;&#178;&#8318;</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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfReimbursementRights" scale="6" id="f-8988">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfReimbursementRights" scale="6" id="f-8989">314</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="ifrs-full:GainLossOnRemeasurementOfReimbursementRights" scale="6" id="f-8990">433</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%">Transfers and other changes</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:TransfersAndOtherChangesForPensions" scale="6" id="f-8991">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="c-22" decimals="-6" sign="-" name="bbva:TransfersAndOtherChangesForPensions" scale="6" id="f-8992">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="c-23" decimals="-6" name="bbva:TransfersAndOtherChangesForPensions" scale="6" id="f-8993">36</ix:nonFraction></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"/></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:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:BenefitPaymentsForPensions" scale="6" id="f-8994">410</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:BenefitPaymentsForPensions" scale="6" id="f-8995">474</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="bbva:BenefitPaymentsForPensions" scale="6" id="f-8996">616</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:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:EmployerContributions" scale="6" id="f-8997">143</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:EmployerContributions" scale="6" id="f-8998">106</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" name="ifrs-full:EmployerContributions" scale="6" id="f-8999">120</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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 #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ProvisonForPensionsAndOtherPostEmploymentObligations" format="ixt:num-dot-decimal" scale="6" id="f-9000">2,732</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ProvisonForPensionsAndOtherPostEmploymentObligations" format="ixt:num-dot-decimal" scale="6" id="f-9001">3,006</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ProvisonForPensionsAndOtherPostEmploymentObligations" format="ixt:num-dot-decimal" scale="6" id="f-9002">3,098</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-90" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><ix:footnote id="fn-91" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Correspond to actuarial losses (gains) arising from certain post-employment defined-benefit commitments for pensions recognized in &#8220;Equity&#8221; (see Note 2.2.13).</span></div></ix:footnote></ix:nonNumeric><div style="margin-bottom:2pt;margin-top:2pt"><span><br/></span></div><div style="text-indent:3.82pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="bbva:ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" id="f-9003" 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 style="width:55.756%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.232%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.307%"/><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%">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 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%">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%">2022</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="c-20" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9004">1,148</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="c-21" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9005">1,065</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="c-173" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9006">990</ix:nonFraction></span></td></tr><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></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="c-1" decimals="-6" name="bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9007">370</ix: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="c-22" decimals="-6" name="bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9008">651</ix: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="c-23" decimals="-6" name="bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9009">417</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:fixed-zero" scale="6" id="f-9010">&#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="c-22" decimals="-6" name="bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:fixed-zero" scale="6" id="f-9011">&#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="c-23" decimals="-6" name="bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:fixed-zero" scale="6" id="f-9012">&#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="c-1" decimals="-6" sign="-" name="bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9013">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9014">385</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="c-23" decimals="-6" sign="-" name="bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9015">130</ix:nonFraction>)</span></td></tr><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></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="c-1" decimals="-6" sign="-" name="bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9016">206</ix: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="c-22" decimals="-6" sign="-" name="bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9017">183</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="c-23" decimals="-6" sign="-" name="bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" scale="6" id="f-9018">211</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="c-13" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9019">1,220</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="c-20" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9020">1,148</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="c-21" decimals="-6" name="bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9021">1,065</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-141</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_928"></div><hr style="page-break-after:always"/><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="f-8952-2"><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, 2024, 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 the resolution of such proceedings will not have, individually, a significant adverse effect on the Group's business, financial situation or results of operations.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_931"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" id="f-9022" continuedAt="f-9022-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Post-employment and other employee benefit commitments</span></ix:nonNumeric></div><ix:continuation id="f-9022-1" continuedAt="f-9022-2"><div style="margin-bottom:10pt;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 2.2.13, 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 in active service and retirement.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" id="f-9023" 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, 2024, 2023 and 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 style="width:52.983%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.303%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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%">2022</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 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="c-13" decimals="-6" name="bbva:PensionCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9024">3,759</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="c-20" decimals="-6" name="bbva:PensionCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9025">3,849</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="c-21" decimals="-6" name="bbva:PensionCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9026">3,661</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:EarlyRetirementCommitments" scale="6" id="f-9027">271</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:EarlyRetirementCommitments" scale="6" id="f-9028">412</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="bbva:EarlyRetirementCommitments" scale="6" id="f-9029">606</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9030">1,269</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9031">1,728</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9032">1,448</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:OtherLongtermProvisions" scale="6" id="f-9033">384</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherLongtermProvisions" scale="6" id="f-9034">435</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="ifrs-full:OtherLongtermProvisions" scale="6" id="f-9035">466</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 colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-9036">5,683</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="c-20" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-9037">6,424</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="c-21" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-9038">6,181</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:PensionPlanAssets" format="ixt:num-dot-decimal" scale="6" id="f-9039">1,584</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:PensionPlanAssets" format="ixt:num-dot-decimal" scale="6" id="f-9040">1,675</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="bbva:PensionPlanAssets" format="ixt:num-dot-decimal" scale="6" id="f-9041">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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:MedicalBenefitPlanAssets" format="ixt:num-dot-decimal" scale="6" id="f-9042">1,367</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="c-20" decimals="-6" name="bbva:MedicalBenefitPlanAssets" format="ixt:num-dot-decimal" scale="6" id="f-9043">1,744</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="bbva:MedicalBenefitPlanAssets" format="ixt:num-dot-decimal" scale="6" id="f-9044">1,476</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 colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-9045">2,951</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="c-20" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-9046">3,419</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="c-21" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-9047">3,084</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"/><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-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="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 colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:TotalNetDefinedBenefitLiabilityAssets" format="ixt:num-dot-decimal" scale="6" id="f-9048">2,732</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="c-20" decimals="-6" name="bbva:TotalNetDefinedBenefitLiabilityAssets" format="ixt:num-dot-decimal" scale="6" id="f-9049">3,006</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="c-21" decimals="-6" name="bbva:TotalNetDefinedBenefitLiabilityAssets" format="ixt:num-dot-decimal" scale="6" id="f-9050">3,097</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:6pt"><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 colspan="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="c-13" decimals="-6" name="bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" format="ixt:fixed-zero" scale="6" id="f-9051">&#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="c-20" decimals="-6" name="bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" format="ixt:fixed-zero" scale="6" id="f-9052">&#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="c-21" decimals="-6" sign="-" name="bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" scale="6" id="f-9053">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;padding-left:6pt"><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-style:italic;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="c-13" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="f-9054">2,348</ix:nonFraction></span></td><td colspan="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="c-20" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="f-9055">2,571</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="6" id="f-9056">2,632</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:#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></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-style:italic;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="c-13" decimals="-6" name="bbva:OtherLongTermEmployeesBenefits" scale="6" id="f-9057">384</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="c-20" decimals="-6" name="bbva:OtherLongTermEmployeesBenefits" scale="6" id="f-9058">435</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="c-21" decimals="-6" name="bbva:OtherLongTermEmployeesBenefits" scale="6" id="f-9059">466</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-92" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In Turkey, the foundation responsible for managing the benefit commitments holds an additional asset of &#8364;123 million as of December 31, 2024 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. As of December 31, 2023 and 2022, this amount amounted to &#8364;153 and &#8364;188 million respectively.</span></div></ix:footnote><ix:footnote id="fn-93" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Recorded under the heading &#8220;Other Assets - Other&#8221; of the consolidated balance sheet (see Note 20).</span></div></ix:footnote><ix:footnote id="fn-94" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) Recorded under the heading &#8220;Provisions - Provisions for pensions and similar obligations&#8221; of the consolidated balance sheet.</span></div></ix:footnote></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:ConsolidatedIncomeStatementImpactTableTextBlock" id="f-9060" continuedAt="f-9060-1" 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 on the consolidated income statement for the years 2024, 2023 and 2022 is as follows:</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-9022-2" continuedAt="f-9022-3"><ix:continuation id="f-9060-1"><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 style="width:50.055%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.304%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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 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="c-1" decimals="-6" name="bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="f-9061">138</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="c-22" decimals="-6" name="bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="f-9062">133</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="c-23" decimals="-6" name="bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="f-9063">75</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 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="c-1" decimals="-6" name="bbva:InterestExpensesBenefitCommitments" scale="6" id="f-9064">494</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="c-22" decimals="-6" name="bbva:InterestExpensesBenefitCommitments" scale="6" id="f-9065">444</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="c-23" decimals="-6" name="bbva:InterestExpensesBenefitCommitments" scale="6" id="f-9066">342</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:InterestIncomeBenefitCommitments" scale="6" id="f-9067">356</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:InterestIncomeBenefitCommitments" scale="6" id="f-9068">311</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="bbva:InterestIncomeBenefitCommitments" scale="6" id="f-9069">267</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 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="c-1" decimals="-6" name="bbva:PersonnelExpenseConsolidatedIncomeStatementImpact" scale="6" id="f-9070">215</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="c-22" decimals="-6" name="bbva:PersonnelExpenseConsolidatedIncomeStatementImpact" scale="6" id="f-9071">188</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="c-23" decimals="-6" name="bbva:PersonnelExpenseConsolidatedIncomeStatementImpact" scale="6" id="f-9072">130</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="c-1" decimals="-6" name="bbva:DefinedContributionPlanExpense" scale="6" id="f-9073">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="c-22" decimals="-6" name="bbva:DefinedContributionPlanExpense" scale="6" id="f-9074">139</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="c-23" decimals="-6" name="bbva:DefinedContributionPlanExpense" scale="6" id="f-9075">87</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="bbva:DefinedBenefitPlansExpense" scale="6" id="f-9076">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="c-22" decimals="-6" name="bbva:DefinedBenefitPlansExpense" scale="6" id="f-9077">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="c-23" decimals="-6" name="bbva:DefinedBenefitPlansExpense" scale="6" id="f-9078">42</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 expense</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:OtherPersonnelExpenseConsolidatedIncomeStatementImpact" scale="6" id="f-9079">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OtherPersonnelExpenseConsolidatedIncomeStatementImpact" format="ixt:fixed-zero" scale="6" id="f-9080">&#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="c-23" decimals="-6" name="bbva:OtherPersonnelExpenseConsolidatedIncomeStatementImpact" format="ixt:fixed-zero" scale="6" id="f-9081">&#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%">Provisions or (reversal) of provisions</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%">46</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="c-1" decimals="-6" name="bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="f-9082">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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="f-9083">31</ix: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="c-23" decimals="-6" sign="-" name="bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" scale="6" id="f-9084">89</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 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="c-1" decimals="-6" name="bbva:EarlyRetirementExpense" format="ixt:fixed-zero" scale="6" id="f-9085">&#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="c-22" decimals="-6" name="bbva:EarlyRetirementExpense" format="ixt:fixed-zero" scale="6" id="f-9086">&#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="c-23" decimals="-6" name="bbva:EarlyRetirementExpense" format="ixt:fixed-zero" scale="6" id="f-9087">&#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%">Past service cost expense</span></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:PastServiceCostExpenseOnIncomeStatement" scale="6" id="f-9088">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="c-22" decimals="-6" name="bbva:PastServiceCostExpenseOnIncomeStatement" scale="6" id="f-9089">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:PastServiceCostExpenseOnIncomeStatement" scale="6" id="f-9090">34</ix:nonFraction></span></td></tr><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 &#8317;&#178;&#8318;</span></div></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:RemeasurementsOnIncomeStatement" scale="6" id="f-9091">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="c-22" decimals="-6" sign="-" name="bbva:RemeasurementsOnIncomeStatement" scale="6" id="f-9092">7</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="bbva:RemeasurementsOnIncomeStatement" scale="6" id="f-9093">126</ix:nonFraction>)</span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:OtherProvisionExpenseImpactOnIncomeStatement" scale="6" id="f-9094">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="c-22" decimals="-6" name="bbva:OtherProvisionExpenseImpactOnIncomeStatement" scale="6" id="f-9095">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="c-23" decimals="-6" name="bbva:OtherProvisionExpenseImpactOnIncomeStatement" scale="6" id="f-9096">3</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="c-1" decimals="-6" name="bbva:TotalConsolidatedIncomeStatementImpact" scale="6" id="f-9097">355</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="c-22" decimals="-6" name="bbva:TotalConsolidatedIncomeStatementImpact" scale="6" id="f-9098">352</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="c-23" decimals="-6" name="bbva:TotalConsolidatedIncomeStatementImpact" scale="6" id="f-9099">116</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-95" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><ix:footnote id="fn-96" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) 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 2.2.13).</span></div></ix:footnote></ix:continuation><ix:nonNumeric contextRef="c-1" name="bbva:EquityImpactTableTextBlock" id="f-9100" 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, 2024, 2023 and 2022 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 style="width:63.769%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.611%"/><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%">Equity impact (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;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%">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%">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%">2022</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%">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="c-3561" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9101">218</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="c-3562" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9102">302</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="c-3563" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9103">363</ix:nonFraction>)</span></td></tr><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="c-3564" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9104">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3565" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9105">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="c-3566" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9106">71</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 impact on equity: debit (credit)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9107">132</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9108">314</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9109">433</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 2024, the aggregate impact of this heading amounted to a debit of &#8364;<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:TotalImpactOnEquityDebitCredit" scale="6" id="f-9110">132</ix:nonFraction> million driven by the variation in the main long-term remuneration commitments in Mexico (debit of &#8364;55 million, mainly due to the variation of financial assumptions and expected profitability of plan assets), Turkey (debit of &#8364;32 million euros due to the variation of financial assumptions, expected profitability of plan assets and experience), Spain (debit of &#8364;28 million, essentially due to the variation in financial assumptions) and Portugal (debit of &#8364;16 million due to the expected profitability of the plan assets and experience).</span></div><div style="margin-bottom:10pt;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 2023, the aggregate impact of this heading amounted to a debit of &#8364;314 million driven by the variation in financial assumptions, losses of &#8364;71 million from commitments in Spain, and losses of &#8364;170 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><div style="margin-bottom:10pt;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;433 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 id="i22a2e436ff7c462c96898906283f922e_934"></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><ix:continuation id="f-9022-3" continuedAt="f-9022-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Defined benefit plans</span></ix:continuation></div><div id="i22a2e436ff7c462c96898906283f922e_937"></div><ix:nonNumeric contextRef="c-1" name="bbva:DefinedBenefitsTableTextBlock" id="f-9111" continuedAt="f-9111-1" escape="true"><ix:continuation id="f-9022-4" continuedAt="f-9022-5"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 is presented below:</span></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-9111-1"><ix:continuation id="f-9022-5" continuedAt="f-9022-6"><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 style="width:21.704%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.688%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;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: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="c-3567" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9112">5,989</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="c-3568" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9113">3,419</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="c-3569" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9114">2,571</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="c-3570" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9115">5,715</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="c-3571" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9116">3,084</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="c-3572" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9117">2,632</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="c-3573" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9118">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="c-3574" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9119">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="c-3575" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9120">3,560</ix:nonFraction></span></td></tr><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="c-3576" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="f-9121">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3577" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" format="ixt:fixed-zero" scale="6" id="f-9122">&#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="c-3578" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="f-9123">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3579" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="f-9124">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="c-3580" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" format="ixt:fixed-zero" scale="6" id="f-9125">&#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="c-3581" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="f-9126">52</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3582" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="f-9127">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" format="ixt:fixed-zero" scale="6" id="f-9128">&#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="c-3584" decimals="-6" name="ifrs-full:CurrentServiceCostDefinedBenefitPlans" scale="6" id="f-9129">45</ix:nonFraction></span></td></tr><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" contextRef="c-3576" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-9130">472</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3577" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-9131">356</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3578" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-9132">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3579" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-9133">425</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-9134">311</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-9135">114</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3582" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-9136">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-9137">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="c-3584" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-9138">65</ix:nonFraction></span></td></tr><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="c-3576" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9139">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="c-3577" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9140">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="c-3578" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9141">&#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="c-3579" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9142">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="c-3580" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9143">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="c-3581" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9144">&#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="c-3582" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9145">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9146">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="c-3584" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9147">&#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="c-3576" decimals="-6" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9148">&#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="c-3577" decimals="-6" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="f-9149">143</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3578" decimals="-6" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="f-9150">143</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3579" decimals="-6" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9151">&#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="c-3580" decimals="-6" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="f-9152">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="c-3581" decimals="-6" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="f-9153">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="c-3582" decimals="-6" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9154">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="f-9155">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3584" decimals="-6" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="f-9156">67</ix:nonFraction>)</span></td></tr><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%">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="c-3576" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-9157">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="c-3577" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9158">&#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="c-3578" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-9159">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="c-3579" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-9160">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9161">&#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="c-3581" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-9162">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3582" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-9163">34</ix: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="c-3583" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9164">&#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="c-3584" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-9165">34</ix:nonFraction></span></td></tr><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="c-3576" decimals="-6" sign="-" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-9166">202</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3577" decimals="-6" sign="-" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-9167">330</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3578" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-9168">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="c-3579" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-9169">375</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-9170">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="c-3581" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-9171">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="c-3582" decimals="-6" sign="-" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-9172">741</ix: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="c-3583" decimals="-6" sign="-" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-9173">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3584" decimals="-6" sign="-" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-9174">501</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"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;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="c-3576" decimals="-6" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9175">&#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="c-3577" decimals="-6" sign="-" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9176">330</ix:nonFraction>)</span></td><td colspan="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="c-3578" decimals="-6" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9177">330</ix:nonFraction></span></td><td colspan="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="c-3579" decimals="-6" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9178">&#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="c-3580" decimals="-6" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9179">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" sign="-" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9180">68</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="c-3582" decimals="-6" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9181">&#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:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" sign="-" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9182">240</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="c-3584" decimals="-6" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9183">240</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="c-3576" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9184">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="c-3577" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9185">&#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="c-3578" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9186">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="c-3579" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9187">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9188">&#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="c-3581" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9189">86</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="c-3582" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9190">29</ix: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="c-3583" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9191">&#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="c-3584" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9192">29</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="c-3576" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9193">362</ix:nonFraction>)</span></td><td colspan="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="c-3577" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9194">&#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="c-3578" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9195">362</ix:nonFraction>)</span></td><td colspan="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="c-3579" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9196">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9197">&#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="c-3581" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9198">248</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="c-3582" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9199">812</ix: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="c-3583" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9200">&#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="c-3584" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9201">812</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 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="c-3576" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9202">158</ix:nonFraction></span></td><td colspan="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="c-3577" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9203">&#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="c-3578" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9204">158</ix:nonFraction></span></td><td colspan="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="c-3579" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9205">212</ix:nonFraction></span></td><td colspan="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="c-3580" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9206">&#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="c-3581" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9207">212</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="c-3582" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9208">100</ix: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="c-3583" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9209">&#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="c-3584" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9210">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"><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="c-3576" decimals="-6" sign="-" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9211">564</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3577" decimals="-6" sign="-" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9212">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="c-3578" decimals="-6" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9213">334</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3579" decimals="-6" sign="-" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9214">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" sign="-" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9215">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9216">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="c-3582" decimals="-6" sign="-" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9217">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" sign="-" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9218">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="c-3584" decimals="-6" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-9219">492</ix:nonFraction>)</span></td></tr><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" contextRef="c-3576" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9220">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="c-3577" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9221">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="c-3578" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9222">&#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="c-3579" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9223">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9224">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="c-3581" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9225">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="c-3582" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9226">4</ix: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="c-3583" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9227">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="c-3584" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9228">&#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%">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3576" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9229">&#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="c-3577" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9230">&#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="c-3578" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9231">&#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="c-3579" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9232">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="c-3580" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9233">&#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="c-3581" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" scale="6" id="f-9234">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="c-3582" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9235">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9236">&#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="c-3584" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9237">&#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="c-3576" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9238">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3577" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9239">416</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3578" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9240">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3579" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9241">124</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9242">153</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9243">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3582" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9244">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9245">180</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3584" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9246">20</ix:nonFraction>)</span></td></tr><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="c-3576" decimals="-6" name="bbva:ConversionsToDefinedContributions" format="ixt:fixed-zero" scale="6" id="f-9247">&#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="c-3577" decimals="-6" name="bbva:ConversionsToDefinedContributions" format="ixt:fixed-zero" scale="6" id="f-9248">&#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="c-3578" decimals="-6" name="bbva:ConversionsToDefinedContributions" format="ixt:fixed-zero" scale="6" id="f-9249">&#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="c-3579" decimals="-6" name="bbva:ConversionsToDefinedContributions" format="ixt:fixed-zero" scale="6" id="f-9250">&#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="c-3580" decimals="-6" name="bbva:ConversionsToDefinedContributions" format="ixt:fixed-zero" scale="6" id="f-9251">&#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="c-3581" decimals="-6" name="bbva:ConversionsToDefinedContributions" format="ixt:fixed-zero" scale="6" id="f-9252">&#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="c-3582" decimals="-6" name="bbva:ConversionsToDefinedContributions" format="ixt:fixed-zero" scale="6" id="f-9253">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="bbva:ConversionsToDefinedContributions" format="ixt:fixed-zero" scale="6" id="f-9254">&#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="c-3584" decimals="-6" name="bbva:ConversionsToDefinedContributions" format="ixt:fixed-zero" scale="6" id="f-9255">&#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%">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="c-3576" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9256">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="c-3577" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9257">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="c-3578" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9258">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="c-3579" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9259">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="c-3580" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9260">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="c-3581" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9261">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="c-3582" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9262">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-9263">&#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="c-3584" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" scale="6" id="f-9264">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: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="c-3585" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9265">5,299</ix:nonFraction></span></td><td colspan="3" 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="c-3586" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9266">2,951</ix:nonFraction></span></td><td colspan="3" 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="c-3587" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9267">2,348</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="c-3567" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9268">5,989</ix:nonFraction></span></td><td colspan="3" 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="c-3568" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9269">3,419</ix:nonFraction></span></td><td colspan="3" 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="c-3569" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9270">2,571</ix:nonFraction></span></td><td colspan="3" 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="c-3570" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9271">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="c-3571" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9272">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="c-3572" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9273">2,632</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="c-3588" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9274">2,078</ix:nonFraction></span></td><td colspan="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="c-3589" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9275">114</ix:nonFraction></span></td><td colspan="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="c-3590" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9276">1,964</ix:nonFraction></span></td><td colspan="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="c-3591" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9277">2,310</ix:nonFraction></span></td><td colspan="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="c-3592" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9278">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3593" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9279">2,181</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="c-3594" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9280">2,546</ix: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="c-3595" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9281">147</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="c-3596" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9282">2,399</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="c-3597" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9283">2,385</ix:nonFraction></span></td><td colspan="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="c-3598" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9284">2,114</ix:nonFraction></span></td><td colspan="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="c-3599" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9285">271</ix:nonFraction></span></td><td colspan="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="c-3600" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9286">2,988</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3601" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9287">2,702</ix:nonFraction></span></td><td colspan="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="c-3602" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9288">286</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="c-3603" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9289">2,426</ix: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="c-3604" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9290">2,329</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="c-3605" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9291">97</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:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: Turkey</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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3606" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9292">567</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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3607" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9293">488</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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3608" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9294">80</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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3609" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9295">435</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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3610" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9296">363</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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3611" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9297">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3612" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9298">418</ix:nonFraction></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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3613" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9299">315</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="c-3614" decimals="-6" name="ifrs-full:AssetsLiabilitiesOfBenefitPlan" scale="6" id="f-9300">103</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-97" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Including gains and losses arising from settlements.</span></div></ix:footnote></ix:continuation><ix:footnote id="fn-98" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Excluding interest, which is recorded under "Interest income or expense".</span></div></ix:footnote></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_940"></div><ix:continuation id="f-9022-6" continuedAt="f-9022-7"><div style="margin-bottom:10pt;margin-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 &#8220;Provisions - Pensions and other post-employment defined benefit obligations&#8221; of the consolidated balance sheet as of December 31, 2024 includes &#8364;200 million relating to post-employment benefit commitments to former members of the Board of Directors and the Bank&#8217;s Management (see Note 54).</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_943"></div><ix:continuation id="f-9022-7" continuedAt="f-9022-8"><div style="margin-bottom:10pt;margin-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 achieve 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 to ensure that all decisions are made taking into consideration all of the associated impacts.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:ActuarialAssumptionsPercentageTableTextBlock" id="f-9301" 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, 2024, 2023 and 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:99.585%"><tr><td style="width:1.0%"/><td style="width:26.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.938%"/><td style="width:0.1%"/></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%">Actuarial assumptions (%)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;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: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%">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: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%">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: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%">Turkey</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:7pt;font-weight:400;line-height:120%">Discount rate</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="c-3615" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-9302">3.25</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="c-3616" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-9303">12.11</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="c-3617" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-9304">31.02</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="c-3618" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-9305">3.43</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="c-3619" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-9306">10.44</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="c-3620" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-9307">25.60</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="c-3621" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-9308">3.91</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="c-3622" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-9309">10.68</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="c-3623" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-9310">17.79</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 2px 1pt;text-align:right;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="c-3615" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" format="ixt:fixed-zero" scale="-2" id="f-9311">&#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 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="c-3616" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-9312">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="c-3617" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-9313">27.80</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="c-3618" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" format="ixt:fixed-zero" scale="-2" id="f-9314">&#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 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="c-3619" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-9315">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="c-3620" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-9316">23.44</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="c-3621" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" format="ixt:fixed-zero" scale="-2" id="f-9317">&#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 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="c-3622" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-9318">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="c-3623" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-9319">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></tr><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="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="c-3615" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" format="ixt:fixed-zero" scale="-2" id="f-9320">&#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 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="c-3616" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-9321">3.92</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="c-3617" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-9322">26.30</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 1pt;text-align:right;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="c-3618" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" format="ixt:fixed-zero" scale="-2" id="f-9323">&#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 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="c-3619" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-9324">4.14</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="c-3620" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-9325">21.94</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="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="c-3621" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" format="ixt:fixed-zero" scale="-2" id="f-9326">&#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 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="c-3622" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-9327">4.41</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="c-3623" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-9328">14.36</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 1pt;text-align:right;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="c-3615" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" format="ixt:fixed-zero" scale="-2" id="f-9329">&#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 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="c-3616" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" scale="-2" id="f-9330">8.00</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="c-3617" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" scale="-2" id="f-9331">30.50</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="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="c-3618" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" format="ixt:fixed-zero" scale="-2" id="f-9332">&#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 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="c-3619" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" scale="-2" id="f-9333">8.04</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="c-3620" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" scale="-2" id="f-9334">26.14</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="c-3621" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" format="ixt:fixed-zero" scale="-2" id="f-9335">&#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 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="c-3622" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" scale="-2" id="f-9336">8.04</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="c-3623" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" scale="-2" id="f-9337">18.56</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-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:7pt;font-weight:400;line-height:120%">Mortality tables</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-3624" name="bbva:MortalityTables" id="f-9338">PER 2020</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-3625" name="bbva:MortalityTables" id="f-9339">EMSSA09</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-3626" name="bbva:MortalityTables" id="f-9340">TUIK 2022</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-3627" name="bbva:MortalityTables" id="f-9341">PER 2020</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-3628" name="bbva:MortalityTables" id="f-9342">EMSSA09</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-3629" name="bbva:MortalityTables" id="f-9343">TUIK 2019</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-3630" name="bbva:MortalityTables" id="f-9344">PER 2020</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-3631" name="bbva:MortalityTables" id="f-9345">EMSSA09</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-3632" name="bbva:MortalityTables" id="f-9346">TUIK 2019</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, 2024, corresponds to the discount rate for long-term commitments, with the discount rate used for short-term commitments being 2.75%.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-9022-8" continuedAt="f-9022-9"><div style="margin-bottom:10pt;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 (see Note 2.2.13) 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="c-1" name="bbva:SensitivityAnalysisTableTextBlock" id="f-9347" 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 style="width:26.073%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.167%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.995%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></tr><tr style="height:17pt"><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 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 #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="rate" contextRef="c-3633" decimals="4" name="bbva:BasisPointsChangeSensitivityAnalysis" scale="-4" id="f-9348">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="c-3634" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9349">213</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="c-3634" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9350">232</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="c-3635" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9351">265</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="c-3635" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9352">291</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="c-3636" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9353">321</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="c-3636" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9354">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: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:right;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="c-3637" decimals="4" name="bbva:BasisPointsChangeSensitivityAnalysis" scale="-4" id="f-9355">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="c-3638" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9356">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="c-3638" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9357">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="c-3639" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9358">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="c-3639" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9359">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="c-3640" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9360">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="c-3640" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9361">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%">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:right;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="c-3641" decimals="4" name="bbva:BasisPointsChangeSensitivityAnalysis" scale="-4" id="f-9362">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="c-3642" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9363">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3642" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9364">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="c-3643" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9365">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="c-3643" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9366">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="c-3644" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9367">32</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3644" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9368">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%">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:right;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="c-3645" decimals="4" name="bbva:BasisPointsChangeSensitivityAnalysis" scale="-4" id="f-9369">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="c-3646" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9370">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3646" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9371">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3647" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9372">141</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3647" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9373">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3648" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9374">119</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3648" decimals="-6" sign="-" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9375">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:7pt;font-weight:400;line-height:120%">Change in obligation from each additional year of longevity</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"><ix:nonFraction unitRef="rate" contextRef="c-3649" xsi:nil="true" name="bbva:BasisPointsChangeSensitivityAnalysis" id="f-9376"></ix:nonFraction></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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3650" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9377">120</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3650" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" format="ixt:fixed-zero" scale="6" id="f-9378">&#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="c-3651" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9379">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3651" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" format="ixt:fixed-zero" scale="6" id="f-9380">&#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="c-3652" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="f-9381">113</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3652" decimals="-6" name="bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" format="ixt:fixed-zero" scale="6" id="f-9382">&#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:10pt;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 commitments to employees shown above, the Group has other less material long-term employee benefits. These include leaves and 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, a fund related to the collective layoff procedure that was carried out in Banco Bilbao Vizcaya Argentaria, S.A. was created in 2021. As of December 31, 2024, 2023 and 2022, the actuarial liabilities for the outstanding awards amounted to &#8364;<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:OtherLongtermProvisions" scale="6" id="f-9383">384</ix:nonFraction> million, &#8364;<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherLongtermProvisions" scale="6" id="f-9384">435</ix:nonFraction> million and &#8364;<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherLongtermProvisions" scale="6" id="f-9385">466</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="i22a2e436ff7c462c96898906283f922e_946"></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><ix:continuation id="f-9022-9" continuedAt="f-9022-10"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Post-employment commitments and similar obligations</span></ix:continuation></div><ix:continuation id="f-9022-10" continuedAt="f-9022-11"><div style="margin-bottom:10pt;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%">Additionally, there are commitments with early retired personnel from Spanish companies of the Group. 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, 2024, 2023 and 2022, the value of these commitments amounted to &#8364;271 million, &#8364;412 million and &#8364;606 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:nonNumeric contextRef="c-1" name="bbva:PostEmploymentCommitmentsTableTextBlock" id="f-9386" continuedAt="f-9386-1" escape="true"><ix:continuation id="f-9022-11" continuedAt="f-9022-12"><div style="margin-bottom:10pt;margin-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, 2024 was 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 style="width:46.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.017%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.017%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.017%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.019%"/><td style="width:0.1%"/></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 2024 (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="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 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="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="c-3653" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-9387">2,310</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="c-3654" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-9388">1,269</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="c-3655" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-9389">435</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="c-3656" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-9390">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%">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="c-3657" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9391">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="c-3658" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9392">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="c-3659" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9393">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="c-3660" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9394">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="c-3661" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9395">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3662" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9396">118</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3663" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9397">105</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3664" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9398">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%">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="c-3665" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9399">&#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="c-3666" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9400">&#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="c-3667" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9401">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3668" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9402">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%">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="c-3669" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9403">&#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="c-3670" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9404">&#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="c-3671" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9405">&#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="c-3672" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9406">&#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="c-3673" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9407">&#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="c-3674" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9408">&#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="c-3675" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9409">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3676" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9410">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%">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="c-3677" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9411">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="c-3678" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9412">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="c-3679" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9413">83</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3680" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9414">9</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="c-3681" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9415">&#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="c-3682" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9416">&#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="c-3683" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9417">&#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="c-3684" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9418">&#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="c-3685" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9419">&#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="c-3686" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9420">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="c-3687" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9421">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="c-3688" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9422">&#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="c-3689" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9423">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="c-3690" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9424">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3691" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9425">97</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3692" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9426">3</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="c-3693" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9427">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3694" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9428">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3695" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9429">195</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3696" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9430">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%">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="c-3697" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9431">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="c-3698" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9432">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3699" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9433">32</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3700" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9434">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" contextRef="c-3701" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9435">&#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="c-3702" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9436">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="c-3703" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9437">&#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="c-3704" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9438">&#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="c-3705" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9439">&#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="c-3706" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9440">&#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="c-3707" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9441">&#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="c-3708" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9442">&#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="c-3709" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9443">&#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="c-3710" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9444">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="c-3711" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9445">48</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3712" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9446">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%">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="c-3713" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9447">&#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="c-3714" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9448">&#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="c-3715" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9449">&#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="c-3716" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9450">&#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="c-3717" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9451">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="c-3718" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9452">&#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="c-3719" decimals="-6" sign="-" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" scale="6" id="f-9453">11</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3720" decimals="-6" name="bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9454">&#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="c-3721" decimals="6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-9455">2,078</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3722" decimals="6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-9456">1,124</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3723" decimals="6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-9457">567</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3724" decimals="6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-9458">260</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="c-3725" decimals="6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-9459">72</ix:nonFraction></span></td><td colspan="3" style="background-color:#A7A7A7;border-left:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"/><td colspan="3" style="background-color:#A7A7A7;border-right:1pt solid #FFFFFF;padding:0 1pt"/></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="c-3726" decimals="6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-9460">2,006</ix:nonFraction></span></td><td colspan="3" style="background-color:#A7A7A7;border-left:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"/><td colspan="3" style="background-color:#A7A7A7;border-right:1pt solid #FFFFFF;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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 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="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="c-3653" decimals="-6" name="bbva:PlanAssets" scale="6" id="f-9461">129</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="c-3654" decimals="-6" name="bbva:PlanAssets" scale="6" id="f-9462">958</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="c-3655" decimals="-6" name="bbva:PlanAssets" scale="6" id="f-9463">363</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="c-3656" decimals="-6" name="bbva:PlanAssets" scale="6" id="f-9464">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%">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="c-3657" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9465">&#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="c-3658" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9466">&#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="c-3659" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9467">&#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="c-3660" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9468">&#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="c-3661" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9469">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="c-3662" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9470">87</ix: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="c-3663" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9471">89</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3664" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9472">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%">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="c-3665" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9473">&#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="c-3666" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9474">&#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="c-3667" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9475">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3668" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9476">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%">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="c-3669" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9477">&#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="c-3670" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9478">68</ix: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="c-3671" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9479">39</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3672" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9480">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: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="c-3673" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9481">&#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="c-3674" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9482">&#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="c-3675" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9483">&#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="c-3676" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9484">&#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="c-3677" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9485">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="c-3678" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9486">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3679" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9487">50</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3680" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9488">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"><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="c-3681" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9489">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:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3682" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9490">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3683" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9491">50</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3684" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9492">10</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="c-3685" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9493">&#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="c-3686" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9494">&#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="c-3687" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9495">&#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="c-3688" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9496">&#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="c-3689" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9497">&#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="c-3690" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9498">&#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="c-3691" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9499">&#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="c-3692" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9500">&#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%">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="c-3693" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9501">&#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="c-3694" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9502">&#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="c-3695" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9503">&#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="c-3696" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9504">&#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%">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="c-3697" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9505">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="c-3698" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9506">108</ix: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="c-3699" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9507">20</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3700" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9508">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%">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="c-3701" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9509">&#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="c-3702" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9510">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3703" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9511">&#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="c-3704" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9512">&#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="c-3705" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9513">&#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="c-3706" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9514">&#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="c-3707" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9515">&#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="c-3708" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9516">&#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="c-3709" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9517">&#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="c-3710" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9518">132</ix: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="c-3711" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9519">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="c-3712" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9520">&#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%">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="c-3713" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9521">&#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="c-3714" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9522">&#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="c-3715" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9523">&#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="c-3716" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9524">&#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%">Other effects</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3717" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9525">&#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="c-3718" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9526">&#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="c-3719" decimals="-6" sign="-" name="bbva:PlanAssetsChangesOfTheYear" scale="6" id="f-9527">7</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3720" decimals="-6" name="bbva:PlanAssetsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9528">&#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="c-3721" decimals="-6" name="bbva:PlanAssets" scale="6" id="f-9529">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3722" decimals="-6" name="bbva:PlanAssets" scale="6" id="f-9530">748</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3723" decimals="-6" name="bbva:PlanAssets" scale="6" id="f-9531">488</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3724" decimals="-6" name="bbva:PlanAssets" scale="6" id="f-9532">234</ix:nonFraction></span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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 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="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="c-3653" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-9533">2,181</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="c-3654" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9534">311</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="c-3655" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9535">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3656" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9536">23</ix:nonFraction></span></td></tr><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="c-3657" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9537">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="c-3658" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9538">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="c-3659" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9539">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="c-3660" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9540">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="c-3661" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9541">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3662" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9542">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3663" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9543">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="c-3664" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9544">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%">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="c-3665" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9545">&#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="c-3666" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9546">&#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="c-3667" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9547">&#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="c-3668" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9548">&#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="c-3669" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9549">&#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="c-3670" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9550">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3671" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9551">39</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3672" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9552">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: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="c-3673" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9553">&#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="c-3674" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9554">&#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="c-3675" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9555">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3676" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9556">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%">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="c-3677" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9557">23</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="c-3678" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9558">139</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="c-3679" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9559">32</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3680" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9560">19</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="c-3681" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9561">1</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="c-3682" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9562">125</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="c-3683" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9563">50</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3684" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9564">10</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="c-3685" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9565">&#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="c-3686" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9566">2</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="c-3687" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9567">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="c-3688" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9568">&#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="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="c-3689" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9569">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="c-3690" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9570">10</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="c-3691" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9571">97</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3692" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9572">3</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="c-3693" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9573">10</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="c-3694" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9574">22</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="c-3695" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9575">195</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3696" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9576">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%">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="c-3697" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9577">321</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="c-3698" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9578">&#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="c-3699" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9579">11</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3700" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9580">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="c-3701" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9581">&#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="c-3702" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9582">&#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="c-3703" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9583">&#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="c-3704" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9584">&#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="c-3705" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9585">&#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="c-3706" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9586">&#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="c-3707" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9587">&#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="c-3708" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9588">&#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="c-3709" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9589">&#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="c-3710" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9590">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="c-3711" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9591">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="c-3712" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9592">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%">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="c-3713" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9593">&#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="c-3714" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9594">&#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="c-3715" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9595">&#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="c-3716" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9596">&#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="c-3717" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9597">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="c-3718" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9598">&#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="c-3719" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9599">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="c-3720" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9600">&#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="c-3721" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-9601">1,964</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="c-3722" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9602">377</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="c-3723" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9603">80</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="c-3724" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9604">26</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="fn-99" footnoteRole="http://www.xbrl.org/2003/role/footnote">1) Including gains and losses arising from settlements.</ix:footnote></span></div><ix:footnote id="fn-100" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Excluding interest, which is recorded under "Interest income or expense".</span></div></ix:footnote><div style="margin-bottom: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 change in net liabilities (assets) during the years ended December 31, 2023 and 2022 was as follows:</span></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-9386-1"><ix:continuation id="f-9022-12" continuedAt="f-9022-13"><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 style="width:39.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.303%"/><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%">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 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%">2023: Net liability (assets)</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:7pt;font-weight:700;line-height:120%">2022: Net liability (assets)</span></td></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 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%">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="c-3727" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-9605">2,399</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="c-3728" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9606">132</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="c-3729" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9607">103</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="c-3730" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9608">25</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="c-3731" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-9609">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3732" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9610">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3733" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9611">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3734" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9612">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: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="c-3735" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9613">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="c-3736" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9614">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="c-3737" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9615">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="c-3738" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9616">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="c-3739" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9617">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="c-3740" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9618">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="c-3741" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9619">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3742" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9620">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="c-3743" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9621">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3744" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9622">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="c-3745" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9623">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="c-3746" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9624">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="c-3747" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9625">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3748" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9626">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="c-3749" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9627">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3750" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9628">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%">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="c-3751" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9629">&#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="c-3752" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9630">&#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="c-3753" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9631">&#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="c-3754" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9632">&#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="c-3755" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9633">&#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="c-3756" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9634">&#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="c-3757" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9635">&#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="c-3758" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9636">&#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="c-3759" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9637">&#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="c-3760" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9638">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3761" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9639">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="c-3762" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9640">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="c-3763" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9641">&#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="c-3764" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9642">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3765" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9643">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="c-3766" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9644">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: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="c-3767" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9645">&#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="c-3768" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9646">&#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="c-3769" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9647">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="c-3770" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9648">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="c-3771" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9649">&#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="c-3772" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9650">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="c-3773" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9651">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="c-3774" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9652">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="c-3775" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9653">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3776" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9654">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3777" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9655">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="c-3778" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9656">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="c-3779" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9657">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="c-3780" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9658">152</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3781" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9659">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3782" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9660">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: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="c-3783" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9661">&#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="c-3784" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9662">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="c-3785" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9663">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3786" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9664">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3787" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9665">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="c-3788" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9666">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="c-3789" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9667">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3790" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9668">121</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="c-3791" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9669">&#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="c-3792" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9670">&#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="c-3793" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9671">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3794" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9672">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="c-3795" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9673">&#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="c-3796" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9674">&#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="c-3797" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9675">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3798" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9676">8</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="c-3799" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9677">78</ix:nonFraction></span></td><td colspan="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="c-3800" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9678">114</ix:nonFraction></span></td><td colspan="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="c-3801" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9679">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3802" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9680">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3803" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9681">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3804" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9682">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3805" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9683">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:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3806" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9684">132</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="c-3807" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9685">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="c-3808" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9686">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3809" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9687">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3810" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9688">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="c-3811" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9689">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="c-3812" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9690">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="c-3813" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9691">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3814" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9692">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%">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="c-3815" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9693">379</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3816" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9694">&#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="c-3817" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9695">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="c-3818" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9696">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="c-3819" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9697">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3820" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9698">&#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="c-3821" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9699">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="c-3822" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9700">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" contextRef="c-3823" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9701">&#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="c-3824" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9702">&#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="c-3825" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9703">&#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="c-3826" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9704">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="c-3827" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9705">&#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="c-3828" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9706">&#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="c-3829" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9707">&#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="c-3830" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9708">&#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%">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3831" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9709">&#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="c-3832" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9710">&#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="c-3833" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9711">&#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="c-3834" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9712">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="c-3835" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9713">&#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="c-3836" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9714">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3837" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9715">&#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="c-3838" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9716">&#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="c-3839" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9717">&#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="c-3840" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9718">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="c-3841" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9719">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="c-3842" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9720">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="c-3843" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9721">&#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="c-3844" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9722">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="c-3845" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9723">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="c-3846" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9724">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%">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="c-3847" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9725">&#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="c-3848" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9726">&#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="c-3849" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9727">&#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="c-3850" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9728">&#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="c-3851" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9729">&#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="c-3852" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9730">&#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="c-3853" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9731">&#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="c-3854" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9732">&#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%">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="c-3855" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9733">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="c-3856" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9734">&#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="c-3857" decimals="-6" sign="-" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9735">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="c-3858" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9736">&#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="c-3859" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" scale="6" id="f-9737">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="c-3860" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9738">&#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="c-3861" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9739">&#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="c-3862" decimals="-6" name="bbva:NetLiabilityAssetChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9740">&#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="c-3653" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-9741">2,181</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="c-3654" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9742">311</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="c-3655" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9743">72</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="c-3656" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9744">23</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="c-3727" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-9745">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3728" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9746">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3729" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9747">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:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3730" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-9748">25</ix:nonFraction></span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes gains and losses from settlements.</span></div></ix:continuation><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Excludes interest which is reflected in the line item &#8220;Interest income and expense&#8221;.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_949"></div><ix:continuation id="f-9022-13" continuedAt="f-9022-14"><div style="margin-bottom:10pt;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. (a consolidated subsidiary and related party) 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, 2024 the value of these separate assets was &#8364;1,553 million, (&#8364;1,631 million and &#8364;1,656 million as of December 31, 2023 and 2022, 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, 2024, 2023 and 2022, the value of the aforementioned insurance policies (&#8364;114, &#8364;130 and &#8364;147 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 to ensure 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 recognized an obligation amounting to &#8364;382 million as of December 31, 2024 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-147</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_952"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:continuation id="f-9022-14" continuedAt="f-9022-15"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Medical benefit commitments</span></ix:continuation></div><ix:continuation id="f-9022-15" continuedAt="f-9022-16"><ix:nonNumeric contextRef="c-1" name="bbva:MedicalBenefitsCommitmentsTableTextBlock" id="f-9749" 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 2024, 2023 and 2022 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 style="width:25.402%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.070%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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%">2022</span></td></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 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="c-3863" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9750">1,728</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="c-3864" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9751">1,744</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="c-3865" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitments" scale="6" id="f-9752">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="c-3866" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9753">1,448</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="c-3867" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9754">1,476</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="c-3868" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitments" scale="6" id="f-9755">28</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="c-3869" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9756">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="c-3870" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9757">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="c-3871" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitments" scale="6" id="f-9758">116</ix:nonFraction>)</span></td></tr><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="c-3872" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9759">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="c-3873" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9760">&#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="c-3874" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9761">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="c-3875" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9762">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="c-3876" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9763">&#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="c-3877" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9764">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="c-3878" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9765">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="c-3879" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9766">&#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="c-3880" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9767">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%">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="c-3881" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9768">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="c-3882" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9769">168</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3883" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9770">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="c-3884" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9771">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="c-3885" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9772">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3886" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9773">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="c-3887" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9774">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="c-3888" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9775">157</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3889" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9776">14</ix:nonFraction>)</span></td></tr><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="c-3890" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9777">&#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="c-3891" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9778">&#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="c-3892" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9779">&#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="c-3893" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9780">&#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="c-3894" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9781">&#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="c-3895" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9782">&#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="c-3896" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9783">&#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="c-3897" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9784">&#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="c-3898" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9785">&#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="c-3899" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9786">&#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="c-3900" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9787">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="c-3901" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9788">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="c-3902" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9789">&#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="c-3903" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9790">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="c-3904" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9791">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="c-3905" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9792">&#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="c-3906" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9793">&#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="c-3907" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9794">&#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: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="c-3908" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9795">&#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="c-3909" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9796">&#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="c-3910" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9797">&#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="c-3911" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9798">&#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="c-3912" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9799">&#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="c-3913" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9800">&#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="c-3914" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9801">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="c-3915" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9802">&#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="c-3916" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9803">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: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="c-3917" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9804">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3918" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9805">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3919" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9806">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="c-3920" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9807">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="c-3921" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9808">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="c-3922" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9809">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="c-3923" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9810">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="c-3924" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9811">144</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3925" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9812">71</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="c-3926" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9813">&#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="c-3927" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9814">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3928" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9815">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3929" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9816">&#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="c-3930" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9817">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3931" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9818">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3932" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9819">&#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="c-3933" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9820">144</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3934" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9821">144</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="c-3935" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9822">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="c-3936" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9823">&#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="c-3937" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9824">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="c-3938" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9825">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3939" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9826">&#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="c-3940" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9827">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3941" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9828">&#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="c-3942" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9829">&#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="c-3943" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9830">&#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="c-3944" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9831">293</ix:nonFraction>)</span></td><td colspan="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="c-3945" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9832">&#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="c-3946" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9833">293</ix:nonFraction>)</span></td><td colspan="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="c-3947" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9834">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:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3948" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9835">&#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="c-3949" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9836">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:7pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3950" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9837">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="c-3951" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9838">&#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="c-3952" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9839">191</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="c-3953" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9840">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3954" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9841">&#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="c-3955" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9842">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3956" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9843">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="c-3957" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9844">&#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="c-3958" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9845">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="c-3959" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9846">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="c-3960" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9847">&#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="c-3961" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9848">23</ix:nonFraction>)</span></td></tr><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="c-3962" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9849">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="c-3963" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9850">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3964" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9851">&#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="c-3965" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9852">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:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3966" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9853">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3967" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9854">&#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="c-3968" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9855">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="c-3969" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9856">60</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3970" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9857">&#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%">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" contextRef="c-3971" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9858">&#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="c-3972" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9859">&#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="c-3973" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9860">&#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="c-3974" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9861">&#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="c-3975" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9862">&#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="c-3976" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9863">&#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="c-3977" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9864">&#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="c-3978" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9865">&#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="c-3979" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9866">&#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%">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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3980" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9867">&#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="c-3981" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9868">&#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="c-3982" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9869">&#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="c-3983" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9870">&#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="c-3984" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9871">&#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="c-3985" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9872">&#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="c-3986" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9873">&#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="c-3987" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9874">139</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-3988" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9875">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%">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="c-3989" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9876">240</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3990" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9877">243</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3991" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9878">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="c-3992" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9879">168</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-3993" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9880">173</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-3994" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9881">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="c-3995" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9882">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="c-3996" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9883">167</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-3997" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" scale="6" id="f-9884">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: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="c-3998" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9885">&#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="c-3999" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9886">&#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="c-4000" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9887">&#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="c-4001" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9888">&#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="c-4002" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9889">&#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="c-4003" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9890">&#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="c-4004" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9891">&#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="c-4005" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9892">&#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="c-4006" decimals="-6" name="bbva:MedicalBenefitsCommitmentsChangesOfTheYear" format="ixt:fixed-zero" scale="6" id="f-9893">&#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="c-4007" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9894">1,269</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="c-4008" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9895">1,367</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="c-4009" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitments" scale="6" id="f-9896">98</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="c-3863" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9897">1,728</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="c-3864" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9898">1,744</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="c-3865" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitments" scale="6" id="f-9899">16</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="c-3866" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9900">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="c-3867" decimals="-6" name="bbva:MedicalBenefitsCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9901">1,476</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="c-3868" decimals="-6" sign="-" name="bbva:MedicalBenefitsCommitments" scale="6" id="f-9902">28</ix:nonFraction>)</span></td></tr></table></div><ix:footnote id="fn-101" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Including gains and losses arising from settlements.</span></div></ix:footnote><ix:footnote id="fn-102" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Excluding interest, which is recorded under "Interest income or expense".</span></div></ix:footnote></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="i22a2e436ff7c462c96898906283f922e_955"></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><ix:continuation id="f-9022-16" continuedAt="f-9022-17"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Estimated benefit payments</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:EstimatedBenefitPaymentsTableTextBlock" id="f-9903" escape="true"><ix:continuation id="f-9022-17" continuedAt="f-9022-18"><div style="margin-bottom:10pt;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, 2024, 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 style="width:25.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.091%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.091%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.091%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.091%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.091%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.094%"/><td style="width:0.1%"/></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 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</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%">2029</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%">2030 - 2034</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="c-4010" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9904">422</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="c-4011" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9905">278</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="c-4012" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9906">242</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="c-4013" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9907">210</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="c-4014" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9908">181</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="c-4015" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9909">618</ix:nonFraction></span></td></tr><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="c-4016" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9910">196</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4017" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9911">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="c-4018" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9912">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="c-4019" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9913">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="c-4020" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9914">235</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4021" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9915">1,331</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%">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="c-4022" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9916">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4023" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9917">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4024" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9918">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="c-4025" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9919">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4026" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9920">60</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4027" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9921">696</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="c-4028" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9922">645</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="c-4029" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9923">514</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="c-4030" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9924">495</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="c-4031" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9925">482</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="c-4032" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" scale="6" id="f-9926">477</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="c-4033" decimals="-6" name="ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9927">2,645</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_958"></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><ix:continuation id="f-9022-18" continuedAt="f-9022-19"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Plan assets </span></ix:continuation></div><ix:continuation id="f-9022-19" continuedAt="f-9022-20"><div style="margin-bottom:10pt;margin-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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-9022-20" continuedAt="f-9022-21"><div style="margin-bottom:10pt;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="c-1" name="bbva:PlanAssetsBreakdownTableTextBlock" id="f-9928" escape="true"><div style="margin-bottom:4pt;margin-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, 2024, 2023 and 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 style="width:38.345%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.087%"/><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%">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 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%">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%">2022</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 and 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="c-4034" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9929">60</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="c-4035" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9930">86</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="c-4036" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9931">169</ix:nonFraction></span></td></tr><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="c-4037" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9932">2,267</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="c-4038" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9933">2,818</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4039" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9934">2,270</ix:nonFraction></span></td></tr><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="c-4040" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9935">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="c-4041" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9936">&#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="c-4042" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9937">&#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%">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="c-4043" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9938">&#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="c-4044" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9939">&#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="c-4045" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9940">&#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="c-4046" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9941">&#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="c-4047" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9942">&#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="c-4048" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9943">&#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="c-4049" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9944">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4050" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9945">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="c-4051" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9946">183</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="c-4052" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9947">2,349</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4053" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9948">2,924</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4054" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-9949">2,622</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="c-4055" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9950">25</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="c-4056" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9951">23</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="c-4057" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-9952">7</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="c-4058" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9953">&#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="c-4059" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9954">&#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="c-4060" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9955">&#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="c-4061" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9956">&#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="c-4062" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9957">&#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="c-4063" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" format="ixt:fixed-zero" scale="6" id="f-9958">&#8212;</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:7pt;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="c-1" name="bbva:InvestmentsInListedMarketsTableTextBlock" id="f-9959" escape="true"><div style="margin-bottom:7pt;margin-top:7pt;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, 2024, 2023 and 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 style="width:38.345%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.087%"/><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%">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 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%">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%">2022</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 and 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="c-4064" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="f-9960">60</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="c-4065" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="f-9961">86</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="c-4066" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="f-9962">169</ix:nonFraction></span></td></tr><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="c-4067" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="f-9963">2,267</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="c-4068" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="f-9964">2,818</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4069" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="f-9965">2,270</ix:nonFraction></span></td></tr><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="c-4070" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="f-9966">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="c-4071" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="f-9967">&#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="c-4072" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="f-9968">&#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="c-4073" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="f-9969">2,328</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="c-4074" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="f-9970">2,904</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4075" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:num-dot-decimal" scale="6" id="f-9971">2,439</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="c-4076" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="f-9972">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="c-4077" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="f-9973">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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4078" decimals="-6" name="bbva:InvestmentInListedMarkets" scale="6" id="f-9974">7</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="c-4079" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="f-9975">&#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="c-4080" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="f-9976">&#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="c-4081" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="f-9977">&#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="c-4082" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="f-9978">&#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="c-4083" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="f-9979">&#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="c-4084" decimals="-6" name="bbva:InvestmentInListedMarkets" format="ixt:fixed-zero" scale="6" id="f-9980">&#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, 2024, almost all of the assets related to employee commitments corresponded to fixed income securities.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:120%">25.2</span><ix:continuation id="f-9022-21" continuedAt="f-9022-22"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Defined contribution plans</span></ix:continuation></div><ix:continuation id="f-9022-22"><div style="margin-bottom:10pt;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="i22a2e436ff7c462c96898906283f922e_964"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfCapitalTextBlock" id="f-9981" continuedAt="f-9981-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Capital</span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_967"></div><ix:continuation id="f-9981-1" continuedAt="f-9981-2"><div style="margin-bottom:10pt;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, 2024 and 2023 BBVA&#8217;s share capital amounted to &#8364;2,824,009,877.85 and &#8364;2,860,590,786.20 divided into 5,763,285,465 and 5,837,940,380 shares, respectively; while 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. These decreases have been the result of the partial execution of the share capital reduction resolution adopted by the Ordinary Annual General Shareholders' Meeting of BBVA held on March 15, 2024, under item 3 of the agenda notified on May 24, 2024; of the partial executions of the share capital reduction resolution adopted by the Ordinary Annual General Shareholders' Meeting of BBVA held on March 17, 2023, under item 3 of the agenda notified on June 2, 2023 and on December 19, 2023; and of the partial executions of the share capital reduction resolution adopted by the Annual 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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-9981-2" continuedAt="f-9981-3"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, the shares were fully subscribed and paid-up, of the same class and series, of &#8364;0.49 par value each, and 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><div style="margin-bottom:10pt;margin-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 Sistema de Interconexi&#243;n Burs&#225;til Espa&#241;ol (Mercado Continuo), 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, 2024, 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, 2024, State Street Bank and Trust Company, JPMorgan Chase, The Bank of New York Mellon and Northern Trust Company, in their capacity as international custodian/depositary banks, held 13.82%, 12.57%, 10.76%, and 3.25% 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:130%">On February 5, 2024, BlackRock, Inc. reported to the SEC that it beneficially owned 7.2% of BBVA&#8217;s common stock. On November 25, 2024, Europacific Growth Fund reported to the CNMV that it had a direct holding of 3.010% of BBVA&#8217;s common stock. On March 26, 2024, Capital Research and Management Company reported to the CNMV that it indirectly had voting power over 5.027% of BBVA&#8217;s common stock. </span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_970"></div><ix:continuation id="f-9981-3" continuedAt="f-9981-4"><div style="margin-bottom:10pt;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 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 Shareholders' 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.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_973"></div><ix:continuation id="f-9981-4" continuedAt="f-9981-5"><div style="margin-bottom:10pt;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 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.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_976"></div><ix:continuation id="f-9981-5" continuedAt="f-9981-6"><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 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 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 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 convertible securities (other than contingently convertible securities, envisaged to meet regulatory requirements for their eligibility as capital instruments (CoCo)) as resolved by BBVA's Annual General Shareholders' Meeting held on March 18, 2022 under agenda item five and which is described in Note 22.4.1 (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 Shareholders' Meeting 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 preparation of these Consolidated Financial Statements, the Bank has not made use of the delegation granted by the General Shareholders' Meeting.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Extraordinary General Shareholders' Meeting of BBVA held on July 5, 2024 resolved, under item one of the agenda, to authorize an increase in BBVA&#8217;s share capital for up to a maximum nominal amount of &#8364;551,906,524.05 by issuing and putting into circulation up to 1,126,339,845 ordinary shares with a par value of &#8364;0.49 each, of the same class and series, and with the same rights as the outstanding shares at such date, represented in book-entry form, with non-cash contributions for the purposes of covering the consideration of the voluntary tender offer for the acquisition of up to 100% of the shares of Banco de Sabadell, S.A. announced by BBVA (see Note 3). This capital increase has not been executed as of the date of preparation of 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:9pt;font-weight:700;line-height:133%">Capital Decrease</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-9981-6"><div style="margin-bottom:10pt;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 Annual General Shareholders' Meeting held on March 16, 2018 under item three of the agenda, and those that were acquired by virtue of the authorization granted by the General Shareholders' Meeting held on March 18, 2022 under item six of the agenda, from that date, through any mechanism whose objective or purpose is redemption. Pursuant to the resolution, its implementation period ended on the date of the following 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%">In the execution of said resolution (see Note 4), BBVA has executed the following share capital reductions: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 resolution 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 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 September 30, 2022, BBVA notified the second partial execution of the resolution 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 Second Tranche of the 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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA's Annual General Shareholders' Meeting held on March 17, 2023 resolved, under agenda item three, 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 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. Pursuant to the resolution, its implementation period ended on the date of the following 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 March 18, 2022, under agenda item seven, whose executions are 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 the execution of said resolution, (see Note 4), BBVA has executed the following share capital reductions: </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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 2, 2023, BBVA notified the partial execution of the resolution through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;31,675,343.91 and the consequent redemption, charged to unrestricted reserves, of 64,643,559 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of a share buyback program and which were held as treasury shares.</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 December 19, 2023, BBVA notified the second partial execution of the resolution through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;62,490,986.25 and the consequent redemption, charged to unrestricted reserves, of 127,532,625 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of a share buyback program and which were held as treasury share.</span></div><div style="margin-bottom:10pt;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 Annual General Shareholders' Meeting held on March 15, 2024 resolved, under agenda item three, 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 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. Pursuant to the resolution, its implementation period will end on the date of the following 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 March 17, 2023, under agenda item three, whose executions are 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 the execution of the Annual General Shareholders' Meeting held on March 15, 2024, BBVA has executed the following share capital reduction (see Note 4):</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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, 2024 BBVA notified the partial execution of the resolution through the reduction of BBVA's share capital in a nominal amount of &#8364;36,580,908.35 and the consequent redemption, charged to unrestricted reserves, of 74,654,915 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of a share buyback program 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 style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-151</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_979"></div><hr style="page-break-after:always"/><div style="min-height: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%">27.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfSharePremiumTextBlock" id="f-9982" continuedAt="f-9982-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Share premium</span></ix:nonNumeric></div><ix:continuation id="f-9982-1"><div style="margin-bottom: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%">As of December 31, 2024, the balance under this heading in the consolidated balance sheets was &#8364;<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-9983">19,184</ix:nonFraction> million. As of December 31, 2023 and 2022, the balance under this heading was &#8364;<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-9984">19,769</ix:nonFraction> million and &#8364;<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-9985">20,856</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="i22a2e436ff7c462c96898906283f922e_982"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfRetainedEarningsAndOtherReservesTextBlock" id="f-9986" continuedAt="f-9986-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Retained earnings and other reserves </span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_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%">28.1</span><ix:continuation id="f-9986-1" continuedAt="f-9986-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Breakdown of the balance </span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:RetainedEarningsAndOtherReservesTableTextBlock" id="f-9987" escape="true"><ix:continuation id="f-9986-2" continuedAt="f-9986-3"><div style="margin-bottom:10pt;margin-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 style="width:64.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.150%"/><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%">Retained earnings 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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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="c-13" decimals="-6" name="ifrs-full:StatutoryReserve" scale="6" id="f-9988">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:StatutoryReserve" scale="6" id="f-9989">572</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="c-21" decimals="-6" name="ifrs-full:StatutoryReserve" scale="6" id="f-9990">591</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="c-13" decimals="-6" name="bbva:RestrictedReserves" scale="6" id="f-9991">582</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:RestrictedReserves" scale="6" id="f-9992">561</ix:nonFraction></span></td><td colspan="3" 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="c-21" decimals="-6" name="bbva:RestrictedReserves" scale="6" id="f-9993">482</ix:nonFraction></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;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></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="c-13" decimals="-6" name="bbva:VoluntaryReserves" format="ixt:num-dot-decimal" scale="6" id="f-9994">6,470</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:VoluntaryReserves" format="ixt:num-dot-decimal" scale="6" id="f-9995">5,478</ix:nonFraction></span></td><td colspan="3" 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="c-21" decimals="-6" name="bbva:VoluntaryReserves" format="ixt:num-dot-decimal" scale="6" id="f-9996">3,906</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: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="c-13" decimals="-6" name="bbva:TotalReservesHoldingCompany" format="ixt:num-dot-decimal" scale="6" id="f-9997">7,616</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="c-20" decimals="-6" name="bbva:TotalReservesHoldingCompany" format="ixt:num-dot-decimal" scale="6" id="f-9998">6,612</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:TotalReservesHoldingCompany" format="ixt:num-dot-decimal" scale="6" id="f-9999">4,979</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" format="ixt:num-dot-decimal" scale="6" id="f-10000">34,891</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" format="ixt:num-dot-decimal" scale="6" id="f-10001">31,639</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" format="ixt:num-dot-decimal" scale="6" id="f-10002">30,077</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="c-13" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-10003">42,507</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="c-20" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-10004">38,251</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="c-21" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-10005">35,056</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-103" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_988"></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><ix:continuation id="f-9986-3" continuedAt="f-9986-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Legal reserve </span></ix:continuation></div><ix:continuation id="f-9986-4" continuedAt="f-9986-5"><div style="margin-bottom:10pt;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="i22a2e436ff7c462c96898906283f922e_991"></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><ix:continuation id="f-9986-5" continuedAt="f-9986-6"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:16.55pt">Restricted reserves </span></ix:continuation></div><ix:continuation id="f-9986-6" continuedAt="f-9986-7"><ix:nonNumeric contextRef="c-1" name="bbva:RestrictedReservesBreakdownByConceptsTableTextBlock" id="f-10006" 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, 2024, 2023 and 2022, 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 style="width:57.759%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.615%"/><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%">Restricted reserves. Breakdown by concepts (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"/><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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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%">2022</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></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="c-13" decimals="-6" name="bbva:RestrictedReserveForRetiredCapital" scale="6" id="f-10007">531</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="c-20" decimals="-6" name="bbva:RestrictedReserveForRetiredCapital" scale="6" id="f-10008">495</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="c-21" decimals="-6" name="bbva:RestrictedReserveForRetiredCapital" scale="6" id="f-10009">400</ix:nonFraction></span></td></tr><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></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="c-13" decimals="-6" name="bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares" scale="6" id="f-10010">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares" scale="6" id="f-10011">65</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-21" decimals="-6" name="bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares" scale="6" id="f-10012">80</ix:nonFraction></span></td></tr><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="c-13" decimals="-6" name="bbva:RestrictedReserveForRedenominationOfCapitalInEuros" scale="6" id="f-10013">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="c-20" decimals="-6" name="bbva:RestrictedReserveForRedenominationOfCapitalInEuros" scale="6" id="f-10014">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="c-21" decimals="-6" name="bbva:RestrictedReserveForRedenominationOfCapitalInEuros" scale="6" id="f-10015">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="c-13" decimals="-6" name="bbva:TotalRestrictedReserves" scale="6" id="f-10016">582</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="c-20" decimals="-6" name="bbva:TotalRestrictedReserves" scale="6" id="f-10017">561</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="c-21" decimals="-6" name="bbva:TotalRestrictedReserves" scale="6" id="f-10018">482</ix:nonFraction></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:112%">The restricted reserve for retired capital includes the partial executions of the capital reduction resolutions adopted by BBVA's General Shareholders' Meeting held on March 15, 2024, March 17, 2023 and March 18, 2022, respectively (see Note 26). </span></div><div style="margin-bottom:10pt;margin-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 style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-152</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_994"></div><hr style="page-break-after:always"/><div style="min-height: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%">28.4</span><ix:continuation id="f-9986-7" continuedAt="f-9986-8"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Retained earnings and other reserves by entity</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock" id="f-10019" escape="true"><ix:continuation id="f-9986-8" continuedAt="f-9986-9"><div style="margin-bottom:10pt;margin-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; 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 style="width:55.910%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.229%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><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%">Retained earnings 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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"/></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="c-4085" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10020">18,157</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="c-4086" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10021">15,672</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="c-4087" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10022">14,003</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="c-4088" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10023">17,209</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4089" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10024">15,705</ix:nonFraction></span></td><td colspan="3" 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="c-4090" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10025">14,042</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="c-4091" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10026">6,065</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="c-4092" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10027">5,857</ix:nonFraction></span></td><td colspan="3" 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="c-4093" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10028">5,703</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="c-4094" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10029">1,774</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4095" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10030">1,758</ix:nonFraction></span></td><td colspan="3" 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="c-4096" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10031">1,720</ix:nonFraction></span></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%">BBVA Argentina Group</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="c-4097" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10032">1,315</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4098" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10033">1,474</ix:nonFraction></span></td><td colspan="3" 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="c-4099" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10034">1,456</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="c-4100" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10035">1,639</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4101" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10036">1,573</ix:nonFraction></span></td><td colspan="3" 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="c-4102" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10037">1,489</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="c-4103" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10038">1,245</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4104" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10039">1,158</ix:nonFraction></span></td><td colspan="3" 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="c-4105" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10040">1,065</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%">Forum Chile 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="c-4106" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10041">663</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4107" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10042">652</ix:nonFraction></span></td><td colspan="3" 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="c-4108" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10043">632</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 Uruguay 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="c-4109" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10044">166</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4110" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10045">139</ix:nonFraction></span></td><td colspan="3" 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="c-4111" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10046">118</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%">BV America, 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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4112" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10047">469</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4113" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10048">374</ix:nonFraction></span></td><td colspan="3" 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="c-4114" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10049">299</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="c-4115" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10050">410</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4116" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10051">368</ix:nonFraction></span></td><td colspan="3" 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="c-4117" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10052">338</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 Seguros, 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="c-4118" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10053">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="c-4119" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10054">306</ix:nonFraction></span></td><td colspan="3" 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="c-4120" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10055">284</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%">Bilbao Vizcaya Holding, 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="c-4121" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10056">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4122" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10057">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4123" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10058">144</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 Tecnology Am&#233;rica 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="c-4124" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10059">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4125" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10060">87</ix:nonFraction></span></td><td colspan="3" 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="c-4126" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10061">85</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%">Pecri Inversi&#243;n, 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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4127" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10062">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4128" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10063">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4129" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10064">119</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="c-4130" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10065">5,524</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4131" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10066">5,497</ix:nonFraction>)</span></td><td colspan="3" 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="c-4132" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10067">5,529</ix:nonFraction>)</span></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:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Real State Spanish Companies &#8317;&#178;&#8318; </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="c-4133" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10068">1,152</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4134" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10069">1,164</ix:nonFraction>)</span></td><td colspan="3" 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="c-4135" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10070">909</ix:nonFraction>)</span></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:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</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="c-4136" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10071">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4137" decimals="-6" sign="-" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10072">155</ix:nonFraction>)</span></td><td colspan="3" 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="c-4138" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" scale="6" id="f-10073">217</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></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="c-13" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10074">42,734</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="c-20" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10075">38,488</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="c-21" decimals="-6" name="bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-10076">35,277</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:#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 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 #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="c-4139" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10077">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="c-4140" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10078">181</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="c-4141" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10079">169</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="c-4142" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10080">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="c-4143" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10081">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="c-4144" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10082">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="c-4145" decimals="-6" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10083">26</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="c-4146" decimals="-6" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10084">28</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="c-4147" decimals="-6" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10085">32</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="c-13" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10086">227</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="c-20" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10087">237</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="c-21" decimals="-6" sign="-" name="bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" scale="6" id="f-10088">221</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="c-13" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" format="ixt:num-dot-decimal" scale="6" id="f-10089">42,507</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="c-20" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" format="ixt:num-dot-decimal" scale="6" id="f-10090">38,251</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="c-21" decimals="-6" name="bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" format="ixt:num-dot-decimal" scale="6" id="f-10091">35,057</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-104" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><ix:footnote id="fn-105" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Includes balances corresponding to Sociedades inmobiliarias CX, Anida Grupo Inmobiliario and Sociedades inmobiliarias Unnim.</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div style="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:120%"><ix:continuation id="f-9986-9">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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-153</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_997"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfTreasurySharesTextBlock" id="f-10092" continuedAt="f-10092-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Treasury shares</span></ix:nonNumeric></div><ix:continuation id="f-10092-1"><ix:nonNumeric contextRef="c-1" name="bbva:TreasurySharesTableTextBlock" id="f-10093" 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, 2024, 2023 and 2022 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 style="width:29.562%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.458%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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:8pt;font-weight:700;line-height:120%">Number of Shares</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:8pt;font-weight:700;line-height:120%">Millions of Euros</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:8pt;font-weight:700;line-height:120%">Number of Shares</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:8pt;font-weight:700;line-height:120%">Millions of Euros</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:8pt;font-weight:700;line-height:120%">Number of Shares</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: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="c-20" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10094">4,386,625</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="c-20" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10095">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-21" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10096">5,485,414</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="c-21" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10097">29</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="c-173" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10098">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="c-173" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10099">647</ix:nonFraction></span></td></tr><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="eur" contextRef="c-1" decimals="0" name="bbva:NumberOfPurchasesOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10100">154,564,499</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:PurchasesOfTreasurySharesInMillionsOfEuros" format="ixt:num-dot-decimal" scale="6" id="f-10101">1,528</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="0" name="bbva:NumberOfPurchasesOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10102">301,882,728</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:PurchasesOfTreasurySharesInMillionsOfEuros" format="ixt:num-dot-decimal" scale="6" id="f-10103">2,166</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="0" name="bbva:NumberOfPurchasesOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10104">598,457,024</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" name="bbva:PurchasesOfTreasurySharesInMillionsOfEuros" format="ixt:num-dot-decimal" scale="6" id="f-10105">2,966</ix:nonFraction></span></td></tr><tr><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="eur" contextRef="c-1" decimals="0" sign="-" name="bbva:NumberOfSalesAndOtherChangesInTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10106">152,284,268</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" format="ixt:num-dot-decimal" scale="6" id="f-10107">1,497</ix: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="c-22" decimals="0" sign="-" name="bbva:NumberOfSalesAndOtherChangesInTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10108">302,981,517</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" format="ixt:num-dot-decimal" scale="6" id="f-10109">2,161</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="c-23" decimals="0" sign="-" name="bbva:NumberOfSalesAndOtherChangesInTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10110">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="c-23" decimals="-6" sign="-" name="bbva:SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" format="ixt:num-dot-decimal" scale="6" id="f-10111">3,583</ix:nonFraction>)</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"/></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"/></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="c-13" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10112">6,666,856</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10113">66</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;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="c-20" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10114">4,386,625</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10115">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-21" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10116">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="c-21" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10117">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: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 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-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-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-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="c-4148" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10118">410,370</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="c-4148" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10119">7</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="c-4149" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="f-10120">&#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="c-4149" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10121">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="c-4150" decimals="6" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="f-10122">&#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="c-4150" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10123">3</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="c-4151" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10124">6,256,486</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="c-4151" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10125">59</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="c-4152" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10126">4,354,004</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="c-4152" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10127">31</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="c-4153" decimals="6" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10128">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="c-4153" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10129">26</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="c-4154" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:fixed-zero" scale="0" id="f-10130">&#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="c-4154" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:fixed-zero" scale="6" id="f-10131">&#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="c-4155" decimals="0" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10132">32,621</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="c-4155" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:fixed-zero" scale="6" id="f-10133">&#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="c-4156" decimals="6" name="bbva:NumberOfTreasuryShares" format="ixt:num-dot-decimal" scale="0" id="f-10134">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="c-4156" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:fixed-zero" scale="6" id="f-10135">&#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="eur" contextRef="c-13" decimals="2" name="bbva:AveragePurchasesInEuros" scale="0" id="f-10136">9.89</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="c-4157" decimals="2" name="bbva:AveragePurchasesInEuros" format="ixt:fixed-zero" scale="6" id="f-10137">&#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="c-20" decimals="2" name="bbva:AveragePurchasesInEuros" scale="0" id="f-10138">7.18</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="c-4158" decimals="2" name="bbva:AveragePurchasesInEuros" format="ixt:fixed-zero" scale="6" id="f-10139">&#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="c-21" decimals="2" name="bbva:AveragePurchasesInEuros" scale="0" id="f-10140">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="c-4159" decimals="2" name="bbva:AveragePurchasesInEuros" format="ixt:fixed-zero" scale="6" id="f-10141">&#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 (including 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="eur" contextRef="c-13" decimals="2" name="bbva:AverageSellingPriceInEuros" scale="0" id="f-10142">9.89</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="c-4157" decimals="2" name="bbva:AverageSellingPriceInEuros" format="ixt:fixed-zero" scale="6" id="f-10143">&#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="c-20" decimals="2" name="bbva:AverageSellingPriceInEuros" scale="0" id="f-10144">7.14</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="c-4158" decimals="2" name="bbva:AverageSellingPriceInEuros" format="ixt:fixed-zero" scale="6" id="f-10145">&#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="c-21" decimals="2" name="bbva:AverageSellingPriceInEuros" scale="0" id="f-10146">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="c-4159" decimals="2" name="bbva:AverageSellingPriceInEuros" format="ixt:fixed-zero" scale="6" id="f-10147">&#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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:NetGainsOrLossesOnTransactions" scale="6" id="f-10148">10</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:NetGainsOrLossesOnTransactions" scale="6" id="f-10149">1</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:NetGainsOrLossesOnTransactions" scale="6" id="f-10150">9</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 2024, 2023 and 2022 there were transactions included in the share buyback program (see Note 4).</span></div><ix:nonNumeric contextRef="c-1" name="bbva:TreasuryStockTableTextBlock" id="f-10151" 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 percentages of treasury shares held by the Group in the years ended December 31, 2024, 2023 and 2022 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 style="width:30.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.451%"/><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%">Treasury Share</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #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%">Min</span></td><td colspan="3" style="border-top:1pt solid #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%">Max</span></td><td colspan="3" style="border-top:1pt solid #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%">Closing</span></td><td colspan="3" style="border-top:1pt solid #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%">Min</span></td><td colspan="3" style="border-top:1pt solid #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%">Max</span></td><td colspan="3" style="border-top:1pt solid #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%">Closing</span></td><td colspan="3" style="border-top:1pt solid #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%">Min</span></td><td colspan="3" style="border-top:1pt solid #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%">Max</span></td><td colspan="3" style="border-top:1pt solid #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%">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="c-4160" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="f-10152">0.076</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="c-4161" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="f-10153">1.513</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="c-4162" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="f-10154">0.116</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="c-4163" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="f-10155">0.038</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="c-4164" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="f-10156">2.214</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="c-4165" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="f-10157">0.075</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="c-4166" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="f-10158">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%">&#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="c-4167" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="f-10159">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%">&#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="c-4168" decimals="5" name="bbva:PercentageTreasuryStock" scale="-2" id="f-10160">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%">&#160;%</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:SharesOfBBVAAcceptedInPledgeTableTextBlock" id="f-10161" 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, 2024, 2023 and 2022 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 style="width:59.608%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.997%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.997%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.998%"/><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%">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 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%">2024</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%">2023</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></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%">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="c-1" decimals="0" name="bbva:NumberOfSharesInPledge" format="ixt:num-dot-decimal" scale="6" id="f-10162">13,308,677</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="c-22" decimals="0" name="bbva:NumberOfSharesInPledge" format="ixt:num-dot-decimal" scale="6" id="f-10163">17,492,194</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="c-23" decimals="0" name="bbva:NumberOfSharesInPledge" format="ixt:num-dot-decimal" scale="6" id="f-10164">23,437,363</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="c-1" decimals="2" name="bbva:NominalValueOfSharesOfBBVAAcceptedInPledge" scale="6" id="f-10165">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="c-22" decimals="2" name="bbva:NominalValueOfSharesOfBBVAAcceptedInPledge" scale="6" id="f-10166">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="c-23" decimals="2" name="bbva:NominalValueOfSharesOfBBVAAcceptedInPledge" scale="6" id="f-10167">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="c-1" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" scale="-2" id="f-10168">0.23</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="c-22" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" scale="-2" id="f-10169">0.29</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="c-23" decimals="5" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" scale="-2" id="f-10170">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></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" id="f-10171" 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, 2024, 2023 and 2022 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 style="width:59.548%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.017%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.017%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.018%"/><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%">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 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%">2024</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%">2023</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></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%">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="c-1" decimals="0" name="bbva:NumberOfSharesOwnedByThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10172">11,834,596</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="c-22" decimals="0" name="bbva:NumberOfSharesOwnedByThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10173">13,258,994</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="c-23" decimals="0" name="bbva:NumberOfSharesOwnedByThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10174">18,686,027</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="c-1" decimals="2" name="bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="6" id="f-10175">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="c-22" decimals="2" name="bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="6" id="f-10176">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="c-23" decimals="2" name="bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="6" id="f-10177">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="c-1" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="-2" id="f-10178">0.21</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="c-22" decimals="4" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="-2" id="f-10179">0.23</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="c-23" decimals="5" name="bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" scale="-2" id="f-10180">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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-154</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1000"></div><hr style="page-break-after:always"/><div style="min-height: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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock" id="f-10181" continuedAt="f-10181-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Accumulated other comprehensive income (loss)</span></ix:nonNumeric></div><ix:continuation id="f-10181-1"><ix:nonNumeric contextRef="c-1" name="bbva:AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" id="f-10182" 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 style="width:54.986%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.458%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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 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="c-13" decimals="-6" sign="-" name="bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10183">1,988</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="c-20" decimals="-6" sign="-" name="bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10184">2,105</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="c-21" decimals="-6" sign="-" name="bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10185">1,881</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 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="c-13" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10186">1,067</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="c-20" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10187">1,049</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="c-21" decimals="-6" sign="-" name="bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-10188">760</ix:nonFraction>)</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"/></tr><tr><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="c-13" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-10189">905</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10190">1,112</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="c-21" decimals="-6" sign="-" name="bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10191">1,194</ix:nonFraction>)</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"/></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"/></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"/></tr><tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" scale="6" id="f-10192">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" scale="6" id="f-10193">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="c-21" decimals="-6" name="bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" scale="6" id="f-10194">72</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 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="c-13" decimals="-6" sign="-" name="bbva:ItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10195">15,232</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="c-20" decimals="-6" sign="-" name="bbva:ItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10196">14,148</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="c-21" decimals="-6" sign="-" name="bbva:ItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10197">15,760</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 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="c-13" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10198">2,329</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="c-20" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10199">2,498</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="c-21" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10200">1,408</ix:nonFraction>)</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"/></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 colspan="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="c-4169" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10201">2,697</ix:nonFraction>)</span></td><td colspan="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="c-4170" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10202">3,147</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="c-4171" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10203">1,751</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 colspan="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="c-4172" decimals="-6" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10204">394</ix:nonFraction></span></td><td colspan="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="c-4173" decimals="-6" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10205">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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4174" decimals="-6" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10206">358</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 colspan="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="c-4175" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10207">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="c-4176" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10208">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4177" decimals="-6" sign="-" name="bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10209">15</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10210">12,702</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10211">11,419</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10212">13,078</ix:nonFraction>)</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"/></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 colspan="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="c-4169" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10213">3,644</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4170" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10214">640</ix:nonFraction>)</span></td><td colspan="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="c-4171" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10215">2,791</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 colspan="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="c-4172" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10216">5,835</ix:nonFraction>)</span></td><td colspan="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="c-4173" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10217">6,908</ix:nonFraction>)</span></td><td colspan="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="c-4174" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10218">6,599</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 colspan="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="c-4178" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10219">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="c-4179" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10220">1,296</ix:nonFraction>)</span></td><td colspan="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="c-4180" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10221">868</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 colspan="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="c-4181" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10222">1,865</ix:nonFraction>)</span></td><td colspan="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="c-4182" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10223">1,865</ix:nonFraction>)</span></td><td colspan="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="c-4183" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10224">1,850</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 colspan="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="c-4175" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10225">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-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4176" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10226">711</ix:nonFraction>)</span></td><td colspan="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="c-4177" decimals="-6" sign="-" name="bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10227">969</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortion" scale="6" id="f-10228">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="c-20" decimals="-6" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortion" scale="6" id="f-10229">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="c-21" decimals="-6" sign="-" name="bbva:HedgingDerivativesCashFlowHedgesEffectivePortion" scale="6" id="f-10230">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: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="c-13" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10231">576</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="c-20" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10232">357</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="c-21" decimals="-6" sign="-" name="bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10233">809</ix:nonFraction>)</span></td></tr><tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10234">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="c-20" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10235">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="c-21" decimals="-6" sign="-" name="bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-10236">18</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 colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10237">17,220</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="c-20" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10238">16,254</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="c-21" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10239">17,642</ix:nonFraction>)</span></td></tr></table></div><ix:footnote id="fn-106" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></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 2024 are explained by the depreciation against the euro of some of the currencies of the main geographical areas where the Group operates against the euro such as the Mexican peso (13.1%), Colombian peso (7.8%), the Argentine peso (16.8%) and the Turkish lira (11.1%) and the application of IAS 29 "Financial Reporting in Hyperinflationary Economies" in Turkey and Argentina (see Note 2.2.18).</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_1003"></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><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory" id="f-10240" continuedAt="f-10240-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Minority interests (non-controlling interests)</span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:NonControllingInterestClassifiedByConceptTableTextBlock" id="f-10241" escape="true"><ix:continuation id="f-10240-1" continuedAt="f-10240-2"><div style="margin-bottom:10pt;margin-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 of the balance under the heading &#8220;Minority interests (non-controlling interests)&#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 style="width:63.306%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.766%"/><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%">Minority interests (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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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></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="c-4184" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10242">1,351</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="c-4185" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10243">1,129</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="c-4186" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10244">1,179</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="c-4187" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10245">1,779</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4188" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10246">1,586</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4189" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10247">1,469</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="c-4190" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10248">843</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4191" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10249">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="c-4192" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10250">687</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="c-4193" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10251">60</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4194" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10252">82</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4195" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10253">73</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="c-4196" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10254">134</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4197" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10255">108</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4198" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10256">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 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="c-4199" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10257">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4200" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10258">115</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4201" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-10259">119</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="c-13" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10260">4,359</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10261">3,564</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10262">3,623</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-107" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div style="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-10240-2"><ix:nonNumeric contextRef="c-1" name="bbva:ProfitAttributableToNonControllingInterestsTableTextBlock" id="f-10263" 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-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:63.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.801%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.801%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.802%"/><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%">Profit attributable to minority interests (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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; </span></div></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></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="c-4202" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10264">116</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="c-4203" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10265">95</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="c-4204" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10266">28</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="c-4205" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10267">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4206" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10268">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="c-4207" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10269">236</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="c-4208" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10270">105</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4209" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10271">59</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4210" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10272">83</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="c-4211" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10273">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="c-4212" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10274">16</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4213" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10275">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%">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="c-4214" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10276">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="c-4215" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10277">24</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4216" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10278">22</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="c-4217" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10279">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="c-4218" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10280">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="c-4219" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10281">32</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="c-1" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10282">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="c-22" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10283">397</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-10284">405</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-108" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3 ).</span></div></ix:footnote></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 minority interests of the Group during the year 2024 related to: BBVA Peru Group &#8364;129 million, BBVA Argentina Group &#8364;142 million, Garanti BBVA Group &#8364;60 million and other Group entities &#8364;15 million.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_1006"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfCapitalBaseAndCapitalManagementTextBlock" id="f-10285" continuedAt="f-10285-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Capital base and capital management </span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_1009"></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><ix:continuation id="f-10285-1" continuedAt="f-10285-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Capital base</span></ix:continuation></div><ix:continuation id="f-10285-2" continuedAt="f-10285-3"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, own funds are calculated in accordance with 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 required internal capital adequacy assessment processes and the information required to be disclosed 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:130%">The CET1 fully loaded ratio of the BBVA Group stood at 12.88% at the end of December 2024, which allowed it to maintain a management buffer over the Group's CET 1 requirement (9.13%) and over the Group's target management range of between 11.5 - 12% of CET 1. The phased-in CET 1 ratio was also 12.88%.</span></div><div style="margin-bottom:10pt;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 minimum capital requirements applicable to the Group as of December 31, 2024, these amount to a minimum CET1 ratio of 9.13%, as well as a minimum total capital ratio of 13.29%. </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%">Following the latest decision of the SREP (Supervisory Review and Evaluation Process), which came into force on January 1, 2025, the ECB has notified the Group that the Pillar 2 requirement is maintained at 1.68% (of which 1.02% at least should be covered by CET1). In addition, the Bank of Spain has maintained the D-SIB (Domestic Systemically Important Banks) buffer requirement that the Group must maintain since January 1, 2025 at the same level as that in effect as of December 31, 2024. Therefore, BBVA must maintain a CET1 capital ratio of 9.13% and a total capital ratio of 13.29% at a consolidated level.</span></div></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:nonNumeric contextRef="c-1" name="bbva:EligibleCapitalResourcesTableTextBlock" id="f-10286" escape="true"><ix:continuation id="f-10285-3" continuedAt="f-10285-4"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 is shown below:</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 style="width:52.366%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.839%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:10.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.459%"/><td style="width:0.1%"/></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 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%">2024</span></td><td colspan="3" style="display:none"/><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%">2023</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></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%">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="c-13" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-10287">2,824</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #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="c-20" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-10288">2,861</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="c-21" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-10289">2,955</ix:nonFraction></span></td></tr><tr><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="c-13" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-10290">19,184</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-10291">19,769</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-10292">20,856</ix:nonFraction></span></td></tr><tr><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="c-13" decimals="-6" name="bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10293">42,507</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10294">38,251</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10295">35,056</ix:nonFraction></span></td></tr><tr><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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="f-10296">40</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="f-10297">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="f-10298">63</ix:nonFraction></span></td></tr><tr><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="c-13" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10299">66</ix:nonFraction>)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10300">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="c-21" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-10301">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: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="c-13" decimals="-6" name="bbva:ProfitOrLossAttributableToOwnersOfTheParent" format="ixt:num-dot-decimal" scale="6" id="f-10302">10,054</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ProfitOrLossAttributableToOwnersOfTheParent" format="ixt:num-dot-decimal" scale="6" id="f-10303">8,019</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ProfitOrLossAttributableToOwnersOfTheParent" format="ixt:num-dot-decimal" scale="6" id="f-10304">6,358</ix:nonFraction></span></td></tr><tr><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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:InterimDividends" format="ixt:num-dot-decimal" scale="6" id="f-10305">1,668</ix:nonFraction>)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:InterimDividends" scale="6" id="f-10306">951</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:InterimDividends" scale="6" id="f-10307">722</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 equity</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:ShareholdersFundsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10308">72,875</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ShareholdersFundsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10309">67,955</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="c-21" decimals="-6" name="bbva:ShareholdersFundsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10310">64,535</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%">Accumulated other comprehensive income (loss)</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%">30</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10311">17,220</ix:nonFraction>)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10312">16,254</ix: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="c-21" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10313">17,642</ix:nonFraction>)</span></td></tr><tr><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: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="c-13" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10314">4,359</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10315">3,564</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-10316">3,623</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%">Shareholders' equity</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10317">60,014</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10318">55,265</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="c-21" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10319">50,517</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%">Goodwill and other intangible assets</span></td><td colspan="3" style="padding:0 1pt"/><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="c-13" decimals="-6" sign="-" name="bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10320">1,553</ix:nonFraction>)</span></td><td colspan="3" style="display:none"/><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="c-20" decimals="-6" sign="-" name="bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10321">1,421</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="c-21" decimals="-6" sign="-" name="bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10322">1,395</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%">Differences from solvency and accounting perimeter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" scale="6" id="f-10323">185</ix:nonFraction>)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" scale="6" id="f-10324">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" scale="6" id="f-10325">123</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 not eligible at solvency level</span></td><td colspan="3" style="padding:0 1pt"/><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="c-13" decimals="-6" sign="-" name="bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" scale="6" id="f-10326">185</ix:nonFraction>)</span></td><td colspan="3" style="display:none"/><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="c-20" decimals="-6" sign="-" name="bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" scale="6" id="f-10327">137</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="c-21" decimals="-6" sign="-" name="bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" scale="6" id="f-10328">123</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%">Other adjustments and deductions &#8317;&#185;&#8318;</span></td><td colspan="3" style="padding:0 1pt"/><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="c-13" decimals="-6" sign="-" name="bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10329">7,476</ix:nonFraction>)</span></td><td colspan="3" style="display:none"/><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="c-20" decimals="-6" sign="-" name="bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10330">7,591</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="c-21" decimals="-6" sign="-" name="bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10331">6,262</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 colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:CommonEquityTier1CET1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10332">50,799</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:CommonEquityTier1CET1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10333">46,116</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:CommonEquityTier1CET1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10334">42,738</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 before Regulatory Adjustments</span></td><td colspan="3" style="padding:0 1pt"/><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="c-13" decimals="-6" name="bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10335">6,023</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-20" decimals="-6" name="bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10336">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="c-21" decimals="-6" name="bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10337">5,193</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:0 1pt"/><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="c-13" decimals="-6" name="bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" format="ixt:fixed-zero" scale="6" id="f-10338">&#8212;</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-20" decimals="-6" name="bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" format="ixt:fixed-zero" scale="6" id="f-10339">&#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="c-21" decimals="-6" name="bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" format="ixt:fixed-zero" scale="6" id="f-10340">&#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 colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:Tier1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10341">56,822</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:Tier1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10342">52,150</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:Tier1EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10343">47,931</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%">Tier 2</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10344">9,858</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10345">8,182</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="c-21" decimals="-6" name="bbva:Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10346">5,930</ix:nonFraction></span></td></tr><tr style="height:3pt"><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="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 Capital (Total Capital = Tier 1 + Tier 2)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:TotalCapitalTier1Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10347">66,680</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:TotalCapitalTier1Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10348">60,332</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="c-21" decimals="-6" name="bbva:TotalCapitalTier1Tier2EligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10349">53,861</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 Minimum equity required &#8317;&#178;&#8318;</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><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="c-13" decimals="-6" name="bbva:TotalMinimumEquityRequiredEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10350">52,427</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-20" decimals="-6" name="bbva:TotalMinimumEquityRequiredEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10351">47,455</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="c-21" decimals="-6" name="bbva:TotalMinimumEquityRequiredEligibleCapitalResources" format="ixt:num-dot-decimal" scale="6" id="f-10352">43,111</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-109" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The caption &#8220;Other adjustments and deductions&#8221; include, among others, the adjustment for non-computable minority interests, the amount of repurchases of own shares up to the maximum limit authorized by the ECB to the BBVA Group and the amount of dividends pending distribution.</span></div></ix:footnote><ix:footnote id="fn-110" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Calculated based on total minimum capital requirements applicable in each period.</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div style="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-10285-4" continuedAt="f-10285-5"><ix:nonNumeric contextRef="c-1" name="bbva:AmountOfCapitalCC1TableTextBlock" id="f-10353" 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, 2024, 2023 and 2022 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 style="width:66.542%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.377%"/><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="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 colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;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%">2024</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%">2023</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 &#8317;&#185;&#8318;</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="c-4220" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10354">22,008</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="c-4221" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10355">22,629</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="c-4222" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10356">23,810</ix:nonFraction></span></td></tr><tr><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="c-4223" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10357">39,652</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4224" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10358">34,889</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4225" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10359">31,436</ix:nonFraction></span></td></tr><tr><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="c-4226" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10360">14,334</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4227" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10361">12,872</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4228" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10362">13,952</ix:nonFraction>)</span></td></tr><tr><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="c-4229" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10363">2,343</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4230" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10364">1,864</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="c-4231" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10365">1,853</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%">Net attributable profit </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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4232" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10366">5,013</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4233" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10367">4,759</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4234" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10368">3,814</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="c-4235" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10369">54,681</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="c-4236" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10370">51,269</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="c-4237" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10371">46,962</ix:nonFraction></span></td></tr><tr><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="c-4238" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10372">1,553</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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4239" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10373">1,421</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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4240" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10374">1,395</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%">Direct, indirect and synthetic holdings in own Common Equity Tier I 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="c-4241" decimals="-6" sign="-" name="bbva:TotalTier1" scale="6" id="f-10375">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4242" decimals="-6" sign="-" name="bbva:TotalTier1" scale="6" id="f-10376">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4243" decimals="-6" sign="-" name="bbva:TotalTier1" scale="6" id="f-10377">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%">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="c-4244" decimals="-6" sign="-" name="bbva:TotalTier1" scale="6" id="f-10378">844</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4245" decimals="-6" sign="-" name="bbva:TotalTier1" scale="6" id="f-10379">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4246" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10380">1,057</ix:nonFraction>)</span></td></tr><tr><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 &#8317;&#179;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4247" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10381">1,242</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4248" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10382">2,412</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4249" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10383">1,416</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="c-4250" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10384">3,882</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="c-4251" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10385">5,153</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:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4252" decimals="-6" sign="-" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10386">4,223</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="c-4253" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10387">50,799</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="c-4254" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10388">46,116</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="c-4255" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10389">42,738</ix:nonFraction></span></td></tr><tr><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="c-4256" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10390">5,638</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4257" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10391">5,715</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4258" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10392">4,875</ix:nonFraction></span></td></tr><tr><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="c-4259" decimals="-6" name="bbva:TotalTier1" scale="6" id="f-10393">386</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4260" decimals="-6" name="bbva:TotalTier1" scale="6" id="f-10394">319</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4261" decimals="-6" name="bbva:TotalTier1" scale="6" id="f-10395">318</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="c-4262" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10396">6,023</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="c-4263" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10397">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="c-4264" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10398">5,193</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%">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="c-4265" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="f-10399">&#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="c-4266" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="f-10400">&#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="c-4267" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="f-10401">&#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="c-4268" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="f-10402">&#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="c-4269" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="f-10403">&#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="c-4270" decimals="-6" name="bbva:TotalTier1" format="ixt:fixed-zero" scale="6" id="f-10404">&#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="c-4271" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10405">6,023</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="c-4272" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10406">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="c-4273" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10407">5,193</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%">Tier 1 (Common equity TIER 1 + additional TIER 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="c-13" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10408">56,822</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="c-20" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10409">52,150</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="c-21" decimals="-6" name="bbva:TotalTier1" format="ixt:num-dot-decimal" scale="6" id="f-10410">47,931</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%">Capital instruments and share premium accounted as Tier 2</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4274" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10411">5,629</ix: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="c-4275" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10412">5,214</ix: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="c-4276" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10413">3,510</ix:nonFraction></span></td></tr><tr><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="c-4277" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10414">4,192</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="c-4278" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10415">2,890</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="c-4279" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10416">2,310</ix:nonFraction></span></td></tr><tr><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="c-4280" decimals="-6" name="bbva:TotalCapitalTier2" scale="6" id="f-10417">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="c-4281" decimals="-6" name="bbva:TotalCapitalTier2" scale="6" id="f-10418">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4282" decimals="-6" name="bbva:TotalCapitalTier2" scale="6" id="f-10419">213</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="c-4283" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10420">9,868</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="c-4284" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10421">8,192</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="c-4285" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10422">6,033</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="c-4286" decimals="-6" sign="-" name="bbva:TotalCapitalTier2" scale="6" id="f-10423">10</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="c-4287" decimals="-6" sign="-" name="bbva:TotalCapitalTier2" scale="6" id="f-10424">10</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="c-4288" decimals="-6" sign="-" name="bbva:TotalCapitalTier2" scale="6" id="f-10425">103</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="c-4289" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10426">9,858</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="c-4290" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10427">8,182</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="c-4291" decimals="-6" name="bbva:TotalCapitalTier2" format="ixt:num-dot-decimal" scale="6" id="f-10428">5,930</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 capital (Total capital = Tier 1 + Tier 2)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:TotalCapitalTier1Tier2" format="ixt:num-dot-decimal" scale="6" id="f-10429">66,680</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="c-20" decimals="-6" name="bbva:TotalCapitalTier1Tier2" format="ixt:num-dot-decimal" scale="6" id="f-10430">60,332</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="c-21" decimals="-6" name="bbva:TotalCapitalTier1Tier2" format="ixt:num-dot-decimal" scale="6" id="f-10431">53,861</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 RWA</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:TotalRWA" format="ixt:num-dot-decimal" scale="6" id="f-10432">394,468</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="c-20" decimals="-6" name="bbva:TotalRWA" format="ixt:num-dot-decimal" scale="6" id="f-10433">363,915</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="c-21" decimals="-6" name="bbva:TotalRWA" format="ixt:num-dot-decimal" scale="6" id="f-10434">337,066</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%">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="c-4292" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="f-10435">12.88</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="c-4293" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="f-10436">12.67</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="c-4294" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="f-10437">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></tr><tr><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%">Tier 1 (phased-in)</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="c-4295" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="f-10438">14.40</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="c-4296" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="f-10439">14.33</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="c-4297" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="f-10440">14.22</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><tr><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 capital (phased-in)</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="c-4298" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="f-10441">16.90</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="c-4299" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="f-10442">16.58</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="c-4300" decimals="4" name="bbva:PercentageRatioPhaseIn" scale="-2" id="f-10443">15.98</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><div><span><br/></span></div><ix:footnote id="fn-111" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In 2022, the difference between the phased-in and fully-loaded ratios arises from the temporary treatment of certain capital items, mainly as a result of the impact of IFRS 9, to which the BBVA Group adhered voluntarily (in accordance with article 473bis of the CRR and the subsequent amendments introduced by the Regulation (EU) 2020/873). In 2024 and 2023, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment.</span></div></ix:footnote><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="fn-112" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2) As of December 31, 2024, the total shareholder remuneration corresponding to the year 2024 (composed by a cash dividend, the share repurchase program and the proposed cash dividend subject to approval at the General Shareholders' Meeting), is deducted. As of December 31, 2023 and 2022 the cash dividends approved by the respective General Shareholders' Meetings are deducted</ix:footnote>.</span></div><ix:footnote id="fn-113" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) As of December 31, 2023 and 2022, the amounts of the share repurchase programs were deducted.</span></div></ix:footnote></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 strength of the BBVA Group's earnings has contributed to achieving a consolidated fully loaded CET1 ratio of 12.88% as of December 31, 2024, which allows it to maintain a management buffer over the Group's CET1 requirement as of that date (9.13%), which is also above the Group's target management range of 11.5 - 12.0% CET1. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The fully loaded CET1 ratio increased by 21 basis points, mainly explained by the generation of earnings in the year (276 basis points) which, net of shareholder remuneration and payment of convertible contingent instrument coupons (CoCos), generated a positive contribution of 127 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%">Meanwhile, the growth in risk-weighted assets (RWA) derived from the organic growth of the business in constant terms, mainly as a result of the increase in the loan portfolio, and, to a lesser extent, debt securities, as well as risk transfers that drained the ratio by -155 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%">In addition, CET1 had a positive contribution of +49 basis points mainly due to minority interests and the positive impact in Other Comprehensive Income (OCI) equivalent to the net monetary position value loss in hyperinflationary economies recorded in results, as well as the valuation of the Held to Collect and Sale portfolio and the effect of changes in foreign exchange rates due to the depreciation of the Mexican peso and, to a lesser extent, the Turkish lira (which led to a decrease in RWA), and the appreciation of the U.S. dollar.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Consolidated fully loaded Additional Tier 1 (AT1) capital fully loaded stood at 1.53% as of December 31, 2024, -13 basis points compared to 2023. In June 2024, BBVA, S.A completed an issuance for an amount of &#8364;750 million Contingent Convertible instruments (CoCos) in June 2024. In addition, in March 2024, the call for redemption of another issuance of Contingent Convertible instruments for a total amount of &#8364;1.0 billion was made.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-10285-5" continuedAt="f-10285-6"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The Tier 2 fully loaded ratio stood at 2.50% which represents an increase of 25 basis points compared to 2023, mainly due to the issuance of a subordinated bonds in Spain for &#8364;1.25 billion and &#8364;1.0 billion in February  and August 2024, respectively, and, to a lesser extent, the issuance in Mexico, Turkey and Peru of subordinated debt for amounts of USD 900 million, USD 500 million and USD 300 million, respectively in the first quarter, in addition to the issuance in December of USD 750 million of subordinated debt in Turkey. On the other hand, a subordinated debt issuance amounting to &#8364;750 million was redeemed in Spain. In addition, in December, the early redemption of another issuance of &#8364;1.0 billion was announced, which was completed in January 2025. In addition, in Turkey, one issuance was partially redeemed, amounting to USD 134 million, and the early redemption of another issuance of 750 million Turkish liras was announced and executed in February.</span></div><div style="margin-bottom:10pt;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, the total fully loaded capital ratio stood at 16.90% as of December 31, 2024. The total phased-in capital ratio was also 16.90% as of the same 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%">With regard to MREL (Minimum Requirement for own funds and Eligible Liabilities) BBVA, as an MPE</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">5</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">, has sub-consolidated requirements, based on its resolution group</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">6</span><span style="color:#000000;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%">On March 27, 2024 the Group made public that it had received a communication from the Bank of Spain regarding its MREL requirement, established by the Single Resolution Board (&#8220;SRB&#8221;). According to this communication, BBVA must maintain, as from March 27, 2024, a new MREL in RWA requirement of 22.79%</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">7</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">, not taking into account the current</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">8</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> combined buffer requirement (CBR) of 3.65%. In addition, BBVA must keep, also as from March 27, 2024, a volume of own funds and eligible liabilities in terms of total exposure considered for purposes of calculating the leverage ratio of 8.48% (the &#8220;MREL in LR&#8221;)</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">9</span><span style="color:#000000;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%">With respect to the MREL ratios achieved as of December 31, 2024, these were 27.92% and 12.10%, respectively for MREL in RWA and MREL in LR, reaching the subordinated ratios of both 23.13% and 10.03%, 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%">Given the structure of the resolution group's own funds and eligible liabilities, as of December 31, 2024, the Group meets the aforementioned 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%">Additionally, on January 1, 2025, the bulk of the articles of the new Capital Requirements Regulation (Regulation (EU) 2024/1623), more commonly known as "CRR III," came into force, aiming to implement the Basel III framework reform in Europe. At the date of preparation of the Consolidated Financial Statements, no significant impact is anticipated from its application.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_1012"></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><ix:continuation id="f-10285-6" continuedAt="f-10285-7"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Leverage ratio </span></ix:continuation></div><ix:continuation id="f-10285-7" continuedAt="f-10285-8"><div style="margin-bottom:10pt;margin-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="c-1" name="bbva:LeverageRatioTableTextBlock" id="f-10444" 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, 2024, 2023 and 2022, 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 style="width:58.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:12.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.306%"/><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%">Leverage ratio</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</span></td><td colspan="3" style="display:none"/><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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 1 (millions of Euros) (a)</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="c-13" decimals="-6" name="bbva:Tier1" format="ixt:num-dot-decimal" scale="6" id="f-10445">56,822</ix:nonFraction></span></td><td colspan="3" style="display:none"/><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="c-20" decimals="-6" name="bbva:Tier1" format="ixt:num-dot-decimal" scale="6" id="f-10446">52,150</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="c-21" decimals="-6" name="bbva:Tier1" format="ixt:num-dot-decimal" scale="6" id="f-10447">47,931</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="c-13" decimals="-6" name="bbva:ExposureToLeverageRatio" format="ixt:num-dot-decimal" scale="6" id="f-10448">834,488</ix:nonFraction></span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ExposureToLeverageRatio" format="ixt:num-dot-decimal" scale="6" id="f-10449">797,888</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ExposureToLeverageRatio" format="ixt:num-dot-decimal" scale="6" id="f-10450">737,990</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="c-13" decimals="4" name="bbva:LeverageRatio" scale="-2" id="f-10451">6.81</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="3" style="display:none"/><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="c-20" decimals="4" name="bbva:LeverageRatio" scale="-2" id="f-10452">6.54</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="c-21" decimals="4" name="bbva:LeverageRatio" scale="-2" id="f-10453">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></tr></table></div></ix:nonNumeric></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_1015"></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><ix:continuation id="f-10285-8" continuedAt="f-10285-9"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Capital management</span></ix:continuation></div><ix:continuation id="f-10285-9" continuedAt="f-10285-10"><div style="margin-bottom:10pt;margin-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 (RAF).</span></div><div style="margin-bottom:10pt;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 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 RAF, this optimal allocation serves as a guide for the Group's capital management and seeks a solid capital position that makes it possible to:</span></div><div style="margin-bottom:10pt;margin-top:10pt;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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:31.56pt">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></ix:continuation><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;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:3.9pt;font-weight:400;line-height:130%;position:relative;top:-2.1pt;vertical-align:baseline">5</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> Multiple Point of Entry established by the Single Resolution Board (SRB). Being an MPE implies that, should any of the group's subsidiaries have solvency, liquidity or operational problems, the resolution authority could liquidate/resolve that entity without affecting the rest of the companies in the banking 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:3.9pt;font-weight:400;line-height:130%;position:relative;top:-2.1pt;vertical-align:baseline">6</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> The resolution group is made up of Banco Bilbao Vizcaya Argentaria, S.A. and the subsidiaries belonging to the same European resolution 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:3.9pt;font-weight:400;line-height:130%;position:relative;top:-2.1pt;vertical-align:baseline">7</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> The subordinated requirement in RWA is 13.50%.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:130%;position:relative;top:-2.1pt;vertical-align:baseline">8</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> Calculated according to current regulations and supervisory criteria as of December 31, 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:3.9pt;font-weight:400;line-height:130%;position:relative;top:-2.1pt;vertical-align:baseline">9</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> The subordinated requirement in LR is 5.78%.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-10285-10"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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, 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 view), when establishing a target capital level, all while adopting a forward-looking vision that takes adverse scenarios into 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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; 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">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 ensure adequate capital management.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-160</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1018"></div><hr style="page-break-after:always"/><div style="min-height: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%">33.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" id="f-10454" continuedAt="f-10454-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Commitments and guarantees given</span></ix:nonNumeric></div><ix:continuation id="f-10454-1" continuedAt="f-10454-2"><ix:nonNumeric contextRef="c-1" name="bbva:CommitmentsAndGuaranteesGivenTableTextBlock" id="f-10455" continuedAt="f-10455-1" 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 off-balance sheet exposures is as follows:</span></div></ix:nonNumeric><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><ix:continuation id="f-10455-1" continuedAt="f-10455-2"><table 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:62.998%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.604%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.300%"/><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%">Commitments and guarantees given (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</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%">2023</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%">2022</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="c-13" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10456">188,515</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="c-20" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10457">152,868</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="c-21" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10458">136,920</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 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="c-4301" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" scale="6" id="f-10459">160</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="c-4302" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" scale="6" id="f-10460">165</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="c-4303" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" scale="6" id="f-10461">177</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 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="c-4304" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" scale="6" id="f-10462">254</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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="c-4305" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:fixed-zero" scale="6" id="f-10463">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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="c-4306" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:fixed-zero" scale="6" id="f-10464">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4307" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10465">3,247</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="c-4308" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10466">3,115</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4309" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10467">3,031</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4310" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10468">13,441</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4311" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10469">15,595</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4312" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10470">15,407</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4313" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10471">8,656</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4314" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10472">7,063</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4315" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10473">5,895</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4316" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10474">82,891</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4317" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10475">71,303</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4318" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10476">68,120</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4319" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10477">80,026</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4320" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10478">55,791</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4321" decimals="-6" name="bbva:MemorandumLoanCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10479">44,467</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="c-13" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-10480">22,503</ix: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="c-20" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-10481">18,839</ix: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="c-21" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-10482">16,511</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 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="c-4301" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10483">192</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="c-4302" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10484">229</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="c-4303" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10485">281</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 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="c-4304" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:fixed-zero" scale="6" id="f-10486">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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="c-4305" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:fixed-zero" scale="6" id="f-10487">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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="c-4306" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:fixed-zero" scale="6" id="f-10488">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4307" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10489">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="c-4308" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10490">74</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4309" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10491">96</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4310" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10492">636</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4311" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10493">978</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4312" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10494">475</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4313" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-10495">2,843</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4314" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-10496">2,177</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4315" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-10497">1,263</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4316" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-10498">18,724</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4317" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-10499">15,460</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4318" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" format="ixt:num-dot-decimal" scale="6" id="f-10500">14,541</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4319" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10501">116</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4320" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10502">150</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4321" decimals="-6" name="bbva:MemorandumFinancialGuaranteesGiven" scale="6" id="f-10503">135</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="c-13" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10504">51,215</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10505">42,577</ix: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="c-21" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10506">39,137</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 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="c-4301" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" scale="6" id="f-10507">439</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="c-4302" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" scale="6" id="f-10508">636</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="c-4303" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" scale="6" id="f-10509">689</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 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="c-4304" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:fixed-zero" scale="6" id="f-10510">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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="c-4305" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:fixed-zero" scale="6" id="f-10511">&#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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4306" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:fixed-zero" scale="6" id="f-10512">&#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%">General governments</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4307" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" scale="6" id="f-10513">354</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4308" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" scale="6" id="f-10514">327</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4309" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" scale="6" id="f-10515">215</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4310" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10516">6,447</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4311" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10517">3,607</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4312" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10518">4,134</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4313" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10519">3,256</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4314" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10520">1,837</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4315" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10521">1,758</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4316" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10522">41,005</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4317" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10523">36,681</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4318" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" format="ixt:num-dot-decimal" scale="6" id="f-10524">32,858</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4319" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" scale="6" id="f-10525">153</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4320" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" scale="6" id="f-10526">125</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-4321" decimals="-6" name="bbva:MemorandumOtherCommitmentsGiven" scale="6" id="f-10527">171</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="c-13" decimals="-6" name="bbva:TotalLoanCommitmentsAndFinancialGuarantees" format="ixt:num-dot-decimal" scale="6" id="f-10528">262,233</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="c-20" decimals="-6" name="bbva:TotalLoanCommitmentsAndFinancialGuarantees" format="ixt:num-dot-decimal" scale="6" id="f-10529">214,283</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="c-21" decimals="-6" name="bbva:TotalLoanCommitmentsAndFinancialGuarantees" format="ixt:num-dot-decimal" scale="6" id="f-10530">192,568</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="fn-114" footnoteRole="http://www.xbrl.org/2003/role/footnote"><ix:continuation id="f-10455-2">(1) Non-performing financial guarantees given amounted to &#8364;631, &#8364;865, and &#8364;970 million, respectively, as of December 31, 2024, 2023 and 2022.</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, 2024 and 2023, the provisions for loan commitments, financial guarantees and other commitments given, recorded in the consolidated balance sheet amounted to &#8364;372, &#8364;140 and &#8364;155; and &#8364;277 million, &#8364;190 million and &#8364;303 million, respectively (see Note 24).</span></div><div style="margin-bottom:10pt;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 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.</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="f-10454-2">In the years 2024, 2023 and 2022, 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="i22a2e436ff7c462c96898906283f922e_1021"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" id="f-10531" continuedAt="f-10531-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Other contingent assets and liabilities</span></ix:nonNumeric></div><ix:continuation id="f-10531-1"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 there were no material contingent assets or liabilities other than those disclosed in the Notes to the consolidated financial statements.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:120%">35.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" id="f-10532" continuedAt="f-10532-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Purchase and sale commitments and future payment obligations</span></ix:nonNumeric></div><ix:continuation id="f-10532-1"><div style="margin-bottom:10pt;margin-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 style="height:42.52pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-161</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1027"></div><hr style="page-break-after:always"/><div style="min-height: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%">36.</span><ix:nonNumeric contextRef="c-1" name="bbva:TransactionsOnBehalfOfThirdPartiesTextBlock" id="f-10533" continuedAt="f-10533-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Transactions on behalf of third parties</span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" id="f-10534" escape="true"><ix:continuation id="f-10533-1"><div style="margin-bottom:10pt;margin-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 style="width:60.071%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.845%"/><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%">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 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%">2024</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%">2023</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%">2022</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="c-13" decimals="-6" name="bbva:FinancialInstrumentsEntrustedByThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10535">496,082</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="c-20" decimals="-6" name="bbva:FinancialInstrumentsEntrustedByThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10536">430,377</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="c-21" decimals="-6" name="bbva:FinancialInstrumentsEntrustedByThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10537">352,139</ix:nonFraction></span></td></tr><tr><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="c-13" decimals="-6" name="bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection" format="ixt:num-dot-decimal" scale="6" id="f-10538">13,460</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection" format="ixt:num-dot-decimal" scale="6" id="f-10539">12,125</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection" format="ixt:num-dot-decimal" scale="6" id="f-10540">11,738</ix:nonFraction></span></td></tr><tr><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="c-13" decimals="-6" name="bbva:SecuritiesLendingOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10541">5,700</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:SecuritiesLendingOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10542">6,397</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:SecuritiesLendingOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10543">3,223</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="c-13" decimals="-6" name="bbva:TotalTransactionsOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10544">515,241</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="c-20" decimals="-6" name="bbva:TotalTransactionsOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10545">448,899</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="c-21" decimals="-6" name="bbva:TotalTransactionsOnBehalfOfThirdParties" format="ixt:num-dot-decimal" scale="6" id="f-10546">367,100</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_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%">37.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfNetInterestIncomeTextBlock" id="f-10547" continuedAt="f-10547-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Net interest income</span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_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%">37.1</span><ix:continuation id="f-10547-1" continuedAt="f-10547-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Interest and other income</span></ix:continuation></div><ix:continuation id="f-10547-2" continuedAt="f-10547-3"><ix:nonNumeric contextRef="c-1" name="bbva:InterestIncomeBreakdownByOriginTableTextBlock" id="f-10548" 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="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:60.071%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.845%"/><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%">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 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%">2024</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%">2023</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></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="c-1" decimals="-6" name="ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10549">5,951</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="c-22" decimals="-6" name="ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10550">4,984</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="c-23" decimals="-6" name="ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10551">2,079</ix:nonFraction></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="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="padding:2px 1pt;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="c-1" decimals="-6" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-10552">2,951</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-10553">3,098</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-10554">3,110</ix:nonFraction></span></td></tr><tr><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 &#8317;&#185;&#8318;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-10555">50,243</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-10556">38,328</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-10557">25,258</ix:nonFraction></span></td></tr><tr><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="c-1" decimals="-6" name="bbva:InterestIncomeForInsuranceActivity" format="ixt:num-dot-decimal" scale="6" id="f-10558">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="c-22" decimals="-6" name="bbva:InterestIncomeForInsuranceActivity" format="ixt:num-dot-decimal" scale="6" id="f-10559">1,052</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:InterestIncomeForInsuranceActivity" format="ixt:num-dot-decimal" scale="6" id="f-10560">1,309</ix:nonFraction></span></td></tr><tr><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="c-1" decimals="-6" name="bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage" scale="6" id="f-10561">702</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage" scale="6" id="f-10562">91</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage" scale="6" id="f-10563">825</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 &#8317;&#178;&#8318;</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="c-1" decimals="-6" name="bbva:InterestIncomeOnOtherIncome" scale="6" id="f-10564">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:InterestIncomeOnOtherIncome" scale="6" id="f-10565">297</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:InterestIncomeOnOtherIncome" scale="6" id="f-10566">501</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="c-1" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-10567">61,659</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-10568">47,850</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-10569">31,432</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-115" 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) Includes interest on demand deposits at central banks and credit institutions.</span></ix:footnote></div><ix:footnote id="fn-116" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Includes, among others, the net interest income accrued from funds obtained through TLTRO III operations, which amounted to &#8364;177 million for the year ended December 31, 2022 (see Note 22.1).</span></div></ix:footnote></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, 2024, 2023 and 2022 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 id="i22a2e436ff7c462c96898906283f922e_1036"></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><ix:continuation id="f-10547-3" continuedAt="f-10547-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Interest expense</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:InterestExpenseBreakdownByOriginTableTextBlock" id="f-10570" escape="true"><ix:continuation id="f-10547-4"><div style="margin-bottom:10pt;margin-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-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:60.071%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.845%"/><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%">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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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="c-1" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10571">5,445</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="c-22" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10572">3,834</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="c-23" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10573">1,140</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="f-10574">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="f-10575">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="c-23" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="f-10576">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: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="c-1" decimals="-6" name="bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-10577">28,379</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-10578">19,164</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-10579">9,985</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage" format="ixt:num-dot-decimal" scale="6" id="f-10580">1,097</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage" scale="6" id="f-10581">809</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage" scale="6" id="f-10582">232</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="c-1" decimals="-6" name="bbva:InterestExpenseForInsuranceActivity" format="ixt:num-dot-decimal" scale="6" id="f-10583">1,016</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:InterestExpenseForInsuranceActivity" scale="6" id="f-10584">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="c-23" decimals="-6" name="bbva:InterestExpenseForInsuranceActivity" scale="6" id="f-10585">948</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="c-1" decimals="-6" name="bbva:InterestExpenseOnChargeableCostToPensionFunds" scale="6" id="f-10586">173</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:InterestExpenseOnChargeableCostToPensionFunds" scale="6" id="f-10587">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="c-23" decimals="-6" name="bbva:InterestExpenseOnChargeableCostToPensionFunds" scale="6" id="f-10588">76</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="c-1" decimals="-6" name="bbva:OtherInterestExpense" scale="6" id="f-10589">114</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OtherInterestExpense" scale="6" id="f-10590">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OtherInterestExpense" scale="6" id="f-10591">333</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="c-1" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-10592">36,392</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-10593">24,761</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="c-23" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-10594">12,309</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-117" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_1039"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfDividendIncomeTextBlock" id="f-10595" continuedAt="f-10595-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Dividend income</span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:DividendIncomeBreakdownByHeadlineTableTextBlock" id="f-10596" escape="true"><ix:continuation id="f-10595-1"><div style="margin-bottom:10pt;margin-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 shown in the breakdown below:</span></div><div style="margin-bottom:6pt;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:60.071%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.845%"/><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%">Dividend income (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%">2024</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%">2023</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></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="c-4322" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10597">10</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="c-4323" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10598">11</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="c-4324" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10599">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 &#8317;&#185;&#8318;</span></td><td colspan="3" style="background-color:#ffffff;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="c-4325" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10600">109</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="c-4326" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10601">107</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="c-4327" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10602">108</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="c-1" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10603">120</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="c-22" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10604">118</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="c-23" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10605">123</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-118" 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) Dividend income corresponds mainly to investments held at the end of the year.</span></ix:footnote></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-162</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1042"></div><hr style="page-break-after:always"/><div style="min-height: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%">39.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" id="f-10606" continuedAt="f-10606-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Share of profit or loss of entities accounted for using the equity method</span></ix:nonNumeric></div><ix:continuation id="f-10606-1"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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="c-1" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-10607">40</ix:nonFraction> million for the year ended December 31, 2024, compared with the positive impact of &#8364;<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-10608">26</ix:nonFraction> million and the positive impact of &#8364;<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-10609">21</ix:nonFraction> million recorded for the years ended December 31, 2023 and 2022, respectively.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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:130%">40.</span><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" id="f-10610" continuedAt="f-10610-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Fee and commission income and expense</span></ix:nonNumeric></div><ix:continuation id="f-10610-1" continuedAt="f-10610-2"><ix:nonNumeric contextRef="c-1" name="bbva:FeeAndCommissionIncomeTableTextBlock" id="f-10611" 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-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:67.467%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.377%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.377%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.379%"/><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%">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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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="c-1" decimals="-6" name="bbva:BillsReceivables" scale="6" id="f-10612">21</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="c-22" decimals="-6" name="bbva:BillsReceivables" scale="6" id="f-10613">24</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="c-23" decimals="-6" name="bbva:BillsReceivables" scale="6" id="f-10614">26</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="c-1" decimals="-6" name="bbva:DemandAccount" scale="6" id="f-10615">300</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:DemandAccount" scale="6" id="f-10616">300</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:DemandAccount" scale="6" id="f-10617">424</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%">Credit and debit cards and POS &#8317;&#178;&#8318;</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:CreditAndDebitCards" format="ixt:num-dot-decimal" scale="6" id="f-10618">7,106</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:CreditAndDebitCards" format="ixt:num-dot-decimal" scale="6" id="f-10619">4,665</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:CreditAndDebitCards" format="ixt:num-dot-decimal" scale="6" id="f-10620">3,499</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="c-1" decimals="-6" name="bbva:Checks" scale="6" id="f-10621">166</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:Checks" scale="6" id="f-10622">175</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:Checks" scale="6" id="f-10623">162</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="c-1" decimals="-6" name="bbva:TransfersAndOtherPaymentOrders" scale="6" id="f-10624">961</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:TransfersAndOtherPaymentOrders" scale="6" id="f-10625">862</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:TransfersAndOtherPaymentOrders" scale="6" id="f-10626">812</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="c-1" decimals="-6" name="bbva:InsuranceProductCommissions" scale="6" id="f-10627">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="c-22" decimals="-6" name="bbva:InsuranceProductCommissions" scale="6" id="f-10628">384</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:InsuranceProductCommissions" scale="6" id="f-10629">261</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="c-1" decimals="-6" name="bbva:LoanCommitmentsGivenFeeAndCommissionIncome" scale="6" id="f-10630">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:LoanCommitmentsGivenFeeAndCommissionIncome" scale="6" id="f-10631">307</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:LoanCommitmentsGivenFeeAndCommissionIncome" scale="6" id="f-10632">259</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="c-1" decimals="-6" name="bbva:OtherCommitmentsAndFinancialGuaranteesGiven" scale="6" id="f-10633">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OtherCommitmentsAndFinancialGuaranteesGiven" scale="6" id="f-10634">471</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OtherCommitmentsAndFinancialGuaranteesGiven" scale="6" id="f-10635">420</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="c-1" decimals="-6" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" format="ixt:num-dot-decimal" scale="6" id="f-10636">1,685</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" format="ixt:num-dot-decimal" scale="6" id="f-10637">1,407</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" format="ixt:num-dot-decimal" scale="6" id="f-10638">1,228</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="c-1" decimals="-6" name="ifrs-full:BrokerageFeeIncome" scale="6" id="f-10639">360</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:BrokerageFeeIncome" scale="6" id="f-10640">345</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:BrokerageFeeIncome" scale="6" id="f-10641">266</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="c-1" decimals="-6" name="bbva:CustodySecuritiesIncome" scale="6" id="f-10642">221</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:CustodySecuritiesIncome" scale="6" id="f-10643">207</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:CustodySecuritiesIncome" scale="6" id="f-10644">193</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="c-1" decimals="-6" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="f-10645">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="c-22" decimals="-6" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="f-10646">751</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="f-10647">711</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="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-10648">13,036</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-10649">9,899</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-10650">8,260</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-119" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><ix:footnote id="fn-120" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Points of Sale.</span></div></ix:footnote></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:FeesAndCommissionExpenseTableTextBlock" id="f-10651" continuedAt="f-10651-1" 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 this heading 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:99.585%"><tr><td style="width:1.0%"/><td style="width:68.297%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.103%"/><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%">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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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="c-1" decimals="-6" name="bbva:DemandAccounts" scale="6" id="f-10652">7</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="c-22" decimals="-6" name="bbva:DemandAccounts" scale="6" id="f-10653">6</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="c-23" decimals="-6" name="bbva:DemandAccounts" scale="6" id="f-10654">5</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%">Credit and debit cards and POS &#8317;&#178;&#8318;</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="c-1" decimals="-6" name="bbva:CreditAndDebitCardsExpenses" format="ixt:num-dot-decimal" scale="6" id="f-10655">3,534</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:CreditAndDebitCardsExpenses" format="ixt:num-dot-decimal" scale="6" id="f-10656">2,337</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:CreditAndDebitCardsExpenses" format="ixt:num-dot-decimal" scale="6" id="f-10657">1,884</ix:nonFraction></span></td></tr><tr><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="c-1" decimals="-6" name="bbva:TransfersAndOtherPaymentOrdersExpenses" scale="6" id="f-10658">153</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:TransfersAndOtherPaymentOrdersExpenses" scale="6" id="f-10659">156</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:TransfersAndOtherPaymentOrdersExpenses" scale="6" id="f-10660">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%">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="c-1" decimals="-6" name="bbva:CommissionsForSellingInsurance" scale="6" id="f-10661">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:CommissionsForSellingInsurance" scale="6" id="f-10662">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="c-23" decimals="-6" name="bbva:CommissionsForSellingInsurance" scale="6" id="f-10663">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="c-1" decimals="-6" name="bbva:CustodySecurities" scale="6" id="f-10664">101</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:CustodySecurities" scale="6" id="f-10665">111</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:CustodySecurities" scale="6" id="f-10666">92</ix:nonFraction></span></td></tr><tr><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="c-1" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-10667">1,206</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" scale="6" id="f-10668">961</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" scale="6" id="f-10669">721</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="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-10670">5,048</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-10671">3,611</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-10672">2,888</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-121" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:nonNumeric></ix:continuation><ix:footnote id="fn-122" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><ix:continuation id="f-10651-1"><ix:continuation id="f-10610-2">(2) Points of Sale</ix:continuation></ix:continuation>.</span></div></ix:footnote><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-163</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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:130%">41.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock" id="f-10673" continuedAt="f-10673-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net</span></ix:nonNumeric></div><ix:continuation id="f-10673-1" continuedAt="f-10673-2"><ix:nonNumeric contextRef="c-1" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" id="f-10674" 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 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 style="width:67.929%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.225%"/><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%">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 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%">2024</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%">2023</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></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="c-1" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="f-10675">327</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="c-22" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="f-10676">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="c-23" decimals="-6" name="bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" scale="6" id="f-10677">64</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="c-1" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" scale="6" id="f-10678">20</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="c-22" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" scale="6" id="f-10679">41</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="c-23" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" scale="6" id="f-10680">8</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="c-1" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" scale="6" id="f-10681">307</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="c-22" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" scale="6" id="f-10682">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" scale="6" id="f-10683">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) 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="c-1" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" format="ixt:num-dot-decimal" scale="6" id="f-10684">2,458</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="c-22" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" format="ixt:num-dot-decimal" scale="6" id="f-10685">1,352</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" scale="6" id="f-10686">562</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="c-1" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-10687">&#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="c-22" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-10688">&#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="c-23" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-10689">&#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="c-1" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-10690">&#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="c-22" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-10691">&#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="c-23" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-10692">&#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="c-1" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10693">2,458</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10694">1,352</ix:nonFraction></span></td><td colspan="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="c-23" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToHeldForTrading" scale="6" id="f-10695">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%">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="c-1" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-10696">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="c-22" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-10697">337</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-10698">67</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="c-1" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10699">&#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="c-22" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10700">&#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="c-23" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10701">&#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="c-1" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10702">&#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="c-22" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10703">&#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="c-23" decimals="-6" name="bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10704">&#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="c-1" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-10705">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-10706">337</ix:nonFraction></span></td><td colspan="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="c-23" decimals="-6" sign="-" name="bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" scale="6" id="f-10707">67</ix:nonFraction>)</span></td></tr><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="c-1" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" scale="6" id="f-10708">249</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" scale="6" id="f-10709">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="c-23" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" scale="6" id="f-10710">150</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10711">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="c-22" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10712">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10713">45</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 and hedge accounting</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" format="ixt:num-dot-decimal" scale="6" id="f-10714">3,218</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" format="ixt:num-dot-decimal" scale="6" id="f-10715">1,844</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="c-23" decimals="-6" name="bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" scale="6" id="f-10716">663</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-10717">695</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-10718">339</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-10719">1,275</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="c-1" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" format="ixt:num-dot-decimal" scale="6" id="f-10720">3,913</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="c-22" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" format="ixt:num-dot-decimal" scale="6" id="f-10721">2,183</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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" format="ixt:num-dot-decimal" scale="6" id="f-10722">1,938</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" id="f-10723" 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 consolidated income statements by the nature of the financial 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:99.585%"><tr><td style="width:1.0%"/><td style="width:68.297%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.103%"/><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%">Gains (losses) on financial assets and liabilities and hedge accounting. </span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Breakdown by nature of the financial instrument (Millions of Euros)</span></div></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%">2024</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%">2023</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></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="c-4328" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10724">841</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="c-4329" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10725">799</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="c-4330" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10726">2,266</ix:nonFraction>)</span></td></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="c-4331" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10727">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4332" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10728">669</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4333" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10729">1,099</ix:nonFraction>)</span></td></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="c-4334" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10730">181</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4335" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10731">812</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4336" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10732">1,361</ix:nonFraction></span></td></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="c-4337" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10733">236</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4338" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10734">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="c-4339" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10735">241</ix:nonFraction>)</span></td></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="c-4340" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10736">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4341" decimals="-6" sign="-" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10737">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4342" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10738">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: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="c-4343" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10739">1,488</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="c-4344" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10740">1,118</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4345" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10741">2,635</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="c-1" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10742">3,218</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10743">1,844</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:GainsLossesOnFinancialAssetsAndLiabilities" scale="6" id="f-10744">663</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:nonNumeric contextRef="c-1" name="bbva:DerivativesHedgeAccountingTableTextBlock" id="f-10745" escape="true"><ix:continuation id="f-10673-2"><div style="margin-bottom:10pt;margin-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 style="width:67.929%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.225%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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 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 #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="c-4346" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10746">21</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="c-4347" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10747">427</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="c-4348" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10748">522</ix:nonFraction></span></td></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="c-4349" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10749">236</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4350" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10750">402</ix:nonFraction>)</span></td><td colspan="3" 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="c-4351" decimals="-6" name="bbva:DerivativesHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-10751">1,653</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%">Credit derivative agreements</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="c-4352" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10752">123</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="c-4353" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10753">56</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="c-4354" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10754">16</ix:nonFraction></span></td></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="c-4355" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10755">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4356" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10756">431</ix:nonFraction>)</span></td><td colspan="3" 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="c-4357" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10757">658</ix:nonFraction>)</span></td></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 and 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="c-4358" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10758">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4359" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10759">332</ix:nonFraction>)</span></td><td colspan="3" 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="c-4360" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10760">127</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="c-4361" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10761">176</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="c-4362" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10762">795</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="c-4363" decimals="-6" name="bbva:DerivativesHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-10763">1,406</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="border-left:1pt solid #FFFFFF;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="border-left:1pt solid #FFFFFF;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"/></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 #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="c-4364" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10764">8</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="c-4365" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10765">10</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="c-4366" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10766">51</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="c-4367" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10767">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10768">114</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-4369" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10769">229</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="c-4370" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10770">520</ix:nonFraction></span></td><td colspan="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="c-4371" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10771">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4372" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10772">178</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="c-4373" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10773">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="c-4374" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10774">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="c-4375" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10775">6</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="c-4376" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10776">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="c-4377" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10777">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:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4378" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10778">45</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="c-13" decimals="-6" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10779">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="c-20" decimals="-6" sign="-" name="bbva:DerivativesHedgeAccounting" scale="6" id="f-10780">812</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="c-21" decimals="-6" name="bbva:DerivativesHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-10781">1,361</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_1051"></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span><br/></span></div><div id="i22a2e436ff7c462c96898906283f922e_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%">42.</span><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory" id="f-10782" continuedAt="f-10782-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Other operating income and expense </span></ix:nonNumeric></div><ix:continuation id="f-10782-1"><ix:nonNumeric contextRef="c-1" name="bbva:OtherOperatingIncomeTableTextBlock" id="f-10783" 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 style="width:67.929%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.225%"/><td style="width:0.1%"/></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"/></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%">2024</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%">2023</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></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="c-1" decimals="-6" name="bbva:FinancialIncomeFromNonFinancialServices" scale="6" id="f-10784">354</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="c-22" decimals="-6" name="bbva:FinancialIncomeFromNonFinancialServices" scale="6" id="f-10785">347</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="c-23" decimals="-6" name="bbva:FinancialIncomeFromNonFinancialServices" scale="6" id="f-10786">284</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="f-10787">269</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="f-10788">272</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="f-10789">244</ix:nonFraction></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="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="c-1" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="f-10790">623</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="c-22" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="f-10791">619</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="c-23" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="f-10792">528</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:OtherOperatingExpenseTableTextBlock" id="f-10793" 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;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:67.929%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.225%"/><td style="width:0.1%"/></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"/></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;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%">2024</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%">2023</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></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="c-1" decimals="-6" name="bbva:ChangeInInventories" scale="6" id="f-10794">165</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="c-22" decimals="-6" name="bbva:ChangeInInventories" scale="6" id="f-10795">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="c-23" decimals="-6" name="bbva:ChangeInInventories" scale="6" id="f-10796">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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contributions to guaranteed banks deposits funds &#8317;&#185;&#8318;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:ContributionToGuaranteedBanksDepositsFunds" scale="6" id="f-10797">636</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ContributionToGuaranteedBanksDepositsFunds" format="ixt:num-dot-decimal" scale="6" id="f-10798">1,017</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ContributionToGuaranteedBanksDepositsFunds" scale="6" id="f-10799">997</ix:nonFraction></span></td></tr><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 &#8317;&#178;&#8318;</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="c-1" decimals="-6" name="bbva:HiperinflationAdjustmentsOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10800">1,775</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:HiperinflationAdjustmentsOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10801">2,007</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:HiperinflationAdjustmentsOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10802">1,687</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:8pt;font-weight:400;line-height:120%">Other operating expense &#8317;&#179;&#8318;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:OtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10803">1,374</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:OtherOperatingExpense" scale="6" id="f-10804">867</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:OtherOperatingExpense" scale="6" id="f-10805">620</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="c-1" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10806">3,951</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10807">4,042</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="c-23" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10808">3,438</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-123" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In 2024, no contributions were made to the European Single Resolution Fund (SRF) since the constitution phase of the fund has been completed. Likewise, the Deposits Guarantee Fund of Credit Institutions in Spain reached in 2023 the minimum coverage level established by the European Regulation with respect to covered deposits, so that no additional contribution was necessary for this purpose during 2024, although prior contributions are maintained.</span></div></ix:footnote><ix:footnote id="fn-124" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) For the year ended December 31, 2024 it includes &#8364;1,419 million related to Argentina and &#8364;348 million related to Turkey. For the year ended December 31, 2023 it included &#8364;1,062 million related to Argentina and &#8364;916 million related to Turkey. For the year ended December 31, 2022, it included &#8364;822 million related to Argentina and &#8364;832 million related to Turkey (see Note 2.2.18).</span></div></ix:footnote><ix:footnote id="fn-125" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) For the year ended December 2024 and 2023, it includes &#8364;285 and &#8364;215 million, respectively, corresponding to the total annual amount disbursed under the temporary tax on credit institutions and financial credit establishments, according to Law 38/2022 of December 27, 2022 (see Note 19.6). The change compared to 2023 is mainly as a result of higher taxes in various geographies due to increased activity.</span></div></ix:footnote></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-165</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1057"></div><hr style="page-break-after:always"/><div style="min-height: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%">43.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" id="f-10809" continuedAt="f-10809-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Income and expense from insurance and reinsurance contracts</span></ix:nonNumeric></div><ix:continuation id="f-10809-1"><ix:nonNumeric contextRef="c-1" name="bbva:InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" id="f-10810" 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 balances of the headings &#8220;Income and expense from insurance and reinsurance contracts&#8221; in the consolidated income statements stem from the insurance activity and include the following:</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:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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"><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%">Income from insurance and reinsurance contracts &#8317;&#178;&#8318; </span></div></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="c-1" decimals="-6" name="bbva:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-10811">3,720</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="c-22" decimals="-6" name="bbva:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-10812">3,081</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="c-23" decimals="-6" name="bbva:IncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-10813">2,622</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: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="c-1" decimals="-6" name="bbva:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-10814">2,238</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-10815">1,821</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ExpenseArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-10816">1,547</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="c-1" decimals="-6" name="bbva:NetIncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-10817">1,482</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="c-22" decimals="-6" name="bbva:NetIncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-10818">1,261</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="c-23" decimals="-6" name="bbva:NetIncomeArisingFromInsuranceContracts" format="ixt:num-dot-decimal" scale="6" id="f-10819">1,075</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-126" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote><ix:footnote id="fn-127" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></div></ix:footnote></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:IncomeByTypeOfInsuranceProductTableTextBlock" id="f-10820" 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 table below shows the contribution of each insurance product to the Group&#180;s income for the years ended December 31, 2024, 2023 and 2022:</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 style="width:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><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%">Net income by type of product (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></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 1.18pt 2px 1pt;text-align:right;text-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 1.18pt 2px 1pt;text-align:right;text-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: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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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="c-4379" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10821">752</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="c-4380" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10822">617</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="c-4381" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10823">649</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="c-4382" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10824">656</ix: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="c-4383" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10825">590</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="c-4384" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10826">573</ix:nonFraction></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="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 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="c-4385" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10827">96</ix: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="c-4386" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10828">27</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="c-4387" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10829">76</ix:nonFraction></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="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%">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="c-4388" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10830">730</ix: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="c-4389" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10831">643</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="c-4390" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10832">426</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="c-4391" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" format="ixt:fixed-zero" scale="6" id="f-10833">&#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="c-4392" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" format="ixt:fixed-zero" scale="6" id="f-10834">&#8212;</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="c-4393" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" format="ixt:fixed-zero" scale="6" id="f-10835">&#8212;</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="c-4394" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10836">730</ix: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="c-4395" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10837">643</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="c-4396" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" scale="6" id="f-10838">426</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="c-1" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" format="ixt:num-dot-decimal" scale="6" id="f-10839">1,482</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="c-22" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" format="ixt:num-dot-decimal" scale="6" id="f-10840">1,261</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="c-23" decimals="-6" name="bbva:IncomeByTypeOfInsuranceProducts" format="ixt:num-dot-decimal" scale="6" id="f-10841">1,075</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-128" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:nonNumeric></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_1060"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfAdministrationCostsTextBlock" id="f-10842" continuedAt="f-10842-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Administration costs</span></ix:nonNumeric></div><div id="i22a2e436ff7c462c96898906283f922e_1063"></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><ix:continuation id="f-10842-1" continuedAt="f-10842-2"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Personnel expense</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:PersonnelExpensesBreakdownTableTextBlock" id="f-10843" escape="true"><ix:continuation id="f-10842-2" continuedAt="f-10842-3"><div style="margin-bottom:10pt;margin-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-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:49.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.229%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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 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="c-1" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="f-10844">5,937</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="c-22" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="f-10845">5,068</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="c-23" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="f-10846">4,310</ix:nonFraction></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"/></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"/></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:SocialSecurityContributions" format="ixt:num-dot-decimal" scale="6" id="f-10847">1,007</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:SocialSecurityContributions" scale="6" id="f-10848">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="c-23" decimals="-6" name="ifrs-full:SocialSecurityContributions" scale="6" id="f-10849">708</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-10850">158</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-10851">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="c-23" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-10852">87</ix:nonFraction></span></td></tr><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="c-1" decimals="-6" name="bbva:DefinedBenefitPlanExpense" scale="6" id="f-10853">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="c-22" decimals="-6" name="bbva:DefinedBenefitPlanExpense" scale="6" id="f-10854">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="c-23" decimals="-6" name="bbva:DefinedBenefitPlanExpense" scale="6" id="f-10855">42</ix:nonFraction></span></td></tr><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherEmployeeExpense" scale="6" id="f-10856">506</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:OtherEmployeeExpense" scale="6" id="f-10857">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="c-23" decimals="-6" name="ifrs-full:OtherEmployeeExpense" scale="6" id="f-10858">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:0 1pt"/><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="c-1" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-10859">7,659</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="c-22" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-10860">6,530</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="c-23" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-10861">5,601</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-129" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:footnote></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_1066"></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><ix:continuation id="f-10842-3" continuedAt="f-10842-4"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"> Share-based employee remuneration</span></ix:continuation></div><ix:continuation id="f-10842-4" continuedAt="f-10842-5"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022, corresponding to the remuneration plans based on equity instruments in each year, amounted to &#8364;23 million, &#8364;</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">24</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> million and &#8364;32 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%">Thus, according to the applicable remuneration policies, the variable remuneration for the Identified Staff members is subject, principally, to the following rules:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 Variable Remuneration for Identified Staff members for each financial year will not accrue or will be reduced upon accrual, if certain profit and capital ratio levels are not achieved. </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-10842-5" continuedAt="f-10842-6"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 maximum of 40% of the Annual Variable Remuneration for those members of the Identified Staff who receive particularly high amounts of variable remuneration and members of BBVA&#8217;s Senior Management and 60% for the rest of the Identified Staff (the &#8220;Upfront Portion&#8221; of the Annual Variable Remuneration) shall vest and be paid, provided the relevant conditions for payment are met, as a general rule, in the first quarter of the following financial year to which the Annual Variable Remuneration corresponds.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 remaining amount, and at least 60% of the Annual Variable Remuneration for those members of the Identified Staff who receive particularly high amounts of variable remuneration and members of BBVA&#8217;s Senior Management, and 40% for the rest of the Identified Staff, will be deferred over a period of 4 years (the &#8220;Deferred Portion&#8221; of the Annual Variable Remuneration). However, for members of BBVA&#8217;s Senior Management the deferral period shall be 5 years. In both cases, the Deferred Portion will be paid, provided the relevant conditions are met, once each of the years of deferral has elapsed. In no event will this Deferred Portion be paid faster than in a proportionate way.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 Upfront Portion and the Deferred Portion of the Annual Variable Remuneration of each member of the Identified Staff will be paid 50% in cash and 50% in BBVA shares or in instruments linked to BBVA shares. For members of BBVA&#8217;s Senior Management, the Deferred Portion will be paid 40% in cash and 60% in BBVA shares and/or in instruments linked to 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">Shares or instruments received as Annual Variable Remuneration shall be withheld for one year running from the date of delivery. The foregoing shall not apply to those shares that are sold, where appropriate, in order to meet the payment of tax obligations accruing on the delivery of the shares and/or 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 Deferred Portion of the Annual Variable Remuneration may undergo certain ex post risk adjustments, meaning that it will not vest, or may be reduced, if certain capital and liquidity thresholds are 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">Up to 100% of the Annual Variable Remuneration of each member of the Identified Staff corresponding to each financial year, both in cash and in shares or instruments, will be subject to arrangements for the reduction of variable remuneration (malus) and arrangements for the recovery of variable remuneration already paid (clawback), which will remain in effect during the applicable deferral and retention period, and 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">The cash amounts of the Deferred Portion of the Annual Variable Remuneration that ultimately vest will be updated by applying the consumer price index (hereinafter "CPI") measured as the year-on-year change in prices, or any other criteria established for that purpose 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">Identified Staff members may not use personal hedging strategies or insurance in connection with the Annual Variable Remuneration and the responsibility 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">If the members of the Identified Staff are entitled to receive any variable remuneration other than the Annual Variable Remuneration but which qualifies as variable remuneration, such variable remuneration shall be subject to the rules regarding accrual, award, vesting and payment in accordance with the type and nature of the remuneration component 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 variable remuneration of the Identified Staff for a financial year (understood as the sum of all variable remuneration) shall be limited to a maximum amount of 100% of the fixed component (understood as the sum of all fixed remuneration) of the total remuneration, unless the BBVA 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: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 15, 2024 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 6, 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%">In 2024, 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 March 29, 2023, 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 March 17, 2023, that is 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 delivery of shares in 2024 to the members of the Identified Staff is derived from the settlement of the Annual Variable Remuneration for 2023 and deferred variable remuneration from previous years, which are subject to the vesting and payment rules established in the remuneration policies applicable in the year to which they correspond.</span></div><div style="margin-bottom:10pt;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 remuneration policy applicable in 2023, during 2024 a total amount of 2,627,541 BBVA shares or instruments linked to BBVA shares, corresponding, mostly, to the Upfront Portion of 2023 Annual Variable Remuneration and to other variable components of remuneration, 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%">In addition, according to the remuneration policy applicable in 2018, during 2024 a total amount of 147,871 BBVA shares, corresponding to the third and last payment of the Deferred Portion of 2018 Annual Variable Remuneration of the Chair and other members of BBVA's Senior Management, were delivered.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-10842-6" continuedAt="f-10842-7"><div style="margin-bottom:10pt;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 2019, during 2024 a total amount of 220,803 BBVA shares, corresponding mostly to the second payment of the Deferred Portion of 2019 Annual Variable Remuneration of executive directors and other members of BBVA's Senior Management, as well as to other variable components of remuneration, 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%">Likewise, according to the remuneration policy applicable in 2020, during 2024 a total amount of 2,244,441 BBVA shares were delivered, corresponding, mainly, to the entire payment of the Deferred Portion of 2020 Annual Variable Remuneration of certain members of the Identified Staff as well as to other variable components of remuneration. In 2020, the executive directors and other members of BBVA's Senior Management, as a gesture of responsibility and commitment in response to the exceptional circumstances arising from the COVID-19 crisis, waived their entire 2020 Annual Variable 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%">In accordance with the remuneration policy applicable in 2021, during 2024 a total of 740,382 BBVA shares were delivered, the majority corresponding to the second payment of the Deferred Portion of 2021 Annual Variable Remuneration of the Identified Staff, which includes executive directors and other members of BBVA's Senior Management, as well as to other variable components of 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%">Lastly, according to the remuneration policy applicable in 2022, during 2024 a total amount of 728,081 BBVA shares were delivered, corresponding, mainly, to the first payment of the Deferred Portion of 2022 Annual Variable Remuneration of the Identified Staff, among which executive directors and the rest of the members of BBVA's Senior Management are included, as well as to other variable components of 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%">Detailed information on the delivery of shares to executive directors and the rest of the members of BBVA's Senior Management who held this position as of December 31, 2024, 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 Brazil and Portugal, BBVA Brazil Banco de Investimento and BBVA IFIC 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-year 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 Brazil Banco de Investimento, both the cash amounts and share amounts of the deferred portion may be subject to update adjustments which are payable in cash.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 the deferred portion of the annual variable remuneration may be reduced, but never increased, depending on the result of multi-year performance indicators. The cash amounts of the deferred portion that are finally paid will be subject to updating by applying the CPI measured as a year-on-year change in prices.</span></div><div style="margin-bottom:10pt;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 2024 a total of 6,581 BBVA shares corresponding to the upfront portion of 2023 annual variable remuneration were delivered to the staff of BBVA Brazil Banco de Investimento.</span></div><div style="margin-bottom:10pt;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 2024 a total of 1,832 BBVA shares corresponding to the first third of the deferred portion of 2022 annual variable remuneration were delivered as well as a total of &#8364;856 as adjustments for updates, a total of 1,624 BBVA shares corresponding to the second third of the deferred portion of 2021 annual variable remuneration and &#8364;1,324 as adjustments for updates, and a total of 1,368 BBVA shares corresponding to the last third of the deferred portion of 2020 annual variable remuneration and &#8364;1,305 as adjustments for updates. </span></div><div style="margin-bottom:10pt;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 BBVA IFIC group, it should be noted that the exception provided for in the remuneration policy for said year corresponding to payment in shares has been applied to the annual variable remuneration for the year 2023 of some members of this group, in line with the provisions of the regulations in force. For this reason in 2024 just 1,951 BBVA shares have been delivered to BBVA IFIC identified members corresponding to 2023 variable 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%">Additionally, during 2024 a total of 3,218 BBVA shares corresponding to the second third of the deferred portion of 2021 annual variable remuneration and a total of 2,149 BBVA shares corresponding to the last third of the deferred portion of 2020 annual variable remuneration were delivered to this group.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_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%">44.2</span><ix:continuation id="f-10842-7" continuedAt="f-10842-8"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other administrative expense</span></ix:continuation></div><ix:nonNumeric contextRef="c-1" name="bbva:AdministrativeExpensesTableTextBlock" id="f-10862" continuedAt="f-10862-1" escape="true"><ix:continuation id="f-10842-8" continuedAt="f-10842-9"><div style="margin-bottom:10pt;margin-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-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:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><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%">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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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="c-1" decimals="-6" name="bbva:TechnologyAndSystems" format="ixt:num-dot-decimal" scale="6" id="f-10863">1,732</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="c-22" decimals="-6" name="bbva:TechnologyAndSystems" format="ixt:num-dot-decimal" scale="6" id="f-10864">1,512</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="c-23" decimals="-6" name="bbva:TechnologyAndSystems" format="ixt:num-dot-decimal" scale="6" id="f-10865">1,391</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="c-1" decimals="-6" name="ifrs-full:CommunicationExpense" scale="6" id="f-10866">261</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:CommunicationExpense" scale="6" id="f-10867">219</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:CommunicationExpense" scale="6" id="f-10868">195</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="c-1" decimals="-6" name="ifrs-full:AdvertisingExpense" scale="6" id="f-10869">441</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:AdvertisingExpense" scale="6" id="f-10870">349</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdvertisingExpense" scale="6" id="f-10871">266</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="c-1" decimals="-6" name="bbva:PropertyFixturesAndMaterialsExpense" scale="6" id="f-10872">577</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:PropertyFixturesAndMaterialsExpense" scale="6" id="f-10873">520</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:PropertyFixturesAndMaterialsExpense" scale="6" id="f-10874">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%">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="c-1" decimals="-6" name="bbva:TaxesOtherThanIncomeTax" scale="6" id="f-10875">481</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:TaxesOtherThanIncomeTax" scale="6" id="f-10876">451</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:TaxesOtherThanIncomeTax" scale="6" id="f-10877">370</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="c-1" decimals="-6" name="bbva:SurveillanceAndSecurityServiceExpense" scale="6" id="f-10878">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:SurveillanceAndSecurityServiceExpense" scale="6" id="f-10879">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:SurveillanceAndSecurityServiceExpense" scale="6" id="f-10880">214</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="c-1" decimals="-6" name="ifrs-full:OtherExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-10881">1,253</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:OtherExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-10882">1,090</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherExpenseByNature" scale="6" id="f-10883">897</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="c-1" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="f-10884">5,001</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="c-22" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="f-10885">4,375</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherExpenseByFunction" format="ixt:num-dot-decimal" scale="6" id="f-10886">3,773</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:footnote id="fn-130" footnoteRole="http://www.xbrl.org/2003/role/footnote"><ix:continuation id="f-10862-1"><ix:continuation id="f-10842-9"><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></ix:continuation></ix:continuation></ix:footnote><div id="i22a2e436ff7c462c96898906283f922e_1072"></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><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory" id="f-10887" continuedAt="f-10887-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Depreciation and amortization </span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:DepreciationAndAmortisationExpenseTableTextBlock" id="f-10888" escape="true"><ix:continuation id="f-10887-1"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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 style="width:49.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.229%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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="c-4397" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10889">972</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="c-4398" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10890">867</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="c-4399" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10891">818</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 colspan="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="c-4400" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10892">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4401" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10893">547</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="c-4402" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10894">501</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 colspan="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="c-4403" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10895">343</ix: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="c-4404" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10896">317</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="c-4405" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10897">312</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 colspan="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="c-4406" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10898">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="c-4407" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10899">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="c-4408" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10900">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%">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="c-4409" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10901">561</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4410" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10902">536</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4411" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="f-10903">510</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 colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-10904">1,533</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-10905">1,403</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-10906">1,328</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_1075"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" id="f-10907" continuedAt="f-10907-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Provisions or reversal of provisions</span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:ProvisionsOrReversalOfProvisionsTableTextBlock" id="f-10908" escape="true"><ix:continuation id="f-10907-1"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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 style="width:49.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.229%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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="c-13" decimals="-6" name="bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" scale="6" id="f-10909">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" scale="6" id="f-10910">31</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="c-21" decimals="-6" sign="-" name="bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" scale="6" id="f-10911">89</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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" sign="-" name="bbva:CommitmentsAndGuaranteesGiven" scale="6" id="f-10912">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="c-20" decimals="-6" name="bbva:CommitmentsAndGuaranteesGiven" scale="6" id="f-10913">76</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:CommitmentsAndGuaranteesGiven" scale="6" id="f-10914">87</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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:PendingLegalIssuesAndTaxLitigation" scale="6" id="f-10915">191</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:PendingLegalIssuesAndTaxLitigation" scale="6" id="f-10916">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="c-21" decimals="-6" name="bbva:PendingLegalIssuesAndTaxLitigation" scale="6" id="f-10917">210</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></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="bbva:OtherProvisionsOrReversalOfProvisions" scale="6" id="f-10918">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:OtherProvisionsOrReversalOfProvisions" scale="6" id="f-10919">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="bbva:OtherProvisionsOrReversalOfProvisions" scale="6" id="f-10920">84</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 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="c-13" decimals="-6" name="bbva:ProvisionsOrReversalOfProvisions" scale="6" id="f-10921">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:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:ProvisionsOrReversalOfProvisions" scale="6" id="f-10922">373</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="c-21" decimals="-6" name="bbva:ProvisionsOrReversalOfProvisions" scale="6" id="f-10923">291</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div id="i22a2e436ff7c462c96898906283f922e_1078"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" id="f-10924" continuedAt="f-10924-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" id="f-10925" escape="true"><ix:continuation id="f-10924-1"><div style="margin-bottom:10pt;margin-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:99.893%"><tr><td style="width:1.0%"/><td style="width:49.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.229%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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 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="c-1" decimals="-6" name="bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-10926">58</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="c-22" decimals="-6" name="bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-10927">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="c-23" decimals="-6" name="bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-10928">76</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></div></td><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-10929">5,687</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="c-22" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-10930">4,386</ix:nonFraction></span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-10931">3,303</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="c-1" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="f-10932">403</ix:nonFraction>)</span></td><td colspan="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="c-22" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="f-10933">369</ix:nonFraction>)</span></td><td colspan="3" style="border-left:1pt 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="c-23" decimals="-6" sign="-" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" scale="6" id="f-10934">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:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" format="ixt:num-dot-decimal" scale="6" id="f-10935">5,745</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" format="ixt:num-dot-decimal" scale="6" id="f-10936">4,428</ix:nonFraction></span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" format="ixt:num-dot-decimal" scale="6" id="f-10937">3,379</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_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:120%">48.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock" id="f-10938" continuedAt="f-10938-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Impairment or reversal of impairment of investments in joint ventures and associates</span></ix:nonNumeric></div><ix:continuation id="f-10938-1"><div style="margin-bottom:10pt;margin-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;Impairment or reversal of the impairment of investments in joint ventures or associates" included a net reversal of impairment of &#8364;<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" scale="6" id="f-10939">63</ix:nonFraction> million in the year ended December 31, 2024. This heading included a net impairment of &#8364;<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" scale="6" id="f-10940">9</ix:nonFraction> million for the year ended December 31, 2023, and it included a net reversal of impairment of &#8364;42 million for the year ended December 31, 2022 (see Note 16.3).</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-169</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1084"></div><hr style="page-break-after:always"/><div style="min-height: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%">49.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" id="f-10941" continuedAt="f-10941-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Impairment or reversal of impairment on non-financial assets </span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" id="f-10942" escape="true"><ix:continuation id="f-10941-1"><div style="margin-bottom:10pt;margin-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 style="width:61.303%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.300%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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%">2022</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></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="c-1" decimals="-6" sign="-" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-10943">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="c-22" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-10944">16</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="c-23" decimals="-6" sign="-" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-10945">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%">Intangible assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-10946">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-10947">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="c-23" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-10948">25</ix:nonFraction></span></td></tr><tr><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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" scale="6" id="f-10949">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="c-22" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" scale="6" id="f-10950">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="c-23" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" scale="6" id="f-10951">55</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 colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" scale="6" id="f-10952">1</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" scale="6" id="f-10953">54</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets" scale="6" id="f-10954">27</ix:nonFraction></span></td></tr></table></div></ix:continuation></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_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%">50.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" id="f-10955" continuedAt="f-10955-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" id="f-10956" escape="true"><ix:continuation id="f-10955-1"><div style="margin-bottom:10pt;margin-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;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:61.303%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.300%"/><td style="width:0.1%"/></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 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%">2024</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%">2023</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></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 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="c-1" decimals="-6" name="bbva:NetGainsLossOnSalesOfRealState" scale="6" id="f-10957">66</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="c-22" decimals="-6" name="bbva:NetGainsLossOnSalesOfRealState" scale="6" id="f-10958">64</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="c-23" decimals="-6" name="bbva:NetGainsLossOnSalesOfRealState" scale="6" id="f-10959">102</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="c-1" decimals="-6" sign="-" name="bbva:ImpairmentOfNonCurrentAssetsHeldForSale" scale="6" id="f-10960">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="bbva:ImpairmentOfNonCurrentAssetsHeldForSale" scale="6" id="f-10961">42</ix:nonFraction>)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="bbva:ImpairmentOfNonCurrentAssetsHeldForSale" scale="6" id="f-10962">221</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"> </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-10963">&#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="c-22" decimals="-6" name="bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-10964">&#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="c-23" decimals="-6" name="bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" scale="6" id="f-10965">11</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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-10966">&#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="c-22" decimals="-6" name="bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-10967">&#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="c-23" decimals="-6" name="bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-10968">&#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 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="c-1" decimals="-6" sign="-" name="bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="f-10969">17</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="c-22" decimals="-6" name="bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="f-10970">22</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="c-23" decimals="-6" sign="-" name="bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" scale="6" id="f-10971">108</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="fn-131" continuedAt="fn-131-1" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) </ix:footnote></span><ix:continuation id="fn-131-1"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">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: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 the BBVA Group (see Note 17).</span></ix:continuation></div></ix:continuation></ix:nonNumeric><div style="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-170</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" id="f-10972" continuedAt="f-10972-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Consolidated statements of cash flows </span></ix:nonNumeric></div><ix:nonNumeric contextRef="c-1" name="bbva:LiabilitiesFromFinancingActivitiesTableTextBlock" id="f-10973" escape="true"><ix:continuation id="f-10972-1" continuedAt="f-10972-2"><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 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 style="width:33.260%"/><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:9.839%"/><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:9.839%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.845%"/><td style="width:0.1%"/></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 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 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%">2024</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%">2023</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%">2024</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%">2023</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></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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="c-20" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-10974">68,707</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="c-21" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-10975">55,429</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="c-173" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-10976">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="c-20" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="f-10977">15,832</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="c-21" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="f-10978">12,485</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="c-173" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="f-10979">14,794</ix:nonFraction></span></td></tr><tr><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="c-4412" decimals="-6" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" scale="6" id="f-10980">627</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4413" decimals="-6" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10981">13,283</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="c-4414" decimals="-6" sign="-" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" scale="6" id="f-10982">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="c-4415" decimals="-6" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10983">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="c-4416" decimals="-6" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10984">3,388</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4417" decimals="-6" sign="-" name="bbva:CashFlowsLiabilitiesFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10985">1,945</ix:nonFraction>)</span></td></tr><tr><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="c-4412" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-10986">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="c-4413" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-10987">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="c-4414" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-10988">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="c-4415" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-10989">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="c-4416" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-10990">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:8pt;font-weight:400;line-height:120%">(<ix:nonFraction unitRef="eur" contextRef="c-4417" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-10991">364</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%">Acquisition</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="c-4418" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-10992">&#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="c-4419" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-10993">&#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="c-4420" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-10994">&#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="c-4421" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-10995">&#8212;</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4422" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-10996">&#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="c-4423" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-10997">&#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%">Disposal</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="c-4424" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-10998">&#8212;</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4425" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-10999">&#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="c-4426" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11000">&#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="c-4427" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11001">&#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="c-4428" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11002">&#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="c-4429" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11003">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;padding-left:12pt"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Disposals by companies held for sale </span></div></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="c-4430" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11004">&#8212;</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4431" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11005">&#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="c-4432" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11006">&#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="c-4433" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11007">&#8212;</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4434" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11008">&#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="c-4435" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11009">&#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="c-4436" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-11010">532</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="c-4437" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-11011">5</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="c-4438" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-11012">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="c-4439" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-11013">421</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="c-4440" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-11014">40</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="c-4441" decimals="-6" sign="-" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" scale="6" id="f-11015">364</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11016">&#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="c-4443" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11017">&#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="c-4444" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11018">&#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="c-4445" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11019">&#8212;</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:8pt;font-style:italic;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4446" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11020">&#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="c-4447" decimals="-6" name="bbva:NonCashChangesLiabilitiesFromFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-11021">&#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="c-13" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-11022">69,867</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-11023">68,707</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-11024">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="c-13" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="f-11025">19,556</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="f-11026">15,832</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="c-21" decimals="-6" name="bbva:SubordinatedCertificates" format="ixt:num-dot-decimal" scale="6" id="f-11027">12,485</ix:nonFraction></span></td></tr></table></div></ix:continuation><ix:footnote id="fn-132" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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:120%"><ix:continuation id="f-10972-2">(1) There were &#8364;56, &#8364;35 and &#8364;24 million of subordinated deposits as of December 31, 2024, 2023 and 2022, respectively (see Note 22.4). In addition, there were coupon payments on subordinated liabilities for &#8364;388, &#8364;345 and &#8364;313 million in 2024, 2023 and 2022</ix:continuation>, respectively. Appendix VI details the outstanding subordinated debt issued by their nominal value.</span></div></ix:footnote></ix:nonNumeric><div id="i22a2e436ff7c462c96898906283f922e_1093"></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><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfAccountantFeesAndServicesTextBlock" id="f-11028" continuedAt="f-11028-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Accountant fees and services</span></ix:nonNumeric></div><ix:continuation id="f-11028-1" continuedAt="f-11028-2"><ix:nonNumeric contextRef="c-1" name="bbva:FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" id="f-11029" 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, 2024, 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:99.739%"><tr><td style="width:1.0%"/><td style="width:61.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.400%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#01a5a5;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:#01a5a5;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:#01a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> (Millions of Euros) </span></div></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></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="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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;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%">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="c-1" decimals="-5" name="bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit" scale="6" id="f-11030">32.8</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="c-22" decimals="-5" name="bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit" scale="6" id="f-11031">28.5</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="c-23" decimals="-5" name="bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit" scale="6" id="f-11032">24.8</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%">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="c-1" decimals="-5" name="bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" scale="6" id="f-11033">1.5</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="c-22" decimals="-5" name="bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" scale="6" id="f-11034">1.4</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="c-23" decimals="-5" name="bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" scale="6" id="f-11035">1.0</ix:nonFraction></span></td></tr><tr><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%">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="c-1" decimals="-5" name="bbva:FeesForAuditsConductedByOtherFirms" scale="6" id="f-11036">0.1</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="c-22" decimals="-5" name="bbva:FeesForAuditsConductedByOtherFirms" scale="6" id="f-11037">0.1</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="c-23" decimals="-5" name="bbva:FeesForAuditsConductedByOtherFirms" scale="6" id="f-11038">0.1</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-133" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Regardless of the billed year.</span></div></ix:footnote><ix:footnote id="fn-134" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Including fees pertaining to annual legal audits (&#8364;26.0 million as of December 31, 2024).</span></div></ix:footnote></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:OtherServicesRenderedTableTextBlock" id="f-11039" 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, 2024, 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:99.739%"><tr><td style="width:1.0%"/><td style="width:61.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.400%"/><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%">Other Services rendered (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></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="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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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></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="c-1" decimals="-5" name="bbva:FirmsBelongingToTheEYWorldwideOrganization" scale="6" id="f-11040">0.2</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="c-22" decimals="-5" name="bbva:FirmsBelongingToTheEYWorldwideOrganization" scale="6" id="f-11041">0.2</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="c-23" decimals="-5" name="bbva:FirmsBelongingToTheEYWorldwideOrganization" scale="6" id="f-11042">0.1</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:FeesForAuditsConductedTableTextBlock" id="f-11043" 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 style="width:60.995%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.537%"/><td style="width:0.1%"/></tr><tr><td colspan="6" 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%">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><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></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="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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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></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="c-1" decimals="-5" name="bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="f-11044">8.5</ix:nonFraction></span></td><td colspan="3" style="background-color:#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="c-22" decimals="-5" name="bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="f-11045">7.9</ix:nonFraction></span></td><td colspan="3" style="background-color:#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="c-23" decimals="-5" name="bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="f-11046">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="c-1" decimals="-5" name="bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="f-11047">5.6</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="c-22" decimals="-5" name="bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="f-11048">5.4</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="c-23" decimals="-5" name="bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="f-11049">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="c-1" decimals="-5" name="bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="f-11050">2.0</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-5" name="bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="f-11051">1.9</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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-5" name="bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" scale="6" id="f-11052">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="c-1" decimals="-5" name="bbva:ReportsRelatedToIssuances" scale="6" id="f-11053">1.2</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="c-22" decimals="-5" name="bbva:ReportsRelatedToIssuances" scale="6" id="f-11054">1.0</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-5" name="bbva:ReportsRelatedToIssuances" scale="6" id="f-11055">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="c-1" decimals="-5" name="bbva:AssuranceServicesAndOtherRequiredByTheRegulator" scale="6" id="f-11056">1.2</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="c-22" decimals="-5" name="bbva:AssuranceServicesAndOtherRequiredByTheRegulator" scale="6" id="f-11057">0.8</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="c-23" decimals="-5" name="bbva:AssuranceServicesAndOtherRequiredByTheRegulator" scale="6" id="f-11058">0.8</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-135" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Services provided by Ernst &amp; Young, S.L. to companies located in Spain, to the branch of BBVA in New York, the branch of BBVA in London and the branch of BBVA in Frankfurt.</span></div></ix:footnote></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-11028-2"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Audit fees disclosed in this Note are presented under local purposes and do not correspond to SEC definitions. 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 SEC.</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_1096"></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><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" id="f-11059" continuedAt="f-11059-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Related-party transactions</span></ix:nonNumeric></div><ix:continuation id="f-11059-1" continuedAt="f-11059-2"><div style="margin-bottom:10pt;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 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, 2024, 2023 and 2022, the following are the transactions with related parties:</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_1099"></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><ix:continuation id="f-11059-2" continuedAt="f-11059-3"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Transactions with significant shareholders</span></ix:continuation></div><ix:continuation id="f-11059-3" continuedAt="f-11059-4"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, there were no shareholders with significant influence (see Note 26).</span></div></ix:continuation><div id="i22a2e436ff7c462c96898906283f922e_1102"></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><ix:continuation id="f-11059-4" continuedAt="f-11059-5"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Transactions of BBVA Group entities with joint ventures and associates</span></ix:continuation></div><ix:continuation id="f-11059-5" continuedAt="f-11059-6"><ix:nonNumeric contextRef="c-1" name="bbva:BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" id="f-11060" 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 joint ventures and associates 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 style="width:64.231%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/></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 of BBVA Group entities with joint ventures and associates (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%">2024</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%">2023</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></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 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-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="c-4448" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="f-11061">13</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="c-4449" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="f-11062">5</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="c-4450" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="f-11063">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%">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="c-4448" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-11064">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="c-4449" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-11065">791</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4450" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-11066">1,842</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="c-4448" decimals="-6" name="bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" scale="6" id="f-11067">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="c-4449" decimals="-6" name="bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" scale="6" id="f-11068">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="c-4450" decimals="-6" name="bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" scale="6" id="f-11069">7</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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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="c-4451" decimals="-6" name="bbva:DepositsFromCreditInstitutions" scale="6" id="f-11070">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="c-4452" decimals="-6" name="bbva:DepositsFromCreditInstitutions" format="ixt:fixed-zero" scale="6" id="f-11071">&#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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4453" decimals="-6" name="bbva:DepositsFromCreditInstitutions" scale="6" id="f-11072">1</ix:nonFraction></span></td></tr><tr><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%">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4451" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-11073">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="c-4452" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-11074">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4453" decimals="-6" name="ifrs-full:DepositsFromCustomersAtAmortisedCost" scale="6" id="f-11075">204</ix:nonFraction></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="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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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="c-4454" decimals="-6" name="bbva:FinancialGuaranteesGivenRelatedPartyTransactions" scale="6" id="f-11076">171</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="c-4455" decimals="-6" name="bbva:FinancialGuaranteesGivenRelatedPartyTransactions" scale="6" id="f-11077">177</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="c-4456" decimals="-6" name="bbva:FinancialGuaranteesGivenRelatedPartyTransactions" scale="6" id="f-11078">136</ix:nonFraction></span></td></tr><tr><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="c-4454" decimals="-6" name="bbva:OtherCommitmentsGivenRelatedPartyTransactions" scale="6" id="f-11079">784</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4455" decimals="-6" name="bbva:OtherCommitmentsGivenRelatedPartyTransactions" scale="6" id="f-11080">595</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4456" decimals="-6" name="bbva:OtherCommitmentsGivenRelatedPartyTransactions" scale="6" id="f-11081">751</ix:nonFraction></span></td></tr><tr><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="c-4454" decimals="-6" name="bbva:LoanCommitmentsGivenRelatedPartyTransactions" scale="6" id="f-11082">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:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4455" decimals="-6" name="bbva:LoanCommitmentsGivenRelatedPartyTransactions" scale="6" id="f-11083">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="c-4456" decimals="-6" name="bbva:LoanCommitmentsGivenRelatedPartyTransactions" scale="6" id="f-11084">10</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" id="f-11085" 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 joint ventures and associates 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 style="width:64.231%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><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%">Balances of consolidated income statement arising from transactions of BBVA Group entities with joint ventures and associates (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%">2024</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%">2023</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></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 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-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="c-1" decimals="-6" name="bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" scale="6" id="f-11086">37</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="c-22" decimals="-6" name="bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" scale="6" id="f-11087">44</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="c-23" decimals="-6" name="bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" scale="6" id="f-11088">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="c-1" decimals="-6" name="bbva:InterestExpenseRelatedPartyTransactions" scale="6" id="f-11089">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="c-22" decimals="-6" name="bbva:InterestExpenseRelatedPartyTransactions" scale="6" id="f-11090">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="c-23" decimals="-6" name="bbva:InterestExpenseRelatedPartyTransactions" scale="6" id="f-11091">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%">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="c-1" decimals="-6" name="bbva:FeeAndCommissionIncomeRelatedPartiesTransactions" scale="6" id="f-11092">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="c-22" decimals="-6" name="bbva:FeeAndCommissionIncomeRelatedPartiesTransactions" scale="6" id="f-11093">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="c-23" decimals="-6" name="bbva:FeeAndCommissionIncomeRelatedPartiesTransactions" scale="6" id="f-11094">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="c-1" decimals="-6" name="bbva:FeeAndCommissionExpenseRelatedPartyTransactions" scale="6" id="f-11095">55</ix:nonFraction></span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="bbva:FeeAndCommissionExpenseRelatedPartyTransactions" scale="6" id="f-11096">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="c-23" decimals="-6" name="bbva:FeeAndCommissionExpenseRelatedPartyTransactions" scale="6" id="f-11097">40</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="i22a2e436ff7c462c96898906283f922e_1105"></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="f-11059-6" continuedAt="f-11059-7"><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:nonNumeric contextRef="c-1" name="bbva:TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" id="f-11098" continuedAt="f-11098-1" escape="true"><ix:continuation id="f-11059-7" continuedAt="f-11059-8"><div style="margin-bottom:10pt;margin-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:continuation></ix:nonNumeric><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-11059-8"><ix:continuation id="f-11098-1"><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 style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.909%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.909%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.909%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.909%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.918%"/><td style="width:0.1%"/></tr><tr><td colspan="45" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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  December 31 of each year (thousands of Euros)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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%">2024</span></td><td colspan="3" style="padding:0 1pt;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:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="padding:0 1pt;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:6pt;font-weight:700;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"/><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:5pt;font-weight:700;line-height:120%">Directors</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:5pt;font-weight:700;line-height:120%">Related parties of Directors</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"><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-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:5pt;font-weight:700;line-height:120%">Related parties of Senior Management</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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:5pt;font-weight:700;line-height:120%">Directors</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:5pt;font-weight:700;line-height:120%">Related parties of Directors</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"><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-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:5pt;font-weight:700;line-height:120%">Related parties of Senior Management</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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:5pt;font-weight:700;line-height:120%">Directors</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:5pt;font-weight:700;line-height:120%">Related parties of Directors</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"><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-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: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 #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%">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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4457" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="f-11099">2,176</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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="c-4458" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="f-11100">210</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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="c-4459" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="f-11101">4,664</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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="c-4460" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="f-11102">688</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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="c-4461" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="f-11103">531</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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="c-4462" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="f-11104">243</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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="c-4463" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="f-11105">5,553</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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="c-4464" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="f-11106">727</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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="c-4465" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="f-11107">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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4466" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="f-11108">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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4467" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="f-11109">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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4468" decimals="-3" name="bbva:LoansAndCreditsToRelatedParties" scale="3" id="f-11110">764</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%">Bank guarantees</span></td><td colspan="3" style="background-color:#ffffff;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="c-4457" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-11111">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="c-4458" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-11112">&#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="c-4459" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" scale="3" id="f-11113">10</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="c-4460" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-11114">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4461" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-11115">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="c-4462" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-11116">&#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="c-4463" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" scale="3" id="f-11117">10</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="c-4464" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-11118">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4465" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-11119">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="c-4466" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-11120">&#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="c-4467" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" scale="3" id="f-11121">10</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="c-4468" decimals="-3" name="bbva:BankGuaranteesToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-11122">&#8212;</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-136" 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) Excluding executive directors.</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%">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="i22a2e436ff7c462c96898906283f922e_1111"></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><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" id="f-11123" continuedAt="f-11123-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Remuneration and other benefits of the Board of Directors and members of the Bank's Senior Management</span></ix:nonNumeric></div><ix:continuation id="f-11123-1" continuedAt="f-11123-2"><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 of 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 corresponding to the financial years 2024 and 2023 is as follows, individually and by remuneration item: </span></div><ix:nonNumeric contextRef="c-1" name="bbva:RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock" id="f-11124" escape="true"><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:18.468%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.450%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.070%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Remuneration of non-executive directors (thousands of Euros) </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></div></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="padding:0 1pt"/><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Board of Directors</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Executive Committee </span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Audit Committee</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Risk and Compliance Committee</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Remuneration Committee </span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Appointments and Corporate Governance Committee</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Technology and Cybersecurity Committee</span></td><td colspan="3" rowspan="2" 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:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Other positions </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.25pt;font-weight:700;line-height:120%;position:relative;top:-1.75pt;vertical-align:baseline">(2)</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:5pt;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;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%">2024</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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4469" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11125">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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4470" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11126">167</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4471" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11127">165</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4472" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11128">&#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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4473" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11129">&#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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4474" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11130">115</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4475" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11131">&#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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4476" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11132">50</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4477" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11133">625</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4478" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11134">593</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4479" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11135">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4480" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11136">167</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4481" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11137">22</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4482" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11138">107</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4483" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11139">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4484" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11140">31</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4485" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11141">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4486" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11142">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4487" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11143">455</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4488" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11144">502</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Enrique Casanueva N&#225;rdiz</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"> (3)</span></div></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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4489" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11145">107</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4490" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11146">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4491" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11147">44</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4492" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11148">71</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4493" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11149">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4494" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11150">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4495" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11151">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4496" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11152">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4497" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11153">223</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4498" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11154">&#8212;</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:6.5pt;font-weight:400;line-height:120%">Sonia Dul&#225;</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4499" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11155">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4500" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11156">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4501" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11157">66</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11158">107</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4503" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11159">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4504" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11160">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4505" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11161">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11162">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4507" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11163">302</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11164">223</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4509" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11165">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4510" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11166">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4511" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11167">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4512" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11168">214</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4513" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11169">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4514" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11170">46</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4515" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11171">43</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4516" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11172">80</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11173">512</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4518" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11174">461</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11175">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4520" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11176">167</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4521" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11177">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4522" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11178">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4523" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11179">36</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4524" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11180">46</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4525" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11181">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4526" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11182">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4527" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11183">378</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4528" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11184">416</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:6.5pt;font-weight:400;line-height:120%">Connie Hedegaard Koksbang</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4529" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11185">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4530" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11186">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4531" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11187">66</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4532" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11188">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4533" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11189">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4534" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11190">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4535" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11191">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4536" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11192">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4537" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11193">195</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4538" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11194">173</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4539" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11195">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11196">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4541" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11197">66</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4542" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11198">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4543" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11199">43</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4544" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11200">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4545" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11201">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4546" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11202">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4547" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11203">238</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4548" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11204">238</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Jos&#233; Maldonado Ramos </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(4)</span></div></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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4549" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11205">32</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4550" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11206">42</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4551" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11207">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4552" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11208">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4553" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11209">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4554" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11210">12</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4555" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11211">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4556" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11212">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4557" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11213">85</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4558" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11214">342</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Cristina de Parias Halc&#243;n </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(5)</span></div></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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4559" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11215">107</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4560" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11216">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4561" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11217">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4562" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11218">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4563" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11219">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4564" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11220">31</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4565" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11221">29</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4566" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11222">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4567" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11223">167</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4568" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11224">&#8212;</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4569" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11225">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4570" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11226">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4571" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11227">66</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4572" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11228">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4573" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11229">43</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4574" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11230">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4575" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11231">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4576" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11232">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4577" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11233">238</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4578" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11234">238</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Juan Pi Llorens </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(4)</span></div></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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4579" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11235">32</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4580" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11236">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4581" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11237">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4582" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11238">27</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4583" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11239">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4584" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11240">12</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4585" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11241">11</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4586" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11242">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4587" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11243">81</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4588" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11244">361</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4589" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11245">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4590" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11246">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4591" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11247">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4592" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11248">107</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4593" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11249">86</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4594" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11250">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4595" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11251">43</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4596" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11252">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4597" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11253">364</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4598" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11254">307</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Susana Rodr&#237;guez Vidarte </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(6)</span></div></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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4599" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11255">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4600" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11256">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4601" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11257">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4602" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11258">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4603" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11259">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4604" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11260">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4605" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11261">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4606" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11262">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4607" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11263">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4608" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11264">112</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Carlos Salazar Lomel&#237;n </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(7)</span></div></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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4609" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11265">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4610" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11266">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4611" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11267">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4612" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11268">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4613" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11269">43</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4614" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11270">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4615" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11271">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11272">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11273">172</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11274">172</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11275">129</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4620" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11276">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4621" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11277">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4622" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11278">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4623" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11279">43</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4624" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11280">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4625" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11281">43</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4626" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-11282">&#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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4627" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11283">214</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:7pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4628" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11284">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:top"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></div></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4629" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-11285">1,695</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4630" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11286">542</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4631" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11287">497</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4632" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11288">633</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4633" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11289">293</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4634" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11290">293</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4635" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11291">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:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4636" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-11292">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:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-11293">4,250</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-11294">4,350</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-137" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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%">(1) Includes amounts corresponding to the positions on the Board and its various Committees, the composition of which was modified on April 26, 2024.</span></div></ix:footnote><ix:footnote id="fn-138" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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:120%">(2) Amounts corresponding to the positions of Deputy Chair of the Board of Directors and Lead Director.</span></div></ix:footnote><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:120%"><ix:footnote id="fn-139" footnoteRole="http://www.xbrl.org/2003/role/footnote">(3) Director appointed by the General Shareholders' Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year.</ix:footnote> </span></div><ix:footnote id="fn-140" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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:120%">(4) Directors who left office on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year.</span></div></ix:footnote><ix:footnote id="fn-141" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(5) Director appointed by the General Shareholders&#8217; Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. In addition, the director Cristina de Parias Halc&#243;n received in the 2024 and 2023 financial years, &#8364;72 thousand and &#8364;76 thousand, respectively, as per diems for her attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. Likewise, in 2024, she received &#8364;56 thousand and 14,697 BBVA shares corresponding to the deferred portion of 2018 and 2019 annual variable remuneration accrued in her former condition of BBVA&#8217;s member of Senior Management, including the update of its cash portion. In 2025, the last payment of the deferred portion of 2019 annual variable remuneration, including the update of its cash portion, is due to this director (&#8364;30 thousand and 7,593 BBVA shares). </span></div></ix:footnote><ix:footnote id="fn-142" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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:120%">(6) Director who left office on March 17, 2023. Remuneration in 2023 corresponding to the term in office in that financial year.</span></div></ix:footnote><ix:footnote id="fn-143" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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:120%">(7) In addition, in financial years 2024 and 2023, the director Carlos Salazar Lomel&#237;n received &#8364;113 thousand and &#8364;67 thousand, respectively, as per diems for his attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. and of the strategy forum of BBVA M&#233;xico, S.A. de CV.</span></div></ix:footnote></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%">Likewise, during financial years 2024 and 2023, &#8364;112 thousand and &#8364;123 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"><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 Shareholders&#8217; Meeting held on March 18, 2006 and extended by resolutions of the General Shareholders&#8217; Meetings held on March 11, 2011 and March 11, 2016 for a further five-year period in each case, by the General Shareholders&#8217; Meeting held on April 20, 2021 for a further three-year period and by the General Shareholders&#8217; Meeting held on March 17, 2023 for a further four-year period.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-11123-2" continuedAt="f-11123-3"><div style="margin-bottom:10pt;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 Shareholders&#8217; Meetings approving the corresponding financial statements for each financial 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 BBVA shares, in a number equivalent to the theoretical shares accumulated by each non-executive director, will be delivered to each beneficiary, where applicable, after they leave directorship for any reason other than serious breach of their duties.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:TheoreticalSharesTableTextBlock" id="f-11295" 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 theoretical shares allocated to non-executive directors who were beneficiaries of the remuneration system with deferred delivery of shares in the 2024 and 2023 financial years, corresponding to 20% of the total annual fixed allowance in cash received by each of them in the 2023 and 2022 financial years, respectively, were 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:24.477%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.235%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.235%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.878%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.235%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.240%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2024</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2023</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Theoretical shares allocated </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-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 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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Theoretical shares allocated </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-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="c-4637" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11296">13,407</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="c-4637" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11297">147,455</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"/><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="c-4638" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11298">16,023</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="c-4638" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11299">134,048</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="c-4639" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11300">11,350</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="c-4639" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11301">106,310</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4640" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11302">17,255</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="c-4640" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11303">94,960</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%">Enrique Casanueva N&#225;rdiz </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="c-4641" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:fixed-zero" scale="0" id="f-11304">&#8212;</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="c-4641" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:fixed-zero" scale="0" id="f-11305">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4642" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:fixed-zero" scale="0" id="f-11306">&#8212;</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="c-4642" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:fixed-zero" scale="0" id="f-11307">&#8212;</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%">Sonia Dul&#225; </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;padding:2px 1pt;text-align:center;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="c-4643" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11308">5,042</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="c-4643" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11309">5,042</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4644" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:fixed-zero" scale="0" id="f-11310">&#8212;</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="c-4644" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:fixed-zero" scale="0" id="f-11311">&#8212;</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="c-4645" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11312">10,423</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="c-4645" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11313">40,191</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4646" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11314">10,091</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="c-4646" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11315">29,768</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="c-4647" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11316">9,401</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="c-4647" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11317">110,593</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4648" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11318">10,603</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="c-4648" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11319">101,192</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 Koksbang</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="c-4649" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11320">3,914</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="c-4649" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11321">7,177</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4650" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11322">3,263</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="c-4650" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11323">3,263</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="c-4651" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11324">5,384</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="c-4651" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11325">76,977</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4652" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11326">7,237</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="c-4652" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11327">71,593</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%">Jos&#233; Maldonado Ramos &#8317;&#8308;&#8318;</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="c-4653" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11328">7,735</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="c-4653" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:fixed-zero" scale="0" id="f-11329">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4654" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11330">10,397</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="c-4654" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11331">146,874</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%">Cristina de Parias Halc&#243;n &#8317;&#178;&#8318;</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="c-4655" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:fixed-zero" scale="6" id="f-11332">&#8212;</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="c-4655" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:fixed-zero" scale="6" id="f-11333">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4656" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:fixed-zero" scale="6" id="f-11334">&#8212;</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="c-4656" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:fixed-zero" scale="6" id="f-11335">&#8212;</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="c-4657" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11336">5,384</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="c-4657" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11337">47,713</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4658" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11338">7,237</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="c-4658" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11339">42,329</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%">Juan Pi Llorens &#8317;&#8308;&#8318;</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="c-4659" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11340">8,157</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="c-4659" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:fixed-zero" scale="0" id="f-11341">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4660" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11342">13,943</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="c-4660" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11343">148,542</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="c-4661" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11344">6,947</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="c-4661" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11345">31,161</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4662" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11346">8,035</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="c-4662" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11347">24,214</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%">Susana Rodr&#237;guez Vidarte &#8317;&#8309;&#8318;</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="c-4663" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:fixed-zero" scale="0" id="f-11348">&#8212;</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="c-4663" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:fixed-zero" scale="0" id="f-11349">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4664" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11350">13,648</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="c-4664" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:fixed-zero" scale="0" id="f-11351">&#8212;</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="c-4665" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11352">3,882</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="c-4665" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11353">21,012</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4666" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11354">5,218</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="c-4666" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11355">17,130</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="c-4667" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11356">4,851</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="c-4667" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11357">40,623</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4668" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11358">6,521</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="c-4668" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11359">35,772</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></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="c-13" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11360">95,877</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="c-13" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11361">634,254</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:0 1pt"/><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="c-20" decimals="0" name="bbva:TheoreticalSharesAllocated" format="ixt:num-dot-decimal" scale="0" id="f-11362">129,471</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="c-20" decimals="0" name="bbva:TheoreticalSharesAccumulatedAsOfDecember31" format="ixt:num-dot-decimal" scale="0" id="f-11363">849,685</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="fn-144" footnoteRole="http://www.xbrl.org/2003/role/footnote">(1) The number of theoretical shares was calculated according to the average closing price of the BBVA share during the 60 trading sessions prior to the dates of the General Shareholders&#8217; Meetings of March 15, 2024 and March 17, 2023 which were &#8364;8.84 and &#8364;6.58 per share, respectively.</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:120%"><ix:footnote id="fn-145" footnoteRole="http://www.xbrl.org/2003/role/footnote">(2)  Directors appointed by the General Meeting held on March 15, 2024; accordingly, the allocation of theoretical shares is not due until 2025.</ix:footnote> </span></div><ix:footnote id="fn-146" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Director appointed by the General Meeting held on March 17, 2023; accordingly, the first allocation of theoretical shares was made in 2024.</span></div></ix:footnote><ix:footnote id="fn-147" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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:120%">(4) Directors who left office on March 15, 2024. In application of the system, Jos&#233; Maldonado Ramos and Juan Pi Llorens received a total of 154,609 and 156,699 BBVA shares, respectively, after leaving office, which is equivalent to the total theoretical shares accumulated up to that date by each of them.</span></div></ix:footnote><ix:footnote id="fn-148" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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:120%">(5) Director who left office on March 17, 2023. In application of the system, she received a total of 191,423 BBVA shares, after leaving office, which was equivalent to the total theoretical shares accumulated up to that date.</span></div></ix:footnote></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 of executive directors </span></div><ix:nonNumeric contextRef="c-1" name="bbva:AnnualFixedRemunerationTableTextBlock" id="f-11364" 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 financial years 2024 and 2023 indicated below, individually and by remuneration item, are the result of applying the BBVA Directors&#8217; Remuneration Policy approved at the General Shareholders&#8217; Meeting held on March 17, 2023. </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 style="width:71.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.459%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.460%"/><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: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 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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%">2024</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%">2023</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="c-4669" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-11365">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="c-4670" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-11366">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="c-4671" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-11367">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="c-4672" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-11368">2,179</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: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="c-13" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-11369">5,103</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;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="c-20" decimals="-3" name="bbva:AnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-11370">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 provisions established in the BBVA Directors&#8217; Remuneration Policy and contractually, during the 2024 and 2023 financial years the Chair received, each year, the amount of &#8364;41 thousand of fixed allowances for vehicle rental and others. Meanwhile, the Chief Executive Officer received, each year, the amount of &#8364;654 thousand of fixed remuneration in cash in lieu of pension (equivalent to 30% of his Annual Fixed Remuneration), as he does not receive a retirement benefit (see section on &#8220;Pension commitments with executive directors&#8221; in this Note), and the amount of &#8364;600 thousand for his 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 style="width:60.687%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.006%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.007%"/><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: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:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></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%">Likewise, the executive directors received remuneration in kind during the financial years 2024 and 2023, including insurance premiums and others, totaling &#8364;140 thousand and &#8364;172 thousand in the case of the Chair and &#8364;128 thousand and &#8364;131 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-11123-3" continuedAt="f-11123-4"><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 style="width:60.687%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.006%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.007%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Variable remuneration </span></div></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></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%">With regard to variable remuneration, the BBVA Directors&#8217; Remuneration Policy approved by the General Shareholders&#8217; Meeting in 2023 establishes a model whereby the Annual Variable Remuneration (&#8220;AVR&#8221;) of the executive directors comprises two components: a Short-Term Incentive (&#8220;STI&#8221;) and a Long-Term Incentive (&#8220;LTI&#8221;). The award of both incentives is contingent upon the achievement of the minimum profit and capital ratio thresholds approved by the Board of Directors for this purpose. The sum of the STI and the LTI constitutes the AVR for the year of each executive director. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The STI will be awarded once the reference year for measuring the annual indicators used for its calculation has ended. The amount of the STI will be determined based on the results of these indicators, taking into account the targets, scales of achievement and weightings established for each of them, which may range between 0% and 150% of the &#8220;Target STI&#8221;. The &#8220;Target STI&#8221; represents the amount of the STI if 100% of the pre-established targets for these indicators are achieved.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Once the aforementioned minimum profit and capital ratio thresholds have been reached, the right to the LTI will accrue, the final amount of which may range between 0% and 150% of the &#8220;Target LTI&#8221;. The &#8220;Target LTI&#8221; represents the amount of the LTI if 100% of the pre-established targets for the long-term indicators approved for its calculation are achieved. The final amount of the LTI will be determined once the last year of the measurement period of the long-term indicators has ended, based on their results and taking into account the targets, scales of achievement and weightings established for 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%">A percentage not exceeding 40% of the AVR will be vested and paid, provided that the required conditions are met, as a general rule, in the first quarter of the year following the one to which it corresponds (the &#8220;Upfront Portion&#8221;), in equal parts in cash and BBVA shares. The remaining amount, and at least 60% of the AVR, will be deferred over a five-year period and paid, if conditions are met, at the end of each of the five years of deferral, 40% in cash and 60% in BBVA shares and/or instruments linked to BBVA shares (the &#8220;Deferred Portion&#8221; or the &#8220;Deferred AVR&#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%">Within said deferral period, the payment of the LTI shall only begin after the expiration of the measurement period of the long-term indicators&#8217; targets, to the result of which its final amount is subject. Therefore, the LTI is part of the Deferred Portion of the AVR of 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%">In accordance with the foregoing, in 2024 the executive directors accrued a Short-Term Incentive amounting to &#8364;2,871 thousand in the case of the Chair and &#8364;2,147 thousand in the case of the Chief Executive Officer.  </span></div><div style="margin-bottom:10pt;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 executive directors accrued the right to a Long-Term Incentive for a maximum theoretical amount of &#8364;1,929 thousand in the case of the Chair and &#8364;1,443 thousand for the Chief Executive Officer, which is equivalent, in both cases, to 150% of their Target LTI. Once the measurement period for the long-term indicators established for their calculation has ended (at the end of 2027), their final amount will be determined, which may range between 0% and 150% of the &#8220;Target LTI&#8221;. Therefore, if 100% of the pre-established targets are met, this incentive will amount to &#8364;1,286 thousand in the case of the Chair and &#8364;962 thousand in the case of the Chief Executive Officer.</span></div><div style="margin-bottom:10pt;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 remaining rules applicable to the Annual Variable Remuneration of the executive directors set out in the BBVA Directors&#8217; Remuneration Policy will apply to the Annual Variable Remuneration for financial year 2024, which include: (i) a retention period of one year following delivery of the BBVA shares or instruments linked to 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 finally vested Deferred Portion in cash in accordance with the CPI; (iv) malus and clawback arrangements throughout the whole periods of deferral and retention of the shares or instruments; and (v) the limitation of variable remuneration to a maximum amount of 200% of the fixed component of total remuneration, in accordance with the resolution approved by the General Shareholders&#8217; Meeting held in 2024.</span></div><ix:nonNumeric contextRef="c-1" name="bbva:AnnualVariableRemunerationAVRTableTextBlock" id="f-11371" continuedAt="f-11371-1" 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%">Taking into account the above, the Upfront Portion of the AVR for the financial years 2024 and 2023 of the executive directors which is due for payment once each of said financial years has ended, in equal parts in cash and BBVA shares, is indicated 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 style="width:28.946%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.081%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.081%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.390%"/><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: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:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024 </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><td colspan="3" style="padding:0 1pt"/><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%">2023 </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></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #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 colspan="3" style="border-top:1pt solid #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: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="c-4673" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11372">897</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="shares" contextRef="c-4673" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11373">92,803</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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="c-4674" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11374">897</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="shares" contextRef="c-4674" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11375">107,835</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="c-4675" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11376">671</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="shares" contextRef="c-4675" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11377">69,408</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><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="c-4676" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11378">671</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="shares" contextRef="c-4676" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11379">80,650</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: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="c-13" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" format="ixt:num-dot-decimal" scale="3" id="f-11380">1,568</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;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="shares" contextRef="c-13" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11381">162,211</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;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="c-20" decimals="-3" name="bbva:AnnualVariableRemunerationBBVADirectorsInCash" format="ixt:num-dot-decimal" scale="3" id="f-11382">1,568</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;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="shares" contextRef="c-20" decimals="0" name="bbva:AnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11383">188,485</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-149" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="margin-bottom:10pt;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) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to 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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached. </span></div></ix:footnote></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-11123-4" continuedAt="f-11123-5"><ix:footnote id="fn-150" footnoteRole="http://www.xbrl.org/2003/role/footnote"><ix:continuation id="f-11371-1" continuedAt="f-11371-2"><div style="margin-bottom:10pt;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) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares).</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="f-11371-2">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.</ix:continuation> </span></div></ix:footnote><ix:nonNumeric contextRef="c-1" name="bbva:DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" id="f-11384" continuedAt="f-11384-1" 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 style="width:16.029%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.004%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.880%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.801%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.801%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.880%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.801%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.804%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Deferred Annual Variable Remuneration (AVR) from previous financial years</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2024</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><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><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%">2023</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></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"><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;text-indent:-0.18pt"/><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 #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 shares </span></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt"/><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 #ffffff;border-right: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 shares</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" 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:700;line-height:120%">Chair</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4677" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11385">221</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4677" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11386">38,821</ix:nonFraction></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: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="c-4678" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="f-11387">&#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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-4678" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" id="f-11388">&#8212;</ix:nonFraction></span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4679" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11389">236</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4679" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11390">56,941</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4680" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11391">229</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4680" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11392">56,941</ix:nonFraction></span></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:top"><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="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4681" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11393">228</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4681" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11394">57,325</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4682" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11395">222</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4682" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="f-11396">57,325</ix:nonFraction></span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4683" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11397">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4683" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" scale="3" id="f-11398">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4684" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11399">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4684" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" scale="3" id="f-11400">0</ix:nonFraction></span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4685" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11401">181</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4685" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11402">45,529</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4686" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11403">176</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4686" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="f-11404">45,529</ix:nonFraction></span></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:top"><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="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4687" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="f-11405">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4687" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="3" id="f-11406">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4688" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11407">132</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4688" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="f-11408">35,795</ix:nonFraction></span></td></tr><tr><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"><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 colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11409">867</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-4689" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11410">198,616</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11411">760</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-4690" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="f-11412">195,590</ix:nonFraction></span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" rowspan="6" 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: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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4691" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11413">166</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4691" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11414">29,034</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4692" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="f-11415">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4692" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" id="f-11416">&#8212;</ix:nonFraction></span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4693" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11417">181</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4693" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11418">43,793</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4694" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11419">176</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4694" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="f-11420">43,793</ix:nonFraction></span></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:top"><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;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4695" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11421">173</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4695" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11422">43,552</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4696" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11423">169</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4696" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="f-11424">43,552</ix:nonFraction></span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4697" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11425">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4697" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" scale="3" id="f-11426">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4698" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11427">0</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4698" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" scale="3" id="f-11428">0</ix:nonFraction></span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4699" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11429">163</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4699" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11430">40,858</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4700" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11431">158</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4700" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="f-11432">40,858</ix:nonFraction></span></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:top"><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;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4701" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="f-11433">&#8212;</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 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="shares" contextRef="c-4701" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" id="f-11434">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4702" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:fixed-zero" scale="3" id="f-11435">&#8212;</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 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="shares" contextRef="c-4702" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:fixed-zero" scale="0" id="f-11436">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"><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;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4703" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11437">683</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-4703" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11438">157,237</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="eur" contextRef="c-4704" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" scale="3" id="f-11439">503</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-4704" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="f-11440">128,203</ix:nonFraction></span></td></tr><tr><td colspan="6" 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:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;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="c-13" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:num-dot-decimal" scale="3" id="f-11441">1,550</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;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="shares" contextRef="c-13" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="3" id="f-11442">355,853</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;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="c-20" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash" format="ixt:num-dot-decimal" scale="3" id="f-11443">1,263</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;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="shares" contextRef="c-20" decimals="0" name="bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares" format="ixt:num-dot-decimal" scale="0" id="f-11444">323,793</ix:nonFraction></span></td></tr></table></div><ix:footnote id="fn-151" continuedAt="fn-151-1" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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 payable after the 2024 year-end, including the update of its cash portion. Payment to the Chair and the Chief Executive Officer will take place in 2025 in accordance with the vesting and payment rules set out in the remuneration policies applicable 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">2023 Deferred AVR: the first payment of the Deferred STI (17.9% of the Deferred Portion) is due to executive directors. Thereafter, the second payment of the Deferred STI (17.9% of the Deferred Portion) and the 2023 LTI (64.2% of the Deferred Portion) will be deferred for both executive directors. The final amount of the 2023 LTI will depend on the result of the long-term indicators approved for its calculation once its measurement period has elapsed (at the end of 2026), which may range between an achievement of 0% to 150%. If the relevant conditions are met, the second payment of the Deferred STI will be made in 2026 and the three payments of the 2023 LTI will be made in 2027, 2028 and 2029. </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">2022 Deferred AVR: the second payment (20% of the Deferred Portion) is due to executive directors. Thereafter, 60% of the 2022 Deferred AVR will be deferred for both executive directors, which, if the relevant conditions are met, will be paid in 2026, 2027, and 2028.</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: the third payment (20% of the Deferred Portion) is due to executive directors, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. Thereafter, 40% of the 2021 Deferred AVR will be deferred for both executive directors which, if the relevant conditions are met, will be paid in 2026 and 2027.</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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. </span></div></ix:footnote><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"><ix:continuation id="fn-151-1" continuedAt="fn-151-2"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span></ix:continuation><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="fn-151-2">2019 Deferred AVR: the third and final payment (20% of the Deferred Portion) is due to executive directors. Following this, payment to executive directors of the 2019 Deferred AVR will be completed.</ix:continuation> </span></div><ix:footnote id="fn-152" continuedAt="fn-152-1" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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 which was payable after the 2023 year-end, including the update of its cash portion. Its payment to the Chair and/or the Chief Executive Officer took place in 2024, in accordance with the vesting and payment rules set out in the remuneration policies applicable 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">2022 Deferred AVR: in 2024, the first payment (20% of the Deferred Portion) was made to executive directors. </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: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. </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">2019 Deferred AVR: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. </span></div></ix:footnote></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-11123-5" continuedAt="f-11123-6"><ix:continuation id="fn-152-1"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"><ix:continuation id="f-11384-1" continuedAt="f-11384-2"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span></ix:continuation><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="f-11384-2">2018 Deferred AVR: in 2024, the third and final payment (20% of the Deferred Portion) was made to the Chair. Following this, payment to the Chair of the 2018 Deferred AVR, which was associated with his former position as Chief Executive Officer, was completed.</ix:continuation> </span></div></ix:continuation><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 commitments 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&#8217; 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 agreed annual contribution to cover the retirement contingency under the defined contribution system for the Chair, as set out in the BBVA Directors&#8217; Remuneration Policy, is &#8364;439 thousand. The Board of Directors may update this amount during the term of the Policy, in the same manner as it may update the Annual Fixed Remuneration, pursuant to the terms established therein. </span></div><div style="margin-bottom:10pt;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 portion of 15% of this annual contribution will be based on variable components and considered &#8220;discretionary pension benefits&#8221;. It will, therefore, be subject to the conditions regarding delivery in shares, withholding, reduction 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&#8217; 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&#8217;s contractual relationship 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 above, 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 2024, an amount of &#8364;456 thousand was recorded, comprising the agreed annual contribution to cover the retirement contingency, which is &#8364;439 thousand, and a further amount of &#8364;17 thousand relating to the upward adjustment of the &#8220;discretionary pension benefits&#8221; for the financial year 2023, which were declared at the end of that year and which had to be included in the accumulated fund in 2024. Likewise, an amount of &#8364;252 thousand was paid in insurance premiums for the death and disability contingencies.</span></div><div style="margin-bottom:10pt;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, 2024, the total accumulated fund to meet the retirement commitments with the Chair amounted to &#8364; 26,893 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%">Of the annual contribution for the retirement contingency corresponding to the financial year 2024, 15% (&#8364;66 thousand) was recorded in that 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 Short-Term Incentive that is part of the Chair&#8217;s Annual Variable Remuneration for the 2024 financial year and was determined to amount to &#8364;83 thousand, which represents an upward adjustment of &#8364;17 thousand. These &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund in the 2025 financial year and will be subject to the conditions established for them in the BBVA Directors&#8217; 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&#8217; 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 (&#8220;cash in lieu of pension&#8221;) equal to 30% of his Annual Fixed Remuneration. In accordance with the above, in the 2024 financial year, the Bank paid the Chief Executive Officer the amount of the &#8220;cash in lieu of pension&#8221; fixed remuneration, as described in the &#8220;Remuneration of executive directors&#8221; 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 with the Chief Executive Officer, for which the corresponding annual insurance premiums are paid. For these purposes, an amount &#8364;221 thousand was recognized in 2024 in this regard.</span></div><div style="text-align:justify"><ix:nonNumeric contextRef="c-1" name="bbva:ExecutiveDirectorsTableTextBlock" id="f-11445" continuedAt="f-11445-1" 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 style="width:20.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.151%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.151%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.412%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.151%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.826%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.412%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.151%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.154%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Pension systems (thousands of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 colspan="6" rowspan="2" 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%">Accumulated funds</span></div></td></tr><tr style="height:12pt"><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;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 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"/></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 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%">2024</span></div></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><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%">2024</span></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2024</span></div></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></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="c-4705" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" scale="3" id="f-11446">456</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="c-4706" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" scale="3" id="f-11447">458</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-4705" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="f-11448">252</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="c-4706" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="f-11449">322</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-4705" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="f-11450">26,893</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="c-4706" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="f-11451">24,759</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="c-4707" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" format="ixt:fixed-zero" scale="3" id="f-11452">&#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="c-4708" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" format="ixt:fixed-zero" scale="3" id="f-11453">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4707" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="f-11454">221</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="c-4708" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="f-11455">230</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-4707" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:fixed-zero" scale="3" id="f-11456">&#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="c-4708" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:fixed-zero" scale="3" id="f-11457">&#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="c-13" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" scale="3" id="f-11458">456</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="c-20" decimals="-3" name="bbva:ExecutiveDirectorsRetirement" scale="3" id="f-11459">458</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><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="c-13" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="f-11460">472</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="c-20" decimals="-3" name="bbva:ExecutiveDirectorsDeathAndDisability" scale="3" id="f-11461">552</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><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="c-13" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="f-11462">26,893</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="c-20" decimals="-3" name="bbva:ExecutiveDirectorsFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="f-11463">24,759</ix:nonFraction></span></td></tr></table></ix:nonNumeric><ix:footnote id="fn-153" 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%"><ix:continuation id="f-11445-1">(1) Contributions recognized to meet the pension commitments with the executive directors in financial years 2024 and 2023. In the case of the Chair, these relate to the sum of the annual retirement pension contribution and the adjustment made to the &#8220;discretionary pension benefits&#8221; for the financial years 2023 and 2022, the contribution of which to the accumulated fund was to be made in the financial years 2024 and 2023, respectively, as well as to the premiums for the death and disability contingencies. In the case of the Chief Executive Officer, the contributions recognized correspond exclusively to the insurance premiums paid by the Bank in 2024 and 2023 to cover the death and disability contingencies given that, in his case, the Bank has not undertaken any commitments to cover the contingency of retirement.</ix:continuation> </span></ix:footnote></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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="f-11123-6" continuedAt="f-11123-7"><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 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&#8217; Remuneration Policy, the Bank has no commitments to make severance payments to 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:120%">Remuneration of Senior Management </span></div><ix:nonNumeric contextRef="c-1" name="bbva:AnnualFixedRemunerationSeniorManagementTableTextBlock" id="f-11464" continuedAt="f-11464-1" 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 financial years 2024 and 2023, as indicated below, broken down by remuneration item, are the result of applying the BBVA Group&#8217;s General Remuneration Policy approved by the Board of Directors on March 29, 2023. </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 style="width:71.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.459%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.460%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Fixed remuneration (thousands of Euros)</span></div></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2024</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:700;line-height:120%">Senior Management Total </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><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="c-13" decimals="-3" name="bbva:SeniorManagementTotalAnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-11465">19,928</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="c-20" decimals="-3" name="bbva:SeniorManagementTotalAnnualFixedRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-11466">18,187</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><ix:footnote id="fn-154" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"><ix:continuation id="f-11464-1">(1) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases.</ix:continuation> </span></div></ix:footnote><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">In addition, in accordance with the provisions established in the BBVA Group&#8217;s General Remuneration Policy and contractually, during the 2024 and 2023 financial years, the members of Senior Management collectively received fixed allowances for vehicle rental and others totaling &#8364;347 thousand and &#8364;314 thousand, respectively. </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:60.687%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.006%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.007%"/><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: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:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></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 2024 and 2023 financial years, remuneration in kind, including insurance premiums and others, totaling &#8364;603 thousand and &#8364;590 thousand, respectively, was collectively paid to members of Senior Management.</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:60.687%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.006%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.007%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Variable remuneration </span></div></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></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%">With regard to variable remuneration, the BBVA Group&#8217;s General Remuneration Policy establishes a model whereby the Annual Variable Remuneration (&#8220;AVR&#8221;) for members of Senior Management, like that of executive directors, comprises two components: a Short-Term Incentive (&#8220;STI&#8221;) and a Long-Term Incentive (&#8220;LTI&#8221;). The award of both incentives is contingent upon the achievement of the minimum profit and capital ratio thresholds approved by the Board of Directors for this purpose. The sum of the STI and the LTI constitutes the AVR for the year of each member 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%">Under this model, and in the same terms as set out above for the executive directors, in 2024 financial year, all members of Senior Management accrued a Short-Term Incentive for a total combined amount of &#8364;7,271 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%">In addition, all members of Senior Management accrued the right to a Long-Term Incentive for a maximum theoretical amount of &#8364;4,856 thousand, which is equivalent to the sum of 150% of the &#8220;Target LTI&#8221; of each beneficiary. The final amount of the LTI of each beneficiary will be determined at the end of the measurement period of the long-term indicators established for its calculation (at the end of 2027). This final amount may range between 0% and 150% of the &#8220;Target LTI&#8221;. Therefore, if 100% of the pre-established targets are achieved, it will amount to a total of &#8364;3,237 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%">Moreover, the remaining rules applicable to the Annual Variable Remuneration of the members of the Senior Management established in the BBVA Group&#8217;s General Remuneration Policy will apply to the Annual Variable Remuneration for financial year 2024, which include: (i) a retention period of one year following delivery of the BBVA shares or instruments linked to 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 finally vested Deferred Portion in cash in accordance with the CPI; (iv) malus and clawback arrangements throughout the whole periods of deferral and retention of the shares or instruments; and (v) the limitation of variable remuneration to a maximum amount of 200% of the fixed component of total remuneration, in accordance with the resolution approved by the General Shareholders&#8217; Meeting in 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%">Taking into account the above, the total sum of the Upfront Portion of the AVR for financial years 2024 and 2023 of the members of Senior Management, due for payment once each of said financial years has ended, in equal parts in cash and BBVA shares, is indicated below. </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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><ix:continuation id="f-11123-7" continuedAt="f-11123-8"><ix:nonNumeric contextRef="c-1" name="bbva:AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" id="f-11467" escape="true"><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><table 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:27.867%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.389%"/><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: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:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024 </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><td colspan="3" style="padding:0 1pt"/><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%">2023 </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></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 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 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"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Senior Management Total </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">(3)</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="c-4709" decimals="-3" name="bbva:AnnualVariableRemunerationSeniorManagementInCash" format="ixt:num-dot-decimal" scale="3" id="f-11468">2,272</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="c-4709" decimals="0" name="bbva:AnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="3" id="f-11469">235,016</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-4710" decimals="-3" name="bbva:AnnualVariableRemunerationSeniorManagementInCash" format="ixt:num-dot-decimal" scale="3" id="f-11470">2,229</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="c-4710" decimals="0" name="bbva:AnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="3" id="f-11471">267,628</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-155" continuedAt="fn-155-1" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares or instruments linked to shares). </span></ix:footnote></div><ix:continuation id="fn-155-1"><div style="margin-bottom:3pt;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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.</span></div></ix:continuation><ix:footnote id="fn-156" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="margin-bottom:3pt;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) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares). </span></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.</span></div></ix:footnote><ix:footnote id="fn-157" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="margin-bottom:3pt;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%">(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases.</span></div></ix:footnote></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="bbva:DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" id="f-11472" continuedAt="f-11472-1" escape="true"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><table 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:21.858%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.846%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.878%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.850%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Deferred Annual Variable Remuneration (AVR) from previous financial years </span></div></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">2024</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><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><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%">2023</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></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Deferred AVR</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"/><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: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 #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:7pt;font-weight:700;line-height:120%">In shares </span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"/><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: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 #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:7pt;font-weight:700;line-height:120%">In shares</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" style="background-color:#ffffff;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:700;line-height:120%">Senior Management Total </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">(3)</span></div></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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="c-4711" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="f-11473">576</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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="shares" contextRef="c-4711" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11474">98,636</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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="c-4712" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" format="ixt:fixed-zero" scale="3" id="f-11475">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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="shares" contextRef="c-4712" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:fixed-zero" scale="0" id="f-11476">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4713" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="f-11477">526</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4713" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11478">125,129</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4714" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="f-11479">493</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4714" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11480">122,566</ix:nonFraction></span></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:top"><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="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4715" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="f-11481">490</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4715" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11482">119,207</ix:nonFraction></span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4716" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="f-11483">457</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4716" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11484">116,528</ix:nonFraction></span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4717" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="f-11485">56</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4717" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11486">14,340</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4718" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" format="ixt:num-dot-decimal" scale="3" id="f-11487">1,494</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4718" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11488">289,020</ix:nonFraction></span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4719" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="f-11489">314</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4719" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11490">77,447</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4720" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="f-11491">303</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4720" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11492">77,447</ix:nonFraction></span></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:top"><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;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;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="c-4721" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" format="ixt:fixed-zero" scale="3" id="f-11493">&#8212;</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 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="shares" contextRef="c-4721" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:fixed-zero" scale="0" id="f-11494">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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="c-4722" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" scale="3" id="f-11495">139</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;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="shares" contextRef="c-4722" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11496">36,454</ix:nonFraction></span></td></tr><tr><td colspan="6" 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:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;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="c-13" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" format="ixt:num-dot-decimal" scale="3" id="f-11497">1,963</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;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="shares" contextRef="c-13" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11498">434,759</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;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="c-20" decimals="-3" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash" format="ixt:num-dot-decimal" scale="3" id="f-11499">2,885</ix:nonFraction></span></td><td colspan="3" style="background-color:#5ac4c4;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="shares" contextRef="c-20" decimals="0" name="bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares" format="ixt:num-dot-decimal" scale="0" id="f-11500">642,015</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-158" continuedAt="fn-158-1" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Deferred remuneration payable after 2024 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who are beneficiaries will take place in 2025 in accordance with the remuneration policies applicable in each financial year and the vesting and payment rules set forth therein applicable to each member of Senior Management, based on when they became such a member: </span></ix:footnote></div><ix:continuation id="fn-158-1"><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">2023 Deferred AVR: the first payment of the Deferred STI is due to members of Senior Management. </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">2022 Deferred AVR: the second payment is due to members of Senior Management. </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: the third payment is due to members of Senior Management, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, the second payment of the deferred portion of a success bonus on the sale of BBVA USA is due to one member of Senior Management &#8212; an executive of BBVA USA at that time &#8212;. </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: the third and final payment is due to the members of Senior Management that are beneficiaries. In addition, the third and final payment of the deferred portion of a retention plan is payable to one member of Senior Management.</span></div></ix:continuation><ix:footnote id="fn-159" continuedAt="fn-159-1" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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 which was payable after the 2023 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who were beneficiaries took place in 2024 in accordance with the vesting and payment rules set forth in the remuneration policies applicable 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">2022 Deferred AVR: in 2024, the first payment was made to members of Senior Management. </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: in 2024, the second payment was made to members of Senior Management. </span></div></ix:footnote></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-179</span></div></div></div><hr style="page-break-after:always"/><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="f-11123-8" continuedAt="f-11123-9"><ix:continuation id="fn-159-1"><ix:continuation id="f-11472-1" continuedAt="f-11472-2"><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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, in 2024 the deferred portion of a success bonus on the sale of BBVA USA was paid to two members of the Senior Management &#8212; who were executives of BBVA USA at that time &#8212;. In 2024, one of them received the whole of the deferred portion and the other one received the first payment of the deferred portion, in accordance with the vesting and payment rules set out in the remuneration policies applicable to each of them in that 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">2019 Deferred AVR: in 2024, the second payment was made to the members of Senior Management who were beneficiaries. In addition, the second payment of the deferred portion of a retention plan was paid to a member of Senior Management. </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 2024, the third and final payment was made to the members of Senior Management who were beneficiaries. </span></div></ix:continuation></ix:continuation><ix:footnote id="fn-160" footnoteRole="http://www.xbrl.org/2003/role/footnote"><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%"><ix:continuation id="f-11472-2">(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases.</ix:continuation> </span></div></ix:footnote><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 order to meet the pension commitments made to members of Senior Management (16 members as of December 31, 2024, excluding the executive directors), a total combined amount of &#8364;4,226 thousand was recognized in financial year 2024 for the contingency of retirement. This amount is equivalent to the annual contribution agreed to cover the contingency of retirement, plus a further amount of &#8364;150 thousand pertaining to the upward adjustment of the &#8220;discretionary pension benefits&#8221; for financial year 2023, which were declared at the end of that financial year and which had to be included to the accumulated fund in 2024. In addition, an aggregate total amount of &#8364;1,181 thousand was paid in premiums to cover the contingencies of death and 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%">As of December 31, 2024, the total accumulated fund to meet the retirement commitments with members of Senior Management amounted to &#8364;40,549 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 to cover the contingency of retirement for members of Senior Management, will be based on variable components and will be considered &#8220;discretionary pension benefits&#8221;, and will therefore be subject to the conditions regarding delivery in shares, withholding, reduction and recovery established in the applicable regulations, as well as to any other conditions concerning variable remuneration that 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 2024 financial year, a total amount of &#8364;587 thousand was recognized in 2024 as &#8220;discretionary pension benefits&#8221;. Following the end of the financial year, and as in the case of the Chair, this amount was adjusted by applying the same criteria used to determine the Short-Term Incentive that is part of the Annual Variable Remuneration of the members of Senior Management for the 2024 financial year. As a result, the &#8220;discretionary pension benefits&#8221; for the year, corresponding to all members of Senior Management, have been calculated at a total combined amount of &#8364;741 thousand, which represents an upward adjustment of &#8364;154 thousand. These &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund in the 2025 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:nonNumeric contextRef="c-1" name="bbva:SeniorManagementTableTextBlock" id="f-11501" escape="true"><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 style="width:19.855%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.924%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.416%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.231%"/><td style="width:0.1%"/></tr><tr><td colspan="27" 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%">Pension systems (thousands of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="15" style="border-bottom:1pt solid #000000;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%">Contributions </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><td colspan="3" style="padding:0 1pt"/><td colspan="6" rowspan="2" 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%">Accumulated funds</span></div></td></tr><tr style="height:12pt"><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;vertical-align:middle"><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 colspan="6" 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:700;line-height:120%">Death and disability</span></td><td colspan="3" style="padding:0 1pt"/></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 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%">2024</span></div></td><td colspan="3" style="border-top:1pt solid #000000;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%">2023</span></div></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;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%">2024</span></div></td><td colspan="3" style="border-top:1pt solid #000000;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%">2023</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;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%">2024</span></div></td><td colspan="3" style="border-top:1pt solid #000000;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%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;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:700;line-height:120%">Senior Management Total </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="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="c-4723" decimals="-3" name="bbva:SeniorManagementRetirement" format="ixt:num-dot-decimal" scale="3" id="f-11502">4,226</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="c-4724" decimals="-3" name="bbva:SeniorManagementRetirement" format="ixt:num-dot-decimal" scale="3" id="f-11503">3,829</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-4723" decimals="-3" name="bbva:SeniorManagementDeathAndDisability" format="ixt:num-dot-decimal" scale="3" id="f-11504">1,181</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="c-4724" decimals="-3" name="bbva:SeniorManagementDeathAndDisability" format="ixt:num-dot-decimal" scale="3" id="f-11505">1,102</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><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="c-4723" decimals="-3" name="bbva:SeniorManagementFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="f-11506">40,549</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="c-4724" decimals="-3" name="bbva:SeniorManagementFundsAccumulated" format="ixt:num-dot-decimal" scale="3" id="f-11507">34,069</ix:nonFraction></span></td></tr></table><ix:footnote id="fn-161" 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) Contributions recognized to meet pension commitments with all Senior Management in financial years 2024 and 2023, which relate to the sum of the annual retirement pension contributions and the adjustments made to the &#8220;discretionary pension benefits&#8221; for 2023 and 2022 which were included in the accumulated fund in 2024 and 2023, respectively, and to the insurance premiums paid by the Bank for death and disability contingencies.</span></ix:footnote></div><ix:footnote id="fn-162" footnoteRole="http://www.xbrl.org/2003/role/footnote"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases.</span></div></ix:footnote></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%">Payments for termination of the contractual relationship </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="f-11123-9">Regarding Senior Management, excluding the executive directors, in 2024 the Bank did not make any severance payments arising from the termination of the contractual relationship.</ix:continuation> </span></div><div id="i22a2e436ff7c462c96898906283f922e_1114"></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><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfAdditionalInformationExplanatory" id="f-11508" continuedAt="f-11508-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Other information</span></ix:nonNumeric></div><ix:continuation id="f-11508-1"><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%">55.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:15.99pt">Environmental 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%">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, 2024, 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 financial statements in the Commercial Register is approved.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-180</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1117"></div><hr style="page-break-after:always"/><div style="min-height: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%">56.</span><ix:nonNumeric contextRef="c-1" name="bbva:DisclosureOfSubsequentEventsTextBlock" id="f-11509" continuedAt="f-11509-1" escape="true"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Subsequent events</span></ix:nonNumeric></div><ix:continuation id="f-11509-1"><div style="margin-bottom:10pt;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 14, 2025, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of USD 1 billion. This issuance is listed on the New York Stock Exchange and was targeted only at qualified investors, not being offered or sold to any retail clients. Likewise, on January 28, 2025, the Bank announced its irrevocable decision to redeem in whole on March 5, 2025, the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on September 5, 2019, for an amount of USD 1 billion on the First Reset Date and once the prior consent from the Regulator was obtained (see Note 22.4). In addition, on February 17, 2025 BBVA, S.A. announced a 12-year Tier 2 subordinated bond of &#8364;1 billion to be issued on February 25, with a call option in February 2032. </span></div><div style="margin-bottom: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%">On January 30, 2025, it was announced that a cash distribution in the amount of &#8364;0.41 gross per share to be paid presumably in April 2025 as the final dividend for the year 2024, and the execution of a share buyback program of BBVA for an amount of &#8364;993 million were planned to be proposed to the corresponding corporate bodies for consideration as ordinary remuneration to shareholders for 2024, subject to obtaining the corresponding regulatory authorizations and approval by the Board of Directors of the specific terms and conditions of the program, which will be communicated to the market prior to the start of its execution. Finally, on February 14, 2025 BBVA announced by means of an Inside Information filing with the CNMV, that the Board of Directors of BBVA has resolved to propose to the Annual General Shareholders&#8217; Meeting to be held on March 21, 2025 a cash distribution of &#8364;0.41 gross per share as a final dividend for 2024 to be paid on April 10, 2025.</span></div><div style="margin-bottom:10pt;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, 2025 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-181</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1120"></div><hr style="page-break-after:always"/><div style="min-height: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-20241231_g1.jpg" alt="BBVA_RGB.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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-182</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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, 2024</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 style="width:24.481%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.853%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.853%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.186%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.186%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.186%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.121%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><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%">31.12.2024</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%">31.12.2024</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%">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%">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%">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%">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%">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%">&#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%">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%">941</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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"><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%">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%">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%">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%">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%">874</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">860</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">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%">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%">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%">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%">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%">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%">&#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%">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%">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%">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%">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%">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%">40.01</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%">26.54</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: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%">597</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,350</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 &#8317;&#179;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;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%">47.13</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:6pt;font-weight:400;line-height:120%">47.13</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%">1,606</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,942</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">465</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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%">76</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">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%">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%">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%">267</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">659</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">93</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">115</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'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 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 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%">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%">&#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</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">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%">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%">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%">(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%">156</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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 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%">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%">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%">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%">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%">(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 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%">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%">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 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%">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%">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 COLOMBIA 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%">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%">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%">78.12</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%">18.22</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%">96.34</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'Arial',sans-serif;font-size:6pt;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:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(84)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 SA (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%">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%">&#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 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%">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%">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%">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 FUNDOS S.GESTORA FUNDOS PENSOES 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%">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%">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%">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 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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;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></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: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;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, 2024. 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 individual companies and foreign companies at exchange rate as of December 31, 2024. 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;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;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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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, 2024 (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:98.773%"><tr><td style="width:1.0%"/><td style="width:24.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.163%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.163%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.266%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.266%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.796%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.266%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.207%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.211%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><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"/><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">31.12.2024</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%">31.12.2024</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 GLOBAL SECURITIES, B.V.</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%">NETHERLANDS</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%">OTHER ISSUANCE COMPANIES</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%">BBVA GLOBAL WEALTH ADVISORS 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%">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%">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%">(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 HOLDING CHILE 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%">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%">290</span></td><td colspan="3" style="padding:2px 1pt;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%">BBVA INSTITUI&#199;AO FINANCEIRA DE CREDITO 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%">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%">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%">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 LEASING 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%">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%">257</span></td><td colspan="3" style="padding:2px 1pt;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 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%">(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%">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:6pt;font-weight:400;line-height:120%">BBVA MEXICO SA 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%">16,766</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">12,067</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4,699</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 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%">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%">68</span></td><td colspan="3" style="padding:2px 1pt;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 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%">348</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">74</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 SA 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%">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%">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%">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%">149</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,404</span></td><td colspan="3" style="padding:2px 1pt;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 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: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%">(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 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%">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 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%">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%">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%">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 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%">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: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 SEGUROS 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%">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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;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 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%">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><tr><td colspan="3" style="padding:2px 1pt;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 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%">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%">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%">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 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%">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%">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: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%">BBVA SEGUROS M&#201;XICO SA 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%">674</span></td><td colspan="3" style="padding:2px 1pt;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%">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:6pt;font-weight:400;line-height:120%">BBVA SEGUROS SA 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%">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%">251</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 SA 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%">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%">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%">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%">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%">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%">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%">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 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 TECHNOLOGY AMERICA 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%">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%">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%">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%">17</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 TECHNOLOGY 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%">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%">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%">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%">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 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%">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 VALORES COLOMBIA SA COMISIONISTA DE BOLSA</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">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%">BILBAO VIZCAYA INVESTMENTS SA UNIPERSONAL</span></td><td colspan="3" style="padding:2px 1pt;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%">482</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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: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%">CARTERA E INVERSIONES 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%">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%">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:6pt;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:'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%">CASA DE BOLSA BBVA 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%">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%">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%">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%">44</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CATALUNYACAIXA IMMOBILIARIA 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%">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%">159</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'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%">CATALUNYACAIXA SERVEIS 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%">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%">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%">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: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%">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%">CIERVANA 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%">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%">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: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%">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: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%">&#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></table></div><div style="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="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, 2024. 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 individual companies and foreign companies at exchange rate as of December 31, 2024. 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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, 2024 (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 style="width:20.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.062%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.388%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.892%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.892%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.892%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.892%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.892%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.895%"/><td style="width:0.1%"/></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"/><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/>31.12.2024</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/>31.12.2024</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%">COMERCIALIZADORA DE SERVICIOS FINANCIEROS, 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: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%">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: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%">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:5.5pt;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: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 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: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%">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:5.5pt;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:5.5pt;font-weight:400;line-height:120%">CONSOLIDAR A.F.J.P 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: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 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:5.5pt;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: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%">CORPORACION GENERAL FINANCIERA 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%">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%">939</span></td><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%">67</span></td></tr><tr><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 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: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%">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:5.5pt;font-weight:400;line-height:120%">466</span></td><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></tr><tr><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 SA 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 SA 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%">DIGITAL INVESTMENTS 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: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%">HOLDING THAT MANAGES MOSTLY FINANCIAL SUBSIDIARIES</span></td><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%">99.98</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: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%">100.01</span></td><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%">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: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%">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:5.5pt;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: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%">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%">(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%">EUROPEA DE TITULIZACION SA 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%">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:5.5pt;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:5.5pt;font-weight:400;line-height:120%">F/11395 FIDEICOMISO IRREVOCABLE DE ADMINISTRACION CON DERECHO DE REVERSION &#8317;&#179;&#8318;</span></td><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%">&#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%">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%">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%">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:5.5pt;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: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%">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%">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%">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%">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%">&#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%">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: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%">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%">&#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%">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:5.5pt;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: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%">FORUM COMERCIALIZADORA DEL PERU 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: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%">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%">FORUM DISTRIBUIDORA DEL PERU 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: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%">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%">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:5.5pt;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: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%">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: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%">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:5.5pt;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:5.5pt;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:5.5pt;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: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%">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:5.5pt;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:'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%">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:5.5pt;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: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%">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:5.5pt;font-weight:400;line-height:120%">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: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%">GARANTI BANK 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:5.5pt;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:5.5pt;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: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%">252</span></td><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%">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:5.5pt;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:5.5pt;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:5.5pt;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:5.5pt;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:5.5pt;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: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%">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:5.5pt;font-weight:400;line-height:120%">7,534</span></td><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%">6,743</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:5.5pt;font-weight:400;line-height:120%">2,468</span></td></tr><tr><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%">GARANTI BBVA DIJITAL VARLIKLAR 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:5.5pt;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: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%">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:5.5pt;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:5.5pt;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:5.5pt;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:5.5pt;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:5.5pt;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: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%">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:5.5pt;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:5.5pt;font-weight:400;line-height:120%">147</span></td><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%">114</span></td></tr><tr><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%">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:5.5pt;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: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%">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:5.5pt;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:5.5pt;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:5.5pt;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:5.5pt;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:5.5pt;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:5.5pt;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: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%">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:5.5pt;font-weight:400;line-height:120%">147</span></td><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%">56</span></td></tr><tr><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%">GARANTI BBVA FINANSAL TEKNOLOJILER 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:5.5pt;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: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%">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%">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: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%">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:5.5pt;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: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%">319</span></td><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%">213</span></td><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%">106</span></td></tr><tr><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%">GARANTI BBVA PORTFOY YONETIMI 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:5.5pt;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:5.5pt;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: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%">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: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%">29</span></td></tr></table></div><div style="margin-bottom:1pt;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;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, 2024. 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 individual companies and foreign companies at exchange rate as of December 31, 2024. The data of the companies in Turkey and Argentina are prior to the application of hyperinflation accounting.</span></div><div style="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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> </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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-185</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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, 2024 (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 style="width:27.272%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.946%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.721%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.326%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.427%"/><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:6.965%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"/><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/>31.12.2024</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/>31.12.2024</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%">GARANTI BBVA YATIRIM AS</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%">TURKEY</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%">&#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%">270</span></td><td colspan="3" style="border-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%">148</span></td><td colspan="3" style="border-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%">122</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">(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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">643</span></td><td colspan="3" style="padding:2px 1pt;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%">&#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%">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%">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%">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%">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%">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%">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%">(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%">GARANTI YATIRIM ORTAKLIGI AS &#8317;&#179;&#8318; &#8317;&#8308;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;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%">&#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%">GARANTIBANK 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%">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:6pt;font-weight:400;line-height:120%">751</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">101</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 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%">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%">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%">(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%">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 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%">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%">&#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%">GESCAT VIVENDES EN COMERCIALITZACIO 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%">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%">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%">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%">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%">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: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%">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%">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%">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%">GRAN JORGE JUAN 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%">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%">461</span></td><td colspan="3" style="padding:2px 1pt;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%">GRUPO FINANCIERO BBVA 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%">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%">9,395</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">14,614</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5,419</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">HANS 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%">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%">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%">(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%">INMUEBLES Y RECUPERACIONES BBVA 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%">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%">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%">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%">&#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%">INVERAHORRO 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%">335</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">339</span></td><td colspan="3" style="padding:2px 1pt;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 &#8317;&#179;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;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%">48</span></td><td colspan="3" style="padding:2px 1pt;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%">INVERSIONES BAPROBA 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: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%">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%">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%">MOTORACTIVE IFN 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%">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%">34</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">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%">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%">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%">&#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</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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: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%">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%">OPENPAY 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%">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%">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%">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%">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%">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; 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%">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%">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%">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%">(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%">OPENPAY 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%">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%">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%">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%">(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%">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 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%">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%">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%">8</span></td></tr></table></div><div style="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="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, 2024. 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 individual companies and foreign companies at exchange rate as of December 31, 2024. The data of the companies in Turkey and Argentina are prior to the application of hyperinflation accounting.</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%">(3) Full consolidation method is used according to accounting rules (see Glossary). </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%">(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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-186</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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, 2024 (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 style="width:22.000%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.357%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.442%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.224%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"/><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/>31.12.2024</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/>31.12.2024</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%">PECRI INVERSION 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%">INVESTMENT COMPANY</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%">68</span></td><td colspan="3" style="border-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%">69</span></td><td colspan="3" style="border-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)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">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%">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%">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%">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%">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%">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%">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%">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%">(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%">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%">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:6pt;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:'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 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%">&#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%">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: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%">(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%">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%">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%">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%">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%">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%">&#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><tr><td colspan="3" style="padding:2px 1pt;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 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%">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%">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%">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%">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%">RALFI IFN 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%">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%">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%">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%">(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%">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%">&#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%">SATICEM GESTIO 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%">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%">SATICEM HOLDING 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%">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%">SOCIEDAD DE ESTUDIOS Y ANALISIS FINANCIERO 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%">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%">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%">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%">&#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 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%">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%">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%">SPORT CLUB 18 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%">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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;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 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%">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%">1,230</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%">195</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">85</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 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%">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%">516</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">367</span></td><td colspan="3" style="padding:2px 1pt;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></tr><tr><td colspan="3" style="padding:2px 1pt;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 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%">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%">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: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%">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%">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%">32</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"/><td colspan="3" style="display:none"/></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"/><td colspan="3" style="display:none"/></tr></table></div><div style="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="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, 2024. 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 individual companies and foreign companies at exchange rate as of December 31, 2024. 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, 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-187</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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 II. Additional information on investments joint ventures and associates in the BBVA Group as of December 31, 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:120%">Most significant companies are included, which together represent 99.65% 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 style="width:23.091%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.220%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.063%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.063%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.063%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.217%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.147%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">% 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 colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><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%">Consolidated 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 31.12.2024</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 31.12.2024</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) 31.12.2024</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) 31.12.2024</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:#ffffff;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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="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: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%">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%">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%">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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">49.45</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%">&#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%">49.45</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%">222</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9,209</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8,709</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'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 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%">265</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,053</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:6pt;font-weight:400;line-height:120%">488</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">543</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">20.20</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%">20.20</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%">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%">290</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">CORPORACION SUICHE 7B 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%">19.80</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%">19.80</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%">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%">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%">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%">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%">FIDEICOMISO F/00185 FIMPE - FIDEICOMISO F/00185 PARA EXTENDER A LA SOCIEDAD LOS BENEFICIOS DEL ACCESO A LA INFRAESTRUCTURA DE LOS MEDIOS DE PAGO ELECTRONICOS</span></td><td colspan="3" style="padding:2px 1pt;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: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%">28.50</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%">28.50</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%">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><td colspan="3" style="padding:2px 1pt;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%">METROVACESA 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: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%">&#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%">20.85</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%">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%">2,456</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">884</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,581</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%">(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%">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%">REDSYS SERVICIOS DE PROCESAMIENTO 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%">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%">157</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'Arial',sans-serif;font-size:6pt;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:'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%">ROMBO 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: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%">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%">88</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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%">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></tr><tr><td colspan="3" style="padding:2px 1pt;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 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: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%">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%">SERVICIOS ELECTRONICOS GLOBALES 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: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%">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%">93</span></td><td colspan="3" style="padding:2px 1pt;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%">68</span></td><td colspan="3" style="padding:2px 1pt;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></tr><tr><td colspan="3" style="padding:2px 1pt;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 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: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%">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%">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%">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%">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%">SISTEMAS DE TARJETAS Y MEDIOS DE PAGO 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%">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%">482</span></td><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;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"><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 SA &#8317;&#178;&#8318;</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%">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%">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%">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%">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%">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%">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%">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%">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%">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%">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: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%">29.38</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%">29.38</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%">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%">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%">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%">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%">4</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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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"/><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;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 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"/><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:6pt;font-weight:400;line-height:120%">ALTURA MARKETS SOCIEDAD DE VALORES 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%">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%">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%">1,749</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,673</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">COMPA&#209;IA MEXICANA DE PROCESAMIENTO 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: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%">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%">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><td colspan="3" style="padding:2px 1pt;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"><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. &#8317;&#179;&#8318;</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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">F/ 5356 FIDEICOMISO IRREVOCABLE DE ADM. INMOBILIARIA CON DERECHO DE REVERSI&#211;N- FIDEICOMISO SELVA</span></td><td colspan="3" style="padding:2px 1pt;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%">FIDEICOMISO 1729 INVEX ENAJENACION DE CARTERA &#8317;&#179;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;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%">179</span></td><td colspan="3" style="padding:2px 1pt;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%">179</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">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%">(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%">RCI COLOMBIA SA 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%">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%">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:6pt;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:'Arial',sans-serif;font-size:6pt;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:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8212;</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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In foreign companies the exchange rate of December 31, 2024 is applied. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Financial Statements as of December 31, 2023.</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%">(3) 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:130%">This Appendix is part of Notes 3 and 16.1 of the consolidated financial statements for the year ended December 31, 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-188</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1129"></div><hr style="page-break-after:always"/><div style="min-height: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 2024</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 style="width:49.439%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.389%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Company </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="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%">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:7pt;font-weight:700;line-height:120%">Total voting rights</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">controlled after the</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:700;line-height:120%">Effective date for the last 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:7pt;font-weight:400;line-height:120%">BANCO BBVA PER&#218; SA</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:7pt;font-weight:400;line-height:120%">ACQUISITION</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%">47.13</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%">17-Sep-24</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%">BBVA COLOMBIA SA</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:7pt;font-weight:400;line-height:120%">CAPITAL INCREASE</span></td><td colspan="3" style="border-bottom: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%">96.35</span></td><td colspan="3" style="border-bottom: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%">12-Sep-24</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="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="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="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="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="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="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="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="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="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="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="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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="text-align:justify"><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:#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 style="width:49.439%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.389%"/><td style="width:0.1%"/></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:7pt;font-weight:700;line-height:120%">Company </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 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%">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:7pt;font-weight:700;line-height:120%">Total voting rights</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">controlled after the</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:700;line-height:120%">Effective date for the last 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:7pt;font-weight:400;line-height:120%">OPCION VOLCAN, 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:7pt;font-weight:400;line-height:120%">MERGER</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:7pt;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:7pt;font-weight:400;line-height:120%">19-Nov-24</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%">CONTRATACION DE PERSONAL, 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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">19-Nov-24</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%">MULTIASISTENCIA SERVICIOS 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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">25-Jan-24</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%">MULTIASISTENCIA OPERADORA 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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">25-Jan-24</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%">MISAPRE, 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:7pt;font-weight:400;line-height:120%">LIQUIDATION</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">10-Dec-24</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%">SERVICIOS CORPORATIVOS DE SEGUROS, 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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">19-Nov-24</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%">FINANCIERA AYUDAMOS S.A. DE C.V., SOFOMER</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:7pt;font-weight:400;line-height:120%">LIQUIDATION</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">27-Jun-24</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%">DATA ARCHITECTURE AND TECHNOLOGY MEXICO SA DE CV</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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">15-Oct-24</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%">DATA ARQUITECTURE AND TECHNOLOGY OPERADORA SA DE CV</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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">15-Oct-24</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%">BBVA SERVICIOS CORPORATIVOS MEXICO, 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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">19-Nov-24</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%">SERVICIOS EXTERNOS DE APOYO EMPRESARIAL, 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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">19-Nov-24</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%">BBVA NEXT TECHNOLOGIES, 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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">15-Oct-24</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%">BBVA NEXT TECHNOLOGIES OPERADORA, 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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">15-Oct-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:7pt;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:7pt;font-weight:400;line-height:120%">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:7pt;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:7pt;font-weight:400;line-height:120%">31-Oct-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:7pt;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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">15-Oct-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:7pt;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:7pt;font-weight:400;line-height:120%">MERGER</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">15-Oct-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:7pt;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:7pt;font-weight:400;line-height:120%">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:7pt;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:7pt;font-weight:400;line-height:120%">11-Jul-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:7pt;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:7pt;font-weight:400;line-height:120%">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:7pt;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:7pt;font-weight:400;line-height:120%">29-Nov-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:7pt;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:7pt;font-weight:400;line-height:120%">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:7pt;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:7pt;font-weight:400;line-height:120%">30-Nov-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:7pt;font-weight:400;line-height:120%">PORTICO PROCAM, S.L.(EN LIQUIDACI&#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:7pt;font-weight:400;line-height:120%">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:7pt;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:7pt;font-weight:400;line-height:120%">16-May-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:7pt;font-weight:400;line-height:120%">CAIXA MANRESA IMMOBILIARIA ON CASA 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%">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:7pt;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:7pt;font-weight:400;line-height:120%">30-Nov-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:7pt;font-weight:400;line-height:120%">SATICEM IMMOBLES EN ARRENDAMENT SL ( EN LIQUIDACI&#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:7pt;font-weight:400;line-height:120%">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:7pt;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:7pt;font-weight:400;line-height:120%">16-May-24</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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="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="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%">Changes and notifications of participations in the BBVA Group in 2024 (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:99.893%"><tr><td style="width:1.0%"/><td style="width:49.439%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.389%"/><td style="width:0.1%"/></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:7pt;font-weight:700;line-height:120%">Company </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="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:7pt;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:7pt;font-weight:700;line-height:120%">Total voting rights</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">controlled after the</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:700;line-height:120%">Effective date for the last 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:7pt;font-weight:400;line-height:120%">PLAY DIGITAL SA</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:7pt;font-weight:400;line-height:120%">CAPITAL INCREASE</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%">12.16</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%">31-Dec-24</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;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;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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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"><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="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:49.439%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.389%"/><td style="width:0.1%"/></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:7pt;font-weight:700;line-height:120%">Company </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="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%">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:7pt;font-weight:700;line-height:120%">Total voting rights</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">controlled after the</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:700;line-height:120%">Effective date for the last 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:7pt;font-weight:400;line-height:120%">COMPA&#209;IA ESPA&#209;OLA DE FINANCIACION DEL DESARROLLO SA</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:7pt;font-weight:400;line-height:120%">SHAREHOLDERS AGREEMENT</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%">16.67</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%">01-May-24</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%">AUREA, S.A. (CUBA)</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:7pt;font-weight:400;line-height:120%">LIQUIDATION</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%">&#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:7pt;font-weight:400;line-height:120%">01-Mar-24</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%">TELEFONICA FACTORING MEXICO SA DE CV</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:7pt;font-weight:400;line-height:120%">LIQUIDATION</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%">&#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:7pt;font-weight:400;line-height:120%">04-Sep-24</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%">NUEVO MARKETPLACE, 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:7pt;font-weight:400;line-height:120%">LIQUIDATION</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%">&#8212;</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%">01-Feb-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: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%">DILUTION PARTIC.</span></td><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%">29.38</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%">12-Jan-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:7pt;font-weight:400;line-height:120%">SOLARIS SE</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">DILUTION PARTIC.</span></td><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%">14.70</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%">31-Mar-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:7pt;font-weight:400;line-height:120%">EURO LENDERT, S.L. (EN LIQUIDACI&#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:7pt;font-weight:400;line-height:120%">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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-bottom: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%">02-May-24</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></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:130%">This Appendix is part of Notes 3 and 16.1 of the consolidated financial statements for the year ended December 31, 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-190</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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, 2024</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 style="width:45.671%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.364%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.821%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.821%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.823%"/><td style="width:0.1%"/></tr><tr><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"/><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%">47.13</span></td><td colspan="3" style="border-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%">47.13</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%">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%">48.00</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%">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%">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%">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%">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%">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%">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%">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:130%">This Appendix is part of Note 3 of the consolidated financial statements for the year ended December 31, 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-191</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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. BBVA Group&#8217;s securitization funds. Structured entities in 2024</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">.</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 style="width:22.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.876%"/><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:11.842%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.007%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"/><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, 2024</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 19 MIXTO FTA</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%">27-Feb-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%">600</span></td><td colspan="3" style="border-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%">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%">TDA 22 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%">09-Dec-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%">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:7pt;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: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%">81</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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%">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%">62</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">104</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">445</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">137</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">838</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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%">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%">85</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">809</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">75</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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:7pt;font-weight:400;line-height:120%">GAT VPO </span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">244</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">62</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">324</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">321</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">505</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">1,751</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 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%">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%">8,884</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">532</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 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%">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%">1,190</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 12 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%">13-Mar-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%">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%">1,675</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 2023-1</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%">08-Jun-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%">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%">557</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 3 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-Nov-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%">2,400</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%">1,421</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 13 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%">11-Mar-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: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%">1,520</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 2024-1</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%">20-May-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: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%">664</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 23 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%">13-Jun-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:7pt;font-weight:400;line-height:120%">5,450</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,181</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%">BBVA CONSUMER AUTO 2024-1</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%">16-Sep-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: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%">948</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-192</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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, 2024, 2023 and 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:130%">Outstanding as of December 31, 2024, 2023 and 2022 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 style="width:31.565%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.999%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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%">Nominal value. Millions of Euros</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/></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: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 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 2024</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 2023</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;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, 2024</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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"/></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 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="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:0 1pt"/></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:7pt;font-weight:400;line-height:120%">March-08</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">125</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">125</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">125</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">March-33</span></td></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:7pt;font-weight:400;line-height:120%">July-08</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">100</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">July-23</span></td></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:7pt;font-weight:400;line-height:120%">March-19</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:7pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">1,000</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">Perpetual</span></td></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:7pt;font-weight:400;line-height:120%">July-20</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">1,000</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">1,000</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">1,000</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">Perpetual</span></td></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:7pt;font-weight:400;line-height:120%">February-17</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">999</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">1,000</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">1,000</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">February-27</span></td></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:7pt;font-weight:400;line-height:120%">February-17</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">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:bottom"><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="border-left:1pt solid #FFFFFF;border-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%">99</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">February-32</span></td></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:7pt;font-weight:400;line-height:120%">March-17</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">65</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">65</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">65</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">February-32</span></td></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:7pt;font-weight:400;line-height:120%">May-17</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">150</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">150</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">150</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">May-27</span></td></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:7pt;font-weight:400;line-height:120%">September-18</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">1,000</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">Perpetual</span></td></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:7pt;font-weight:400;line-height:120%">February-19</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:7pt;font-weight:400;line-height:120%">750</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">750</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">February-29</span></td></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:7pt;font-weight:400;line-height:120%">January-20</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">994</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">994</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">994</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:bottom"><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="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">January-30</span></td></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:7pt;font-weight:400;line-height:120%">June-23</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">745</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">741</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#8212;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.75&#160;</span></td><td style="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">September-33</span></td></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:7pt;font-weight:400;line-height:120%">June-23</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">1,000</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">1,000</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#8212;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.38&#160;</span></td><td style="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">Perpetual</span></td></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:7pt;font-weight:400;line-height:120%">February-24</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">1,247</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:7pt;font-weight:400;line-height:120%">&#8212;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.88&#160;</span></td><td style="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:7pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" 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:7pt;font-weight:400;line-height:120%">February-36</span></td></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:7pt;font-weight:400;line-height:120%">June-24</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">750</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:7pt;font-weight:400;line-height:120%">&#8212;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.88&#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: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:bottom"><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:#ffffff;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:7pt;font-weight:400;line-height:120%">August-24</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:bottom"><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="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-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%">996</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:bottom"><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="background-color:#ffffff;border-left:1pt solid #FFFFFF;border-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%">&#8212;</span></td><td colspan="2" style="background-color:#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:7pt;font-weight:400;line-height:120%">4.38&#160;</span></td><td style="background-color:#ffffff;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:7pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="3" style="background-color:#ffffff;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:7pt;font-weight:400;line-height:120%">August-36</span></td></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:7pt;font-weight:400;line-height:120%">Different issued</span></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:7pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">128</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">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:7pt;font-weight:400;line-height:120%">177</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;&#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:7pt;font-weight:400;line-height:120%">%</span></td><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="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="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="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;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 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:8pt;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:8pt;font-weight:700;line-height:120%">8,299</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%">7,050</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%">6,460</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"/></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, 2024, 2023 and 2022 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:99.893%"><tr><td style="width:1.0%"/><td style="width:31.719%"/><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:9.839%"/><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:11.380%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.845%"/><td style="width:0.1%"/></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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">Nominal value. 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 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"/></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 2024</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 2023</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 #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, 2024</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:bottom"><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 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"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"/></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: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 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"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"/></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%">March-17</span></td><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%">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:7pt;font-weight:400;line-height:120%">116</span></td><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%">109</span></td><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%">113</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:7pt;font-weight:400;line-height:120%">5.70&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">March-32</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%">November-17</span></td><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%">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:7pt;font-weight:400;line-height:120%">963</span></td><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%">905</span></td><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%">938</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:7pt;font-weight:400;line-height:120%">6.13&#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: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:bottom"><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:bottom"><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:bottom"><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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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:7pt;font-weight:400;line-height:120%">269</span></td><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%">279</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:7pt;font-weight:400;line-height:120%">5.25&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">May-33</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%">September-19</span></td><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%">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:7pt;font-weight:400;line-height:120%">963</span></td><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%">905</span></td><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%">938</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:7pt;font-weight:400;line-height:120%">6.50&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">Perpetual</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%">September-23</span></td><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%">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:7pt;font-weight:400;line-height:120%">963</span></td><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%">905</span></td><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%">&#8212;</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:7pt;font-weight:400;line-height:120%">9.38&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">Perpetual</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%">November-23</span></td><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%">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:7pt;font-weight:400;line-height:120%">722</span></td><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%">679</span></td><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%">&#8212;</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:7pt;font-weight:400;line-height:120%">7.88&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">November-34</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"/></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%">May-17</span></td><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%">CHF</span></td><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%">21</span></td><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%">22</span></td><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%">20</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:7pt;font-weight:400;line-height:120%">1.60&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">May-27</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"/></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%">July-20</span></td><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%">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:7pt;font-weight:400;line-height:120%">362</span></td><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%">345</span></td><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%">338</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:7pt;font-weight:400;line-height:120%">3.10&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">July-31</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%">August-23</span></td><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%">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:7pt;font-weight:400;line-height:120%">361</span></td><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%">345</span></td><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%">&#8212;</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:7pt;font-weight:400;line-height:120%">8.25&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">November-33</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"/></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">4,756</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">4,483</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">2,625</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">BBVA GLOBAL FINANCE LTD (1)</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"/></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%">December-95</span></td><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%">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:7pt;font-weight:400;line-height:120%">192</span></td><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%">179</span></td><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%">187</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:7pt;font-weight:400;line-height:120%">7.00&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">December-25</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">192</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">179</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">187</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">BBVA BANCOMER S.A. INSTITUCION DE BANCA MULTIPLE GRUPO FINANCIERO BBVA BANCOMER</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"/></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%">November-14</span></td><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%">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:7pt;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:7pt;font-weight:400;line-height:120%">178</span></td><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%">187</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:7pt;font-weight:400;line-height:120%">5.35&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">November-29</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%">January-18</span></td><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%">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:7pt;font-weight:400;line-height:120%">967</span></td><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%">903</span></td><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%">935</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:7pt;font-weight:400;line-height:120%">5.13&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">January-33</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%">September-19</span></td><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%">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:7pt;font-weight:400;line-height:120%">724</span></td><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%">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:7pt;font-weight:400;line-height:120%">702</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:7pt;font-weight:400;line-height:120%">5.88&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">September-34</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%">June-23</span></td><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%">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:7pt;font-weight:400;line-height:120%">965</span></td><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%">906</span></td><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%">&#8212;</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:7pt;font-weight:400;line-height:120%">8.45&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">June-38</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%">January-24</span></td><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%">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:7pt;font-weight:400;line-height:120%">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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">8.13&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">January-39</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">3,528</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">2,663</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">BANCO BILBAO VIZCAYA ARGENTARIA URUGUAY S.A.</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:0 1pt"/></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%">November-17</span></td><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%">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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">1</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:7pt;font-weight:400;line-height:120%">8.44&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">February-64</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:0 1pt"/></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The issuances of BBVA Global Finance, Ltd, are guaranteed (secondary liability) by the Bank.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-193</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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, 2024, 2023 and 2022 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:99.893%"><tr><td style="width:1.0%"/><td style="width:31.565%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.999%"/><td style="width:0.1%"/></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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">Nominal value. 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 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"/></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 <br/>2024</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 <br/>2023</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 <br/>2022</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:bottom"><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 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"/><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="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%">September-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%">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:7pt;font-weight:400;line-height:120%">34</span></td><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%">37</span></td><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%">30</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:7pt;font-weight:400;line-height:120%">10.14&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">September-26</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%">February-13</span></td><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%">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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">39</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:7pt;font-weight:400;line-height:120%">16.58&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">February-23</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%">February-13</span></td><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%">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:7pt;font-weight:400;line-height:120%">36</span></td><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%">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:7pt;font-weight:400;line-height:120%">32</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:7pt;font-weight:400;line-height:120%">8.79&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">February-28</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%">November-14</span></td><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%">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:7pt;font-weight:400;line-height:120%">20</span></td><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%">21</span></td><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%">18</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:7pt;font-weight:400;line-height:120%">9.30&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">November-29</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%">November-14</span></td><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%">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:7pt;font-weight:400;line-height:120%">27</span></td><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%">27</span></td><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%">20</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:7pt;font-weight:400;line-height:120%">9.43&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">November-34</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%">April-15</span></td><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%">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:7pt;font-weight:400;line-height:120%">385</span></td><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%">362</span></td><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%">375</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:7pt;font-weight:400;line-height:120%">4.88&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">April-25</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%">November-24</span></td><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%">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:7pt;font-weight:400;line-height:120%">48</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">8.19&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">November-34</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"/></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:0 1pt"/><td colspan="3" 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%">550</span></td><td colspan="3" 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%">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%">514</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/></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%">BANCO BBVA PER&#218;</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"/></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%">June-07</span></td><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%">PEN</span></td><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%">25</span></td><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%">24</span></td><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%">23</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:7pt;font-weight:400;line-height:120%">3.47&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">June-32</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%">November-07</span></td><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%">PEN</span></td><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%">23</span></td><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%">21</span></td><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%">21</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:7pt;font-weight:400;line-height:120%">3.56&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">November-32</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%">July-08</span></td><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%">PEN</span></td><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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">18</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:7pt;font-weight:400;line-height:120%">3.06&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">July-23</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%">September-08</span></td><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%">PEN</span></td><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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">20</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:7pt;font-weight:400;line-height:120%">3.09&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">September-23</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%">December-08</span></td><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%">PEN</span></td><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%">13</span></td><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%">12</span></td><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%">12</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:7pt;font-weight:400;line-height:120%">4.19&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">December-33</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%">February-08</span></td><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%">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:7pt;font-weight:400;line-height:120%">20</span></td><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%">18</span></td><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%">19</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:7pt;font-weight:400;line-height:120%">6.47&#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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">February-28</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%">October-13</span></td><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%">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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">6.53&#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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">October-28</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%">September-14</span></td><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%">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:7pt;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:7pt;font-weight:400;line-height:120%">267</span></td><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%">270</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:7pt;font-weight:400;line-height:120%">5.25&#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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">September-29</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%">March-24</span></td><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%">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:7pt;font-weight:400;line-height:120%">291</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">6.20&#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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">March-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:0 1pt"/><td colspan="3" 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%">372</span></td><td colspan="3" 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%">342</span></td><td colspan="3" 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%">426</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/></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%">GARANTI BBVA AS</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"/></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%">May-17</span></td><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%">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:7pt;font-weight:400;line-height:120%">579</span></td><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%">667</span></td><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%">698</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:7pt;font-weight:400;line-height:120%">7.30&#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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">May-27</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%">February-24</span></td><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%">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:7pt;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:#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:bottom"><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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.55&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">February-34</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%">December-24</span></td><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%">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:7pt;font-weight:400;line-height:120%">705</span></td><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%">&#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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">8.29&#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:7pt;font-weight:400;line-height:120%">%</span></td><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%">January-35</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%">October-19</span></td><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%">TRY</span></td><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%">&#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:7pt;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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</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:7pt;font-weight:400;line-height:120%">46.02&#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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">October-29</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%">February-20</span></td><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%">TRY</span></td><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%">20</span></td><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%">23</span></td><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%">38</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:7pt;font-weight:400;line-height:120%">62.47&#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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">February-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:0 1pt"/><td colspan="3" 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%">1,775</span></td><td colspan="3" 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%">749</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/></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 Issues in other currencies</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" 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%">11,173</span></td><td colspan="3" 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%">8,851</span></td><td colspan="3" 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%">6,326</span></td><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/><td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"/></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%">Additionally, the Group maintains an issuance of preferred shares in Colombia that amounts to &#8364;1 million as of December 31, 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-194</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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: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, 2024, 2023 and 2022</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 style="width:40.348%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.612%"/><td style="width:0.1%"/></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%">BALANCE SHEETS HELD IN FOREIGN CURRENCY (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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: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 2024</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"/></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 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="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%">20,836</span></td><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%">6,899</span></td><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%">3,334</span></td><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%">4,400</span></td><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%">35,469</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">18,727</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,117</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">6,171</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47,274</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">1,525</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,002</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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%">9,778</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">9,674</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,493</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,299</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:7pt;font-weight:400;line-height:120%">4,994</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%">35,461</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">67,256</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83,444</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40,105</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52,379</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">243,185</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">&#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%">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%">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:7pt;font-weight:400;line-height:120%">607</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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:7pt;font-weight:400;line-height:120%">2,256</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,013</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,333</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%">5,770</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">(326)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,125</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%">2,457</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,363</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,619</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%">117,860</span></td><td colspan="3" 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%">148,353</span></td><td colspan="3" 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%">50,553</span></td><td colspan="3" 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%">73,396</span></td><td colspan="3" 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%">390,162</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 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="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%">14,474</span></td><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%">18,660</span></td><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%">268</span></td><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%">2,776</span></td><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%">36,178</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">95,613</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88,375</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%">39,187</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%">55,748</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%">278,923</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">4,039</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%">20,665</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%">1,338</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,636</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28,679</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%">114,126</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%">127,700</span></td><td colspan="3" 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%">40,793</span></td><td colspan="3" 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%">61,160</span></td><td colspan="3" 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%">343,780</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 2023</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"/></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 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="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%">13,372</span></td><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%">7,581</span></td><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%">3,764</span></td><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%">4,089</span></td><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%">28,807</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">21,147</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28,570</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%">282</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,806</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">55,806</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">1,292</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%">6,596</span></td><td colspan="3" style="padding:2px 1pt;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%">186</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,079</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">9,384</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20,767</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,785</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,484</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36,421</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">58,732</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">81,907</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31,298</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:7pt;font-weight:400;line-height:120%">46,122</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:7pt;font-weight:400;line-height:120%">218,059</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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%">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:7pt;font-weight:400;line-height:120%">614</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">105</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,609</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,446</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">995</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,155</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">(1,049)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,872</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%">1,761</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,346</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,930</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%">102,988</span></td><td colspan="3" 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%">154,922</span></td><td colspan="3" 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%">40,341</span></td><td colspan="3" 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%">64,619</span></td><td colspan="3" 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%">362,870</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 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="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%">21,204</span></td><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%">17,829</span></td><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%">207</span></td><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%">2,705</span></td><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%">41,946</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">78,365</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%">95,685</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,127</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50,900</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">255,076</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">3,223</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%">20,186</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,048</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,801</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27,258</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%">102,792</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:7pt;font-weight:700;line-height:120%">133,700</span></td><td colspan="3" 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%">31,382</span></td><td colspan="3" 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%">56,406</span></td><td colspan="3" 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%">324,280</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318;</span></div></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"/></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 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="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%">16,028</span></td><td colspan="3" style="padding:2px 1pt;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%">8,841</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%">36,358</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">70,744</span></td><td colspan="3" style="padding:2px 1pt;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%">42,173</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">195,103</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">4,609</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,789</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,070</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,103</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%">125,984</span></td><td colspan="3" 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%">36,994</span></td><td colspan="3" 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%">63,036</span></td><td colspan="3" 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%">317,872</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 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="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%">75,029</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%">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%">48,984</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">226,277</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">16,397</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%">1,216</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,067</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,428</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%">109,535</span></td><td colspan="3" 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%">26,016</span></td><td colspan="3" 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%">52,549</span></td><td colspan="3" 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%">278,268</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">This Appendix is part of Notes 2.2.17 of the consolidated financial statements for the year ended December 31, 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-195</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_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:120%">APPENDIX VIII. Quantitative information on refinancing and restructuring operations and other requirements under Bank of Spain Circular 6/2012</span></div><div id="i22a2e436ff7c462c96898906283f922e_1147"></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, 2024, 2023 and 2022 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 style="width:28.175%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.069%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.069%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.001%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 2024 BALANCE OF FORBEARANCE (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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 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 colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><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 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%">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%">37</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</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%">&#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%">(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%">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%">297</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><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%">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:'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</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></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%">102,661</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%">3,265</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%">7,726</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%">1,966</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%">851</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%">203</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%">(2,067)</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%">445</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%">349</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%">569</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%">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:6pt;font-style:italic;font-weight:400;line-height:120%">81</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%">10</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%">(335)</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%">348,925</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,894</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%">54,201</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4,181</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%">2,972</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%">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:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1,726)</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%">451,921</span></td><td colspan="3" 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%">5,203</span></td><td colspan="3" 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%">61,951</span></td><td colspan="3" 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%">6,156</span></td><td colspan="3" 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%">3,827</span></td><td colspan="3" 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%">231</span></td><td colspan="3" 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%">(3,805)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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 colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><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 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%">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%">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</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%">&#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%">(4)</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%">179</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%">13</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</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%">(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="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%">77,926</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,072</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%">4,989</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%">1,093</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%">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:'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%">(1,808)</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%">332</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%">347</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%">429</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%">121</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%">31</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%">7</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%">(328)</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%">247,529</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,095</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%">31,775</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%">2,572</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%">1,613</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1,519)</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%">325,657</span></td><td colspan="3" 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%">3,181</span></td><td colspan="3" 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%">36,781</span></td><td colspan="3" 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%">3,671</span></td><td colspan="3" 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%">2,008</span></td><td colspan="3" 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%">35</span></td><td colspan="3" 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%">(3,336)</span></td></tr></table></div><div style="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 style="width:28.021%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.616%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 2023 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 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 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 colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><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 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%">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%">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%">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%">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%">&#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%">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%">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: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%">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%">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%">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><td colspan="3" style="padding:2px 1pt;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%">79,943</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,870</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10,602</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,395</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,053</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:6pt;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:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2,422)</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%">703</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><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%">717</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%">269</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%">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:6pt;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:6pt;font-style:italic;font-weight:400;line-height:120%">(428)</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%">242,532</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,390</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">63,320</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4,642</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3,380</span></td><td colspan="3" style="padding:2px 1pt;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%">(1,677)</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%">322,817</span></td><td colspan="3" 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%">5,308</span></td><td colspan="3" 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%">73,970</span></td><td colspan="3" 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%">7,055</span></td><td colspan="3" 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%">4,443</span></td><td colspan="3" 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%">287</span></td><td colspan="3" 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%">(4,111)</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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 colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"/><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 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%">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%">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><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;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%">(4)</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%">206</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">(4)</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%">59,133</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,409</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6,483</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,323</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:6pt;font-weight:400;line-height:120%">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%">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%">(2,070)</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%">491</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%">417</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%">540</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%">196</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%">66</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%">(417)</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%">158,595</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">900</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">36,108</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%">3,001</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1,957</span></td><td colspan="3" style="padding:2px 1pt;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%">(1,519)</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%">217,959</span></td><td colspan="3" 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%">3,329</span></td><td colspan="3" 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%">42,612</span></td><td colspan="3" 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%">4,330</span></td><td colspan="3" 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%">2,432</span></td><td colspan="3" 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%">62</span></td><td colspan="3" 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%">(3,597)</span></td></tr></table></div><div style="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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"><table 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:28.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.299%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.537%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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 2022 BALANCE OF FORBEARANCE (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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 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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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 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 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 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 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 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 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 colspan="3" style="border-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%">57&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">38&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 colspan="3" style="padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-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%">303&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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 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%">6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-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%">75,713&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">5,882&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">8,687&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">2,792&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">1,238&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">223&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 1pt;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="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%">460</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%">479</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%">819</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%">383</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%">164</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%">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:6pt;font-style:italic;font-weight:400;line-height:120%">(497)</span></td></tr><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%">231,910&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">1,412&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">79,666&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">4,969&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">3,702&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 colspan="3" style="padding:2px 1pt;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="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%">307,983</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 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%">7,343</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 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%">88,399</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 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%">7,778</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 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%">4,946</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 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%">246</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 colspan="3" 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 style="height:12pt"><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="background-color:#ffffff;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:0 1pt;text-indent:-0.18pt"/><td colspan="21" style="border-right: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:6pt;font-weight:700;line-height:120%">Of which: IMPAIRED</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"/><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 colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"/><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 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 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 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 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 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 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 colspan="3" style="border-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%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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%">23&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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 colspan="3" style="padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-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%">232&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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 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 colspan="3" style="padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-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%">59,944&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">3,104&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">6,005&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">1,604&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">500&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">66&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 1pt;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="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%">414</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%">475</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%">620</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%">269</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%">82</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%">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:6pt;font-style:italic;font-weight:400;line-height:120%">(480)</span></td></tr><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%">124,228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">871&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">37,043&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">2,514&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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%">1,607&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><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&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 1pt;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="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%">184,430</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 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%">4,004</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 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%">43,088</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 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%">4,130</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 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%">2,113</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 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%">70</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 colspan="3" 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><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, 2024, 2023 and 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:99.585%"><tr><td style="width:1.0%"/><td style="width:68.297%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.103%"/><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%">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 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%">2024</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%">2023</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></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%">32</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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></tr><tr><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%">22</span></td><td colspan="3" style="padding:2px 1pt;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></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%">3,163</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,843</span></td><td colspan="3" style="padding:2px 1pt;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></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%">195</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%">261</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></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%">4,349</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%">4,354</span></td><td colspan="3" style="padding:2px 1pt;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></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%">7,553</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,251</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;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></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%">&#8212;</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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: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%">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="margin-bottom:10pt;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, 2024 and December 31, 2023, 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 style="width:77.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.531%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.533%"/><td style="width:0.1%"/></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 by type of renegotiated loan</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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%">2024</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%">2023</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%">28&#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%">42&#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%">61&#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%">60&#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%">88&#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%">89&#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%">60&#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%">65&#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="i22a2e436ff7c462c96898906283f922e_1150"></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="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:27.097%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.912%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.688%"/><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%">December 2024 (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="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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%">22,011</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%">245</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%">6,059</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%">902</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%">2,472</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%">441</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%">2,143</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%">346</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%">28,150</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">683</span></td><td colspan="3" style="background-color:#ffffff;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%">16,999</span></td><td colspan="3" style="background-color:#ffffff;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%">357</span></td><td colspan="3" style="background-color:#ffffff;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%">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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,469</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%">8,208</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%">203,240</span></td><td colspan="3" style="background-color:#ffffff;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%">27,815</span></td><td colspan="3" style="background-color:#ffffff;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%">11,047</span></td><td colspan="3" style="background-color:#ffffff;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%">13,453</span></td><td colspan="3" style="background-color:#ffffff;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%">7,828</span></td><td colspan="3" style="background-color:#ffffff;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%">4,865</span></td><td colspan="3" style="background-color:#ffffff;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%">4,888</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,828</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%">6,572</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,304</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">1,947</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,299</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">700</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-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%">334</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%">6,837</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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%">386</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:#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%">89</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">356</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%">189,831</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%">22,929</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,394</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,278</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,255</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,077</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,575</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%">7,138</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%">128,917</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,955</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,915</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">2,417</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,906</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,312</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%">5,070</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%">60,914</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,974</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,479</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,113</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%">3,838</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">2,263</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%">2,069</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%">170,213</span></td><td colspan="3" style="background-color:#ffffff;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%">95,846</span></td><td colspan="3" style="background-color:#ffffff;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%">2,387</span></td><td colspan="3" style="background-color:#ffffff;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%">23,100</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,889</span></td><td colspan="3" style="background-color:#ffffff;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%">31,365</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,450</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%">4,430</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%">98,560</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,573</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">22,569</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,301</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,099</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,794</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%">3,920</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%">67,225</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%">584</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,004</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%">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%">440</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">1,462</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%">308</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%">4,427</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%">689</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%">272</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%">289</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%">148</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%">130</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%">193</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></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%">423,613</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">124,590</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,492</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,812</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,565</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%">36,943</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,950</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,812</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 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="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%">7,553</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%">4,268</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%">234</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%">993</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%">1,005</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%">900</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%">702</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%">902</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="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="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="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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: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 style="width:27.867%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.528%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.836%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.528%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.528%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.528%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.528%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.534%"/><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%">December 2023 (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="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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%">23,025</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%">271</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%">7,104</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%">1,137</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%">2,911</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%">429</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%">2,369</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%">527</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%">23,086</span></td><td colspan="3" style="background-color:#ffffff;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%">525</span></td><td colspan="3" style="background-color:#ffffff;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%">13,315</span></td><td colspan="3" style="background-color:#ffffff;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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">378</span></td><td colspan="3" style="background-color:#ffffff;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%">68</span></td><td colspan="3" style="background-color:#ffffff;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%">9,304</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%">3,909</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%">183,279</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,472</span></td><td colspan="3" style="background-color:#ffffff;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%">10,791</span></td><td colspan="3" style="background-color:#ffffff;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%">11,930</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,260</span></td><td colspan="3" style="background-color:#ffffff;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%">4,556</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%">4,230</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%">7,287</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%">5,788</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,064</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,662</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%">1,192</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">768</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">239</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%">451</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%">5,173</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">554</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">382</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-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%">390</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%">172,318</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,854</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,160</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%">10,037</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,877</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">3,954</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%">6,446</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%">111,122</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%">7,360</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,744</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%">4,092</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%">2,071</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,479</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,882</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%">3,579</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%">61,196</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,494</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,416</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%">5,944</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,806</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,222</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,072</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%">2,867</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%">157,847</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95,040</span></td><td colspan="3" style="background-color:#ffffff;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%">2,166</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%">21,700</span></td><td colspan="3" style="background-color:#ffffff;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%">25,396</span></td><td colspan="3" style="background-color:#ffffff;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%">31,265</span></td><td colspan="3" style="background-color:#ffffff;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%">13,960</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,886</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%">97,395</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">93,813</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,155</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,954</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%">31,014</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,435</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%">4,374</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%">56,520</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">475</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,879</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">230</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">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%">1,423</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%">273</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%">3,933</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%">753</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%">169</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%">315</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%">152</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%">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-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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">239</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%">387,238</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">120,308</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,376</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,949</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,944</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,319</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29,864</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,609</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 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="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%">8,251</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%">4,894</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%">240</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%">1,050</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%">1,072</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%">1,001</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%">953</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%">1,058</span></td></tr></table></div><div style="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="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="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><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="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 style="width:27.867%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.528%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.374%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.528%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.528%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.528%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.534%"/><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%">December 2022 (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="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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 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="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="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="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="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:10pt;margin-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 for the main geographic areas 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 style="width:28.638%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.688%"/><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%">December 2024 (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 colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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%">13,090</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%">228</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%">124</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%">68</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%">34</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%">1</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%">23,505</span></td><td colspan="3" style="background-color:#ffffff;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%">632</span></td><td colspan="3" style="background-color:#ffffff;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%">16,564</span></td><td colspan="3" style="background-color:#ffffff;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%">209</span></td><td colspan="3" style="background-color:#ffffff;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%">341</span></td><td colspan="3" style="background-color:#ffffff;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%">248</span></td><td colspan="3" style="background-color:#ffffff;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%">8,432</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%">7,967</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%">111,164</span></td><td colspan="3" style="background-color:#ffffff;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%">10,708</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%">2,143</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,092</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%">3,893</span></td><td colspan="3" style="background-color:#ffffff;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%">1,662</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">908</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%">1,296</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-style:italic;font-weight:400;line-height:120%">1,878</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-style:italic;font-weight:400;line-height:120%">1,695</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">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-style:italic;font-weight:400;line-height:120%">602</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">98</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">41</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-style:italic;font-weight:400;line-height:120%">18</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-style:italic;font-weight:400;line-height:120%">5,089</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">213</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">158</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">83</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">9</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-style:italic;font-weight:400;line-height:120%">185</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-style:italic;font-weight:400;line-height:120%">104,196</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">8,592</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">1,925</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">3,951</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">3,134</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-style:italic;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">859</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-style:italic;font-weight:400;line-height:120%">1,093</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-style:italic;font-weight:400;line-height:120%">79,148</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-style:italic;font-weight:400;line-height:120%">3,849</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">1,401</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">1,780</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">1,313</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">687</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">677</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-style:italic;font-weight:400;line-height:120%">793</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-style:italic;font-weight:400;line-height:120%">25,049</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">4,743</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-style:italic;font-weight:400;line-height:120%">525</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">2,172</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-style:italic;font-weight:400;line-height:120%">1,821</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-style:italic;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-style:italic;font-weight:400;line-height:120%">182</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-style:italic;font-weight:400;line-height:120%">300</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%">91,377</span></td><td colspan="3" style="background-color:#ffffff;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%">70,581</span></td><td colspan="3" style="background-color:#ffffff;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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,620</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,605</span></td><td colspan="3" style="background-color:#ffffff;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%">23,174</span></td><td colspan="3" style="background-color:#ffffff;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%">4,293</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%">2,132</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-style:italic;font-weight:400;line-height:120%">71,729</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">69,840</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">78</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">19,367</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">21,418</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-style:italic;font-weight:400;line-height:120%">23,017</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">4,185</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-style:italic;font-weight:400;line-height:120%">1,930</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-style:italic;font-weight:400;line-height:120%">16,354</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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;border-top:0.25pt 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%">95</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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-top:0.25pt 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%">39</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">27</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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;border-top:0.25pt 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%">25</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-style:italic;font-weight:400;line-height:120%">3,293</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%">677</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%">70</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%">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%">148</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%">130</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%">93</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%">176</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%">239,135</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">82,149</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,950</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25,045</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25,906</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25,118</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,634</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,396</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="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">5,150</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%">3,436</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%">34</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%">817</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%">795</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%">721</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%">487</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%">651</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%">(1) The amounts included in this table are net of loss allowances.</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%">(2) Small and medium enterprises.</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%">(3) Non-profit institutions serving households.</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%">(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 style="width:28.638%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.688%"/><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%">December 2024 (Millions of Euros) BBVA Mexico</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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%">6,837</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%">16</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%">6,059</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%">779</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%">2,404</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%">406</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%">2,142</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%">345</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%">2,104</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="background-color:#ffffff;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</span></td><td colspan="3" style="background-color:#ffffff;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%">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:#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%">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:#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-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%">9</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%">39,739</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%">9,500</span></td><td colspan="3" style="background-color:#ffffff;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%">4,183</span></td><td colspan="3" style="background-color:#ffffff;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%">6,245</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,534</span></td><td colspan="3" style="background-color:#ffffff;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%">1,983</span></td><td colspan="3" style="background-color:#ffffff;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%">1,559</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%">1,362</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-style:italic;font-weight:400;line-height:120%">1,543</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">1,359</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">466</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">155</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-style:italic;font-weight:400;line-height:120%">50</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-style:italic;font-weight:400;line-height:120%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">163</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">141</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-style:italic;font-weight:400;line-height:120%">37,968</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-style:italic;font-weight:400;line-height:120%">8,122</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-style:italic;font-weight:400;line-height:120%">4,018</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">6,049</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">2,059</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">1,461</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-style:italic;font-weight:400;line-height:120%">1,399</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-style:italic;font-weight:400;line-height:120%">1,171</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-style:italic;font-weight:400;line-height:120%">22,652</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">3,561</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-style:italic;font-weight:400;line-height:120%">2,022</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">2,820</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">904</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">589</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-style:italic;font-weight:400;line-height:120%">548</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-style:italic;font-weight:400;line-height:120%">15,317</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-style:italic;font-weight:400;line-height:120%">4,561</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-style:italic;font-weight:400;line-height:120%">1,996</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">3,229</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-style:italic;font-weight:400;line-height:120%">1,155</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">740</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">810</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-style:italic;font-weight:400;line-height:120%">623</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%">39,000</span></td><td colspan="3" style="background-color:#ffffff;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%">16,842</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%">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%">1,876</span></td><td colspan="3" style="background-color:#ffffff;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%">4,002</span></td><td colspan="3" style="background-color:#ffffff;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%">7,462</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,438</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%">226</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-style:italic;font-weight:400;line-height:120%">16,842</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">16,842</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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-style:italic;font-weight:400;line-height:120%">1,861</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">3,973</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">7,440</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">3,394</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-style:italic;font-weight:400;line-height:120%">174</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-style:italic;font-weight:400;line-height:120%">22,156</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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-style:italic;font-weight:400;line-height:120%">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:#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-top:0.25pt 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%">29</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">22</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">43</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-style:italic;font-weight:400;line-height:120%">52</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-style:italic;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">87,679</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%">26,391</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,556</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,000</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,957</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,876</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,172</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,941</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="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">576</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%">396</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%">77</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%">107</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%">146</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%">103</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%">73</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%">43</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%">(1) The amounts included in this table are net of loss allowances.</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%">(2) Small and medium enterprises.</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%">(3) Non-profit institutions serving households.</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%">(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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-201</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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 style="width:28.638%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.688%"/><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%">December 2024 (Millions of Euros) Garanti BBVA</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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%">224</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%">789</span></td><td colspan="3" style="background-color:#ffffff;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%">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%">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:#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%">&#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</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</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%">22,406</span></td><td colspan="3" style="background-color:#ffffff;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%">1,910</span></td><td colspan="3" style="background-color:#ffffff;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%">1,296</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%">936</span></td><td colspan="3" style="background-color:#ffffff;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%">793</span></td><td colspan="3" style="background-color:#ffffff;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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">692</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%">128</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-style:italic;font-weight:400;line-height:120%">1,919</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">249</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">98</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">36</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">33</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-style:italic;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%">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-style:italic;font-weight:400;line-height:120%">1,258</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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">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-style:italic;font-weight:400;line-height:120%">19,230</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">1,522</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">1,047</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">586</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">658</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-style:italic;font-weight:400;line-height:120%">112</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-style:italic;font-weight:400;line-height:120%">8,472</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">76</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">&#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-style:italic;font-weight:400;line-height:120%">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-style:italic;font-weight:400;line-height:120%">280</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-style:italic;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;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-style:italic;font-weight:400;line-height:120%">10,757</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,195</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">714</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">510</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">318</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">112</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%">16,792</span></td><td colspan="3" style="background-color:#ffffff;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%">1,358</span></td><td colspan="3" style="background-color:#ffffff;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</span></td><td colspan="3" style="background-color:#ffffff;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%">741</span></td><td colspan="3" style="background-color:#ffffff;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%">564</span></td><td colspan="3" style="background-color:#ffffff;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%">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:#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-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</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-style:italic;font-weight:400;line-height:120%">1,647</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-style:italic;font-weight:400;line-height:120%">1,353</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">&#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-style:italic;font-weight:400;line-height:120%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">562</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">43</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">6</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-style:italic;font-weight:400;line-height:120%">3</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-style:italic;font-weight:400;line-height:120%">14,780</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">2</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">2</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">1</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-style:italic;font-weight:400;line-height:120%">365</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%">&#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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">40,212</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,276</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,310</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,681</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,358</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%">703</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">701</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143</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="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">941</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%">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-style:italic;font-weight:400;line-height:120%">89</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">143</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%">(1) The amounts included in this table are net of loss allowances.</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%">(2) Small and medium enterprises.</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%">(3) Non-profit institutions serving households.</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%">(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 style="width:28.638%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.688%"/><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%">December 2024 (Millions of Euros) Other Entities</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><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 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%">1,860</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-top:1pt solid #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%">1</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%">1,751</span></td><td colspan="3" style="background-color:#ffffff;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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#ffffff;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%">43</span></td><td colspan="3" style="background-color:#ffffff;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%">&#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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">221</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%">29,931</span></td><td colspan="3" style="background-color:#ffffff;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%">5,697</span></td><td colspan="3" style="background-color:#ffffff;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%">3,424</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,180</span></td><td colspan="3" style="background-color:#ffffff;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%">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%">563</span></td><td colspan="3" style="background-color:#ffffff;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%">1,729</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%">5,042</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-style:italic;font-weight:400;line-height:120%">1,232</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-style:italic;font-weight:400;line-height:120%">966</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">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-style:italic;font-weight:400;line-height:120%">47</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">62</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-style:italic;font-weight:400;line-height:120%">250</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-style:italic;font-weight:400;line-height:120%">263</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">38</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">9</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-style:italic;font-weight:400;line-height:120%">30</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-style:italic;font-weight:400;line-height:120%">28,436</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">4,693</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-style:italic;font-weight:400;line-height:120%">3,404</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">471</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">1,659</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-style:italic;font-weight:400;line-height:120%">4,762</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-style:italic;font-weight:400;line-height:120%">18,645</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-style:italic;font-weight:400;line-height:120%">2,219</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,160</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-style:italic;font-weight:400;line-height:120%">490</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">765</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-style:italic;font-weight:400;line-height:120%">3,729</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-style:italic;font-weight:400;line-height:120%">9,791</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">2,474</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;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-style:italic;font-weight:400;line-height:120%">271</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">320</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">893</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-style:italic;font-weight:400;line-height:120%">1,033</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%">23,044</span></td><td colspan="3" style="background-color:#ffffff;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%">7,066</span></td><td colspan="3" style="background-color:#ffffff;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%">1,977</span></td><td colspan="3" style="background-color:#ffffff;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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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%">683</span></td><td colspan="3" style="background-color:#ffffff;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%">4,711</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%">2,067</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-style:italic;font-weight:400;line-height:120%">8,343</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">6,538</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">33</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">602</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">348</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">599</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">3,209</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-style:italic;font-weight:400;line-height:120%">1,813</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-style:italic;font-weight:400;line-height:120%">13,934</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">1,742</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">173</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">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-style:italic;font-weight:400;line-height:120%">84</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt 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%">1,402</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-style:italic;font-weight:400;line-height:120%">229</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-style:italic;font-weight:400;line-height:120%">767</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%">12</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%">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-style:italic;font-weight:400;line-height:120%">89</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%">&#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-style:italic;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-style:italic;font-weight:400;line-height:120%">99</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%">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: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%">56,587</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,774</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,677</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,086</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,345</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,247</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,442</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,331</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="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></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%">853</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%">382</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%">33</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%">69</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%">76</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%">141</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%">64</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%">(1) The amounts included in this table are net of loss allowances.</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%">(2) Small and medium enterprises.</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%">(3)  Non-profit institutions serving households.</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%">(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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-202</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1153"></div><hr style="page-break-after:always"/><div style="min-height: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 style="width:40.194%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.695%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.766%"/><td style="width:0.1%"/></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 2024 (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="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:right;text-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:right;text-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:right;text-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:right;text-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%">134,618</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%">20,574</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%">36,788</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%">44,739</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%">32,516</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%">148,541</span></td><td colspan="3" style="background-color:#ffffff;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%">63,146</span></td><td colspan="3" style="background-color:#ffffff;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%">15,277</span></td><td colspan="3" style="background-color:#ffffff;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%">58,857</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%">11,261</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%">127,232</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%">49,454</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,743</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%">52,035</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%">11,000</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%">21,310</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,692</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%">534</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,822</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%">261</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 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%">62,821</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,508</span></td><td colspan="3" style="background-color:#ffffff;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%">19,786</span></td><td colspan="3" style="background-color:#ffffff;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%">22,289</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%">15,239</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%">279,097</span></td><td colspan="3" style="background-color:#ffffff;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%">86,803</span></td><td colspan="3" style="background-color:#ffffff;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%">32,185</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100,623</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%">59,487</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%">10,778</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,168</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">722</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,448</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%">4,439</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%">11,556</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,484</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,222</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,257</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%">2,593</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%">256,764</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">77,151</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,241</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96,919</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%">52,454</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%">187,984</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,296</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%">28,984</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,896</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%">35,808</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%">68,780</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,855</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,257</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%">25,022</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%">16,646</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%">170,724</span></td><td colspan="3" style="background-color:#ffffff;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%">90,552</span></td><td colspan="3" style="background-color:#ffffff;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%">2,644</span></td><td colspan="3" style="background-color:#ffffff;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%">60,413</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%">17,115</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%">98,561</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%">70,761</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,235</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,757</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,807</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%">67,257</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%">16,271</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,149</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,055</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%">14,782</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%">4,906</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,520</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">600</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%">526</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%">795,801</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">266,583</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:8pt;font-weight:700;line-height:120%">106,680</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">286,921</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">135,617</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;text-align:justify"><span><br/></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 style="width:40.194%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.695%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.915%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.766%"/><td style="width:0.1%"/></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 2023 (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="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 &#8317;&#185;&#8318;</span></div></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: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:right;text-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:right;text-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:right;text-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%">192,222</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%">54,246</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%">61,342</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%">42,084</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%">34,550</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%">144,082</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%">59,385</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,198</span></td><td colspan="3" style="background-color:#ffffff;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%">61,473</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%">11,025</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%">121,149</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,259</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%">11,767</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,640</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,482</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%">22,933</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,125</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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%">7,833</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%">543</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%">54,064</span></td><td colspan="3" style="background-color:#ffffff;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%">9,564</span></td><td colspan="3" style="background-color:#ffffff;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%">18,279</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,097</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%">8,124</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%">246,103</span></td><td colspan="3" style="background-color:#ffffff;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%">80,219</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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90,342</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%">51,928</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%">9,256</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%">2,888</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">640</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,573</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%">3,156</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%">9,524</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%">5,988</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">885</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,558</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%">1,093</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%">227,323</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%">71,344</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,089</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86,211</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%">47,679</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%">159,906</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,738</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,086</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,867</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%">31,214</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%">67,417</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,606</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,003</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,344</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%">16,464</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%">158,344</span></td><td colspan="3" style="background-color:#ffffff;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%">88,561</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,477</span></td><td colspan="3" style="background-color:#ffffff;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%">58,686</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%">8,620</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%">97,395</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,073</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,302</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%">24,899</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%">1,120</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%">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%">56,521</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%">15,111</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%">956</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,207</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%">7,246</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%">4,428</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,377</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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%">579</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%">254</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%">794,814</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">291,975</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">117,910</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">270,682</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">114,247</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;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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-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"><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 style="width:39.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.113%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.515%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.265%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.488%"/><td style="width:0.1%"/></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 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:right;text-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:right;text-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:right;text-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:right;text-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%">166,533</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%">42,872</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: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%">127,562</span></td><td colspan="3" style="background-color:#ffffff;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%">47,261</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%">106,827</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">41,201</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: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%">49,608</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%">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%">15,090</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: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%">235,280</span></td><td colspan="3" style="background-color:#ffffff;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%">80,016</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%">217,329</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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%">76,830</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%">154,798</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%">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%">54,975</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: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%">150,496</span></td><td colspan="3" style="background-color:#ffffff;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%">88,548</span></td><td colspan="3" style="background-color:#ffffff;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%">48,756</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%">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%">4,962</span></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,052</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:#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%">604</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%">729,480</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">291,059</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;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%">233,994</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;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:10pt;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, 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-204</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1156"></div><hr style="page-break-after:always"/><div style="min-height: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="i22a2e436ff7c462c96898906283f922e_1159"></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, 2024, 2023 and 2022: 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 style="width:54.215%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.156%"/><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%">Risk exposure by countries (Millions of Euros)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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 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%">2024</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%">2023</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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</span></div></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%">63,277</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%">59,704</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></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%">12,264</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,744</span></td><td colspan="3" style="padding:2px 1pt;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></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%">9,995</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,284</span></td><td colspan="3" style="padding:2px 1pt;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></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%">288</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">670</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%">195</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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></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%">1,366</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">182</span></td><td colspan="3" style="padding:2px 1pt;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></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%">10</span></td><td colspan="3" style="padding:2px 1pt;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%">14</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%">791</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">587</span></td><td colspan="3" style="padding:2px 1pt;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></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%">1,227</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,187</span></td><td colspan="3" style="padding:2px 1pt;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></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%">89,413</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">82,268</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;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></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%">43,909</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48,929</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,840</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%">6,408</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,591</span></td><td colspan="3" style="padding:2px 1pt;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></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%">4,021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,540</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,657</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%">1,208</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,526</span></td><td colspan="3" style="padding:2px 1pt;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></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%">2,633</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,308</span></td><td colspan="3" style="padding:2px 1pt;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></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%">&#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%">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%">1,337</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,782</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%">3,726</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%">59,517</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,676</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50,566</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%">148,930</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">144,945</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">129,036</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-205</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1165"></div><hr style="page-break-after:always"/><div style="min-height: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%">As of December 31, 2024, 2023 and 2022, the Group's exposure to the construction and real estate development sectors (excluding the mortgage portfolio) in Spain amounted to &#8364;9,600 million, &#8364;9,476 million and &#8364;9,549 million, respectively, of which &#8364;2,207 million, &#8364;2,105 million and &#8364;1,861 million, respectively, related to construction loans, real estate development activities and house purchases in Spain. Data as of December 31, 2024, 2023 and 2022 is 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 style="width:46.203%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.755%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.755%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.755%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.755%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.755%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.755%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.755%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.755%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.757%"/><td style="width:0.1%"/></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 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 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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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%">2022</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%">2,207</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%">2,105</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%">473</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%">482</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%">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%">(102)</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%">(115)</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%">(157)</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%">136</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%">183</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%">45</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%">53</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%">(88)</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%">(98)</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></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: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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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: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%">2,100</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%">2,097</span></td><td colspan="3" style="padding:2px 1pt;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="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/></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: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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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: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%">177,946</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:6pt;font-weight:400;line-height:120%">168,660</span></td><td colspan="3" style="padding:2px 1pt;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="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;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: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="c-13" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-11510">772,402</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%">775,558</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:6pt;font-weight:400;line-height:120%">712,092</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;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: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%">(4,841)</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:6pt;font-weight:400;line-height:120%">(4,752)</span></td><td colspan="3" style="padding:2px 1pt;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="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/></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 style="width:53.445%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:13.537%"/><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:14.310%"/><td style="width:0.1%"/><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="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 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:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"/><td colspan="3" style="display:none"/><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%">2024</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%">2023</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%">2022</span></td><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 #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 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%">408</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%">359</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%">232</span></td><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: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 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%">1,799</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%">1,746</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%">1,629</span></td><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: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 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%">832</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%">857</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%">898</span></td><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:#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 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%">656</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%">685</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%">710</span></td><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:#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 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%">177</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%">172</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%">188</span></td><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: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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">749</span></td><td colspan="3" style="padding:2px 1pt;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="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:#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 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%">843</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%">731</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%">536</span></td><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:#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 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%">26</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%">18</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%">21</span></td><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: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 colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">97</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><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="padding:2px 1pt;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="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:#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 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%">76</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%">92</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%">119</span></td><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:#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 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%">22</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%">47</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%">56</span></td><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%">Total</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,207</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,105</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;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="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></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, 2024, 2023 and 2022, 37.7%, 40.7% and 48.3% of loans to developers were guaranteed with buildings (78.8%, 79.9% and 79.1% are homes), and only 4.4%, 6.6% and 9.4% by land, of which 78.4%, 66.2% and 67.9% 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, 2024, 2023 and 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:99.585%"><tr><td style="width:1.0%"/><td style="width:68.297%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.100%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.103%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%">2024</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%">2023</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%">2022</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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 colspan="3" style="display:none"/><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</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%">36</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%">54</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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 colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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="display:none"/><td colspan="3" style="display:none"/></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 information on the retail mortgage portfolio risk (housing mortgage) as of December 31, 2024, 2023 and 2022 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 style="width:34.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.702%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.702%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.702%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.702%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.702%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.705%"/><td style="width:0.1%"/></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 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 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 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%">2024</span></td><td colspan="3" style="display:none"/><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%">2023</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="display:none"/><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%">2024</span></td><td colspan="3" style="display:none"/><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%">2023</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%">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%">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%">71,709</span></td><td colspan="3" style="display:none"/><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%">71,144</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 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%">2,889</span></td><td colspan="3" style="display:none"/><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%">3,267</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%">2,486</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%">1,416</span></td><td colspan="3" style="display:none"/><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%">1,415</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 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%">9</span></td><td colspan="3" style="display:none"/><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%">10</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%">8</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%">70,294</span></td><td colspan="3" style="display:none"/><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%">69,729</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 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%">2,880</span></td><td colspan="3" style="display:none"/><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%">3,257</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%">2,477</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 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 style="width:26.789%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.223%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.459%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.459%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.459%"/><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:9.072%"/><td style="width:0.1%"/></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 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 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, 2024</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%">18,584</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%">21,171</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%">23,193</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%">4,643</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%">2,702</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%">70,294</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%">314</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%">502</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%">622</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%">539</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%">904</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%">2,880</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, 2023</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%">17,201</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,302</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,850</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%">5,856</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,519</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69,729</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%">307</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%">464</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%">642</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%">617</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%">1,227</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%">3,257</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, 2022</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%">16,981</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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="padding:2px 1pt;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="padding:2px 1pt;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="padding:2px 1pt;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="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%">248</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%">341</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%">438</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%">450</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%">999</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%">2,477</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, 2024, 2023 and 2022 had an average LTV of 41%, 42% and 43% 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 style="width:17.292%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.708%"/><td style="width:0.1%"/></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 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 &#8317;&#185;&#8318; &#8317;&#178;&#8318;</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 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%">2024</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%">2023</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-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%">2024</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%">2023</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 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%">2024</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%">2023</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%">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%">2024</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%">2023</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%">2022</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%">303</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%">398</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%">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%">(246)</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%">(307)</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%">(159)</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%">(183)</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%">57</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%">92</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></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%">41</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%">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%">(24)</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%">(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%">(16)</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%">(24)</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%">17</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%">28</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></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%">19</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%">31</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%">(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%">(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%">(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%">(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%">(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%">(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%">9</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%">24</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%">23</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%">41</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%">(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%">(28)</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%">(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%">(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%">(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%">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:7pt;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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">30</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%">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="3" style="padding:2px 1pt;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%">(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%">(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%">(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%">(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%">(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%">(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%">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%">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%">5</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%">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: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%">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%">(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%">(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%">(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%">(2)</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%">(2)</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%">2</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%">5</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%">&#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%">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%">(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%">(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></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%">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:7pt;font-weight:400;line-height:120%">318</span></td><td colspan="3" style="padding:2px 1pt;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%">(216)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(256)</span></td><td colspan="3" style="padding:2px 1pt;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%">(141)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'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%">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%">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:7pt;font-weight:400;line-height:120%">91</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%">248</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%">299</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%">(210)</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%">(242)</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%">(138)</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%">(145)</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%">38</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%">57</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></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%">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%">19</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%">(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%">(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><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%">(3)</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%">(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%">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%">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%">10</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%">392</span></td><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%">544</span></td><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%">(209)</span></td><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%">(299)</span></td><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%">(72)</span></td><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%">(99)</span></td><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%">183</span></td><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%">245</span></td><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></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%">283</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%">364</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%">(195)</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%">(231)</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%">(61)</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%">(76)</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%">88</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%">133</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></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 &#8317;&#179;&#8318;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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:0 1pt"/><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%">&#8212;</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%">&#8212;</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%">&#8212;</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></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%">978</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%">1,306</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%">2,381</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%">(650)</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%">(837)</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%">(292)</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%">(358)</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%">328</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%">469</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></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Represents original loan value at the time of foreclosure.</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%">(2) The value of real estate assets foreclosed or received in payment of debts should be initially recognized at the lower of the carrying amount of the financial assets and the fair</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">value at the time of foreclosure less estimated sales costs. The gross value of the assets acquired in payment of debts is &#8364;</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:400;line-height:120%">620</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> million and &#8364;827 million as of December 31, 2024 and December 31, 2023, respectively.</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%">(3) In 2024 and 2023 stake in Metrovacesa, S.A. is excluded. Given its corporate purpose and the transformation and turnover of its assets, the assets of Metrovacesa, S.A. are not considered to come from foreclosures.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-207</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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, 2024, 2023 and 2022, the gross book value of the Group&#8217;s real-estate assets from corporate financing of real-estate construction and development was &#8364;303, &#8364;398 and &#8364;539 million, respectively, with an average coverage ratio of 81.2%, 77.0% and 72.2%, 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, 2024, 2023 and 2022, amounted to &#8364;392, &#8364;544 and &#8364;736 million, respectively, with an average coverage ratio of 53.3%, 55.0% and 55.6%.</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, 2024, 2023 and 2022, 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;978, &#8364;1,306 and &#8364;1,725 million, respectively. The coverage ratio was 66.5%, 64.1% and 62.0%, 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, 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-208</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1168"></div><hr style="page-break-after:always"/><div style="min-height: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 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%">Below is a breakdown of the balances of financial instruments recognized 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, 2024, 2023 and 2022 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 style="width:24.155%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.386%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.329%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.210%"/><td style="width:0.1%"/></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 2024 (Millions of Euros)</span></td><td colspan="9" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></tr><tr><td colspan="3" style="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%">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%">Rest of business</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%">3,391</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%">19,034</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%">2,269</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%">6,996</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%">70</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%">3,044</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%">1,199</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%">36,003</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%">2,034</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%">5,850</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%">6,700</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%">2,782</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%">103</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%">214</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%">310</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%">17,993</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 &#8317;&#178;&#8318;</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%">53,698</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%">22,913</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%">39,208</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%">9,992</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%">10,067</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%">8,443</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%">1,586</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%">145,907</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%">1,359</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%">1,448</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%">50,854</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,410</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,667</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,408</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,756</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%">6,410</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="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%">125,705</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%">2,040</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,092</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,527</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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%">408</span></td><td colspan="3" 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%">7,585</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%">350</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,126</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,577</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">158</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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%">4,893</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%">455</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,285</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,943</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">155</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">213</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">638</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,275</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%">179,935</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%">70,972</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%">95,747</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%">17,794</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%">52,234</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%">58,668</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%">18,278</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%">493,628</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%">18</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%">1,626</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%">5,876</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%">1,297</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-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%">8,817</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%">12,001</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,187</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">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%">1,831</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">755</span></td><td colspan="3" 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%">22,150</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%">5,063</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,439</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%">2,731</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,044</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,828</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,216</span></td><td colspan="3" 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%">43,669</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%">2,926</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%">15,069</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,106</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,953</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,987</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,992</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,463</span></td><td colspan="3" 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%">32,496</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%">63,409</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,821</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,016</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,468</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,812</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,155</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,778</span></td><td colspan="3" 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%">199,459</span></td></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%">96,517</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,879</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43,708</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,275</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%">23,565</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%">67</span></td><td colspan="3" 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%">187,037</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%">239,058</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">118,770</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143,924</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,564</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,473</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">70,369</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,372</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">693,530</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%">37,120</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43,253</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,000</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,579</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,003</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,841</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,718</span></td><td colspan="3" 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%">188,515</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%">3,056</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,376</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,958</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,911</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,031</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">960</span></td><td colspan="3" 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%">22,503</span></td></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%">19,266</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%">12,922</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%">2,826</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%">4,279</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,421</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,202</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,299</span></td><td colspan="3" 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%">51,215</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%">59,441</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">61,551</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,038</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29,816</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,336</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,074</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%">7,977</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">262,233</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%">298,500</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%">180,321</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%">170,962</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%">67,380</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%">114,809</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%">94,443</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%">29,349</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%">955,763</span></td></tr></table></div><div style="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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The debt securities of the "Financial assets at fair value through other comprehensive income" portfolio do not include gains/losses.</span></div><div style="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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 style="width:24.155%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.182%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.533%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.210%"/><td style="width:0.1%"/></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 2023 (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt;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%">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%">Rest of business</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%">3,688</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%">17,106</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%">2,017</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%">7,487</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%">51</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%">2,956</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%">987</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%">34,293</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 &#8317;&#185;&#8318;</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%">1,424</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%">2,999</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%">6,418</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%">2,399</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%">76</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%">246</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%">13,768</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 &#8317;&#178;&#8318;</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%">49,620</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%">19,547</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%">43,825</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%">9,103</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%">8,932</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%">7,071</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%">2,502</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%">140,600</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%">1,179</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%">80</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%">1,274</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%">46,667</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,359</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%">40,982</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,584</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,789</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,647</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">967</span></td><td colspan="3" 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%">119,995</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%">2,154</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,017</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,914</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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%">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%">323</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" 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%">8,005</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%">442</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,065</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">334</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,223</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">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%">222</span></td><td colspan="3" 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%">4,967</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%">357</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,091</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">596</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,173</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">242</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">773</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,357</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%">176,482</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%">92,253</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%">98,561</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%">12,957</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%">41,619</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%">52,131</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%">13,488</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%">487,491</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%">201</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%">2,199</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%">5,316</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%">1,590</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%">680</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%">9,985</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%">12,394</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">145</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,856</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">496</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,082</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">492</span></td><td colspan="3" 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%">23,466</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%">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%">7,141</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,077</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,759</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">636</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,428</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,391</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,691</span></td><td colspan="3" 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%">74,122</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%">2,961</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,190</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,529</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%">1,690</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,264</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,891</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" 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%">26,250</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%">59,083</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,905</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,001</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,604</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%">19,591</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%">22,542</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%">7,820</span></td><td colspan="3" 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%">176,546</span></td></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%">94,703</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,737</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,415</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%">27</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,525</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,634</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81</span></td><td colspan="3" 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%">177,121</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%">231,214</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">131,905</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150,821</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,948</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50,678</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,364</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,223</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">676,153</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%">34,931</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,914</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,811</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,773</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,883</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%">9,600</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,956</span></td><td colspan="3" 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%">152,868</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%">2,694</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,542</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%">69</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,338</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,587</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">991</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">618</span></td><td colspan="3" 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%">18,839</span></td></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%">17,187</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,191</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,812</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,135</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,057</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,991</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,205</span></td><td colspan="3" 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%">42,577</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%">54,812</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">56,646</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,691</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,245</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,527</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,581</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,780</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">214,283</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%">286,026</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%">188,551</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%">178,512</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%">55,193</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%">83,205</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%">75,946</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%">23,002</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%">890,436</span></td></tr></table></div><div><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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The debt securities of the "Financial assets at fair value through other comprehensive income" portfolio do not include gains/losses.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-210</span></div></div></div><hr style="page-break-after:always"/><div 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 style="width:24.155%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.210%"/><td style="width:0.1%"/></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="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt;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%">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%">Rest of business</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><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%">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%">43,274</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%">20,373</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%">34,083</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%">8,102</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%">8,722</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%">8,395</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%">4,802</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%">127,750</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%">3,843</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%">3,948</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%">41,324</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,869</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,713</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,229</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,700</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,460</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,041</span></td><td colspan="3" 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%">107,336</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%">1,162</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,470</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,351</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">268</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">443</span></td><td colspan="3" 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%">5,824</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%">434</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">304</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,032</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">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%">215</span></td><td colspan="3" 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%">4,266</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%">354</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,306</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">715</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,724</span></td><td colspan="3" style="padding:2px 1pt;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%">1,015</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,375</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%">176,153</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%">77,317</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%">46,362</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%">431,340</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%">32,294</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">21,559</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">171,613</span></td></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%">94,609</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">34,861</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">19,273</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">164,023</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%">225,990</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">109,698</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">118,236</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,316</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51,074</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%">58,475</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,322</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">611,111</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%">280,285</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%">164,610</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%">141,445</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%">49,098</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%">72,149</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%">73,689</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%">22,403</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%">803,678</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-211</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1171"></div><hr style="page-break-after:always"/><div style="min-height: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, 2024, 2023 and 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 style="width:61.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.228%"/><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%">Impaired financial assets by geographical areas (Millions of Euros)</span></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"/></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%">2024</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%">2023</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></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%">7,581</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%">8,068</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%">7,468</span></td></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%">104</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99</span></td><td colspan="3" 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%">93</span></td></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%">2,517</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,472</span></td><td colspan="3" 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%">1,939</span></td></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%">2,260</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,176</span></td><td colspan="3" 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%">1,721</span></td></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%">1,749</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,631</span></td><td colspan="3" 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%">2,272</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 business</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">&#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%">&#8212;</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%">14,213</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%">14,446</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></tr></table></div><div style="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, 2024.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-212</span></div></div></div><div id="i22a2e436ff7c462c96898906283f922e_1177"></div><hr style="page-break-after:always"/><div style="min-height: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 style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:78.716%"/><td style="width:0.1%"/></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:justify;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;text-align:justify"><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-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">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-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">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-align:justify;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">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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:78.716%"/><td style="width:0.1%"/></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 - Hedge accounting</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:justify;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: 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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:78.716%"/><td style="width:0.1%"/></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;text-align:justify"><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;text-align:justify"><span><br/></span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;padding-left:14.17pt;text-align:justify"><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;text-align:justify"><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;text-align:justify"><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;text-align:justify"><span><br/></span></div><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%">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"><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 (International Financial Reporting Standards)</span></div></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:justify;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the purposes of these Financial Statements, "International Financial Reporting Standards" include International Accounting Standards (IAS), International Financial Reporting Standards (IFRS) and related interpretations (SIC interpretations/IFRIC interpretations), as may be developed or adopted by the International Accounting Standards Board (IASB, International Accounting Standard Board).</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:justify;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 #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%">Impaired financial assets</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000;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%">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-align:justify;text-indent:3.82pt"><span><br/></span></div><div style="margin-bottom:0.05pt;margin-top:0.05pt;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: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-align:justify;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-align:justify;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-align:justify;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-align:justify;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-align:justify;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-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%">Income from equity instruments</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%">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></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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:78.716%"/><td style="width:0.1%"/></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:justify;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Type of filing made with the CNMV that contains 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-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-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><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;text-align:justify"><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-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">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-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">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-align:justify;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-align:justify;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-align:justify;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"><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-Performing Loans (NPL)</span></div></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%">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></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-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;text-align:justify"><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-align:justify;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-align:justify;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 either have contractual cash flows that do not comply with the SPPI test conditions, or are not covered by a business model whose objective is (i) maintaining financial assets to obtain cash flows, or (ii) obtaining contractual cash flows and selling financial assets.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:78.716%"/><td style="width:0.1%"/></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:justify;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 that contains a 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:justify;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:justify;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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:78.716%"/><td style="width:0.1%"/></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;text-align:justify"><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 developed 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;text-align:justify"><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;text-align:justify"><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-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">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-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">material transactions between the entity and its investee;</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%">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-align:justify;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;text-align:justify"><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;text-align:justify"><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;text-align:justify"><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;text-align:justify"><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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:78.716%"/><td style="width:0.1%"/></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 cash equivalents. When preparing these financial statements the following definitions have been used:<br/>&#183; Cash flows: Inflows and outflows of cash and cash 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. 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;Accumulated other comprehensive income&#8221;, 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;text-align:justify"><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-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">restricted activities.</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">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-align:justify;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-align:justify;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;text-align:justify"><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-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">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-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">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-align:justify;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.</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 interests.</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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-219</span></div></div></div><hr style="page-break-after:always"/><div style="min-height: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 style="width:19.084%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:78.716%"/><td style="width:0.1%"/></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;text-align:justify"><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 the methodology of 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 compliance limits of the 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%">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:justify;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:justify;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;padding-left:108pt;padding-right:108pt;text-align:center;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">F-220</span></div></div></div></body></html>
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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="i5bba8608e53b434eb57bb7f1cadb34b5_1"></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="i5bba8608e53b434eb57bb7f1cadb34b5_4"></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="i5bba8608e53b434eb57bb7f1cadb34b5_7"></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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:110%">The Bank's share capital is TWO BILLION, EIGHT HUNDRED TWENTY-FOUR MILLION, NINE THOUSAND, EIGHT HUNDRED SEVENTY-SEVEN EUROS AND EIGHTY-FIVE EURO CENTS (EUR 2,824,009,877.85), represented by FIVE BILLION, SEVEN HUNDRED SIXTY-THREE MILLION, TWO HUNDRED EIGHTY-FIVE THOUSAND FOUR HUNDRED SIXTY-FIVE (5,763,285,465) 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 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="i5bba8608e53b434eb57bb7f1cadb34b5_10"></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"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">1st.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:20.42pt">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"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">2nd.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:16.75pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">3rd.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:18.59pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">4th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:19.2pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">5th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:19.2pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">6th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:19.2pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">7th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:19.2pt">To approve the Company's internal regulations, with the power to amend them.</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"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">8th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:19.2pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">9th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:19.2pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">10th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">To appoint and dismiss Bank employees, establishing their salaries and bonuses.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><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%">16</font></div></td></tr></table></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">11th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">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="margin-bottom:10pt;margin-top:10pt"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">12th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">13th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">14th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">15th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">16th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">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"><font><br></font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">17th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">To guarantee and&#47;or secure Company or third-party obligations of all kinds.</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"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">18th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">To reach a settlement regarding all kinds of goods and rights.</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"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">19th.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%;padding-left:13.7pt">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="i5bba8608e53b434eb57bb7f1cadb34b5_13"></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="i5bba8608e53b434eb57bb7f1cadb34b5_16"></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>
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<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>3
<FILENAME>exhibit21.htm
<DESCRIPTION>EX-2.1
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="i4f11fadf6b654447ba668a0bf1f2a19c_1"></div><div style="min-height:36pt;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, 2024. 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, 2024 (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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">General  </font></div><div><font><br></font></div><div style="margin-bottom: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, 2024, BBVA&#8217;s paid in share capital was &#8364;2,824,009,877.85, represented by a single class of 5,763,285,465 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 on March 18, 2022, 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 at the date of the authorization (equal to 666,788,658 new ordinary shares). 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:36pt;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 on April 20, 2021, 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 21, 2025, on second call, 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 576,328,546 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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Registry and Company&#8217;s Objects and Purpose </font></div><div><font><br></font></div><div style="margin-bottom: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="margin-bottom: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="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:36pt;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%">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'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="margin-bottom: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="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:36pt;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 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="margin-bottom: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="text-indent:-4.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Preemptive Rights  </font></div><div><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%">4</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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, 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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Dividends and Distributions </font></div><div><font><br></font></div><div style="margin-bottom: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 agreed to establish a dividend 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="margin-bottom: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 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.</font></div><div style="margin-bottom: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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Form and Transfer</font></div><div><font><br></font></div><div style="margin-bottom: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="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:36pt;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%">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="margin-bottom: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="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%">Requirements Applicable to Purchases by BBVA and its Directors and Senior Managers </font></div><div><font><br></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="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:36pt;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%">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:100%">On January 30, 2025, and in relation with the shareholders ordinary distribution for 2024, BBVA announced its intention to execute a 993 million euro 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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Net Short Positions</font></div><div><font><br></font></div><div style="margin-bottom: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="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:36pt;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%">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="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">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. Act 6&#47;2023, of 17 March, on the Securities Markets and Investment Services 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:'Times New Roman',sans-serif;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:14.11pt">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:'Times New Roman',sans-serif;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:14.11pt">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="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:36pt;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:90pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;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:14.11pt">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:'Times New Roman',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:14.11pt">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:'Times New Roman',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:14.11pt">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:'Times New Roman',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:14.11pt">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="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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Exchange Controls and Restrictions on Foreign Investments</font></div><div><font><br></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-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="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:36pt;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 Royal Decree 664&#47;1999, of April 23 (repealed by RD 571&#47;2023), 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, required 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 needed to 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: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 Spanish Government approved Royal Decree 571&#47;2023, of July 4, on foreign investments (the &#8220;New Spanish FDI Regulations&#8221;), which repeals Royal Decree 664&#47;1999 and develops Law 19&#47;2003. The New Spanish FDI Regulations came into force on September 1, 2023, and their provisions apply to FDI (as defined below) filings submitted from that date onwards (ongoing FDI filings as of such date are governed by the former regulations). Royal Decree 571&#47;2023 was further developed by Order ECM 57&#47;2024, of January 29, setting forth the templates for the declarations in foreign investments.</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%">These new Spanish FDI Regulations set out&#58; (i) post-closing notification obligations for foreign investments in Spain for statistical purposes&#59; (ii) post-closing notification obligations for Spanish investments in foreign countries for statistical purposes&#59; and (iii) most significantly, amended and developed rules for Spanish FDIs screening mechanisms (&#8220;Screening Mechanisms&#8221;), under which the closing of specific FDIs requires prior authorization through both EU-law based general FDI screening, regulated in article 7 bis of Law 19&#47;2003 (&#8220;General FDI Screening Mechanism&#8221;), and sector-specific screening (which applies to activities directly related to Spanish National Defense, the acquisition of real estate for diplomatic purposes by non-EU Member States and investments in activities directly related to weapons, cartridges, pyrotechnic items and civil use explosives or other material to be used by the State Security Forces and Bodies), which is a new mechanism.</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%">These Screening Mechanisms do not prohibit foreign investments in Spain&#59; rather, they are mandatory authorization procedures to be carried out prior to closing specific transactions. In particular, the General FDI Screening Mechanism brings the Spanish screening framework in line with that set out in the European Union laws, in particular, Regulation (EU) 2019&#47;452, which allows Member States to adopt mechanisms to screen FDIs in the European Union. The banking activity itself is not expressly mentioned in the FDI sectors subject to the General FDI Screening Mechanism, which are the following&#58; Critical infrastructure, Critical and dual-use technologies, Key technologies for industrial leadership and training, technologies developed pursuant to projects or programs of particular interest to Spain, Supply of critical inputs, sectors with access to or control to sensitive information and Media.</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:10pt;margin-top:10pt;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;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Law 19&#47;2003</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), as amended 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, Royal Decree-Law 20&#47;2022, of December 27, and Royal Decree-Law 9&#47;2024, of December 23. 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 (repealed by RD 571&#47;2023).</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:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt;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;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Screening Mechanism</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#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:10pt;margin-top:10pt;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 subsequently by article 1 and article 62 of Royal Decree-Law 20&#47;2022, of December 27), effective November 19, 2020 and until December 31, 2024 (a proposed further extension until December 31, 2026, as set forth in article 1 of Royal Decree-Law 9&#47;2024, of December 23, has not yet been approved by the Spanish Congress), 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:10pt;margin-top:10pt;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:10pt;margin-top:10pt;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:10pt;margin-top:10pt;text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Foreign direct investments (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">FDI</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) 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:10pt;margin-top:10pt;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:10pt;margin-top:10pt;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: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%">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:36pt;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:10pt;margin-top:10pt;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:10pt;margin-top:10pt;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 to the above, pursuant to Council Regulation (EU) 833&#47;2014, it shall be prohibited to sell euro denominated transferable securities issued after April 12, 2022, or securities denominated in any other currency and issued after August 6, 2023, 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 a country member of the European Economic Area or of Switzerland, or natural persons having a temporary or permanent residence permit in a Member State, in a country member of the European Economic Area or in Switzerland.</font></div><div style="margin-bottom:10pt;margin-top:10pt;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%">Further, pursuant to Council Regulation (EC) No 765&#47;2006, it shall be prohibited to sell transferable securities denominated in any official currency of a Member State issued after April 12, 2022 or units in collective investment undertakings providing exposure to such securities, to any Belarusian national or natural person residing in Belarus or any legal person, entity or body established in Belarus. Such prohibition 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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Restrictions on Acquisitions of Ordinary Shares</font></div><div><font><br></font></div><div style="margin-bottom: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:36pt;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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Shareholders&#8217; Agreements</font></div><div><font><br></font></div><div style="margin-bottom:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Act 6&#47;2023, of 17 March, on the Securities Markets and Investment Services, 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><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><font><br></font></div><div style="margin-bottom: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="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="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:36pt;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">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><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><font><br></font></div><div style="margin-bottom: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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Non-Voting, Redeemable and Privileged Shares</font></div><div><font><br></font></div><div style="margin-bottom: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="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="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:36pt;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%">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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Certain Powers of the Board of Directors</font></div><div><font><br></font></div><div style="margin-bottom: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:36pt;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:100%">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:36pt;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:'Times New Roman',sans-serif;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:14.11pt">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:'Times New Roman',sans-serif;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:14.11pt">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:'Times New Roman',sans-serif;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:14.11pt">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:36pt;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="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="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:36pt;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%">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="margin-bottom: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="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:36pt;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 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="margin-bottom: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="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:36pt;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%">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="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="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:36pt;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 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:'Times New Roman',sans-serif;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:14.11pt">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:'Times New Roman',sans-serif;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:14.11pt">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="margin-bottom: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="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:36pt;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%">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:36pt;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="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: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 $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%">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 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 the 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;). The Notes were issued pursuant to the resolution of the board of directors of BBVA adopted on June&#160;25, 2019. 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 second supplemental indenture is included as Exhibit 4.11 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 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;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 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 Notes were issued in the form of one or more global certificates representing the Notes. DTC is the securities depositary for the Notes. Therefore, the Notes 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. As long as DTC or its nominee is the registered holder of such global certificates representing the Notes, DTC or its nominee, as the case may be, will be considered the sole owner and holder of the Notes represented by such global certificates for all purposes under the Indenture and the Notes. Except as described below, owners of beneficial interests in a Note 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="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:36pt;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 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, 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&#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 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 Notes semi-annually on September&#160;18 and March 18 of each year (each, an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">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;), commencing on March 18, 2021 up to, and including, the 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%">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 for the Notes, on each Interest Payment Date for Notes, 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 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 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 falls on a day that is not a Business Day, payment of principal and interest on the Notes will be made on the next succeeding day that is a Business Day, and no interest on the Notes will accrue for the period from and after the 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="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:36pt;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%">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 the 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 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="margin-bottom: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, 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 the 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 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, BBVA would have had the option to redeem all (but not less than all) of the Notes at the Redemption Price. The Notes 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 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="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:36pt;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%">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="margin-bottom: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 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 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="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:36pt;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%">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, 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="margin-bottom: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. In addition, neither (i)&#160;a reduction or cancellation, in part or in full, of the Amounts Due on the Notes 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 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 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 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&#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 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 shall have been cured or waived as provided 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%">28</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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 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 on behalf of the holders of all the Notes 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 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. </font></div><div style="margin-bottom: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 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&#59; (ii)&#160;the holders of not less than 25% in principal amount of the outstanding Notes 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.</font></div><div style="margin-bottom: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, 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 may consent by Act, on behalf of the holders of all outstanding Notes, 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 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 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, the Trustee shall transmit by mail to all holders of Notes 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. 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 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%">&#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 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%">29</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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 the Notes, BBVA may substitute all (but not less than all) of the Notes or modify the terms of all (but not less than all) of the Notes, 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, 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 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 are substituted in accordance with the paragraphs set forth above, the Notes 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 have given any request, demand, authorization, direction, notice, consent or waiver under the Notes or the Indenture, any Note 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) 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%">30</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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 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 or of modifying in any manner the rights of the holders of the Notes under the Indenture and of waiving future compliance with respect to the Indenture and the 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, 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 may consent by Act, on behalf of the holders of all of the outstanding Notes, 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 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%">31</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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 on behalf of the holders of all the Notes 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 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. </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 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&#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 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 Notes, provided such action does not adversely affect the interests of any holders of Notes 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&#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%">32</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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 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 the Notes which results in the redemption, cancellation, or the conversion into other securities, of all the Amounts Due on the Notes or such Notes otherwise ceasing to be outstanding, the Indenture shall be deemed satisfied and discharged as to such 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 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 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 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="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:36pt;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%">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 160 Queen Victoria Street, London, EC4V 4LA, 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, (i)&#160;the Trustee shall not be required to take any further directions from holders with respect to any portion of the Notes 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 Notes, any Notes remain outstanding (for example, if such exercise results in only a partial write-down of the principal amount of the Notes), then there shall at all times be a trustee for the Notes 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 </font></div><div style="margin-bottom: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="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:36pt;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%">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%">35</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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, 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, 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, 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. 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, 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, 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 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. 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&#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, so long as any Notes remain outstanding, there will at all times be a trustee for the Notes  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 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="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:36pt;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%">Upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes, 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. 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 (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="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%">37</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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%">38</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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="margin-bottom: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="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:36pt;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%">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="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="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:36pt;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%">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="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="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:36pt;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%">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="margin-bottom: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="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:36pt;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%">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="margin-bottom: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="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:36pt;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 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="margin-bottom: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="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:36pt;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 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="margin-bottom: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="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:36pt;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 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="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="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:36pt;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;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="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: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 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: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, </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%"> 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><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 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">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: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 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 </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%"> 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%">47</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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, 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="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="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:36pt;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%">The Trustee </font></div><div><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 160 Queen Victoria Street, London, EC4V 4LA, 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) 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="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:36pt;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%">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%">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="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:36pt;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 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="margin-bottom: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="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:36pt;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. 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="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%">52</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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 5.381% SENIOR PREFERRED FIXED RATE NOTES DUE 2029  </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%">$1,000,000,000 SENIOR NON-PREFERRED CALLABLE FIXED-TO-FIXED RATE NOTES DUE 2035</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:22.5pt"><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 5.381% senior preferred fixed rate notes due 2029 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2029 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 with respect to senior debt securities (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Senior Debt Securities 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 as of July 28, 2016 between BBVA, as issuer, and The Bank of New York Mellon, acting (except with respect to its role as security registrar) 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;), security registrar, 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;), as amended and supplemented, with respect to the 2029 Notes, by the third supplemental indenture dated as of March 13, 2024 between BBVA, as issuer, and The Bank of New York Mellon, acting (except with respect to its role as security registrar) through its London Branch, as Trustee, Paying Agent, transfer agent and security registrar (the Senior Debt Securities Base Indenture, as so amended and supplemented with respect to the 2029 Notes, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2029 Notes 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:22.5pt"><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 senior non-preferred callable fixed-to-fixed rate notes due 2035 (the &#34;2035 Notes&#34; and together with the 2029 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 with respect to senior non-preferred debt securities (the &#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 Debt Securities 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 as of June 25, 2019 between BBVA, as issuer, and The Bank of New York Mellon, acting (except with respect to its role as security registrar) through its London Branch, as Trustee, transfer agent, Paying Agent and security registrar, as amended and supplemented, with respect to the 2035 Notes, by the third supplemental indenture dated as of March 13, 2024 between BBVA, as issuer and The Bank of New York Mellon, acting (except with respect to its role as security registrar) through its London Branch, as Trustee, Paying Agent, transfer 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 security registrar (the Senior Non-Preferred Debt Securities Base Indenture, as so amended and supplemented with respect to the 2035 Notes, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2035 Notes Indenture</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 2029 Notes Indenture and the 2035 Notes Indenture, an &#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;, and together, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Indentures</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: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 series of Notes was issued pursuant to the resolution of the board of directors of BBVA adopted on November 29, 2023.</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 third supplemental indenture with respect to the 2029 Notes amended and supplemented the Senior Debt Securities Base Indenture in certain material respects. The third supplemental indenture with respect to the 2035 Notes amended and supplemented the Senior Non-Preferred Debt Securities Base Indenture in certain material respects. The Senior Debt Securities Base Indenture is included as Exhibit 4.2 to BBVA&#8217;s Registration Statement on Form F-3 filed with the SEC on July 29, 2022 and the third supplemental indenture with respect to the 2029 Notes is included as Exhibit 4.15 to BBVA&#8217;s report on Form 6-K furnished to the SEC on March 13, 2024 and incorporated by reference into such Registration Statement. The Senior Non-Preferred Debt Securities 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 third supplemental indenture with respect to the 2035 Notes is included as Exhibit 4.16 to BBVA&#8217;s report on Form 6-K furnished to the SEC on March 13, 2024 and incorporated by reference into such Registration Statement.</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 summary of certain provisions of the Notes and the Indentures 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 relevant Indenture, including the definitions of the terms provided therein. Whenever this section refers to specific provisions of or terms defined in an Indenture, we incorporate by reference into this section such specific provisions of or terms defined in such 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 that contains provisions different from those included in the Indentures, including future senior preferred notes under the Senior Debt Securities Base Indenture and future senior non-preferred notes under the Senior Non-Preferred Debt Securities Base Indenture (as each may be amended and supplemented by any relevant supplemental indenture). BBVA is not prohibited under the Notes or either of the Indentures 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 Indentures. </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:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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:700;line-height:100%">General</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 2029 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 March 13, 2029 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2029 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 2035 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 March 13, 2035 (the &#8220;2035 Notes Stated Maturity Date&#8221;, and each of the 2029 Notes Stated Maturity Date and the 2035 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: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 series of Notes are 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="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 Notes of each series were initially represented by one or more global security certificates which were deposited with a custodian for DTC, and Notes represented thereby were registered in the name of Cede &#38; Co., as nominee for DTC.</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%">Beneficial interests in Notes of any series represented by a global certificate are exchangeable for Notes of such series 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) the depository is at any time unwilling, unable or ineligible to continue as depository or has ceased to be a clearing agency registered under the Exchange Act and, in either case, a successor depository is not appointed by BBVA within 60 days of the date BBVA is so informed in writing&#59; (ii) BBVA executes and delivers to the trustee a company order to the effect it has elected to cause the issuance of definitive registered securities&#59; (iii) an event of default has occurred and is continuing with respect to the securities&#59; or (iv) there shall exist such circumstances, if any, in addition to or in lieu of the foregoing as have been specified for this purpose as contemplated by the relevant prospectus supplement.</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 Indenture provides that, in addition to the relevant 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 shall 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.</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:700;line-height:100%">Payment of Interest</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-style:italic;font-weight:400;line-height:100%">2029 Notes</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 2029 Notes bear interest, from (and including) the March 13, 2024 (the  &#34;</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%">&#34;) to (but excluding) the 2029 Notes Stated Maturity Date or any date of earlier redemption, at a fixed rate of 5.381% per annum. BBVA must pay interest in arrears on the 2029 Notes semi-annually on March 13 and September 13 of each year, commencing on September 13, 2024 up to (and including) the 2029 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%">2029 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="margin-bottom:10pt;margin-top:10pt;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%">2035 Notes</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 2035 Notes bear interest (i) from (and including) the Issue Date to (but excluding) the 2035 Notes Reset Date (March 13, 2034) or any date of earlier redemption at a fixed rate of 6.033% per annum and (ii) thereafter, from (and including) the 2035 Notes Reset Date to (but excluding) the 2035 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 190 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).</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:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">BBVA must pay interest in arrears on the 2035 Notes semi-annually on March 13 and September 13 of each year, commencing on September 13, 2024 up to (and including) the 2035 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%">2035 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;, and each 2029 Notes Interest Payment Date and 2035 Notes Interest Payment Date, an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">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="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%">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%">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: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%">&#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;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">most recent 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 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 Reset Determination 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%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">2035 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 March 13, 2034. </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%">&#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 2035 Notes Reset 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-style:italic;font-weight:400;line-height:100%">General Terms</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%">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, 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 the Notes of a series, BBVA must pay interest for the period beginning on (and including) the Issue Date of such Notes to (but excluding) the first Interest Payment Date for such Notes.</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, 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 relevant 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 such Notes 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 such Stated Maturity Date or date of earlier redemption.</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%">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="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:700;line-height:100%">Payments of Additional Amounts</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 amounts to be paid by BBVA with respect to the Notes shall 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 (if any)) 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 relevant 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 Indentures specify certain situations for which no such Additional Amounts are payable with respect to any Note of the relevant 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%">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;text-indent:36pt"><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:10pt;margin-top:10pt;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%">General</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><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">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="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 relevant Indenture) exercises its Spanish Bail-in Power (as defined in the relevant 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><font><br></font></div><div style="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 Applicable Banking Regulations (as defined in the relevant Indenture) then in force and subject to the prior consent of the Regulator (as defined in the relevant Indenture), if required pursuant to such 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%">Any notice of redemption shall be given not less than five nor more than 30 days prior to the redemption 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%">If BBVA elects to redeem Notes of a series, they will cease to accrue interest from (and including) the redemption date, unless BBVA fails to pay the Redemption Price on 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-style:italic;font-weight:700;line-height:100%">Early Redemption for Taxation Reasons</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 may redeem all or part only of the Notes of a series 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 the Issue Date 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 or any political subdivision thereof or therein having the power to tax 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 and such change was not reasonably foreseeable on the Issue Date of such Notes&#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:10pt;margin-top:10pt;text-indent:36pt"><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 upon an Eligible Liabilities Event</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 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 relevant Indenture) occurs with respect to such Notes on or after the Issue Date of such Notes.</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-style:italic;font-weight:700;line-height:100%">Optional Early Redemption (Issuer Call) for the 2035 Notes</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 may, at its option, redeem all (but not less than all) of the 2035 Notes at the Redemption Price on the 2035 Notes Reset 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-style:italic;font-weight:700;line-height:100%">Status and Ranking of 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%">56</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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 payment obligations of BBVA under the 2029 Notes 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 2029 Notes 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 2029 Notes Indenture)), 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 2029 Notes with respect to claims for principal (which claims will constitute ordinary claims) 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), and (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%">)&#59; (ii) pari passu without any preference or priority among themselves and with all other Senior Preferred Obligations&#59; and (iii) senior to (a) any Senior Non-Preferred Obligations, and (b) 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 2029 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="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 2035 Notes on account of principal 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 2035 Notes Indenture) and other applicable laws relating to or affecting the enforcement of creditors&#8217; rights in Spain (including, without limitation, Additional Provision 14 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 2035 Notes with respect to claims for principal (which claims will constitute ordinary claims) 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 (as defined in the 2035 Notes Indenture)), (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 2035 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:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">&#8220;ordinary claims&#8221;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> 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 the 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="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">&#8220;Senior Non-Preferred Obligations&#8221; </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%">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 2035 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:10pt;margin-top:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">&#8220;Senior Preferred Obligations&#8221;</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 2029 Notes, and (ii) all other ordinary claims, present and future, other than Senior Non-Preferred Obligations.</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%">Claims of holders in respect of interest on the Notes of each series 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="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%">57</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">Each holder (including, for purposes of this paragraph, each holder of a beneficial interest in the relevant Notes) of Notes, by his or her acquisition thereof, will be deemed to have agreed to the ranking of such Notes as described above. Each such holder will be deemed to have irrevocably waived his or her rights of priority which would otherwise be accorded to him or her under the laws of Spain, to the extent necessary to effectuate the ranking provisions of such Notes. In addition, 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 relevant 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: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%">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:10pt;margin-top:10pt"><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: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%">&#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) in the case of a reconstruction, consolidation, amalgamation or merger carried out in compliance with the requirements set forth 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;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) 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="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 Indentures, 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 relevant 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 relevant 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;</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;Agreement and Acknowledgment 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><font><br></font></div><div style="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 relevant Indenture or the Notes) may give rise to such a declaration of acceleration.</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 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 relevant 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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">1. BBVA has paid or deposited with the Trustee a sum of money sufficient to pay&#58;</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) all overdue installments of any interest on and Additional Amounts with respect to all Notes of such 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%">58</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">(B) 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: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%">(C) 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: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%">(D) all sums paid or advanced by the Trustee under the relevant 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 such Indenture&#59; and</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%">2. the Event of Default with respect to the Notes of such series shall have been cured or waived as provided in the relevant Indenture.</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 such rescission shall affect any subsequent default or impair any right consequent thereon.</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%">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 may, on behalf of the holders of all the Notes of such series, by Act, waive any past default under the relevant 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 relevant 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: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 holder of any Note of any series (which, for these purposes, includes each holder of a beneficial interest in the Notes) has the right to institute any proceeding, judicial or otherwise, with respect to such Note, the relevant 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 specifying such Event of Default and stating that such notice is a &#8220;Notice of Event of Default&#8221; under the relevant Indenture&#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 relevant Indenture with respect to such Notes and such holder or holders have offered to the Trustee reasonable indemnity satisfactory to the Trustee 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%">59</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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:400;line-height:100%">Notwithstanding anything to the contrary in the relevant Indenture and the Notes of the relevant series, and subject to the relevant Indenture&#8217;s provisions with respect to remedies, the ranking of the Notes of the relevant series and the exercise of the Spanish Bail-in Power, 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 relevant Indenture with respect to payment of defaulted interest, interest on, and any Additional Amounts with respect to, such Note on or after the dates upon which such amounts become due and payable pursuant to the terms of the relevant Indenture or the terms expressed 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 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: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%">Within 90 days after the occurrence of any default under the relevant 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; provided, however, 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: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%">&#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 relevant 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:10pt;margin-top:10pt"><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: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 anything to the contrary in the Notes or the Indentures, if an Eligible Liabilities Event occurs with respect to the Notes of any series, 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 relevant Indenture), subject to&#58; (i) having given not less than five nor more than 30 days&#8217; notice to the holders of such Notes in accordance with the relevant 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="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 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: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 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="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%">60</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">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:10pt;margin-top:10pt"><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: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%">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 relevant 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:10pt;margin-top:10pt"><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:10pt;margin-top:10pt;text-indent:22.5pt"><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 Indentures with Consent of Holders</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%">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 the 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 relevant Indenture for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the relevant 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 relevant Indenture and of waiving future compliance with respect to such Indenture and the Notes of such series&#59; provided, however, that no such supplemental indenture, without the consent of the holder of each Note of such series outstanding immediately prior thereto affected thereby, shall (in each case, with respect to the Notes of such series)&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">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:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">change any premium payable upon the redemption of such Notes or otherwise&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">change the obligation of BBVA to pay Additional Amounts&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">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:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">change the redemption provisions&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">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:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">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="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%">61</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">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 relevant Indenture or reduce the requirement for a quorum or voting&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">modify the provisions of the relevant 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 such Indenture cannot be modified or waived without the consent of each holder of Notes affected thereby&#59; or</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">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:10pt;margin-top:10pt"><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 relevant Indenture or the Notes of such series which is entered into pursuant to, and in accordance with, the provisions described below 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;Modification of the Indentures 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: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%">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 may, on behalf of the holders of all the Notes of such series, by Act, waive any past default under the relevant 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 relevant 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 Indentures without Consent of Holders </font></div><div style="margin-bottom:12pt;padding-left: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 each of the Indentures without the consent of the holders of the Notes of a series, in each case with respect to the Notes of such series or any other securities of the Issuer issued thereunder (together with the Notes, for the purposes of this paragraph, &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), to&#58; </font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">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 the securities of any series&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">add to the covenants of BBVA for the benefit of the holders of securities of all or any series or to surrender any right or power conferred upon BBVA under such Indenture&#59; provided that such securities do not cease, as a result thereof, to be fully eligible for inclusion in the Eligible Liabilities Amount (as defined in the relevant Indenture), and subject further to compliance with the Applicable Banking Regulations&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">establish the form or terms of the securities of any new series&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">evidence and provide for the acceptance of appointment by a successor trustee with respect to the securities of one or more series and to add to or change any of the provisions of such Indenture as is necessary to provide for or facilitate the administration of the trusts thereunder by more than one trustee under such Indenture&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">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 such Indenture which do not adversely affect the interests of the holders of the securities of any series in any material respect&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">add to, delete from or revise the conditions, limitations and restrictions on the terms or purposes of issue, authentication and delivery of securities&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">supplement any of the provisions of such Indenture to such extent as shall be necessary to permit the discharge of any series of securities, provided such action does not adversely affect the interests of any holders of securities of any series in any material respect&#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%">62</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">add any additional events of default for the benefit of the holders of securities of any series&#59; provided that such securities do not cease, as a result thereof, to be fully eligible for inclusion in the Eligible Liabilities Amount, and subject further to compliance with the Applicable Banking Regulations&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">secure any securities&#59; provided that such securities do not cease, as a result thereof, to be fully eligible for inclusion in the Eligible Liabilities Amount, and subject further to compliance with the Applicable Banking Regulations&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">delete, amend or supplement any provision of such Indenture provided such actions do not materially adversely affect the interests of the holders of securities outstanding immediately prior thereto&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">delete, amend or supplement any provision of such Indenture or the securities as a result of, and to the extent necessary to effect, the substitution or modification of any securities for the purposes of becoming again or remaining Qualifying Securities&#59; or</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-36pt"><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:32.15pt">delete, amend or supplement any provision of such Indenture or the securities 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:10pt;margin-top:10pt"><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: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%">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 relevant 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: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 Notes will not be subject to legal defeasance or covenant defeasance, as each are described in the accompanying prospectus.</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:100%">Consolidation, Merger and Conveyance of Assets&#59; Assumption</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%">Nothing contained in the Indentures 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; provided 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 relevant Indenture, and the performance of every covenant of such Indenture on the part of BBVA to be performed or observed.</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, 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; provided 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="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%">63</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">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 relevant 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 such Indenture with respect to any such Notes with the same effect as if such person had been named as BBVA in such Indenture, and BBVA or any legal and valid successor person which shall theretofore have become such in the manner prescribed in such Indenture, shall be released from all liability as obligor and any other obligations and covenants under such Indenture and under any such Notes, as the case may be.</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 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 &#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;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; 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:10pt;margin-top:10pt"><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: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 of New York Mellon, the Trustee currently appointed pursuant to each of the Indentures, has its principal corporate trust office located at 240 Greenwich Street, New York, NY 10286, and each of the Indentures is administered by The Bank of New York Mellon acting (except with respect to its role as security registrar) through its London Branch at 160 Queen Victoria Street, London, EC4V 4LA, 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 either of the Indentures 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: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 obligation to indemnify the Trustee in accordance with each of the Indentures 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: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%">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 relevant 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 Indentures 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: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 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 relevant 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 relevant 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="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%">64</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">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 relevant 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: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 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:10pt;margin-top:10pt"><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: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 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. Each of the Indentures 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 relevant Indenture.</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, each of the Paying Agent and (in the case of the 2035 Notes) 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 applicable, as provided in the Indentures.</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:100%">Repayment of Funds</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 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:10pt;margin-top:10pt"><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: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 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:10pt;margin-top:10pt"><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: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 Notes and each of the Indentures 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 each of the Indentures 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 each of the Indentures 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:10pt;margin-top:10pt"><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: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%">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 relevant 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="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%">65</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">Notwithstanding anything to the contrary in the Notes or the Indentures, the Spanish courts shall have exclusive jurisdiction in respect of any suit or proceeding arising out of or relating to the relevant 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;Bail-in Dispute&#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:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Agreement and Acknowledgment with Respect to the Exercise of the Spanish Bail-in Power</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 anything to the contrary in the Notes, the Indentures or any other agreements, arrangements, or understandings between BBVA and any holder of Notes, by its acquisition of any Notes, each holder (including, for purposes of this section, 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 relevant 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: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%">&#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 relevant Indenture.</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%">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 relevant 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="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%">66</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">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 relevant Indenture&#59; and (ii) the relevant 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; provided, however, that notwithstanding the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Notes of any 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 relevant Indenture, and the resignation and&#47;or removal of the Trustee and the appointment of a successor trustee will continue to be governed by such 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: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%">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: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%">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. 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&#8221; and &#8220;Item 4. Information on the Company&#8212;Business Overview&#8212;Supervision and Regulation&#8212;Capital Requirements, MREL and Resolution&#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: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 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 relevant 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;Agreement and Acknowledgment with Respect to the Exercise of the Spanish Bail-in Power&#8221;.</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:100%">Maintenance of Tax Procedures</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 of the Indentures will provide 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 set 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;income&#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 will agree 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 that may be required under Spanish law for payments on such Notes to be made free and clear of Spanish withholding tax.</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%">67</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></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%">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, currently at the rate of 19%. If this were to occur, BBVA would not pay Additional Amounts and owners of a beneficial interest in such Notes would have to follow the Direct Refund from Spanish Tax Authorities Procedures set forth in Annex A to this prospectus supplement in order to apply directly to the Spanish tax authorities for any refund to which they may be entitled.</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:100%">Notices</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 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%">68</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><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: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%">$750,000,000 TIER 2 SUBORDINATED CALLABLE FIXED-TO-FIXED RATE NOTES DUE 2034 </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-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="text-align:center"><font><br></font></div><div style="text-indent:35.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA&#8217;s $750,000,000 Tier 2 subordinated callable fixed-to-fixed rate notes due 2034 (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 with respect to subordinated debt securities (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 as of July 28, 2016 between BBVA, as issuer, and The Bank of New York Mellon, acting (except with respect to its role as security registrar) 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;), security registrar, 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;), as amended and supplemented, with respect to the Notes, by the first supplemental indenture dated as of November 15, 2023 between BBVA, as issuer, and The Bank of New York Mellon, acting (except with respect to its role as security registrar) through its London Branch, as Trustee, Paying Agent, transfer 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 security registrar (the Base Indenture, as so amended and supplemented with respect to the 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><font><br></font></div><div style="text-indent:35.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes were issued pursuant to resolutions of the board of directors of BBVA adopted on June 25, 2019 and July 28, 2022.</font></div><div><font><br></font></div><div style="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 amended and supplemented the Base Indenture in certain material respects. The Base Indenture is included as Exhibit 4.4 to BBVA&#8217;s Registration Statement on Form F-3 filed with the SEC on July 29, 2022 and the first supplemental indenture is included as Exhibit 4.13 to BBVA&#8217;s report on Form 6-K furnished to the SEC on November 15, 2023 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><font><br></font></div><div style="text-indent:35.45pt"><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><font><br></font></div><div style="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 (including subordinated notes) under other indentures or documentation that contains provisions different from those included in the Indenture, including future subordinated 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 the Notes or the Indenture.</font></div><div style="text-indent:36pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">General </font></div><div><font><br></font></div><div style="text-indent:35.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The 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 November 15, 2034 (the &#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;). The Notes were issued only in registered form in denominations of $200,000 with increments of $200,000 thereafter.</font></div><div><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%">69</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:35.45pt"><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 on or in respect of the Notes are made in U.S. dollars. Therefore, the Notes 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. As long as DTC or its nominee is the registered holder of such global certificates representing the Notes, DTC or its nominee, as the case may be, will be considered the sole owner and holder of the Notes represented by such global certificates for all purposes under the Indenture and the Notes. Except as described below, owners of beneficial interests in a Note 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="text-indent:35.45pt"><font><br></font></div><div style="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, 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&#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;</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="text-indent:36pt"><font><br></font></div><div><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><font><br></font></div><div style="text-indent:35.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Notes bear interest (i) from (and including) November 15, 2023 (the &#34;Issue Date&#34;) to (but excluding) the Reset Date (as defined below) or any date of earlier redemption at a fixed rate of 7.883% per annum and (ii) thereafter, from (and including) the Reset Date to (but excluding) the 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 330 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 Notes semi-annually on May 15 and November 15 of each year, commencing on May 15, 2024 up to (and including) the Stated Maturity Date or any date of earlier redemption (each an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">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><font><br></font></div><div style="text-indent:35.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">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%">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><font><br></font></div><div style="text-indent:35.45pt"><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 Reset Determination Date.</font></div><div><font><br></font></div><div style="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 November 15, 2033.</font></div><div><font><br></font></div><div style="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 Reset 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%">70</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font><br></font></div><div style="text-indent:35.45pt"><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><font><br></font></div><div style="text-indent:35.45pt"><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 the Notes falls on a day that is not a Business Day, payment of principal and interest on the 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><font><br></font></div><div style="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="text-indent:36pt"><font><br></font></div><div><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><font><br></font></div><div style="text-indent:35.45pt"><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 (if any)) 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><font><br></font></div><div style="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><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Redemption</font></div><div><font><br></font></div><div style="text-indent:36pt"><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><font><br></font></div><div style="text-indent:35.45pt"><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 the Notes, the redemption price of the Notes to be redeemed 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><font><br></font></div><div style="text-indent:35.45pt"><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 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><font><br></font></div><div style="text-indent:35.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any redemption shall be subject to the prior consent of the Regulator (as defined in the Indenture), if required pursuant to Applicable Banking Regulations (as defined in the Indenture), and otherwise in accordance with Articles 77 and 78 of CRR (as defined in the Indenture) and&#47;or any other Applicable Banking Regulations then in force. </font></div><div><font><br></font></div><div style="text-indent:35.45pt"><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 five nor more than 30 days prior to the redemption date.</font></div><div><font><br></font></div><div style="text-indent:35.45pt"><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, 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><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%">71</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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 Taxation Reasons </font></div><div style="text-indent:12.2pt"><font><br></font></div><div style="text-indent:35.45pt"><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 only of the 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 the Issue Date of the Notes, (i) BBVA would become obligated to pay Additional Amounts in making any payments under the 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) BBVA would not be entitled to claim a deduction in computing tax liabilities in Spain or any political subdivision thereof or therein having the power to tax in respect of any interest to be paid on the next Interest Payment Date on the Notes or the value of such deduction to BBVA would be reduced or (iii) the applicable tax treatment of the Notes would be materially affected and such change was not reasonably foreseeable on the Issue Date&#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, 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="text-indent:35.45pt"><font><br></font></div><div style="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 upon a Capital Event</font></div><div style="text-indent:9pt"><font><br></font></div><div style="text-indent:35.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">So long as the Notes are included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital, BBVA may, at its option, redeem all (but not less than all) the Notes at the Redemption Price if a Capital Event (as defined in the Indenture) occurs with respect to the Notes on or after the Issue Date of the Notes.</font></div><div style="text-indent:35.45pt"><font><br></font></div><div style="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 upon an Eligible Liabilities Event </font></div><div style="text-indent:12.2pt"><font><br></font></div><div style="text-indent:35.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">To the extent the Notes cease to be included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital, BBVA may, at its option, redeem all (but not less than all) the Notes at the Redemption Price if an Eligible Liabilities Event occurs with respect to the Notes on or after the Issue Date of the Notes. </font></div><div><font><br></font></div><div style="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%">Optional Early Redemption (Issuer Call) </font></div><div style="text-indent:12.2pt"><font><br></font></div><div style="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 at the Redemption Price on the  Reset Date.</font></div><div style="text-indent:36pt"><font><br></font></div><div style="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%">Clean-up Call</font></div><div><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If, on or after the Issue Date, Notes representing, in the aggregate, 75% or more of the aggregate principal amount of the Notes (including any Notes issued after the Issue Date and any Notes which have been cancelled by the Trustee in accordance with the Indenture) have been purchased by or on behalf of BBVA or any member of the Group, the Notes may be redeemed, in whole but not in part, at the option of BBVA at any time at the Redemption Price.</font></div><div style="text-indent:36pt"><font><br></font></div><div><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><font><br></font></div><div style="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 member of the Group or any other legal entity acting on behalf of BBVA may purchase or otherwise acquire any of the outstanding Notes at any price in the open market or otherwise, subject to the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations, and otherwise in accordance with Articles 77 and 78 of CRR and&#47;or any other Applicable Banking Regulations in force at the relevant time. Upon their acquisition, such 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). Any such purchased Notes will cease to be deemed &#8220;outstanding&#8221; under the Indenture (i) for so long as such purchased Notes are held by BBVA or any member of the Group or any other legal entity acting on behalf of BBVA or (ii) if such purchased Notes have been surrendered to the Trustee for cancellation.</font></div><div style="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%">72</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><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><font><br></font></div><div style="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 constitute direct, unconditional, unsecured and subordinated 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 subordinados) </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 14.3 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, for so long as the Notes constitute Tier 2 Instruments of BBVA, will rank&#58; (i) junior to any (a) claim in respect of any unsubordinated obligations of BBVA (including where the relevant claim subsequently becomes subordinated pursuant to Article 281.1.1 of the Insolvency Law), (b) claim in respect of Senior Subordinated Debt and (c) other subordinated 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 subordinados) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">of BBVA which by law and&#47;or by their terms, to the extent permitted by Spanish law, rank senior to the obligations of BBVA in respect of the Notes and do not qualify as Additional Tier 1 Instruments or Tier 2 Instruments&#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 claims in respect of other contractually subordinated obligations of BBVA under any outstanding Tier 2 Instruments, present and future, and any other subordinated 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 subordinados) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">of BBVA which by law and&#47;or by their terms, to the extent permitted by Spanish law, rank </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 the obligations of BBVA in respect of the Notes&#59; and (iii) senior to (a) any claim in respect of any other subordinated 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 subordinados) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">of BBVA which by law and&#47;or by their terms, to the extent permitted by Spanish law, rank junior to the obligations of BBVA in respect of the Notes, including, without limitation, any claim in respect of contractually subordinated obligations of BBVA under any outstanding Additional Tier 1 Instruments, present and future, and (b) ordinary shares of BBVA, such that any relevant claim 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 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">pro rata </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">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 herein.</font></div><div><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">To the extent the Notes cease to constitute a Tier 2 Instrument of BBVA, 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, the payment obligations of BBVA under the Notes will rank&#58; (i) junior to any</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%">claim in respect of any unsubordinated obligations of BBVA (including where the relevant claim subsequently</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%">becomes subordinated pursuant to Article 281.1.1 of the Insolvency Law) and any other subordinated 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%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">which by law and&#47;or by their terms, to the extent permitted by Spanish law, rank senior to the obligations of BBVA in respect of Senior Subordinated Debt&#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</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%">themselves and with all claims in respect of Senior Subordinated Debt, and any other subordinated 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%"> </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%">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%">of BBVA which by law and&#47;or by their terms, to the extent permitted by Spanish law, rank </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 the obligations of BBVA in respect of Senior Subordinated Debt&#59; and (iii) senior to</font></div><div style="text-indent:36pt"><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a) any claim in respect of any other subordinated 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 subordinados) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">of BBVA which by law and&#47;or by their terms, to the extent permitted by Spanish law, rank junior to the obligations of BBVA in respect of Senior Subordinated Debt, including, without limitation, any claim in respect of contractually subordinated obligations of BBVA under any outstanding Additional Tier 1 Instruments or Tier 2 Instruments, present and future, and (b) ordinary shares of BBVA, such that any relevant claim 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 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">pro rata </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">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 herein.</font></div><div><font><br></font></div><div style="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%">Additional Tier 1 Capital</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means Additional Tier 1 capital (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">capital de nivel 1 adicional</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) as provided under Applicable Banking Regulations.</font></div><div><font><br></font></div><div style="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%">Additional Tier 1 Instrument</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means any instrument of BBVA qualifying as Additional Tier 1</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Capital, in whole or in part.</font></div><div><font><br></font></div><div style="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 Subordinated Debt</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means the contractually subordinated 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 subordinados</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) of BBVA, present and future, ranking as subordinated debt not constituting Additional Tier 1 Capital or Tier 2 Capital of BBVA and&#47;or the Group, in accordance with Spanish law, for the purposes of Additional Provision 14.3.1&#186; of Law 11&#47;2015.</font></div><div><font><br></font></div><div style="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%">Tier 2 Capital</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means Tier 2 capital (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">capital de nivel 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">) as provided under Applicable Banking</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Regulations.</font></div><div><font><br></font></div><div style="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%">Tier 2 Instrument</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means any instrument of BBVA qualifying as Tier 2 Capital, in whole or in part.</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%">73</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font><br></font></div><div style="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</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%">Notes shall accrue from the date of declaration of the insolvency of BBVA. Claims in respect of Additional</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%">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><font><br></font></div><div style="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 (including, for purposes of this paragraph, each holder of a beneficial interest in the relevant Notes) of the Notes, by his or her acquisition thereof, will be deemed to have agreed to the subordination of the Notes as described above. Each such holder will be deemed to have irrevocably waived his or her rights of priority which would otherwise be accorded to him or her under the laws of Spain, to the extent necessary to effectuate the subordination provisions of the Notes. In addition, 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 subordination of the Notes 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><font><br></font></div><div style="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 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><font><br></font></div><div><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><font><br></font></div><div style="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, 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) 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) 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><font><br></font></div><div style="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. In addition, neither (i) a reduction or cancellation, in part or in full, of the Amounts Due on the Notes 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 the Notes, will constitute an Event of Default or default under the Indenture or the Notes or otherwise constitute non-performance of a contractual obligation, or entitle the holders of the 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 and Acknowledgement 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</font><font style="color:#ff0000;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-weight:400;line-height:100%">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><font><br></font></div><div style="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 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</font><font style="color:#ff0000;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-weight:400;line-height:100%">give rise to such a declaration of acceleration.</font></div><div><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%">74</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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 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 may by Act, rescind and annul such declaration and its consequences if&#58;</font></div><div><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">1. BBVA has paid or deposited with the Trustee a sum of money sufficient to pay&#58;</font></div><div style="text-indent:36pt"><font><br></font></div><div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(A) all overdue installments of any interest on and Additional Amounts with respect to all Notes&#59;</font></div><div style="text-indent:54pt"><font><br></font></div><div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(B) the principal of and any premium on any Notes 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 the Notes&#59;</font></div><div style="text-indent:54pt"><font><br></font></div><div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(C) 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 the Notes&#59; and</font></div><div style="text-indent:54pt"><font><br></font></div><div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(D) 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><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">2. the Event of Default with respect to the Notes shall have been cured or waived as provided in the Indenture.</font></div><div><font><br></font></div><div style="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><font><br></font></div><div style="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 on behalf of the holders of all the Notes may, by Act, waive any past default under the Indenture (with respect to the Notes) and the 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 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.</font></div><div><font><br></font></div><div style="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 (which, for these purposes, includes each holder of a beneficial interest in the Notes)has the right to institute any proceeding, judicial or otherwise, with respect to such Note, 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 specifying such Event of Default and stating that such notice is a &#8220;Notice of Event of Default&#8221; under the Indenture&#59; (ii) the holders of not less than 25% in principal amount of the outstanding Notes 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 the Notes and such holder or holders have offered to the Trustee reasonable indemnity satisfactory to the Trustee 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.</font></div><div><font><br></font></div><div style="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 Indenture and the Notes, and subject to the Indenture&#8217;s provisions with respect to remedies, the subordination of the Notes and the exercise of the Spanish Bail-In Power, 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 dates upon which such amounts become due and payable pursuant to the terms of the Indenture or the terms expressed 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 without the consent of such holder, except that holders of not less than 75% in principal amount of the outstanding Notes may consent by Act, on behalf of the holders of all outstanding Notes, to the postponement of the due date of any installment of interest for a period not exceeding</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">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><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%">75</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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, the Trustee shall transmit by mail to all holders of Notes 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. 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.</font></div><div><font><br></font></div><div style="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 and the written instrument or instruments in which such action is embodied and by which such action is evidenced.</font></div><div><font><br></font></div><div><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><font><br></font></div><div style="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 (only so long as the Notes are included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital) a Capital Event or (to the extent the Notes cease to be included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital) an Eligible Liabilities Event occurs with respect to the 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 or modify the terms of all (but not less than all) of the Notes, 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 five nor more than 30 days&#8217; notice to the holders of the 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 the Notes resulting from such modification or, if the Notes are substituted, any difference between the terms of the Notes and those of the Qualifying Securities by which the Notes are substituted, not being materially prejudicial to the interests of the holders of the 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><font><br></font></div><div style="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, any variation in the ranking of the 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 the 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 on their Issue Date.</font></div><div><font><br></font></div><div style="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 are substituted in accordance with the paragraphs set forth above, the Notes will cease to bear interest from (and including) the date of such substitution. </font></div><div><font><br></font></div><div style="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 or a Capital Event, as the case may be. </font></div><div><font><br></font></div><div><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><font><br></font></div><div style="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</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%">76</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">outstanding Notes have given any request, demand, authorization, direction, notice, consent or waiver under the Notes or the Indenture, any Note owned by BBVA or any other obligor upon the 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) 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><font><br></font></div><div><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><font><br></font></div><div style="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%">Modification of the Indenture with Consent of Holders </font></div><div style="text-indent:12.2pt"><font><br></font></div><div style="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 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 or of modifying in any manner the rights of the holders of the Notes under the Indenture and of waiving future compliance with respect to the Indenture and the 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, 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><font><br></font></div><div style="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</font></div><div style="margin-bottom:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">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 may consent by Act, on behalf of the holders of all of the outstanding Notes, 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: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%">&#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 the Notes or otherwise&#59;</font></div><div style="margin-bottom: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%">&#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: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%">&#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: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%">&#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: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%">&#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="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,</font></div><div style="margin-bottom:10pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">interest or any Additional Amounts with respect to the Notes&#59;</font></div><div style="margin-bottom: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%">&#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 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: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%">&#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 any of the provisions of the Indenture relating to the subordination of the outstanding Notes in a manner adverse to holders of outstanding Notes&#59;</font></div><div style="margin-bottom: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%">&#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="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%">77</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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</font></div><div style="padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">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><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%">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</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%">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><font><br></font></div><div style="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 on behalf of the holders of all the Notes may, by Act, waive any past default under the Indenture (with respect to the Notes) and the 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 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.</font></div><div><font><br></font></div><div style="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%">Modification of the Indenture without Consent of Holders </font></div><div style="text-indent:12.2pt"><font><br></font></div><div style="text-indent:13.5pt"><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 to&#58;</font></div><div><font><br></font></div><div style="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</font></div><div style="padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">the covenants of BBVA in the Indenture and in any Notes&#59;</font></div><div style="padding-left:36pt"><font><br></font></div><div style="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 or to surrender any right or</font></div><div style="padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">power conferred upon BBVA under the Indenture&#59; provided that the Notes do not cease, as a result thereof, to (so long as the Notes are included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital) be included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital or (to the extent the Notes cease to be included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital) be fully eligible for inclusion in the Eligible Liabilities Amount (as defined in the Indenture), and subject further to compliance with the Applicable Banking Regulations&#59;</font></div><div style="padding-left:36pt"><font><br></font></div><div style="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><font><br></font></div><div style="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</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notes of one or more series and to add to or change any of the provisions of the Indenture as is</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">necessary to provide for or facilitate the administration of the trusts thereunder by more than one</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">trustee under the Indenture&#59;</font></div><div><font><br></font></div><div style="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 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 in any material respect&#59;</font></div><div><font><br></font></div><div style="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><font><br></font></div><div style="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 the Notes, provided such action does not adversely affect the interests of any holders of Notes in any material respect&#59;</font></div><div><font><br></font></div><div style="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&#59; provided that the Notes do not cease, as a result thereof, to (so long as the Notes are included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital) be included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital or (to the extent the Notes cease to be included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital) be fully eligible for inclusion in the Eligible Liabilities Amount, and subject further to compliance with the Applicable Banking Regulations&#59;</font></div><div style="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&#59; provided that the Notes do not cease, as a result thereof, to (so long as the Notes are included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital) be included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital or (to the extent the Notes cease to be included in, or count towards, the Group&#8217;s or BBVA&#8217;s Tier 2 Capital) be fully eligible for inclusion in the Eligible Liabilities Amount, and subject further to compliance with the Applicable Banking Regulations&#59;</font></div><div><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%">78</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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><font><br></font></div><div style="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><font><br></font></div><div style="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><font><br></font></div><div><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><font><br></font></div><div style="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 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 the Notes which results in the redemption, cancellation, or the conversion into other securities, of all the Amounts Due on the Notes or such Notes otherwise ceasing to be outstanding, the Indenture shall be deemed satisfied and discharged as to such Notes and such Notes shall thereafter be deemed to be not outstanding.</font></div><div><font><br></font></div><div style="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><font><br></font></div><div><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><font><br></font></div><div style="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><font><br></font></div><div style="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 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 subordinated 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 subordinated 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="text-indent:36pt"><font><br></font></div><div style="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 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 the 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 the Notes, as the case may be. </font></div><div><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%">79</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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 &#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</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%">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><font><br></font></div><div><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><font><br></font></div><div style="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 160 Queen Victoria Street, London, EC4V 4LA, 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><font><br></font></div><div style="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><font><br></font></div><div style="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, (i) the Trustee shall not be required to take any further directions from holders with respect to any portion of the Notes 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 the Notes.</font></div><div><font><br></font></div><div style="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 the Notes, any Notes remain outstanding (for example, if such exercise results in only a partial write-down of the principal amount of the Notes), then there shall at all times be a trustee for the Notes 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><font><br></font></div><div style="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><font><br></font></div><div style="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><font><br></font></div><div><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><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%">80</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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><font><br></font></div><div style="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 applicable, as provided in the Indenture.</font></div><div><font><br></font></div><div><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><font><br></font></div><div style="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><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Prescription</font></div><div><font><br></font></div><div style="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><font><br></font></div><div><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><font><br></font></div><div style="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 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><font><br></font></div><div><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><font><br></font></div><div style="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><font><br></font></div><div style="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><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Agreement and Acknowledgment with Respect to the Exercise of the Spanish Bail-in Power  </font></div><div><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%">81</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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 Notes, by its acquisition of any Notes, each holder (including, for purposes of this section, 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, 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 the Notes&#59; (b) the conversion of all, or a portion, of the Amounts Due on the Notes into shares, other securities or other obligations of BBVA or another person (and</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">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 the Notes&#59; (c) the cancellation of the Notes&#59; (d) the amendment or alteration of the maturity of the Notes or amendment of the amount of interest payable on the 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, 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><font><br></font></div><div style="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, 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. 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><font><br></font></div><div style="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, 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, 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 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><font><br></font></div><div style="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. 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&#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, so long as any Notes remain outstanding, there will at all times be a trustee for the Notes 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 remain outstanding following the completion of the exercise of the Spanish Bail-in Power.</font></div><div><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,</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">directed and requested DTC and any direct participant in DTC or other intermediary through which it holds the Notes to take any and all necessary actions, if required, to implement the exercise of the Spanish Bail-in Power with respect to the Notes as it may be imposed, without any further action or direction on the part of such holder of Notes.</font></div><div><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%">82</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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, 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. BBVA will also deliver a copy of such notice to the Trustee for information purposes.</font></div><div><font><br></font></div><div style="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="text-indent:36pt"><font><br></font></div><div style="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%">Subsequent Holders&#8217; Agreement </font></div><div style="text-indent:12.2pt"><font><br></font></div><div style="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 and Acknowledgement</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%">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><font><br></font></div><div><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><font><br></font></div><div style="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 the 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 the Notes or the collection of any other documentation concerning the Notes or the beneficial owners thereof that may be required under Spanish law for payments on the Notes not to be subject to Spanish withholding tax.</font></div><div><font><br></font></div><div style="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, 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><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Notices </font></div><div><font><br></font></div><div style="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%">83</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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 SERIES 12 NON-STEP-UP NON-CUMULATIVE CONTINGENT CONVERTIBLE PERPETUAL PREFERRED TIER 1 SECURITIES</font></div><div style="text-align:center"><font><br></font></div><div style="padding-left:58.5pt;text-indent:-49.5pt"><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><font><br></font></div><div style="text-indent:18pt"><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 Series 12 Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Preferred Securities</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 dated September 25, 2017 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Contingent Convertible Preferred Securities Indenture</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) between BBVA, as issuer, and The Bank of New York Mellon, acting (except with respect to its role as contingent convertible preferred security registrar) through its London Branch, as trustee, paying and conversion agent, principal paying agent and contingent convertible preferred security registrar, as amended and supplemented, with respect to the Preferred Securities, by the third supplemental indenture dated as of September 19, 2023 between BBVA, as issuer, The Bank of New York Mellon, acting (except with respect to its role as contingent convertible preferred security registrar) through its London Branch, as trustee, paying and conversion agent, calculation agent, principal paying agent and contingent convertible preferred security registrar (the Contingent Convertible Preferred Securities Indenture, as so amended and supplemented with respect to the Preferred Securities, 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="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Preferred Securities were issued pursuant to the resolution of the board of directors of BBVA adopted on June 27, 2023. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The third supplemental indenture amended and supplemented the Contingent Convertible Preferred Securities Indenture in certain material respects. The Contingent Convertible Preferred Securities Indenture is included as Exhibit 4.6 to BBVA&#8217;s Registration Statement on Form F-3 filed with the SEC on July 29, 2022, and the third supplemental indenture is included as Exhibit 4.11 to BBVA&#8217;s report on Form 6-K furnished to the SEC on September 19, 2023 and incorporated by reference into such Registration Statement. Holders of the Preferred Securities may also obtain a copy of the Indenture from the trustee.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 Preferred Securities and the Indenture does not purport to be complete and is subject, and qualified in its entirety by reference, to all the provisions of the Preferred Securities and the Indenture, including the definitions of the terms provided therein. Whenever we refer to specific provisions of or terms defined in the Indenture in this section, we incorporate by reference into this section such specific provisions of or terms defined in the Indenture. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may issue future preferred securities under other indentures or documentation that contains provisions different from those included in the Indenture, including future preferred securities under the Contingent Convertible Preferred Securities Indenture (as it may be amended and supplemented by any relevant supplemental indenture). BBVA is not prohibited under the Preferred Securities or the Indenture from paying any amounts due under any of its obligations at a time when they are in default or BBVA has failed to pay any amounts due under the Preferred Securities or the Indenture. </font></div><div style="text-indent:18pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">General</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Preferred Securities were issued in an aggregate Liquidation Preference of $1,000,000,000. The Preferred Securities are perpetual instruments with no fixed maturity or fixed redemption date. The Preferred Securities were issued in registered form and carry a liquidation preference of $200,000 per Preferred Security. The Preferred Securities constitute a series of contingent convertible preferred securities under the Contingent Convertible Preferred Securities Indenture.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Preferred Securities were issued in the form of one or more global certificates, deposited with a custodian for DTC, and Preferred Securities represented thereby were registered in the name of Cede &#38; Co., as nominee for DTC. Beneficial interests in the Preferred Securities are shown on, and transfers thereof may be effected only through, the book-entry records maintained by DTC and its participants. Holders of Preferred Securities will not receive definitive Preferred Securities except as provided in the Indenture. </font></div><div style="text-indent:18pt"><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%">84</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As described 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;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein, the terms of the Preferred Securities provide that BBVA </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">may elect, in its sole and absolute discretion, to cancel the payment of any Distribution (as defined in the Indenture) on the Preferred Securities in whole or in part at any time and for any or no reason.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">  As described 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;Distributions&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein, the terms of the Preferred Securities also provide for circumstances under which BBVA is restricted from making a Distribution (in whole or in part) on the Preferred Securities on a Distribution Payment Date, and the Distribution payable in respect of any such Distribution Payment Date shall be deemed cancelled (in whole or in part) and therefore not due and payable. Distributions are only due and payable on a Distribution Payment Date to the extent they are not cancelled or deemed cancelled previously or thereafter in accordance with the provisions of the Indenture. Any Distributions cancelled or deemed cancelled (in each case, in whole or in part) in the circumstances described herein shall not be due and shall not accumulate or be payable at any time thereafter, and holders of the Preferred Securities shall have no rights thereto or to receive any additional Distributions or compensation as a result of such cancellation or deemed cancellation. For the avoidance of doubt, non-payment of a Distribution (or any part thereof) in respect of the Preferred Securities shall evidence BBVA&#8217;s exercise of its discretion to cancel such Distribution (or such part thereof), and accordingly such Distribution (or such part thereof) shall also not be due and payable. Furthermore, Distributions on the Preferred Securities are non-cumulative. Accordingly, if any Distribution (or any part thereof) is not paid in respect of the Preferred Securities, then the right of the holders to receive the relevant Distribution (or such part thereof) in respect of the relevant Distribution Period will be extinguished and BBVA will have no obligation to pay such Distribution (or such part thereof) accrued for such Distribution Period or to pay any interest thereon, whether or not Distributions on the Preferred Securities are paid in respect of any future Distribution Period.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As the Preferred Securities are perpetual and have no fixed maturity or fixed redemption date, unless the Preferred Securities are redeemed, a holder may not receive any payments with respect to the Preferred Securities as BBVA is not required to pay the Liquidation Preference of the Preferred Securities at any time prior to a Liquidation Event and BBVA has the sole and absolute discretion at all times and for any or no reason to cancel in whole or in part any Distribution. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No premium, upon redemption or otherwise, shall be payable by BBVA on the Preferred Securities.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By acquiring any Preferred Security, each holder and beneficial owner acknowledges and agrees that&#58; (i) Distributions are payable solely at BBVA&#8217;s discretion, and no amount of Distribution shall become or remain due and payable in respect of the relevant Distribution Period to the extent that it has been cancelled or deemed cancelled by BBVA and&#47;or as a result of the limitations on payment 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%">&#8212;Distributions&#8212;Restrictions on Payments</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%">&#8212;Distributions&#8212;Distributions Discretionary</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%">herein&#59; and (ii) a cancellation or deemed cancellation of any Distribution (in whole or in part) in accordance with the terms of the Indenture and the Preferred Securities shall not constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture, or the occurrence of any event related to BBVA&#8217;s insolvency or entitle holders to take any action to cause such Distribution to be paid or the liquidation, dissolution or winding-up of BBVA or in any way limit or restrict BBVA from making any distribution or equivalent payment in connection with any instrument, including any instrument ranking junior to the Preferred Securities (including, without limitation, any CET1 Capital of BBVA or any member of the BBVA Group), or in respect of any Parity Security or other Security, except to the extent Applicable Banking Regulations (as defined in the Indenture) otherwise provide. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">As provided in the Indenture, if a Trigger Event occurs, the Preferred Securities will be converted in whole and not in part, and if a Capital Reduction occurs, the Preferred Securities will be converted in whole and not in part except for Preferred Securities in respect of which such holders have elected not to convert such Preferred Securities. To exercise such right, a holder of Preferred Securities must complete, sign and deposit at the specified office of any Paying and Conversion Agent (as defined in the Indenture) a duly completed and signed Election Notice, in the form indicated in the Capital Reduction Notice, on or before the tenth Business Day (as defined in the Indenture) immediately following the Capital Reduction Notice Date. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Upon any Trigger Event, holders (and beneficial owners) of any Preferred Securities shall have no claim against BBVA in respect of (i) any Liquidation Preference of the Preferred Securities or (ii) any accrued and unpaid Distributions in respect of Preferred Securities, and the Preferred Securities shall cease to represent any right other than the right to receive Common Shares from or on behalf of the Conversion Shares Depository (except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares).</font></div><div style="text-indent:18pt"><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%">85</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Upon any Capital Reduction, holders (and beneficial owners) of any Preferred Securities, other than holders of Preferred Securities in respect of which such holders have elected not to convert such Preferred Securities as provided 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%">Conversion</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein, shall have no claim against BBVA in respect of any Liquidation Preference of such Preferred Securities, and the Preferred Securities, other than Preferred Securities in respect of which holders have elected not to convert such Preferred Securities as provided 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%">Conversion</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein shall cease to represent any right other than the right to receive Common Shares from or on behalf of the Conversion Shares Depository (except as noted in the Indenture with respect to certain stamp and similar taxes. </font></div><div style="text-indent:18pt"><font><br></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-weight:400;line-height:100%">As provided in the Indenture, holders of the Preferred Securities may elect to have their Common Shares delivered in the form of Common Shares or ADSs. The obligation to deliver ADSs if a holder elects to have its Common Shares delivered in such form will apply only if on the relevant Conversion Settlement Date BBVA continues to maintain an ADS depositary facility. Holders that elect to receive Common Shares in the form of ADSs must pay any fees that may be payable to the ADS Depositary as a result of the issue and delivery of such ADSs in accordance with the Delivery Notice. </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-weight:400;line-height:100%">In order to obtain delivery of the relevant Common Shares on Conversion, the relevant holder must deliver a duly completed Delivery Notice together with the Preferred Securities held by it in accordance with the provisions set out in the Indenture. In addition, within ten Business Days following the Conversion Settlement Date, all Common Shares held by the Conversion Shares Depository in respect of which the applicable Preferred Securities and a duly completed Delivery Notice have not been received on or before the Notice Cut-off Date as aforesaid will be sold by or on behalf of the Selling Agent as soon as reasonably practicable and (subject to the deduction by or on behalf of the Selling Agent of any amount payable in respect of its liability to taxation and the payment of any capital, stamp, issue, registration and&#47;or transfer taxes and duties (if any) and any fees or costs incurred by or on behalf of the Selling Agent in connection with the sale and allotment thereof) the net proceeds of such sale shall as soon as reasonably practicable be distributed pro rata to the relevant holders in accordance with the Indenture or in such other manner and at such time as BBVA shall determine and notify to the relevant holders.</font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Conversion Shares Depository may be BBVA or another member of the BBVA Group or a third party.</font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Preferred Securities are not convertible into Common Shares at the option of holders of Preferred Securities at any time and are not redeemable in cash as a result of a Conversion Event. Notwithstanding any other provision of the Indenture or herein, by its acquisition of the Preferred Securities, each holder and beneficial owner shall be deemed to have (i) agreed to all the terms and conditions of the Preferred Securities, including, without limitation, those related to (x) Conversion following a Trigger Event or Capital Reduction, as the case may be, and (y) the appointment of the Conversion Shares Depository, the issuance of the Common Shares to the Conversion Shares Depository, and acknowledged that such events in (x) and (y) may occur without any further action on the part of the holders or beneficial owners of the Preferred Securities or the trustee, (ii) agreed that effective upon, and following, a Conversion Event, no amount shall be due and payable to the holders of the Preferred Securities (other than any accrued and unpaid Distributions to be paid upon a Capital Reduction Conversion in accordance with the provisions 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%">&#8212;Conversion&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#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 Payments</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%">&#8212;Distributions&#8212;Distributions Discretionary</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%">herein and except as provided 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;Conversion&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein) and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares), and BBVA&#8217;s liability to pay any amounts (including the Liquidation Preference of, or any Distribution in respect of the Preferred Securities (other than any accrued and unpaid Distributions to be paid upon a Capital Reduction Conversion in accordance with the provisions described 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;Conversion&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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;Distributions&#8212;Restrictions on Payments</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%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein and except as provided under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">&#8220;&#8212;Conversion&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein), and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares)) shall be automatically released, and the holders of the Preferred Securities so converted shall not have the right to give a direction to the trustee with respect to the Conversion Event and any related Conversion, (iii) agreed that following a Conversion Event, the Relevant Spanish Resolution Authority may exercise its Spanish Bail-in Power with respect to the Preferred Securities or any Common Shares that may be received following a Conversion, which exercise may result in any of the consequences described in the first paragraph 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;Agreement and Acknowledgment with Respect to the Exercise of the Spanish </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%">86</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">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;, the cancellation of the Conversion and&#47;or the implementation of material changes to the Conversion terms, (iv)waived, to the extent permitted by the Trust Indenture Act, any claim against the trustee arising out of its acceptance of its trusteeship under, and the performance of its duties, powers and rights in respect of, the Indenture and in connection with the Preferred Securities so converted or to be converted, including, without limitation, claims related to or arising out of or in connection with a Conversion Event and&#47;or any Conversion and (v) authorized, directed and requested DTC, the European Clearing Systems and any direct participant in DTC, the European Clearing Systems or other intermediary or depositary through which it holds such Preferred Securities to be converted to take any and all necessary action, if required, to implement the Conversion without any further action or direction on the part of such holder or beneficial owner of such Preferred Securities or the trustee. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA&#8217;s obligations under the Preferred Securities are subject to, and may be limited by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority.</font></div><div style="text-indent:18pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Distributions</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Preferred Securities accrue Distributions&#58; (i) in respect of the period from (and including) the Closing Date (as defined in the Indenture) to (but excluding) the First Reset Date at the rate of 9.375% per annum&#59; and (ii) in respect of each Reset Period (as defined in the Indenture), at the rate per annum equal to the aggregate of 5.099% per annum and the 5-year UST for such Reset Period, and such aggregate converted to a quarterly rate in accordance with market convention (rounded to four decimal places, with 0.00005 rounded down), all as determined by the Calculation Agent (as defined in the Indenture) on the relevant Reset Determination Date&#59; provided that any Distribution Rate shall not be less than zero. As of the issue date of the Preferred Securities, the market convention for quarterly rate conversion was as follows&#58;</font></div><div style="text-align:center;text-indent:18pt"><img alt="frmulaexhibit21a.jpg" src="frmulaexhibit21a.jpg" style="height:50px;margin-bottom:5pt;vertical-align:text-bottom;width:403px"></div><div style="text-indent:18pt"><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="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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%">5-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, in relation to a Reset Date and the Reset Period commencing on that Reset Date, 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 five years as published in the most recent H.15.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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%">First 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 19, 2029.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">most recent 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 H.15 that includes a yield to maturity for U.S. Treasury securities with a maturity of five years, published closest in time (but prior to) the relevant Reset Determination Date&#59;</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 the First Reset Date and every fifth anniversary thereafter.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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, in relation to each Reset Date, the second Business Day immediately preceding such Reset Date.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 Period</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; means the period from (and including) a Reset Date to (but excluding) the next succeeding Reset Date.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject as described herein (including 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;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">&#8220;&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) and in the Indenture, such Distributions are payable quarterly in arrears on each Distribution Payment Date (as defined 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%">87</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If a Distribution is required to be paid in respect of a Preferred Security on any date other than a Distribution Payment Date, it shall be calculated by the Calculation Agent by applying the Distribution Rate to the Liquidation Preference in respect of each Preferred Security (i.e., $200,000 per Preferred Security), multiplying the product by (i) the actual number of days in the period from (and including) the applicable Accrual Date (as defined in the Indenture) to (but excluding) the date on which Distributions fall due divided by (ii) the actual number of days from (and including) the applicable Accrual Date to (but excluding) the next following Distribution Payment Date multiplied by four, and rounding the resulting figure to the nearest cent (half a cent being rounded upwards).</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA will be discharged from its obligations to pay Distributions on the Preferred Securities by payment to the Principal Paying Agent (as defined in the Indenture) for the account of the holders on the relevant Distribution Payment Date or as otherwise 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%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;. Subject to any applicable fiscal or other laws and regulations, each such payment in respect of the Preferred Securities will be made in U.S. dollars (or such coin or currency of the United States of America that at the time of payment is legal tender for payment of public and private debts) by transfer to an account capable of receiving payments in such currency, as directed by the Principal Paying Agent. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If any date on which any payment is due to be made on the Preferred Securities would otherwise fall on a date which is not a Payment Business Day (as defined in the Indenture), the payment will be postponed to the next Payment Business Day and the holders shall not be entitled to any interest or other payment in respect of any such delay.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If BBVA does not pay a Distribution or part thereof in accordance with 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%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, such non-payment shall evidence the cancellation of such Distribution (or relevant part thereof), and accordingly, such Distribution shall not in any such case be due and payable. For the avoidance of doubt, if BBVA provides notice to cancel a portion, but not all, of a Distribution in respect of the Preferred Securities, and BBVA subsequently does not make a payment of the remaining portion of such Distribution on the relevant Distribution Payment Date, such non-payment shall evidence BBVA&#8217;s exercise of its discretion to cancel also such portion of such Distribution, and accordingly such portion of the Distribution shall also not be due and payable.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Calculation Agent will at or as soon as practicable after the relevant time on each Reset Determination Date at which the Distribution Rate is to be determined, determine the Distribution Rate for the relevant Reset Period. The Calculation Agent will cause the Distribution Rate for each Reset Period to be notified to BBVA and the stock exchange on which the Preferred Securities are listed and notice thereof to be published in accordance with the notice provisions of the Indenture as soon as possible after its determination but in no event later than the fourth Business Day after each Reset Determination Date.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The regular record date for the Distribution payable on any Distribution Payment Date on the Preferred Securities is the 15th calendar day (whether or not a Business Day) preceding a Distribution Payment Date.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Distributions Discretionary</font></div><div style="text-indent:9pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may elect, in its sole and absolute discretion, to cancel the payment of any Distribution on the Preferred Securities in whole or in part at any time and for any or no reason.</font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Distributions on the Preferred Securities are non-cumulative. Accordingly, if any Distribution (or any part thereof) is not paid in respect of the Preferred Securities as a result of its election to cancel such Distribution in accordance with this section &#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%">Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; or the limitations on payment set out 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;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; below then the right of the holders to receive the relevant Distribution (or such part thereof) in respect of the relevant Distribution Period (as defined in the Indenture) will be extinguished and BBVA will have no obligation to pay such Distribution (or such part thereof) accrued for such Distribution Period or to pay any interest thereon, whether or not Distributions on the Preferred Securities are paid in respect of any future Distribution Period.</font></div><div style="text-indent:18pt"><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%">88</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No such election to cancel the payment of any Distribution (or any part thereof) pursuant to this section &#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%">Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; or non-payment of any Distribution (or any part thereof) as a result of the limitations on payment set out 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;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; below will constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture or the occurrence of any event related to BBVA&#8217;s insolvency or entitle holders to take any action to cause such Distribution (or part thereof) to be paid or the liquidation, dissolution or winding-up of BBVA or in any way limit or restrict BBVA from making any distribution or equivalent payment in connection with any instrument ranking junior to the Preferred Securities (including, without limitation, any CET1 Capital of BBVA or any member of the BBVA Group) or in respect of any Parity Security (as defined in the Indenture) or other security, except to the extent Applicable Banking Regulations otherwise provide.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="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%">Restrictions on Payments</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Payments of Distributions on the Preferred Securities shall be made only out of Distributable Items of BBVA.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">To the extent that (i) BBVA has insufficient Distributable Items to make Distributions on the Preferred Securities scheduled for payment in the then-current financial year and any interest payments or distributions that have been paid or made or are scheduled or required to be paid or made out of Distributable Items of BBVA in the then-current financial year, in each case excluding any portion of such payments already accounted for in determining the Distributable Items of BBVA, and&#47;or (ii) the Regulator (as defined in the Indenture), in accordance with Article 68 of Law 10&#47;2014 and&#47;or Article 16 of the SSM Regulation and&#47;or with Applicable Banking Regulations then in force, requires BBVA to cancel the relevant Distribution in whole or in part, then BBVA will, without prejudice to the right 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%">&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; above to cancel at its discretion the payment of any such Distributions on the Preferred Securities at any time, make partial or, as the case may be, no payment of the relevant Distribution on the Preferred Securities.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">No payments will be made on the Preferred Securities (whether by way of a repayment of the Liquidation Preference, the payment of any Distribution or otherwise) if and to the extent that such payment would cause a breach of any regulatory restriction or prohibition on payments on Additional Tier 1 Instruments pursuant to Applicable Banking Regulations (including, without limitation, any such restriction or prohibition relating to any Maximum Distributable Amount or MREL-MDA (each as defined in the Indenture) applicable to BBVA and&#47;or the BBVA Group).</font></div><div style="text-indent:18pt"><font><br></font></div><div style="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%">Agreement to Distribution Cancellation </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">By acquiring Preferred Securities, holders (which, for the purposes of this section includes holders of a beneficial interest in the Preferred Securities) acknowledge and agree that&#58; </font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:24.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a)    Distributions are payable solely at BBVA&#8217;s discretion, and no amount of Distribution shall become or remain due and payable in respect of the relevant Distribution Period to the extent that it has been cancelled or deemed cancelled by BBVA as 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%">&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; above and&#47;or as a result of the limitations on payment 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%">&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; above&#59; and</font></div><div style="text-indent:24.45pt"><font><br></font></div><div style="text-indent:24.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(b) a cancellation or deemed cancellation of any Distribution (in whole or in part) in accordance with the terms of the Preferred Securities or the Indenture shall not constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture, or the occurrence of any event related to the insolvency of BBVA or entitle holders to take any action to cause such Distribution to be paid or the liquidation, dissolution or winding-up of BBVA or in any way limit or restrict BBVA from making any distribution or equivalent payment in connection with any instrument, including any instrument ranking junior to the contingent convertible preferred securities of such series (including, without limitation, any CET1 Capital of BBVA or any member of the BBVA Group), or in respect of any Parity Security or other Security, except to the extent Applicable Banking Regulations otherwise provide. </font></div><div style="text-indent:24.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> </font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Distributions will only be due and payable on a Distribution Payment Date to the extent they are not cancelled or deemed cancelled previously or thereafter in accordance with the provisions described herein and in the Indenture. Any Distributions cancelled or deemed cancelled (in each case, in whole or in part) in the circumstances described herein shall not be due and shall not accumulate or be payable at any time thereafter, and holders of the contingent convertible preferred securities shall have no rights thereto or to receive any additional Distributions or compensation as a result of such cancellation or deemed cancellation.</font></div><div style="text-indent:18pt"><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%">89</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Liquidation Distribution</font></div><div><font><br></font></div><div style="text-indent:18pt"><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 following paragraph, in the event of any voluntary or involuntary liquidation or winding-up of BBVA (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Liquidation Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), holders of the Preferred Securities (unless previously converted into Common Shares in accordance with the Indenture) shall be entitled to receive out of the assets of BBVA available for distribution to holders of such Preferred Securities, the Liquidation Distribution. Such entitlement will arise before any distribution of assets is made to holders of Common Shares or any other instrument of BBVA ranking junior to the Preferred Securities.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If, upon the occurrence of a Liquidation Event, a Conversion Event has occurred or occurs but the relevant conversion of the Preferred Securities into Common Shares in accordance with the Indenture is still to take place at such time, holders of the Preferred Securities will be entitled to receive (i) out of the relevant assets of BBVA a monetary amount equal to that which holders of such Preferred Securities would have received on any distribution of the assets of BBVA if such Conversion had taken place immediately prior to such Liquidation Event or (ii) such amounts as may be otherwise provided in accordance with applicable law at such time.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">After payment of the relevant entitlement in respect of a Preferred Security as described in this section, such Preferred Security will confer no further right or claim to any of the remaining assets of BBVA.</font></div><div style="text-indent:18pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Additional Issuances </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Preferred Securities were initially limited in aggregate Liquidation Preference to $1,000,000,000. BBVA may from time to time, without the consent of the holders, issue Additional Preferred Securities having the same ranking and same Distribution Rate, redemption terms and other terms as the Preferred Securities except for the price to the public, initial Accrual Date, Closing Date and first Distribution Payment Date. Any such Additional Preferred Securities subsequently issued shall rank equally and ratably with the Preferred Securities in all respects, so that such Additional Preferred Securities shall be consolidated and form a single series with the Preferred Securities under the Indenture.</font></div><div style="text-indent:36pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Subordination</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Unless previously converted into Common Shares (as set forth in the Indenture and except as provided in the second paragraph 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;Liquidation Distribution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), the payment obligations of BBVA under the Preferred Securities are direct, unconditional, unsecured and subordinated 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 only to the extent permitted by the Spanish Insolvency Law and any other applicable laws relating to or affecting the enforcement of creditors&#8217; rights in Spain (including, without limitation, Additional Provision 14.3 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), for so long as the Preferred Securities constitute an Additional Tier 1 Instrument of BBVA, such Preferred Securities will rank&#58;</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a) junior to&#58;</font></div><div><font><br></font></div><div style="padding-left:58.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(i)  any claim in respect of any unsubordinated obligations of BBVA (including where the relevant claim subsequently becomes subordinated pursuant to Article 281.1.1&#186; of the Spanish Insolvency Law)&#59; and</font></div><div><font><br></font></div><div style="padding-left:58.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(ii) any claim in respect of any subordinated obligations of BBVA, present and future, other than under any outstanding Additional Tier 1 Instrument of BBVA (other than, to the extent permitted by law, any Parity Securities, whether so ranking by law or their terms)&#59;</font></div><div><font><br></font></div><div style="padding-left: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-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 each other and with all other claims in respect of contractually subordinated obligations of BBVA under any outstanding Additional Tier 1 Instruments, present and future (and, to the extent permitted by law, </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 any other Parity Securities, whether so ranking by law or their terms)&#59; and</font></div><div><font><br></font></div><div style="padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(c) senior to the Common Shares and any other subordinated obligations of BBVA which by law rank junior to the Preferred Securities (including, to the extent permitted by law, any contractually subordinated obligations of BBVA expressed by their terms to rank junior to the Preferred Securities),</font></div><div style="padding-left:18pt"><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%">90</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">such that any relevant claim in respect of the Preferred Securities will be satisfied, as appropriate, only to the extent that all claims ranking senior to it have first been satisfied in full, and then </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">pro rata</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> 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 herein.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA&#8217;s obligations under the Preferred Securities are subject to, and may be limited by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">According to current law, unless previously converted into Common Shares, to the extent the Preferred Securities cease to constitute an Additional Tier 1 Instrument of BBVA and constitute a Tier 2 Instrument (as defined in the Indenture) of BBVA instead, the payment obligations of BBVA under the Preferred Securities will rank in accordance with Section 3.(2&#186;) of Additional Provision 14 of Law 11&#47;2015 but not otherwise and subject to any other ranking that may apply as a result of any mandatory provision of law (or otherwise), as if the Preferred Securities were a Tier 2 Instrument.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">According to current law, to the extent the Preferred Securities cease to constitute either an Additional Tier 1 Instrument or a Tier 2 Instrument of BBVA, the payment obligations of BBVA under such Preferred Securities will rank, in accordance with Section 3.(1&#186;) of Additional Provision 14 of Law 11&#47;2015 but not otherwise and subject to any other ranking that may apply as a result of any mandatory provision of law (or otherwise), as if the Preferred Securities were contractually subordinated obligations of BBVA not constituting Additional Tier 1 Capital or Tier 2 Capital of BBVA.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA agrees with respect to any Preferred Securities and each holder and beneficial owner of Preferred Securities, by his or her acquisition of a Preferred Security, will be deemed to have agreed to the above described subordination. To the extent permitted by Spanish law, each such holder and beneficial owner will be deemed to have irrevocably waived his or her rights of priority which would otherwise be accorded to him or her under the laws of Spain, to the extent necessary to effectuate the subordination provisions of the Preferred Security. In addition, each holder and beneficial owner of Preferred Securities by his or her acquisition of the securities, 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 subordination of the Preferred Securities 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.</font></div><div style="text-indent:18pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Redemption of the Preferred Securities</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to the provisions described 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%">Redemption Due to a Tax Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, &#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;Redemption Due to a Capital Event</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%">Clean-up Call</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; below, the Preferred Securities will not be redeemable prior to March 19, 2029 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">First Call Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). Any redemption is subject to the conditions and procedures described in the Indenture.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Optional Redemption</font></div><div style="text-indent:9pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">All, and not only some, of the Preferred Securities may be redeemed at the option of BBVA on any day falling in the period commencing on (and including) the First Call Date and ending on (and including) the First Reset Date, and on any Distribution Payment Date thereafter, at the Redemption Price, subject to the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations, and otherwise in accordance with Articles 77 and 78 of CRR and&#47;or any other Applicable Banking Regulations then in force.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Redemption Due to a Tax Event</font></div><div style="text-indent:9pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If, on or after the Closing Date, there is a Tax Event (as defined in the Indenture), the Preferred Securities may be redeemed, in whole but not in part, at BBVA&#8217;s option at any time at the Redemption Price, subject to the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations, and otherwise in accordance with Articles 77 and 78 of CRR and&#47;or any other Applicable Banking Regulations then in force. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Redemption Due to a Capital Event</font></div><div style="text-indent:9pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If, on or after the Closing Date, there is a Capital Event (as defined in the Indenture), the Preferred Securities may be redeemed, in whole but not in part, at BBVA&#8217;s option at any time at the Redemption Price, subject to the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations, and otherwise in accordance with Articles 77 and 78 of CRR and&#47;or any other Applicable Banking Regulations then in force.</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%">91</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Clean-up Call</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If, on or after the Closing Date, Preferred Securities representing, in the aggregate, 75% or more of the aggregate Liquidation Preference of the Preferred Securities (including any Preferred Securities issued after the Closing Date and any Preferred Securities which have been cancelled by the trustee in accordance with the Indenture) have been purchased by or on behalf of BBVA or any member of the BBVA Group, the Preferred Securities may be redeemed, in whole but not in part, at BBVA&#8217;s option at any time at the Redemption Price, subject to the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations, and otherwise in accordance with Articles 77 and 78 of CRR and&#47;or any other Applicable Banking Regulations then in force (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Clean-up Call</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="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Clean-up Call is subject to the conditions described the Indenture. </font></div><div style="text-indent:18pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Conversion</font></div><div><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Conversion Upon Trigger Event</font></div><div style="text-indent:9pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If the Trigger Event occurs at any time on or after the Closing Date, then BBVA will&#58;</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a) not pay any Distribution on the Preferred Securities, including any accrued and unpaid Distributions, which shall be deemed to be cancelled by BBVA in accordance with the Indenture&#59; and</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(b) irrevocably and mandatorily (and without any requirement for the consent or approval of the holders or beneficial owners of Preferred Securities) convert all the Preferred Securities into Common Shares (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Trigger Conversion</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) to be delivered on the relevant Conversion Settlement Date (as defined in the Indenture). If the Trigger Event occurs, the Preferred Securities will be converted in whole and not in part.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">For the purposes of determining whether the Trigger Event has occurred, BBVA will (A) calculate the CET1 ratio based on information (whether or not published) available to management of BBVA, including information internally reported within BBVA pursuant to its procedures for ensuring effective ongoing monitoring of the capital ratios of BBVA and the BBVA Group and (B) calculate and publish the CET1 ratio on at least a quarterly basis. BBVA&#8217;s calculation shall be binding on the trustee and the holders and beneficial owners of the Preferred Securities.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">A Trigger Event will not constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture or the occurrence of any event related to the insolvency of BBVA or entitle holders to take any action to cause the liquidation, dissolution or winding-up of BBVA.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:100%">Conversion Upon Capital Reduction</font></div><div style="text-indent:9pt"><font><br></font></div><div style="text-indent:18pt"><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 Indenture, if a Capital Reduction occurs at any time on or after the Closing Date, then BBVA will, subject as provided in the immediately following paragraph, irrevocably and mandatorily (and without any requirement for the consent or approval of the holders or beneficial owners of the Preferred Securities) convert all the Preferred Securities into Common Shares (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Capital Reduction Conversion</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) to be delivered on the relevant Conversion Settlement Date and on such Conversion Settlement Date pay to the holders, as applicable, where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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;Distributions&#8212;Restrictions on Payments</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%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein, an amount equal to the accrued and unpaid Distributions for the then current Distribution Period up to (but excluding) such Conversion Settlement Date.</font></div><div style="text-indent:18pt"><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%">92</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Notwithstanding the preceding paragraph, if a Capital Reduction occurs at any time on or after the Closing Date, each holder of the Preferred Securities will have the right to elect that all (but not part) of its Preferred Securities shall not be converted in accordance with the preceding paragraph, in which case all Preferred Securities of such holder shall remain outstanding and no payment of any accrued and unpaid Distributions on such Preferred Securities shall be made in respect of such Preferred Securities to that holder on the relevant Conversion Settlement Date pursuant to the preceding paragraph (without prejudice to any payment of such Distributions or any other Distributions that may accrue in respect of those Preferred Securities). To exercise such right, a holder must complete, sign and deposit at the specified office of any Paying and Conversion Agent a duly completed and signed notice of election (an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Election Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;), in the form indicated in the Capital Reduction Notice, on or before the tenth Business Day immediately following the Capital Reduction Notice Date (the period from (and including) the Capital Reduction Notice Date to (and including) such tenth Business Day, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Election Period</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;). In the case of any Preferred Securities represented by a Global Preferred Security held by or on behalf of a Clearing System, an Election Notice may be delivered within the Election Period by the holder giving notice to any Paying and Conversion Agent of such election in accordance with the applicable procedures of the relevant Clearing System (which may include notice being given on such holder&#8217;s instruction by the relevant Clearing System to the Paying and Conversion Agent by electronic means) in a form acceptable to such Clearing System from time to time.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">An Election Notice shall be irrevocable. Each Paying and Conversion Agent shall inform the Principal Paying Agent within two Business Days of the end of such Election Period of the Election Notices received during the Election Period and the Principal Paying Agent shall notify BBVA of the details of the relevant holders that have duly submitted an Election Notice within the Election Period (including the aggregate Liquidation Preference of Preferred Securities held by such holders) by no later than the immediately following Business Day.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Any relevant Preferred Securities in respect of which a duly completed and signed Election Notice is not received during the Election Period shall be converted into Common Shares. Any Preferred Securities not converted upon a Capital Reduction as a result of holders delivering a duly completed and signed Election Notice during the Election Period shall remain outstanding and, notwithstanding any of the above, may be the subject of Conversion on the occurrence of a Trigger Event or any further Capital Reduction.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">A Capital Reduction will not constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture or the occurrence of any event related to the insolvency of BBVA or entitle holders to take any action to cause the liquidation, dissolution or winding-up of BBVA.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">At the annual general shareholders&#8217; meeting of BBVA held on March 15, 2024, BBVA shareholders voted 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, through the redemption of own shares purchased for the purpose of being redeemed, delegating to BBVA&#8217;s board of directors the implementation of the share capital reduction, totally or partially, on one or more occasions. On May 24, 2024, BBVA announced the partial execution of this share capital reduction resolution, through the reduction of BBVA&#8217;s share capital by &#8364;36,580,908.35 and the consequent redemption of 74,654,915 shares of &#8364;0.49 par value each acquired by BBVA pursuant to a share buyback program scheme and held as treasury shares. For the avoidance of doubt, a share capital reduction effected pursuant to this March 15, 2024 resolution would not constitute a Capital Reduction for purposes of the Preferred Securities. </font></div><div style="text-indent:18pt"><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%">93</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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%">Upon Conversion</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> Except as provided below with respect to fractions, the number of Common Shares to be issued on Conversion in respect of each Preferred Security to be converted shall be determined by dividing the Liquidation Preference of such Preferred Security by the relevant Conversion Price (as defined in the Indenture) in effect on the relevant Conversion Notice Date rounded down to the nearest whole number of Common Shares. Fractions of Common Shares will not be issued on Conversion or pursuant to the provisions of the Indenture and no cash payment or other adjustment will be made in lieu thereof. Without prejudice to the generality of the foregoing, if one or more Delivery Notices (as defined in the Indenture) and the related Preferred Securities are received by or on behalf of a Paying and Conversion Agent such that the Common Shares to be delivered by or on behalf of the Conversion Shares Depository (as defined in the Indenture) are to be registered in the same name or delivered to the same Clearing System participant account, the number of such Common Shares to be delivered in respect thereof shall be calculated on the basis of the aggregate Liquidation Preference of such Preferred Securities being so converted and rounded down to the nearest whole number of Common Shares.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Upon any Trigger Event, holders (and beneficial owners) of the Preferred Securities shall have no claim against BBVA in respect of (i) any Liquidation Preference of such Preferred Securities or (ii) any accrued and unpaid Distributions in respect of Preferred Securities, and the Preferred Securities shall cease to represent any right other than the right to receive Common Shares from or on behalf of the Conversion Shares Depository (except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares).</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Upon any Capital Reduction, holders (and beneficial owners) of the Preferred Securities, other than holders of Preferred Securities in respect of which such holders have elected not to convert such Preferred Securities in accordance with the provisions described 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein, shall have no claim against BBVA in respect of any Liquidation Preference of such Preferred Securities, and the Preferred Securities, other than Preferred Securities in respect of which holders have elected not to convert such Preferred Securities in accordance with the provisions described 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein, shall cease to represent any right other than the right to receive Common Shares from or on behalf of the Conversion Shares Depository (except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares). Nothing in this paragraph shall affect BBVA&#8217;s obligation upon any Capital Reduction Conversion to pay to the holders, as applicable, where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#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 Payments</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%">&#8212;Distributions&#8212;Distributions Discretionary</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%">herein, and except as set out 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein, an amount equal to the accrued and unpaid Distributions for the then current Distribution Period up to (but excluding) the Conversion Settlement Date.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">On the Conversion Settlement Date, BBVA shall deliver to the Conversion Shares Depository such number of Common Shares (subject as provided above with respect to fractions) as is required to satisfy in full BBVA&#8217;s obligation to deliver Common Shares (i) in respect of a Trigger Conversion, of the aggregate Liquidation Preference of Preferred Securities outstanding on the Trigger Event Notice Date, and (ii) in respect of a Capital Reduction Conversion, of the aggregate Liquidation Preference of Preferred Securities outstanding on the Capital Reduction Notice Date, other than Preferred Securities in respect of which such holders have elected not to convert such Preferred Securities in accordance with the provisions described 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The obligation of BBVA to issue and deliver Common Shares to a holder of Preferred Securities on the relevant Conversion Settlement Date shall be satisfied by the delivery of such Common Shares to the Conversion Shares Depository. Receipt of the relevant Common Shares by the Conversion Shares Depository shall discharge BBVA&#8217;s obligations in respect of the Preferred Securities converted, other than, in the case of a Capital Reduction, as provided 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein with respect to the payment of accrued and unpaid Distributions for the then current Distribution Period up to (but excluding) the Conversion Settlement Date (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#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 Payments</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%">&#8212;Distributions&#8212;Distributions Discretionary</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%">herein) except as provided 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares.</font></div><div><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%">94</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><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 succeeding paragraph with respect to a Capital Reduction, if a Conversion Event occurs, holders shall have recourse to BBVA only for the issue and delivery of the relevant Common Shares to the Conversion Shares Depository (except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares). After such delivery by BBVA of the relevant Common Shares to the Conversion Shares Depository, holders of any Preferred Securities so converted shall have recourse to the Conversion Shares Depository only and exclusively for the purposes of delivery to them of such Common Shares, in the circumstances provided in the Indenture.</font></div><div><font><br></font></div><div style="text-indent:18pt"><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 Capital Reduction, holders shall also have recourse to BBVA as provided 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein with respect to the payment of accrued and unpaid Distributions for the then current Distribution Period up to (but excluding) the Conversion Settlement Date (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#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 Payments</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%">&#8212;Distributions&#8212;Distributions Discretionary</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%">herein) except as provided 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein.</font></div><div><font><br></font></div><div style="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%">Agreement and Waiver with Respect to Conversion</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Preferred Securities are not convertible into Common Shares at the option of holders of Preferred Securities at any time and are not redeemable in cash as a result of a Conversion Event. Notwithstanding any other provision of the Indenture or herein, by its acquisition of the Preferred Securities, each holder and beneficial owner shall be deemed to have (i) agreed to all the terms and conditions of the Preferred Securities, including, without limitation, those related to (x) Conversion following a Trigger Event or Capital Reduction, as the case may be, and (y) the appointment of the Conversion Shares Depository, the issuance of the Common Shares to the Conversion Shares Depository, and acknowledged that such events in (x) and (y) may occur without any further action on the part of the holders or beneficial owners of the Preferred Securities or the trustee, (ii) agreed that effective upon, and following, a Conversion Event, no amount shall be due and payable to the holders of the Preferred Securities (other than any accrued and unpaid Distributions to be paid upon a Capital Reduction Conversion in accordance with the provisions 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#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 Payments</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%">&#8212;Distributions&#8212;Distributions Discretionary</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%">herein and except as provided 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein) and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares), and BBVA&#8217;s liability to pay any amounts (including the Liquidation Preference of, or any Distribution in respect of the Preferred Securities (other than any accrued and unpaid Distributions to be paid upon a Capital Reduction Conversion in accordance with the provisions set forth under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">&#8220;&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#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 Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">&#8220;&#8212;Distributions&#8212;Distributions Discretionary&#8221; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">herein and except as provided 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%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein) and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares)), shall be automatically released, and the holders of the Preferred Securities so converted shall not have the right to give a direction to the trustee with respect to the Conversion Event and any related Conversion, (iii) agreed that following a Conversion Event, the Relevant Spanish Resolution Authority may exercise its Spanish Bail-in Power with respect to the Preferred Securities or any Common Shares that may be received following a Conversion, which exercise may result in any of the consequences described in the first paragraph 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;Agreement and Acknowledgment 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;, the cancellation of the Conversion and&#47;or the implementation of material changes to the Conversion terms, (iv) waived, to the extent permitted by the Trust Indenture Act, any claim against the trustee arising out of its acceptance of its trusteeship under, and the performance of its duties, powers and rights in respect of, the Indenture and in connection with the Preferred Securities so converted or to be converted, including, without limitation, claims related to or arising out of or in connection with a Conversion Event and&#47;or any Conversion and (v) authorized, directed and requested DTC, the European Clearing Systems and any direct participant in DTC, the European Clearing Systems or other intermediary or depositary through which it holds such Preferred Securities to be converted to take any and all necessary action, if required, to implement the Conversion without any further action or direction on the part of such holder or beneficial owner of such Preferred Securities or the trustee.</font></div><div><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%">95</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="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%">Delivery of ADSs</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">In respect of any Common Shares that holders elect to receive in the form of ADSs as specified in the Delivery Notice, the Conversion Shares Depository shall deposit with the custodian for the ADS Depositary the relevant number of Common Shares to be issued upon Conversion of the Preferred Securities, and the ADS Depositary shall issue the corresponding number of ADSs to the DTC Participant account or registered ADS facility account specified by such holders (per the ADS-to-Common Share ratio in effect on the Conversion Settlement Date). However, the issuance of the ADSs by the ADS Depositary may be delayed until the depositary bank or the custodian receives confirmation that all required approvals have been given and that the Common Shares have been duly transferred to the custodian and that all applicable depositary fees and payments have been paid to the ADS Depositary. Holders that elect to receive Common Shares in the form of ADSs must pay any fees that may be payable to the ADS Depositary as a result of the issue and delivery of such ADSs in accordance with the Delivery Notice. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="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%">Failure to Deliver a Delivery Notice</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If a duly completed Delivery Notice and the relevant Preferred Securities are not received by the Paying and Conversion Agent as provided in the Indenture and the Conversion Notice (as defined in the Indenture) on or before the Notice Cut-off Date, then within ten Business Days following the Conversion Settlement Date, all Common Shares held by the Conversion Shares Depository in respect of which the applicable Preferred Securities and a duly completed Delivery Notice have not been received on or before the Notice Cut-off Date as aforesaid will be sold by or on behalf of a person (which may be BBVA or another member of the BBVA Group or a third party) appointed by BBVA in its sole and absolute discretion (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Selling Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;) as soon as reasonably practicable.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Subject to the deduction by or on behalf of the Selling Agent of any amount payable in respect of its liability to taxation and the payment of any capital, stamp, issue, registration and&#47;or transfer taxes and duties (if any) and any fees or costs incurred by or on behalf of the Selling Agent in connection with the issue, allotment and sale of any Common Shares pursuant to the preceding paragraph, and the conversion of any proceeds of such sale into U.S. dollars, the net proceeds of such sale, converted into U.S. dollars at the Prevailing Rate on the Notice Cut-off Date, if necessary, shall as soon as reasonably practicable be distributed pro rata to the relevant holders in such manner and at such time as BBVA shall determine and notify to the relevant holders. Such payment shall for all purposes discharge the obligations of BBVA, the Conversion Shares Depository, the Paying and Conversion Agent and the Selling Agent to such holders in respect of the relevant Conversion. The Selling Agent will be deemed to be acting on behalf of holders whose Preferred Securities and a duly completed Delivery Notice were not received on or before the Notice Cut-off Date for the purposes set out above and to that effect holders and beneficial owners of the Preferred Securities by virtue of their acquisition of the Preferred Securities will be deemed to be accepting and giving express instructions to the Selling Agent to do so in accordance with these conditions.</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%">BBVA, the Conversion Shares Depository, the Paying and Conversion Agent and the Selling Agent shall have no liability in respect of the exercise or non-exercise of any discretion or power pursuant to this section &#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%">Failure to Deliver a Delivery Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; or in respect of any sale of any Common Shares, whether for the timing of any such sale or the price at or manner in which any such Common Shares are sold or the inability to sell any such Common Shares. Furthermore, BBVA, the Conversion Shares Depository, the Paying and Conversion Agent and the Selling Agent shall have no liability to any holder or beneficial owner of the Preferred Securities for any loss resulting from such holder&#8217;s or beneficial owner&#8217;s failure to receive any Common Shares or ADSs, or from any delay in the receipt thereof, in each case as a result of such holder or beneficial owner (or custodian, nominee, broker or other representative thereof) failing to duly submit a Delivery Notice and the relevant Preferred Securities on a timely basis or at all.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If the applicable Preferred Securities and Delivery Notice are not received by the Paying and Conversion Agent on or before the Notice Cut-off Date and BBVA does not appoint the Selling Agent by the tenth Business Day after the Conversion Settlement Date, or if any Common Shares are not sold by the Selling Agent in accordance with this section </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">&#8220;&#8212;Failure to Deliver a Delivery Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, the Conversion Shares Depository shall continue to hold any Common Shares not sold by the Selling Agent until a duly completed Delivery Notice and the relevant Preferred Securities are so delivered. However, any holder of such Preferred Securities delivering a Delivery Notice after the Notice Cut-off Date will have to provide evidence of its entitlement to the relevant Common Shares, or if the holder so elects, ADSs, satisfactory to the Conversion Shares Depository in its sole and absolute discretion in order to receive delivery of such Common Shares or ADSs (if so elected to be deposited with the ADS Depositary on its behalf).</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%">96</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Substitution and Modification of the Preferred Securities</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 Preferred Securities or the Indenture, by its acquisition of the Preferred Securities, each holder and beneficial owner acknowledges, accepts, consents to and agrees that if a Capital Event or a Tax Event, as applicable, occurs and is continuing, BBVA may, except if a Trigger Event occurs or shall have occurred, and except if a Capital Reduction occurs or shall have occurred (other than in respect of Preferred Securities with respect to which a duly completed Election Notice has been received during the Election Period), substitute all (but not less than all) of the Preferred Securities or modify the terms of all (but not less than all) of the Preferred Securities, without any requirement for the consent or approval of the trustee or the holders or beneficial owners of the Preferred Securities, so that such Preferred Securities are substituted for, or their terms are modified to, become again, or remain Qualifying Preferred Securities (as defined in the Indenture), subject to (i) having given not less than 5 nor more than 30 days&#8217; notice to the holders of Preferred Securities 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), (ii) the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations, and (iii) any variation in the terms of the Preferred Securities resulting from such modification or, if the Preferred Securities are substituted, any difference between the terms of the Preferred Securities and those of the Qualifying Preferred Securities for which the Preferred Securities are substituted, not being materially prejudicial to the interests of the holders of the Preferred Securities.</font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> </font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">For the purposes of the immediately preceding paragraph, in the case of a modification of the terms and conditions of the Preferred Securities, any variation in the ranking of the Preferred Securities as set out 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%">Subordination</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein resulting from any such modification or, in the case of a substitution of the Preferred Securities, any difference between the ranking of the Preferred Securities as set out 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%">Subordination</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein and that of the Qualifying Preferred Securities for which the Preferred Securities are substituted, shall be deemed not to be prejudicial to the interests of the holders of Preferred Securities where the ranking of the Preferred Securities or, if the Preferred Securities are substituted, of the Qualifying Preferred Securities for which the Preferred Securities are substituted, following such substitution or modification, as the case may be, is at least the same ranking as was applicable to the Preferred Securities 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%">Subordination</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein on the issue date of the Preferred Securities.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">For the purposes of the preceding two paragraphs, the notice to be delivered by BBVA shall specify the relevant details of the manner in which the relevant substitution or modification shall take effect and where the holders of Preferred Securities can inspect or obtain copies of the new terms and conditions of the Preferred Securities or, if the Preferred Securities are substituted, of the Qualifying Preferred Securities for which the Preferred Securities are substituted. Such substitution or modification will be effected without any cost or charge to such holders.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">If the Preferred Securities are substituted in accordance with this section &#8220;&#8213;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221;, Distributions on the Preferred Securities shall cease to accrue from (and including) the date of substitution thereof.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="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">By its acquisition of any Preferred Security, each holder and beneficial owner acknowledges, accepts, consents to and agrees to be bound by any substitution of or modification to the Preferred Securities as set forth in this section &#8220;&#8213;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; 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 or modification of the terms of the Preferred Securities, as applicable, pursuant to this section &#8220;&#8213;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">Substitution and Modification of the Preferred Securities</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><font><br></font></div><div style="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">Each holder and beneficial owner of the Preferred Securities, by virtue of its acquisition of the Preferred Securities or any beneficial interest therein, 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 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 or modification of the terms of the Preferred Securities upon the occurrence of a Capital Event or a Tax Event.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Modification and Waiver</font></div><div><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%">97</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Without prejudice to &#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;Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; above, BBVA and the trustee may make certain modifications and amendments to the Indenture and any applicable supplemental indenture with respect to the Preferred Securities without the consent of the holders of the Preferred Securities for any of the following purposes&#58;</font></div><div style="text-indent:18pt"><font><br></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">to 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 the Preferred Securities&#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">to add to the covenants of BBVA for the benefit of the holders of Preferred Securities or to surrender any right or power conferred upon BBVA by 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">to add any additional Enforcement Events&#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">to make changes to procedures relating to Conversion, delivery of the Common Shares, or ADSs, as applicable, provided, however, that, unless such changes are made as a result of any change in, or amendment to, any relevant laws or regulations, no such change shall adversely affect the interests of the holders of Preferred Securities 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">to add to, change or eliminate any of the provisions of the Indenture, or any supplemental indenture, provided, however, that any such addition, change or elimination shall become effective only when there is no outstanding Preferred Securities created prior to the execution of such supplemental indenture effecting such addition, change or elimination which would be adversely affected by such addition, change or elimination and in respect of which such supplemental indenture would apply&#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">to establish the form or terms of Preferred Securities as permitted by 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">to change any place of payment, so long as any required place of payment is maintained&#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">to cure any ambiguity or to correct or supplement any provision of the Indenture which may be defective or inconsistent with any other provision of the Indenture or in any supplemental 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">to vary, substitute or change specified terms of the Preferred Securities subject to the conditions set forth in the Indenture, provided such action shall not adversely affect the interests of the holders of Preferred Securities 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">to evidence and provide for the acceptance of appointment under the Indenture by a successor trustee with respect to the Preferred Securities and to add to or change any of the provisions of the Indenture as shall be necessary to provide for or facilitate the administration of the trusts under the Indenture by more than one trustee, pursuant to the requirements of 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">to change or eliminate any provision of the Indenture so as to conform with the current provisions or any future provisions of the Trust Indenture Act&#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">to name a different trustee for the Preferred Securities and to provide for the appropriate changes related to such appointment for the Preferred Securities&#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">to delete, amend or supplement any provision contained in the Indenture or in any supplemental indenture as a result of, and to the extent required by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority&#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">to delete, amend or supplement any provision contained in the Indenture or in any supplemental indenture as a result of, and to the extent required by, 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">with respect to any Preferred Security (including a Global Preferred Security) issued on or after the date hereof, to amend any such Preferred Security to conform to the description of the terms of the Preferred Securities in the prospectus, the prospectus supplement, product supplement, pricing supplement or any other similar offering document related to the offering of the Preferred Securities&#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%">98</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;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">to delete, amend or supplement any provision contained in the Indenture or in any supplemental indenture as a result of, and to the extent necessary to effect, the substitution or modification of the Preferred Securities pursuant to &#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%">&#8213;Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein&#59; or</font></div><div style="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">to change or modify any provision of the Indenture as necessary to ensure that the Preferred Securities shall be convertible into ordinary shares of Newco in the event of a Newco Scheme (each as defined in the Indenture).</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Other modifications and amendments may be made to the Indenture and any applicable supplemental indenture with the consent of the holders of not less than a majority in aggregate Liquidation Preference of the outstanding Preferred Securities, voting as one class. However, no modifications or amendments may be made without the consent of the holder of the Preferred Securities affected that would&#58;</font></div><div style="text-indent:18pt"><font><br></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 terms of the Preferred Securities to reduce the Liquidation Preference payable upon the redemption of, or the Distributions payable on the Preferred Securities, or change the obligation of BBVA (or its successor) to pay Additional Amounts (except as contemplated 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%">Substitution of Issuer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein) on the Preferred Securities, or the currency in which payments under the Preferred Securities are to be made, or impair the right to institute suit for the enforcement of any such payment when due and payable on or with respect to the Preferred Securities, or modify the calculation of and any adjustment to, the Conversion Price&#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 aggregate Liquidation Preference of the Preferred Securities, the consent of whose holders is required for any such supplemental indenture, or the consent of whose holders is required for any waiver (of compliance with certain provisions of the Indenture or of certain defaults thereunder and their consequences) provided for in the Indenture or reduce the requirements 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">change in any manner adverse to the interests of the holders of the Preferred Securities the subordination provisions of the Preferred Securities or the terms and conditions of the obligations of BBVA in respect of the due and punctual payment of any amounts due and payable on the Preferred 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">modify the requirements applicable to the modifications and amendments referred to above or to the waiver of past Enforcement Events, except to increase any required percentage or to provide that certain other provisions of the Indenture cannot be modified or waived without the consent of the holder of each Preferred Security affected thereby,</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:100%">except in each case with respect to any modification or amendment of the Indenture pursuant to a supplemental indenture which is entered into as a result of, and to the extent required by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority, Applicable Banking Regulations or the substitution or modification of the Preferred Securities pursuant to &#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%">&#8213;Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; herein, as the case may be (in which cases neither the consent nor the affirmative vote of any holder of an outstanding Preferred Security affected shall be required).</font></div><div style="text-indent:18pt"><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%">99</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Substitution of Issuer</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA may, without the consent of holders of the Preferred Securities, consolidate or amalgamate with or merge into any other person or persons (whether or not affiliated with BBVA) or sell, convey or transfer or lease its properties and assets as an entirety or substantially as an entirety to any person (whether or not affiliated with BBVA), provided that (a) any person formed by any consolidation, amalgamation or merger, or any transferee or lessee of BBVA&#8217;s assets shall expressly assume, by a supplemental indenture, executed and delivered to the trustee, in form satisfactory to the trustee, all obligations of BBVA under the Indenture&#59; (b) immediately after giving effect to such consolidation, amalgamation, merger, conveyance, transfer or lease, no Enforcement Event and no event which, after notice or lapse of time or both, would become an Enforcement Event, shall have occurred and be continuing&#59; (c) BBVA shall have delivered to the trustee an officer&#8217;s certificate and an opinion of counsel, each stating that such consolidation, amalgamation, merger, conveyance, transfer or lease and such supplemental indenture comply with this section and that all conditions precedent herein provided for relating to such transaction have been complied with&#59; and (d) except where the successor entity is a holding company of BBVA or a wholly-owned subsidiary of BBVA, immediately prior to such assumption, the successor entity shall have 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 entity) assigned by Standard &#38; Poor&#8217;s Ratings Services or Moody&#8217;s Investors Service, Inc. (or their respective successors).</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 of BBVA or any wholly-owned subsidiary of BBVA may without the consent of the holders of the Preferred Securities, assume the obligations of BBVA (or of any person which shall have previously assumed the obligations of BBVA) under the Preferred Securities, provided that (a) the successor entity shall expressly assume such obligations by an amendment to the Indenture in form satisfactory to the trustee&#59; (b) immediately after giving effect to such assumption of obligations, no Enforcement Event and no event which, after notice or lapse of time or both, would become an Enforcement Event, shall have occurred and be continuing&#59; and (c) BBVA shall have delivered to the trustee an officer&#8217;s certificate and an opinion of counsel in such forms as are required in the Indenture.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Following any of the events described in the preceding two paragraphs, the successor entity shall succeed to, and be substituted for, and may exercise every right and power of, BBVA under the Indenture with respect to any Preferred Securities with the same effect as if such successor entity had been named as BBVA in the Indenture, and BBVA will be released from all its obligations under the Preferred Securities and Indenture and any relevant supplemental indentures. In addition, Additional Amounts under the Preferred Securities will be payable in respect of taxes imposed by the jurisdiction of incorporation or tax residence of the successor entity (subject to exceptions equivalent to those that apply to the obligation to pay Additional Amounts for taxes imposed in Spain) rather than taxes imposed by Spain. Additional Amounts with respect to payments of Distributions due prior to the date of such assumption will be payable only in respect of taxes imposed by Spain. In addition, the successor entity will also be entitled to redeem the Preferred Securities in the circumstances described 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%">&#8213;Redemption of the Preferred Securities&#8212;Redemption Due to a Tax Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; above, and to substitute or modify the terms of the Preferred Securities in the circumstances described in, and in accordance with, &#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%">&#8213;Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">&#8221; above, except that if such successor entity is not incorporated or tax resident in Spain (a) references to Spain in the definition of &#8220;Tax Event&#8221; shall be deemed to refer to the successor entity&#8217;s jurisdiction of incorporation or tax residence, and (b) the change in, or amendment to, the laws or regulations of such jurisdiction of incorporation or tax residence or of any political subdivision thereof or any authority or agency therein or thereof having power to tax, or the change in the application or binding official interpretation or administration of any such laws or regulations giving rise to a Tax Event shall become effective subsequent to the date of the relevant merger, consolidation, amalgamation, conveyance, transfer, lease or assumption, as the case may be.</font></div><div style="text-indent:18pt"><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%">100</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Additional Amounts</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">All payments of Distributions payable in respect of Preferred Securities by BBVA will be made free and clear of and without withholding or deduction for or on account of any present or future taxes, duties, assessments or governmental charges (collectively &#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;) of whatever nature imposed or levied by or on behalf of Spain or any political subdivision thereof or any authority or agency therein or thereof having power to tax, unless the withholding or deduction of such taxes, duties, assessments or governmental charges is required by law. In that event, BBVA shall (to the extent such payment can be made out of Distributable Items of BBVA on the same basis as for payment of any Distribution) pay, in respect of any withholding or deduction imposed on payments of Distributions only (and not Liquidation Preference or other amount), 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 will result in holders of Preferred Securities receiving such amounts as they would have received in respect of such Distributions had no such withholding or deduction been required. Notwithstanding the foregoing, the Indenture specifies certain situations for which no such Additional Amounts are payable with respect to any Preferred Security. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Except where the context requires otherwise, any reference in this summary to Distributions in respect of the Preferred Securities shall be deemed to include any Additional Amounts payable with respect thereto.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The payment of any Additional Amounts in respect of the Preferred Securities pursuant to the Indenture is also subject to the same conditions and limitations as the payment of any Distribution, including the conditions and limitations described 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;Distributions&#8212;Distributions Discretionary</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="text-indent:18pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Undertakings</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">So long as any Preferred Security remains outstanding, BBVA shall, unless approved by a majority in aggregate Liquidation Preference of the Preferred Securities&#58;</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(a) not make any issue, grant or distribution or take or omit to take any other action if the effect thereof would be that, on Conversion, Common Shares could not, under any applicable law then in effect, be legally issued as fully paid&#59;</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(b) if any offer is to be made to all (or as nearly as may be practicable all) Shareholders (or all (or as nearly as may be practicable all) such Shareholders other than the offeror and&#47;or any associates of the offeror) to acquire all or a majority of the issued Common Shares, or if a scheme is proposed with regard to such acquisition (other than a Newco Scheme), give notice of such offer or scheme to the holders at the same time as any notice thereof is sent to the Shareholders (or as soon as practicable thereafter) that details concerning such offer or scheme may be obtained from the specified offices of the Paying and Conversion Agent or, if BBVA is designated as the Paying and Conversion Agent, from the specified offices or the website of BBVA and, where such an offer or scheme has been recommended by the board of directors of BBVA, or where such an offer has become or been declared unconditional in all respects or such scheme has become effective, use all commercially reasonable endeavors to procure that a like offer or scheme is extended to the holders of any Common Shares issued during the period of the offer or scheme arising out of any Conversion and&#47;or to the holders&#59;</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(c) in the event of a Newco Scheme, take (or shall procure that there is taken) all necessary action to ensure that such amendments are made to the Indenture immediately after completion of the Scheme of Arrangement as are necessary to ensure that the Preferred Securities may be converted into or exchanged for ordinary shares in Newco (or depositary or other receipts or certificates representing ordinary shares of Newco) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:100%">mutatis mutandis</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%"> in accordance with and subject to the Indenture and the ordinary shares of Newco are&#58;</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">      (i)         admitted to the Relevant Stock Exchange&#59; or</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">      (ii)        listed and&#47;or admitted to trading on another Recognized Stock Exchange,</font></div><div style="text-indent:18pt"><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%">and the holders of the Preferred Securities (which, for this purpose, includes holders of a beneficial interest in the Preferred Securities) irrevocably authorize BBVA to make such amendments to the Indenture without the need for any further authorization from the holders of the Preferred Securities&#59;</font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(d) issue, allot and deliver Common Shares upon Conversion subject to and as provided in the Indenture&#59;</font></div><div style="text-indent:18pt"><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%">101</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(e) use all reasonable endeavors to ensure that its issued and outstanding Common Shares and any Common Shares issued upon Conversion will be admitted to listing and trading on the Relevant Stock Exchange or will be listed and&#47;or admitted to trading on another Recognized Stock Exchange&#59;</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(f) at all times keep in force the relevant resolutions needed for issue, free from pre-emptive rights, sufficient authorized but unissued Common Shares to enable Conversion of the Preferred Securities, and all rights of subscription and exchange for Common Shares, to be satisfied in full&#59; and</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">(g) where the provisions of the Indenture require or provide for a determination by an Independent Financial Adviser or a role to be performed by a Conversion Shares Depository or a Paying and Conversion Agent, use all reasonable endeavors promptly to appoint such persons for such purposes.</font></div><div><font><br></font></div><div><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><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Preferred Securities and the Indenture (except as set forth therein) 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, the authorization, issuance and execution by BBVA of the Preferred Securities and provisions thereof relating to the subordination of the Preferred Securities,  the waiver of the right of set-off and the agreements and acknowledgments by holders of Preferred Securities and the trustee, respectively, 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="text-indent:18pt"><font><br></font></div><div><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><font><br></font></div><div style="text-indent:18pt"><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 immediately succeeding paragraph, BBVA will submit (for the purposes of any suit or proceeding arising out of or relating to the Preferred Securities or the Indenture) to the jurisdiction of any U.S. Federal or State court in the Borough of Manhattan, The City of New York, New York, in which any such suit or proceeding is so instituted, and will waive, to the extent it may effectively do so, any objection it may have now or hereafter to the laying of the venue of any such suit or proceeding. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 Preferred Securities or in the Indenture, the Spanish courts shall have exclusive jurisdiction in respect of any suit or proceeding arising out of or relating to the Preferred Securities or the Indenture 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 Preferred Security and each agent will submit, 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 Preferred Securities and each agent will further irrevocably waive, 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="text-indent:18pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Agreement and Acknowledgment with Respect to the Exercise of the Spanish Bail-in Power</font></div><div><font><br></font></div><div style="text-indent:18pt"><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 Preferred Securities, the Indenture or any other agreements, arrangements, or understandings between BBVA and any holder of the Preferred Securities, by its acquisition of any Preferred Securities, each holder (which, for the purposes of this section, includes each holder of a beneficial interest in the Preferred Securities) 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 Preferred Securities, 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 the Preferred Securities&#59; (b) the conversion of all, or a portion, of the Amounts Due on the Preferred Securities 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 the Preferred Securities&#59; (c) the cancellation of the Preferred Securities&#59; (d) the inclusion of a maturity date for the Preferred Securities or the amendment or alteration thereof, or the amendment of the Liquidation Preference or Distributions payable on the Preferred Securities, or the date on which Distributions become payable, including by suspending payment for a temporary period&#59; and (ii) the variation of the terms of the Preferred Securities, 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%">102</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 Preferred Securities, each holder thereof acknowledges and agrees that neither a reduction or cancellation, in part or in full, of the Amounts Due on the Preferred Securities, 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 Preferred Securities, 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 Enforcement Event with respect to the Preferred Securities or under the Indenture. By its acquisition of any Preferred Securities, each holder of Preferred Securities further acknowledges and agrees that no repayment or payment of Amounts Due on the Preferred Securities 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="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 Preferred Securities, each holder of Preferred Securities, 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 Preferred Securities. Additionally, by its acquisition of any Preferred Securities, each holder of Preferred Securities acknowledges and agrees that, upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Preferred Securities&#58; (i) the trustee will not be required to take any further directions from the holders of Preferred Securities with respect to any portion of the Preferred Securities 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; provided, however, that notwithstanding the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Preferred Securities, so long as any Preferred Securities remain outstanding, there will at all times be a trustee for the Preferred Securities 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 Preferred Securities remain outstanding following the completion of the exercise of the Spanish Bail-in Power. </font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 Preferred Securities, each holder of Preferred Securities further agrees to be deemed to have authorized, directed and requested DTC, the European Clearing Systems and any direct participant in DTC, the European Clearing Systems or other intermediary or depositary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;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%">through which it holds such Preferred Securities to take any and all necessary actions, if required, to implement the exercise of the Spanish Bail-in Power with respect to the Preferred Securities as it may be imposed, without any further action or direction on the part of such holder of Preferred Securities. </font></div><div style="text-indent:18pt"><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 Preferred Securities, 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 Preferred Securities. BBVA will also deliver a copy of such notice to the trustee for information purposes. No failure or delay by BBVA to deliver a notice shall affect the validity or enforceability of the exercise of the Spanish Bail-in Power.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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 Preferred Security, each holder acknowledges, accepts, consents to and agrees to be bound by (i) the exercise and effect 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 any Common Shares that may be delivered to it upon the Conversion (if any) of the Preferred Securities&#59; and (ii) the variation of the terms of such Common Shares to give effect to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:12.25pt"><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="text-indent:12.25pt"><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%">103</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Holders of any Preferred Securities that acquire such Preferred Securities 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 Preferred Securities upon their initial issuance, including, without limitation, with respect to Conversion and the acknowledgment and agreement to be bound by and consent to the terms of the Preferred Securities 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 and Acknowledgment with Respect to the Exercise of the Spanish Bail-in Power&#8221;.</font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">The Indenture provides that the foregoing agreement and acknowledgment regarding the Spanish Bail-in Power is governed by Spanish law and that any Bail-in Dispute is subject to the exclusive jurisdiction of the Spanish courts.</font></div><div style="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><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="text-indent:18pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Purchases of the Preferred Securities</font></div><div><font><br></font></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">BBVA or any member of the BBVA Group or any other legal entity acting on behalf of BBVA may purchase or otherwise acquire any of the outstanding Preferred Securities at any price in the open market or otherwise, subject to the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations, and otherwise in accordance with Articles 77 and 78 of CRR and&#47;or any other Applicable Banking Regulations in force at the relevant time. Upon their acquisition, such Preferred Securities will immediately cease to be deemed &#8220;outstanding&#8221; under the Indenture and must be surrendered to the trustee for their cancellation.</font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:24.5pt"><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 Indenture and subject to compliance with the provisions of any applicable law (including the Spanish Companies Act and the Applicable Banking Regulations), BBVA or any member of the BBVA Group may exercise such rights as BBVA or such member of the BBVA Group may from time to time possess to purchase or redeem or buy back any of BBVA&#8217;s shares (including Common Shares) or any depositary or other receipts or certificates representing the same without the consent of the holders.</font></div><div style="text-indent:24.5pt"><font><br></font></div><div><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><font><br></font></div><div style="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 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 under the Preferred Securities, and set 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, with respect to a Distribution Payment Date, the aggregate Distribution paid on a Distribution Payment Date or, with respect to a redemption date, the amount of the difference, if any, between the aggregate Redemption Price paid upon the redemption of the Preferred Securities (or a portion thereof) and the aggregate Liquidation Preference of such Preferred Securities, provided that such difference corresponds to a Distribution paid by BBVA.</font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:24.5pt"><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 a Distribution Payment Date or in connection with a redemption date, 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><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Notices</font></div><div><font><br></font></div><div style="text-indent:24.5pt"><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 Preferred Securities 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 Preferred Securities are in global form, any notice given to the holder of a Preferred Security 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="text-indent:24.5pt"><font><br></font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:24.5pt"><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%">104</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-align:center;text-indent:24.5pt"><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 SERIES 14 NON-STEP-UP NON-CUMULATIVE CONTINGENT CONVERTIBLE PERPETUAL PREFERRED TIER 1 SECURITIES</font></div><div><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:115%">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><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA&#8217;s $1,000,000,000 Series 14 Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:112%">Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;) were issued under the indenture dated September 25, 2017 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:112%">Contingent Convertible Preferred Securities Indenture</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;) between BBVA, as issuer, and The Bank of New York Mellon, acting (except with respect to its role as contingent convertible preferred security registrar) through its London Branch, as trustee, paying and conversion agent, principal paying agent and contingent convertible preferred security registrar, as amended and supplemented, with respect to the Preferred Securities, by the fourth supplemental indenture dated as of January 14, 2025 between BBVA, as issuer, The Bank of New York Mellon, acting (except with respect to its role as contingent convertible preferred security registrar) through its London Branch, as trustee, paying and conversion agent, calculation agent, principal paying agent and contingent convertible preferred security registrar (the Contingent Convertible Preferred Securities Indenture, as so amended and supplemented with respect to the Preferred Securities, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:112%">Indenture</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;). </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Preferred Securities were issued pursuant to the resolutions of the board of directors of BBVA adopted on September 25, 2024. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The fourth supplemental indenture amended and supplemented the Contingent Convertible Preferred Securities Indenture in certain material respects. The Contingent Convertible Preferred Securities Indenture is included as Exhibit 4.6 to BBVA&#8217;s Registration Statement on Form F-3 filed with the SEC on July 29, 2022, and the fourth supplemental indenture is included as Exhibit 4.18 to BBVA&#8217;s report on Form 6-K furnished to the SEC on January 14, 2025 and incorporated by reference into such Registration Statement. Holders of the Preferred Securities may also obtain a copy of the Indenture from the trustee.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The following summary of certain provisions of the Preferred Securities and the Indenture does not purport to be complete and is subject, and qualified in its entirety by reference, to all the provisions of the Preferred Securities and the Indenture, including the definitions of the terms provided therein. Whenever we refer to specific provisions of or terms defined in the Indenture in this section, we incorporate by reference into this section such specific provisions of or terms defined in the Indenture. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA may issue future preferred securities under other indentures or documentation that contains provisions different from those included in the Indenture, including future preferred securities under the Contingent Convertible Preferred Securities Indenture (as it may be amended and supplemented by any relevant supplemental indenture). BBVA is not prohibited under the Preferred Securities or the Indenture from paying any amounts due under any of its obligations at a time when they are in default or BBVA has failed to pay any amounts due under the Preferred Securities or the Indenture. </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">General</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Preferred Securities were issued in an aggregate Liquidation Preference of $1,000,000,000. The Preferred Securities are perpetual instruments with no fixed maturity or fixed redemption date. The Preferred Securities were issued in registered form and carry a liquidation preference of $200,000 per Preferred Security. The Preferred Securities constitute a series of contingent convertible preferred securities under the Contingent Convertible Preferred Securities Indenture.</font></div><div><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%">105</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Preferred Securities were issued in the form of one or more global certificates, deposited with a custodian for DTC, and Preferred Securities represented thereby were registered in the name of Cede &#38; Co., as nominee for DTC. Beneficial interests in the Preferred Securities are shown on, and transfers thereof may be effected only through, the book-entry records maintained by DTC and its participants. Holders of Preferred Securities will not receive definitive Preferred Securities except as provided in the Indenture. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">As described 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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein, the terms of the Preferred Securities provide that BBVA </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">may elect, in its sole and absolute discretion, to cancel the payment of any Distribution (as defined in the Indenture) on the Preferred Securities in whole or in part at any time and for any or no reason.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">  As described 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:112%">&#8212;Distributions&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein, the terms of the Preferred Securities also provide for circumstances under which BBVA is restricted from making a Distribution (in whole or in part) on the Preferred Securities on a Distribution Payment Date, and the Distribution payable in respect of any such Distribution Payment Date shall be deemed cancelled (in whole or in part) and therefore not due and payable. Distributions are only due and payable on a Distribution Payment Date to the extent they are not cancelled or deemed cancelled previously or thereafter in accordance with the provisions of the Indenture. Any Distributions cancelled or deemed cancelled (in each case, in whole or in part) in the circumstances described herein shall not be due and shall not accumulate or be payable at any time thereafter, and holders of the Preferred Securities shall have no rights thereto or to receive any additional Distributions or compensation as a result of such cancellation or deemed cancellation. For the avoidance of doubt, non-payment of a Distribution (or any part thereof) in respect of the Preferred Securities shall evidence BBVA&#8217;s exercise of its discretion to cancel such Distribution (or such part thereof), and accordingly such Distribution (or such part thereof) shall also not be due and payable. Furthermore, Distributions on the Preferred Securities are non-cumulative. Accordingly, if any Distribution (or any part thereof) is not paid in respect of the Preferred Securities, then the right of the holders to receive the relevant Distribution (or such part thereof) in respect of the relevant Distribution Period will be extinguished and BBVA will have no obligation to pay such Distribution (or such part thereof) accrued for such Distribution Period or to pay any interest thereon, whether or not Distributions on the Preferred Securities are paid in respect of any future Distribution Period.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">As the Preferred Securities are perpetual and have no fixed maturity or fixed redemption date, unless the Preferred Securities are redeemed, a holder may not receive any payments with respect to the Preferred Securities as BBVA is not required to pay the Liquidation Preference of the Preferred Securities at any time prior to a Liquidation Event and BBVA has the sole and absolute discretion at all times and for any or no reason to cancel in whole or in part any Distribution. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">No premium, upon redemption or otherwise, shall be payable by BBVA on the Preferred Securities.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">By acquiring any Preferred Security, each holder and beneficial owner acknowledges and agrees that&#58; (i) Distributions are payable solely at BBVA&#8217;s discretion, and no amount of Distribution shall become or remain due and payable in respect of the relevant Distribution Period to the extent that it has been cancelled or deemed cancelled by BBVA and&#47;or as a result of the limitations on payment 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:112%">&#8212;Distributions&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">herein&#59; and (ii) a cancellation or deemed cancellation of any Distribution (in whole or in part) in accordance with the terms of the Indenture and the Preferred Securities shall not constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture, or the occurrence of any event related to BBVA&#8217;s insolvency or entitle holders to take any action to cause such Distribution to be paid or the liquidation, dissolution or winding-up of BBVA or in any way limit or restrict BBVA from making any distribution or equivalent payment in connection with any instrument, including any instrument ranking junior to the Preferred Securities (including, without limitation, any CET1 Capital of BBVA or any member of the BBVA Group), or in respect of any Parity Security or other Security, except to the extent Applicable Banking Regulations (as defined in the Indenture) otherwise provide. </font></div><div><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%">106</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">As provided in the Indenture, if a Trigger Event occurs, the Preferred Securities will be converted in whole and not in part, and if a Capital Reduction occurs, the Preferred Securities will be converted in whole and not in part except for Preferred Securities in respect of which such holders have elected not to convert such Preferred Securities. To exercise such right, a holder of Preferred Securities must complete, sign and deposit at the specified office of any Paying and Conversion Agent (as defined in the Indenture) a duly completed and signed Election Notice, in the form indicated in the Capital Reduction Notice, on or before the tenth Business Day (as defined in the Indenture) immediately following the Capital Reduction Notice Date. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Upon any Trigger Event, holders (and beneficial owners) of any Preferred Securities shall have no claim against BBVA in respect of (i) any Liquidation Preference of the Preferred Securities or (ii) any accrued and unpaid Distributions in respect of Preferred Securities, and the Preferred Securities shall cease to represent any right other than the right to receive Common Shares from or on behalf of the Conversion Shares Depository (except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares).</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Upon any Capital Reduction, holders (and beneficial owners) of any Preferred Securities, other than holders of Preferred Securities in respect of which such holders have elected not to convert such Preferred Securities as provided 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:112%">Conversion</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein, shall have no claim against BBVA in respect of any Liquidation Preference of such Preferred Securities, and the Preferred Securities, other than Preferred Securities in respect of which holders have elected not to convert such Preferred Securities as provided 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:112%">Conversion</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein shall cease to represent any right other than the right to receive Common Shares from or on behalf of the Conversion Shares Depository (except as noted in the Indenture with respect to certain stamp and similar taxes. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">As provided in the Indenture, holders of the Preferred Securities may elect to have their Common Shares delivered in the form of Common Shares or ADSs. The obligation to deliver ADSs if a holder elects to have its Common Shares delivered in such form will apply only if on the relevant Conversion Settlement Date BBVA continues to maintain an ADS depositary facility. Holders that elect to receive Common Shares in the form of ADSs must pay any fees that may be payable to the ADS Depositary as a result of the issue and delivery of such ADSs in accordance with the Delivery Notice. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">In order to obtain delivery of the relevant Common Shares on Conversion, the relevant holder must deliver a duly completed Delivery Notice together with the Preferred Securities held by it in accordance with the provisions set out in the Indenture. In addition, within ten Business Days following the Conversion Settlement Date, all Common Shares held by the Conversion Shares Depository in respect of which the applicable Preferred Securities and a duly completed Delivery Notice have not been received on or before the Notice Cut-off Date as aforesaid will be sold by or on behalf of the Selling Agent as soon as reasonably practicable and (subject to the deduction by or on behalf of the Selling Agent of any amount payable in respect of its liability to taxation and the payment of any capital, stamp, issue, registration and&#47;or transfer taxes and duties (if any) and any fees or costs incurred by or on behalf of the Selling Agent in connection with the sale and allotment thereof) the net proceeds of such sale shall as soon as reasonably practicable be distributed pro rata to the relevant holders in accordance with the Indenture or in such other manner and at such time as BBVA shall determine and notify to the relevant holders.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Conversion Shares Depository may be BBVA or another member of the BBVA Group or a third party.</font></div><div><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%">107</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Preferred Securities are not convertible into Common Shares at the option of holders of Preferred Securities at any time and are not redeemable in cash as a result of a Conversion Event. Notwithstanding anything to the contrary in the Preferred Securities, the Indenture or any other agreements, arrangements, or understandings between BBVA and any holder of the Preferred Securities, by its acquisition of the Preferred Securities, each holder and beneficial owner shall be deemed to have (i) agreed to all the terms and conditions of the Preferred Securities, including, without limitation, those related to (y) Conversion following a Trigger Event or Capital Reduction, as the case may be, and (z) the appointment of the Conversion Shares Depository, the issuance of the Common Shares to the Conversion Shares Depository, and acknowledged that such events in (y) and (z) may occur without any further action on the part of the holders or beneficial owners of the Preferred Securities or the trustee, (ii) agreed that effective upon, and following, a Conversion Event, no amount shall be due and payable to the holders of the Preferred Securities (other than any accrued and unpaid Distributions to be paid upon a Capital Reduction Conversion in accordance with the provisions 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:112%">&#8212;Conversion&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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:112%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">herein and except as provided 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:112%">&#8212;Conversion&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein) and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares), and BBVA&#8217;s liability to pay any amounts (including the Liquidation Preference of, or any Distribution in respect of the Preferred Securities (other than any accrued and unpaid Distributions to be paid upon a Capital Reduction Conversion in accordance with the provisions described 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:112%">&#8212;Conversion&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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:112%">&#8212;Distributions&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein and except as provided under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8220;&#8212;Conversion&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein), and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares)) shall be automatically released, and the holders of the Preferred Securities so converted shall not have the right to give a direction to the trustee with respect to the Conversion Event and any related Conversion, (iii) agreed that following a Conversion Event, the Relevant Spanish Resolution Authority may exercise its Spanish Bail-in Power with respect to the Preferred Securities or any Common Shares that may be received following a Conversion, which exercise may result in any of the consequences described in the first paragraph 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:112%">&#8212;Agreement and Acknowledgment 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:112%">&#8221;, the cancellation of the Conversion and&#47;or the implementation of material changes to the Conversion terms, (iv) waived, to the extent permitted by the Trust Indenture Act, any claim against the trustee arising out of its acceptance of its trusteeship under, and the performance of its duties, powers and rights in respect of, the Indenture and in connection with the Preferred Securities so converted or to be converted, including, without limitation, claims related to or arising out of or in connection with a Conversion Event and&#47;or any Conversion and (v) authorized, directed and requested DTC, the European Clearing Systems and any direct participant in DTC, the European Clearing Systems or other intermediary or depositary through which it holds such Preferred Securities to be converted to take any and all necessary action, if required, to implement the Conversion without any further action or direction on the part of such holder or beneficial owner of such Preferred Securities or the trustee. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA&#8217;s obligations under the Preferred Securities are subject to, and may be limited by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Distributions</font></div><div><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%">108</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Distributions on the Preferred Securities will be computed on the basis of a 360-day year of twelve 30-day months. The Preferred Securities accrue Distributions&#58; (i) in respect of the period from (and including) the Closing Date (as defined in the Indenture) to (but excluding) the First Reset Date at the rate of 7.750% per annum&#59; and (ii) in respect of each Reset Period (as defined in the Indenture), at the rate per annum equal to the aggregate of 3.249% per annum and the 5-year UST for such Reset Period, and such aggregate converted to a quarterly rate in accordance with market convention (rounded to four decimal places, with 0.00005 rounded down), all as determined by the Calculation Agent (as defined in the Indenture) on the relevant Reset Determination Date&#59; provided that any Distribution Rate shall not be less than zero. As of the issue date of the Preferred Securities, the market convention for quarterly rate conversion was as follows&#58;</font></div><div style="text-align:center;text-indent:18pt"><img alt="frmulaexhibit21a.jpg" src="frmulaexhibit21a.jpg" style="height:50px;margin-bottom:5pt;vertical-align:text-bottom;width:403px"></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">For these purposes&#58;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">5-year UST</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; means, in relation to a Reset Date and the Reset Period commencing on that Reset Date, 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 five years as published in the most recent H.15.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">First Reset Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; means January 14, 2032.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">H.15</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">most recent H.15</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; means the H.15 that includes a yield to maturity for U.S. Treasury securities with a maturity of five years, published closest in time (but prior to) the relevant Reset Determination Date&#59;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Reset Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; means the First Reset Date and every fifth anniversary thereafter.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Reset Determination Date</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; means, in relation to each Reset Date, the second Business Day immediately preceding such Reset Date.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Reset Period</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; means the period from (and including) a Reset Date to (but excluding) the next succeeding Reset Date.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Subject as described herein (including 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:112%">&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8220;&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;) and in the Indenture, such Distributions are payable quarterly in arrears on each Distribution Payment Date (as defined in the Indenture). </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If a Distribution is required to be paid in respect of a Preferred Security on any date other than a Distribution Payment Date, it shall be calculated by the Calculation Agent by applying the Distribution Rate to the Liquidation Preference in respect of each Preferred Security (i.e., $200,000 per Preferred Security), multiplying the product by (i) the actual number of days in the period from (and including) the applicable Accrual Date (as defined in the Indenture) to (but excluding) the date on which Distributions fall due divided by (ii) the actual number of days from (and including) the applicable Accrual Date to (but excluding) the next following Distribution Payment Date multiplied by four, and rounding the resulting figure to the nearest cent (half a cent being rounded upwards).</font></div><div><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%">109</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA will be discharged from its obligations to pay Distributions on the Preferred Securities by payment to the Principal Paying Agent (as defined in the Indenture) for the account of the holders on the relevant Distribution Payment Date or as otherwise 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:112%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;. Subject to any applicable fiscal or other laws and regulations, each such payment in respect of the Preferred Securities will be made in U.S. dollars (or such coin or currency of the United States of America that at the time of payment is legal tender for payment of public and private debts) by transfer to an account capable of receiving payments in such currency, as directed by the Principal Paying Agent. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If any date on which any payment is due to be made on the Preferred Securities would otherwise fall on a date which is not a Payment Business Day (as defined in the Indenture), the payment will be postponed to the next Payment Business Day and the holders shall not be entitled to any interest or other payment in respect of any such delay.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If BBVA does not pay a Distribution or part thereof in accordance with 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:112%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;, such non-payment shall evidence the cancellation of such Distribution (or relevant part thereof), and accordingly, such Distribution shall not in any such case be due and payable. For the avoidance of doubt, if BBVA provides notice to cancel a portion, but not all, of a Distribution in respect of the Preferred Securities, and BBVA subsequently does not make a payment of the remaining portion of such Distribution on the relevant Distribution Payment Date, such non-payment shall evidence BBVA&#8217;s exercise of its discretion to cancel also such portion of such Distribution, and accordingly such portion of the Distribution shall also not be due and payable.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Calculation Agent will at or as soon as practicable after the relevant time on each Reset Determination Date at which the Distribution Rate is to be determined, determine the Distribution Rate for the relevant Reset Period. The Calculation Agent will cause the Distribution Rate for each Reset Period to be notified to BBVA and the stock exchange on which the Preferred Securities are listed and notice thereof to be published in accordance with the notice provisions of the Indenture as soon as possible after its determination but in no event later than the fourth Business Day after each Reset Determination Date.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The regular record date for the Distribution payable on any Distribution Payment Date on the Preferred Securities is the 15th calendar day (whether or not a Business Day) preceding a Distribution Payment Date.</font></div><div><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:112%">Distributions Discretionary</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA may elect, in its sole and absolute discretion, to cancel the payment of any Distribution on the Preferred Securities in whole or in part at any time and for any or no reason.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Distributions on the Preferred Securities are non-cumulative. Accordingly, if any Distribution (or any part thereof) is not paid in respect of the Preferred Securities as a result of its election to cancel such Distribution in accordance with this section &#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:112%">Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; or the limitations on payment set out 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:112%">&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; below then the right of the holders to receive the relevant Distribution (or such part thereof) in respect of the relevant Distribution Period (as defined in the Indenture) will be extinguished and BBVA will have no obligation to pay such Distribution (or such part thereof) accrued for such Distribution Period or to pay any interest thereon, whether or not Distributions on the Preferred Securities are paid in respect of any future Distribution Period.</font></div><div><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%">110</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">No such election to cancel the payment of any Distribution (or any part thereof) pursuant to this section &#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:112%">Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; or non-payment of any Distribution (or any part thereof) as a result of the limitations on payment set out 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:112%">&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; below will constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture or the occurrence of any event related to BBVA&#8217;s insolvency or entitle holders to take any action to cause such Distribution (or part thereof) to be paid or the liquidation, dissolution or winding-up of BBVA or in any way limit or restrict BBVA from making any distribution or equivalent payment in connection with any instrument ranking junior to the Preferred Securities (including, without limitation, any CET1 Capital of BBVA or any member of the BBVA Group) or in respect of any Parity Security (as defined in the Indenture) or other security, except to the extent Applicable Banking Regulations otherwise provide.</font></div><div><font><br></font></div><div style="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:112%">Restrictions on Payments</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Payments of Distributions on the Preferred Securities shall be made only out of Distributable Items of BBVA.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">To the extent that (i) BBVA has insufficient Distributable Items to make Distributions on the Preferred Securities scheduled for payment in the then-current financial year and any interest payments or distributions that have been paid or made or are scheduled or required to be paid or made out of Distributable Items of BBVA in the then-current financial year, in each case excluding any portion of such payments already accounted for in determining the Distributable Items of BBVA, and&#47;or (ii) the Regulator (as defined in the Indenture), in accordance with Article 68 of Law 10&#47;2014 and&#47;or Article 16 of the SSM Regulation and&#47;or with Applicable Banking Regulations then in force, requires BBVA to cancel the relevant Distribution in whole or in part, then BBVA will, without prejudice to the right 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:112%">&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; above to cancel at its discretion the payment of any such Distributions on the Preferred Securities at any time, make partial or, as the case may be, no payment of the relevant Distribution on the Preferred Securities.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">No payments will be made on the Preferred Securities (whether by way of a repayment of the Liquidation Preference, the payment of any Distribution or otherwise) if and to the extent that such payment would cause a breach of any regulatory restriction or prohibition on payments on Additional Tier 1 Instruments pursuant to Applicable Banking Regulations (including, without limitation, any such restriction or prohibition relating to any Maximum Distributable Amount or MREL-MDA (each as defined in the Indenture) applicable to BBVA and&#47;or the BBVA Group).</font></div><div><font><br></font></div><div style="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:112%">Agreement to Distribution Cancellation </font></div><div><font><br></font></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">By acquiring Preferred Securities, holders (which, for the purposes of this section includes holders of a beneficial interest in the Preferred Securities) acknowledge and agree that&#58; </font></div><div><font><br></font></div><div style="text-indent:24.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(i)    Distributions are payable solely at BBVA&#8217;s discretion, and no amount of Distribution shall become or remain due and payable in respect of the relevant Distribution Period to the extent that it has been cancelled or deemed cancelled by BBVA as 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:112%">&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; above and&#47;or as a result of the limitations on payment 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:112%">&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; above&#59; and</font></div><div><font><br></font></div><div style="text-indent:24.45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%">    </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">a cancellation or deemed cancellation of any Distribution (in whole or in part) in accordance with the terms of the Preferred Securities or the Indenture shall not constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture, or the occurrence of any event related to the insolvency of BBVA or entitle holders to take any action to cause such Distribution to be paid or the liquidation, dissolution or winding-up of BBVA or in any way limit or restrict BBVA from making any distribution or equivalent payment in connection with any instrument, including any instrument ranking junior to the contingent convertible preferred securities of such series (including, without limitation, any CET1 Capital of BBVA or any member of the BBVA Group), or in respect of any Parity Security or other Security, except to the extent Applicable Banking Regulations otherwise provide. </font></div><div><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%">111</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Distributions will only be due and payable on a Distribution Payment Date to the extent they are not cancelled or deemed cancelled previously or thereafter in accordance with the provisions described herein and in the Indenture. Any Distributions cancelled or deemed cancelled (in each case, in whole or in part) in the circumstances described herein shall not be due and shall not accumulate or be payable at any time thereafter, and holders of the contingent convertible preferred securities shall have no rights thereto or to receive any additional Distributions or compensation as a result of such cancellation or deemed cancellation.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Liquidation Distribution</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Except as set forth in the following paragraph, in the event of any voluntary or involuntary liquidation or winding-up of BBVA (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Liquidation Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;), holders of the Preferred Securities (unless previously converted into Common Shares in accordance with the Indenture) shall be entitled to receive out of the assets of BBVA available for distribution to holders of such Preferred Securities, the Liquidation Distribution. Such entitlement will arise before any distribution of assets is made to holders of Common Shares or any other instrument of BBVA ranking junior to the Preferred Securities.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If, upon the occurrence of a Liquidation Event, a Conversion Event has occurred or occurs but the relevant conversion of the Preferred Securities into Common Shares in accordance with the Indenture is still to take place at such time, holders of the Preferred Securities will be entitled to receive (i) out of the relevant assets of BBVA a monetary amount equal to that which holders of such Preferred Securities would have received on any distribution of the assets of BBVA if such Conversion had taken place immediately prior to such Liquidation Event or (ii) such amounts as may be otherwise provided in accordance with applicable law at such time.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">After payment of the relevant entitlement in respect of a Preferred Security as described in this section, such Preferred Security will confer no further right or claim to any of the remaining assets of BBVA.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Additional Issuances </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Preferred Securities were initially limited in aggregate Liquidation Preference to $1,000,000,000. BBVA may from time to time, without the consent of the holders, issue Additional Preferred Securities having the same ranking and same Distribution Rate, redemption terms and other terms as the Preferred Securities except for the price to the public, initial Accrual Date, Closing Date and first Distribution Payment Date. Any such Additional Preferred Securities subsequently issued shall rank equally and ratably with the Preferred Securities in all respects, so that such Additional Preferred Securities shall be consolidated and form a single series with the Preferred Securities under the Indenture.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Subordination</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Unless previously converted into Common Shares (as set forth in the Indenture and except as provided in the second paragraph 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:112%">&#8212;Liquidation Distribution</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;), the payment obligations of BBVA under the Preferred Securities are direct, unconditional, unsecured and subordinated 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:112%">concurso de acreedores</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">) of BBVA, in accordance with and only to the extent permitted by the Spanish Insolvency Law and any other applicable laws relating to or affecting the enforcement of creditors&#8217; rights in Spain (including, without limitation, Additional Provision 14.3 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), for so long as the Preferred Securities constitute an Additional Tier 1 Instrument of BBVA, the payment obligations of BBVA under the Preferred Securities will rank&#58;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(i) junior to&#58;</font></div><div><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%">112</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:58.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%">  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">any claim in respect of any unsubordinated obligations of BBVA (including where the relevant claim subsequently becomes subordinated pursuant to Article 281.1.1&#186; of the Spanish Insolvency Law)&#59; and</font></div><div><font><br></font></div><div style="text-indent:58.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(b) any claim in respect of any other subordinated obligations of BBVA, present and future, other than under any outstanding Additional Tier 1 Instrument of BBVA (other than, to the extent permitted by law, any Parity Securities, whether so ranking by law or their terms)&#59;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(ii) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">pari passu</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> with each other and with all other claims in respect of contractually subordinated obligations of BBVA under any outstanding Additional Tier 1 Instruments, present and future (and, to the extent permitted by law, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">pari passu</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> with any other Parity Securities, whether so ranking by law or their terms)&#59; and</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(iii) senior to the Common Shares and any other subordinated obligations of BBVA which by law rank junior to the Preferred Securities (including, to the extent permitted by law, any contractually subordinated obligations of BBVA expressed by their terms to rank junior to the Preferred Securities),</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%">such that any relevant claim in respect of the Preferred Securities will be satisfied, as appropriate, only to the extent that all claims ranking senior to it have first been satisfied in full, and then </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">pro rata</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> 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:112%">pari passu</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> with it, in each case as provided above.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA&#8217;s obligations under the Preferred Securities are subject to, and may be limited by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">According to current law, unless previously converted into Common Shares, to the extent the Preferred Securities cease to constitute an Additional Tier 1 Instrument of BBVA and constitute a Tier 2 Instrument (as defined in the Indenture) of BBVA instead, the payment obligations of BBVA under the Preferred Securities will rank in accordance with Section 3.(2&#186;) of Additional Provision 14 of Law 11&#47;2015 but not otherwise and subject to any other ranking that may apply as a result of any mandatory provision of law (or otherwise), as if the Preferred Securities were a Tier 2 Instrument.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">According to current law, to the extent the Preferred Securities cease to constitute either an Additional Tier 1 Instrument or a Tier 2 Instrument of BBVA, the payment obligations of BBVA under such Preferred Securities will rank, in accordance with Section 3.(1&#186;) of Additional Provision 14 of Law 11&#47;2015 but not otherwise and subject to any other ranking that may apply as a result of any mandatory provision of law (or otherwise), as if the Preferred Securities were contractually subordinated obligations of BBVA not constituting Additional Tier 1 Capital or Tier 2 Capital of BBVA.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA agrees with respect to any Preferred Securities and each holder and beneficial owner of Preferred Securities, by his or her acquisition of a Preferred Security, will be deemed to have agreed to the above described subordination. To the extent permitted by Spanish law, each such holder and beneficial owner will be deemed to have irrevocably waived his or her rights of priority which would otherwise be accorded to him or her under the laws of Spain, to the extent necessary to effectuate the subordination provisions of the Preferred Security. In addition, each holder and beneficial owner of Preferred Securities by his or her acquisition of the securities, 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 subordination of the Preferred Securities 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.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Redemption of the Preferred Securities</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Subject to the provisions described 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:112%">Redemption Due to a Tax Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;, &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8212;Redemption Due to a Capital Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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:112%">Clean-up Call</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; below, the Preferred Securities will not be redeemable prior to the First Reset Date. Any redemption is subject to the conditions and procedures 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%">113</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:112%">Optional Redemption</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">All, and not only some, of the Preferred Securities may be redeemed at the option of BBVA on the First Reset Date, and on any Distribution Payment Date thereafter, at the Redemption Price, subject to such redemption 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.</font></div><div><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:112%">Redemption Due to a Tax Event</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If, on or after the Closing Date, there is a Tax Event (as defined in the Indenture), the Preferred Securities may be redeemed, in whole but not in part, at BBVA&#8217;s option at any time at the Redemption Price, subject to such redemption 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. </font></div><div><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:112%">Redemption Due to a Capital Event</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If, on or after the Closing Date, there is a Capital Event (as defined in the Indenture), the Preferred Securities may be redeemed, in whole but not in part, at BBVA&#8217;s option at any time at the Redemption Price, subject to such redemption 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.</font></div><div><font><br></font></div><div style="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:112%">Clean-up Call</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If, on or after the Closing Date, Preferred Securities representing, in the aggregate, 75% or more of the aggregate Liquidation Preference of the Preferred Securities (including any Preferred Securities issued after the Closing Date and any Preferred Securities which have been cancelled by the trustee in accordance with the Indenture) have been purchased by or on behalf of BBVA or any member of the BBVA Group, the Preferred Securities may be redeemed, in whole but not in part, at BBVA&#8217;s option at any time at the Redemption Price, subject to such redemption 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 (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Clean-up Call</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;).</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Clean-up Call is subject to the conditions described the Indenture. </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Conversion</font></div><div><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:112%">Conversion Upon Trigger Event</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If the Trigger Event occurs at any time on or after the Closing Date, then BBVA will&#58;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(i) not pay any Distribution on the Preferred Securities, including any accrued and unpaid Distributions, which shall be deemed to be cancelled by BBVA in accordance with the Indenture&#59; and</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(ii) irrevocably and mandatorily (and without any requirement for the consent or approval of the holders or beneficial owners of Preferred Securities) convert all the Preferred Securities into Common Shares (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Trigger Conversion</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;) to be delivered on the relevant Conversion Settlement Date (as defined in the Indenture). If the Trigger Event occurs, the Preferred Securities will be converted in whole and not in part.</font></div><div><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%">114</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">For the purposes of determining whether the Trigger Event has occurred, BBVA will (A) calculate the CET1 ratio based on information (whether or not published) available to management of BBVA, including information internally reported within BBVA pursuant to its procedures for ensuring effective ongoing monitoring of the capital ratios of BBVA and the BBVA Group and (B) calculate and publish the CET1 ratio on at least a quarterly basis. BBVA&#8217;s calculation shall be binding on the trustee and the holders and beneficial owners of the Preferred Securities.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">A Trigger Event will not constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture or the occurrence of any event related to the insolvency of BBVA or entitle holders to take any action to cause the liquidation, dissolution or winding-up of BBVA.</font></div><div><font><br></font></div><div style="text-indent:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:112%">Conversion Upon Capital Reduction</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Except as provided in the Indenture, if a Capital Reduction occurs at any time on or after the Closing Date, then BBVA will, subject as provided in the immediately following paragraph, irrevocably and mandatorily (and without any requirement for the consent or approval of the holders or beneficial owners of the Preferred Securities) convert all the Preferred Securities into Common Shares (a &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Capital Reduction Conversion</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;) to be delivered on the relevant Conversion Settlement Date and on such Conversion Settlement Date pay to the holders, as applicable, where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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:112%">&#8212;Distributions&#8212;Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein, an amount equal to the accrued and unpaid Distributions for the then current Distribution Period up to (but excluding) such Conversion Settlement Date.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Notwithstanding the preceding paragraph, if a Capital Reduction occurs at any time on or after the Closing Date, each holder of the Preferred Securities will have the right to elect that all (but not part) of its Preferred Securities shall not be converted in accordance with the preceding paragraph, in which case all Preferred Securities of such holder shall remain outstanding and no payment of any accrued and unpaid Distributions on such Preferred Securities shall be made in respect of such Preferred Securities to that holder on the relevant Conversion Settlement Date pursuant to the preceding paragraph (without prejudice to any payment of such Distributions or any other Distributions that may accrue in respect of those Preferred Securities). To exercise such right, a holder must complete, sign and deposit at the specified office of any Paying and Conversion Agent a duly completed and signed notice of election (an &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Election Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;), in the form indicated in the Capital Reduction Notice, on or before the tenth Business Day immediately following the Capital Reduction Notice Date (the period from (and including) the Capital Reduction Notice Date to (and including) such tenth Business Day, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Election Period</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;). In the case of any Preferred Securities represented by a Global Preferred Security held by or on behalf of a Clearing System, an Election Notice may be delivered within the Election Period by the holder giving notice to any Paying and Conversion Agent of such election in accordance with the applicable procedures of the relevant Clearing System (which may include notice being given on such holder&#8217;s instruction by the relevant Clearing System to the Paying and Conversion Agent by electronic means) in a form acceptable to such Clearing System from time to time.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">An Election Notice shall be irrevocable. Each Paying and Conversion Agent shall inform the Principal Paying Agent within two Business Days of the end of such Election Period of the Election Notices received during the Election Period and the Principal Paying Agent shall notify BBVA of the details of the relevant holders that have duly submitted an Election Notice within the Election Period (including the aggregate Liquidation Preference of Preferred Securities held by such holders) by no later than the immediately following Business Day.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Any relevant Preferred Securities in respect of which a duly completed and signed Election Notice is not received during the Election Period shall be converted into Common Shares. Any Preferred Securities not converted upon a Capital Reduction as a result of holders delivering a duly completed and signed Election Notice during the Election Period shall remain outstanding and, notwithstanding any of the above, may be the subject of Conversion on the occurrence of a Trigger Event or any further Capital Reduction.</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%">115</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">A Capital Reduction will not constitute an Enforcement Event or other default under the terms of the Preferred Securities or the Indenture or the occurrence of any event related to the insolvency of BBVA or entitle holders to take any action to cause the liquidation, dissolution or winding-up of BBVA.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">At the annual general shareholders&#8217; meeting of BBVA held on March 15, 2024, BBVA shareholders voted 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, through the redemption of own shares purchased for the purpose of being redeemed, delegating to BBVA&#8217;s board of directors the implementation of the share capital reduction, totally or partially, on one or more occasions. On May 24, 2024, BBVA announced the partial execution of this share capital reduction resolution, through the reduction of BBVA&#8217;s share capital by &#8364;36,580,908.35 and the consequent redemption of 74,654,915 shares of &#8364;0.49 par value each acquired by BBVA pursuant to a share buyback program scheme and held as treasury shares. For the avoidance of doubt, a share capital reduction effected pursuant to this March 15, 2024 resolution would not constitute a Capital Reduction for purposes of the Preferred Securities. </font></div><div><font><br></font></div><div style="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:112%">Upon Conversion</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Except as provided below with respect to fractions, the number of Common Shares to be issued on Conversion in respect of each Preferred Security to be converted shall be determined by dividing the Liquidation Preference of such Preferred Security by the relevant Conversion Price (as defined in the Indenture) in effect on the relevant Conversion Notice Date rounded down to the nearest whole number of Common Shares. Fractions of Common Shares will not be issued on Conversion or pursuant to the provisions of the Indenture and no cash payment or other adjustment will be made in lieu thereof. Without prejudice to the generality of the foregoing, if one or more Delivery Notices (as defined in the Indenture) and the related Preferred Securities are received by or on behalf of a Paying and Conversion Agent such that the Common Shares to be delivered by or on behalf of the Conversion Shares Depository (as defined in the Indenture) are to be registered in the same name or delivered to the same Clearing System participant account, the number of such Common Shares to be delivered in respect thereof shall be calculated on the basis of the aggregate Liquidation Preference of such Preferred Securities being so converted and rounded down to the nearest whole number of Common Shares.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Upon any Trigger Event, holders (and beneficial owners) of the Preferred Securities shall have no claim against BBVA in respect of (i) any Liquidation Preference of such Preferred Securities or (ii) any accrued and unpaid Distributions in respect of Preferred Securities, and the Preferred Securities shall cease to represent any right other than the right to receive Common Shares from or on behalf of the Conversion Shares Depository (except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares).</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Upon any Capital Reduction, holders (and beneficial owners) of the Preferred Securities, other than holders of Preferred Securities in respect of which such holders have elected not to convert such Preferred Securities in accordance with the provisions described 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein, shall have no claim against BBVA in respect of any Liquidation Preference of such Preferred Securities, and the Preferred Securities, other than Preferred Securities in respect of which holders have elected not to convert such Preferred Securities in accordance with the provisions described 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein, shall cease to represent any right other than the right to receive Common Shares from or on behalf of the Conversion Shares Depository (except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares). Nothing in this paragraph shall affect BBVA&#8217;s obligation upon any Capital Reduction Conversion to pay to the holders, as applicable, where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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:112%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">herein, and except as set out 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein, an amount equal to the accrued and unpaid Distributions for the then current Distribution Period up to (but excluding) the Conversion Settlement 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%">116</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">On the Conversion Settlement Date, BBVA shall deliver to the Conversion Shares Depository such number of Common Shares (subject as provided above with respect to fractions) as is required to satisfy in full BBVA&#8217;s obligation to deliver Common Shares (i) in respect of a Trigger Conversion, of the aggregate Liquidation Preference of Preferred Securities outstanding on the Trigger Event Notice Date, and (ii) in respect of a Capital Reduction Conversion, of the aggregate Liquidation Preference of Preferred Securities outstanding on the Capital Reduction Notice Date, other than Preferred Securities in respect of which such holders have elected not to convert such Preferred Securities in accordance with the provisions described 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The obligation of BBVA to issue and deliver Common Shares to a holder of Preferred Securities on the relevant Conversion Settlement Date shall be satisfied by the delivery of such Common Shares to the Conversion Shares Depository. Receipt of the relevant Common Shares by the Conversion Shares Depository shall discharge BBVA&#8217;s obligations in respect of the Preferred Securities converted, other than, in the case of a Capital Reduction, as provided 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein with respect to the payment of accrued and unpaid Distributions for the then current Distribution Period up to (but excluding) the Conversion Settlement Date (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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:112%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">herein) except as provided 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Except as set forth in the immediately succeeding paragraph with respect to a Capital Reduction, if a Conversion Event occurs, holders shall have recourse to BBVA only for the issue and delivery of the relevant Common Shares to the Conversion Shares Depository (except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares). After such delivery by BBVA of the relevant Common Shares to the Conversion Shares Depository, holders of any Preferred Securities so converted shall have recourse to the Conversion Shares Depository only and exclusively for the purposes of delivery to them of such Common Shares, in the circumstances provided in the Indenture.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">In the case of a Capital Reduction, holders shall also have recourse to BBVA as provided 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein with respect to the payment of accrued and unpaid Distributions for the then current Distribution Period up to (but excluding) the Conversion Settlement Date (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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:112%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">herein) except as provided 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein.</font></div><div><font><br></font></div><div style="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:112%">Agreement and Waiver with Respect to Conversion</font></div><div><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%">117</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Preferred Securities are not convertible into Common Shares at the option of holders of Preferred Securities at any time and are not redeemable in cash as a result of a Conversion Event. Notwithstanding anything to the contrary in the Preferred Securities, the Indenture or any other agreements, arrangements, or understandings between BBVA and any holder of the Preferred Securities, by its acquisition of the Preferred Securities, each holder and beneficial owner shall be deemed to have (i) agreed to all the terms and conditions of the Preferred Securities, including, without limitation, those related to (y) Conversion following a Trigger Event or Capital Reduction, as the case may be, and (z) the appointment of the Conversion Shares Depository, the issuance of the Common Shares to the Conversion Shares Depository, and acknowledged that such events in (y) and (z) may occur without any further action on the part of the holders or beneficial owners of the Preferred Securities or the trustee, (ii) agreed that effective upon, and following, a Conversion Event, no amount shall be due and payable to the holders of the Preferred Securities (other than any accrued and unpaid Distributions to be paid upon a Capital Reduction Conversion in accordance with the provisions 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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:112%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">herein and except as provided 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein) and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares), and BBVA&#8217;s liability to pay any amounts (including the Liquidation Preference of, or any Distribution in respect of the Preferred Securities (other than any accrued and unpaid Distributions to be paid upon a Capital Reduction Conversion in accordance with the provisions set forth under </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8220;&#8212;Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein (where not cancelled or deemed cancelled pursuant to, or otherwise subject to the limitations on payment set out 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:112%">&#8212;Distributions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8212;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Restrictions on Payments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8220;&#8212;Distributions&#8212;Distributions Discretionary&#8221; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">herein and except as provided 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:112%">Conversion Upon Capital Reduction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein) and except as noted in the Indenture with respect to certain Spanish stamp and similar taxes payable by BBVA in respect of the issue and delivery of the Common Shares)), shall be automatically released, and the holders of the Preferred Securities so converted shall not have the right to give a direction to the trustee with respect to the Conversion Event and any related Conversion, (iii) agreed that following a Conversion Event, the Relevant Spanish Resolution Authority may exercise its Spanish Bail-in Power with respect to the Preferred Securities or any Common Shares that may be received following a Conversion, which exercise may result in any of the consequences described in the first paragraph 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:112%">&#8212;Agreement and Acknowledgment 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:112%">&#8221;, the cancellation of the Conversion and&#47;or the implementation of material changes to the Conversion terms, (iv) waived, to the extent permitted by the Trust Indenture Act, any claim against the trustee arising out of its acceptance of its trusteeship under, and the performance of its duties, powers and rights in respect of, the Indenture and in connection with the Preferred Securities so converted or to be converted, including, without limitation, claims related to or arising out of or in connection with a Conversion Event and&#47;or any Conversion and (v) authorized, directed and requested DTC, the European Clearing Systems and any direct participant in DTC, the European Clearing Systems or other intermediary or depositary through which it holds such Preferred Securities to be converted to take any and all necessary action, if required, to implement the Conversion without any further action or direction on the part of such holder or beneficial owner of such Preferred Securities or the trustee.</font></div><div><font><br></font></div><div style="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:112%">Delivery of ADSs</font></div><div><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%">118</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">In respect of any Common Shares that holders elect to receive in the form of ADSs as specified in the Delivery Notice, the Conversion Shares Depository shall deposit with the custodian for the ADS Depositary the relevant number of Common Shares to be issued upon Conversion of the Preferred Securities, and the ADS Depositary shall issue the corresponding number of ADSs to the DTC Participant account or registered ADS facility account specified by such holders (per the ADS-to-Common Share ratio in effect on the Conversion Settlement Date). However, the issuance of the ADSs by the ADS Depositary may be delayed until the depositary bank or the custodian receives confirmation that all required approvals have been given and that the Common Shares have been duly transferred to the custodian and that all applicable depositary fees and payments have been paid to the ADS Depositary. Holders that elect to receive Common Shares in the form of ADSs must pay any fees that may be payable to the ADS Depositary as a result of the issue and delivery of such ADSs in accordance with the Delivery Notice. </font></div><div><font><br></font></div><div style="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:112%">Failure to Deliver a Delivery Notice</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If a duly completed Delivery Notice and the relevant Preferred Securities are not received by the Paying and Conversion Agent as provided in the Indenture and the Conversion Notice (as defined in the Indenture) on or before the Notice Cut-off Date, then within ten Business Days following the Conversion Settlement Date, all Common Shares held by the Conversion Shares Depository in respect of which the applicable Preferred Securities and a duly completed Delivery Notice have not been received on or before the Notice Cut-off Date as aforesaid will be sold by or on behalf of a person (which may be BBVA or another member of the BBVA Group or a third party) appointed by BBVA in its sole and absolute discretion (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:112%">Selling Agent</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;) as soon as reasonably practicable.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Subject to the deduction by or on behalf of the Selling Agent of any amount payable in respect of its liability to taxation and the payment of any capital, stamp, issue, registration and&#47;or transfer taxes and duties (if any) and any fees or costs incurred by or on behalf of the Selling Agent in connection with the issue, allotment and sale of any Common Shares pursuant to the preceding paragraph, and the conversion of any proceeds of such sale into U.S. dollars, the net proceeds of such sale, converted into U.S. dollars at the Prevailing Rate on the Notice Cut-off Date, if necessary, shall as soon as reasonably practicable be distributed pro rata to the relevant holders in such manner and at such time as BBVA shall determine and notify to the relevant holders. Such payment shall for all purposes discharge the obligations of BBVA, the Conversion Shares Depository, the Paying and Conversion Agent and the Selling Agent to such holders in respect of the relevant Conversion. The Selling Agent will be deemed to be acting on behalf of holders whose Preferred Securities and a duly completed Delivery Notice were not received on or before the Notice Cut-off Date for the purposes set out above and to that effect holders and beneficial owners of the Preferred Securities by virtue of their acquisition of the Preferred Securities will be deemed to be accepting and giving express instructions to the Selling Agent to do so in accordance with these conditions.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:112%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA, the Conversion Shares Depository, the Paying and Conversion Agent and the Selling Agent shall have no liability in respect of the exercise or non-exercise of any discretion or power pursuant to this section &#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:112%">Failure to Deliver a Delivery Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; or in respect of any sale of any Common Shares, whether for the timing of any such sale or the price at or manner in which any such Common Shares are sold or the inability to sell any such Common Shares. Furthermore, BBVA, the Conversion Shares Depository, the Paying and Conversion Agent and the Selling Agent shall have no liability to any holder or beneficial owner of the Preferred Securities for any loss resulting from such holder&#8217;s or beneficial owner&#8217;s failure to receive any Common Shares or ADSs, or from any delay in the receipt thereof, in each case as a result of such holder or beneficial owner (or custodian, nominee, broker or other representative thereof) failing to duly submit a Delivery Notice and the relevant Preferred Securities on a timely basis or at all.</font></div><div><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%">119</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If the applicable Preferred Securities and Delivery Notice are not received by the Paying and Conversion Agent on or before the Notice Cut-off Date and BBVA does not appoint the Selling Agent by the tenth Business Day after the Conversion Settlement Date, or if any Common Shares are not sold by the Selling Agent in accordance with this section </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8220;&#8212;Failure to Deliver a Delivery Notice</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;, the Conversion Shares Depository shall continue to hold any Common Shares not sold by the Selling Agent until a duly completed Delivery Notice and the relevant Preferred Securities are so delivered. However, any holder of such Preferred Securities delivering a Delivery Notice after the Notice Cut-off Date will have to provide evidence of its entitlement to the relevant Common Shares, or if the holder so elects, ADSs, satisfactory to the Conversion Shares Depository in its sole and absolute discretion in order to receive delivery of such Common Shares or ADSs (if so elected to be deposited with the ADS Depositary on its behalf).</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Substitution and Modification of the Preferred Securities</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Notwithstanding anything to the contrary in the Preferred Securities, the Indenture or any other agreements, arrangements, or understandings between BBVA and any holder of the Preferred Securities, by its acquisition of the Preferred Securities, each holder and beneficial owner acknowledges, accepts, consents to and agrees that if a Capital Event or a Tax Event, as applicable, occurs and is continuing, BBVA may, except if a Trigger Event occurs or shall have occurred, and except if a Capital Reduction occurs or shall have occurred (other than in respect of Preferred Securities with respect to which a duly completed Election Notice has been received during the Election Period), substitute all (but not less than all) of the Preferred Securities or modify the terms of all (but not less than all) of the Preferred Securities, without any requirement for the consent or approval of the trustee or the holders or beneficial owners of the Preferred Securities, so that such Preferred Securities are substituted for, or their terms are modified to, become again, or remain Qualifying Preferred Securities (as defined in the Indenture), subject to (i) having given not less than five nor more than 30 days&#8217; notice to the holders of Preferred Securities 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), (ii) the prior consent of the Regulator, if required pursuant to Applicable Banking Regulations, and (iii) any variation in the terms of the Preferred Securities resulting from such modification or, if the Preferred Securities are substituted, any difference between the terms of the Preferred Securities and those of the Qualifying Preferred Securities for which the Preferred Securities are substituted, not being materially prejudicial to the interests of the holders of the Preferred Securities.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">For the purposes of the immediately preceding paragraph, in the case of a modification of the terms and conditions of the Preferred Securities, any variation in the ranking of the Preferred Securities as set out 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:112%">Subordination</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein resulting from any such modification or, in the case of a substitution of the Preferred Securities, any difference between the ranking of the Preferred Securities as set out 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:112%">Subordination</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein and that of the Qualifying Preferred Securities for which the Preferred Securities are substituted, shall be deemed not to be prejudicial to the interests of the holders of Preferred Securities where the ranking of the Preferred Securities or, if the Preferred Securities are substituted, of the Qualifying Preferred Securities for which the Preferred Securities are substituted, following such substitution or modification, as the case may be, is at least the same ranking as was applicable to the Preferred Securities 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:112%">Subordination</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein on the issue date of the Preferred Securities.</font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">For the purposes of the preceding two paragraphs, the notice to be delivered by BBVA shall specify the relevant details of the manner in which the relevant substitution or modification shall take effect and where the holders of Preferred Securities can inspect or obtain copies of the new terms and conditions of the Preferred Securities or, if the Preferred Securities are substituted, of the Qualifying Preferred Securities for which the Preferred Securities are substituted. Such substitution or modification will be effected without any cost or charge to such holders.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If the Preferred Securities are substituted in accordance with this section &#8220;&#8213;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;, Distributions on the Preferred Securities shall cease to accrue from (and including) the date of substitution thereof.</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%">120</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">By its acquisition of any Preferred Security, each holder and beneficial owner acknowledges, accepts, consents to and agrees to be bound by any substitution of or modification to the Preferred Securities as set forth in this section &#8220;&#8213;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; 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 or modification of the terms of the Preferred Securities, as applicable, pursuant to this section &#8220;&#8213;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Each holder and beneficial owner of the Preferred Securities, by virtue of its acquisition of the Preferred Securities or any beneficial interest therein, 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 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 or modification of the terms of the Preferred Securities upon the occurrence of a Capital Event or a Tax Event.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Modification and Waiver</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Without prejudice to &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8212;Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; above, BBVA and the trustee may make certain modifications and amendments to the Indenture and any applicable supplemental indenture with respect to the Preferred Securities without the consent of the holders of the Preferred Securities for any of the following purposes&#58;</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to 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 the Preferred Securities&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to add to the covenants of BBVA for the benefit of the holders of Preferred Securities or to surrender any right or power conferred upon BBVA by the Indenture&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to add any additional Enforcement Events&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to make changes to procedures relating to Conversion, delivery of the Common Shares, or ADSs, as applicable, provided, however, that, unless such changes are made as a result of any change in, or amendment to, any relevant laws or regulations, no such change shall adversely affect the interests of the holders of outstanding Preferred Securities in any material respect&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to add to, change or eliminate any of the provisions of the Indenture, or any supplemental indenture, provided, however, that any such addition, change or elimination shall become effective only when there is no outstanding Preferred Securities created prior to the execution of such supplemental indenture effecting such addition, change or elimination which would be adversely affected by such addition, change or elimination and in respect of which such supplemental indenture would apply&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to establish the form or terms of Preferred Securities as permitted by the Indenture&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to change any place of payment, so long as any required place of payment is maintained&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to cure any ambiguity or to correct or supplement any provision of the Indenture which may be defective or inconsistent with any other provision of the Indenture or in any supplemental indenture&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to vary, substitute or change specified terms of the Preferred Securities subject to the conditions set forth in the Indenture, provided such action shall not adversely affect the interests of the holders of outstanding Preferred Securities in any material respect&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to evidence and provide for the acceptance of appointment under the Indenture by a successor trustee with respect to the Preferred Securities and to add to or change any of the provisions of the Indenture as shall be necessary to provide for or facilitate the administration of the trusts under the Indenture by more than one trustee, pursuant to the requirements of the Indenture&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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:13.8pt">to change or eliminate any provision of the Indenture so as to conform with the current provisions or any future provisions of the Trust Indenture Act&#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%">121</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">to name a different trustee for the Preferred Securities and to provide for the appropriate changes related to such appointment for the Preferred Securities&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">to delete, amend or supplement any provision contained in the Indenture or in any supplemental indenture as a result of, and to the extent required by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">to delete, amend or supplement any provision contained in the Indenture or in any supplemental indenture as a result of, and to the extent required by, Applicable Banking Regulations&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">with respect to any Preferred Security (including a Global Preferred Security) issued on or after the date hereof, to amend any such Preferred Security to conform to the description of the terms of the Preferred Securities in the prospectus, the prospectus supplement, product supplement, pricing supplement or any other similar offering document related to the offering of the Preferred Securities&#59; </font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">to delete, amend or supplement any provision contained in the Indenture or in any supplemental indenture as a result of, and to the extent necessary to effect, the substitution or modification of the Preferred Securities pursuant to &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8213;Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein&#59; or</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">to change or modify any provision of the Indenture as necessary to ensure that the Preferred Securities shall be convertible into ordinary shares of Newco in the event of a Newco Scheme (each as defined in the Indenture).</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Other modifications and amendments may be made to the Indenture and any applicable supplemental indenture with the consent of the holders of not less than a majority in aggregate Liquidation Preference of the outstanding Preferred Securities, voting as one class. However, no modifications or amendments may be made without the consent of the holder of the Preferred Securities affected that would&#58;</font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">change the terms of the Preferred Securities to reduce the Liquidation Preference payable upon the redemption of, or the Distributions payable on the Preferred Securities, or change the obligation of BBVA (or its successor) to pay Additional Amounts (except as contemplated 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:112%">Substitution of Issuer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein) on the Preferred Securities, or the currency in which payments under the Preferred Securities are to be made, or impair the right to institute suit for the enforcement of any such payment when due and payable on or with respect to the Preferred Securities, or modify the calculation of and any adjustment to, the Conversion Price&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">reduce the percentage in aggregate Liquidation Preference of the Preferred Securities, the consent of whose holders is required for any such supplemental indenture, or the consent of whose holders is required for any waiver (of compliance with certain provisions of the Indenture or of certain defaults thereunder and their consequences) provided for in the Indenture or reduce the requirements for a quorum or voting&#59;</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">change in any manner adverse to the interests of the holders of the outstanding Preferred Securities the subordination provisions of the Preferred Securities or the terms and conditions of the obligations of BBVA in respect of the due and punctual payment of any amounts due and payable on the outstanding Preferred Securities&#59; or</font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',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">modify the requirements applicable to the modifications and amendments referred to above or to the waiver of past Enforcement Events, except to increase any required percentage or to provide that certain other provisions of the Indenture cannot be modified or waived without the consent of the holder of each Preferred Security affected thereby,</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%">except in each case with respect to any modification or amendment of the Indenture pursuant to a supplemental indenture which is entered into as a result of, and to the extent required by, the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority, Applicable Banking Regulations or the substitution or modification of the Preferred Securities pursuant to &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8213;Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; herein, as the case may be (in which cases neither the consent nor the affirmative vote of any holder of an outstanding Preferred Security affected shall be required).</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Substitution of Issuer</font></div><div><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%">122</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA may, without the consent of holders of the Preferred Securities, consolidate or amalgamate with or merge into any other person or persons (whether or not affiliated with BBVA) or sell, convey or transfer or lease its properties and assets as an entirety or substantially as an entirety to any person (whether or not affiliated with BBVA), provided that (i) any person formed by any consolidation, amalgamation or merger, or any transferee or lessee of BBVA&#8217;s assets shall expressly assume, by a supplemental indenture, executed and delivered to the trustee, in form satisfactory to the trustee, all obligations of BBVA under the Indenture&#59; (ii) immediately after giving effect to such consolidation, amalgamation, merger, conveyance, transfer or lease, no Enforcement Event and no event which, after notice or lapse of time or both, would become an Enforcement Event, shall have occurred and be continuing&#59; (iii) BBVA shall have delivered to the trustee an officer&#8217;s certificate and an opinion of counsel, each stating that such consolidation, amalgamation, merger, conveyance, transfer or lease and such supplemental indenture comply with this section and that all conditions precedent herein provided for relating to such transaction have been complied with&#59; and (iv) except where the successor entity is a holding company of BBVA or a wholly-owned subsidiary of BBVA, immediately prior to such assumption, the successor entity shall have 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 entity) assigned by Standard &#38; Poor&#8217;s Ratings Services or Moody&#8217;s Investors Service, Inc. (or their respective successors).</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">In addition, any holding company of BBVA or any wholly-owned subsidiary of BBVA may without the consent of the holders of the Preferred Securities, assume the obligations of BBVA (or of any person which shall have previously assumed the obligations of BBVA) under the Preferred Securities, provided that (i) the successor entity shall expressly assume such obligations by an amendment to the Indenture in form satisfactory to the trustee&#59; (ii) immediately after giving effect to such assumption of obligations, no Enforcement Event and no event which, after notice or lapse of time or both, would become an Enforcement Event, shall have occurred and be continuing&#59; and (iii) BBVA shall have delivered to the trustee an officer&#8217;s certificate and an opinion of counsel in such forms as are required in the Indenture.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Following any of the events described in the preceding two paragraphs, the successor entity shall succeed to, and be substituted for, and may exercise every right and power of, BBVA under the Indenture with respect to any Preferred Securities with the same effect as if such successor entity had been named as BBVA in the Indenture, and BBVA will be released from all its obligations under the Preferred Securities and Indenture and any relevant supplemental indentures. In addition, Additional Amounts under the Preferred Securities will be payable in respect of taxes imposed by the jurisdiction of incorporation or tax residence of the successor entity (subject to exceptions equivalent to those that apply to the obligation to pay Additional Amounts for taxes imposed in Spain) rather than taxes imposed by Spain. Additional Amounts with respect to payments of Distributions due prior to the date of such assumption will be payable only in respect of taxes imposed by Spain. In addition, the successor entity will also be entitled to redeem the Preferred Securities in the circumstances described 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:112%">&#8213;Redemption of the Preferred Securities&#8212;Redemption Due to a Tax Event</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; above, and to substitute or modify the terms of the Preferred Securities in the circumstances described in, and in accordance with, &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">&#8213;Substitution and Modification of the Preferred Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; above, except that if such successor entity is not incorporated or tax resident in Spain (i) references to Spain in the definition of &#8220;Tax Event&#8221; shall be deemed to refer to the successor entity&#8217;s jurisdiction of incorporation or tax residence, and (ii) the change in, or amendment to, the laws or regulations of such jurisdiction of incorporation or tax residence or of any political subdivision thereof or any authority or agency therein or thereof having power to tax, or the change in the application or binding official interpretation or administration of any such laws or regulations giving rise to a Tax Event shall become effective subsequent to the date of the relevant merger, consolidation, amalgamation, conveyance, transfer, lease or assumption, as the case may be.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Additional Amounts</font></div><div><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%">123</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">All payments of Distributions payable in respect of Preferred Securities by BBVA will be made free and clear of and without withholding or deduction for or on account of any present or future taxes, duties, assessments or governmental charges (collectively &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;) of whatever nature imposed or levied by or on behalf of Spain or any political subdivision thereof or any authority or agency therein or thereof having power to tax, unless the withholding or deduction of such taxes, duties, assessments or governmental charges is required by law. In that event, BBVA shall (to the extent such payment can be made out of Distributable Items of BBVA on the same basis as for payment of any Distribution) pay, in respect of any withholding or deduction imposed on payments of Distributions only (and not Liquidation Preference or other amount), such additional amounts (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Additional Amounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;) as will result in holders of Preferred Securities receiving such amounts as they would have received in respect of such Distributions had no such withholding or deduction been required. Notwithstanding the foregoing, the Indenture specifies certain situations for which no such Additional Amounts are payable with respect to any Preferred Security. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Except where the context requires otherwise, any reference in this summary to Distributions in respect of the Preferred Securities shall be deemed to include any Additional Amounts payable with respect thereto.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The payment of any Additional Amounts in respect of the Preferred Securities pursuant to the Indenture is also subject to the same conditions and limitations as the payment of any Distribution, including the conditions and limitations described 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:112%">&#8212;Distributions&#8212;Distributions Discretionary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;.  </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Undertakings</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">So long as any Preferred Security remains outstanding, BBVA shall, unless approved by a majority in aggregate Liquidation Preference of the Preferred Securities&#58;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(i) not make any issue, grant or distribution or take or omit to take any other action if the effect thereof would be that, on Conversion, Common Shares could not, under any applicable law then in effect, be legally issued as fully paid&#59;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(ii) if any offer is to be made to all (or as nearly as may be practicable all) Shareholders (or all (or as nearly as may be practicable all) such Shareholders other than the offeror and&#47;or any associates of the offeror) to acquire all or a majority of the issued Common Shares, or if a scheme is proposed with regard to such acquisition (other than a Newco Scheme), give notice of such offer or scheme to the holders at the same time as any notice thereof is sent to the Shareholders (or as soon as practicable thereafter) that details concerning such offer or scheme may be obtained from the specified offices of the Paying and Conversion Agent or, if BBVA is designated as the Paying and Conversion Agent, from the specified offices or the website of BBVA and, where such an offer or scheme has been recommended by the board of directors of BBVA, or where such an offer has become or been declared unconditional in all respects or such scheme has become effective, use all commercially reasonable endeavors to procure that a like offer or scheme is extended to the holders of any Common Shares issued during the period of the offer or scheme arising out of any Conversion and&#47;or to the holders&#59;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(iii) in the event of a Newco Scheme, take (or shall procure that there is taken) all necessary action to ensure that such amendments are made to the Indenture immediately after completion of the Scheme of Arrangement as are necessary to ensure that the Preferred Securities may be converted into or exchanged for ordinary shares in Newco (or depositary or other receipts or certificates representing ordinary shares of Newco) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">mutatis mutandis</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> in accordance with and subject to the Indenture and the ordinary shares of Newco are&#58;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%">      </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%">         </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">admitted to the Relevant Stock Exchange&#59; or</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%">      </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%">        </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">listed and&#47;or admitted to trading on another Recognized Stock Exchange,</font></div><div><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%">124</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">and the holders of the Preferred Securities (which, for this purpose, includes holders of a beneficial interest in the Preferred Securities) irrevocably authorize BBVA to make such amendments to the Indenture without the need for any further authorization from the holders of the Preferred Securities&#59;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(iv) issue, allot and deliver Common Shares upon Conversion subject to and as provided in the Indenture&#59;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(v) use all reasonable endeavors to ensure that its issued and outstanding Common Shares and any Common Shares issued upon Conversion will be admitted to listing and trading on the Relevant Stock Exchange or will be listed and&#47;or admitted to trading on another Recognized Stock Exchange&#59;</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(vi) at all times keep in force the relevant resolutions needed for issue, free from pre-emptive rights, sufficient authorized but unissued Common Shares to enable Conversion of the Preferred Securities, and all rights of subscription and exchange for Common Shares, to be satisfied in full&#59; and</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">(vii) where the provisions of the Indenture require or provide for a determination by an Independent Financial Adviser or a role to be performed by a Conversion Shares Depository or a Paying and Conversion Agent, use all reasonable endeavors promptly to appoint such persons for such purposes.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Governing Law</font></div><div><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Preferred Securities and the Indenture (except as set forth therein) 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, the authorization, issuance and execution by BBVA of the Preferred Securities and provisions thereof relating to the subordination of the Preferred Securities,  the waiver of the right of set-off and the agreements and acknowledgments by holders of Preferred Securities and the trustee, respectively, 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 (</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:112%">derecho com&#250;n</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">) of Spain.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Submission to Jurisdiction</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Except as provided in the immediately succeeding paragraph, BBVA will submit (for the purposes of any suit or proceeding arising out of or relating to the Preferred Securities or the Indenture) 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 which any such suit or proceeding is so instituted, and will waive, to the extent it may effectively do so, any objection it may have now or hereafter to the laying of the venue of any such suit or proceeding. </font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Notwithstanding anything to the contrary in the Preferred Securities or in the Indenture, the Spanish courts shall have exclusive jurisdiction in respect of any suit or proceeding arising out of or relating to the Preferred Securities or the Indenture 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:112%">Bail-in Dispute</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221;) and accordingly each of BBVA, the trustee, each holder and beneficial owner of any Preferred Security and each agent will submit, 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 Preferred Securities and each agent will further irrevocably waive, 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><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Agreement and Acknowledgment with Respect to the Exercise of the Spanish Bail-in Power</font></div><div><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%">125</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Notwithstanding anything to the contrary in the Preferred Securities, the Indenture or any other agreements, arrangements, or understandings between BBVA and any holder of the Preferred Securities, by its acquisition of any Preferred Securities, each holder (which, for the purposes of this section, includes each holder of a beneficial interest in the Preferred Securities) 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 Preferred Securities, 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 the Preferred Securities&#59; (b) the conversion of all, or a portion, of the Amounts Due on the Preferred Securities 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 the Preferred Securities&#59; (c) the cancellation of the Preferred Securities&#59; (d) the inclusion of a maturity date for the Preferred Securities or the amendment or alteration thereof, or the amendment of the Liquidation Preference or Distributions payable on the Preferred Securities, or the date on which Distributions become payable, including by suspending payment for a temporary period&#59; and (ii) the variation of the terms of the Preferred Securities, 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="text-indent:18pt"><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">By its acquisition of any Preferred Securities, each holder thereof acknowledges and agrees that neither a reduction or cancellation, in part or in full, of the Amounts Due on the Preferred Securities, 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 Preferred Securities, 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 Enforcement Event with respect to the Preferred Securities or under the Indenture. By its acquisition of any Preferred Securities, each holder of Preferred Securities further acknowledges and agrees that no repayment or payment of Amounts Due on the Preferred Securities 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><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">By its acquisition of any Preferred Securities, each holder of Preferred Securities, 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 Preferred Securities. Additionally, by its acquisition of any Preferred Securities, each holder of Preferred Securities acknowledges and agrees that, upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Preferred Securities&#58; (i) the trustee will not be required to take any further directions from the holders of Preferred Securities with respect to any portion of the Preferred Securities 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; provided, however, that notwithstanding the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Preferred Securities, so long as any Preferred Securities remain outstanding, there will at all times be a trustee for the Preferred Securities 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 Preferred Securities remain outstanding following the completion of the exercise of the Spanish Bail-in Power. </font></div><div><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%">126</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">By its acquisition of any Preferred Securities, each holder of Preferred Securities further agrees to be deemed to have authorized, directed and requested DTC, the European Clearing Systems and any direct participant in DTC, the European Clearing Systems or other intermediary or depositary</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:112%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">through which it holds such Preferred Securities to take any and all necessary actions, if required, to implement the exercise of the Spanish Bail-in Power with respect to the Preferred Securities as it may be imposed, without any further action or direction on the part of such holder of Preferred Securities. </font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Upon the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority with respect to the Preferred Securities, 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 Preferred Securities. BBVA will also deliver a copy of such notice to the trustee for information purposes. No failure or delay by BBVA to deliver a notice shall affect the validity or enforceability of the exercise of the Spanish Bail-in Power.</font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">By its acquisition of any Preferred Security, each holder acknowledges, accepts, consents to and agrees to be bound by (i) the exercise and effect 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 any Common Shares that may be delivered to it upon the Conversion (if any) of the Preferred Securities&#59; and (ii) the variation of the terms of such Common Shares to give effect to the exercise of the Spanish Bail-in Power by the Relevant Spanish Resolution Authority.</font></div><div><font><br></font></div><div style="text-indent:12.25pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:112%">Subsequent Holders&#8217; Agreement</font></div><div><font><br></font></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Holders of any Preferred Securities that acquire such Preferred Securities 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 Preferred Securities upon their initial issuance, including, without limitation, with respect to Conversion and the acknowledgment and agreement to be bound by and consent to the terms of the Preferred Securities 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:112%">Agreement and Acknowledgment with Respect to the Exercise of the Spanish Bail-in Power&#8221;.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The Indenture provides that the foregoing agreement and acknowledgment regarding the Spanish Bail-in Power is governed by Spanish law and that any Bail-in Dispute is subject to the exclusive jurisdiction of the Spanish courts.</font></div><div><font><br></font></div><div style="text-indent:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">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:112%">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:112%">&#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:112%">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:112%">&#8221; in our Annual Report.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Purchases of the Preferred Securities</font></div><div><font><br></font></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BBVA or any member of the BBVA Group or any other legal entity acting on behalf of BBVA may purchase or otherwise acquire any of the outstanding Preferred Securities 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. Upon their acquisition, such Preferred Securities will immediately cease to be deemed &#8220;outstanding&#8221; under the Indenture and must be surrendered to the trustee for their cancellation.</font></div><div><font><br></font></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Notwithstanding any other provision of the Indenture and subject to compliance with the provisions of any applicable law (including the Spanish Companies Act and the Applicable Banking Regulations), BBVA and&#47;or any member of the BBVA Group may exercise such rights as BBVA and&#47;or such member of the BBVA Group may from time to time possess to purchase or redeem or buy back any of BBVA&#8217;s shares (including Common Shares) or any depositary or other receipts or certificates representing the same without the consent of the holders.</font></div><div><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%">127</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:10pt;margin-top:10pt;text-indent:36pt"><font><br></font></div></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Maintenance of Tax Procedures</font></div><div><font><br></font></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">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 under the Preferred Securities, and set 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:112%">income</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#8221; means, with respect to a Distribution Payment Date, the aggregate Distribution paid on a Distribution Payment Date or, with respect to a redemption date, the amount of the difference, if any, between the aggregate Redemption Price paid upon the redemption of the Preferred Securities (or a portion thereof) and the aggregate Liquidation Preference of such Preferred Securities, provided that such difference corresponds to a Distribution paid by BBVA.</font></div><div><font><br></font></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">If the Paying Agent fails to deliver a duly executed and completed Payment Statement on a timely basis, in respect of a Distribution Payment Date or in connection with a redemption date, 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><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Notices</font></div><div><font><br></font></div><div style="text-indent:24.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">All notices to holders of Preferred Securities 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 Preferred Securities are in global form, any notice given to the holder of a Preferred Security 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><font><br></font></div><div><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%">128</font></div></div></div></body></html>
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<DESCRIPTION>EX-11.1
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<title>Document</title></head><body><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_36"></div><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Exhibit 11.1</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:10pt;font-weight:700;line-height:112%">General Policy on Conduct in the Securities Markets</font></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_219"></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:28.5pt">Introduction</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">BBVA Group is an international bank operating in several countries and encompassing a broad spectrum of cultures and regulations.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">A range of objectives and values must be accommodated within this spectrum that are common to the entire financial community. The BBVA Group has adopted these as its own, deeming them to comprise a minimum base on which to maintain the professional ethics of a financial institution.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">All those who are members of the BBVA Group must behave with integrity and responsibility, respecting applicable laws and regulations, with the prudence, transparency in business dealings and professionalism that correspond to the social impact of financial activity and the trust placed in the Group by customers and shareholders.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">The Code of Conduct establishes the behavioural guidelines that we must follow in order to bring our conduct into line with the BBVA Group's values which define our identity and mark the attitudes that, applied on a daily basis by all those who work in the Group, enable us to make our Purpose a reality&#58; to bring the age of opportunity to everyone.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">This Policy is inspired by the Group's values and strategic priorities, which place integrity at the heart of all its activities as a fundamental element of the Group's corporate culture.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.6.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">Among the behaviours that form part of the Group's values is that of always acting honestly, in accordance with the law, the rules and BBVA's policies (&#34;We have integrity&#34;), which includes the need to establish general guidelines for action to preserve the integrity of the markets, as well as standards aimed at preventing market abuse and guaranteeing transparency and competition in the markets.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.7.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">This Policy, which applies to all BBVA Group employees, develops more specifically the conduct that must be observed in the securities markets, establishing the minimum standards to be respected in the prevention of market abuse, in relation to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> in the area of market abuse and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> by persons within the BBVA Group. Its scope is therefore global and independent of the specific jurisdiction where the entity that carries out its activities in the markets is located.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.8.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">In this regard, in each jurisdiction where the BBVA Group is present and carries out activities related to securities markets, this Policy must be complemented by a standard for this area (a Code or Internal Standards of Conduct), which will emanate from the Policy itself. This standard, inspired by the principles of the Policy which are configured as minimum standards of conduct, must develop them more specifically, adjusting them, where necessary, to the legal requirements of each jurisdiction. In no case shall the content of this Policy violate the applicable 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:10pt;font-weight:400;line-height:112%">1.9.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">Chapters 4 to 9 of the Policy contain general guidelines applicable to the conduct of all persons professionally linked to BBVA. Chapter 10 also includes more specific principles and criteria that will only apply under the terms and conditions specified in the local Code or Internal Standards of Conduct (ISC) and exclusively to those persons whose role or position in the BBVA Group makes them formally subject to said principles and conditions.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.10.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">The content of this Policy shall prevail over any internal standards that may contradict it, except when said standards establish more stringent requirements for conduct.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.11.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">Any doubts about how to interpret the Policy contents or that refer to how to resolve situations not specifically described herein, should be clarified by the Compliance unit.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.12.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">In addition, it should be noted that a number of circumstances have changed the financial landscape over recent years. The increase of abusive conduct in the markets, technological changes and developments in the trading of financial instruments or other assets, as well as the emergence of new markets and products, have made it necessary to adapt this Policy to new situations such as the consolidation of remote working or the expansion of crypto-assets as an investment object. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">1.13.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">As a result of its commitment to integrity and market transparency, the BBVA Group has updated this Policy to bring it into line with current legislation, best market practices and the Group's internal regulatory framework.</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_204"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:28.5pt">Purpose and scope of application</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:21pt">Purpose</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">2.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The Policy defines and sets out the principles and provisions to prevent market abuse and is the pillar of the Group's market abuse programme. The Policy develops more specifically the principles of conduct in the securities markets, establishing the minimum standards to be respected in relation to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> in the area of market abuse and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> by the people who make up the BBVA Group.</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:21pt">Scope of application</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">2.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">This Policy shall apply to BBVA and to the companies that constitute the BBVA Group for the purposes of prudential consolidation and over which the Bank has management control (hereinafter, the Bank and all of them jointly, the &#34;Entities Affected&#34;) and, consequently, to all its members, including employees, senior management and members of its governing bodies with the specialties indicated herein for the latter (hereinafter, &#34;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#34;).</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">2.2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The scope of this Policy may be extended to entities (and consequently, their relevant persons) that do not belong to BBVA Group but provide investment services or engage in activities on securities markets in the name or on account of the Group (e.g. agents or providers of outsourced-services).</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">2.2.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In addition, the provisions contained in this Policy shall apply to those financial instruments or other assets listed in this section, (hereinafter Securities </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Affected</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:112%;position:relative;top:-3.5pt;vertical-align:baseline">1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">2.2.3.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">This includes, but is not limited to, those financial instruments or other assets which are traded on a regulated market or other trading venues which, from time to time, fall within the scope of the applicable securities markets legislation, such as shares and bonds, as well as derivatives thereof, including options, futures, swaps, forward rate agreements and other derivative financial instrument contracts relating to securities, currencies, interest rates, commodities, emission allowances, weather variables, inflation rates or other official economic statistics, or crypto-assets (including those that are in the nature of financial instruments under applicable local law as well as crypto-assets as defined in section 2.2.3.2. below) that may be settled in cash, in kind or by physical delivery. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">2.2.3.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Likewise, crypto-assets which, due to their characteristics and nature, are susceptible to investment shall be understood to be included within the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Securities Affected</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, a crypto-asset being understood to be the digital representation of a right, asset or security that can be transferred or stored electronically, using distributed registration technologies or other similar technology.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><font><br></font></div><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:198pt"></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Notwithstanding the possibility for the Compliance Department, for justified reasons, to include other instruments or assets in the concept of Securities Affected  or to exclude from the concept of Securities Affected some of those mentioned in this Policy.</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_189"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:28.5pt">General Principles</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">3.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">BBVA conducts its business on the basis of the principles of&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">Integrity</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">Prudence in risk management.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">Transparency.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">Achievement of a profitable and sustainable business in the long term.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">Compliance with applicable legislation at all times.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">3.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">In addition, within the scope of application of this Policy, BBVA develops more specifically the behaviors that must be observed in the securities markets and establishes the minimum standards to be respected in the prevention of market abuse, the general principles of which are as follows&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">The prohibition to prepare, carry out or attempt to carry out transactions with</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%"> Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, as well as the prohibition to unlawfully communicate </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> to third parties and to recommend or attempt to recommend to a third party to acquire or dispose of securities or to cause others to acquire securities or to cancel or modify orders already given on the basis of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">The prohibition of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">The identification, prevention and management of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> that may generate a risk of market abuse.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">The actions of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> in their own account trading in the securities markets in compliance with the provisions of this Policy.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">3.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">These principles will inspire the Internal Regulations emanating from this Policy.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">3.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">To this end, the principles are, in turn, specified in the provisions contained in this Policy, which refer to&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">Provisions on the management of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, which establish its concept, the prohibitions on its use, the obligations of those </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> who have </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, the measures for the control of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, the exceptions that enable its use, as well as a reference to special activities.</font></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9632;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.96pt">Provisions on the prohibition of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, which set out the activities and conduct that constitute </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, as well as the exceptions and accepted practices.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><font><br></font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_174"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%;padding-left:28.5pt">Inside Information</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">4.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%;padding-left:21pt">Definition of Inside Information</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">For the purposes of this Policy any information that meets the following requirements is considered to be </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, except where the applicable legislation establishes more stringent requirements&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Of precise nature.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">That has not been made public.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.1.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">That refers directly or indirectly to one or more issuers or one or more financial instruments or their derivatives</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.1.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">That if it were made public, would be likely to have a significant effect on the price of these instruments or the derivative instruments related to them.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Information on derivative financial instruments related to commodities is considered </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> when it meets the following requirements&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Of a precise nature.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">That has not been made public.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.2.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">That refers directly or indirectly to one or more of these derivative financial instruments or directly to a spot contract on commodities related to them.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.2.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">That if it were made public, would be likely to have a significant effect on the prices of these derivative instruments or spot commodity contracts related to them, provided that it is information that could reasonably be expected to be made public or that has to be made public</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">With respect to emission allowances or auctioned products based on these rights, it is information of a specific nature that has not been made public, that refers directly or indirectly to one or more of these financial instruments, and that if it were made public, could significantly influence the price of these instruments or derivative financial instruments related to them.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Without prejudice to the foregoing sections, and by way of clarification but not limitation, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">often affects the following&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">A company&#8217;s profit and loss account.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Extraordinary changes to the company&#8217;s profit and loss account or changes to earnings guidance which has been made public.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Transactions that may be carried out by the company, e.g. capital increases or securities issues.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Significant mergers or acquisitions.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Circumstances which could lead to litigation, disputes or sanctions which may have a significant effect on the expected results.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.6.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Decisions taken by the authorities prior to these being made public.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.7.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Information on significant orders to purchase or sell specific securities.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.8.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Agreements on treasury stock policy, implementation of buy-back programmes or securities stabilisation measures.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.4.9.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Other facts or similar situations.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">With respect to persons in charge of executing orders related to negotiable securities or financial instruments, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> shall also be considered as any information supplied by customers in connection with their own pending orders in compliance with the requirements of paragraphs 4.1.1 to 4.1.3.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.1.6.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Information shall cease to be considered </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> when it is made public through the mechanisms provided for under applicable local law or when it loses its relevance and, therefore, the possibility of influencing the price of the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Securities Affected</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4</font></div></div></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">4.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%;padding-left:21pt">Prohibitions</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In order to foster the integrity and transparency of markets, any person who has </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> and knows, or should know, that it was information of this type, is prohibited from carrying out the following actions&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.2.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%;padding-left:6pt">Engage or attempt to engage in insider dealing </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">on those securities or financial instruments to which the Inside Information directly or indirectly refers, or on any other security, financial instrument or contract of any kind, whether or not negotiable on any secondary market, that has underlying negotiable securities or financial instruments, to which the information is related. It is also prohibited to cancel or modify an order that has been issued before knowledge of the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.2.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%;padding-left:6pt">Disclose Inside Information to third parties</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, except&#58; (a) in the normal exercise of one&#8217;s work, profession or position&#59; or (b) in the case of accepted exceptions by current legislation, such as the case of a market sounding, through which information is provided to potential investors in a transaction, in compliance with legally established requirements.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.2.1.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%;padding-left:6pt">Recommend or attempt to recommend a third party</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> to acquire or assign securities or financial instruments, or make others acquire them, or cancel or modify orders already issued based on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">4.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Obligations</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.3.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Any person who has any </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> due to their functions in BBVA Group shall be subject to the following duties to prevent it being used abusively or unfairly&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.3.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:6pt">Notify the disposal of the Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> to the corresponding Compliance unit as soon as possible.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.3.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:6pt">Use Inside Information only for the purposes of the transaction</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> or functions for whose operation or development it has been transmitted.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.3.1.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:6pt">Safeguard Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, adopting the appropriate measures developed in the section 5.3 to prevent its abusive or unfair use, without detriment to the duty to communicate and collaborate with the administrative or judicial authorities envisaged in the applicable regulations.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">4.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Exceptions</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.4.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The mere possession of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> does not mean that that person has unlawfully used it.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.4.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">There are a number of exceptions that allow the use or communication of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, in certain circumstances&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">4.4.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:6pt">Legitimate behaviours&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.4.2.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">Act either as a market maker, a person authorized to act as a counterparty or one authorized to execute orders on account of third parties&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.4.2.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">Carry out a transaction to acquire, transmit or assign financial instruments, and this transaction is carried out in good faith in compliance with a -due obligation, and when this obligation derives from an order given or in compliance with a legal provision&#59; </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.4.2.1.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">Having obtained such </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> in the course of a takeover bid or merger with a company and using such </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">for the sole purpose of carrying out the transaction, provided that at the time of the approval of the merger or acceptance of the bid by the shareholders of the company concerned any </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> has become public or has ceased to be </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">4.4.2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:6pt">Market soundings&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.4.2.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">In addition, there are situations in which, subject to compliance with the requirements set out in the applicable regulations in force, communication of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> is permitted. This is the case of market soundings, in which there may be a communication of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> prior to the announcement of a transaction, by an issuer, a secondary offeror of a financial instrument, and emission allowance participant, or a third party acting on behalf the aforementioned persons, for one or more potential investors, before the announcement of a transaction, to assess their interest in the said transaction.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">4.4.2.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:6pt">Exemption for buy-back programmes and stabilization measures&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.4.2.3.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">Finally, the prohibitions mentioned in paragraph 4.2.1 above shall not apply to trading in own shares in buy-back programmes, or to trading in securities or associated instruments for the stabilisation of securities in the </font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">circumstances provided for by the regulation on market abuse. These activities are regulated by specific rules in each jurisdiction.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">4.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Special activities</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.5.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%;padding-left:13.5pt">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> who engage in or are in any way involved in activities such as the stabilization of securities in public offerings, the execution of liquidity contracts on the issuer&#8217;s own shares, market soundings, financial analysis, the issuance or dissemination of investment recommendations, discretionary treasury stock trading, activities relating to financial benchmarks - such as their administration, design, use or contribution to them - or trading in own shares and securities lending, should take into account that there may be additional rules and specific internal regulation that apply to them.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">4.5.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In these cases, the Compliance unit or another unit appointed to do so shall communicate directly to such persons the internal regulations that apply to them.</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_159"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:28.5pt">Control of Information</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">5.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Objectives of the control of information and information barriers</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Every BBVA Group entity must establish the necessary measures in order to&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.1.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Prevent uncontrolled flow of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> between different Areas or Units of the BBVA Group.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.1.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Ensure that decisions related to the Securities Markets are made autonomously within each Area or Unit.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.1.1.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Control occurrence and existence of potential </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interests</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> in the area of market abuse.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In order to achieve the above objectives, where applicable, a series of mitigation measures and procedures called Information Barriers shall be established, as described below.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">5.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%;padding-left:21pt">Separate Areas</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%"> and other group areas</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%;padding-left:13.5pt">Separate Areas</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> or restricted areas of activity shall be established for each of the employees, Units and&#47;or Areas of the BBVA Group where own portfolio management, third-party portfolio management, financial analysis, investment banking, brokerage in negotiable securities and financial instruments, contribution to financial indices, and any other areas that have access to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> with a certain frequency, are carried out.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%;padding-left:13.5pt">The status of a Separate Area </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">implies the establishment of stricter Information Barriers between each </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Separate Area</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> and the rest of the organization and between each of the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Separate Areas</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, which shall in all cases include measures of physical separation and&#47;or procedural controls specifically designed to ensure the compliance of the objectives indicated in paragraph 5.1.1 above.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">5.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">General measures for the protection of Information</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In addition to the general duty of confidentiality applicable to non public information that </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> access in pursuit of their duties or position, any </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> who has access to Inside Information must safeguard it, ensuring its appropriate protection and avoiding inappropriate access to persons who, although belonging to the same Area or Unit, should not access it.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In this regard, at least the following measures shall be established at area or unit level&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">A location and identification procedure of the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Securities Affected</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> in respect of which it is in possession of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> and all persons in possession of such information. The corresponding Compliance unit shall use these to maintain Lists of Prohibited Securities and Insiders.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Security measures to ensure that the hardware containing the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> (papers, files, digital storage formats, etc.) is not open to uncontrolled access by outsiders.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Measures aimed at limiting the knowledge of projects and operations containing </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> strictly to those persons, internal or external to the organization, which is indispensable for proper implementation of the project, denying access to any person that should not know such information in the pursuit of their duties.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">In this area, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> shall take into account the following special measures&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.4.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">No aspect of the projects or transactions that contain </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> may be commented upon in public places or in those areas where there is a risk of being overheard by persons who should not know this information.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.4.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">Conference rooms must be checked before and after meetings to ensure that no documents containing confidential information remain behind.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.4.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">Extreme caution must be taken when using unprotected media, e.g. mobile phones, unrestricted shared network resources or email. In particular, information must not be sent to terminals that are unmanned at time of sending or to which outsiders could have access.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.4.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">Insofar as possible, temporary staff should not have access to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.4.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:34.5pt">When communicating with a person who is part of a </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Separate Area</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, they shall do so following those guidelines and procedures established in internal regulations in order to control the flow of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</font></div></div></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.3.2.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">The safeguard measures mentioned in the previous sections shall be applicable regardless of the type of work -office, corporate workplace, remote work, etc.- established at any given time, adapting and assimilating them to the environment in which the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> to such measures performs his or her duties or functions at BBVA.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">5.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Additional measures to control Information</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">5.4.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The Internal Standards of Conduct on the Securities Markets in each jurisdiction shall outline specific measures to follow at all times for the purposes of ensuring a controlled flow of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> and independent decision-making related to the provision of investment services or the performance of activities in the field of investment markets of listed securities.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><font><br></font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_144"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:112%">6.</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%;padding-left:27.67pt">Market Manipulation</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">6.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Introduction</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%;padding-left:13.5pt">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> undermines the confidence of participants in the markets and their proper operation. Avoiding </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> is an indispensable requirement in the BBVA Group, as part of its commitment to foster integrity and transparency in the markets in which it operates. All </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> are bound to refrain from engaging in such practices.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%;padding-left:13.5pt">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> includes the following activities and behaviours&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">6.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Prohibited activities</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Entering or attempt to entering into a transaction, placing an order to trade or any other conducts which&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.2.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Gives, or is likely to give, false or misleading signals as to the supply of, demand for, or price of, a financial instrument, a related spot commodity contract or an auctioned product based on emission allowances&#59; or</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.2.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">Secures, or is likely to secure, the price of one or several financial instruments, a related spot commodity contract or an auctioned product based on emission allowances.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Entering into a transaction, placing an order to trade or any other activity or behaviour which affects or is likely to affect the price of one or several financial instruments, a related spot commodity contract or an auctioned product based on emission allowances, which employs a fictitious device or any other form of deception or contrivance&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.2.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Disseminating information through the media, social media, internet or by any other means, which gives, or is likely to give, false or misleading signals as to the supply of, demand for, or price of, a financial instrument, a related spot commodity contract or an auctioned product based on emission allowances or secures, or is likely to secure, the price of one or several financial instruments, a related spot commodity contract or an auctioned product based on emission allowances, including the spread of rumours, where the person who made the spread knows or may know that that information is false or misleading.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.2.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Transmitting false or misleading information or providing false or misleading inputs in relation to a benchmark where the person who made the transmission or provided the input knew or ought to have known that it was false or misleading, or any other behaviour which manipulates the calculation of a benchmark.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">6.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Prohibited behaviours</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.3.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The conduct by a person, or persons acting in collaboration, to secure a dominant position over the supply of or demand for a financial instrument, related spot commodity contracts or auctioned products based on emission allowances which has, or is likely to have, the effect of fixing, directly or indirectly, purchase or sale prices or creates, or is likely to create, other unfair trading conditions.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.3.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The buying or selling of financial instruments, at the opening or closing of the market, which has or is likely to have the effect of misleading investors acting on the basis of the prices displayed, including the opening or closing prices&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.3.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The placing of orders on a trading venue, including the cancellation or modification of orders, through any available trading methods, including electronic means, such as algorithmic and high-frequency trading strategies that&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.3.3.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">disrupts or delays the operation of the trading facility used on the trading venue, or makes it more likely to do so, </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.3.3.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">makes it difficult or more likely to make it difficult for others to identify genuine orders on the trading venue's trading facility, in particular by entering orders that result in overloading or destabilising the order book, or </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.3.3.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:6pt">creates, or is likely to create, a false or misleading signal about the supply and demand or the price of a financial instrument, in particular by issuing orders to initiate or exacerbate a trend&#59;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.3.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Taking advantage of occasional or regular access to traditional or electronic media, including social media, to express an opinion or disseminate an investment recommendation on a financial instrument, related spot commodity contract or auctioned emission allowance-based product (or, indirectly, on the issuer thereof) after having taken positions in that instrument, contract or auctioned emission allowance-based product, and then to take advantage of the effects that the views expressed have on the price of that instrument, contract or auctioned emission allowance-based product, without having simultaneously disclosed the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflict of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> to the public in an adequate and effective manner&#59;</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</font></div></div></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.3.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The buying or selling on the secondary market of emission allowances or related derivatives prior to the auction held with the effect of fixing the auction clearing price for the auctioned products at an abnormal or artificial level or misleading bidders bidding in the auctions.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">6.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Exceptions and accepted practices</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.4.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%;padding-left:13.5pt">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> is a prohibited practice. However, there are a number of exceptions to this prohibition and accepted practices by the law applicable in each jurisdiction.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.4.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In order to avoid unintentionally prohibiting legitimate forms of financial activity, i.e. where there is no market abuse, it is necessary to recognise certain legitimate conduct. This may include, for example, recognising the role of market makers when acting in their legitimate capacity to provide liquidity to the market, or the execution of buy-back programmes and the stabilisation of securities in public offerings, or discretionary trading of treasury stock, among other exceptions.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.4.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In addition to the above exceptions, there are certain accepted market practices, for example, liquidity contracts, which are those where the person executing the transaction, giving the order to trade or otherwise engaging in conduct demonstrates that the reasons for the transaction, order or conduct are legitimate and that it is in accordance with accepted market practices. </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> engaging in accepted market practices shall be governed by the criteria established by the competent authorities in each jurisdiction.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">6.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Special activities</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.5.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%;padding-left:13.5pt">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> who carry out or are in any way involved in activities such as the execution of repurchase programmes, the stabilisation of securities in public offerings, the execution of liquidity contracts on an issuer's own shares, financial analysis, the issuance or dissemination of investment recommendations, discretionary trading of treasury stock or trading in own shares and securities lending, or activities relating to financial benchmarks -such as their administration, design, use or contribution to them-, among others, should take into account that there may be additional rules and specific internal regulation that apply to them.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.5.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In these cases, the Compliance unit, or another appointed to do so, shall directly notify said persons of the specific rules that are applicable.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">6.6.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Restricted securities</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.6.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">BBVA's participation in certain projects sometimes entails, especially in the area of investment banking services (public offerings, mergers and acquisitions, financing projects, etc.), the imposition of certain additional restrictions to those described in the previous points, which may limit the activity of different areas or units of the Group in relation to certain marketable securities or financial instruments. These restrictions have their origin in regulatory requirements or commitments assumed by the Group of a contractual or similar nature and their objective is none other than to prevent market abuse.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.6.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">BBVA has an internal procedure for restricted securities that establishes which projects require the application of restrictions, and whose purpose is to reinforce the BBVA Group's information barriers, mitigate real or perceived </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> in the area of market abuse, prevent transactions that may pose a risk to the BBVA Group's reputation, and comply with current regulations. The Head of the area or unit that carries out projects in line with those established in said procedure, and which therefore require the implementation of restrictions within the Group, must inform the Compliance unit of such projects, as established in the Global Restricted Securities List Procedure.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">6.6.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">These restrictions may therefore entail limitations on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> for certain groups, as well as limitations on the activities carried out by employees within the Bank in each of the jurisdictions affected, and it is the responsibility of the Compliance unit to establish them in each case, with the participation of the Heads of the areas or units, when required, in order to identify the employees who carry out the activities that may be limited in each case.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><font><br></font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_129"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">7.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%;padding-left:28.5pt">Conflicts of Interest</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">7.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Concept</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">7.1.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">In accordance with the Group's </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">General Conflicts of Interests Policy</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, a &#34;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflict of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#34; shall be considered to be a situation in which an Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:112%;position:relative;top:-3.5pt;vertical-align:baseline">2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, acting personally or on behalf of the Affected Entity, has two conflicting interests that may adversely affect the performance of his or her duties and responsibilities with respect to the BBVA Group. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">7.1.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The purpose of this Chapter is to develop the principles set out in the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">General Conflicts of Interest Policy</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> regarding the prevention of market abuse. The multiple range of activities that the Group carries out simultaneously in the securities markets, as well as the different family, economic, professional or any other type of relationships of the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, generate the possibility that, under certain circumstances, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> may arise that may materialise in a risk of market abuse.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">7.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Identification, prevention and management of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Conflicts of Interest</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">7.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The variety of activities and functions carried out in the sphere of securities markets within the BBVA Group means that under certain circumstances </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> may arise between different areas of the BBVA Group itself, as well as between customers and the BBVA Group itself, including its managers, employees, agents or persons directly or indirectly linked to it by a relationship of control, which may give rise to a risk of market abuse.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">7.2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Within each Area or Unit, all activities related to securities market operations that may give rise to the appearance of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> deriving in a risk of market abuse shall be identified for their proper management and mitigation, including activities such as the stabilisation of securities in public offerings, the execution of repurchase programmes, the execution of liquidity contracts on an issuer's own shares, market research, financial analysis, the issuance or dissemination of investment recommendations, discretionary trading of treasury shares, activities related to financial benchmarks -such as their administration, design, use or contribution to them- or trading in own shares and securities lending.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">7.2.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">When necessary and in order to ensure that decisions are taken autonomously within each Area or Unit and to prevent the appearance of potential </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, certain mitigating measures shall be adopted, including the implementation of information barriers, the establishment of organisational and remuneration measures or other measures aimed at preventing the improper exchange of information between persons, Areas or Units involved in activities entailing a significant risk of market abuse. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">7.2.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The management and mitigation of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> that may arise in the performance of the activities mentioned in the present section, as well as other areas that may generate a risk of market abuse, will be developed through specific internal regulations established to regulate each activity. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">7.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:21pt">Statement of potential </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Conflicts of Interest</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">7.3.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">All </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">must report to their hierarchical superior and to the Compliance unit , as soon as it is perceived and prior to the execution of the transaction or conclusion of the business, any situation or circumstance that entails, or may entail, the appearance of a potential </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflict of Interest </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">related to the securities markets, which could generate a potential risk of market abuse and which could therefore compromise their professional objectivity.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">7.3.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">The situations indicated in the previous paragraph may include, for example, the economic and family ties of the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><font><br></font></div><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:198pt"></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> For the purposes of the General Policy on Conflicts of Interest, an Involved Person is considered to be &#34;all members of the Affected Entities, including employees, senior managers and members of their management bodies&#34;, and therefore all Persons Subject by this Policy are included in this group.</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_111"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">8.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:28.5pt">Definition of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Own-Account Trading</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">8.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%;padding-left:21pt">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> refers to transactions over </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Securities Affected</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> undertaken by or on behalf of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, outside the scope of their activities by virtue of their tasks within the BBVA Group, as well as those transactions carried out by the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> on behalf of their </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Related Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">8.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">The following are </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Related Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">8.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Persons in a family relationship&#58; Those natural persons inside and outside the family circle, in respect of whose assets they have powers of management, either by virtue of a legal rule or by virtue of a contract.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">8.2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Persons with whom the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> has close links&#58; Those legal persons controlled by the person himself or by his </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Related Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">8.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">Consequently, and without prejudice to what may be established by local legislation, the following shall be considered as </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Related Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, at least&#58; the spouse or any person united to the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> by a relationship of analogous affectivity, the children or stepchildren, minors or adults, who are economically dependent on the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, any other family member with whom the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> has lived for at least one year, persons whose relationship is such that they have a significant direct or indirect interest direct or indirect, significant interest in the result of the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">'s </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:112%;position:relative;top:-3.5pt;vertical-align:baseline">3</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, the companies effectively controlled by the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> and&#47;or any of their </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Related Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> and any other natural or legal person on whose behalf the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> carries out transactions in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Securities Affected</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><font><br></font></div><div style="border-bottom:1pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:198pt"></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> No interest shall be deemed to exist for the mere collection of fees or commissions due for the execution of such transactions.</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_96"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">9.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:28.5pt">General restrictions applicable to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Own-Account Trading</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">9.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">To ensure that the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> are in accordance with applicable legal regulations and to promote transparency in the markets and to preserve, at all times, the interests of investors, the following performance principles are set out which must be followed by all </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">when purchasing and&#47;or selling securities to their own account.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">9.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%;padding-left:21pt">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> shall not carry out </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> in</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%"> Securities Affected&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">9.2.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">That involves improper use of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> under the provisions stipulated in section 4.2.1.1 of this Policy.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">9.2.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">Involving the preparation or performance of practices that constitute </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Market Manipulation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, under the terms provided for in the applicable regulations and this Policy.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">9.2.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">That involves improper use or disclosure of Confidential Information.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">9.2.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:13.5pt">That enter or may enter into conflict with an obligation of the entity under current legislation on the securities market.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">9.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">They must also refrain from advising, recommending or assisting another person, regardless of the normal performance of their work to carry out a transaction with</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%"> Securities Affected</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> that, if it were an </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, would be prohibited in accordance with what is established in paragraph 9.2 above.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">9.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:21pt">Except in the normal course of their work, they must refrain from communicating any information or opinion to third persons where it is suspected that, as a result of such information, the third person in question could perform or advise or assist another person to perform any of the actions described in the previous paragraph.</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_81"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:112%">10.</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:22.11pt">Restrictions applicable to </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:112%"> by certain </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:112%"> specifically subject to Internal Standards on Conduct in Securities Markets</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">10.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">Within the Group&#8217;s entities, the group of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> who, because of their position or role, carry out activities related to the Securities Market shall be specifically subject to Internal Standards of Conduct approved by each jurisdiction (hereinafter </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Persons Subject</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">).</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">10.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">Among other matters, this group of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Persons Subject</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> shall be subject, at least, to the additional restrictions mentioned below, as well as to any other restrictions contained in the Internal Standards of Conduct applicable to them or its implementing regulations.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">10.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">The </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Related Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> of the Members of the Boards of Directors of the Entities Subject and Senior Management members shall be subject to the same restrictions that apply to the Person Subject. The Compliance unit may determine that the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Related Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> of other groups of the </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Persons Subject</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> are also subject to the same restrictions that apply to the Person Subject, with prior notification to the affected </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Persons Subject</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">10.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">The following are general restrictions that all Internal Standards of Conduct on the Securities Markets in BBVA Group should contain&#58;</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">10.4.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:8.5pt">Continuously maintain their respective Compliance unit informed of any </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> made on those </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Securities Affected</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> that have been identified.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">10.4.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:8.5pt">Maintain in their portfolio, prior to disposal or cancellation, the BBVA securities or derivative instruments whose underlying security is BBVA for a minimum period of twenty stock-exchange trading sessions</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">10.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">The Internal Standards of Conduct shall describe the additional restrictions of a special nature (prior notification or authorisation of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Own-Account Trading</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, minimum holding periods, restrictions on BBVA Group securities in limited periods prior to the publication of financial statements, etc.) that may be imposed on certain groups of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Persons Subject</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><font><br></font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14</font></div></div></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_66"></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">11.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;padding-left:23.5pt">Governance and monitoring model </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">This Policy was approved by the BBVA Board of Directors on 28 July 2022, following analysis by the Risks and Compliance Committee, and will come into force on 30 September 2022. This Policy will be applicable until the Board of Directors agrees to amend it or approve a new one to replace it.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">The Policy has been drafted and coordinated by the Global Compliance unit with the collaboration of the local Compliance units, Legal Services and the General Secretary's Office within the scope of their respective competences.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">The person responsible for the global area of Regulation &#38; Internal Control will be responsible for this Policy at the executive level. As such, he or she will be charged with submitting the Policy for approval, publishing it and promoting awareness of it on the part of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> to it, and, where appropriate, extending it to the applicable subsidiaries within the </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">BBVA Group. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">The person responsible for the Policy will know its degree of application, based on the information provided by those responsible for the areas to which it applies, and will adopt any necessary measures in the event it is not being applied properly, reporting this accordingly.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">For their part, those responsible for the areas affected by the Policy will provide, in their respective areas of responsibility and where appropriate, sufficient means, systems and organisation to facilitate its compliance. </font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.6.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">In order to comply with the obligations to detect and report suspicious transactions of market abuse to the competent authorities to which the Group is subject in accordance with the regulations in force, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> must cooperate with Compliance, providing the information required to them in the framework of an investigation process, as well as guaranteeing the confidentiality of the process. In this regard, Compliance shall be responsible for providing the necessary guidelines to those </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> whose collaboration is required, as well as for resolving any doubts that may arise during the investigation process.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.7.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">The degree of compliance with this Policy and the development thereof will be monitored in accordance with the Internal Control Model. The various control functions of the BBVA Group will cooperate actively and regularly in the supervision of the application of this Policy, in accordance with the powers vested in them.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.8.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">The Board of Directors, as the Company's highest supervisory body, shall supervise the application of the Policy, either directly or through the Risks and Compliance Committee, on the basis of the periodic or ad hoc reports received from the heads of the Compliance unit of the Regulation and Internal Control area, from the Internal Audit area and, where appropriate, from the heads of the different control functions existing in BBVA.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.9.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:16pt">At least once a year, or upon the occurrence of any event requiring changes to this Policy, the Global Compliance unit shall review it and submit for the consideration of the Bank's corporate bodies such updates and amendments as may be deemed necessary or advisable from time to time.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.10.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11pt">Any failure to comply with the provisions of this Policy or other Internal Regulations that develop it may lead, in the case of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, to the initiation of disciplinary proceedings and even to the termination of the employment or commercial relationship, in accordance with applicable legislation.</font></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">11.11.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11pt">Any persons having knowledge, an indication or a suspicion of an action or situation related to the Company which, although not within the scope of their responsibility, may contravene this Policy, the Internal Regulations implementing the same or established values and guidelines must communicate such matter through the appropriate channels, which include, in all cases, the Whistleblowing Channel as per the steps specified in the Code of Conduct.</font></div><div id="i5eeaf7097dc5411db22cf5bf0bfa0de5_51"></div><div style="margin-bottom:10pt;margin-top:10pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Glossary</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">BBVA, the Company or the Bank</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#58; Banco Bilbao Vizcaya Argentaria, S.A., as the parent company of the BBVA Group.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">BBVA Group</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#58; An international financial group comprised of BBVA, as the parent company, and other legally distinct companies and branches, principally dedicated to the performance of banking activities and other activities directly or indirectly related thereto.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Conflicts of Interest&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">a &#34;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflict of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#34; is a situation in which an </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Person</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, acting personally or on behalf of the Affected Entity, has two conflicting interests that may adversely affect the performance of his or her duties and responsibilities with respect to the BBVA Group. </font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</font></div></div></div><hr style="page-break-after:always"><div style="min-height:63pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Entity Subject</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#58; BBVA and all companies that form part of the BBVA Group for purposes of prudential consolidation and with respect to which the Bank exercises control over management, which are within the scope of application of this Policy.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Information Barriers&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">A series of mitigation measures and procedures aimed at&#58; i) preventing the uncontrolled flow of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> between the different Areas or Units that make up the BBVA Group&#59; ii) ensuring that decisions to be adopted in the Securities Markets are taken autonomously within each Area or Unit&#59; and iii) controlling the appearance and existence of potential </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Conflicts of Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> in the area of market abuse.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Inside Information&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> is considered to be any information that meets the following requirements, unless applicable law establishes more stringent requirements&#58; (i) it is of a precise nature&#59; (ii) it has not been made public&#59; (iii) it relates, directly or indirectly, to one or more issuers or to one or more financial instruments or derivatives thereof&#59; and (iv) if made public, it could have a significant effect on the prices of such instruments or related derivative instruments.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Internal Standards of Conduct&#58;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> Standard (Code or Internal Standards of Conduct) that emanates from the Policy and that more specifically develops the principles set out in the Policy, conforming to the legal requirements of the jurisdiction where appropriate.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Involved Person&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">all members of BBVA and of the companies that make up the BBVA Group for the purposes of prudential consolidation and over which the Bank has management control, including employees, senior management and members of its governing bodies.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Market Manipulation&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Includes all those prohibited activities and prohibited conduct listed in sections 6.2. and 6.3. of this Policy.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Own-Account Trading&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">those transactions in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Securities Affected</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> carried out by the</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%"> Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> or on their behalf, outside the scope of the activities corresponding to them by virtue of their duties in the BBVA Group, as well as those transactions carried out by the</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%"> Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> on behalf of their </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Related Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Persons Subject&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">a specific group of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Involved Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> who, by virtue of their position or function, carry out activities related to the securities markets and who are specifically subject to the Internal Standards of Conduct issued in each jurisdiction. </font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Related Persons&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> These are those persons who are related (those natural persons inside and outside the family circle, in respect of whose assets they have powers of management, either by virtue of a legal rule or a contract) and those persons with whom they have close links (those legal persons controlled by the person himself or by his </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Related Persons</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">).</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Securities Affected&#58;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> those financial instruments or other assets to which the provisions contained in this Policy apply.</font></div><div style="margin-bottom:10pt;margin-top:10pt;text-indent:41pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Separate Areas&#58; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Separate or restricted areas of activity shall be established for each of the employees, Units and&#47;or Areas of the BBVA Group where own portfolio management, third-party portfolio management, financial analysis, investment banking, brokerage in negotiable securities and financial instruments, contribution to financial indices, and any other areas that have access to </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Inside Information</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> with a certain frequency, are carried out.</font></div><div style="height:63pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Corporate Policy on Conduct in the Securities Markets</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">WARNING&#58; The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16</font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-12.1
<SEQUENCE>5
<FILENAME>exhibit121.htm
<DESCRIPTION>EX-12.1
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="if144eb4d91f442d6a1a0786376b29fd7_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; February 21, 2025</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>6
<FILENAME>exhibit122.htm
<DESCRIPTION>EX-12.2
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="i7de9432052ec4df490db4a96f3523494_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; February 21, 2025</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>7
<FILENAME>exhibit123.htm
<DESCRIPTION>EX-12.3
<TEXT>
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<title>Document</title></head><body><div id="i1e31f55a80404bb5ae4d619c0381a523_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, Luisa G&#243;mez Bravo, 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="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; February 21, 2025</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><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:100%">&#47;s&#47; Luisa G&#243;mez Bravo</font></div></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:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Chief Financial Officer</font></td></tr></table></div><div style="text-indent:36pt"><font><br></font></div><div style="height:44.72pt;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-13.1
<SEQUENCE>8
<FILENAME>exhibit131.htm
<DESCRIPTION>EX-13.1
<TEXT>
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<title>Document</title></head><body><div id="ie1433c55c32c49f7a3a5a8620a82d103_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, 2024 (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 Luisa G&#243;mez Bravo, 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; February 21, 2025</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="padding-left:255.09pt;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 style="height:13pt"><td colspan="3" style="padding:0 1pt"></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%">&#47;s&#47; Carlos Torres Vila</font></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Carlos Torres Vila </font></div><div style="margin-bottom:0.75pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Chair</font></div></td></tr></table></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="padding-left:255.09pt;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 style="height:13pt"><td colspan="3" style="padding:0 1pt"></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%">&#47;s&#47; Onur Gen&#231;</font></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Onur Gen&#231; </font></div><div style="margin-bottom:0.75pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Chief Executive Officer</font></div></td></tr></table></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="padding-left:255.09pt;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 style="height:13pt"><td colspan="3" style="padding:0 1pt"></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%">&#47;s&#47; Luisa G&#243;mez Bravo</font></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Luisa G&#243;mez Bravo</font></div><div style="margin-bottom:0.75pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Chief Financial Officer</font></div></td></tr></table></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;text-indent:36pt"><font><br></font></div><div style="text-align:justify;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-15.1
<SEQUENCE>9
<FILENAME>exhibit151.htm
<DESCRIPTION>EX-15.1
<TEXT>
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<title>Document</title></head><body><div id="iaf1a9e5e9fd649f68fc02ef9da46bd5b_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"><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, No. 333-281111 on Form F-4 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 February 21, 2025, 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, 2024.</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%">February 21, 2025</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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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>9952158 - Disclosure - Note 1</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>9952159 - 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:definition>9952160 - 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>9952161 - Disclosure - Note 4</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="Note5" roleURI="http://www.bbva.es/role/Note5">
        <link:definition>9952162 - 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>9952163 - 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>9952164 - Disclosure - Note 7</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="Note8" roleURI="http://www.bbva.es/role/Note8">
        <link:definition>9952165 - 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>9952166 - 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>9952167 - 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>9952168 - 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>9952169 - 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>9952170 - Disclosure - Note 13</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="Note14" roleURI="http://www.bbva.es/role/Note14">
        <link:definition>9952171 - 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>9952172 - 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>9952173 - Disclosure - Note 16</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="Note17" roleURI="http://www.bbva.es/role/Note17">
        <link:definition>9952174 - Disclosure - Note 17</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="Note18" roleURI="http://www.bbva.es/role/Note18">
        <link:definition>9952175 - Disclosure - Note 18</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
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        <link:definition>9952176 - Disclosure - Note 19</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
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        <link:definition>9952177 - 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:definition>9952178 - Disclosure - Note 21</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="Note22" roleURI="http://www.bbva.es/role/Note22">
        <link:definition>9952179 - Disclosure - Note 22</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="Note23" roleURI="http://www.bbva.es/role/Note23">
        <link:definition>9952180 - Disclosure - Note 23</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="Note24" roleURI="http://www.bbva.es/role/Note24">
        <link:definition>9952181 - Disclosure - Note 24</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="Note25" roleURI="http://www.bbva.es/role/Note25">
        <link:definition>9952182 - Disclosure - Note 25</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="Note26" roleURI="http://www.bbva.es/role/Note26">
        <link:definition>9952183 - Disclosure - Note 26</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="Note27" roleURI="http://www.bbva.es/role/Note27">
        <link:definition>9952184 - Disclosure - Note 27</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="Note28" roleURI="http://www.bbva.es/role/Note28">
        <link:definition>9952185 - Disclosure - Note 28</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="Note29" roleURI="http://www.bbva.es/role/Note29">
        <link:definition>9952186 - Disclosure - Note 29</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="Note30" roleURI="http://www.bbva.es/role/Note30">
        <link:definition>9952187 - Disclosure - Note 30</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="Note31" roleURI="http://www.bbva.es/role/Note31">
        <link:definition>9952188 - Disclosure - Note 31</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="Note32" roleURI="http://www.bbva.es/role/Note32">
        <link:definition>9952189 - Disclosure - Note 32</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="Note33" roleURI="http://www.bbva.es/role/Note33">
        <link:definition>9952190 - Disclosure - Note 33</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="Note34" roleURI="http://www.bbva.es/role/Note34">
        <link:definition>9952191 - Disclosure - Note 34</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="Note35" roleURI="http://www.bbva.es/role/Note35">
        <link:definition>9952192 - Disclosure - Note 35</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="Note36" roleURI="http://www.bbva.es/role/Note36">
        <link:definition>9952193 - Disclosure - Note 36</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="Note37" roleURI="http://www.bbva.es/role/Note37">
        <link:definition>9952194 - Disclosure - Note 37</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="Note38" roleURI="http://www.bbva.es/role/Note38">
        <link:definition>9952195 - Disclosure - Note 38</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="Note39" roleURI="http://www.bbva.es/role/Note39">
        <link:definition>9952196 - Disclosure - Note 39</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="Note40" roleURI="http://www.bbva.es/role/Note40">
        <link:definition>9952197 - 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>9952198 - Disclosure - Note 41</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="Note42" roleURI="http://www.bbva.es/role/Note42">
        <link:definition>9952199 - Disclosure - Note 42</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="Note43" roleURI="http://www.bbva.es/role/Note43">
        <link:definition>9952200 - Disclosure - Note 43</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="Note44" roleURI="http://www.bbva.es/role/Note44">
        <link:definition>9952201 - 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>9952202 - 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>9952203 - 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>9952204 - 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>9952205 - 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>9952206 - 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>9952207 - 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>9952208 - 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>9952209 - 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>9952210 - 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>9952211 - 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>9952212 - 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>9952213 - 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>9955511 - 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>9955512 - 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>9955513 - 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>9955514 - 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>9955515 - 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>9955516 - 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>9955517 - 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>9955518 - 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>9955519 - 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>9955520 - 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>9955521 - 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>9955522 - 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>9955523 - 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>9955524 - 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>9955525 - 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>9955526 - 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>9955527 - 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>9955528 - 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>9955529 - 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>9955530 - 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>9955531 - 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>9955532 - 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>9955533 - 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>9955534 - 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>9955535 - 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>9955536 - 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>9955537 - 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>9955538 - 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>9955539 - 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>9955540 - 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>9955541 - 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>9955542 - 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>9955543 - 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>9955544 - 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>9955545 - 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>9955546 - 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>9955547 - 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>9955548 - 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>9955549 - 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>9955550 - 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>9955551 - 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>9955552 - 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>9955553 - 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>9955554 - 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>9955555 - 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>9955556 - 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>9955557 - 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>9955558 - 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>9955559 - 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>9955560 - 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>9955561 - 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>9955562 - 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>9955563 - 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>9955564 - 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>9955565 - 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>9955566 - 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>9955567 - 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>9955568 - 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>9955569 - 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>9955570 - 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>9955571 - 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>9955572 - 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>9955573 - 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>9955574 - 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>9955575 - 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="Note7PositivescenarioofGDPunemploymentrateandHPIforthemaingeographiesDetails" roleURI="http://www.bbva.es/role/Note7PositivescenarioofGDPunemploymentrateandHPIforthemaingeographiesDetails">
        <link:definition>9955576 - 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>9955577 - 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>9955578 - 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>9955579 - 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>9955580 - 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>9955581 - 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>9955582 - 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>9955583 - 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>9955584 - 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>9955585 - 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="Note7ProbabilityofdefaultofloansandadvancestocustomersDetails" roleURI="http://www.bbva.es/role/Note7ProbabilityofdefaultofloansandadvancestocustomersDetails">
        <link:definition>9955586 - 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="Note7ImpairedsecuredloansrisksDetails" roleURI="http://www.bbva.es/role/Note7ImpairedsecuredloansrisksDetails">
        <link:definition>9955587 - 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>9955588 - 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>9955589 - 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>9955590 - 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>9955591 - 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>9955592 - 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>9955593 - 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="Note7VaRbyRiskfactorDetails" roleURI="http://www.bbva.es/role/Note7VaRbyRiskfactorDetails">
        <link:definition>9955594 - 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>9955595 - 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>9955596 - 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>9955597 - 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>9955598 - 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>9955599 - 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>9955600 - 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>9955601 - 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="WholesalefinancingtransactionscarriedoutbygroupoperationsDetails" roleURI="http://www.bbva.es/role/WholesalefinancingtransactionscarriedoutbygroupoperationsDetails">
        <link:definition>9955602 - Disclosure - Wholesale financing transactions carried out by group operations (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>9955603 - 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>9955604 - 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>9955605 - 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="Note8FairvalueoffinancialinstrumentsbylevelsDetails" roleURI="http://www.bbva.es/role/Note8FairvalueoffinancialinstrumentsbylevelsDetails">
        <link:definition>9955606 - 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>9955607 - 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>9955608 - 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>9955609 - 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>9955610 - 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>9955611 - 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>9955612 - 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>9955613 - 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="Note9CashCashBalancesAtCentralBanksAndOtherDemandDepositsDetails" roleURI="http://www.bbva.es/role/Note9CashCashBalancesAtCentralBanksAndOtherDemandDepositsDetails">
        <link:definition>9955614 - 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>9955615 - 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>9955616 - 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>9955617 - 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>9955618 - 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>9955619 - 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>9955620 - 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>9955621 - 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>9955622 - 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>9955623 - 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>9955624 - 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>9955625 - 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>9955626 - 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>9955627 - 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="Note14LoansandadvancesmaturinginmorethanoneyearbyfixedinterestrateandfloatingDetails" roleURI="http://www.bbva.es/role/Note14LoansandadvancesmaturinginmorethanoneyearbyfixedinterestrateandfloatingDetails">
        <link:definition>9955628 - Disclosure - Note 14 Loans and advances maturing in more than one year by fixed interest rate 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>9955629 - 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>9955630 - 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>9955631 - Disclosure - Note 15 Derivatives Hedge accounting breakdown by type of risk and type of hedge (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="Note15HedgeditemsinfairvaluehedgesDetails" roleURI="http://www.bbva.es/role/Note15HedgeditemsinfairvaluehedgesDetails">
        <link:definition>9955632 - 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>9955633 - 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="Note16InvestmentsInSubsidiariesJointVenturesAndAssociatesDetails" roleURI="http://www.bbva.es/role/Note16InvestmentsInSubsidiariesJointVenturesAndAssociatesDetails">
        <link:definition>9955634 - 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>9955635 - 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>9955636 - 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>9955637 - 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>9955638 - 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>9955639 - 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>9955640 - Disclosure - Note 18 Sensitivity analysis for main assumptions 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="Note18OtherIntangibleAssetsDetails" roleURI="http://www.bbva.es/role/Note18OtherIntangibleAssetsDetails">
        <link:definition>9955641 - 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>9955642 - 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>9955643 - 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>9955644 - 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="Note19TaxassetsandliabilitiesDetails" roleURI="http://www.bbva.es/role/Note19TaxassetsandliabilitiesDetails">
        <link:definition>9955645 - 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>9955646 - 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>9955647 - 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>9955648 - 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>9955649 - 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="Note21NoncurrentassetsanddisposalgroupsclassifiedasheldforsalechangesintheyearDetails" roleURI="http://www.bbva.es/role/Note21NoncurrentassetsanddisposalgroupsclassifiedasheldforsalechangesintheyearDetails">
        <link:definition>9955650 - 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>9955651 - 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>9955652 - 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>9955653 - 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>9955654 - 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>9955655 - 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>9955656 - 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>9955657 - 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>9955658 - 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="Note23LiabilitiesunderinsuranceandreinsurancecontractsbytypeofproductDetails" roleURI="http://www.bbva.es/role/Note23LiabilitiesunderinsuranceandreinsurancecontractsbytypeofproductDetails">
        <link:definition>9955659 - Disclosure - Note 23 Liabilities under insurance and reinsurance contracts by type of 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="Note23VariationinliabilitiesunderInsuranceandReinsuranceContractsanalyzedbyliabilitiesfortheremainingcoverageandliabilitiesforincurredclaimsDetails" roleURI="http://www.bbva.es/role/Note23VariationinliabilitiesunderInsuranceandReinsuranceContractsanalyzedbyliabilitiesfortheremainingcoverageandliabilitiesforincurredclaimsDetails">
        <link:definition>9955660 - Disclosure - Note 23 Variation in liabilities under Insurance and Reinsurance Contracts analyzed by liabilities for the remaining coverage and liabilities for incurred claims (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="Note23VariationinliabilitiesunderInsuranceandReinsurancecontractsbyvaluationcomponentsDetails" roleURI="http://www.bbva.es/role/Note23VariationinliabilitiesunderInsuranceandReinsurancecontractsbyvaluationcomponentsDetails">
        <link:definition>9955661 - Disclosure - Note 23 Variation in liabilities under Insurance and Reinsurance contracts by valuation components (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>9955662 - 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="Note24ProvisionsBreakdownByConceptsDetails" roleURI="http://www.bbva.es/role/Note24ProvisionsBreakdownByConceptsDetails">
        <link:definition>9955663 - 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>9955664 - 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>9955665 - 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>9955666 - 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>9955667 - 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>9955668 - 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>9955669 - 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>9955670 - 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>9955671 - 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>9955672 - 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>9955673 - 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>9955674 - 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>9955675 - 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>9955676 - 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>9955677 - 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>9955678 - 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>9955679 - 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>9955680 - 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>9955681 - 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>9955682 - 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>9955683 - 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>9955684 - 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>9955685 - 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>9955686 - 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>9955687 - 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>9955688 - 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>9955689 - 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>9955690 - 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>9955691 - 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>9955692 - 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="Note34OthercontingentassetsandliabilitiesDetails" roleURI="http://www.bbva.es/role/Note34OthercontingentassetsandliabilitiesDetails">
        <link:definition>9955693 - Disclosure - Note 34 Other contingent 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="Note35Details" roleURI="http://www.bbva.es/role/Note35Details">
        <link:definition>9955694 - 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>9955695 - 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>9955696 - 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>9955697 - 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>9955698 - 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>9955699 - 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>9955700 - 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>9955701 - 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>9955702 - 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>9955703 - 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>9955704 - 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>9955705 - 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>9955706 - 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>9955707 - 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>9955708 - 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>9955709 - 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>9955710 - 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>9955711 - 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>9955712 - 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>9955713 - 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>9955714 - 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>9955715 - 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>9955716 - 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>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Note51LiabilitiesfromfinancingactivitiesDetails" roleURI="http://www.bbva.es/role/Note51LiabilitiesfromfinancingactivitiesDetails">
        <link:definition>9955717 - Disclosure - Note 51 Liabilities from financing 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="Note52FeesforauditsconductedandotherrelatedservicesDetails" roleURI="http://www.bbva.es/role/Note52FeesforauditsconductedandotherrelatedservicesDetails">
        <link:definition>9955718 - Disclosure - Note 52 Fees for audits conducted and other related services (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="Note52OtherservicesrenderedDetails" roleURI="http://www.bbva.es/role/Note52OtherservicesrenderedDetails">
        <link:definition>9955719 - Disclosure - Note 52 Other services rendered (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="Note52FeesforauditsconductedDetails" roleURI="http://www.bbva.es/role/Note52FeesforauditsconductedDetails">
        <link:definition>9955720 - Disclosure - Note 52 Fees for audits conducted (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      </link:roleType>
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  <xs:element id="bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" abstract="false" name="GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_IncomeArisingFromInsuranceContracts" abstract="false" name="IncomeArisingFromInsuranceContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ExpenseArisingFromInsuranceContracts" abstract="false" name="ExpenseArisingFromInsuranceContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" abstract="false" name="ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" abstract="false" name="ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" nillable="true" xbrli:periodType="duration" 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_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" abstract="false" name="ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" abstract="false" name="GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NegativeGoodwillRecognisedInProfitAndLoss" abstract="false" name="NegativeGoodwillRecognisedInProfitAndLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" abstract="false" name="GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" abstract="false" name="NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" abstract="false" name="OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherReclassificationsForeignCurrencyTranslation" abstract="false" name="OtherReclassificationsForeignCurrencyTranslation" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransferredToInitialCarryingAmountOfHedgedItems" abstract="false" name="TransferredToInitialCarryingAmountOfHedgedItems" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherReclassificationsCashFlowHedgesEffectivePortion" abstract="false" name="OtherReclassificationsCashFlowHedgesEffectivePortion" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" abstract="false" name="NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" abstract="false" name="ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" abstract="false" name="NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale" abstract="false" name="OtherReclassificationsOfNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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-types1:domainItemType"/>
  <xs:element id="bbva_ProfitOrLossAttributableToOwnersOfParentMember" abstract="true" name="ProfitOrLossAttributableToOwnersOfParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <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_IssuanceOfOtherEquityInstruments" abstract="false" name="IssuanceOfOtherEquityInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" abstract="false" name="NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" abstract="false" name="NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" abstract="false" name="InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_OtherPaymentsRelatingToFinancingActivities" abstract="false" name="OtherPaymentsRelatingToFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_OtherItemsRelatingToFinancingActivities" abstract="false" name="OtherItemsRelatingToFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" abstract="true" name="ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MemorandumLoanCommitmentsGiven" abstract="false" name="MemorandumLoanCommitmentsGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_OfWhichHyperinflationEffectFromOperatingActivities" abstract="false" name="OfWhichHyperinflationEffectFromOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract" abstract="true" name="IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_DisclosureOfPrinciplesOfConsolidationAccountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsTextBlock" abstract="false" name="DisclosureOfPrinciplesOfConsolidationAccountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" abstract="true" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfCashCashBalancesAtCentralBanksAndOtherDemandDepositsExplanatoryTextBlock" abstract="false" name="DisclosureOfCashCashBalancesAtCentralBanksAndOtherDemandDepositsExplanatoryTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" abstract="false" name="DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" abstract="false" name="DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_TaxAssetsAndLiabiltiesAbstract" abstract="true" name="TaxAssetsAndLiabiltiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" abstract="false" name="DisclosureOfTaxAssetsAndLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock" abstract="false" name="DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostAbstract" abstract="true" name="FinancialLiabilitiesAtAmortisedCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" abstract="false" name="DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" abstract="true" name="AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" abstract="true" name="PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_SharePremiumAbstract" abstract="true" name="SharePremiumAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock" abstract="false" name="DisclosureOfRetainedEarningsAndOtherReservesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_TreasurySharesAbstract" abstract="true" name="TreasurySharesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock" abstract="false" name="DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_CapitalBaseAndCapitalManagementAbstract" abstract="true" name="CapitalBaseAndCapitalManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract" abstract="true" name="PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_TransactionsOnBehalfOfThirdPartiesTextBlock" abstract="false" name="TransactionsOnBehalfOfThirdPartiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_NetInterestIncomeAbstract" abstract="true" name="NetInterestIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" abstract="true" name="ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" abstract="true" name="IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_ProvisionsOrReversalOfProvisionsAbstract" abstract="true" name="ProvisionsOrReversalOfProvisionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" abstract="true" name="ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" abstract="true" name="RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" abstract="false" name="AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" abstract="false" name="AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" abstract="false" name="AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock" abstract="false" name="AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock" abstract="false" name="AccountingPolicyForEmployeeBenefitsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" abstract="false" name="AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" abstract="false" name="AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_BasicAndDilutedEarningsPerShareTableTextBlock" abstract="false" name="BasicAndDilutedEarningsPerShareTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="bbva_PlanAssetsBreakdownTableTextBlock" abstract="false" name="PlanAssetsBreakdownTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_InvestmentsInListedMarketsTableTextBlock" abstract="false" name="InvestmentsInListedMarketsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_RetainedEarningsAndOtherReservesTableTextBlock" abstract="false" name="RetainedEarningsAndOtherReservesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_RestrictedReservesBreakdownByConceptsTableTextBlock" abstract="false" name="RestrictedReservesBreakdownByConceptsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock" abstract="false" name="RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_TreasurySharesTableTextBlock" abstract="false" name="TreasurySharesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_TreasuryStockTableTextBlock" abstract="false" name="TreasuryStockTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock" abstract="false" name="SharesOfBBVAAcceptedInPledgeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" abstract="false" name="SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" abstract="false" name="AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_NonControllingInterestClassifiedByConceptTableTextBlock" abstract="false" name="NonControllingInterestClassifiedByConceptTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_ProfitAttributableToNonControllingInterestsTableTextBlock" abstract="false" name="ProfitAttributableToNonControllingInterestsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_EligibleCapitalResourcesTableTextBlock" abstract="false" name="EligibleCapitalResourcesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_AmountOfCapitalCC1TableTextBlock" abstract="false" name="AmountOfCapitalCC1TableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_LeverageRatioTableTextBlock" abstract="false" name="LeverageRatioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_CommitmentsAndGuaranteesGivenTableTextBlock" abstract="false" name="CommitmentsAndGuaranteesGivenTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" abstract="false" name="TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_InterestIncomeBreakdownByOriginTableTextBlock" abstract="false" name="InterestIncomeBreakdownByOriginTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_InterestExpenseBreakdownByOriginTableTextBlock" abstract="false" name="InterestExpenseBreakdownByOriginTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" abstract="false" name="DividendIncomeBreakdownByHeadlineTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_FeeAndCommissionIncomeTableTextBlock" abstract="false" name="FeeAndCommissionIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_FeesAndCommissionExpenseTableTextBlock" abstract="false" name="FeesAndCommissionExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" abstract="false" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" abstract="false" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccountingTableTextBlock" abstract="false" name="DerivativesHedgeAccountingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_OtherOperatingIncomeTableTextBlock" abstract="false" name="OtherOperatingIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_OtherOperatingExpenseTableTextBlock" abstract="false" name="OtherOperatingExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" abstract="false" name="InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_IncomeByTypeOfInsuranceProductTableTextBlock" abstract="false" name="IncomeByTypeOfInsuranceProductTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_PersonnelExpensesBreakdownTableTextBlock" abstract="false" name="PersonnelExpensesBreakdownTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_AdministrativeExpensesTableTextBlock" abstract="false" name="AdministrativeExpensesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_DepreciationAndAmortisationExpenseTableTextBlock" abstract="false" name="DepreciationAndAmortisationExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" abstract="false" name="ProvisionsOrReversalOfProvisionsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" abstract="false" name="ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" abstract="false" name="ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" abstract="false" name="ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_LiabilitiesFromFinancingActivitiesTableTextBlock" abstract="false" name="LiabilitiesFromFinancingActivitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" abstract="false" name="FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_OtherServicesRenderedTableTextBlock" abstract="false" name="OtherServicesRenderedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_FeesForAuditsConductedTableTextBlock" abstract="false" name="FeesForAuditsConductedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" abstract="false" name="BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" abstract="false" name="BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" abstract="false" name="TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock" abstract="false" name="RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_TheoreticalSharesTableTextBlock" abstract="false" name="TheoreticalSharesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_AnnualFixedRemunerationTableTextBlock" abstract="false" name="AnnualFixedRemunerationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationAVRTableTextBlock" abstract="false" name="AnnualVariableRemunerationAVRTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" abstract="false" name="DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_ExecutiveDirectorsTableTextBlock" abstract="false" name="ExecutiveDirectorsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock" abstract="false" name="AnnualFixedRemunerationSeniorManagementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" abstract="false" name="AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" abstract="false" name="DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_SeniorManagementTableTextBlock" abstract="false" name="SeniorManagementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="bbva_DepreciationRatesForTangibleAssetsTable" abstract="true" name="DepreciationRatesForTangibleAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepreciationRatesForTangibleAssetsAxis" abstract="true" name="DepreciationRatesForTangibleAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepreciationRatesForTangibleAssetsDomain" abstract="true" name="DepreciationRatesForTangibleAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FurnitureMember" abstract="true" name="FurnitureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems" abstract="true" name="EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" abstract="true" name="ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EntitiesByMainActivitiesAxis" abstract="true" name="EntitiesByMainActivitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EntitiesByMainActivitiesDomain" abstract="true" name="EntitiesByMainActivitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BankingAndOtherFinancialServicesMember" abstract="true" name="BankingAndOtherFinancialServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" abstract="true" name="InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherNonFinancialServicesMember" abstract="true" name="OtherNonFinancialServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_AvailableAmountForInterimDividendPaymentsLineItems" abstract="true" name="AvailableAmountForInterimDividendPaymentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_MaximumAmountDistributable" abstract="false" name="MaximumAmountDistributable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AmountOfProposedInterimDividend" abstract="false" name="AmountOfProposedInterimDividend" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ApplicationOfResultsLineItems" abstract="true" name="ApplicationOfResultsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_InterimDividendsApplicationOfResults" abstract="false" name="InterimDividendsApplicationOfResults" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ReservesAcumulatedGains" abstract="false" name="ReservesAcumulatedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ProfitAdjusted" abstract="false" name="ProfitAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" abstract="false" name="OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" nillable="true" xbrli:periodType="duration" 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_AverageTreasuryShares" abstract="false" name="AverageTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ShareBuybackProgram" abstract="false" name="ShareBuybackProgram" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AdjustedNumberOfSharesDilutedEarningsPerShareD" abstract="false" name="AdjustedNumberOfSharesDilutedEarningsPerShareD" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AssetsOfTheGroupByOperatingSegmentsTable" abstract="true" name="AssetsOfTheGroupByOperatingSegmentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AssetsOfTheGroupByOperatingSegmentsAxis" abstract="true" name="AssetsOfTheGroupByOperatingSegmentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AssetsOfTheGroupByOperatingSegmentsDomain" abstract="true" name="AssetsOfTheGroupByOperatingSegmentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RestOfBusinessMember" abstract="true" name="RestOfBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SubtotalAssetsByOperatingSegmentsMember" abstract="true" name="SubtotalAssetsByOperatingSegmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CorporateCenterAndAdjustmentsMember" abstract="true" name="CorporateCenterAndAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_IncomeByOperatingSegmentTable" abstract="true" name="IncomeByOperatingSegmentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_IncomeByOperatingSegmentDomain" abstract="true" name="IncomeByOperatingSegmentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IncomeByOperatingSegmentLineItems" abstract="true" name="IncomeByOperatingSegmentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_CountryAxis" abstract="true" name="CountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CountryDomain" abstract="true" name="CountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_YearsAxis" abstract="true" name="YearsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_YearsDomain" abstract="true" name="YearsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A2023Member" abstract="true" name="A2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A2024Member" abstract="true" name="A2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A2025Member" abstract="true" name="A2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A2026Member" abstract="true" name="A2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A2027Member" abstract="true" name="A2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A2028Member" abstract="true" name="A2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A2029Member" abstract="true" name="A2029Member" 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_TypeOfScenarioDomain" abstract="true" name="TypeOfScenarioDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PositiveScenarioMember" abstract="true" name="PositiveScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_GDP" abstract="false" name="GDP" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_Unemployment" abstract="false" name="Unemployment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_HPI" abstract="false" name="HPI" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_BaseScenarioTable" abstract="true" name="BaseScenarioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BaseScenarioMember" abstract="true" name="BaseScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NegativeScenarioTable" abstract="true" name="NegativeScenarioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NegativeScenarioMember" abstract="true" name="NegativeScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ExpectedLossVariationTable" abstract="true" name="ExpectedLossVariationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BbvaGroupMember" abstract="true" name="BbvaGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PortfolioAxis" abstract="true" name="PortfolioAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PortfolioDomain" abstract="true" name="PortfolioDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalPortfolioMember" abstract="true" name="TotalPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RetailSegmentMember" abstract="true" name="RetailSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CompaniesMember" abstract="true" name="CompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BasicPointLineItems" abstract="true" name="BasicPointLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GDP100Bp" abstract="false" name="GDP100Bp" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_GDPOver100Bp" abstract="false" name="GDPOver100Bp" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_HousingPrice100Bp" abstract="false" name="HousingPrice100Bp" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_HousingPriceOver100Bp" abstract="false" name="HousingPriceOver100Bp" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureTable" abstract="true" name="MaximumCreditRiskExposureTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfStageAxis" abstract="true" name="TypeOfStageAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfStageDomain" abstract="true" name="TypeOfStageDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalStageMember" abstract="true" name="TotalStageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Stage1Member" abstract="true" name="Stage1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Stage2Member" abstract="true" name="Stage2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Stage3Member" abstract="true" name="Stage3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureAxis" abstract="true" name="MaximumCreditRiskExposureAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureDomain" abstract="true" name="MaximumCreditRiskExposureDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsHeldForTradingMember" abstract="true" name="FinancialAssetsHeldForTradingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember" abstract="true" name="NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" abstract="true" name="FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalFinancialAssetsRiskMember" abstract="true" name="TotalFinancialAssetsRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember" abstract="true" name="TotalLoanCommitmentsAndFinancialGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditExposureClassesOfFinancialInstrumentsAxis" abstract="true" name="CreditExposureClassesOfFinancialInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CreditExposureClassesOfFinancialInstrumentsDomain" abstract="true" name="CreditExposureClassesOfFinancialInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EquityInstrumentsMember" abstract="true" name="EquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesMember" abstract="true" name="LoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCentralBanksMember" abstract="true" name="LoansAndAdvancesToCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCreditInstitutionsMember" abstract="true" name="LoansAndAdvancesToCreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesToCustomersMember" abstract="true" name="LoansAndAdvancesToCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialGuaranteesGivenMember" abstract="true" name="FinancialGuaranteesGivenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherCommitmentsGivenMember" abstract="true" name="OtherCommitmentsGivenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditExposureClassesOfFinancialInstrumentsLineItems" abstract="true" name="CreditExposureClassesOfFinancialInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" abstract="true" name="MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureByCountriesAxis" abstract="true" name="MaximumCreditRiskExposureByCountriesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureByCountriesDomain" abstract="true" name="MaximumCreditRiskExposureByCountriesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherCountriesMember" abstract="true" name="OtherCountriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalMaximumCreditRiskExposuresMember" abstract="true" name="TotalMaximumCreditRiskExposuresMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichIndividualMember" abstract="true" name="OfWhichIndividualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichCollectiveMember" abstract="true" name="OfWhichCollectiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MaximumExposureToCreditRiskLineItems" abstract="true" name="MaximumExposureToCreditRiskLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" abstract="false" name="AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" abstract="true" name="MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureToCustomersAxis" abstract="true" name="MaximumCreditRiskExposureToCustomersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureToCustomersDomain" abstract="true" name="MaximumCreditRiskExposureToCustomersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PublicAdministrationMember" abstract="true" name="PublicAdministrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherFinancialCorporationsMember" abstract="true" name="OtherFinancialCorporationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonFinancialCorporationsMember" abstract="true" name="NonFinancialCorporationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HouseholdsMember" abstract="true" name="HouseholdsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MaximumCreditRiskExposureToCustomersLineItems" abstract="true" name="MaximumCreditRiskExposureToCustomersLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LoansAndReceivablesBreakdownByCounterAndProductTable" abstract="true" name="LoansAndReceivablesBreakdownByCounterAndProductTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HeadingsOfAssetsAxis" abstract="true" name="HeadingsOfAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HeadingsOfAssetsDomain" abstract="true" name="HeadingsOfAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CentralBanksMember" abstract="true" name="CentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_GeneralGovernmentMember" abstract="true" name="GeneralGovernmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditInstitutionsMember" abstract="true" name="CreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TypesOfLoansAndReceivablesAxis" abstract="true" name="TypesOfLoansAndReceivablesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypesOfLoansAndReceivablesDomain" abstract="true" name="TypesOfLoansAndReceivablesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditCardDebtMember" abstract="true" name="CreditCardDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CommercialDebtorsMember" abstract="true" name="CommercialDebtorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinanceLeasesMember" abstract="true" name="FinanceLeasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReverseRepurchaseLoansMember" abstract="true" name="ReverseRepurchaseLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherTermLoansMember" abstract="true" name="OtherTermLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AdvancesThatAreNotLoansMember" abstract="true" name="AdvancesThatAreNotLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalLoansAndAdvancesByProductsMember" abstract="true" name="TotalLoansAndAdvancesByProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BySecureLoansMember" abstract="true" name="BySecureLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" abstract="true" name="OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichOtherCollateralizedLoansMember" abstract="true" name="OfWhichOtherCollateralizedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ByPurposeMember" abstract="true" name="ByPurposeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichCreditForConsumptionMember" abstract="true" name="OfWhichCreditForConsumptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichLendingForHousePurchaseMember" abstract="true" name="OfWhichLendingForHousePurchaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BySubordinationMember" abstract="true" name="BySubordinationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichProjectFinanceLoansMember" abstract="true" name="OfWhichProjectFinanceLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BreakdownByCounterpartyAndProductLineItems" abstract="true" name="BreakdownByCounterpartyAndProductLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" abstract="true" name="ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SecuredFinancialInstrumentsAxis" abstract="true" name="SecuredFinancialInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SecuredFinancialInstrumentsDomain" abstract="true" name="SecuredFinancialInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MaximumExposureToCreditRiskMember" abstract="true" name="MaximumExposureToCreditRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichSecuredByCollateralMember" abstract="true" name="OfWhichSecuredByCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichSecuredFinancialInstrumentsAxis" abstract="true" name="OfWhichSecuredFinancialInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OfWhichSecuredFinancialInstrumentsDomain" abstract="true" name="OfWhichSecuredFinancialInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ResidentialPropertyMember" abstract="true" name="ResidentialPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CommercialPropertyMember" abstract="true" name="CommercialPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CashAsCollateralMember" abstract="true" name="CashAsCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherMember" abstract="true" name="OtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialMember" abstract="true" name="FinancialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_ImpairedFinancialAssetsAtAmortisedCost" abstract="false" name="ImpairedFinancialAssetsAtAmortisedCost" nillable="true" xbrli:periodType="instant" 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_ValueOfCollateralMember" abstract="true" name="ValueOfCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ValueOfOtherGuaranteesMember" abstract="true" name="ValueOfOtherGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ValueOfGuaranteesAxis" abstract="true" name="ValueOfGuaranteesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ValueOfGuaranteesDomain" abstract="true" name="ValueOfGuaranteesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember" abstract="true" name="OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichGuaranteesNonPerformingRisksMember" abstract="true" name="OfWhichGuaranteesNonPerformingRisksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" abstract="true" name="ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BasisPointsAxis" abstract="true" name="BasisPointsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BasisPointsDomain" abstract="true" name="BasisPointsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A0To2Member" abstract="true" name="A0To2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A2To5Member" abstract="true" name="A2To5Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A5To11Member" abstract="true" name="A5To11Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A11To39Member" abstract="true" name="A11To39Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A39To194Member" abstract="true" name="A39To194Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A194To1061Member" abstract="true" name="A194To1061Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A1061To2121Member" abstract="true" name="A1061To2121Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MoreThan2121Member" abstract="true" name="MoreThan2121Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DisclosureOfProbabilityOfDefaultLineItems" abstract="true" name="DisclosureOfProbabilityOfDefaultLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" abstract="false" name="ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_ImpairedSecuredLoansRisksTable" abstract="true" name="ImpairedSecuredLoansRisksTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherFinancialInstitutionsMember" abstract="true" name="OtherFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ImpairedSecuredLoansRisksLineItems" abstract="true" name="ImpairedSecuredLoansRisksLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ImpairedLoansAndAdvancesAtAmortizedCost" abstract="false" name="ImpairedLoansAndAdvancesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" abstract="true" name="ChangesInImpairedAssetsAndGuaranteesGivenLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_AdditionsOfImpairedAssets" abstract="false" name="AdditionsOfImpairedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" abstract="true" name="ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" abstract="false" name="IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_ReFinancingOrRestructuring" abstract="false" name="ReFinancingOrRestructuring" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DecreaseSales" abstract="false" name="DecreaseSales" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DecreaseTimeBarredDebtAndOtherCauses" abstract="false" name="DecreaseTimeBarredDebtAndOtherCauses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" abstract="true" name="ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_StagesAxis" abstract="true" name="StagesAxis" 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-types1: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_AccountingBalancesDomain" abstract="true" name="AccountingBalancesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostMember" abstract="true" name="ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" abstract="true" name="ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_TransfersFromStage1ToStage2" abstract="false" name="TransfersFromStage1ToStage2" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransfersFromStage2ToStage1" abstract="false" name="TransfersFromStage2ToStage1" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TransfersFromStage3" abstract="false" name="TransfersFromStage3" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_BecomingWriteOffs" abstract="false" name="BecomingWriteOffs" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MethodologicalChangesAndAdoptionOfNewStandards" abstract="false" name="MethodologicalChangesAndAdoptionOfNewStandards" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTable" abstract="true" name="ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" abstract="true" name="ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_NetAnnualOriginationOfAllowances" abstract="false" name="NetAnnualOriginationOfAllowances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable" abstract="true" name="SensitivityToInterestRateAndCreditSpreadAnalysisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GeographyAxisMarketRiskAxis" abstract="true" name="GeographyAxisMarketRiskAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GeographyAxisMarketRiskDomain" abstract="true" name="GeographyAxisMarketRiskDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BasisPointVariationAxis" abstract="true" name="BasisPointVariationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BasisPointVariationDomain" abstract="true" name="BasisPointVariationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A100BasisPointIncreaseMember" abstract="true" name="A100BasisPointIncreaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_A100BasisPointDecreaseMember" abstract="true" name="A100BasisPointDecreaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_PercentageImpactOnNetInterestIncome" abstract="false" name="PercentageImpactOnNetInterestIncome" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_PercentageImpactOnNetEconomicValueCreditSpread" abstract="false" name="PercentageImpactOnNetEconomicValueCreditSpread" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_MainCurrenciesSensitivityAxis" abstract="true" name="MainCurrenciesSensitivityAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MainCurrenciesSensitivityDomain" abstract="true" name="MainCurrenciesSensitivityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_SensitivityToOnePercentMainCurrencies" abstract="false" name="SensitivityToOnePercentMainCurrencies" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_VaRByRiskFactorTable" abstract="true" name="VaRByRiskFactorTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_VaRByRiskFactorAxis" abstract="true" name="VaRByRiskFactorAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_VaRByRiskFactorDomain" abstract="true" name="VaRByRiskFactorDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_InterestSpreadRiskMember" abstract="true" name="InterestSpreadRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_StockMarketRiskMember" abstract="true" name="StockMarketRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_VegaCorrelationRiskMember" abstract="true" name="VegaCorrelationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DiversificationEffectMember" abstract="true" name="DiversificationEffectMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_VaREstimationAxis" abstract="true" name="VaREstimationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_VaREstimationDomain" abstract="true" name="VaREstimationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_VaRAverageInTheYearMember" abstract="true" name="VaRAverageInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_VaRMaxInTheYearMember" abstract="true" name="VaRMaxInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_VaRMinInTheYearMember" abstract="true" name="VaRMinInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EndOfPeriodVaRMember" abstract="true" name="EndOfPeriodVaRMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_VaRByRiskFactorLineItems" abstract="true" name="VaRByRiskFactorLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_VaRByRiskFactor" abstract="false" name="VaRByRiskFactor" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ImpactOfTheStressTestTable" abstract="true" name="ImpactOfTheStressTestTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_GeographicalImpactOfTheStressTestDomain" abstract="true" name="GeographicalImpactOfTheStressTestDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ImpactOfTheStressTestLineItems" abstract="true" name="ImpactOfTheStressTestLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_EffectOffsettingForDerivativesAndSecuritiesOperationTable" abstract="true" name="EffectOffsettingForDerivativesAndSecuritiesOperationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DerivativesAndSecuritiesAxis" abstract="true" name="DerivativesAndSecuritiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DerivativesAndSecuritiesDomain" abstract="true" name="DerivativesAndSecuritiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" abstract="true" name="ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" abstract="true" name="RepurchaseSecuritiesLendingAndSimilarAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ConceptAxis" abstract="true" name="ConceptAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ConceptDomain" abstract="true" name="ConceptDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" abstract="true" name="EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" abstract="false" name="CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LtSCDByLMUTable" abstract="true" name="LtSCDByLMUTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LtSCDByLMUAxis" abstract="true" name="LtSCDByLMUAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LtSCDByLMUDomain" abstract="true" name="LtSCDByLMUDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVASAMember" abstract="true" name="BBVASAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAMexicoMember" abstract="true" name="BBVAMexicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_GarantiBBVAGroupMember" abstract="true" name="GarantiBBVAGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherLMUMember" abstract="true" name="OtherLMUMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LtSCDByLMULineItems" abstract="true" name="LtSCDByLMULineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AverageLtSCDByLMU" abstract="false" name="AverageLtSCDByLMU" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="bbva_LCRMainLMUAxis" abstract="true" name="LCRMainLMUAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LCRMainLMUDomain" abstract="true" name="LCRMainLMUDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_AverageLCRMainLMU" abstract="false" name="AverageLCRMainLMU" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_LiquidityAvailableByInstrumentTable" abstract="true" name="LiquidityAvailableByInstrumentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" abstract="true" name="DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" 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-types1:domainItemType"/>
  <xs:element id="bbva_LiquidityAvailableByInstrumentsAxis" abstract="true" name="LiquidityAvailableByInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LiquidityAvailableByInstrumentsDomain" abstract="true" name="LiquidityAvailableByInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CashAndWithdrawableCentralBankReservesMember" abstract="true" name="CashAndWithdrawableCentralBankReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Level1TradableAssetsMember" abstract="true" name="Level1TradableAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Level2ATradableAssetsMember" abstract="true" name="Level2ATradableAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Level2BTradableAssetsMember" abstract="true" name="Level2BTradableAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherTradableAssetsMember" abstract="true" name="OtherTradableAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonTradableAssetsEligibleForCentralBanksMember" abstract="true" name="NonTradableAssetsEligibleForCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CumulatedCounterbalancingCapacityMember" abstract="true" name="CumulatedCounterbalancingCapacityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" abstract="true" name="DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NSFRMainLMUTable" abstract="true" name="NSFRMainLMUTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NSFRMainLMUAxis" abstract="true" name="NSFRMainLMUAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NSFRMainLMUDomain" abstract="true" name="NSFRMainLMUDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NSFRMainLMULineItems" abstract="true" name="NSFRMainLMULineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember" abstract="true" name="LaterThanSixMonthsAndNotLaterThanNineMonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember" abstract="true" name="LaterThanNineMonthsAndNotLaterThanOneYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalMember" abstract="true" name="TotalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_ResidualMaturitiesInstrumentsDomain" abstract="true" name="ResidualMaturitiesInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" abstract="true" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DepositsInCreditEntitiesMember" abstract="true" name="DepositsInCreditEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DepositsInOtherFinancialInstitutionsMember" abstract="true" name="DepositsInOtherFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember" abstract="true" name="ReverseRepoSecuritiesBorrowingAndMarginLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SecuritiesPortfolioSettlementMember" abstract="true" name="SecuritiesPortfolioSettlementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_WholesaleFundingMember" abstract="true" name="WholesaleFundingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DepositsInFinancialInstitutionsMember" abstract="true" name="DepositsInFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DepositsInOtherFinancialInstitutionsAndInternationalAgenciesMember" abstract="true" name="DepositsInOtherFinancialInstitutionsAndInternationalAgenciesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_SecurityPledgeFundingMember" abstract="true" name="SecurityPledgeFundingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DerivativesNetMember" abstract="true" name="DerivativesNetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" abstract="true" name="DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_FinancialLiabilitiesLiquidityRisk" abstract="false" name="FinancialLiabilitiesLiquidityRisk" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_Aug24Member" abstract="true" name="Aug24Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_CouponDomain" abstract="true" name="CouponDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_A3.500Member" abstract="true" name="A3.500Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_A3MonthEuriborRate45BasisPointsMember" abstract="true" name="A3MonthEuriborRate45BasisPointsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_A3.625Member" abstract="true" name="A3.625Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_A6.875Member" abstract="true" name="A6.875Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_A4.375Member" abstract="true" name="A4.375Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_EarlyRedemptionDomain" abstract="true" name="EarlyRedemptionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Nov30ToFeb31Member" abstract="true" name="Nov30ToFeb31Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Mar34Member" abstract="true" name="Mar34Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Dec30ToJun31Member" abstract="true" name="Dec30ToJun31Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_May31ToAug31Member" abstract="true" name="May31ToAug31Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_Feb36Member" abstract="true" name="Feb36Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Mar29Member" abstract="true" name="Mar29Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Mar35Member" abstract="true" name="Mar35Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_Mar31Member" abstract="true" name="Mar31Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="bbva_Jun30Member" abstract="true" name="Jun30Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PerpetualMember" abstract="true" name="PerpetualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Aug36Member" abstract="true" name="Aug36Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_TypeOfIssueLineItems" abstract="true" name="TypeOfIssueLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SeniorNonPreferred" abstract="false" name="SeniorNonPreferred" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SeniorPreferred" abstract="false" name="SeniorPreferred" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SeniorPreferredGreenBond" abstract="false" name="SeniorPreferredGreenBond" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AT1CoCo" abstract="false" name="AT1CoCo" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_Tier2" abstract="false" name="Tier2" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_BookValueMember" abstract="true" name="BookValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MarketValueMember" abstract="true" name="MarketValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EncumberedAndUnencumberedAssetsAxis" abstract="true" name="EncumberedAndUnencumberedAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EncumberedAndUnencumberedAssetsDomain" abstract="true" name="EncumberedAndUnencumberedAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_LoansAndAdvancesAndOtherMember" abstract="true" name="LoansAndAdvancesAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EncumberedAndUnencumberedAssetsLineItems" abstract="true" name="EncumberedAndUnencumberedAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EncumberedAssets" abstract="false" name="EncumberedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis" abstract="true" name="ClassesOfFinancialInstrumentsCollateralReceivedAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain" abstract="true" name="ClassesOfFinancialInstrumentsCollateralReceivedDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CollateralReceivedMember" abstract="true" name="CollateralReceivedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LoansAndAdvancesAndOtherAssetsMember" abstract="true" name="LoansAndAdvancesAndOtherAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" abstract="true" name="OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CollateralPledgesReceivedLineItems" abstract="true" name="CollateralPledgesReceivedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" abstract="false" name="FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" abstract="false" name="FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" abstract="true" name="ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" abstract="true" name="ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_DepositsSourcesOfEncumbranceMember" abstract="true" name="DepositsSourcesOfEncumbranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_OutstandingSubordinatedDebtMember" abstract="true" name="OutstandingSubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" abstract="true" name="FinancialLiabilitiesIssuedEncumberedAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" abstract="false" name="AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" abstract="true" name="FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" abstract="true" name="FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" abstract="true" name="FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems" abstract="true" name="FinancialInstrumentsAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueByLevelsTable" abstract="true" name="FinancialAssetsAtFairValueByLevelsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" abstract="true" name="FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis" abstract="true" name="FinancialAssetsAtFairValueBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" abstract="true" name="FinancialAssetsAtFairValueBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_InterestRateMember" abstract="true" name="InterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForeignExchangeAndGoldMember" abstract="true" name="ForeignExchangeAndGoldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditDerivativesMember" abstract="true" name="CreditDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CommoditiesMember" abstract="true" name="CommoditiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueByLevelsLineItems" abstract="true" name="FinancialAssetsAtFairValueByLevelsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ValuationTechniques" abstract="false" name="ValuationTechniques" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ObservableInputs" abstract="false" name="ObservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_FinancialLiabilitiesAtFairValueByLevelsTable" abstract="true" name="FinancialLiabilitiesAtFairValueByLevelsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_ShortPositionsMember" abstract="true" name="ShortPositionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" abstract="true" name="FinancialLiabilitiesAtFairValueByLevelsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_FinancialInstrumentsDomain" abstract="true" name="FinancialInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_GaussianCopulaMember" abstract="true" name="GaussianCopulaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Black76Member" abstract="true" name="Black76Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_OptionModelsOnIRUnderlyingsMember" abstract="true" name="OptionModelsOnIRUnderlyingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SignificantUnobservableInputsLineItems" abstract="true" name="SignificantUnobservableInputsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CreditSpread" abstract="false" name="CreditSpread" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="bbva_ComparablePricesInputs" abstract="false" name="ComparablePricesInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_RepoFundingCurve" abstract="false" name="RepoFundingCurve" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_CorrelationDefault" abstract="false" name="CorrelationDefault" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_PriceVolatility" abstract="false" name="PriceVolatility" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="bbva_Correlations" abstract="false" name="Correlations" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_Volatility" abstract="false" name="Volatility" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="bbva_BetaSignificantUnobservableInputs" abstract="false" name="BetaSignificantUnobservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_CorrelationRateCredit" abstract="false" name="CorrelationRateCredit" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_CorrelationRateinflation" abstract="false" name="CorrelationRateinflation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems" abstract="true" name="FinancialInstrumentsLevel3ChangesInTheYearLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_ChangesInFairValueNotRecognizedInProfitAndLoss" abstract="false" name="ChangesInFairValueNotRecognizedInProfitAndLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AcquisitionsDisposalsAndLiquidations" abstract="false" name="AcquisitionsDisposalsAndLiquidations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ExchangeDifferencesAndOthers" abstract="false" name="ExchangeDifferencesAndOthers" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TransferBetweenLevelsTable" abstract="true" name="TransferBetweenLevelsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_TransferredFinancialAssetsDomain" abstract="true" name="TransferredFinancialAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_TransferredFinancialLiabilitiesAxis" abstract="true" name="TransferredFinancialLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TransferredFinancialLiabilitiesDomain" abstract="true" name="TransferredFinancialLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesHeldForTradingMember" abstract="true" name="FinancialLiabilitiesHeldForTradingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_LevelTransfersLineItems" abstract="true" name="LevelTransfersLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" abstract="false" name="TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" nillable="true" xbrli:periodType="duration" 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"/>
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  <xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PotentialImpactOnConsolidatedIncomeStatementMember" abstract="true" name="PotentialImpactOnConsolidatedIncomeStatementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PotentialImpactOnOtherComprehensiveIncomeMember" abstract="true" name="PotentialImpactOnOtherComprehensiveIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" abstract="false" name="FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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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"/>
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  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CarryingAmountPresentedAsFairValueMember" abstract="true" name="CarryingAmountPresentedAsFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" abstract="true" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_IssuedByPublicAdministrationsMember" abstract="true" name="IssuedByPublicAdministrationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IssuedByFinancialInstitutionsMember" abstract="true" name="IssuedByFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherDebtInstrumentsMember" abstract="true" name="OtherDebtInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReverseRepurchaseAgreementAxis" abstract="true" name="ReverseRepurchaseAgreementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ReverseRepurchaseAgreementDomain" abstract="true" name="ReverseRepurchaseAgreementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReverseRepurchaseAgreementsMember" abstract="true" name="ReverseRepurchaseAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RepurchaseAgreementMember" abstract="true" name="RepurchaseAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" abstract="true" name="DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" abstract="true" name="DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DerivativesAxis" abstract="true" name="DerivativesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DerivativesByTypeOfRiskDomain" abstract="true" name="DerivativesByTypeOfRiskDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EquityInstrumentsRiskMember" abstract="true" name="EquityInstrumentsRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForeignExchangeAndGoldRiskMember" abstract="true" name="ForeignExchangeAndGoldRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CommoditiesRiskMember" abstract="true" name="CommoditiesRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_TypeOfRiskProductOrMarketOfDerivativesDomain" abstract="true" name="TypeOfRiskProductOrMarketOfDerivativesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OTCOptionsMember" abstract="true" name="OTCOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OrganizedMarketOptionsMember" abstract="true" name="OrganizedMarketOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditDefaultSwapContractMember" abstract="true" name="CreditDefaultSwapContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditSpreadOptionContractMember" abstract="true" name="CreditSpreadOptionContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalReturnSwapContractMember" abstract="true" name="TotalReturnSwapContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichOTCCreditInstitutionsMember" abstract="true" name="OfWhichOTCCreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichOTCOtherFinancialCorporationsMember" abstract="true" name="OfWhichOTCOtherFinancialCorporationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichOTCOtherMember" abstract="true" name="OfWhichOTCOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems" abstract="true" name="NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" abstract="true" name="FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" 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_OfWhichLossAllowancesOfDebtSecurities" abstract="false" name="OfWhichLossAllowancesOfDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SubtotalListedEquityInstrumentsMember" abstract="true" name="SubtotalListedEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SubtotalUnlistedEquityInstrumentsMember" abstract="true" name="SubtotalUnlistedEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EquityInstrumentsByCountryAxis" abstract="true" name="EquityInstrumentsByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityInstrumentsByCountryDomain" abstract="true" name="EquityInstrumentsByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NationalCompanySharesMember" abstract="true" name="NationalCompanySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForeignCompanySharesMember" abstract="true" name="ForeignCompanySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" 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_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain" abstract="true" name="DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IssuedInEurosMember" abstract="true" name="IssuedInEurosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalForeignMember" abstract="true" name="TotalForeignMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DebtSecuritiesAvailableForSaleAxis" abstract="true" name="DebtSecuritiesAvailableForSaleAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DebtSecuritiesAvailableForSaleDomain" abstract="true" name="DebtSecuritiesAvailableForSaleDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_GovernmentAgencyDebtSecuritiesMember" abstract="true" name="GovernmentAgencyDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherIssuersMember" abstract="true" name="OtherIssuersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BreakdownOfDebtSecuritiesByRatingTable" abstract="true" name="BreakdownOfDebtSecuritiesByRatingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_RatingDomain" abstract="true" name="RatingDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAAAARatingMember" abstract="true" name="BBVAAAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAAAPlusRatingMember" abstract="true" name="BBVAAAPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAAARatingMember" abstract="true" name="BBVAAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAAAMinusRatingMember" abstract="true" name="BBVAAAMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAAPlusRatingMember" abstract="true" name="BBVAAPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAARatingMember" abstract="true" name="BBVAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAAMinusRatingMember" abstract="true" name="BBVAAMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVABBBPlusRatingMember" abstract="true" name="BBVABBBPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVABBBRatingMember" abstract="true" name="BBVABBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVABBBMinusRatingMember" abstract="true" name="BBVABBBMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVABBPlusRatingMember" abstract="true" name="BBVABBPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_UnclassifiedMember" abstract="true" name="UnclassifiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" abstract="true" name="AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PercentageOfDebtSecuritiesByRating" abstract="false" name="PercentageOfDebtSecuritiesByRating" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_ChangesInGainsLossesTable" abstract="true" name="ChangesInGainsLossesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfEquityInstrumentAxis" abstract="true" name="TypeOfEquityInstrumentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfEquityInstrumentDomain" abstract="true" name="TypeOfEquityInstrumentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_ValuationGainsAndLosses" abstract="false" name="ValuationGainsAndLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AmountsTransferredToReserves" abstract="false" name="AmountsTransferredToReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancialAssetsAtAmortisedCostTable" abstract="true" name="FinancialAssetsAtAmortisedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtAmortisedCostAxis" abstract="true" name="FinancialAssetsAtAmortisedCostAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialAssetsAtAmortisedCostDomain" abstract="true" name="FinancialAssetsAtAmortisedCostDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReverseRepurchaseAgreementsBorrarMember" abstract="true" name="ReverseRepurchaseAgreementsBorrarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherLoansAndAdvancesMember" abstract="true" name="OtherLoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember" abstract="true" name="OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember" abstract="true" name="OfWhichLossAllowancesOfLoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichLossAllowancesOfDebtSecuritiesMember" abstract="true" name="OfWhichLossAllowancesOfDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_DebtSecuritiesAtAmortizedCostTable" abstract="true" name="DebtSecuritiesAtAmortizedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SecuritiesLocationByCountryAxis" abstract="true" name="SecuritiesLocationByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SecuritiesLocationByCountryDomain" abstract="true" name="SecuritiesLocationByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DomesticDebtSecuritiesMember" abstract="true" name="DomesticDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForeignDebtSecuritiesMember" abstract="true" name="ForeignDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IssuingInstitutionsAxis" abstract="true" name="IssuingInstitutionsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_IssuingInstitutionsDomain" abstract="true" name="IssuingInstitutionsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DebtSecuritiesAtAmortizedCostLineItems" abstract="true" name="DebtSecuritiesAtAmortizedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis" abstract="true" name="BreakdownOfDebtSecuritiesByCreditRatingAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain" abstract="true" name="BreakdownOfDebtSecuritiesByCreditRatingDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAAAPlusMember" abstract="true" name="BBVAAAPlusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DebtSecuritiesByRatingLineItems" abstract="true" name="DebtSecuritiesByRatingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating" abstract="false" name="PercentageOfDebtSecuritiesAtAmortizedCostByRating" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable" abstract="true" name="LoansAndAdvancesAtAmortizedCostToCustomersTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis" abstract="true" name="LoansAndAdvancesAtAmortizedCostToCustomersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain" abstract="true" name="LoansAndAdvancesAtAmortizedCostToCustomersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" abstract="true" name="LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" abstract="true" name="LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_ForeignSecurity" abstract="false" name="ForeignSecurity" nillable="true" xbrli:periodType="instant" 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_SecuritizedLoansLineItems" abstract="true" name="SecuritizedLoansLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SecuritizedMortgageAssets" abstract="false" name="SecuritizedMortgageAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherSecuritizedAssets" abstract="false" name="OtherSecuritizedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" abstract="true" name="DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" abstract="true" name="DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" abstract="true" name="HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_EquityInstrumentsRiskHedgeCashFlowMember" abstract="true" name="EquityInstrumentsRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" abstract="true" name="ForeignExchangeAndGoldRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_CommoditiesRiskHedgeCashFlowMember" abstract="true" name="CommoditiesRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember" abstract="true" name="PortfolioCashFlowHedgesOfInterestRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_InstrumentsCoveredByFairValueHedgesAxis" abstract="true" name="InstrumentsCoveredByFairValueHedgesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" abstract="true" name="HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" abstract="true" name="RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" abstract="true" name="HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RecognizedInefectivenessInProfitOrLossMember" abstract="true" name="RecognizedInefectivenessInProfitOrLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" abstract="true" name="InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain" abstract="true" name="InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis" abstract="true" name="NotionalMaturitiesOfTheHedgingInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_OfWhichInterestRateFairValueHedgesMember" abstract="true" name="OfWhichInterestRateFairValueHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichInterestRateCashFlowHedgesMember" abstract="true" name="OfWhichInterestRateCashFlowHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems" abstract="true" name="NotionalMaturitiesOfTheHedgingInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_ServiciosElectronicosGlobalesSADeCVMember" abstract="true" name="ServiciosElectronicosGlobalesSADeCVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_ExchangeDifferences" abstract="false" name="ExchangeDifferences" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_DividendsValuationAdjustmentsAndOthers" abstract="false" name="DividendsValuationAdjustmentsAndOthers" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_FurnitureFixturesAndVehiclesMember" abstract="true" name="FurnitureFixturesAndVehiclesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RightToUseInvestmentPropertiesMember" abstract="true" name="RightToUseInvestmentPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" abstract="true" name="TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_TangibleAssetsBreakdownByDetailDomain" abstract="true" name="TangibleAssetsBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_DisposalOfEntitiesInTheYearMember" abstract="true" name="DisposalOfEntitiesInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_ExchangeDifferenceAndOtherTangibleAssetsMember" abstract="true" name="ExchangeDifferenceAndOtherTangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" abstract="true" name="DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_CostOfTangibleAssetsChangesInTheYear" abstract="false" name="CostOfTangibleAssetsChangesInTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_AccruedDepreciationChangesInTheYear" abstract="false" name="AccruedDepreciationChangesInTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_TangibleAssetsByGroupingSubsidiariesAxis" abstract="true" name="TangibleAssetsByGroupingSubsidiariesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" abstract="true" name="TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" abstract="true" name="ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_BreakdownByUGEsDomain" abstract="true" name="BreakdownByUGEsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" abstract="false" name="IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bbva_ImpairmentTestAssumptionsMexicoLineItems" abstract="true" name="ImpairmentTestAssumptionsMexicoLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SensitivityAnalysisForMainAssumptionsMexicoTable" abstract="true" name="SensitivityAnalysisForMainAssumptionsMexicoTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis" abstract="true" name="ImpactsOfIncreasesOrDecreasesInPercentageAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain" abstract="true" name="ImpactsOfIncreasesOrDecreasesInPercentageDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IncreaseOf50BasisPointsMember" abstract="true" name="IncreaseOf50BasisPointsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DecreaseOf50BasisPointsMember" abstract="true" name="DecreaseOf50BasisPointsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SensitivityAnalysisForMainAssumptionsMexicoLineItems" abstract="true" name="SensitivityAnalysisForMainAssumptionsMexicoLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" abstract="false" name="GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="bbva_OtherIntangibleAssetsAxis" abstract="true" name="OtherIntangibleAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherIntangibleAssetsDomain" abstract="true" name="OtherIntangibleAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IntangibleAssetsWithDefiniteUsefulLifeMember" abstract="true" name="IntangibleAssetsWithDefiniteUsefulLifeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherIntangibleAssetsLineItems" abstract="true" name="OtherIntangibleAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ChangesInOtherIntangibleAssetsTable" abstract="true" name="ChangesInOtherIntangibleAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherIntangibleAssetsChangesOfTheYearAxis" abstract="true" name="OtherIntangibleAssetsChangesOfTheYearAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TotalOfIntangibleAssetsMember" abstract="true" name="TotalOfIntangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AmortizationTransferToDiscontinuedOperations" abstract="false" name="AmortizationTransferToDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" abstract="true" name="ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationAxis" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationDomain" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReconciliationProfitOrLossBeforeTaxMember" abstract="true" name="ReconciliationProfitOrLossBeforeTaxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReconciliationIncomeTaxMember" abstract="true" name="ReconciliationIncomeTaxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TaxationAtSpanishCorporationTaxRate30PercentMember" abstract="true" name="TaxationAtSpanishCorporationTaxRate30PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" abstract="true" name="LowerEffectiveTaxRateFromForeignEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember" abstract="true" name="RevenuesWithLowerTaxRateDividendsCapitalGainsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EquityAccountedEarningsMember" abstract="true" name="EquityAccountedEarningsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherEffectsReconciliationMember" abstract="true" name="OtherEffectsReconciliationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ProfitLossBeforeTaxFromContinuingOperationsMember" abstract="true" name="ProfitLossBeforeTaxFromContinuingOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember" abstract="true" name="ProfitLossBeforeTaxFromDiscontinuedOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_EffectiveTaxPercentageOnReconciliation" abstract="false" name="EffectiveTaxPercentageOnReconciliation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_EffectiveTaxRateTable" abstract="true" name="EffectiveTaxRateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EffectiveTaxRateAxis" abstract="true" name="EffectiveTaxRateAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EffectiveTaxRateDomain" abstract="true" name="EffectiveTaxRateDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ConsolidatedTaxGroupInSpainMember" abstract="true" name="ConsolidatedTaxGroupInSpainMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherSpanishEntitiesMember" abstract="true" name="OtherSpanishEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForeignEntitiesMember" abstract="true" name="ForeignEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EffectiveTaxRateLineItems" abstract="true" name="EffectiveTaxRateLineItems" 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-types1:percentItemType"/>
  <xs:element id="bbva_TaxAssetsAndLiabilitiesTable" abstract="true" name="TaxAssetsAndLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredTaxAsssetsAndLiabilitiesAxis" abstract="true" name="DeferredTaxAsssetsAndLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredTaxAsssetsAndLiabilitiesDomain" abstract="true" name="DeferredTaxAsssetsAndLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PensionsMember" abstract="true" name="PensionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialInstrumentsMember" abstract="true" name="FinancialInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LossAllowancesMember" abstract="true" name="LossAllowancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SecuredTaxAssetsMember" abstract="true" name="SecuredTaxAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TaxLossesMember" abstract="true" name="TaxLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TaxAssetsAndLiabilitiesLineItems" abstract="true" name="TaxAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTable" abstract="true" name="DeferredTaxAssetsAndLiabilitiesAnnualVariationsTable" 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_DeferredTaxAssetsAndLiabilitiesDomain" abstract="true" name="DeferredTaxAssetsAndLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DeferredAssetsMember" abstract="true" name="DeferredAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DeferredLiabilitiesMember" abstract="true" name="DeferredLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DefferedTaxAssetsAndLiabilitiesLineItems" abstract="true" name="DefferedTaxAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DeferredTaxPensions" abstract="false" name="DeferredTaxPensions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DeferredTaxFinancialsInstruments" abstract="false" name="DeferredTaxFinancialsInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DeferredTaxOthers" abstract="false" name="DeferredTaxOthers" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DeferredTaxGuaranteedTaxAssets" abstract="false" name="DeferredTaxGuaranteedTaxAssets" nillable="true" xbrli:periodType="duration" 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_SecuredTaxAssetsLineItems" abstract="true" name="SecuredTaxAssetsLineItems" 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_SecuredLossAllowancesTaxAssets" abstract="false" name="SecuredLossAllowancesTaxAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OtherAssetsAndLiabilitiesLineItems" abstract="true" name="OtherAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_OtherAssetsAccruals" abstract="false" name="OtherAssetsAccruals" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OtherLiabilitiesLineItems" abstract="true" name="OtherLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherLiabilitiesTransactionsInProgress" abstract="false" name="OtherLiabilitiesTransactionsInProgress" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OtherItemsLiabilities" abstract="false" name="OtherItemsLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bbva_ForeclosuresAndRecoveriesMember" abstract="true" name="ForeclosuresAndRecoveriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherAssetsFromTangibleAssetsMember" abstract="true" name="OtherAssetsFromTangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CompaniesHeldForSaleMember" abstract="true" name="CompaniesHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AccruedAmortizationMember" abstract="true" name="AccruedAmortizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ImpairmentLossesMember" abstract="true" name="ImpairmentLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTable" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleDomain" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForeclosedAssetsMember" abstract="true" name="ForeclosedAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CostMember" abstract="true" name="CostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ImpairmentMember" abstract="true" name="ImpairmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_Additions" abstract="false" name="Additions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_RetirementsSalesAndOtherDecreases" abstract="false" name="RetirementsSalesAndOtherDecreases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DisposalsByCompaniesHeldForSale" abstract="false" name="DisposalsByCompaniesHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancialLiabilitiesAtAmortisedCostTable" abstract="true" name="FinancialLiabilitiesAtAmortisedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostAxis" abstract="true" name="FinancialLiabilitiesAtAmortisedCostAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostDomain" abstract="true" name="FinancialLiabilitiesAtAmortisedCostDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DemandDepositsAmortizedCostMember" abstract="true" name="DemandDepositsAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TimeDepostisAndOtherMember" abstract="true" name="TimeDepostisAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember" abstract="true" name="RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostLineItems" abstract="true" name="FinancialLiabilitiesAtAmortisedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_DepositsFromBanksBreakdownByGeographyTable" abstract="true" name="DepositsFromBanksBreakdownByGeographyTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepositsFromBanksBreakdownByGeographyAxis" abstract="true" name="DepositsFromBanksBreakdownByGeographyAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepositsFromBanksBreakdownByGeographyDomain" abstract="true" name="DepositsFromBanksBreakdownByGeographyDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TimeDepositsAndOtherMember" abstract="true" name="TimeDepositsAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DepositsFromBanksRepurchaseAgreementsMember" abstract="true" name="DepositsFromBanksRepurchaseAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_DepositsFromBanksByCountryAxis" abstract="true" name="DepositsFromBanksByCountryAxis" 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-types1:domainItemType"/>
  <xs:element id="bbva_RestOfTheWorldMember" abstract="true" name="RestOfTheWorldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DepositsFromBanksBreakdownByGeographyLineItems" abstract="true" name="DepositsFromBanksBreakdownByGeographyLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable" abstract="true" name="DepositsFromCustomersByGeographicalAreaAndInstrumentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" abstract="true" name="DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" 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-types1:domainItemType"/>
  <xs:element id="bbva_CustomerDepositsRepurchaseAgreementsMember" abstract="true" name="CustomerDepositsRepurchaseAgreementsMember" 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_CustomerDepositsByCountryDomain" abstract="true" name="CustomerDepositsByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_DebtCertificatesIssuedTable" abstract="true" name="DebtCertificatesIssuedTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_IssuedInForeignCurrencyMember" abstract="true" name="IssuedInForeignCurrencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DebtCertificatesAxis" abstract="true" name="DebtCertificatesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DebtCertificatesDomain" abstract="true" name="DebtCertificatesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PromissoryBillsAndNotesMember" abstract="true" name="PromissoryBillsAndNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonConvertibleBondsAndDebenturesMember" abstract="true" name="NonConvertibleBondsAndDebenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CoveredBonsMember" abstract="true" name="CoveredBonsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HybridFinancialInstrumentsMember" abstract="true" name="HybridFinancialInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SecurilizationBondsMember" abstract="true" name="SecurilizationBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SubordinatedLiabilitiesMember" abstract="true" name="SubordinatedLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ConvertiblePerpetualCertificatesMember" abstract="true" name="ConvertiblePerpetualCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherNonConvertibleSubordinatedLiabilitiesMember" abstract="true" name="OtherNonConvertibleSubordinatedLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DebtCertificatesIssuedLineItems" abstract="true" name="DebtCertificatesIssuedLineItems" 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_SubordinatedDeposits" abstract="false" name="SubordinatedDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_CompoundConvertibleFinancialInstruments" abstract="false" name="CompoundConvertibleFinancialInstruments" 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_OtherFinancialLiabilitiesTable" abstract="true" name="OtherFinancialLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherFinancialLiabilitiesAxis" abstract="true" name="OtherFinancialLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_OtherFinancialLiabilitiesDomain" abstract="true" name="OtherFinancialLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditorsForOtherFinancialLiabilitiesMember" abstract="true" name="CreditorsForOtherFinancialLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CollectionAccountsMember" abstract="true" name="CollectionAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditorsForOtherPaymentObligationsMember" abstract="true" name="CreditorsForOtherPaymentObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_MaturityOfFuturePaymentObligationsTable" abstract="true" name="MaturityOfFuturePaymentObligationsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaturityOfFuturePaymentObligationsAxis" abstract="true" name="MaturityOfFuturePaymentObligationsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaturityOfFuturePaymentObligationsDomain" abstract="true" name="MaturityOfFuturePaymentObligationsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_MaturityOfFuturePaymentObligationsByLeases" abstract="false" name="MaturityOfFuturePaymentObligationsByLeases" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable" abstract="true" name="LiabilitiesUnderInsuranceAndReinsuranceContractsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" abstract="true" name="LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain" abstract="true" name="LiabilitiesUnderReinsuranceAndInsuranceContractsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_InsurancesMember" abstract="true" name="InsurancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LiabilitiesForRemainingCoverageMember" abstract="true" name="LiabilitiesForRemainingCoverageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReinsurancesMember" abstract="true" name="ReinsurancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" abstract="true" name="BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain" abstract="true" name="BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RiskAdjustmentsMember" abstract="true" name="RiskAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CostServiceMarginMember" abstract="true" name="CostServiceMarginMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" abstract="true" name="LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable" abstract="true" name="LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis" abstract="true" name="LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain" abstract="true" name="LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonLifeInsuranceMember" abstract="true" name="NonLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BreakdownByTypeOfLifeInsuranceAxis" abstract="true" name="BreakdownByTypeOfLifeInsuranceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BreakdownByTypeOfLifeInsuranceDomain" abstract="true" name="BreakdownByTypeOfLifeInsuranceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IndividualLifeInsuranceMember" abstract="true" name="IndividualLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_GroupInsuranceMember" abstract="true" name="GroupInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems" abstract="true" name="LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable" abstract="true" name="VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" abstract="true" name="TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" abstract="true" name="TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" abstract="true" name="VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" abstract="false" name="ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialIncomeExpenseFromInsuranceContracts" abstract="false" name="FinancialIncomeExpenseFromInsuranceContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ExchangeRateDifferencesFromInsuranceContracts" abstract="false" name="ExchangeRateDifferencesFromInsuranceContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CashFlowsFromInsuranceAndReinsuranceContracts" abstract="false" name="CashFlowsFromInsuranceAndReinsuranceContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" abstract="true" name="VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ValuationComponentsAxis" abstract="true" name="ValuationComponentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ValuationComponentsDomain" abstract="true" name="ValuationComponentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RiskAdjustmentForInsuranceAndReinsuranceContractsMember" abstract="true" name="RiskAdjustmentForInsuranceAndReinsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" abstract="true" name="VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" abstract="false" name="LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" abstract="false" name="FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" abstract="false" name="ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" abstract="false" name="CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4Table" abstract="true" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4Table" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" abstract="true" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" abstract="true" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" abstract="true" name="CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProvisionsBreakdownByConceptsLineItems" abstract="true" name="ProvisionsBreakdownByConceptsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" abstract="true" name="ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProvisonForPensionsAndOtherPostEmploymentObligations" abstract="false" name="ProvisonForPensionsAndOtherPostEmploymentObligations" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" abstract="false" name="ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ProvisionsExpensesForPensions" abstract="false" name="ProvisionsExpensesForPensions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_BenefitPaymentsForPensions" abstract="false" name="BenefitPaymentsForPensions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" abstract="true" name="ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" abstract="false" name="AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" abstract="false" name="UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" abstract="true" name="DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_EarlyRetirementCommitments" abstract="false" name="EarlyRetirementCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PensionPlanAssets" abstract="false" name="PensionPlanAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TotalNetDefinedBenefitLiabilityAssets" abstract="false" name="TotalNetDefinedBenefitLiabilityAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ConsolidatedIncomeStatementImpactLineItems" abstract="true" name="ConsolidatedIncomeStatementImpactLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" abstract="false" name="InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_InterestIncomeBenefitCommitments" abstract="false" name="InterestIncomeBenefitCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DefinedContributionPlanExpense" abstract="false" name="DefinedContributionPlanExpense" 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_OtherPersonnelExpenseConsolidatedIncomeStatementImpact" abstract="false" name="OtherPersonnelExpenseConsolidatedIncomeStatementImpact" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_EarlyRetirementExpense" abstract="false" name="EarlyRetirementExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_RemeasurementsOnIncomeStatement" abstract="false" name="RemeasurementsOnIncomeStatement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherProvisionExpenseImpactOnIncomeStatement" abstract="false" name="OtherProvisionExpenseImpactOnIncomeStatement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_EquityImpactTable" abstract="true" name="EquityImpactTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityImpactAxis" abstract="true" name="EquityImpactAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EquityImpactDomain" abstract="true" name="EquityImpactDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DefinedBenefitPlansEquityImpactMember" abstract="true" name="DefinedBenefitPlansEquityImpactMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PostEmploymentMedicalBenefitsEquityImpactMember" abstract="true" name="PostEmploymentMedicalBenefitsEquityImpactMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EquityImpactLineItems" abstract="true" name="EquityImpactLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_DefinedBenefitLiabilityAssetByCountryAxis" abstract="true" name="DefinedBenefitLiabilityAssetByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DefinedBenefitLiabilityAssetByCountryDomain" abstract="true" name="DefinedBenefitLiabilityAssetByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NetLiabilityAssetMember" abstract="true" name="NetLiabilityAssetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_ActuarialAssumptionsPercentageTable" abstract="true" name="ActuarialAssumptionsPercentageTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ActuarialAssumptionsLineItems" abstract="true" name="ActuarialAssumptionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MortalityTables" abstract="false" name="MortalityTables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SensitivityAnalysisAxis" abstract="true" name="SensitivityAnalysisAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SensitivityAnalysisDomain" abstract="true" name="SensitivityAnalysisDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember" abstract="true" name="ChangeInObligationFromEachAdditionalYearOfLongevityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SensitivityAnalysisLineItems" abstract="true" name="SensitivityAnalysisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_BasisPointsChangeSensitivityAnalysis" abstract="false" name="BasisPointsChangeSensitivityAnalysis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_PostEmploymentCommitmentsBreakdownByCountryAxis" abstract="true" name="PostEmploymentCommitmentsBreakdownByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PostEmploymentCommitmentsBreakdownByCountryDomain" abstract="true" name="PostEmploymentCommitmentsBreakdownByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_PostEmploymentCommitmentsBreakdownByDetailDomain" abstract="true" name="PostEmploymentCommitmentsBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CurrentServiceCostMember" abstract="true" name="CurrentServiceCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_InterestIncomeOrExpenseMember" abstract="true" name="InterestIncomeOrExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ContributionsByPlanParticipantsMember" abstract="true" name="ContributionsByPlanParticipantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EmployerContributionsMember" abstract="true" name="EmployerContributionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PastServiceCostMember" abstract="true" name="PastServiceCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RemeasurementsMember" abstract="true" name="RemeasurementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ReturnOfPlanAssetsMember" abstract="true" name="ReturnOfPlanAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FromChangesInDemographicAssumptionsMember" abstract="true" name="FromChangesInDemographicAssumptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FromChangesInFinancialAssumptionsMember" abstract="true" name="FromChangesInFinancialAssumptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherActuarialGainsAndLossesMember" abstract="true" name="OtherActuarialGainsAndLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BenefitPaymentsMember" abstract="true" name="BenefitPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SettlementsPaymentsMember" abstract="true" name="SettlementsPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EffectOnChangesInForeignExchangeRatesMember" abstract="true" name="EffectOnChangesInForeignExchangeRatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ConversionsToDefinedContributionsMember" abstract="true" name="ConversionsToDefinedContributionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherEffectsPostEmploymentCommitmentsMember" abstract="true" name="OtherEffectsPostEmploymentCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember" abstract="true" name="OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" abstract="true" name="OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear" abstract="false" name="DefinedBenefitObligationAtPresentValueChangesOfTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PlanAssetsChangesOfTheYear" abstract="false" name="PlanAssetsChangesOfTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_MedicalBenefitsCommitmentsTable" abstract="true" name="MedicalBenefitsCommitmentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsAxis" abstract="true" name="MedicalBenefitsCommitmentsAxis" 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-types1:domainItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis" abstract="true" name="MedicalBenefitsCommitmentsBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain" abstract="true" name="MedicalBenefitsCommitmentsBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MedicalBenefitsCommitmentsLineItems" abstract="true" name="MedicalBenefitsCommitmentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_EstimatedBenefitPaymentsTable" abstract="true" name="EstimatedBenefitPaymentsTable" 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_EstimatedBenefitPaymentsMaturityDomain" abstract="true" name="EstimatedBenefitPaymentsMaturityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EstimatedBenefitPaymentsByCountryAxis" abstract="true" name="EstimatedBenefitPaymentsByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EstimatedBenefitPaymentsByCountryDomain" abstract="true" name="EstimatedBenefitPaymentsByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_EstimatedBenefitPaymentsLineItems" abstract="true" name="EstimatedBenefitPaymentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PlanAssetsBreakdownAxis" abstract="true" name="PlanAssetsBreakdownAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PlanAssetsBreakdownDomain" abstract="true" name="PlanAssetsBreakdownDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember" abstract="true" name="CashOrCashEquivalentsPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" abstract="true" name="DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_StructuredDebtMember" abstract="true" name="StructuredDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_InsuranceContractsPlanAssetsBreakdownMember" abstract="true" name="InsuranceContractsPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalPlanAssetsBreakdownMember" abstract="true" name="TotalPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" abstract="true" name="OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" abstract="true" name="OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" abstract="true" name="OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PlanAssetsBreakdownLineItems" abstract="true" name="PlanAssetsBreakdownLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InvestmentInListedMarketsTable" abstract="true" name="InvestmentInListedMarketsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InvestmentInListedMarketsAxis" abstract="true" name="InvestmentInListedMarketsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InvestmentInListedMarketsDomain" abstract="true" name="InvestmentInListedMarketsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CashOrCashEquivalentsInListedMarketsMember" abstract="true" name="CashOrCashEquivalentsInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember" abstract="true" name="DebtSecuritiesGovernmentBondsInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalInvestmentsInListedMarketsMember" abstract="true" name="TotalInvestmentsInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichBankAccountInBBVAInListedMarketsMember" abstract="true" name="OfWhichBankAccountInBBVAInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" abstract="true" name="OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" abstract="true" name="OfWhichPropertyOccupiedByBBVAInListedMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_InvestmentInListedMarkets" abstract="false" name="InvestmentInListedMarkets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" abstract="true" name="DisclosureOfRetainedEarningsAndOtherReservesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_VoluntaryReserves" abstract="false" name="VoluntaryReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" abstract="false" name="ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalRetainedEarningsRevaluationReservesAndOtherReserves" abstract="false" name="TotalRetainedEarningsRevaluationReservesAndOtherReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_RestrictedReservesBreakdownByConceptsLineItems" abstract="true" name="RestrictedReservesBreakdownByConceptsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" abstract="false" name="RestrictedReserveForParentCompanySharesAndLoansForThoseShares" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TotalRestrictedReserves" abstract="false" name="TotalRestrictedReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" abstract="true" name="BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ListOfGroupAndSubsidiariesAxis" abstract="true" name="ListOfGroupAndSubsidiariesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ListOfGroupAndSubsidiariesDomain" abstract="true" name="ListOfGroupAndSubsidiariesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HoldingCompanyMember" abstract="true" name="HoldingCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAMexicoGroupMember" abstract="true" name="BBVAMexicoGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVABancoProvincialGroupMember" abstract="true" name="BBVABancoProvincialGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAArgentineGroupMember" abstract="true" name="BBVAArgentineGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAColombiaGroupMember" abstract="true" name="BBVAColombiaGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAPeruGroupMember" abstract="true" name="BBVAPeruGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForumChileGroupMember" abstract="true" name="ForumChileGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAUruguayGroupMember" abstract="true" name="BBVAUruguayGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVAmericaSLMember" abstract="true" name="BBVAmericaSLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CorporacionGeneralFinancieraSAMember" abstract="true" name="CorporacionGeneralFinancieraSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVASegurosSAMember" abstract="true" name="BBVASegurosSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BilbaoVizcayaHoldingSAMember" abstract="true" name="BilbaoVizcayaHoldingSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BBVATecnologyAmericaS.A.Member" abstract="true" name="BBVATecnologyAmericaS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_PecriInversionSLMember" abstract="true" name="PecriInversionSLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AnidaOperacionesSingularesSAMember" abstract="true" name="AnidaOperacionesSingularesSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherRealStateSpanishCompaniesMember" abstract="true" name="OtherRealStateSpanishCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember" abstract="true" name="OtherRetainedEarningsLossesAndRevaluationReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" abstract="true" name="OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" abstract="true" name="RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" abstract="false" name="TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TreasurySharesTable" abstract="true" name="TreasurySharesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TreasurySharesByEntitiesAxis" abstract="true" name="TreasurySharesByEntitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TreasurySharesByEntitiesDomain" abstract="true" name="TreasurySharesByEntitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HeldByBBVAMember" abstract="true" name="HeldByBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HeldByCorporacionGeneralFinancieraSAMember" abstract="true" name="HeldByCorporacionGeneralFinancieraSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HeldByOtherSubsidiariesMember" abstract="true" name="HeldByOtherSubsidiariesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AmountInMillionsOfEurosAxis" abstract="true" name="AmountInMillionsOfEurosAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AmountInMillionsOfEurosDomain" abstract="true" name="AmountInMillionsOfEurosDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MillionsOfEurosMember" abstract="true" name="MillionsOfEurosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_NumberOfTreasuryShares" abstract="false" name="NumberOfTreasuryShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bbva_AveragePurchasesInEuros" abstract="false" name="AveragePurchasesInEuros" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AverageSellingPriceInEuros" abstract="false" name="AverageSellingPriceInEuros" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NetGainsOrLossesOnTransactions" abstract="false" name="NetGainsOrLossesOnTransactions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TreasurySharesChangesOverTheYearLineItems" abstract="true" name="TreasurySharesChangesOverTheYearLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NumberOfPurchasesOfTreasuryShares" abstract="false" name="NumberOfPurchasesOfTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PurchasesOfTreasurySharesInMillionsOfEuros" abstract="false" name="PurchasesOfTreasurySharesInMillionsOfEuros" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NumberOfSalesAndOtherChangesInTreasuryShares" abstract="false" name="NumberOfSalesAndOtherChangesInTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" abstract="false" name="SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TreasuryStockTable" abstract="true" name="TreasuryStockTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_RangesTreasuryStockDomain" abstract="true" name="RangesTreasuryStockDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ClosingRangeMember" abstract="true" name="ClosingRangeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TreasuryStockLineItems" abstract="true" name="TreasuryStockLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_PercentageTreasuryStock" abstract="false" name="PercentageTreasuryStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_SharesOfBBVAAcceptedInPledgeLineItems" abstract="true" name="SharesOfBBVAAcceptedInPledgeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NumberOfSharesInPledge" abstract="false" name="NumberOfSharesInPledge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" abstract="false" name="PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" abstract="true" name="SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NumberOfSharesOwnedByThirdParties" abstract="false" name="NumberOfSharesOwnedByThirdParties" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" abstract="false" name="PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_AccumulatedOtherComprehensiveIncomeTable" abstract="true" name="AccumulatedOtherComprehensiveIncomeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_VenezuelaBolivarMember" abstract="true" name="VenezuelaBolivarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherExchangesMember" abstract="true" name="OtherExchangesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" abstract="true" name="AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_HedgingDerivativesCashFlowHedgesEffectivePortion" abstract="false" name="HedgingDerivativesCashFlowHedgesEffectivePortion" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_MinorityInterestNonControllingInterestTable" abstract="true" name="MinorityInterestNonControllingInterestTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MinorityInterestAxis" abstract="true" name="MinorityInterestAxis" 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-types1:domainItemType"/>
  <xs:element id="bbva_BBVAGarantiMember" abstract="true" name="BBVAGarantiMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_PeruBBVAMember" abstract="true" name="PeruBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ArgentinaBBVAMember" abstract="true" name="ArgentinaBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ColombiaBBVAMember" abstract="true" name="ColombiaBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_VenezuelaBBVAMember" abstract="true" name="VenezuelaBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherEntitiesBBVAMember" abstract="true" name="OtherEntitiesBBVAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MinorityInterestsNonControllingInterestsLineItems" abstract="true" name="MinorityInterestsNonControllingInterestsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProfitAttributableToNonControllingInterestsTable" abstract="true" name="ProfitAttributableToNonControllingInterestsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_EligibleCapitalResourcesLineItems" abstract="true" name="EligibleCapitalResourcesLineItems" 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_ShareholdersFundsEligibleCapitalResources" abstract="false" name="ShareholdersFundsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" abstract="false" name="DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OtherAdjustmentsAndDeductionsEligibleCapitalResources" abstract="false" name="OtherAdjustmentsAndDeductionsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" abstract="false" name="AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" abstract="false" name="TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" nillable="true" xbrli:periodType="instant" 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_Tier2EligibleCapitalResources" abstract="false" name="Tier2EligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TotalMinimumEquityRequiredEligibleCapitalResources" abstract="false" name="TotalMinimumEquityRequiredEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_AmountOfCapitalCC1Table" abstract="true" name="AmountOfCapitalCC1Table" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AmountOfCapitalCC1Axis" abstract="true" name="AmountOfCapitalCC1Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_AmountOfCapitalCC1Domain" abstract="true" name="AmountOfCapitalCC1Domain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CapitalAndSharePremiumMember" abstract="true" name="CapitalAndSharePremiumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RetainedEarningsAndEquityInstrumentsMember" abstract="true" name="RetainedEarningsAndEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherAccumulatedIncomeAndOtherReservesMember" abstract="true" name="OtherAccumulatedIncomeAndOtherReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_MinorityInterestsMember" abstract="true" name="MinorityInterestsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NetInterimAttributableProfitMember" abstract="true" name="NetInterimAttributableProfitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" abstract="true" name="CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" abstract="true" name="DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DeferredTaxAssetsMember" abstract="true" name="DeferredTaxAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherDeductionsAndFiltersMember" abstract="true" name="OtherDeductionsAndFiltersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember" abstract="true" name="TotalCommonEquityTier1RegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CommonEquityTIER1CET1Member" abstract="true" name="CommonEquityTIER1CET1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" abstract="true" name="CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" abstract="true" name="QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember" abstract="true" name="AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TransitionalCET1AdjustmentsMember" abstract="true" name="TransitionalCET1AdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member" abstract="true" name="TotalRegulatoryAdjustmentsToAdditionalTier1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AdditionalTier1AT1Member" abstract="true" name="AdditionalTier1AT1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" abstract="true" name="CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" abstract="true" name="QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditRiskAdjustmentsMember" abstract="true" name="CreditRiskAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Tier2BeforeRegulatoryAdjustmentsMember" abstract="true" name="Tier2BeforeRegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Tier2RegulatoryAdjustmentsMember" abstract="true" name="Tier2RegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Tier2AfterRegulatoryAdjustmentsMember" abstract="true" name="Tier2AfterRegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_CET1PhasedInMember" abstract="true" name="CET1PhasedInMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_Tier1PhasedInMember" abstract="true" name="Tier1PhasedInMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TotalCapitalPhasedInMember" abstract="true" name="TotalCapitalPhasedInMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AmountOfCapitalCC1LineItems" abstract="true" name="AmountOfCapitalCC1LineItems" 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_TotalCapitalTier2" abstract="false" name="TotalCapitalTier2" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TotalRWA" abstract="false" name="TotalRWA" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_PercentageRatioPhaseIn" abstract="false" name="PercentageRatioPhaseIn" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bbva_LeverageRatioLineItems" abstract="true" name="LeverageRatioLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_ExposureToLeverageRatio" abstract="false" name="ExposureToLeverageRatio" nillable="true" xbrli:periodType="instant" 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-types1:percentItemType"/>
  <xs:element id="bbva_CommitmentsAndGuaranteesGivenTable" abstract="true" name="CommitmentsAndGuaranteesGivenTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DefaultedMember" abstract="true" name="DefaultedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_BanksMember" abstract="true" name="BanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FinancialGuaranteesAndOtherCommitmentsLineItems" abstract="true" name="FinancialGuaranteesAndOtherCommitmentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_TransactionsOnBehalfOfThirdPartiesLineItems" abstract="true" name="TransactionsOnBehalfOfThirdPartiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_ConditionalBillsAndOtherSecuritiesReceivedForCollection" abstract="false" name="ConditionalBillsAndOtherSecuritiesReceivedForCollection" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TotalTransactionsOnBehalfOfThirdParties" abstract="false" name="TotalTransactionsOnBehalfOfThirdParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_InterestIncomeByOriginLineItems" abstract="true" name="InterestIncomeByOriginLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_FinancialAssetsAtAmortizedCostInterestAndOtherIncome" abstract="false" name="FinancialAssetsAtAmortizedCostInterestAndOtherIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_InterestIncomeForAdjustmentInterestOnAccountingCoverage" abstract="false" name="InterestIncomeForAdjustmentInterestOnAccountingCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_InterestExpenseByOriginLineItems" abstract="true" name="InterestExpenseByOriginLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_InterestExpenseForAdjustmentInterestOnAccountingCoverage" abstract="false" name="InterestExpenseForAdjustmentInterestOnAccountingCoverage" nillable="true" xbrli:periodType="duration" 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_InterestExpenseOnChargeableCostToPensionFunds" abstract="false" name="InterestExpenseOnChargeableCostToPensionFunds" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherInterestExpense" abstract="false" name="OtherInterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_DividendsRevenueTable" abstract="true" name="DividendsRevenueTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DividendIncomeBreakdownByHeadlineLineItems" abstract="true" name="DividendIncomeBreakdownByHeadlineLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FeeAndCommissionIncomeLineItems" abstract="true" name="FeeAndCommissionIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_DemandAccount" abstract="false" name="DemandAccount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_Checks" abstract="false" name="Checks" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_InsuranceProductCommissions" abstract="false" name="InsuranceProductCommissions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OtherCommitmentsAndFinancialGuaranteesGiven" abstract="false" name="OtherCommitmentsAndFinancialGuaranteesGiven" nillable="true" xbrli:periodType="duration" 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_FeeAndCommissionExpenseLineItems" abstract="true" name="FeeAndCommissionExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_CreditAndDebitCardsExpenses" abstract="false" name="CreditAndDebitCardsExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_CommissionsForSellingInsurance" abstract="false" name="CommissionsForSellingInsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" abstract="false" name="SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" 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_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" abstract="true" name="FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" abstract="true" name="ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" abstract="true" name="ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems" abstract="true" name="GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems" 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_DerivativesHedgeAccountingTable" abstract="true" name="DerivativesHedgeAccountingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_DerivativesHedgeAccountingDomain" abstract="true" name="DerivativesHedgeAccountingDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_InterestRateAgreementsHedgeAccountingMember" abstract="true" name="InterestRateAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_SecuritiesAgreementsHedgeAccountingMember" abstract="true" name="SecuritiesAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CreditDerivativeAgreementsHedgeAccountingMember" abstract="true" name="CreditDerivativeAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForeignExchangeAgreementsHedgeAccountingMember" abstract="true" name="ForeignExchangeAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherAgreementsHedgeAccountingMember" abstract="true" name="OtherAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_FairValueHedgesIneffectivenesMember" abstract="true" name="FairValueHedgesIneffectivenesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HedgingDerivativeFairValueIneffectivenessMember" abstract="true" name="HedgingDerivativeFairValueIneffectivenessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HedgedItemFairValueIneffectivenessMember" abstract="true" name="HedgedItemFairValueIneffectivenessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_CashFlowHedgesIneffectivenessMember" abstract="true" name="CashFlowHedgesIneffectivenessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis" abstract="true" name="GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" abstract="true" name="GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TradingDerivativesHedgeAccountingMember" abstract="true" name="TradingDerivativesHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HedgingDerivativesIneffectivenessMember" abstract="true" name="HedgingDerivativesIneffectivenessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccountingLineItems" abstract="true" name="DerivativesHedgeAccountingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DerivativesHedgeAccounting" abstract="false" name="DerivativesHedgeAccounting" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_FinancialIncomeFromNonFinancialServices" abstract="false" name="FinancialIncomeFromNonFinancialServices" 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_ChangeInInventories" abstract="false" name="ChangeInInventories" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_HiperinflationAdjustmentsOtherOperatingExpense" abstract="false" name="HiperinflationAdjustmentsOtherOperatingExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems" abstract="true" name="InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NetIncomeArisingFromInsuranceContracts" abstract="false" name="NetIncomeArisingFromInsuranceContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_IncomeByTypeOfInsuranceProductTable" abstract="true" name="IncomeByTypeOfInsuranceProductTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InsuranceTypologyAxis" abstract="true" name="InsuranceTypologyAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_InsuranceTypologyDomain" abstract="true" name="InsuranceTypologyDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_LifeInsuranceContractsMember" abstract="true" name="LifeInsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IndividualLifeInsuranceContractsMember" abstract="true" name="IndividualLifeInsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_GroupInsuranceLifeInsuranceContractsMember" abstract="true" name="GroupInsuranceLifeInsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonlifeInsuranceContractsMember" abstract="true" name="NonlifeInsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_HomeInsuranceNonLifeInsuranceContractsMember" abstract="true" name="HomeInsuranceNonLifeInsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherNonLifeInsuranceProductsMember" abstract="true" name="OtherNonLifeInsuranceProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IncomeByTypeOfInsuranceProductLineItems" abstract="true" name="IncomeByTypeOfInsuranceProductLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_PersonnelExpensesLineItems" abstract="true" name="PersonnelExpensesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DefinedBenefitPlanExpense" abstract="false" name="DefinedBenefitPlanExpense" 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_TechnologyAndSystems" abstract="false" name="TechnologyAndSystems" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TaxesOtherThanIncomeTax" abstract="false" name="TaxesOtherThanIncomeTax" nillable="true" xbrli:periodType="duration" 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_DepreciationTable" abstract="true" name="DepreciationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepreciableAssetsAxis" abstract="true" name="DepreciableAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DepreciableAssetsDomain" abstract="true" name="DepreciableAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TangibleAssetsMember" abstract="true" name="TangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ForOwnUseDepreciableAssetsMember" abstract="true" name="ForOwnUseDepreciableAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_IntanbileAssetsMember" abstract="true" name="IntanbileAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DepreciationLineItems" abstract="true" name="DepreciationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ProvisionsOrReversalOfProvisionsLineItems" abstract="true" name="ProvisionsOrReversalOfProvisionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_CommitmentsAndGuaranteesGiven" abstract="false" name="CommitmentsAndGuaranteesGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OtherProvisionsOrReversalOfProvisions" abstract="false" name="OtherProvisionsOrReversalOfProvisions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" abstract="true" name="DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" abstract="true" name="DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_NetGainsLossOnSalesOfRealState" abstract="false" name="NetGainsLossOnSalesOfRealState" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" abstract="false" name="GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_LiabilitiesFromFinancingActivitiesTable" abstract="true" name="LiabilitiesFromFinancingActivitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis" abstract="true" name="ChangesInLiabilitiesFromFinancingActivitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain" abstract="true" name="ChangesInLiabilitiesFromFinancingActivitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DebtCertificatesMember" abstract="true" name="DebtCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonCashChangesFromFinancingActivitiesAxis" abstract="true" name="NonCashChangesFromFinancingActivitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_NonCashChangesFromFinancingActivitiesDomain" abstract="true" name="NonCashChangesFromFinancingActivitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonCashChangesInLiabilitiesFromAcquisitionMember" abstract="true" name="NonCashChangesInLiabilitiesFromAcquisitionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonCashChangesInLiabilitiesFromDisposalMember" abstract="true" name="NonCashChangesInLiabilitiesFromDisposalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember" abstract="true" name="NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" abstract="true" name="NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember" abstract="true" name="NonCashChangesInLiabilitiesFromFairValueChangesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_CashFlowsLiabilitiesFromFinancingActivities" abstract="false" name="CashFlowsLiabilitiesFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_NonCashChangesLiabilitiesFromFinancingActivities" abstract="false" name="NonCashChangesLiabilitiesFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit" abstract="false" name="AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" abstract="false" name="OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" nillable="true" xbrli:periodType="duration" 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"/>
  <xs:element id="bbva_OtherServicesRenderedLineItems" abstract="true" name="OtherServicesRenderedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_FirmsBelongingToTheEYWorldwideOrganization" abstract="false" name="FirmsBelongingToTheEYWorldwideOrganization" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FeesForAuditsConductedLineItems" abstract="true" name="FeesForAuditsConductedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl" abstract="false" name="LegalAuditOfBbvaSaOrItsCompaniesUnderControl" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" abstract="false" name="LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AssuranceServicesAndOtherRequiredByTheRegulator" abstract="false" name="AssuranceServicesAndOtherRequiredByTheRegulator" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" abstract="true" name="BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_MemorandumAccountsMember" abstract="true" name="MemorandumAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_DepositsFromCreditInstitutions" abstract="false" name="DepositsFromCreditInstitutions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_FinancialGuaranteesGivenRelatedPartyTransactions" abstract="false" name="FinancialGuaranteesGivenRelatedPartyTransactions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_OtherCommitmentsGivenRelatedPartyTransactions" abstract="false" name="OtherCommitmentsGivenRelatedPartyTransactions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ProfitAndLossRelatedPartyTransactionsLineItems" abstract="true" name="ProfitAndLossRelatedPartyTransactionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_InterestExpenseRelatedPartyTransactions" abstract="false" name="InterestExpenseRelatedPartyTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FeeAndCommissionExpenseRelatedPartyTransactions" abstract="false" name="FeeAndCommissionExpenseRelatedPartyTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bbva_BalanceAt31stDecemberOfEachYearTable" abstract="true" name="BalanceAt31stDecemberOfEachYearTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_TypeOfMembersAxis" abstract="true" name="TypeOfMembersAxis" 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-types1:domainItemType"/>
  <xs:element id="bbva_SeniorManagementMember" abstract="true" name="SeniorManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RelatedPartiesOfSeniorManagementMember" abstract="true" name="RelatedPartiesOfSeniorManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_LoansAndCreditsToRelatedParties" abstract="false" name="LoansAndCreditsToRelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_BusinessCreditToRelatedParties" abstract="false" name="BusinessCreditToRelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_RemunerationForNonExecutiveDirectorsAxis" abstract="true" name="RemunerationForNonExecutiveDirectorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bbva_RemunerationForNonExecutiveDirectorsDomain" abstract="true" name="RemunerationForNonExecutiveDirectorsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_ExecutiveCommitteeMembersMember" abstract="true" name="ExecutiveCommitteeMembersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bbva_AuditAndComplianceCommitteeMember" abstract="true" name="AuditAndComplianceCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RiskCommitteeMember" abstract="true" name="RiskCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_RemunerationCommitteeMember" abstract="true" name="RemunerationCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_AppointmentsCommitteeMember" abstract="true" name="AppointmentsCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_TechnologyAndCybersecurityCommitteeMember" abstract="true" name="TechnologyAndCybersecurityCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_OtherPositionsMember" abstract="true" name="OtherPositionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bbva_DirectorsAxis" abstract="true" name="DirectorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory_027a6799-a439-48f4-9b8f-ec1d8685e173_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock_2dc349da-afcd-4751-b17f-64d3a82392f1_terseLabel_en-US" xlink:label="lab_bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Base scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block]</link:label>
    <link:label id="lab_bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock_label_en-US" xlink:label="lab_bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Base scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block]</link:label>
    <link:label id="lab_bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Base scenario of GDP, unemployment rate and HPI for the main geographies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:to="lab_bbva_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForGoodwillPolicyTextBlock_fe3ab772-a193-46cd-835d-043634fcd8e9_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policy for goodwill [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForGoodwillPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting policy for goodwill [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForGoodwillPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accounting policy for goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForGoodwillPolicyTextBlock" xlink:href="bbva-20241231.xsd#bbva_AccountingPolicyForGoodwillPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForGoodwillPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForGoodwillPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredShareRemunerationSystemLineItems_56af5a96-a59f-4f15-920a-a7a2e2356844_terseLabel_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred share Remuneration system [Line Items]</link:label>
    <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" 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" xml:lang="en-US">Deferred share Remuneration system</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredShareRemunerationSystemLineItems" xlink:href="bbva-20241231.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_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost_41b9651f-faab-404d-b008-4a15e979e7bf_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments For Decrease Increase In Financial Assets At Amortised Cost</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in financial assets measured at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:to="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepreciableAssetsAxis_1eeb9d02-36ac-49e9-81ef-b12b77a2db16_terseLabel_en-US" xlink:label="lab_bbva_DepreciableAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Depreciable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciableAssetsAxis" xlink:href="bbva-20241231.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_fd122864-0906-4296-a332-8b88694bf4a9_terseLabel_en-US" xlink:label="lab_bbva_PercentageEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Percentage effective tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageEffectiveTaxRate" xlink:href="bbva-20241231.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_BBVAMexicoMember_cf5de125-7e6c-40cf-a0ac-775f435d7994_terseLabel_en-US" xlink:label="lab_bbva_BBVAMexicoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA Mexico</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAMexicoMember" xlink:href="bbva-20241231.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_bbva_HousingPriceOver100Bp_ad6cdf00-2826-4677-b899-348929a4b397_terseLabel_en-US" xlink:label="lab_bbva_HousingPriceOver100Bp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Housing price over100 bp</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HousingPriceOver100Bp" xlink:href="bbva-20241231.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_9f995d7d-f4a0-4c06-96cb-8b658bc1e30e_terseLabel_en-US" xlink:label="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_917cb7ac-acbf-4b0a-9200-81e23eb955b9_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilityAssetByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_currency_MXN_ffc5558a-ab74-4ef2-a928-2e190bb8336e_terseLabel_en-US" xlink:label="lab_currency_MXN" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/currency-2024.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_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources_cacb2303-1fcc-4425-9770-ffb054f8905d_terseLabel_en-US" xlink:label="lab_bbva_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_dei_TradingSymbol_97c1af03-e8c5-4bd4-8b4d-e8b84ff5d491_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_PensionCommitmentsWithMembersOfSeniorManagementDomain_0a14e416-e0ca-4527-b8c1-72b52fc21d7f_terseLabel_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_4dfcff71-7e8f-43f3-a45f-ec3112c5f3dd_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAndOtherAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_DepositsAtAmortisedCost_cfd4dc81-484b-4484-a12e-ca22fb43b647_terseLabel_en-US" xlink:label="lab_ifrs-full_DepositsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits at amortised cost</link:label>
    <link:label id="lab_ifrs-full_DepositsAtAmortisedCost_ab6e265f-f3f3-4220-a426-855068c5e926_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DepositsAtAmortisedCost" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Deposits at amortized cost</link:label>
    <link:label id="lab_ifrs-full_DepositsAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_DepositsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepositsAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DepositsAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepositsAtAmortisedCost" xlink:to="lab_ifrs-full_DepositsAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet_3f8a086f-782c-4f07-b24f-69bc68aa06e3_terseLabel_en-US" xlink:label="lab_bbva_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_FinancialAssetsAtAmortisedCostCategoryMember_87d2bd13-5e9b-446d-9033-16ba15886b40_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost, category [member]</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:to="lab_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OrdinarySharesMember_857c4c95-6b68-4aba-b5e9-75db43a092ea_terseLabel_en-US" xlink:label="lab_ifrs-full_OrdinarySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_MaximumCreditRiskExposureDomain_43a6b2f5-b0c5-45cb-aa1d-5e33ffd7c1e3_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maximum credit risk exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureDomain" xlink:href="bbva-20241231.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_d03a135d-a1a0-45c7-b716-44e685162fb1_terseLabel_en-US" xlink:label="lab_bbva_NegativeGoodwillRecognisedInProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_005c1874-4a75-47a8-a4da-8fc5fe688da9_terseLabel_en-US" xlink:label="lab_bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_6bb01d25-b689-4449-bb86-18ecc335a668_terseLabel_en-US" xlink:label="lab_bbva_DepreciationAndAmortisationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Depreciation And Amortisation Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationAndAmortisationExpenseTableTextBlock" xlink:href="bbva-20241231.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_b130d7f1-e953-488d-b2a0-ebb74d85363c_terseLabel_en-US" xlink:label="lab_bbva_LeverageRatioTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Leverage Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LeverageRatioTableTextBlock" xlink:href="bbva-20241231.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_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember_a76873bf-56e9-45c1-942b-031b34b3e768_terseLabel_en-US" xlink:label="lab_bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_cf9d3a2b-1d59-41ef-bb68-714e37c8d6d3_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementFundsAccumulated" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Senior management funds accumulated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementFundsAccumulated" xlink:href="bbva-20241231.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_90007365-bbbb-4129-a1d0-ddc05e365432_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_Tier2_7dba6ad8-c20a-4868-95eb-ebe614dc68d1_terseLabel_en-US" xlink:label="lab_bbva_Tier2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 2</link:label>
    <link:label id="lab_bbva_Tier2_label_en-US" xlink:label="lab_bbva_Tier2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier 2</link:label>
    <link:label id="lab_bbva_Tier2_documentation_en-US" xlink:label="lab_bbva_Tier2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier2" xlink:href="bbva-20241231.xsd#bbva_Tier2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Tier2" xlink:to="lab_bbva_Tier2" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PaymentsFromFinancingActivities_4631d575-cdef-4c53-9f58-34469ddf0995_totalLabel_en-US" xlink:label="lab_bbva_PaymentsFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Payments from financing activities</link:label>
    <link:label id="lab_bbva_PaymentsFromFinancingActivities_label_en-US" xlink:label="lab_bbva_PaymentsFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments from financing activities</link:label>
    <link:label id="lab_bbva_PaymentsFromFinancingActivities_documentation_en-US" xlink:label="lab_bbva_PaymentsFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PaymentsFromFinancingActivities" xlink:href="bbva-20241231.xsd#bbva_PaymentsFromFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PaymentsFromFinancingActivities" xlink:to="lab_bbva_PaymentsFromFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Tier1_f8d8e4ed-8362-4b2b-8a13-bb050f51e1b7_terseLabel_en-US" xlink:label="lab_bbva_Tier1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Tier 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier1" xlink:href="bbva-20241231.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_d465560b-fa96-4be5-baee-c4c850097645_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccounting" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Derivatives- hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccounting" xlink:href="bbva-20241231.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_d661020f-1ad2-44e5-8365-4c0590e297cf_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deposits from banks by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksByCountryDomain" xlink:href="bbva-20241231.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_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities_f725156d-c9de-48b2-9f52-ec7036a7560a_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers into Level 3 of fair value hierarchy, liabilities</link:label>
    <link:label id="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities_label_en-US" xlink:label="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers into Level 3 of fair value hierarchy, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:to="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet_e8632922-0084-4343-8546-b85d8c5a5c72_terseLabel_en-US" xlink:label="lab_bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains(losses) on derecognized of non financial assets and subsidiaries net</link:label>
    <link:label id="lab_bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet_label_en-US" xlink:label="lab_bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains(losses) on derecognition of non financial assets and subsidiaries net</link:label>
    <link:label id="lab_bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet_documentation_en-US" xlink:label="lab_bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains(losses) on derecognition of non financial assets and subsidiaries net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" xlink:href="bbva-20241231.xsd#bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" xlink:to="lab_bbva_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConversionsToDefinedContributionsMember_06e17f96-aec4-49aa-a69d-4c201740c42c_terseLabel_en-US" xlink:label="lab_bbva_ConversionsToDefinedContributionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Conversions to defined contributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConversionsToDefinedContributionsMember" xlink:href="bbva-20241231.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_bbva_UnobservableInputsTableTextBlock_08864ac2-e9f8-4734-97fc-ba8943400bb2_terseLabel_en-US" xlink:label="lab_bbva_UnobservableInputsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Unobservable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnobservableInputsTableTextBlock" xlink:href="bbva-20241231.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_7ee6a61f-f194-42c0-b196-7f7caedb05e1_terseLabel_en-US" xlink:label="lab_bbva_SecuredFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Secured financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredFinancialInstrumentsAxis" xlink:href="bbva-20241231.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_DisclosureOfProvisionsExplanatory_17d5e42c-55a3-4e6f-98dc-083c8de697d4_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember_624b49ce-8d51-4e24-9348-8065ccb9ac1a_terseLabel_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash changes from disposals by companies held for sale [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember_label_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from disposals by companies held for sale [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember_documentation_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from disposals by companies held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember" xlink:href="bbva-20241231.xsd#bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember" xlink:to="lab_bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransferredFinancialLiabilitiesAxis_7b6f6781-0577-45d6-be81-e0c76f8f5f14_terseLabel_en-US" xlink:label="lab_bbva_TransferredFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Transferred financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferredFinancialLiabilitiesAxis" xlink:href="bbva-20241231.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_bbva_CurrentServiceCostMember_fd005d4f-850d-4334-b0a8-f8637402f2be_terseLabel_en-US" xlink:label="lab_bbva_CurrentServiceCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Current service cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CurrentServiceCostMember" xlink:href="bbva-20241231.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_bbva_DecreaseOf50BasisPointsMember_f04db3aa-4756-4308-aace-4429221ad654_terseLabel_en-US" xlink:label="lab_bbva_DecreaseOf50BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Decrease of 50 basis points</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseOf50BasisPointsMember" xlink:href="bbva-20241231.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_760f1b3f-1faa-4ce5-b377-ffa2b61aea4d_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsTableTextBlock" xlink:href="bbva-20241231.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_4db122d7-ef8b-475b-9b4a-7a1e7e94c02c_terseLabel_en-US" xlink:label="lab_bbva_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_A2018Member_677dc022-7908-4846-8fce-55eb64f12d45_terseLabel_en-US" xlink:label="lab_bbva_A2018Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">2018</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2018Member" xlink:href="bbva-20241231.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_cb0973fe-f667-4b50-ab62-1a7546888c9b_terseLabel_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_AcquisitionsDisposalsAndLiquidations_ec39626e-8110-4bdf-81d6-1d0de60ed767_terseLabel_en-US" xlink:label="lab_bbva_AcquisitionsDisposalsAndLiquidations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Acquisitions disposals and liquidations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AcquisitionsDisposalsAndLiquidations" xlink:href="bbva-20241231.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_7fe91335-e151-4003-8510-a49e15ee12b3_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Post employment commitments breakdown by country [Axis]</link:label>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis_documentation_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Post employment commitments breakdown by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis" xlink:href="bbva-20241231.xsd#bbva_PostEmploymentCommitmentsBreakdownByCountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis" xlink:to="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems_label_en-US" xlink:label="lab_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument [Line Items]</link:label>
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    <link:label id="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share of other recognized income and expense of investments in joint ventures and associates that may be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share of other recognized income and expense of investments in joint ventures and associates that may be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset_a14095d0-418f-4856-b580-d854b5111ff1_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_NetAnnualOriginationOfFinancialAssets_29b68cd7-c896-434a-bc89-138ca4c639ea_terseLabel_en-US" xlink:label="lab_bbva_NetAnnualOriginationOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net annual origination of financial assets</link:label>
    <link:label id="lab_bbva_NetAnnualOriginationOfFinancialAssets_label_en-US" xlink:label="lab_bbva_NetAnnualOriginationOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net annual origination of financial assets</link:label>
    <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" xml:lang="en-US">Net annual origination of financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetAnnualOriginationOfFinancialAssets" xlink:href="bbva-20241231.xsd#bbva_NetAnnualOriginationOfFinancialAssets"/>
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    <link:label id="lab_bbva_OptionModelsOnEquitiesBasketsOfEquityFundsMember_75aa5ef2-473c-4276-a8ec-c554302119d6_terseLabel_en-US" xlink:label="lab_bbva_OptionModelsOnEquitiesBasketsOfEquityFundsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Option models on equities baskets of equity funds [Member]</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" 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-20241231.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_ifrs-full_DisclosureOfReservesWithinEquityAbstract_65376f43-0524-48eb-aeb1-7110cd6c36ed_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReservesWithinEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reserves within equity [abstract]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReservesWithinEquityAbstract_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReservesWithinEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reserves within equity [abstract]</link:label>
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    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory_2f4d64b9-e413-4722-acf1-332c05125618_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of fair value of financial instruments [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of fair value of financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory"/>
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    <link:label id="lab_bbva_CreditDerivativeAgreementsHedgeAccountingMember_b9e42f41-7153-46c7-bb77-3223a7be4838_terseLabel_en-US" xlink:label="lab_bbva_CreditDerivativeAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Credit derivative agreements hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditDerivativeAgreementsHedgeAccountingMember" xlink:href="bbva-20241231.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_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_8039ba4f-76f5-4f52-9798-b37f8ea6703c_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from interest expense (income)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset"/>
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    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsDomain_0a13308d-e9b1-4088-b148-8ab33d0f40fe_terseLabel_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets of the Group by operating segments [Domain]</link:label>
    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsDomain_label_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets of the Group by operating segments [Domain]</link:label>
    <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" 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-20241231.xsd#bbva_AssetsOfTheGroupByOperatingSegmentsDomain"/>
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    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_e5c9ed9e-ab47-45bb-bfd5-d53c0b21f16b_terseLabel_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems_172c2459-57d5-4267-be81-aee5ceec563f_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems"/>
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    <link:label id="lab_bbva_ReverseRepurchaseAgreementsMember_a7c74f59-95b5-4dc0-9519-e98041a90ee1_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Reverse repurchase agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReverseRepurchaseAgreementsMember" xlink:href="bbva-20241231.xsd#bbva_ReverseRepurchaseAgreementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReverseRepurchaseAgreementsMember" xlink:to="lab_bbva_ReverseRepurchaseAgreementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AverageSellingPriceInEuros_158b2cc9-d23f-4ee0-b5ad-7ca38a9d7be5_terseLabel_en-US" xlink:label="lab_bbva_AverageSellingPriceInEuros" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average selling price in Euros</link:label>
    <link:label id="lab_bbva_AverageSellingPriceInEuros_label_en-US" xlink:label="lab_bbva_AverageSellingPriceInEuros" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average selling price in Euros</link:label>
    <link:label id="lab_bbva_AverageSellingPriceInEuros_documentation_en-US" xlink:label="lab_bbva_AverageSellingPriceInEuros" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Average selling price in Euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageSellingPriceInEuros" xlink:href="bbva-20241231.xsd#bbva_AverageSellingPriceInEuros"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AverageSellingPriceInEuros" xlink:to="lab_bbva_AverageSellingPriceInEuros" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember_02792c33-7143-4cd6-b1da-f4cb9ac74706_terseLabel_en-US" xlink:label="lab_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common equity tier 1 CET1 before oter regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember_label_en-US" xlink:label="lab_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common equity tier 1 CET1 before oter regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Common equity tier 1 CET1 before oter regulatory adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" xlink:href="bbva-20241231.xsd#bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" xlink:to="lab_bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis_c1a5758f-abd1-435a-9a69-758fee321027_terseLabel_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension commitments with members of Senior Management [Axis]</link:label>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis_label_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension commitments with members of Senior Management [Axis]</link:label>
    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis_documentation_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Pension commitments with members of Senior Management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis" xlink:href="bbva-20241231.xsd#bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis" xlink:to="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock_8e3b0bb7-1c42-4898-9d4c-6cf054fc2e8b_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances breakdown by counterparty and product [Table Text Block]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances breakdown by counterparty and product [Table Text Block]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and advances breakdown by counterparty and product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" xlink:to="lab_bbva_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock_1438f263-cb60-4dae-b012-c05b035730d8_terseLabel_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in impaired financial assets and guarantees given [Table Text Block]</link:label>
    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock_label_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes in impaired financial assets and guarantees given [Table Text Block]</link:label>
    <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" 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-20241231.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"/>
    <link:label id="lab_bbva_ConsolidatedIncomeStatementImpactTableTextBlock_5c4a03f8-824f-4b3c-9769-b50db154a5d1_terseLabel_en-US" xlink:label="lab_bbva_ConsolidatedIncomeStatementImpactTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Income Statement Impact [Table Text Block]</link:label>
    <link:label id="lab_bbva_ConsolidatedIncomeStatementImpactTableTextBlock_label_en-US" xlink:label="lab_bbva_ConsolidatedIncomeStatementImpactTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Income Statement Impact [Table Text Block]</link:label>
    <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" xml:lang="en-US">Consolidated Income Statement Impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConsolidatedIncomeStatementImpactTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_ConsolidatedIncomeStatementImpactTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConsolidatedIncomeStatementImpactTableTextBlock" xlink:to="lab_bbva_ConsolidatedIncomeStatementImpactTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill_d72a3bfc-dba8-4de9-b7da-c5296d1e2eb6_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Increase (decrease) through transfers and other changes, intangible assets and goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityInvestmentsMember_18bc8b7f-c783-48f4-b4b2-4b0b183614fd_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity investments [member]</link:label>
    <link:label id="lab_ifrs-full_EquityInvestmentsMember_label_en-US" xlink:label="lab_ifrs-full_EquityInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity investments [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EquityInvestmentsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_EquityInvestmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityInvestmentsMember" xlink:to="lab_ifrs-full_EquityInvestmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GDP_2c83c0fd-51a4-4ba9-9aed-ea6145cbe7e7_terseLabel_en-US" xlink:label="lab_bbva_GDP" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">GDP</link:label>
    <link:label id="lab_bbva_GDP_label_en-US" xlink:label="lab_bbva_GDP" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">GDP</link:label>
    <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" xml:lang="en-US">GDP</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GDP" xlink:href="bbva-20241231.xsd#bbva_GDP"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GDP" xlink:to="lab_bbva_GDP" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssuingInstitutionsDomain_9d1a74fd-c410-4424-9537-2c8c4df80036_terseLabel_en-US" xlink:label="lab_bbva_IssuingInstitutionsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuing institutions [Domain]</link:label>
    <link:label id="lab_bbva_IssuingInstitutionsDomain_label_en-US" xlink:label="lab_bbva_IssuingInstitutionsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuing institutions [Domain]</link:label>
    <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" xml:lang="en-US">Issuing institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuingInstitutionsDomain" xlink:href="bbva-20241231.xsd#bbva_IssuingInstitutionsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IssuingInstitutionsDomain" xlink:to="lab_bbva_IssuingInstitutionsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentInListedMarketsDomain_8efc9a08-3254-4f04-9633-9ea827a8b750_terseLabel_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment in listed markets [Domain]</link:label>
    <link:label id="lab_bbva_InvestmentInListedMarketsDomain_label_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment in listed markets [Domain]</link:label>
    <link:label id="lab_bbva_InvestmentInListedMarketsDomain_documentation_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentInListedMarketsDomain" xlink:href="bbva-20241231.xsd#bbva_InvestmentInListedMarketsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InvestmentInListedMarketsDomain" xlink:to="lab_bbva_InvestmentInListedMarketsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsTable_d46679df-3764-493a-a32b-997cc64644e7_terseLabel_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets of the Group by operating segments [Table]</link:label>
    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsTable_label_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets of the Group by operating segments [Table]</link:label>
    <link:label id="lab_bbva_AssetsOfTheGroupByOperatingSegmentsTable_documentation_en-US" xlink:label="lab_bbva_AssetsOfTheGroupByOperatingSegmentsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Assets of the Group by operating segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsOfTheGroupByOperatingSegmentsTable" xlink:href="bbva-20241231.xsd#bbva_AssetsOfTheGroupByOperatingSegmentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AssetsOfTheGroupByOperatingSegmentsTable" xlink:to="lab_bbva_AssetsOfTheGroupByOperatingSegmentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_UnpaidCapitalWhichHasBeenCalledUp_8ad90541-f555-4de0-afd8-db9080df626c_terseLabel_en-US" xlink:label="lab_bbva_UnpaidCapitalWhichHasBeenCalledUp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unpaid capital which has been called up</link:label>
    <link:label id="lab_bbva_UnpaidCapitalWhichHasBeenCalledUp_label_en-US" xlink:label="lab_bbva_UnpaidCapitalWhichHasBeenCalledUp" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unpaid capital which has been called up</link:label>
    <link:label id="lab_bbva_UnpaidCapitalWhichHasBeenCalledUp_documentation_en-US" xlink:label="lab_bbva_UnpaidCapitalWhichHasBeenCalledUp" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unpaid capital which has been called up</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnpaidCapitalWhichHasBeenCalledUp" xlink:href="bbva-20241231.xsd#bbva_UnpaidCapitalWhichHasBeenCalledUp"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_UnpaidCapitalWhichHasBeenCalledUp" xlink:to="lab_bbva_UnpaidCapitalWhichHasBeenCalledUp" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeclosedAssetsMember_097d163a-72f4-4f1b-8d9a-fcadeb25fbe0_terseLabel_en-US" xlink:label="lab_bbva_ForeclosedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreclosed assets [Member]</link:label>
    <link:label id="lab_bbva_ForeclosedAssetsMember_label_en-US" xlink:label="lab_bbva_ForeclosedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreclosed assets [Member]</link:label>
    <link:label id="lab_bbva_ForeclosedAssetsMember_documentation_en-US" xlink:label="lab_bbva_ForeclosedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreclosed assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeclosedAssetsMember" xlink:href="bbva-20241231.xsd#bbva_ForeclosedAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeclosedAssetsMember" xlink:to="lab_bbva_ForeclosedAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems_dbcde40c-de9a-4eb2-a285-034c624482e6_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of financial instruments held for trading [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets &amp; liabilities held for trading [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets &amp; liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" xlink:to="lab_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCostLineItems_1dd263df-6ba6-4e0c-b8ff-246223ca425b_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities at amortized cost [Line Items]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCostLineItems_label_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt securities at amortized cost [Line Items]</link:label>
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    <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" 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" xml:lang="en-US">Accrued amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccruedAmortizationMember" xlink:href="bbva-20241231.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_d86c7349-da7b-4be6-8d5d-633e16e67000_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Impairment losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentLossesMember" xlink:href="bbva-20241231.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_AmortizationTransferToDiscontinuedOperations_75ffc19d-7131-40f3-8261-7b7fad552be8_terseLabel_en-US" xlink:label="lab_bbva_AmortizationTransferToDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Amortization transfer to discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmortizationTransferToDiscontinuedOperations" xlink:href="bbva-20241231.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_AnnualFixedRemunerationExecutiveDirectorsDomain_613ea882-543b-4ebf-9f10-f25a6782e0f5_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Annual fixed remuneration executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationExecutiveDirectorsDomain" xlink:href="bbva-20241231.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_57fa0db0-4d41-4471-bfc8-49736dc99981_terseLabel_en-US" xlink:label="lab_bbva_ChangeInInventories" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Change in inventories</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangeInInventories" xlink:href="bbva-20241231.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_TotalMinimumEquityRequiredEligibleCapitalResources_3c48af51-8985-44cd-add4-03f55287e6f6_terseLabel_en-US" xlink:label="lab_bbva_TotalMinimumEquityRequiredEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_Level2OfFairValueHierarchyMember_fb79faa9-7045-4f13-8008-30fa7e11d52f_terseLabel_en-US" xlink:label="lab_ifrs-full_Level2OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 2 Of Fair Value Hierarchy [Member]</link:label>
    <link:label id="lab_ifrs-full_Level2OfFairValueHierarchyMember_label_en-US" xlink:label="lab_ifrs-full_Level2OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Level 2 of fair value hierarchy [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Level2OfFairValueHierarchyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_Level2OfFairValueHierarchyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Level2OfFairValueHierarchyMember" xlink:to="lab_ifrs-full_Level2OfFairValueHierarchyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentRegistrationStatement_0e12112e-7295-4637-a89c-5c49092abbd5_terseLabel_en-US" xlink:label="lab_dei_DocumentRegistrationStatement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Registration Statement</link:label>
    <link:label id="lab_dei_DocumentRegistrationStatement_label_en-US" xlink:label="lab_dei_DocumentRegistrationStatement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Registration Statement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentRegistrationStatement" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentRegistrationStatement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentRegistrationStatement" xlink:to="lab_dei_DocumentRegistrationStatement" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_5e000c48-0e48-4d64-87d9-f577d514a6f5_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:to="lab_bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_6339be86-40bd-4e95-b047-20d4cb2f2a0d_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss that meet definition of held for trading</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_9d413a2a-8c31-4f7b-88db-2412845fbb2a_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss that meet definition of held for trading</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss that meet definition of held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichLendingForHousePurchaseMember_4b09b780-1efc-480e-9631-c81ec07acb0e_terseLabel_en-US" xlink:label="lab_bbva_OfWhichLendingForHousePurchaseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_acf9314f-2295-4738-a22c-9a83aea3a32c_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accounting policy for termination benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock" xlink:href="bbva-20241231.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_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock_61ad6885-de77-44e0-9fdb-8c681bef0b7b_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accounting policy for financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" xlink:href="bbva-20241231.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_eec85b8b-81cd-436e-9ce0-1104468c9f80_terseLabel_en-US" xlink:label="lab_bbva_InsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Insurance contracts linked to pensions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceContractsLinkedToPensions" xlink:href="bbva-20241231.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_CompoundConvertibleFinancialInstruments_b2fb8e7e-b677-4b19-be69-76788fbbd79f_terseLabel_en-US" xlink:label="lab_bbva_CompoundConvertibleFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Compound convertible financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CompoundConvertibleFinancialInstruments" xlink:href="bbva-20241231.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_FinancialAssetsLevel3SensitivityAnalysisLineItems_290030ec-8541-4ed6-9283-aa99ebefb669_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale_2bd43116-8b47-474b-b163-2d0b599cc659_terseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities included in disposal groups classified as held for sale</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale_label_en-US" xlink:label="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities included in disposal groups classified as held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:to="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock_b5c9745e-ce2f-4f37-b809-3b39fc6d8f33_terseLabel_en-US" xlink:label="lab_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loss allowances on financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" xlink:href="bbva-20241231.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_bbva_MemorandumAccountsMember_60e14d3f-85d0-4b9f-a8fb-19a44074be45_terseLabel_en-US" xlink:label="lab_bbva_MemorandumAccountsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Memorandum accounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MemorandumAccountsMember" xlink:href="bbva-20241231.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_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_759eb923-908a-4ed2-ae5f-cf830bf1118b_terseLabel_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_CommercialDebtorsMember_a6d47753-4b96-4587-949d-fec299594b78_terseLabel_en-US" xlink:label="lab_bbva_CommercialDebtorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Commercial debtors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommercialDebtorsMember" xlink:href="bbva-20241231.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_bbva_TransitionalCET1AdjustmentsMember_feb8494e-1649-41d3-a9be-4d68837dd440_terseLabel_en-US" xlink:label="lab_bbva_TransitionalCET1AdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transitional CET1 adjustments [Member]</link:label>
    <link:label id="lab_bbva_TransitionalCET1AdjustmentsMember_label_en-US" xlink:label="lab_bbva_TransitionalCET1AdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transitional CET1 adjustments [Member]</link:label>
    <link:label id="lab_bbva_TransitionalCET1AdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_TransitionalCET1AdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transitional CET1 adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransitionalCET1AdjustmentsMember" xlink:href="bbva-20241231.xsd#bbva_TransitionalCET1AdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransitionalCET1AdjustmentsMember" xlink:to="lab_bbva_TransitionalCET1AdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LeaseLiabilitiesMember_6ffdafc0-3d68-4ba7-83f2-89f0884da8ba_terseLabel_en-US" xlink:label="lab_ifrs-full_LeaseLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease liabilities [member]</link:label>
    <link:label id="lab_ifrs-full_LeaseLiabilitiesMember_label_en-US" xlink:label="lab_ifrs-full_LeaseLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lease liabilities [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LeaseLiabilitiesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LeaseLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LeaseLiabilitiesMember" xlink:to="lab_ifrs-full_LeaseLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock_e15894b1-ecbd-412f-bd09-a0daec5f811a_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 sensitivity analysis [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 sensitivity analysis [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" xlink:to="lab_bbva_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsForOwnUse_f0066d5f-44d2-4cb7-a00d-23b5cbf6d303_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsForOwnUse" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property plant and equipment for own use</link:label>
    <link:label id="lab_bbva_TangibleAssetsForOwnUse_label_en-US" xlink:label="lab_bbva_TangibleAssetsForOwnUse" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tangible assets for own use</link:label>
    <link:label id="lab_bbva_TangibleAssetsForOwnUse_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsForOwnUse" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tangible assets for own use</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsForOwnUse" xlink:href="bbva-20241231.xsd#bbva_TangibleAssetsForOwnUse"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsForOwnUse" xlink:to="lab_bbva_TangibleAssetsForOwnUse" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember_56dfc08b-9216-4e44-823e-87a14efd29d7_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income non controlling interest [Member]</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember_label_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income non controlling interest [Member]</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember_documentation_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income non controlling interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" xlink:href="bbva-20241231.xsd#bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" xlink:to="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LiabilitiesDueToCentralBanks_3b357cc2-1543-4c45-9705-39df2ca60ce4_terseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesDueToCentralBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_CostOfTangibleAssetsChangesInTheYear_8461a79b-6c19-4d53-9cf0-470741759379_terseLabel_en-US" xlink:label="lab_bbva_CostOfTangibleAssetsChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cost of tangible assets changes in the year</link:label>
    <link:label id="lab_bbva_CostOfTangibleAssetsChangesInTheYear_label_en-US" xlink:label="lab_bbva_CostOfTangibleAssetsChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cost of tangible assets changes in the year</link:label>
    <link:label id="lab_bbva_CostOfTangibleAssetsChangesInTheYear_documentation_en-US" xlink:label="lab_bbva_CostOfTangibleAssetsChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cost of tangible assets changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CostOfTangibleAssetsChangesInTheYear" xlink:href="bbva-20241231.xsd#bbva_CostOfTangibleAssetsChangesInTheYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CostOfTangibleAssetsChangesInTheYear" xlink:to="lab_bbva_CostOfTangibleAssetsChangesInTheYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainLossOnRemeasurementOfReimbursementRights_9db97025-dd93-48c4-b947-14d62dd2495b_terseLabel_en-US" xlink:label="lab_ifrs-full_GainLossOnRemeasurementOfReimbursementRights" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in reimbursement rights related to defined benefit obligation, resulting from gain (loss) on remeasurement</link:label>
    <link:label id="lab_ifrs-full_GainLossOnRemeasurementOfReimbursementRights_label_en-US" xlink:label="lab_ifrs-full_GainLossOnRemeasurementOfReimbursementRights" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in reimbursement rights related to defined benefit obligation, resulting from gain (loss) on remeasurement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainLossOnRemeasurementOfReimbursementRights" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GainLossOnRemeasurementOfReimbursementRights"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainLossOnRemeasurementOfReimbursementRights" xlink:to="lab_ifrs-full_GainLossOnRemeasurementOfReimbursementRights" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectiveTaxRateTable_5050399c-b3da-4e38-8c15-69ce3e4da23b_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxRateTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effective tax rate [Table]</link:label>
    <link:label id="lab_bbva_EffectiveTaxRateTable_label_en-US" xlink:label="lab_bbva_EffectiveTaxRateTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective tax rate [Table]</link:label>
    <link:label id="lab_bbva_EffectiveTaxRateTable_documentation_en-US" xlink:label="lab_bbva_EffectiveTaxRateTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effective tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectiveTaxRateTable" xlink:href="bbva-20241231.xsd#bbva_EffectiveTaxRateTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectiveTaxRateTable" xlink:to="lab_bbva_EffectiveTaxRateTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain_0ef02bb4-78bf-4be8-90f2-7e5268563b0b_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of financial instruments sources of encumbrance [Domain]</link:label>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain_label_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of financial instruments sources of encumbrance [Domain]</link:label>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain_documentation_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Classes of financial instruments sources of encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" xlink:href="bbva-20241231.xsd#bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" xlink:to="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComponentsOfEquityAxis_687464f9-2cc2-4cf0-acf1-5218bbc7f175_terseLabel_en-US" xlink:label="lab_ifrs-full_ComponentsOfEquityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Components of equity [axis]</link:label>
    <link:label id="lab_ifrs-full_ComponentsOfEquityAxis_label_en-US" xlink:label="lab_ifrs-full_ComponentsOfEquityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Components of equity [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComponentsOfEquityAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ComponentsOfEquityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComponentsOfEquityAxis" xlink:to="lab_ifrs-full_ComponentsOfEquityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Stage2Member_91e73e2c-d80d-4e62-9c88-e71f2ebb5748_terseLabel_en-US" xlink:label="lab_bbva_Stage2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stage 2 [Member]</link:label>
    <link:label id="lab_bbva_Stage2Member_label_en-US" xlink:label="lab_bbva_Stage2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stage 2 [Member]</link:label>
    <link:label id="lab_bbva_Stage2Member_documentation_en-US" xlink:label="lab_bbva_Stage2Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stage 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Stage2Member" xlink:href="bbva-20241231.xsd#bbva_Stage2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Stage2Member" xlink:to="lab_bbva_Stage2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefferedTaxAssetsAndLiabilitiesLineItems_535531cc-bdf9-4cd8-b7e7-0a689685c009_terseLabel_en-US" xlink:label="lab_bbva_DefferedTaxAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deffered tax assets and liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_DefferedTaxAssetsAndLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_DefferedTaxAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deffered tax assets and liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_DefferedTaxAssetsAndLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_DefferedTaxAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deffered tax assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefferedTaxAssetsAndLiabilitiesLineItems" xlink:href="bbva-20241231.xsd#bbva_DefferedTaxAssetsAndLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefferedTaxAssetsAndLiabilitiesLineItems" xlink:to="lab_bbva_DefferedTaxAssetsAndLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract_label_en-US" xlink:label="lab_bbva_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Introduction Basis For The Presentation Of The Consolidated Financial Statements Internal Control Of Financial Information And Other Information [Abstract]</link:label>
    <link:label id="lab_bbva_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract_documentation_en-US" xlink:label="lab_bbva_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Introduction Basis For The Presentation Of The Consolidated Financial Statements Internal Control Of Financial Information And Other Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract" xlink:href="bbva-20241231.xsd#bbva_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract"/>
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    <link:label id="lab_bbva_RiskManagementAbstract_242ebbf8-6f9e-4a79-bf90-b6afbd869a73_terseLabel_en-US" xlink:label="lab_bbva_RiskManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk Management [Abstract]</link:label>
    <link:label id="lab_bbva_RiskManagementAbstract_label_en-US" xlink:label="lab_bbva_RiskManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk Management [Abstract]</link:label>
    <link:label id="lab_bbva_RiskManagementAbstract_documentation_en-US" xlink:label="lab_bbva_RiskManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Risk Management [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RiskManagementAbstract" xlink:href="bbva-20241231.xsd#bbva_RiskManagementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RiskManagementAbstract" xlink:to="lab_bbva_RiskManagementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract_d5dab4df-1306-4132-b75a-28d7b4ba75df_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Post Employment And Other Employee Benefit Commitments [Abstract]</link:label>
    <link:label id="lab_bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract_label_en-US" xlink:label="lab_bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Post Employment And Other Employee Benefit Commitments [Abstract]</link:label>
    <link:label id="lab_bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract_documentation_en-US" xlink:label="lab_bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Post Employment And Other Employee Benefit Commitments [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" xlink:href="bbva-20241231.xsd#bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" xlink:to="lab_bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_cde7c5ab-35ad-48ac-9db5-63dff553568a_negatedPeriodEndLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="resource" xml:lang="en-US">Defined benefit obligation, at present value</link:label>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_047fa382-f8af-42bd-9e78-174da0bf9007_periodStartLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Net liability asset</link:label>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_60d8b628-e481-49df-bacf-f4f3d9293efd_periodEndLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DebtSecuritiesAtAmortizedCostTableTextBlock_c24fb56f-6f94-4917-99c7-c1c58da4e564_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities at amortized cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCostTableTextBlock_label_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt securities at amortized cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesAtAmortizedCostTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt securities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesAtAmortizedCostTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_DebtSecuritiesAtAmortizedCostTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesAtAmortizedCostTableTextBlock" xlink:to="lab_bbva_DebtSecuritiesAtAmortizedCostTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable_41bb584d-be2e-4145-be9d-ae645b08807c_terseLabel_en-US" xlink:label="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity to one percent of the average rate in the main currencies [Table]</link:label>
    <link:label id="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable_label_en-US" xlink:label="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity to one percent of the average rate in the main currencies [Table]</link:label>
    <link:label id="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable_documentation_en-US" xlink:label="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" xlink:href="bbva-20241231.xsd#bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" xlink:to="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersToStage3_c414c9da-58c9-45f7-8483-865108b981bf_terseLabel_en-US" xlink:label="lab_bbva_TransfersToStage3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers to stage 3</link:label>
    <link:label id="lab_bbva_TransfersToStage3_label_en-US" xlink:label="lab_bbva_TransfersToStage3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers to stage 3</link:label>
    <link:label id="lab_bbva_TransfersToStage3_documentation_en-US" xlink:label="lab_bbva_TransfersToStage3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transfers to stage 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersToStage3" xlink:href="bbva-20241231.xsd#bbva_TransfersToStage3"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransfersToStage3" xlink:to="lab_bbva_TransfersToStage3" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetAmount_2fdc5048-a20e-47d3-a8e6-6951a8f217e1_terseLabel_en-US" xlink:label="lab_bbva_NetAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net amount</link:label>
    <link:label id="lab_bbva_NetAmount_label_en-US" xlink:label="lab_bbva_NetAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net amount</link:label>
    <link:label id="lab_bbva_NetAmount_documentation_en-US" xlink:label="lab_bbva_NetAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetAmount" xlink:href="bbva-20241231.xsd#bbva_NetAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetAmount" xlink:to="lab_bbva_NetAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityReportingObligation_439ab774-99ba-441d-9e52-4678d7b18aa1_terseLabel_en-US" xlink:label="lab_dei_SecurityReportingObligation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security Reporting Obligation</link:label>
    <link:label id="lab_dei_SecurityReportingObligation_label_en-US" xlink:label="lab_dei_SecurityReportingObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Reporting Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityReportingObligation" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityReportingObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityReportingObligation" xlink:to="lab_dei_SecurityReportingObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract_label_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Cash balances at central banks and other demand deposits [Abstract]</link:label>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract_documentation_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash Cash balances at central banks and other demand deposits [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" xlink:href="bbva-20241231.xsd#bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" xlink:to="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CorrelationDefault_773738c4-96d5-4081-904f-6fc34f4102c0_terseLabel_en-US" xlink:label="lab_bbva_CorrelationDefault" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Correlation default</link:label>
    <link:label id="lab_bbva_CorrelationDefault_label_en-US" xlink:label="lab_bbva_CorrelationDefault" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Correlation default</link:label>
    <link:label id="lab_bbva_CorrelationDefault_documentation_en-US" xlink:label="lab_bbva_CorrelationDefault" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Correlation default</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CorrelationDefault" xlink:href="bbva-20241231.xsd#bbva_CorrelationDefault"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CorrelationDefault" xlink:to="lab_bbva_CorrelationDefault" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock_0715c5e7-0fd7-471f-93f2-e2956da503b8_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policy for employee benefits [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting policy for employee benefits [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accounting policy for employee benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock" xlink:href="bbva-20241231.xsd#bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForEmployeeBenefitsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RemeasurementsOnIncomeStatement_d9149d8b-ee2f-44aa-a40a-0b7597c9ae97_terseLabel_en-US" xlink:label="lab_bbva_RemeasurementsOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remeasurements on income statement</link:label>
    <link:label id="lab_bbva_RemeasurementsOnIncomeStatement_label_en-US" xlink:label="lab_bbva_RemeasurementsOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remeasurements on income statement</link:label>
    <link:label id="lab_bbva_RemeasurementsOnIncomeStatement_documentation_en-US" xlink:label="lab_bbva_RemeasurementsOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Remeasurements on income statement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemeasurementsOnIncomeStatement" xlink:href="bbva-20241231.xsd#bbva_RemeasurementsOnIncomeStatement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RemeasurementsOnIncomeStatement" xlink:to="lab_bbva_RemeasurementsOnIncomeStatement" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash_f904501d-f41f-4db0-a872-6739815edcdc_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration BBVA directors in cash</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash_label_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration BBVA directors in cash</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration BBVA directors in cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash" xlink:href="bbva-20241231.xsd#bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash" xlink:to="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInCash" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsBreakdownByConceptsTableTextBlock_ce7c8eed-c86c-45f6-a488-799d6e164932_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions Breakdown By Concepts [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProvisionsBreakdownByConceptsTableTextBlock_label_en-US" xlink:label="lab_bbva_ProvisionsBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions Breakdown By Concepts [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProvisionsBreakdownByConceptsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ProvisionsBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provisions Breakdown By Concepts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsBreakdownByConceptsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_ProvisionsBreakdownByConceptsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsBreakdownByConceptsTableTextBlock" xlink:to="lab_bbva_ProvisionsBreakdownByConceptsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AverageTreasuryShares_aea13255-7118-4475-bf6a-493b2f1ab36b_terseLabel_en-US" xlink:label="lab_bbva_AverageTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average treasury shares</link:label>
    <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" 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" xml:lang="en-US">Average treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageTreasuryShares" xlink:href="bbva-20241231.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_bbva_InsuranceTypologyAxis_060ea6dd-e3e1-4e34-805c-ef97e4d01f2c_terseLabel_en-US" xlink:label="lab_bbva_InsuranceTypologyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Insurance typology</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceTypologyAxis" xlink:href="bbva-20241231.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_2c188fed-cab4-486f-b096-1b314430d4ee_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesTable" xlink:href="bbva-20241231.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_d0982639-d5e0-448e-ad12-207d2d5e38c5_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_cf3d3022-7680-4dea-a2ad-9f1a9d018797_terseLabel_en-US" xlink:label="lab_bbva_BaseScenarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Base scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BaseScenarioMember" xlink:href="bbva-20241231.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_322a73f8-5856-4247-9735-dd1b17ba7ab3_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAvailableForSaleDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Debt securities available for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesAvailableForSaleDomain" xlink:href="bbva-20241231.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_eca79fb4-9916-4584-b9be-02c3582e82f2_terseLabel_en-US" xlink:label="lab_bbva_DerivativesNetMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Derivatives net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesNetMember" xlink:href="bbva-20241231.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_A2022Member_ab8c1eb7-d7be-4abd-a845-6d17d0bcec6c_terseLabel_en-US" xlink:label="lab_bbva_A2022Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">2022</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2022Member" xlink:href="bbva-20241231.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_IRDerivativesMember_78dfea12-cd73-46f3-aaef-ce859f83b04f_terseLabel_en-US" xlink:label="lab_bbva_IRDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">IR derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IRDerivativesMember" xlink:href="bbva-20241231.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_Impairment_59438bc6-f4c3-403c-88b1-2b01cbd3c2db_negatedTerseLabel_en-US" xlink:label="lab_bbva_Impairment" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Impairment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Impairment" xlink:href="bbva-20241231.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_87fa39c7-9c00-4071-be64-f20248dfa565_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loans and advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesMember" xlink:href="bbva-20241231.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_3b86c3ab-eb0e-425c-bd71-4d9d3321c7eb_terseLabel_en-US" xlink:label="lab_bbva_DepreciationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationLineItems" xlink:href="bbva-20241231.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_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_505dee62-8547-4118-b19f-ddfcafaf0b94_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:to="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherIntangibleAssetsTable_a0464c96-2bc5-4ab4-b087-d416306072b7_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsTable" xlink:href="bbva-20241231.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_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock_8e46101f-db63-4f5b-ae65-77a04ea352f1_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ApplicationOfResultsLineItems_be8d9910-975f-494f-b2e6-c995e3503266_terseLabel_en-US" xlink:label="lab_bbva_ApplicationOfResultsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Application of results</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ApplicationOfResultsLineItems" xlink:href="bbva-20241231.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_ifrs-full_Liabilities_f5b4aa61-1083-4804-bd06-2549937aa53a_totalLabel_en-US" xlink:label="lab_ifrs-full_Liabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_FinancialAssetsAtAmortisedCost_051e5ee6-c1fe-4be1-bd3f-02278d7cd601_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCost_b8514e11-4483-4bb5-b901-747021cb268b_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCost_5a07abbf-749c-40c2-acfb-4479b8b7af31_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialAssetsAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:to="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignEntitiesMember_36caefae-3682-4a1f-982b-0c6a0996c441_terseLabel_en-US" xlink:label="lab_bbva_ForeignEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Foreign entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignEntitiesMember" xlink:href="bbva-20241231.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_c9ff1303-cd16-466d-8f3e-79b2d0af4621_terseLabel_en-US" xlink:label="lab_bbva_A100BasisPointIncreaseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">100 basis point increase</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A100BasisPointIncreaseMember" xlink:href="bbva-20241231.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_ifrs-full_AccumulatedOtherComprehensiveIncomeMember_97d2fe8a-4928-4d61-b24a-6613e2e41fb4_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income [member]</link:label>
    <link:label id="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Jun27Member_29266f17-a193-4f7e-a31b-bcc0e4c62563_terseLabel_en-US" xlink:label="lab_bbva_Jun27Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Jun-27 [Member]</link:label>
    <link:label id="lab_bbva_Jun27Member_label_en-US" xlink:label="lab_bbva_Jun27Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jun-27 [Member]</link:label>
    <link:label id="lab_bbva_Jun27Member_documentation_en-US" xlink:label="lab_bbva_Jun27Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Jun-27</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Jun27Member" xlink:href="bbva-20241231.xsd#bbva_Jun27Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Jun27Member" xlink:to="lab_bbva_Jun27Member" 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" 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" 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-20241231.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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance_a9d4de96-d9b2-43c3-8e16-3fb831491556_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_AccumulatedOtherComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_dei_DocumentFiscalPeriodFocus_e4a733f8-5816-47f3-9104-e6c09c404038_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_OtherFinancialLiabilitiesTableTextBlock_f9ed3488-e3b8-4181-b702-d53eb318b1e4_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other Financial Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesTableTextBlock" xlink:href="bbva-20241231.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_506f744e-4c78-4efc-9a0e-457d77234180_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepurchaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Reverse repurchase loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReverseRepurchaseLoansMember" xlink:href="bbva-20241231.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_11768bc9-1bd4-4349-a040-ade579de5cf0_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_82900d9d-d7dc-4c92-afeb-cae548bdf52a_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ea6750f9-52ef-430d-80b6-c84a4cb62482_terseLabel_en-US" xlink:label="lab_bbva_DisposalsAndCapitalReductions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disposals and capital reductions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisposalsAndCapitalReductions" xlink:href="bbva-20241231.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_63569b7c-3b3b-4c2c-9581-0bc769caea64_terseLabel_en-US" xlink:label="lab_bbva_HoldingCompanyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Holding company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HoldingCompanyMember" xlink:href="bbva-20241231.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_bbva_TreasurySharesByEntitiesDomain_a54d83b5-91bc-4960-ad94-06492d750c45_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesByEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares by entities [Domain]</link:label>
    <link:label id="lab_bbva_TreasurySharesByEntitiesDomain_label_en-US" xlink:label="lab_bbva_TreasurySharesByEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury shares by entities [Domain]</link:label>
    <link:label id="lab_bbva_TreasurySharesByEntitiesDomain_documentation_en-US" xlink:label="lab_bbva_TreasurySharesByEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury shares by entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesByEntitiesDomain" xlink:href="bbva-20241231.xsd#bbva_TreasurySharesByEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesByEntitiesDomain" xlink:to="lab_bbva_TreasurySharesByEntitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis_5d6a0a3b-ea4b-4abe-9863-dfa2efd3cfbf_terseLabel_en-US" xlink:label="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">breakdown of liabilities under insurance and reinsurance contracts that are liabilities [Axis]</link:label>
    <link:label id="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis_label_en-US" xlink:label="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Breakdown of liabilities under insurance and reinsurance contracts that are liabilities [Axis]</link:label>
    <link:label id="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis_documentation_en-US" xlink:label="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Breakdown of liabilities under insurance and reinsurance contracts that are liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" xlink:href="bbva-20241231.xsd#bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" xlink:to="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditSpread_bd2e67de-48f6-4214-9e58-ba6aea5888df_terseLabel_en-US" xlink:label="lab_bbva_CreditSpread" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Credit spread</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditSpread" xlink:href="bbva-20241231.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_dei_DocumentType_cb907a48-7b64-4da4-bc51-c26fb03437a1_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ifrs-full_NetDefinedBenefitLiabilityAssetDomain_41f885a5-1c71-49f1-b062-f9aa019160f1_terseLabel_en-US" xlink:label="lab_ifrs-full_NetDefinedBenefitLiabilityAssetDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net Defined Benefit Liability Asset [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss"/>
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    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksHeldForTrading_572e9eeb-1c0e-4e91-a308-707c74d5ece2_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to central banks held for trading</link:label>
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    <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" xml:lang="en-US">Loans and advances to central banks held for trading</link:label>
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    <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" xml:lang="en-US">Subordinated certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubordinatedCertificates" xlink:href="bbva-20241231.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_ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset_5b4bd7fe-53e6-4df2-8808-01392423d961_terseLabel_en-US" xlink:label="lab_ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_PeriodOrMaturityOfOtherIssuedEquityInstruments_78409941-02de-4065-ab30-9a4defe57568_terseLabel_en-US" xlink:label="lab_bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_a0fae07e-2c87-47c8-adb8-1317376afde2_terseLabel_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_BottomOfRangeMember_29e712ae-4e07-4f7e-8130-9102b559d0fc_terseLabel_en-US" xlink:label="lab_ifrs-full_BottomOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DepositsFromBanksTableTextBlock_12bae720-c466-40cc-8845-2eccf5175756_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deposits from banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksTableTextBlock" xlink:href="bbva-20241231.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_5f723cca-0691-4d61-a992-0a899b5a3d6f_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_64ca1398-2085-44a2-9cf1-130653b1fe60_terseLabel_en-US" xlink:label="lab_bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_888d1bbe-9d2e-41bb-8dec-cb095ddb9fac_terseLabel_en-US" xlink:label="lab_bbva_CentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CentralBanksMember" xlink:href="bbva-20241231.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_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_430702f9-8bb1-4316-9de7-8f728769ca3b_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DeferredAnnualVariableRemunerationSeniorManagementInCash_717ebc64-3958-4a8d-8978-c66eac264760_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_951399a6-06c8-4cdc-a056-706bfc5002cf_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsAxis" xlink:href="bbva-20241231.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_6da6da6d-9987-426b-90b2-6a6d4b893083_terseLabel_en-US" xlink:label="lab_bbva_ForeignCompanySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Foreign company shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignCompanySharesMember" xlink:href="bbva-20241231.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_AccruedDepreciation_a9c453a9-357a-4597-95a4-1b219267c8b5_periodStartLabel_en-US" xlink:label="lab_bbva_AccruedDepreciation" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Accrued depreciation</link:label>
    <link:label id="lab_bbva_AccruedDepreciation_9b895d57-3362-44fd-a08c-10654f4cab0e_periodEndLabel_en-US" xlink:label="lab_bbva_AccruedDepreciation" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accrued depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccruedDepreciation" xlink:href="bbva-20241231.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_461d33d7-0d44-4595-8e4d-9f2350caf548_terseLabel_en-US" xlink:label="lab_bbva_NatureOfTheTransactionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Nature of the transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NatureOfTheTransactionsLineItems" xlink:href="bbva-20241231.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_3a1d2d2b-bc1a-4998-a3c1-5758ea33e005_terseLabel_en-US" xlink:label="lab_bbva_A194To1061Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">194 to 1061</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A194To1061Member" xlink:href="bbva-20241231.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_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent_6640ed4f-fd53-486b-805d-d9233b5283a8_terseLabel_en-US" xlink:label="lab_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_DepositsFromBanksAtAmortisedCost_910555b0-7252-4329-9d3f-b01fe990db3a_terseLabel_en-US" xlink:label="lab_ifrs-full_DepositsFromBanksAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from banks</link:label>
    <link:label id="lab_ifrs-full_DepositsFromBanksAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_DepositsFromBanksAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits from banks at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepositsFromBanksAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DepositsFromBanksAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepositsFromBanksAtAmortisedCost" xlink:to="lab_ifrs-full_DepositsFromBanksAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AssetsAndLiabilitiesLineItems_09e4e3a0-56b9-43a1-b61d-4503dc31a15b_terseLabel_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsAndLiabilitiesLineItems" xlink:href="bbva-20241231.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_ifrs-full_InterestRevenueExpense_5a60047a-803a-4857-95c1-f9dca74342f9_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestRevenueExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income (expense)</link:label>
    <link:label id="lab_ifrs-full_InterestRevenueExpense_a419fd30-79c8-4870-b685-7def798c5d45_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_InterestRevenueExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_VaRMaxInTheYearMember_1905b1a2-bd8b-4277-96dd-d80ff8c1f1c1_terseLabel_en-US" xlink:label="lab_bbva_VaRMaxInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">VaR max in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRMaxInTheYearMember" xlink:href="bbva-20241231.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_ifrs-full_ProbabilityOfDefaultDomain_48dcdb6d-6ee1-4293-8c37-569d8408bc9d_terseLabel_en-US" xlink:label="lab_ifrs-full_ProbabilityOfDefaultDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of probability of default [Domain]</link:label>
    <link:label id="lab_ifrs-full_ProbabilityOfDefaultDomain_label_en-US" xlink:label="lab_ifrs-full_ProbabilityOfDefaultDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Probability of default [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProbabilityOfDefaultDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ProbabilityOfDefaultDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProbabilityOfDefaultDomain" xlink:to="lab_ifrs-full_ProbabilityOfDefaultDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsAndLiabilitiesLineItems_91567b79-b76f-4257-9193-7bc59e67070e_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsAndLiabilitiesLineItems" xlink:href="bbva-20241231.xsd#bbva_OtherAssetsAndLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAssetsAndLiabilitiesLineItems" xlink:to="lab_bbva_OtherAssetsAndLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RalGalambaDeOliveiraMember_40bab110-4e97-4fa1-aab8-e5b5a15e60a6_terseLabel_en-US" xlink:label="lab_bbva_RalGalambaDeOliveiraMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ra&#250;l Galamba de Oliveira [Member]</link:label>
    <link:label id="lab_bbva_RalGalambaDeOliveiraMember_label_en-US" xlink:label="lab_bbva_RalGalambaDeOliveiraMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ra&#250;l Galamba de Oliveira [Member]</link:label>
    <link:label id="lab_bbva_RalGalambaDeOliveiraMember_documentation_en-US" xlink:label="lab_bbva_RalGalambaDeOliveiraMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ra&#250;l Galamba de Oliveira</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RalGalambaDeOliveiraMember" xlink:href="bbva-20241231.xsd#bbva_RalGalambaDeOliveiraMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RalGalambaDeOliveiraMember" xlink:to="lab_bbva_RalGalambaDeOliveiraMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnaRevengaShanklinMember_11081434-78da-4113-b13a-79869d89bb85_terseLabel_en-US" xlink:label="lab_bbva_AnaRevengaShanklinMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ana Revenga Shanklin [Member]</link:label>
    <link:label id="lab_bbva_AnaRevengaShanklinMember_label_en-US" xlink:label="lab_bbva_AnaRevengaShanklinMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ana Revenga Shanklin [Member]</link:label>
    <link:label id="lab_bbva_AnaRevengaShanklinMember_documentation_en-US" xlink:label="lab_bbva_AnaRevengaShanklinMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ana Revenga Shanklin</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnaRevengaShanklinMember" xlink:href="bbva-20241231.xsd#bbva_AnaRevengaShanklinMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnaRevengaShanklinMember" xlink:to="lab_bbva_AnaRevengaShanklinMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilitiesAxis_f0fd4f2c-3a86-47a8-bc56-335ee7438035_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets and liabilities [Axis]</link:label>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilitiesAxis_label_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred tax assets and liabilities [Axis]</link:label>
    <link:label id="lab_bbva_DeferredTaxAssetsAndLiabilitiesAxis_documentation_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred tax assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxAssetsAndLiabilitiesAxis" xlink:href="bbva-20241231.xsd#bbva_DeferredTaxAssetsAndLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredTaxAssetsAndLiabilitiesAxis" xlink:to="lab_bbva_DeferredTaxAssetsAndLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems_3c47ce98-6d17-4ee6-9c31-acda8fc3b14e_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances maturing in more than one year by interest rate [Line Items]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances maturing in more than one year by interest rate [Line Items]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and advances maturing in more than one year by interest rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" xlink:href="bbva-20241231.xsd#bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" xlink:to="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesAndSecuritiesDomain_b90a259f-4829-4def-8332-28fb71eb6265_terseLabel_en-US" xlink:label="lab_bbva_DerivativesAndSecuritiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives and securities [Domain]</link:label>
    <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" 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" xml:lang="en-US">Derivatives and securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesAndSecuritiesDomain" xlink:href="bbva-20241231.xsd#bbva_DerivativesAndSecuritiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesAndSecuritiesDomain" xlink:to="lab_bbva_DerivativesAndSecuritiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BreakdownByTypeOfLifeInsuranceDomain_86355f46-57df-445c-9395-a1dc34d1f65c_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByTypeOfLifeInsuranceDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Breakdown by type of life insurance [Domain]</link:label>
    <link:label id="lab_bbva_BreakdownByTypeOfLifeInsuranceDomain_label_en-US" xlink:label="lab_bbva_BreakdownByTypeOfLifeInsuranceDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Breakdown by type of life insurance [Domain]</link:label>
    <link:label id="lab_bbva_BreakdownByTypeOfLifeInsuranceDomain_documentation_en-US" xlink:label="lab_bbva_BreakdownByTypeOfLifeInsuranceDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Breakdown by type of life insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownByTypeOfLifeInsuranceDomain" xlink:href="bbva-20241231.xsd#bbva_BreakdownByTypeOfLifeInsuranceDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownByTypeOfLifeInsuranceDomain" xlink:to="lab_bbva_BreakdownByTypeOfLifeInsuranceDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember_bf20fe23-a0d1-45b4-a454-ba1db9baa3d9_terseLabel_en-US" xlink:label="lab_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash or cash equivalents plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember_label_en-US" xlink:label="lab_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash or cash equivalents plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember_documentation_en-US" xlink:label="lab_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash or cash equivalents plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember" xlink:href="bbva-20241231.xsd#bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember" xlink:to="lab_bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstruments_64662b4c-cfd0-47d1-879f-c36cf9e3c698_terseLabel_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notional maturities of the hedging instruments</link:label>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstruments_label_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notional maturities of the hedging instruments</link:label>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstruments_documentation_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Notional maturities of the hedging instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NotionalMaturitiesOfTheHedgingInstruments" xlink:href="bbva-20241231.xsd#bbva_NotionalMaturitiesOfTheHedgingInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NotionalMaturitiesOfTheHedgingInstruments" xlink:to="lab_bbva_NotionalMaturitiesOfTheHedgingInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuredTaxAssetsLineItems_b2c5a11f-7049-4627-ae52-471280dd2e5b_terseLabel_en-US" xlink:label="lab_bbva_SecuredTaxAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured tax assets [Line Items]</link:label>
    <link:label id="lab_bbva_SecuredTaxAssetsLineItems_label_en-US" xlink:label="lab_bbva_SecuredTaxAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured tax assets [Line Items]</link:label>
    <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" xml:lang="en-US">Secured tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredTaxAssetsLineItems" xlink:href="bbva-20241231.xsd#bbva_SecuredTaxAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuredTaxAssetsLineItems" xlink:to="lab_bbva_SecuredTaxAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CarryingAmountMember_5c6404bc-2698-45a7-bd94-ed7b1cb7d010_terseLabel_en-US" xlink:label="lab_ifrs-full_CarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments_a7634b75-97c0-4aee-b33f-80a42017197e_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_NationalCompanySharesMember_c458ad18-9728-4c56-8084-683cd83c2030_terseLabel_en-US" xlink:label="lab_bbva_NationalCompanySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">National company shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NationalCompanySharesMember" xlink:href="bbva-20241231.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_6aa760a0-f68f-4b52-93ed-c0aae7ce3a8d_terseLabel_en-US" xlink:label="lab_bbva_RetainedEarningsAndOtherReservesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Retained Earnings And Other Reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetainedEarningsAndOtherReservesTableTextBlock" xlink:href="bbva-20241231.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_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets_ebe32b93-593d-4d94-9d47-ab0f984b067e_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers out of Level 1 into Level 2 of fair value hierarchy, assets held at end of reporting period</link:label>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets_label_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers out of Level 1 into Level 2 of fair value hierarchy, assets held at end of reporting period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" xlink:to="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentInListedMarketsTable_cc64d4d3-b74b-4d40-a24e-70d7e858c008_terseLabel_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Investment in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentInListedMarketsTable" xlink:href="bbva-20241231.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_NetIncomeArisingFromInsuranceContracts_263a89f5-6e35-42b9-bb68-00c79be7628e_terseLabel_en-US" xlink:label="lab_bbva_NetIncomeArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems_e6f23370-b187-40d3-86b8-a2bd256fdd0a_terseLabel_en-US" xlink:label="lab_bbva_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill_d5c543ca-9ea8-4a9c-99b5-0fbd93ca153d_terseLabel_en-US" xlink:label="lab_ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions other than through business combinations, intangible assets other than goodwill</link:label>
    <link:label id="lab_ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additions other than through business combinations, intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" xlink:to="lab_ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis_260552f0-9448-453b-99db-59f86cc6e38f_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock_52354d85-00c0-4b50-8ffc-4f12ad90df3f_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities under Insurance and Reinsurance Contracts [Table Text Block]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock_label_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities under Insurance and Reinsurance Contracts [Table Text Block]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities under Insurance and Reinsurance Contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" xlink:to="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpenseForInsuranceActivity_42cf4368-ebfc-4048-af16-44ef2fcd74c8_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseForInsuranceActivity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest Expense For Insurance Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseForInsuranceActivity" xlink:href="bbva-20241231.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_54bb0c68-03bf-4be8-97e0-9389c5da71fd_terseLabel_en-US" xlink:label="lab_bbva_RatingAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RatingAxis" xlink:href="bbva-20241231.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_ea236b37-2c91-422d-a461-18e3b54c1468_terseLabel_en-US" xlink:label="lab_bbva_SourcesOfEncumbranceTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Sources of encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SourcesOfEncumbranceTableTextBlock" xlink:href="bbva-20241231.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_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents_b286d7d4-4681-4ef7-83df-680c6a4c5e98_terseLabel_en-US" xlink:label="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DerivativesHedgeAccountingAxis_e808bdd4-2bb0-412c-a5de-49dd2ca1c699_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Derivatives hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingAxis" xlink:href="bbva-20241231.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_71a3fcd2-7214-479e-9362-42b9304f1318_terseLabel_en-US" xlink:label="lab_bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_c04e0fd2-6943-472e-97ea-e63c720471e1_terseLabel_en-US" xlink:label="lab_bbva_RestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Rest of the world</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestOfTheWorldMember" xlink:href="bbva-20241231.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_9f57f0e7-f698-4b54-aa94-cfdefffd6321_terseLabel_en-US" xlink:label="lab_bbva_OtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherMember" xlink:href="bbva-20241231.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_ifrs-full_LoansAndAdvancesToBanks_7606a197-6e43-478b-95ab-227c426982e8_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to banks</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToBanks_label_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances to banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesToBanks" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoansAndAdvancesToBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesToBanks" xlink:to="lab_ifrs-full_LoansAndAdvancesToBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RevaluationSurplus_1cea2e38-310c-4379-a6b4-f586107f1493_terseLabel_en-US" xlink:label="lab_ifrs-full_RevaluationSurplus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_FinancialLiabilitiesAtAmortisedCostAbstract_5c01eb00-910b-40aa-9500-cd0ed1e4301b_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_DividendsPaidClassifiedAsFinancingActivities_f7b74ff6-bad2-4e79-a2cb-551d17c53603_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost_bf87b561-dea2-449e-8883-25bca95ae266_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial assets at amortised cost</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost_ea5a1355-bd60-4a5e-998d-d859012cd180_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial assets at amortised cost</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:to="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock_c3fdfb6a-e09e-475e-b927-49bcd7237268_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_19f41a17-54a0-4c75-a1e4-a5e04f02c8b4_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain_0357d071-4712-48c5-a1d9-e81e7a2b7392_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_87fda32f-6dce-4991-82b6-10aa7b4541d0_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial liabilities issued encumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" xlink:href="bbva-20241231.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_32be552a-c00a-4626-b1d0-f9578bd5d0ca_terseLabel_en-US" xlink:label="lab_bbva_DepositsInCreditEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deposits in credit entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsInCreditEntitiesMember" xlink:href="bbva-20241231.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_EnriqueCasanuevaNardizMember_f2fc8620-840a-4880-ad0a-5e2d9e6f5818_terseLabel_en-US" xlink:label="lab_bbva_EnriqueCasanuevaNardizMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Enrique Casanueva N&#225;rdiz [Member]</link:label>
    <link:label id="lab_bbva_EnriqueCasanuevaNardizMember_label_en-US" xlink:label="lab_bbva_EnriqueCasanuevaNardizMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Enrique Casanueva N&#225;rdiz [Member]</link:label>
    <link:label id="lab_bbva_EnriqueCasanuevaNardizMember_documentation_en-US" xlink:label="lab_bbva_EnriqueCasanuevaNardizMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Enrique Casanueva N&#225;rdiz</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EnriqueCasanuevaNardizMember" xlink:href="bbva-20241231.xsd#bbva_EnriqueCasanuevaNardizMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EnriqueCasanuevaNardizMember" xlink:to="lab_bbva_EnriqueCasanuevaNardizMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingBalancesAxis_020f11a6-c0fa-4b75-ba04-3c4eb8583045_terseLabel_en-US" xlink:label="lab_bbva_AccountingBalancesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accounting balances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingBalancesAxis" xlink:href="bbva-20241231.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_45fffd11-24ea-4113-a575-fe7bf5d46c76_terseLabel_en-US" xlink:label="lab_bbva_WeightedAverageNumberOfSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_RestOtherAssets_28077482-4499-4815-808c-3bdd88f24415_terseLabel_en-US" xlink:label="lab_bbva_RestOtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Rest other assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestOtherAssets" xlink:href="bbva-20241231.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_48459fcf-4f9c-4edf-8b67-91f26f658147_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_829a4474-65ee-4efa-87c1-807667bad741_terseLabel_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan_07d46dbf-2afe-44b5-9cfd-e804c82f0715_terseLabel_en-US" xlink:label="lab_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated benefit payments</link:label>
    <link:label id="lab_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan_label_en-US" xlink:label="lab_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimate of benefit payments expected to be paid from defined benefit plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" xlink:to="lab_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonConvertibleBondsAndDebenturesMember_10a051ab-c442-4fdf-99bf-bc98c4bbca85_terseLabel_en-US" xlink:label="lab_bbva_NonConvertibleBondsAndDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Non convertible bonds and debentures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonConvertibleBondsAndDebenturesMember" xlink:href="bbva-20241231.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_3521cf23-68c5-49ca-ae82-3473a723e3b8_terseLabel_en-US" xlink:label="lab_bbva_VegaCorrelationRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Vega Correlation risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VegaCorrelationRiskMember" xlink:href="bbva-20241231.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_e603b878-5aeb-4bf1-8c8a-72be5cc2d71f_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostAxis" xlink:href="bbva-20241231.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_bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember_a6f4315c-418c-4d45-8e05-952400519fb5_terseLabel_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash changes from foreign exchange movements [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember_label_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from foreign exchange movements [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember_documentation_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from foreign exchange movements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" xlink:href="bbva-20241231.xsd#bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" xlink:to="lab_bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssuedInForeignCurrencyMember_3859bcf8-016a-4a39-8259-7dd8f4dbe0c5_terseLabel_en-US" xlink:label="lab_bbva_IssuedInForeignCurrencyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">issued in foreign currency</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuedInForeignCurrencyMember" xlink:href="bbva-20241231.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_bbva_ProvisionsOrReversalOfProvisionsAbstract_label_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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" 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-20241231.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_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock_af9c38ee-064f-4482-947b-cf5c5dff4c5f_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_8663f379-9425-49ff-b297-ddc3da40d509_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProbabilityOfDefaultLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disclosure of probability of default</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfProbabilityOfDefaultLineItems" xlink:href="bbva-20241231.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_771cd127-257c-4bd4-b390-383fcf6c1ab6_terseLabel_en-US" xlink:label="lab_bbva_ProfitOfBBVAAfterTheProvisionForIncomeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified_6aa84c70-e752-485f-a398-d1a36b96437e_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_c6d5ed0e-f015-4920-9125-7fd000f71ec9_terseLabel_en-US" xlink:label="lab_bbva_BbvaGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Bbva group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BbvaGroupMember" xlink:href="bbva-20241231.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_ExecutiveDirectorsTableTextBlock_aec6eaf8-33f8-4048-8a31-f8bfff29fef6_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsTableTextBlock" xlink:href="bbva-20241231.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_992e8c61-bdeb-4121-9c87-7f1712a134a4_terseLabel_en-US" xlink:label="lab_bbva_CommitmentsAndGuaranteesGivenTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Commitments and guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommitmentsAndGuaranteesGivenTableTextBlock" xlink:href="bbva-20241231.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_c14f9a8c-857d-4e34-abca-124d40ebd46d_negatedTerseLabel_en-US" xlink:label="lab_bbva_BetaSignificantUnobservableInputs" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Beta (significant unobservable inputs)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BetaSignificantUnobservableInputs" xlink:href="bbva-20241231.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_e5269cc3-7ecc-44b2-8c34-05127e824d5f_terseLabel_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Collateral pledges received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollateralPledgesReceivedTableTextBlock" xlink:href="bbva-20241231.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_2b5bd52c-db75-46dd-8f42-d95166bc1c7e_terseLabel_en-US" xlink:label="lab_bbva_DirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DirectorsAxis" xlink:href="bbva-20241231.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_ForeignExchangeAndGoldRiskHedgeCashFlowMember_9bcf5298-fdc9-48d1-b427-c8d196268f2e_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_OtherProvisionsOrReversalOfProvisions_345a5650-bba1-4da2-bc56-af4dd120d172_terseLabel_en-US" xlink:label="lab_bbva_OtherProvisionsOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_dab73b60-68df-44eb-9e54-875f8f9a313c_terseLabel_en-US" xlink:label="lab_bbva_EquityDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Equity derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityDerivativesMember" xlink:href="bbva-20241231.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_44150741-6daf-47bb-97a1-c99681f1622a_terseLabel_en-US" xlink:label="lab_bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ContributionsByPlanParticipantsMember_9e15c593-b89d-49d4-affb-1ad3ce3d3c46_terseLabel_en-US" xlink:label="lab_bbva_ContributionsByPlanParticipantsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Contributions by plan participants</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ContributionsByPlanParticipantsMember" xlink:href="bbva-20241231.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_702c33f9-5274-4c42-9def-a5e48e1dad97_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset_838f5aff-78a0-4cd5-bc64-4af49605ae5b_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_SubordinatedDeposits_095e86de-48f7-4530-a1c7-f7552eee43c5_terseLabel_en-US" xlink:label="lab_bbva_SubordinatedDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Subordinated deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubordinatedDeposits" xlink:href="bbva-20241231.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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis_3a67d4b3-4dc0-4b18-ace2-5ae7deb99d47_terseLabel_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_6e7c8089-1962-42cd-b361-4ab13cf4347c_terseLabel_en-US" xlink:label="lab_bbva_CashAndWithdrawableCentralBankReservesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_98fd7069-caeb-4838-a05b-cc1bda828ae4_terseLabel_en-US" xlink:label="lab_bbva_AssuranceServicesAndOtherRequiredByTheRegulator" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_FinancialLiabilitiesAtFairValueByLevelsTable_3e6cb49d-f30d-403a-bca9-39ac2fba572a_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_FinancialLiabilitiesAtFairValueByLevelsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtFairValueByLevelsTable" xlink:to="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommoditiesRiskHedgeCashFlowMember_3bf0b97e-f8db-46c2-88bd-8102256b7608_terseLabel_en-US" xlink:label="lab_bbva_CommoditiesRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commodities risk hedge cash flow [Member]</link:label>
    <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" 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" xml:lang="en-US">Commodities risk hedge cash flow</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommoditiesRiskHedgeCashFlowMember" xlink:href="bbva-20241231.xsd#bbva_CommoditiesRiskHedgeCashFlowMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommoditiesRiskHedgeCashFlowMember" xlink:to="lab_bbva_CommoditiesRiskHedgeCashFlowMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasuryStockLineItems_2884cbc8-66bd-4513-88c8-a6bba707c04b_terseLabel_en-US" xlink:label="lab_bbva_TreasuryStockLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock [Line Items]</link:label>
    <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" 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" xml:lang="en-US">Treasury stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasuryStockLineItems" xlink:href="bbva-20241231.xsd#bbva_TreasuryStockLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasuryStockLineItems" xlink:to="lab_bbva_TreasuryStockLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashOrCashEquivalentsInListedMarketsMember_81f1444c-3ced-4f63-ae79-4ecd8f6bc595_terseLabel_en-US" xlink:label="lab_bbva_CashOrCashEquivalentsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Cash or cash equivalents in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashOrCashEquivalentsInListedMarketsMember" xlink:href="bbva-20241231.xsd#bbva_CashOrCashEquivalentsInListedMarketsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashOrCashEquivalentsInListedMarketsMember" xlink:to="lab_bbva_CashOrCashEquivalentsInListedMarketsMember" xlink:type="arc" order="1"/>
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    <link:label id="lab_bbva_InterestSpreadRiskMember_abe1bc1a-f66e-4400-8b1a-c80b1daf888f_terseLabel_en-US" xlink:label="lab_bbva_InterestSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest spread risk [Member]</link:label>
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    <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" xml:lang="en-US">Interest spread risk</link:label>
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    <link:label id="lab_bbva_Series12NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember_719d7dea-75ee-401a-a8fa-59a61203cd27_terseLabel_en-US" xlink:label="lab_bbva_Series12NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">A9375 Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities</link:label>
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    <link:label id="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock_b3373ed1-53aa-4712-820b-d0488f4b71fb_terseLabel_en-US" xlink:label="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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>
    <link:label id="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock_label_en-US" xlink:label="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reconciliation of taxation at the Spanish corporation tax rate to the tax expense recorded for the year [Table Text Block]</link:label>
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    <link:label id="lab_bbva_ExchangeDifferenceAndOtherTangibleAssetsMember_1a12cc28-5fc4-4996-bcfa-2e7b490bc64a_terseLabel_en-US" xlink:label="lab_bbva_ExchangeDifferenceAndOtherTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange difference and other tangible assets [Member]</link:label>
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    <link:label id="lab_bbva_ExchangeDifferenceAndOtherTangibleAssetsMember_documentation_en-US" xlink:label="lab_bbva_ExchangeDifferenceAndOtherTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Exchange difference and other tangible assets</link:label>
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    <link:label id="lab_ifrs-full_TreasurySharesMember_a8920f7a-e9fd-4d84-b675-ae07b9f774a8_terseLabel_en-US" xlink:label="lab_ifrs-full_TreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares [member]</link:label>
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    <link:label id="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss_8fe6fe1e-6a27-4657-808d-7b84a4fd4b6f_terseLabel_en-US" xlink:label="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share of other recognized income and expense of investments in joint ventures and associates that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share of other recognized income and expense of investments in joint ventures and associates that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share of other recognized income and expense of investments in joint ventures and associates that will not be reclassified to profit or loss</link:label>
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    <link:label id="lab_ifrs-full_AssetsLiabilitiesOfBenefitPlan_ec212a73-daa8-4f44-972c-4c45c83e23a2_periodStartLabel_en-US" xlink:label="lab_ifrs-full_AssetsLiabilitiesOfBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Net assets available for benefits at beginning of period</link:label>
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    <link:label id="lab_bbva_DisposalOfEntitiesInTheYearMember_49e62d3b-d217-4dcc-bd7c-0b01aba4e3cb_terseLabel_en-US" xlink:label="lab_bbva_DisposalOfEntitiesInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal of entities in the year [Member]</link:label>
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    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsTable_4b9134e1-78d8-477b-aca7-a7e988b2ee74_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturity of future payment obligations [Table]</link:label>
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    <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" xml:lang="en-US">Statement of comprehensive income [abstract]</link:label>
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    <link:label id="lab_bbva_CollateralPledgesReceivedLineItems_f45eff7e-ff44-45a1-abf8-41279cf05380_terseLabel_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral pledges received [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollateralPledgesReceivedLineItems" xlink:href="bbva-20241231.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_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources_84fe6974-dcea-4433-8966-1e2e05f33696_terseLabel_en-US" xlink:label="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_fd771cf4-28b6-4d5b-8029-eb320b2bcbf7_terseLabel_en-US" xlink:label="lab_bbva_BasisPointsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Basis points</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointsDomain" xlink:href="bbva-20241231.xsd#bbva_BasisPointsDomain"/>
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    <link:label id="lab_bbva_ExposureToLeverageRatio_3ead75b4-0da9-442a-ac7c-2eb3c630fdcd_terseLabel_en-US" xlink:label="lab_bbva_ExposureToLeverageRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Exposure to leverage ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExposureToLeverageRatio" xlink:href="bbva-20241231.xsd#bbva_ExposureToLeverageRatio"/>
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    <link:label id="lab_bbva_TypesOfLoansAndReceivablesAxis_522909f5-387a-4ecd-9e60-00e6ca4199f3_terseLabel_en-US" xlink:label="lab_bbva_TypesOfLoansAndReceivablesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Types Of Loans And Receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypesOfLoansAndReceivablesAxis" xlink:href="bbva-20241231.xsd#bbva_TypesOfLoansAndReceivablesAxis"/>
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    <link:label id="lab_bbva_CostServiceMarginMember_3f412879-a773-4174-9245-3d66d952fad4_terseLabel_en-US" xlink:label="lab_bbva_CostServiceMarginMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cost service margin [Member]</link:label>
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    <link:label id="lab_bbva_CostServiceMarginMember_documentation_en-US" xlink:label="lab_bbva_CostServiceMarginMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cost service margin</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CostServiceMarginMember" xlink:href="bbva-20241231.xsd#bbva_CostServiceMarginMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CostServiceMarginMember" xlink:to="lab_bbva_CostServiceMarginMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_a1385a18-6275-4560-a8f5-fd36971c64ed_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on hedges of net investments in foreign operations, before tax</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:to="lab_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member_f46fdcaf-8bde-4a99-b4ac-3aa90bd0b6b6_terseLabel_en-US" xlink:label="lab_bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems_1787d70c-c2d0-448b-b033-fe60d7fd8d5f_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_CollectionsTreasurySharesDisposal_615d0294-61aa-4d2e-b668-6450f4f41dcf_terseLabel_en-US" xlink:label="lab_bbva_CollectionsTreasurySharesDisposal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collections Treasury shares disposal</link:label>
    <link:label id="lab_bbva_CollectionsTreasurySharesDisposal_label_en-US" xlink:label="lab_bbva_CollectionsTreasurySharesDisposal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collections Treasury shares disposal</link:label>
    <link:label id="lab_bbva_CollectionsTreasurySharesDisposal_documentation_en-US" xlink:label="lab_bbva_CollectionsTreasurySharesDisposal" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Collections Treasury shares disposal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollectionsTreasurySharesDisposal" xlink:href="bbva-20241231.xsd#bbva_CollectionsTreasurySharesDisposal"/>
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    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_8f9cde33-30f3-4fb6-9b65-32e9818c6de4_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net increase decrease in financial assets at fair value through other comprehensive income</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentInListedMarketsAxis_1f10e295-7df6-4fef-b499-f6082c709827_terseLabel_en-US" xlink:label="lab_bbva_InvestmentInListedMarketsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Investment in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentInListedMarketsAxis" xlink:href="bbva-20241231.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_f04b30f2-a7a2-4fea-9385-705c2c5d0dc5_terseLabel_en-US" xlink:label="lab_bbva_ForeclosuresAndRecoveriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Foreclosures and recoveries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeclosuresAndRecoveriesMember" xlink:href="bbva-20241231.xsd#bbva_ForeclosuresAndRecoveriesMember"/>
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    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems_c1404350-f523-4d5f-9534-b8d2d63ad538_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in goodwill [line items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems"/>
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    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilities_adc85e53-1fd3-48f7-8522-e12e61b9fd74_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_c1910a9e-69d7-421f-aa17-e9dbbe24d96f_terseLabel_en-US" xlink:label="lab_bbva_CapitalAndSharePremiumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Capital and share premium</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CapitalAndSharePremiumMember" xlink:href="bbva-20241231.xsd#bbva_CapitalAndSharePremiumMember"/>
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    <link:label id="lab_bbva_ReservesAcumulatedGains_65fa8651-8020-4cd8-9d2c-325c085ed346_terseLabel_en-US" xlink:label="lab_bbva_ReservesAcumulatedGains" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Reserves / Acumulated gains</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReservesAcumulatedGains" xlink:href="bbva-20241231.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_99c995f5-0974-4fc7-a92c-60297db88973_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Impairment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentMember" xlink:href="bbva-20241231.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_OfWhichSecuredByCollateralMember_87b42162-0b4a-4721-9f5a-967e32b389f0_terseLabel_en-US" xlink:label="lab_bbva_OfWhichSecuredByCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which secured by collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichSecuredByCollateralMember" xlink:href="bbva-20241231.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_CompaniesHeldForSale_f1936371-2932-420d-8041-ea4ba0a717e8_terseLabel_en-US" xlink:label="lab_bbva_CompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Companies held for sale</link:label>
    <link:label id="lab_bbva_CompaniesHeldForSale_label_en-US" xlink:label="lab_bbva_CompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Companies held for sale</link:label>
    <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" xml:lang="en-US">Companies held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CompaniesHeldForSale" xlink:href="bbva-20241231.xsd#bbva_CompaniesHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CompaniesHeldForSale" xlink:to="lab_bbva_CompaniesHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale_190b11fe-60e8-4f0a-858d-1b244e390c01_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains losses on sale of equity instruments classified as non current assets held for sale</link:label>
    <link:label id="lab_bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale_label_en-US" xlink:label="lab_bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains losses on sale of equity instruments classified as non current assets held for sale</link:label>
    <link:label id="lab_bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains losses on sale of equity instruments classified as non current assets held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:href="bbva-20241231.xsd#bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:to="lab_bbva_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FixturesAndFittingsMember_c0fb1c87-53c7-4343-9409-375e45061b87_terseLabel_en-US" xlink:label="lab_ifrs-full_FixturesAndFittingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_SensitivityAnalysisForMainAssumptionsMexicoTable_d5c7d4eb-7a44-4b48-8d4b-03f18d027c2b_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity analysis for main assumptions Mexico [Table]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTable_label_en-US" xlink:label="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity analysis for main assumptions Mexico [Table]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTable_documentation_en-US" xlink:label="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity analysis for main assumptions Mexico</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisForMainAssumptionsMexicoTable" xlink:href="bbva-20241231.xsd#bbva_SensitivityAnalysisForMainAssumptionsMexicoTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityAnalysisForMainAssumptionsMexicoTable" xlink:to="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExchangeRateDifferencesFromInsuranceContracts_c93ddaf8-1014-443a-843c-c9cf250db426_terseLabel_en-US" xlink:label="lab_bbva_ExchangeRateDifferencesFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange rate differences from insurance contracts</link:label>
    <link:label id="lab_bbva_ExchangeRateDifferencesFromInsuranceContracts_label_en-US" xlink:label="lab_bbva_ExchangeRateDifferencesFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchange rate differences from insurance contracts</link:label>
    <link:label id="lab_bbva_ExchangeRateDifferencesFromInsuranceContracts_documentation_en-US" xlink:label="lab_bbva_ExchangeRateDifferencesFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Exchange rate differences from insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExchangeRateDifferencesFromInsuranceContracts" xlink:href="bbva-20241231.xsd#bbva_ExchangeRateDifferencesFromInsuranceContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExchangeRateDifferencesFromInsuranceContracts" xlink:to="lab_bbva_ExchangeRateDifferencesFromInsuranceContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_03b29cd8-bda3-4ace-8ebd-1f92b309a914_terseLabel_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net increase decrease in non trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net increase decrease in non trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net increase decrease in non trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:to="lab_bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating_7f3d66c8-904d-48bf-a9b1-7acc13d7780e_terseLabel_en-US" xlink:label="lab_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating" xlink:to="lab_bbva_PercentageOfDebtSecuritiesAtAmortizedCostByRating" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners_3146941a-36c8-49ae-906c-14d89283a98b_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain_c952c9ae-5f6f-45e1-b716-ba62adb424eb_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value breakdown by type of liabilities [Domain]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value breakdown by type of liabilities [Domain]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" xlink:href="bbva-20241231.xsd#bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" xlink:to="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentMember_17ad5d43-2fc8-40d9-9421-9899f76347de_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ResidualMaturitiesInstrumentsAxis_a65f978b-ff1c-4c1f-985f-d5e0ae3fbb0a_terseLabel_en-US" xlink:label="lab_bbva_ResidualMaturitiesInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residual maturities instruments [Axis]</link:label>
    <link:label id="lab_bbva_ResidualMaturitiesInstrumentsAxis_label_en-US" xlink:label="lab_bbva_ResidualMaturitiesInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residual maturities instruments [Axis]</link:label>
    <link:label id="lab_bbva_ResidualMaturitiesInstrumentsAxis_documentation_en-US" xlink:label="lab_bbva_ResidualMaturitiesInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Residual maturities instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ResidualMaturitiesInstrumentsAxis" xlink:href="bbva-20241231.xsd#bbva_ResidualMaturitiesInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ResidualMaturitiesInstrumentsAxis" xlink:to="lab_bbva_ResidualMaturitiesInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock_57da8f81-86d3-49d2-9135-04340c00303e_terseLabel_en-US" xlink:label="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Memorandum item subordinated liabilities at amortized cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock_label_en-US" xlink:label="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Memorandum item subordinated liabilities at amortized cost [Table Text Block]</link:label>
    <link:label id="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock_documentation_en-US" xlink:label="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Memorandum item subordinated liabilities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" xlink:to="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory_a6747b58-e8b8-4fe3-aa44-e073853122b9_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of transactions between related parties [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of transactions between related parties [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory"/>
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    <link:label id="lab_ifrs-full_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_b1acd976-1e72-43e0-a47e-ad1addbc0341_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity instruments held at fair value through profit or loss, classified as held for trading</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:to="lab_ifrs-full_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_3c49146e-75a2-454d-a338-c1987ab963e2_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PurchasesOfTreasurySharesInMillionsOfEuros_d78cc90b-c564-4083-a6ab-feeed818c0ed_terseLabel_en-US" xlink:label="lab_bbva_PurchasesOfTreasurySharesInMillionsOfEuros" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases of treasury shares in millions of euros</link:label>
    <link:label id="lab_bbva_PurchasesOfTreasurySharesInMillionsOfEuros_label_en-US" xlink:label="lab_bbva_PurchasesOfTreasurySharesInMillionsOfEuros" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchases of treasury shares in millions of euros</link:label>
    <link:label id="lab_bbva_PurchasesOfTreasurySharesInMillionsOfEuros_documentation_en-US" xlink:label="lab_bbva_PurchasesOfTreasurySharesInMillionsOfEuros" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Purchases of treasury shares in millions of euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PurchasesOfTreasurySharesInMillionsOfEuros" xlink:href="bbva-20241231.xsd#bbva_PurchasesOfTreasurySharesInMillionsOfEuros"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PurchasesOfTreasurySharesInMillionsOfEuros" xlink:to="lab_bbva_PurchasesOfTreasurySharesInMillionsOfEuros" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ShareBuybackProgram_4e759bb9-06fb-4787-9c8f-3e8cb2af9f36_terseLabel_en-US" xlink:label="lab_bbva_ShareBuybackProgram" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share buyback program</link:label>
    <link:label id="lab_bbva_ShareBuybackProgram_label_en-US" xlink:label="lab_bbva_ShareBuybackProgram" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share buyback program</link:label>
    <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" xml:lang="en-US">Share buyback program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareBuybackProgram" xlink:href="bbva-20241231.xsd#bbva_ShareBuybackProgram"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShareBuybackProgram" xlink:to="lab_bbva_ShareBuybackProgram" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAGarantiMember_37e0a99b-e746-4c72-bfc8-0d17331f237c_terseLabel_en-US" xlink:label="lab_bbva_BBVAGarantiMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA Garanti</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAGarantiMember" xlink:href="bbva-20241231.xsd#bbva_BBVAGarantiMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAGarantiMember" xlink:to="lab_bbva_BBVAGarantiMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock_4a429e36-36af-43c2-a073-fbd0dd26124a_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted reserves breakdown by concepts [Table Text Block]</link:label>
    <link:label id="lab_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock_label_en-US" xlink:label="lab_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted reserves breakdown by concepts [Table Text Block]</link:label>
    <link:label id="lab_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Restricted reserves breakdown by concepts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_RestrictedReservesBreakdownByConceptsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock" xlink:to="lab_bbva_RestrictedReservesBreakdownByConceptsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherServicesRenderedTableTextBlock_a4d4716a-c9b0-47b8-87bf-5daf61ae4a5b_terseLabel_en-US" xlink:label="lab_bbva_OtherServicesRenderedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other services rendered [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherServicesRenderedTableTextBlock_label_en-US" xlink:label="lab_bbva_OtherServicesRenderedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other services rendered [Table Text Block]</link:label>
    <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" xml:lang="en-US">Other services rendered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherServicesRenderedTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_OtherServicesRenderedTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherServicesRenderedTableTextBlock" xlink:to="lab_bbva_OtherServicesRenderedTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory_8067829a-f539-4cd4-942f-73c545697c49_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_BenefitPaymentsForPensions_454c18ca-dcf0-4242-bae9-af01f13c7b70_terseLabel_en-US" xlink:label="lab_bbva_BenefitPaymentsForPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Benefit payments for pensions</link:label>
    <link:label id="lab_bbva_BenefitPaymentsForPensions_label_en-US" xlink:label="lab_bbva_BenefitPaymentsForPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Benefit payments for pensions</link:label>
    <link:label id="lab_bbva_BenefitPaymentsForPensions_documentation_en-US" xlink:label="lab_bbva_BenefitPaymentsForPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Benefit payments for pensions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BenefitPaymentsForPensions" xlink:href="bbva-20241231.xsd#bbva_BenefitPaymentsForPensions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BenefitPaymentsForPensions" xlink:to="lab_bbva_BenefitPaymentsForPensions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock_e05480d7-b4c4-43ef-976b-83ab44ee06ed_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration Senior management [Table Text Block]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock_label_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration Senior management [Table Text Block]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration Senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock" xlink:to="lab_bbva_AnnualFixedRemunerationSeniorManagementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems_35197915-b6e2-44c8-8b06-d9121e673f97_terseLabel_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contribution to Consolidated Group total assets [Line Items]</link:label>
    <link:label id="lab_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems_label_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contribution to Consolidated Group total assets [Line Items]</link:label>
    <link:label id="lab_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems_documentation_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Contribution to Consolidated Group total assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems" xlink:href="bbva-20241231.xsd#bbva_ContributionToConsolidatedGroupTotalAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems" xlink:to="lab_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation_f007444f-3671-44a7-8ec6-2cb859a10582_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_AnnualVariableRemunerationBBVADirectorsInShares_7cd8e613-5c9b-4dec-b54e-528696b16508_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual variable remuneration BBVA directors in shares</link:label>
    <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" xml:lang="en-US">Annual variable remuneration BBVA directors in shares</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationBBVADirectorsInShares_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsInShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual variable remuneration BBVA directors in shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationBBVADirectorsInShares" xlink:href="bbva-20241231.xsd#bbva_AnnualVariableRemunerationBBVADirectorsInShares"/>
    <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_bbva_AmountOfReconciliation_f3e17dd3-01ab-4d9c-b8d1-d6133b283c85_terseLabel_en-US" xlink:label="lab_bbva_AmountOfReconciliation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Amount of reconciliation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfReconciliation" xlink:href="bbva-20241231.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_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros_d1814a25-106a-4b36-aace-384bab4dae21_terseLabel_en-US" xlink:label="lab_bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale or issue of treasury shares</link:label>
    <link:label id="lab_bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros_label_en-US" xlink:label="lab_bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales and other changes in treasury shares in millions of euros</link:label>
    <link:label id="lab_bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros_documentation_en-US" xlink:label="lab_bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sales and other changes in treasury shares in millions of euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" xlink:href="bbva-20241231.xsd#bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" xlink:to="lab_bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems_9f065857-0908-423b-bf3a-f47e19f2c719_terseLabel_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_BusinessCombinationsMember_345990a7-e02f-4421-9ff4-d217b5a34e26_terseLabel_en-US" xlink:label="lab_ifrs-full_BusinessCombinationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total for all business combinations [member]</link:label>
    <link:label id="lab_ifrs-full_BusinessCombinationsMember_label_en-US" xlink:label="lab_ifrs-full_BusinessCombinationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total for all business combinations [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BusinessCombinationsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_BusinessCombinationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BusinessCombinationsMember" xlink:to="lab_ifrs-full_BusinessCombinationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostAbstract_4c860fca-f368-4adc-86f3-4d6c49b338fe_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_DepreciationAndAmortisationExpenseAbstract_57881482-8ba6-489d-ab9c-de3928b9d87f_terseLabel_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortisation expense [abstract]</link:label>
    <link:label id="lab_ifrs-full_DepreciationAndAmortisationExpenseAbstract_label_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation and amortisation expense [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepreciationAndAmortisationExpenseAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable_4bee5fac-2b86-4e2d-8b74-a91c92e39b0a_terseLabel_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variation in liabilities under Insurance and Reinsurance Contracts analyzed by liabilities for the remaining coverage and liabilities for incurred claims [Table]</link:label>
    <link:label id="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable_label_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variation in liabilities under Insurance and Reinsurance Contracts analyzed by liabilities for the remaining coverage and liabilities for incurred claims [Table]</link:label>
    <link:label id="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable_documentation_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variation in liabilities under Insurance and Reinsurance Contracts analyzed by liabilities for the remaining coverage and liabilities for incurred claims</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable" xlink:href="bbva-20241231.xsd#bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable"/>
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    <link:label id="lab_ifrs-full_DebtInstrumentsIssuedAtAmortisedCost_51b7915f-d5ca-40da-a5ba-7e781c581a45_terseLabel_en-US" xlink:label="lab_ifrs-full_DebtInstrumentsIssuedAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt instruments issued at amortised cost</link:label>
    <link:label id="lab_ifrs-full_DebtInstrumentsIssuedAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_DebtInstrumentsIssuedAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt instruments issued at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DebtInstrumentsIssuedAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DebtInstrumentsIssuedAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DebtInstrumentsIssuedAtAmortisedCost" xlink:to="lab_ifrs-full_DebtInstrumentsIssuedAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeBenefitCommitments_32b95d06-7f57-4dfc-973f-9ffd7a4fc528_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest Income Benefit Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeBenefitCommitments" xlink:href="bbva-20241231.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_OtherImpairmentLosses_ed75e876-dc81-451c-a0c3-2f4ce325f53e_terseLabel_en-US" xlink:label="lab_bbva_OtherImpairmentLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other impairment losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherImpairmentLosses" xlink:href="bbva-20241231.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_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations_be3670bc-dd70-4c1e-927d-2f388929806d_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations"/>
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    <link:label id="lab_bbva_ForeignExchangeAndGoldRiskMember_0ec1520b-8a8b-4d07-b688-42061170e035_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Foreign exchange and gold risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignExchangeAndGoldRiskMember" xlink:href="bbva-20241231.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_19944eee-6dc8-4645-8438-46271d9e7c09_terseLabel_en-US" xlink:label="lab_bbva_Level2BTradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Level 2B tradable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Level2BTradableAssetsMember" xlink:href="bbva-20241231.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_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet_9e11fb99-901a-43ac-b45c-ecc22283c0ab_totalLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gains or losses on financial assets and liabilities held for trading net</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet_10ee517a-88b8-4e30-90d8-f1e77ef62b7f_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_45f45198-90f7-4787-a7cc-f38af6375ed6_terseLabel_en-US" xlink:label="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_0fca7ae5-423c-433c-bbab-0dafb6496254_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maximum credit risk exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureTable" xlink:href="bbva-20241231.xsd#bbva_MaximumCreditRiskExposureTable"/>
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    <link:label id="lab_ifrs-full_ProfitLossFromContinuingOperations_71245dbc-40d1-42ef-89ea-a874d400beb6_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) from continuing operations</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_ProfitLossFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss) from continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossFromContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ProfitLossFromContinuingOperations"/>
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    <link:label id="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems_45d78e85-c685-4b4e-bdac-3b908b7d065d_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading_beaea590-af3e-4bad-8f3b-2c350c9f71a1_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense on financial liabilities held for trading</link:label>
    <link:label id="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest expense on financial liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading"/>
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    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementInCash_04f0b25f-465e-472e-bba9-a541d942aeb6_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_5d06a9b9-6b0e-424e-a39e-f33c0c5ea74f_terseLabel_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated liabilities at amortized cost [Line Items]</link:label>
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    <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" xml:lang="en-US">Subordinated liabilities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubordinatedLiabilitiesAtAmortizedCostLineItems" xlink:href="bbva-20241231.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_dei_EntityCentralIndexKey_f73627f4-08e0-4590-8c3c-b48559572da5_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConsolidatedTaxGroupInSpainMember_03d2f58d-2ca3-4adb-a669-1284bc906e56_terseLabel_en-US" xlink:label="lab_bbva_ConsolidatedTaxGroupInSpainMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Consolidated tax group in Spain</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConsolidatedTaxGroupInSpainMember" xlink:href="bbva-20241231.xsd#bbva_ConsolidatedTaxGroupInSpainMember"/>
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    <link:label id="lab_ifrs-full_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading_e49e7d1c-373c-4987-a8af-8a686ee972a4_terseLabel_en-US" xlink:label="lab_ifrs-full_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits at fair value through profit or loss that meet definition of held for trading</link:label>
    <link:label id="lab_ifrs-full_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits at fair value through profit or loss that meet definition of held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" xlink:to="lab_ifrs-full_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherCommitmentsGivenRelatedPartyTransactions_3ecde796-70d3-4e77-a327-aded214b48f8_terseLabel_en-US" xlink:label="lab_bbva_OtherCommitmentsGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_OtherCommitmentsGivenRelatedPartyTransactions"/>
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    <link:label id="lab_bbva_AmountsTransferredToIncome_7c59f726-1704-456f-9f66-8a3f5e75a119_terseLabel_en-US" xlink:label="lab_bbva_AmountsTransferredToIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Amounts transferred to income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountsTransferredToIncome" xlink:href="bbva-20241231.xsd#bbva_AmountsTransferredToIncome"/>
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    <link:label id="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod_3177b803-e61b-4df2-a3ba-2ce6e9deb257_terseLabel_en-US" xlink:label="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share of profit (loss) of associates and joint ventures accounted for using equity method</link:label>
    <link:label id="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod_label_en-US" xlink:label="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share of profit (loss) of associates and joint ventures accounted for using equity method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod"/>
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    <link:label id="lab_bbva_UnencumberedAssets_e4b7bf63-00f6-4579-a036-9a45250d6e85_terseLabel_en-US" xlink:label="lab_bbva_UnencumberedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unencumbered assets</link:label>
    <link:label id="lab_bbva_UnencumberedAssets_label_en-US" xlink:label="lab_bbva_UnencumberedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unencumbered assets</link:label>
    <link:label id="lab_bbva_UnencumberedAssets_documentation_en-US" xlink:label="lab_bbva_UnencumberedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnencumberedAssets" xlink:href="bbva-20241231.xsd#bbva_UnencumberedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_UnencumberedAssets" xlink:to="lab_bbva_UnencumberedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions_d3b41cf4-714b-4f57-8790-cac48ff8a161_periodStartLabel_en-US" xlink:label="lab_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions_307ee708-43ec-4200-96a9-39f1a2cb5e3b_periodEndLabel_en-US" xlink:label="lab_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions_label_en-US" xlink:label="lab_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions_documentation_en-US" xlink:label="lab_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provisions for taxes legal contingents and other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:href="bbva-20241231.xsd#bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:to="lab_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock_c1c3d392-adb9-40f2-98d6-5f4979da1d76_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of financial assets by levels, valuation techniques and inputs [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" xlink:to="lab_bbva_FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember_e0b5beb8-ad40-414f-ad09-6cb7f4653d3e_terseLabel_en-US" xlink:label="lab_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimates of present value of future cash flows [member]</link:label>
    <link:label id="lab_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember_label_en-US" xlink:label="lab_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimates of present value of future cash flows [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember"/>
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    <link:label id="lab_currency_USD_cc2b3dbb-3b23-4a0a-b8e7-6ebb8637c181_terseLabel_en-US" xlink:label="lab_currency_USD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">United States of America, Dollars</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_currency_USD" xlink:href="https://xbrl.sec.gov/currency/2024/currency-2024.xsd#currency_USD"/>
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    <link:label id="lab_bbva_OtherEffectsReconciliationMember_1bb7bc1c-ac8f-4237-8cfb-d9ac4561498c_terseLabel_en-US" xlink:label="lab_bbva_OtherEffectsReconciliationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other effects Reconciliation [Member]</link:label>
    <link:label id="lab_bbva_OtherEffectsReconciliationMember_label_en-US" xlink:label="lab_bbva_OtherEffectsReconciliationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other effects Reconciliation [Member]</link:label>
    <link:label id="lab_bbva_OtherEffectsReconciliationMember_documentation_en-US" xlink:label="lab_bbva_OtherEffectsReconciliationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other effects Reconciliation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherEffectsReconciliationMember" xlink:href="bbva-20241231.xsd#bbva_OtherEffectsReconciliationMember"/>
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    <link:label id="lab_bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember_854f9069-9f35-4a02-85e5-4c16d2a3a6d8_terseLabel_en-US" xlink:label="lab_bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance and pension and investment fund managing companies [Member]</link:label>
    <link:label id="lab_bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember_label_en-US" xlink:label="lab_bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance and pension and investment fund managing companies [Member]</link:label>
    <link:label id="lab_bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember_documentation_en-US" xlink:label="lab_bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance and pension and investment fund managing companies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" xlink:href="bbva-20241231.xsd#bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" xlink:to="lab_bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipment_c06d0fc1-0b19-4133-93d2-afa2394e2718_totalLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_PropertyPlantAndEquipment"/>
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    <link:label id="lab_ifrs-full_RevenueFromDividends_d7937eb2-c64a-42ec-a37d-82824f9b8ef6_terseLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromDividends" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend income</link:label>
    <link:label id="lab_ifrs-full_RevenueFromDividends_label_en-US" xlink:label="lab_ifrs-full_RevenueFromDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RevenueFromDividends" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_RevenueFromDividends"/>
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    <link:label id="lab_bbva_TotalCapitalTier1Tier2EligibleCapitalResources_272faa24-dbe6-4eea-a6f5-941b896ef95e_terseLabel_en-US" xlink:label="lab_bbva_TotalCapitalTier1Tier2EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital tier 1 tier 2 eligible capital resources</link:label>
    <link:label id="lab_bbva_TotalCapitalTier1Tier2EligibleCapitalResources_label_en-US" xlink:label="lab_bbva_TotalCapitalTier1Tier2EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total capital tier 1 tier 2 eligible capital resources</link:label>
    <link:label id="lab_bbva_TotalCapitalTier1Tier2EligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_TotalCapitalTier1Tier2EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total capital tier 1 tier 2 eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalCapitalTier1Tier2EligibleCapitalResources" xlink:href="bbva-20241231.xsd#bbva_TotalCapitalTier1Tier2EligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalCapitalTier1Tier2EligibleCapitalResources" xlink:to="lab_bbva_TotalCapitalTier1Tier2EligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_8ef10826-dfc2-4c22-a29b-fa8b1a337245_terseLabel_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:to="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AcquisitionOfSubsidiariesInTheYearMember_0684f47d-3dc5-4960-8445-ff6c60b783f7_terseLabel_en-US" xlink:label="lab_bbva_AcquisitionOfSubsidiariesInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition of subsidiaries in the year [Member]</link:label>
    <link:label id="lab_bbva_AcquisitionOfSubsidiariesInTheYearMember_label_en-US" xlink:label="lab_bbva_AcquisitionOfSubsidiariesInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Acquisition of subsidiaries in the year [Member]</link:label>
    <link:label id="lab_bbva_AcquisitionOfSubsidiariesInTheYearMember_documentation_en-US" xlink:label="lab_bbva_AcquisitionOfSubsidiariesInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Acquisition of subsidiaries in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AcquisitionOfSubsidiariesInTheYearMember" xlink:href="bbva-20241231.xsd#bbva_AcquisitionOfSubsidiariesInTheYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AcquisitionOfSubsidiariesInTheYearMember" xlink:to="lab_bbva_AcquisitionOfSubsidiariesInTheYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock_017fb352-a35b-414c-9c87-729b7ab2ced6_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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_label_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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" 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-20241231.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_e1d97de9-7c5b-4bb4-ba7b-ab80f16efc4f_terseLabel_en-US" xlink:label="lab_bbva_SensitivityToOnePercentMainCurrencies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_SensitivityToOnePercentMainCurrencies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityToOnePercentMainCurrencies" xlink:to="lab_bbva_SensitivityToOnePercentMainCurrencies" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncreaseOf50BasisPointsMember_77e6a9de-6bcb-41ad-84bb-47a597b36a8e_terseLabel_en-US" xlink:label="lab_bbva_IncreaseOf50BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Increase of 50 basis points</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncreaseOf50BasisPointsMember" xlink:href="bbva-20241231.xsd#bbva_IncreaseOf50BasisPointsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncreaseOf50BasisPointsMember" xlink:to="lab_bbva_IncreaseOf50BasisPointsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock_9fc01743-f345-414d-a1a4-e2ae58a72835_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries net assets values [Table Text Block]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock_label_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries net assets values [Table Text Block]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries net assets values</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" xlink:to="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CarryingAmountPresentedAsFairValueMember_f6d8f333-36df-44ef-8ebe-e6980428c31a_terseLabel_en-US" xlink:label="lab_bbva_CarryingAmountPresentedAsFairValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying amount presented as fair value [Member]</link:label>
    <link:label id="lab_bbva_CarryingAmountPresentedAsFairValueMember_label_en-US" xlink:label="lab_bbva_CarryingAmountPresentedAsFairValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Carrying amount presented as fair value [Member]</link:label>
    <link:label id="lab_bbva_CarryingAmountPresentedAsFairValueMember_documentation_en-US" xlink:label="lab_bbva_CarryingAmountPresentedAsFairValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Carrying amount presented as fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CarryingAmountPresentedAsFairValueMember" xlink:href="bbva-20241231.xsd#bbva_CarryingAmountPresentedAsFairValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CarryingAmountPresentedAsFairValueMember" xlink:to="lab_bbva_CarryingAmountPresentedAsFairValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD_2e8ef70b-89d4-4682-a67f-e67316182228_terseLabel_en-US" xlink:label="lab_bbva_AdjustedNumberOfSharesDilutedEarningsPerShareD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_DisclosureOfCapitalTextBlock_77a7a953-efde-4b2c-8d6a-1b8295d1e7a3_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfCapitalTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Common Stock [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfCapitalTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfCapitalTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Capital [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfCapitalTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfCapitalTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfCapitalTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfCapitalTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfCapitalTextBlock" xlink:to="lab_bbva_DisclosureOfCapitalTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherLiabilitiesLineItems_510a5d42-7f0e-4aa8-8f1e-f46b20f0d0f2_terseLabel_en-US" xlink:label="lab_bbva_OtherLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLiabilitiesLineItems" xlink:href="bbva-20241231.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_77ae9645-e2a3-48c7-aa37-478d735aafb9_terseLabel_en-US" xlink:label="lab_bbva_SecuredPensionsTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Secured pensions tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredPensionsTaxAssets" xlink:href="bbva-20241231.xsd#bbva_SecuredPensionsTaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuredPensionsTaxAssets" xlink:to="lab_bbva_SecuredPensionsTaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LeverageRatio_c80d4084-6245-48e8-807b-1c16f8011b7e_terseLabel_en-US" xlink:label="lab_bbva_LeverageRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Leverage ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LeverageRatio" xlink:href="bbva-20241231.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_dei_CityAreaCode_ce2a6597-1b8b-48e6-8656-998791a90204_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_InterestIncomeForInsuranceActivity_97d46262-dcb9-4bcb-9363-7540a53e828c_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeForInsuranceActivity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest Income For Insurance Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeForInsuranceActivity" xlink:href="bbva-20241231.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_dei_AuditorLocation_002f94ed-614e-4a9b-aae2-3e63f6b85a9f_terseLabel_en-US" xlink:label="lab_dei_AuditorLocation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ImpairedFinancialAssetsAtAmortisedCost_8472291c-1d00-42a9-9c00-3f37c0695b34_terseLabel_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_AggregateOfFairValuesMember_6ed623eb-27c9-4323-b35c-a6ab4e69b5a3_terseLabel_en-US" xlink:label="lab_ifrs-full_AggregateOfFairValuesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate of fair values [member]</link:label>
    <link:label id="lab_ifrs-full_AggregateOfFairValuesMember_label_en-US" xlink:label="lab_ifrs-full_AggregateOfFairValuesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate of fair values [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AggregateOfFairValuesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AggregateOfFairValuesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AggregateOfFairValuesMember" xlink:to="lab_ifrs-full_AggregateOfFairValuesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock_48e02422-a3f6-4bec-86a0-ba6699724729_terseLabel_en-US" xlink:label="lab_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit attributable to non controlling interests [Table Text Block]</link:label>
    <link:label id="lab_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock_label_en-US" xlink:label="lab_bbva_ProfitAttributableToNonControllingInterestsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit attributable to non controlling interests [Table Text Block]</link:label>
    <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" 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-20241231.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_ee94a546-62f8-41a3-a60c-ed727caf8895_terseLabel_en-US" xlink:label="lab_bbva_ValuationGainsAndLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Valuation gains and losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValuationGainsAndLosses" xlink:href="bbva-20241231.xsd#bbva_ValuationGainsAndLosses"/>
    <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_84b5f352-0cd1-49d6-b4a5-ab1ed1aba7ca_terseLabel_en-US" xlink:label="lab_bbva_FairValueHedgesIneffectivenesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Fair value hedges ineffectivenes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueHedgesIneffectivenesMember" xlink:href="bbva-20241231.xsd#bbva_FairValueHedgesIneffectivenesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueHedgesIneffectivenesMember" xlink:to="lab_bbva_FairValueHedgesIneffectivenesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember_fae86f40-c22f-4ff0-81c1-e145a4b730af_terseLabel_en-US" xlink:label="lab_bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable_a49bc62c-0895-4cf2-97e5-4adf1980c79d_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts by type of product [Table]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable_label_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts by type of product [Table]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable_documentation_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts by type of product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable" xlink:to="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetGainsOrLossesOnTransactions_b4c17d5a-0fa0-4ea5-a5c2-7910c49a2bcf_terseLabel_en-US" xlink:label="lab_bbva_NetGainsOrLossesOnTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net gains or losses on transactions</link:label>
    <link:label id="lab_bbva_NetGainsOrLossesOnTransactions_label_en-US" xlink:label="lab_bbva_NetGainsOrLossesOnTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net gains or losses on transactions</link:label>
    <link:label id="lab_bbva_NetGainsOrLossesOnTransactions_documentation_en-US" xlink:label="lab_bbva_NetGainsOrLossesOnTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net gains or losses on transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetGainsOrLossesOnTransactions" xlink:href="bbva-20241231.xsd#bbva_NetGainsOrLossesOnTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetGainsOrLossesOnTransactions" xlink:to="lab_bbva_NetGainsOrLossesOnTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable_bae21f3b-15c7-4a5b-8b62-04b7c7129e0c_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts [Table]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable_label_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts [Table]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable_documentation_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable" xlink:to="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable" 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" 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" xml:lang="en-US">Other Assets And Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsAndLiabilitiesAbstract" xlink:href="bbva-20241231.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_c77fa3fc-5908-43b1-a6d8-fe6b2875f967_terseLabel_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_c1c51f77-4007-45be-a646-fb70141166e1_terseLabel_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_340d8bdf-f594-4d55-8ff3-5342389d6ebc_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_IndividualLifeInsuranceMember_875892df-1d66-4dd1-a8e8-e32144af7240_terseLabel_en-US" xlink:label="lab_bbva_IndividualLifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Individual life insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IndividualLifeInsuranceMember" xlink:href="bbva-20241231.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_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable_03285b83-8ad7-462e-82dc-89f5f2dcd0af_terseLabel_en-US" xlink:label="lab_bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_2047cace-28b0-4831-8d33-f8cf8cc1971d_terseLabel_en-US" xlink:label="lab_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_LandAndBuildingsMember_2adb0f58-55b4-4008-bd8a-09faf73da1e0_terseLabel_en-US" xlink:label="lab_ifrs-full_LandAndBuildingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Land and buildings [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LandAndBuildingsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LandAndBuildingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LandAndBuildingsMember" xlink:to="lab_ifrs-full_LandAndBuildingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_YearsAxis_f8dcec21-bf32-4f46-bb02-63062fbcf4f8_terseLabel_en-US" xlink:label="lab_bbva_YearsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Years</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_YearsAxis" xlink:href="bbva-20241231.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_82d1cd8a-dc2a-49a2-8eaf-5622065f9404_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Other Contingent Assets And Liabilities [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Other Contingent Assets And Liabilities [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of Other Contingent Assets And Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" xlink:to="lab_bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityAndLiabilities_728a82c4-aa0a-44a8-bdec-27bf48a2b753_totalLabel_en-US" xlink:label="lab_ifrs-full_EquityAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Equity and liabilities</link:label>
    <link:label id="lab_ifrs-full_EquityAndLiabilities_label_en-US" xlink:label="lab_ifrs-full_EquityAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EquityAndLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_EquityAndLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityAndLiabilities" xlink:to="lab_ifrs-full_EquityAndLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DiscontinuedOperationsMember_015355a5-7a15-41c3-95a1-c2388d92726c_terseLabel_en-US" xlink:label="lab_ifrs-full_DiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations [member]</link:label>
    <link:label id="lab_ifrs-full_DiscontinuedOperationsMember_label_en-US" xlink:label="lab_ifrs-full_DiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discontinued operations [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DiscontinuedOperationsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DiscontinuedOperationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DiscontinuedOperationsMember" xlink:to="lab_ifrs-full_DiscontinuedOperationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransferredFinancialAssetsAxis_f8936884-50eb-49d6-a449-4f4a932a93a6_terseLabel_en-US" xlink:label="lab_bbva_TransferredFinancialAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">transferred Financial assets [Axis]</link:label>
    <link:label id="lab_bbva_TransferredFinancialAssetsAxis_label_en-US" xlink:label="lab_bbva_TransferredFinancialAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transferred Financial assets [Axis]</link:label>
    <link:label id="lab_bbva_TransferredFinancialAssetsAxis_documentation_en-US" xlink:label="lab_bbva_TransferredFinancialAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transferred Financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferredFinancialAssetsAxis" xlink:href="bbva-20241231.xsd#bbva_TransferredFinancialAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransferredFinancialAssetsAxis" xlink:to="lab_bbva_TransferredFinancialAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable_ef7b9038-2e72-4434-acfa-e77e6f311458_terseLabel_en-US" xlink:label="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reconciliation of taxation at the Spanish corporation tax rate [Table]</link:label>
    <link:label id="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable_label_en-US" xlink:label="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reconciliation of taxation at the Spanish corporation tax rate [Table]</link:label>
    <link:label id="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable_documentation_en-US" xlink:label="lab_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reconciliation of taxation at the Spanish corporation tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" xlink:href="bbva-20241231.xsd#bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable"/>
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    <link:label id="lab_bbva_AmountOfCapitalCC1Table_9697241b-7666-47f9-a396-bca1691261cb_terseLabel_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Table" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of capital CC1 [Table]</link:label>
    <link:label id="lab_bbva_AmountOfCapitalCC1Table_label_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Table" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amount of capital CC1 [Table]</link:label>
    <link:label id="lab_bbva_AmountOfCapitalCC1Table_documentation_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Table" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of capital CC1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfCapitalCC1Table" xlink:href="bbva-20241231.xsd#bbva_AmountOfCapitalCC1Table"/>
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    <link:label id="lab_bbva_TotalCapitalPhasedInMember_799c276d-674c-40ef-8daa-8bfa697d72ba_terseLabel_en-US" xlink:label="lab_bbva_TotalCapitalPhasedInMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital phased in [Member]</link:label>
    <link:label id="lab_bbva_TotalCapitalPhasedInMember_label_en-US" xlink:label="lab_bbva_TotalCapitalPhasedInMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total capital phased in [Member]</link:label>
    <link:label id="lab_bbva_TotalCapitalPhasedInMember_documentation_en-US" xlink:label="lab_bbva_TotalCapitalPhasedInMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total capital phased in</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalCapitalPhasedInMember" xlink:href="bbva-20241231.xsd#bbva_TotalCapitalPhasedInMember"/>
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    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis_15492949-940c-4099-bac1-41d5d3907d6d_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and liabilities under reinsurance and insurance contracts by type of products [Axis]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis_label_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts by type of products [Axis]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis_documentation_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts by type of products</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis" xlink:to="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesTable_14056c95-d837-4adf-a6c4-ff27372c5b2b_terseLabel_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax assets and liabilities [Table]</link:label>
    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesTable_label_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax assets and liabilities [Table]</link:label>
    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesTable_documentation_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxAssetsAndLiabilitiesTable" xlink:href="bbva-20241231.xsd#bbva_TaxAssetsAndLiabilitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxAssetsAndLiabilitiesTable" xlink:to="lab_bbva_TaxAssetsAndLiabilitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAAAMinusRatingMember_ba53d9ae-eb62-4d1b-9e69-1d69f9eded4d_terseLabel_en-US" xlink:label="lab_bbva_BBVAAAMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBVA AA Minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAAMinusRatingMember_label_en-US" xlink:label="lab_bbva_BBVAAAMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BBVA AA Minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAAMinusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVAAAMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBVA AA Minus Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAAAMinusRatingMember" xlink:href="bbva-20241231.xsd#bbva_BBVAAAMinusRatingMember"/>
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    <link:label id="lab_ifrs-full_OtherAdjustmentsToReconcileProfitLoss_e400b9d2-e674-46bc-a939-5d20fa512953_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherAdjustmentsToReconcileProfitLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DerivativesHedgeAccountingDomain_051acb36-12e4-4ff3-ad3b-32f22a50975f_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives hedge accounting [Domain]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingDomain_label_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives hedge accounting [Domain]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingDomain_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivatives hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingDomain" xlink:href="bbva-20241231.xsd#bbva_DerivativesHedgeAccountingDomain"/>
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    <link:label id="lab_bbva_JanVerplanckeMember_ebad126f-8947-4220-9dba-e658ea035523_terseLabel_en-US" xlink:label="lab_bbva_JanVerplanckeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Jan Verplancke [Member]</link:label>
    <link:label id="lab_bbva_JanVerplanckeMember_label_en-US" xlink:label="lab_bbva_JanVerplanckeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jan Verplancke [Member]</link:label>
    <link:label id="lab_bbva_JanVerplanckeMember_documentation_en-US" xlink:label="lab_bbva_JanVerplanckeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Jan Verplancke</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JanVerplanckeMember" xlink:href="bbva-20241231.xsd#bbva_JanVerplanckeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JanVerplanckeMember" xlink:to="lab_bbva_JanVerplanckeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExecutiveDirectorsDomain_2ac191a4-da6c-49fc-b77f-46a600e65020_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive directors [Domain]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsDomain_label_en-US" xlink:label="lab_bbva_ExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive directors [Domain]</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsDomain_documentation_en-US" xlink:label="lab_bbva_ExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsDomain" xlink:href="bbva-20241231.xsd#bbva_ExecutiveDirectorsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExecutiveDirectorsDomain" xlink:to="lab_bbva_ExecutiveDirectorsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PlanAssetsAtFairValue_94dde4af-1a2c-4ed5-838e-c33a46a4b3d2_terseLabel_en-US" xlink:label="lab_ifrs-full_PlanAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_680809e0-8b12-4db7-a677-d665d6054fea_terseLabel_en-US" xlink:label="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of exchange rate changes on cash and cash equivalents</link:label>
    <link:label id="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effect of exchange rate changes on cash and cash equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents"/>
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    <link:label id="lab_dei_AmendmentFlag_40aed873-9831-45b5-aed8-b19f94b9126c_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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/2024/dei-2024.xsd#dei_AmendmentFlag"/>
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    <link:label id="lab_bbva_SubtotalUnlistedEquityInstrumentsMember_27cc14ce-dbcb-46e1-a484-c3ab48d0ebd5_terseLabel_en-US" xlink:label="lab_bbva_SubtotalUnlistedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subtotal unlisted equity instruments [Member]</link:label>
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    <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" xml:lang="en-US">Subtotal unlisted equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubtotalUnlistedEquityInstrumentsMember" xlink:href="bbva-20241231.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_6c87cf95-b8a9-4320-b6cb-49bd11b62131_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bc9dfedd-37b6-4948-a4f9-a23056154b4f_terseLabel_en-US" xlink:label="lab_bbva_BasisPointVariationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Basis point variation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointVariationAxis" xlink:href="bbva-20241231.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_NSFRMainLMUAxis_bdf9f6a1-7563-4460-a539-9d065e84f146_terseLabel_en-US" xlink:label="lab_bbva_NSFRMainLMUAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">NSFR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NSFRMainLMUAxis" xlink:href="bbva-20241231.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_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome_d09eb1e8-3d9c-4f79-8fef-f47cf2ebc0fb_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances at fair value through Other Comprehensive Income</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances at fair value through Other Comprehensive Income</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and advances at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" xlink:href="bbva-20241231.xsd#bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax_1b0dff03-5b40-4930-bc84-dccaff61bfef_terseLabel_en-US" xlink:label="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_RevenueAndOperatingIncome_91ee4680-fb04-4bb6-9612-033c904b54bf_terseLabel_en-US" xlink:label="lab_ifrs-full_RevenueAndOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating income</link:label>
    <link:label id="lab_ifrs-full_RevenueAndOperatingIncome_label_en-US" xlink:label="lab_ifrs-full_RevenueAndOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenue and other operating income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RevenueAndOperatingIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_RevenueAndOperatingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RevenueAndOperatingIncome" xlink:to="lab_ifrs-full_RevenueAndOperatingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNonadjustingEventsAfterReportingPeriodAbstract_2c4e42e5-9630-4dbe-baae-0991eb563ec7_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNonadjustingEventsAfterReportingPeriodAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of non-adjusting events after reporting period [abstract]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNonadjustingEventsAfterReportingPeriodAbstract_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNonadjustingEventsAfterReportingPeriodAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of non-adjusting events after reporting period [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNonadjustingEventsAfterReportingPeriodAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfNonadjustingEventsAfterReportingPeriodAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNonadjustingEventsAfterReportingPeriodAbstract" xlink:to="lab_ifrs-full_DisclosureOfNonadjustingEventsAfterReportingPeriodAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity_ef29bcbe-a746-4101-ae76-d97bc7058f06_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Financial liabilities reclassified into equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialLiabilitiesReclassifiedIntoEquity"/>
    <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_DefinedBenefitObligationAtPresentValueChangesOfTheYear_a1a0ddc4-7aee-4ec4-bc45-5bc1c4d8e9ed_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_9718effd-61db-49cd-9ae4-6c85cc237852_terseLabel_en-US" xlink:label="lab_bbva_ReturnOfPlanAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Return of plan assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReturnOfPlanAssetsMember" xlink:href="bbva-20241231.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_b8da67d1-f6d0-4aad-8e56-ba587af74fdb_terseLabel_en-US" xlink:label="lab_bbva_CompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Companies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CompaniesMember" xlink:href="bbva-20241231.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_bbva_BBVABancoProvincialGroupMember_3fc851ed-2cdd-4e66-b4b4-2cc5c330d1a2_terseLabel_en-US" xlink:label="lab_bbva_BBVABancoProvincialGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA Banco Provincial group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVABancoProvincialGroupMember" xlink:href="bbva-20241231.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_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets_193b0990-d603-4f68-bdbd-db7b8750279e_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers out of Level 3 of fair value hierarchy, assets</link:label>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets_label_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers out of Level 3 of fair value hierarchy, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:to="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DividendPayables_c6a263d5-040a-4083-857a-20d241021e54_terseLabel_en-US" xlink:label="lab_ifrs-full_DividendPayables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend payables</link:label>
    <link:label id="lab_ifrs-full_DividendPayables_label_en-US" xlink:label="lab_ifrs-full_DividendPayables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend payables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DividendPayables" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DividendPayables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DividendPayables" xlink:to="lab_ifrs-full_DividendPayables" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_015f3f58-e8f4-426d-8553-3862e54b12d3_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Tax expense (income)</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_8779957b-9709-43c9-806e-4cb99590c3c7_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_dei_EntityAddressPostalZipCode_e2a7bd5a-a522-48be-968c-5d9b79e22811_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_SecuritizedLoansLineItems_fd6ede2d-bf52-4a52-9b17-39ed40f371db_terseLabel_en-US" xlink:label="lab_bbva_SecuritizedLoansLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Securitized loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuritizedLoansLineItems" xlink:href="bbva-20241231.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"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReconciliationOfChangesInGoodwillTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_ReconciliationOfChangesInGoodwillTableTextBlock"/>
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    <link:label id="lab_bbva_WholesaleFundingMember_1f17f0c2-b7ab-498d-95e4-c79b4038d02b_terseLabel_en-US" xlink:label="lab_bbva_WholesaleFundingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Wholesale funding [Member]</link:label>
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    <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" xml:lang="en-US">Wholesale funding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_WholesaleFundingMember" xlink:href="bbva-20241231.xsd#bbva_WholesaleFundingMember"/>
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    <link:label id="lab_bbva_Unemployment_e5342ba4-4a7e-4a5d-99d4-04de8e824b20_terseLabel_en-US" xlink:label="lab_bbva_Unemployment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unemployment</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract_a6e08dc8-480b-46d3-8f80-f2e793709450_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets and liabilities held for trading [Abstract]</link:label>
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    <link:label id="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets_e987ee30-5625-433a-80b5-414f56dd057a_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) recognised in profit or loss on exchange differences, fair value measurement, assets</link:label>
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    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity_bfb98aeb-c219-4b6a-9015-dffc0dd34ce2_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) through other changes, equity</link:label>
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    <link:label id="lab_bbva_DerivativesAndSecuritiesAxis_fdb4ead0-78ef-431f-9457-babfead4a29d_terseLabel_en-US" xlink:label="lab_bbva_DerivativesAndSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives and securities [Axis]</link:label>
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    <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" xml:lang="en-US">Derivatives and securities</link:label>
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    <link:label id="lab_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk_a2708deb-1b6f-43b3-851a-6d51ec8238f3_terseLabel_en-US" xlink:label="lab_bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk"/>
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    <link:label id="lab_ifrs-full_EquityReclassifiedIntoFinancialLiabilities_c1f37897-9591-4fb0-b2d9-3ffc2d8752aa_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityReclassifiedIntoFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity reclassified into financial liabilities</link:label>
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    <link:label id="lab_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember_36368834-6bbe-46af-9e4b-706befc84553_terseLabel_en-US" xlink:label="lab_bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedge adjustments included in the carrying amount of assets and liabilities [Member]</link:label>
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    <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" 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-20241231.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_MemorandumFinancialGuaranteesGiven_9faa0b5d-7a37-4f86-a450-b3bf0f67461f_terseLabel_en-US" xlink:label="lab_bbva_MemorandumFinancialGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial guarantees given Memorandum</link:label>
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    <link:label id="lab_bbva_MemorandumFinancialGuaranteesGiven_documentation_en-US" xlink:label="lab_bbva_MemorandumFinancialGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Memorandum Financial guarantees given</link:label>
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    <link:label id="lab_bbva_GeographicalImpactOfTheStressTestAxis_60338204-785d-4b97-a14d-d102a9108617_terseLabel_en-US" xlink:label="lab_bbva_GeographicalImpactOfTheStressTestAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical Impact of the stress test [Axis]</link:label>
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    <link:label id="lab_bbva_OtherCountriesMember_ef9850f0-3855-40d7-9558-e5c1dfc7211b_terseLabel_en-US" xlink:label="lab_bbva_OtherCountriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Countries [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherCountriesMember" xlink:href="bbva-20241231.xsd#bbva_OtherCountriesMember"/>
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    <link:label id="lab_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized_06bff25b-0ef8-4eb0-ae2b-6c6c0ee53211_terseLabel_en-US" xlink:label="lab_bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in equity other than total income or expense recognized</link:label>
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    <link:label id="lab_bbva_NetAnnualOriginationOfAllowances_39b39fcc-3b81-4034-81a6-c6e6a21ae24e_terseLabel_en-US" xlink:label="lab_bbva_NetAnnualOriginationOfAllowances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Net annual origination of allowances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetAnnualOriginationOfAllowances" xlink:href="bbva-20241231.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_10281b5d-9845-49f4-8a02-aadb19f9c218_terseLabel_en-US" xlink:label="lab_bbva_MinorityInterestsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Minority interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MinorityInterestsMember" xlink:href="bbva-20241231.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_4524e6dc-8ad2-4418-81aa-9ad55d293b55_terseLabel_en-US" xlink:label="lab_bbva_OfWhichInterestRateFairValueHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ImpairedFinancialAssetsAndGuaranteesGiven_637c3d8e-9c58-4c0e-b087-fc4c9c500ea7_periodStartLabel_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Impaired financial assets and guarantees given at the beginning</link:label>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven_11ae158b-8b93-4448-a35a-9be28894216e_periodEndLabel_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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" 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-20241231.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_6d8c7555-8f26-472f-be29-1e690b3c8f36_terseLabel_en-US" xlink:label="lab_bbva_TotalAssetsEncumberedAndUnencumberedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total assets encumbered and unencumbered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalAssetsEncumberedAndUnencumberedMember" xlink:href="bbva-20241231.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_582cf8b2-871d-4698-b748-fb6a30c2c870_terseLabel_en-US" xlink:label="lab_bbva_GDPOver100Bp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">GDP over100 bp</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GDPOver100Bp" xlink:href="bbva-20241231.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_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember_15934e05-b772-4ac2-9225-f53a1d3c3799_terseLabel_en-US" xlink:label="lab_bbva_ProfitLossBeforeTaxFromContinuingOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares_add62cbb-8220-4b1a-a561-010ef534a740_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_680eacf8-a2c0-4c1f-a361-bd7f841705fc_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_768dcfe8-b767-457a-9668-fd126c3b79ed_terseLabel_en-US" xlink:label="lab_bbva_JuanPiLlorensMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Juan Pi Llorens</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JuanPiLlorensMember" xlink:href="bbva-20241231.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"/>
    <link:label id="lab_bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock_74eb7869-390f-44bf-96a7-413072b468d7_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Capital Base And Capital Management [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Capital Base And Capital Management [Text Block]</link:label>
    <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" 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-20241231.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_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock_b5a066ec-f575-427f-a5e9-aab24bd861cc_terseLabel_en-US" xlink:label="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract_0c434c1e-5ef8-4b8e-9bd9-cdb3021ff7dd_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates reported in separate financial statements [abstract]</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract_label_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates reported in separate financial statements [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract" xlink:to="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PeriodTimeDomain_f53ac714-5c9e-4198-ad01-58b881e56907_terseLabel_en-US" xlink:label="lab_bbva_PeriodTimeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Period time</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PeriodTimeDomain" xlink:href="bbva-20241231.xsd#bbva_PeriodTimeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PeriodTimeDomain" xlink:to="lab_bbva_PeriodTimeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetForeignExchangeLoss_ee709bcf-e918-429f-b140-becfa6c2d8fd_terseLabel_en-US" xlink:label="lab_ifrs-full_NetForeignExchangeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net foreign exchange loss</link:label>
    <link:label id="lab_ifrs-full_NetForeignExchangeLoss_label_en-US" xlink:label="lab_ifrs-full_NetForeignExchangeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net foreign exchange loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetForeignExchangeLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_NetForeignExchangeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetForeignExchangeLoss" xlink:to="lab_ifrs-full_NetForeignExchangeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome_2da6b3ee-4c04-49f5-906e-cddadf8701a6_terseLabel_en-US" xlink:label="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments in equity instruments designated at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in equity instruments designated at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <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_SensitivityAnalysisDomain_380f4c9d-1639-47dd-acb3-bf451c0b1d0c_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity analysis [Domain]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisDomain_label_en-US" xlink:label="lab_bbva_SensitivityAnalysisDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity analysis [Domain]</link:label>
    <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" xml:lang="en-US">Sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisDomain" xlink:href="bbva-20241231.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_Jan24Member_5294c0c6-8a13-499d-8932-dcad696e71eb_terseLabel_en-US" xlink:label="lab_bbva_Jan24Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Jan-24 [Member]</link:label>
    <link:label id="lab_bbva_Jan24Member_label_en-US" xlink:label="lab_bbva_Jan24Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jan-24 [Member]</link:label>
    <link:label id="lab_bbva_Jan24Member_documentation_en-US" xlink:label="lab_bbva_Jan24Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Jan-24</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Jan24Member" xlink:href="bbva-20241231.xsd#bbva_Jan24Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Jan24Member" xlink:to="lab_bbva_Jan24Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A39To194Member_97f67427-f4cd-4f2d-83fd-80c24f44bad0_terseLabel_en-US" xlink:label="lab_bbva_A39To194Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">39 to 194</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A39To194Member" xlink:href="bbva-20241231.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_bbva_ContributionsFromMergerTransactions_2aad04e0-4080-4868-94f5-a3be7750f0a0_terseLabel_en-US" xlink:label="lab_bbva_ContributionsFromMergerTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Contributions from merger transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ContributionsFromMergerTransactions" xlink:href="bbva-20241231.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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_5821907b-69fa-4657-9b95-9dc74c01ce28_terseLabel_en-US" xlink:label="lab_ifrs-full_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from banks at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:label id="lab_ifrs-full_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_label_en-US" xlink:label="lab_ifrs-full_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits from banks at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:to="lab_ifrs-full_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis_44a642bd-c174-4985-8e78-76878af67f07_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by detail [Axis]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis_label_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax effect of foreign tax rates reconciliation breakdown by detail [Axis]</link:label>
    <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" 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-20241231.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_bbva_BasicPointLineItems_2ed76244-6e4a-450c-b7b4-04144f1ce466_terseLabel_en-US" xlink:label="lab_bbva_BasicPointLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Basic point</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasicPointLineItems" xlink:href="bbva-20241231.xsd#bbva_BasicPointLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BasicPointLineItems" xlink:to="lab_bbva_BasicPointLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostTable_69764501-66d5-4d40-9303-426c815501d1_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortised cost [Table]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostTable_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortised cost [Table]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostTable_documentation_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortisedCostTable" xlink:href="bbva-20241231.xsd#bbva_FinancialLiabilitiesAtAmortisedCostTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtAmortisedCostTable" xlink:to="lab_bbva_FinancialLiabilitiesAtAmortisedCostTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExpectedLossVariationTable_3a6f1782-0ba2-49a5-add8-498f11f80f38_terseLabel_en-US" xlink:label="lab_bbva_ExpectedLossVariationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected loss variation [Table]</link:label>
    <link:label id="lab_bbva_ExpectedLossVariationTable_label_en-US" xlink:label="lab_bbva_ExpectedLossVariationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expected loss variation [Table]</link:label>
    <link:label id="lab_bbva_ExpectedLossVariationTable_documentation_en-US" xlink:label="lab_bbva_ExpectedLossVariationTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expected loss variation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExpectedLossVariationTable" xlink:href="bbva-20241231.xsd#bbva_ExpectedLossVariationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExpectedLossVariationTable" xlink:to="lab_bbva_ExpectedLossVariationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NumberOfPurchasesOfTreasuryShares_93067f9f-3dd9-44b4-877e-0b08899cfb62_terseLabel_en-US" xlink:label="lab_bbva_NumberOfPurchasesOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of purchases of treasury shares</link:label>
    <link:label id="lab_bbva_NumberOfPurchasesOfTreasuryShares_label_en-US" xlink:label="lab_bbva_NumberOfPurchasesOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of purchases of treasury shares</link:label>
    <link:label id="lab_bbva_NumberOfPurchasesOfTreasuryShares_documentation_en-US" xlink:label="lab_bbva_NumberOfPurchasesOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of purchases of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NumberOfPurchasesOfTreasuryShares" xlink:href="bbva-20241231.xsd#bbva_NumberOfPurchasesOfTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NumberOfPurchasesOfTreasuryShares" xlink:to="lab_bbva_NumberOfPurchasesOfTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions_3299a1a1-9f36-4407-8c10-af9f21bf0515_terseLabel_en-US" xlink:label="lab_bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unused amounts reversed during the year of provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions_label_en-US" xlink:label="lab_bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unused amounts reversed during the year of provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions_documentation_en-US" xlink:label="lab_bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unused amounts reversed during the year of provisions for taxes legal contingents and other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:href="bbva-20241231.xsd#bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:to="lab_bbva_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrencyRiskMember_3b8b12cc-dfce-40d7-bd84-817ac0b08066_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrencyRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract_00e65c7f-fba9-4218-8147-0f115d3dbf99_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss [abstract]</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_JaimeCaruanaLacorteMember_9474a8b7-eed1-466b-a4b7-dd739cd97d89_terseLabel_en-US" xlink:label="lab_bbva_JaimeCaruanaLacorteMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Jaime Caruana Lacorte [Member]</link:label>
    <link:label id="lab_bbva_JaimeCaruanaLacorteMember_label_en-US" xlink:label="lab_bbva_JaimeCaruanaLacorteMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jaime Caruana Lacorte [Member]</link:label>
    <link:label id="lab_bbva_JaimeCaruanaLacorteMember_documentation_en-US" xlink:label="lab_bbva_JaimeCaruanaLacorteMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Jaime Caruana Lacorte</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JaimeCaruanaLacorteMember" xlink:href="bbva-20241231.xsd#bbva_JaimeCaruanaLacorteMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JaimeCaruanaLacorteMember" xlink:to="lab_bbva_JaimeCaruanaLacorteMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems_e10184db-cbea-4fe8-8fb4-ddd11c100788_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_InstrumentsCoveredByFairValueHedgesDomain_4e261e9f-f077-4562-a86c-04aaebfed966_terseLabel_en-US" xlink:label="lab_bbva_InstrumentsCoveredByFairValueHedgesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Instruments covered by fair value hedges [Domain]</link:label>
    <link:label id="lab_bbva_InstrumentsCoveredByFairValueHedgesDomain_label_en-US" xlink:label="lab_bbva_InstrumentsCoveredByFairValueHedgesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Instruments covered by fair value hedges [Domain]</link:label>
    <link:label id="lab_bbva_InstrumentsCoveredByFairValueHedgesDomain_documentation_en-US" xlink:label="lab_bbva_InstrumentsCoveredByFairValueHedgesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Instruments covered by fair value hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InstrumentsCoveredByFairValueHedgesDomain" xlink:href="bbva-20241231.xsd#bbva_InstrumentsCoveredByFairValueHedgesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InstrumentsCoveredByFairValueHedgesDomain" xlink:to="lab_bbva_InstrumentsCoveredByFairValueHedgesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentOtherSettlementsRelatedToInvestingActivities_e3db138c-7c95-4cd7-9c50-4cc16af45cc2_terseLabel_en-US" xlink:label="lab_bbva_InvestmentOtherSettlementsRelatedToInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment other settlements related to investing activities</link:label>
    <link:label id="lab_bbva_InvestmentOtherSettlementsRelatedToInvestingActivities_label_en-US" xlink:label="lab_bbva_InvestmentOtherSettlementsRelatedToInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment other settlements related to investing activities</link:label>
    <link:label id="lab_bbva_InvestmentOtherSettlementsRelatedToInvestingActivities_documentation_en-US" xlink:label="lab_bbva_InvestmentOtherSettlementsRelatedToInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment other settlements related to investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentOtherSettlementsRelatedToInvestingActivities" xlink:href="bbva-20241231.xsd#bbva_InvestmentOtherSettlementsRelatedToInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InvestmentOtherSettlementsRelatedToInvestingActivities" xlink:to="lab_bbva_InvestmentOtherSettlementsRelatedToInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LeastFavorableHypothesisMember_7806f113-cc45-449d-8b04-80a8cf6882fd_terseLabel_en-US" xlink:label="lab_bbva_LeastFavorableHypothesisMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Least favorable hypothesis [Member]</link:label>
    <link:label id="lab_bbva_LeastFavorableHypothesisMember_label_en-US" xlink:label="lab_bbva_LeastFavorableHypothesisMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Least favorable hypothesis [Member]</link:label>
    <link:label id="lab_bbva_LeastFavorableHypothesisMember_documentation_en-US" xlink:label="lab_bbva_LeastFavorableHypothesisMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Least favorable hypothesis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LeastFavorableHypothesisMember" xlink:href="bbva-20241231.xsd#bbva_LeastFavorableHypothesisMember"/>
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    <link:label id="lab_bbva_ByPurposeMember_e66ad7cd-8dcf-459c-a273-0bcc679b984e_terseLabel_en-US" xlink:label="lab_bbva_ByPurposeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">By purpose [Member]</link:label>
    <link:label id="lab_bbva_ByPurposeMember_label_en-US" xlink:label="lab_bbva_ByPurposeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">By purpose [Member]</link:label>
    <link:label id="lab_bbva_ByPurposeMember_documentation_en-US" xlink:label="lab_bbva_ByPurposeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">By purpose</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ByPurposeMember" xlink:href="bbva-20241231.xsd#bbva_ByPurposeMember"/>
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    <link:label id="lab_ifrs-full_LoanCommitmentsMember_9565572e-df4e-4b45-9dda-47d1fd35b8c2_terseLabel_en-US" xlink:label="lab_ifrs-full_LoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan commitments given [Member]</link:label>
    <link:label id="lab_ifrs-full_LoanCommitmentsMember_label_en-US" xlink:label="lab_ifrs-full_LoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan commitments [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoanCommitmentsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoanCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoanCommitmentsMember" xlink:to="lab_ifrs-full_LoanCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock_8de88f93-a34b-479b-88ea-5eb0e69a8230_terseLabel_en-US" xlink:label="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Calendar of the notional maturities of the hedging instruments [Table Text Block]</link:label>
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    <link:label id="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Calendar of the notional maturities of the hedging instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock"/>
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    <link:label id="lab_bbva_AccruedDepreciationChangesInTheYear_57eb7efb-e1cb-4fad-b4e5-f61ce1891df9_terseLabel_en-US" xlink:label="lab_bbva_AccruedDepreciationChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued depreciation changes in the year</link:label>
    <link:label id="lab_bbva_AccruedDepreciationChangesInTheYear_label_en-US" xlink:label="lab_bbva_AccruedDepreciationChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued depreciation changes in the year</link:label>
    <link:label id="lab_bbva_AccruedDepreciationChangesInTheYear_documentation_en-US" xlink:label="lab_bbva_AccruedDepreciationChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accrued depreciation changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccruedDepreciationChangesInTheYear" xlink:href="bbva-20241231.xsd#bbva_AccruedDepreciationChangesInTheYear"/>
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    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets_e55e40df-6de4-41a1-974c-eeadf440c007_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_srt_SouthAmericaMember_ec1859e0-544a-49e0-bca1-ffb0ceef4010_terseLabel_en-US" xlink:label="lab_srt_SouthAmericaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">South America [Member]</link:label>
    <link:label id="lab_srt_SouthAmericaMember_label_en-US" xlink:label="lab_srt_SouthAmericaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">South America [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SouthAmericaMember" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_SouthAmericaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_SouthAmericaMember" xlink:to="lab_srt_SouthAmericaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVABBPlusRatingMember_72cc28d6-0c18-49f2-93fb-e888039d6ffd_terseLabel_en-US" xlink:label="lab_bbva_BBVABBPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBVA BB Plus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVABBPlusRatingMember_label_en-US" xlink:label="lab_bbva_BBVABBPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BBVA BB Plus Rating [Member]</link:label>
    <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" xml:lang="en-US">BBVA BB Plus Rating</link:label>
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    <link:label id="lab_ifrs-full_ProfitLossBeforeTax_5192991c-736e-4aae-834e-88391b80d830_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) before tax</link:label>
    <link:label id="lab_ifrs-full_ProfitLossBeforeTax_611415ad-ab62-4901-849f-4a2f9a3f9188_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Profit (loss) before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ProfitLossBeforeTax"/>
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    <link:label id="lab_ifrs-full_LiabilitiesForIncurredClaimsMember_17cb64d9-eb29-42b1-a310-3d9f2677c544_terseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities for incurred claims [member]</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesForIncurredClaimsMember_label_en-US" xlink:label="lab_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities for incurred claims [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LiabilitiesForIncurredClaimsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:to="lab_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransferredToInitialCarryingAmountOfHedgedItems_be546313-ce25-4b85-bbaa-d2996d748768_terseLabel_en-US" xlink:label="lab_bbva_TransferredToInitialCarryingAmountOfHedgedItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transferred to initial carrying amount of hedged items</link:label>
    <link:label id="lab_bbva_TransferredToInitialCarryingAmountOfHedgedItems_label_en-US" xlink:label="lab_bbva_TransferredToInitialCarryingAmountOfHedgedItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transferred to initial carrying amount of hedged items</link:label>
    <link:label id="lab_bbva_TransferredToInitialCarryingAmountOfHedgedItems_documentation_en-US" xlink:label="lab_bbva_TransferredToInitialCarryingAmountOfHedgedItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transferred to initial carrying amount of hedged items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferredToInitialCarryingAmountOfHedgedItems" xlink:href="bbva-20241231.xsd#bbva_TransferredToInitialCarryingAmountOfHedgedItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransferredToInitialCarryingAmountOfHedgedItems" xlink:to="lab_bbva_TransferredToInitialCarryingAmountOfHedgedItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashFlowsLiabilitiesFromFinancingActivities_1ff8e747-ac44-4fa5-8e9a-402d65d4ea69_terseLabel_en-US" xlink:label="lab_bbva_CashFlowsLiabilitiesFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_f6d9d47c-e5d4-4fbf-a9dd-7228be034c44_terseLabel_en-US" xlink:label="lab_bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net defined benefit liability asset on the consolidated balance sheet [Table Text Block]</link:label>
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    <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" 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-20241231.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_ChangesInLiabilitiesFromFinancingActivitiesAxis_0919f92a-914f-4249-8a9f-3ad17598bc76_terseLabel_en-US" xlink:label="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in liabilities from financing activities [Axis]</link:label>
    <link:label id="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis_label_en-US" xlink:label="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes in liabilities from financing activities [Axis]</link:label>
    <link:label id="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis_documentation_en-US" xlink:label="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Changes in liabilities from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis" xlink:href="bbva-20241231.xsd#bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis" xlink:to="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Tier2EligibleCapitalResources_d3d6cc5e-6891-412a-addd-28858c37fa2e_terseLabel_en-US" xlink:label="lab_bbva_Tier2EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Tier 2 eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier2EligibleCapitalResources" xlink:href="bbva-20241231.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_bbva_ArgentinaBBVAMember_eaa40da2-cc32-48c4-b326-0824c7741bf1_terseLabel_en-US" xlink:label="lab_bbva_ArgentinaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Argentina BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ArgentinaBBVAMember" xlink:href="bbva-20241231.xsd#bbva_ArgentinaBBVAMember"/>
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    <link:label id="lab_ifrs-full_EffectiveDatesOfRevaluationPropertyPlantAndEquipment_8dbf097d-8545-49ad-ade9-49dd3607bfc7_terseLabel_en-US" xlink:label="lab_ifrs-full_EffectiveDatesOfRevaluationPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effective dates of revaluation, property, plant and equipment</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EffectiveDatesOfRevaluationPropertyPlantAndEquipment" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_EffectiveDatesOfRevaluationPropertyPlantAndEquipment"/>
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    <link:label id="lab_bbva_A1061To2121Member_2b6dd992-d7ec-4c43-ad70-438bf5a095d2_terseLabel_en-US" xlink:label="lab_bbva_A1061To2121Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">1061 to 2121</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A1061To2121Member" xlink:href="bbva-20241231.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_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans_871403ac-60e1-44da-9685-bfd18faad7c1_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, gains (losses) on remeasurements of defined benefit plans</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, gains (losses) on remeasurements of defined benefit plans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredShareRemunerationShareDomain_5b5533a6-8fe2-4773-b946-6112cf669f86_terseLabel_en-US" xlink:label="lab_bbva_DeferredShareRemunerationShareDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred share remuneration share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredShareRemunerationShareDomain" xlink:href="bbva-20241231.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_dei_EntityFileNumber_8d6c8cea-8e4f-48af-a6a8-ef876edd2f73_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber"/>
    <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_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome_a4533f1d-803d-4006-ba54-8860409601c5_negatedTerseLabel_en-US" xlink:label="lab_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Impairment Financial Assets Measured At Fair Value Through Other Comprehensive Income</link:label>
    <link:label id="lab_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome_201d88a1-6dac-4066-9806-3f3a87dbb352_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment Financial Assets Measured At Fair Value Through Other Comprehensive Income</link:label>
    <link:label id="lab_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment loss on financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impairment loss on financial assets at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:href="bbva-20241231.xsd#bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseDebtForgiveness_a92184a1-470b-42fb-82c0-6f75fabbaebd_terseLabel_en-US" xlink:label="lab_bbva_DecreaseDebtForgiveness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Decrease debt forgiveness</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseDebtForgiveness" xlink:href="bbva-20241231.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_05fd827a-5feb-4188-ad6b-6b374b92cb6d_terseLabel_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Income by operating segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByOperatingSegmentLineItems" xlink:href="bbva-20241231.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_dei_EntityAddressAddressLine1_5240efb5-daaa-4d31-85c3-e70c447a3b0a_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityImpactTable_b7ef6f34-4437-4f49-b4bc-dff365c51990_terseLabel_en-US" xlink:label="lab_bbva_EquityImpactTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityImpactTable" xlink:href="bbva-20241231.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_ifrs-full_ClassesOfAssetsAxis_6d373a0b-4b5b-4500-b8f0-d738e35aa5e7_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of assets [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfAssetsAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of assets [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfAssetsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ClassesOfAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfAssetsAxis" xlink:to="lab_ifrs-full_ClassesOfAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialGuaranteesGivenRelatedPartyTransactions_41ca1495-dc19-4dfb-aa06-f7f6ecef2718_terseLabel_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_OtherExpenseByNature_db1c956e-69c9-4656-b4d8-2451e94db6e6_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherExpenseByNature" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable_be458db0-2c96-47b6-98a7-329927215b8c_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_71b60bad-5484-436a-9046-7b35cfec1251_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Equity instruments by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsByCountryAxis" xlink:href="bbva-20241231.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_0f869f3f-24dc-4730-b62e-b6d994fce456_terseLabel_en-US" xlink:label="lab_bbva_DividendsValuationAdjustmentsAndOthers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Dividends valuation adjustments and others</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DividendsValuationAdjustmentsAndOthers" xlink:href="bbva-20241231.xsd#bbva_DividendsValuationAdjustmentsAndOthers"/>
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    <link:label id="lab_bbva_HedgingDerivativesMember_41b8c2e4-4b3e-49d2-94a0-ea00b5710890_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Hedging derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesMember" xlink:href="bbva-20241231.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_588d25a2-cba1-47fc-a653-152a9670fc3c_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Encumbered and unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EncumberedAndUnencumberedAssetsLineItems" xlink:href="bbva-20241231.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_c2d98963-4665-4479-bf18-06c3b6dc94e9_terseLabel_en-US" xlink:label="lab_bbva_InvestmentsInListedMarketsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments in listed markets [Table Text Block]</link:label>
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    <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" xml:lang="en-US">Investments in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentsInListedMarketsTableTextBlock" xlink:href="bbva-20241231.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_4c02d18b-9eea-4761-a2aa-2e9aca561691_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactorDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">VaR by risk factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRByRiskFactorDomain" xlink:href="bbva-20241231.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_bbva_ExecutiveDirectorsTable_cfd2e042-c5f4-4579-be30-f531c953c03d_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsTable" xlink:href="bbva-20241231.xsd#bbva_ExecutiveDirectorsTable"/>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases"/>
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    <link:label id="lab_bbva_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets_76bc1a22-9e41-4980-8a7d-e421a496a4d5_negatedTerseLabel_en-US" xlink:label="lab_bbva_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Allowance account for credit losses of financial assets</link:label>
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    <link:label id="lab_bbva_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets_label_en-US" xlink:label="lab_bbva_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Acccumulated allowance account for credit losses of financial assets</link:label>
    <link:label id="lab_bbva_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets_documentation_en-US" xlink:label="lab_bbva_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Acccumulated allowance account for credit losses of financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets" xlink:href="bbva-20241231.xsd#bbva_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets"/>
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    <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" xml:lang="en-US">Financial guarantees and other commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems" xlink:href="bbva-20241231.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_2890ef21-597c-483b-9812-e0665ef32ebc_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Encumbered and unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EncumberedAndUnencumberedAssetsAxis" xlink:href="bbva-20241231.xsd#bbva_EncumberedAndUnencumberedAssetsAxis"/>
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    <link:label id="lab_bbva_Volatility_8f627dd0-c299-40a9-b4d7-da911b1c2548_terseLabel_en-US" xlink:label="lab_bbva_Volatility" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Volatility</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Volatility" xlink:href="bbva-20241231.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_27ce654e-f83d-4f6e-911f-b62917220b98_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument [Domain]</link:label>
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    <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" 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-20241231.xsd#bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentDomain"/>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems_47a3b034-7624-4cdb-99e6-8ab93c4fd636_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities [Line Items]</link:label>
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    <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" 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-20241231.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_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract_e51cd00b-530e-4ba2-a6ee-fe02bdf8419d_terseLabel_en-US" xlink:label="lab_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" xlink:href="bbva-20241231.xsd#bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract"/>
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    <link:label id="lab_bbva_BilbaoVizcayaHoldingSAMember_1e832479-9f9f-4da1-b07d-30436779b9f7_terseLabel_en-US" xlink:label="lab_bbva_BilbaoVizcayaHoldingSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bilbao Vizcaya Holding SA [Member]</link:label>
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    <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" xml:lang="en-US">Bilbao Vizcaya Holding SA</link:label>
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    <link:label id="lab_ifrs-full_CreditRiskMember_089fddc7-b44c-4bd2-b78e-6956305d3874_terseLabel_en-US" xlink:label="lab_ifrs-full_CreditRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit risk [member]</link:label>
    <link:label id="lab_ifrs-full_CreditRiskMember_label_en-US" xlink:label="lab_ifrs-full_CreditRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CreditRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CreditRiskMember"/>
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    <link:label id="lab_bbva_PensionsMember_c88f71ba-749a-4e75-b2dc-cbe8d72a8dd4_terseLabel_en-US" xlink:label="lab_bbva_PensionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pensions [Member]</link:label>
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    <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" xml:lang="en-US">Pensions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionsMember" xlink:href="bbva-20241231.xsd#bbva_PensionsMember"/>
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    <link:label id="lab_bbva_TotalStageMember_1305548c-cef4-44fd-a598-62bcc6577565_terseLabel_en-US" xlink:label="lab_bbva_TotalStageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total stage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalStageMember" xlink:href="bbva-20241231.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_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill_daa9983b-8456-437a-86ef-36178fce1c2f_terseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment loss recognised in profit or loss, intangible assets and goodwill</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:to="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member_a66f105d-9a7c-4eca-9602-bc2c7ae95bea_terseLabel_en-US" xlink:label="lab_bbva_A6138FixedRateSeniorNonPreferredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_Sensitivity1ForeignCurrencyLineItems_6f9c9e9d-86ed-4fed-8406-ad551e46dcaa_terseLabel_en-US" xlink:label="lab_bbva_Sensitivity1ForeignCurrencyLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Sensitivity 1 foreign currency</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Sensitivity1ForeignCurrencyLineItems" xlink:href="bbva-20241231.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_d161671f-9d77-460c-b611-6b1b47cdb924_terseLabel_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_InterestIncomeOnFinancialAssetsHeldForTrading_c285c373-95b2-4e99-a239-3c205a0c7f7f_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestIncomeOnFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income on financial assets held for trading</link:label>
    <link:label id="lab_ifrs-full_InterestIncomeOnFinancialAssetsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_InterestIncomeOnFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest income on financial assets held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestIncomeOnFinancialAssetsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InterestIncomeOnFinancialAssetsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestIncomeOnFinancialAssetsHeldForTrading" xlink:to="lab_ifrs-full_InterestIncomeOnFinancialAssetsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersFromStage3_9a28102d-6aed-45df-ad64-859cb2a0a3db_terseLabel_en-US" xlink:label="lab_bbva_TransfersFromStage3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Transfers from stage 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersFromStage3" xlink:href="bbva-20241231.xsd#bbva_TransfersFromStage3"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransfersFromStage3" xlink:to="lab_bbva_TransfersFromStage3" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsLineItems_82a6c43a-93c6-48f0-a8e9-67d87b3689de_terseLabel_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Remuneration For Non Executive Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationForNonExecutiveDirectorsLineItems" xlink:href="bbva-20241231.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_bbva_TypeOfMembersAxis_d5ec7844-1bb2-475a-b9f0-e43dfcc4165d_terseLabel_en-US" xlink:label="lab_bbva_TypeOfMembersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Type of members</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfMembersAxis" xlink:href="bbva-20241231.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_41a8f8a2-0313-4df5-911e-8338e9aa296d_terseLabel_en-US" xlink:label="lab_bbva_ProfitAdjusted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Profit adjusted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitAdjusted" xlink:href="bbva-20241231.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_srt_DirectorMember_e0758bce-0283-49f2-8abc-d7c90cf7da50_terseLabel_en-US" xlink:label="lab_srt_DirectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.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_ProfitOrLossAttributableToOwnersOfParentMember_c8b6abff-d972-4cbd-827f-04e686ba1cda_terseLabel_en-US" xlink:label="lab_bbva_ProfitOrLossAttributableToOwnersOfParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity attributable to owners of parent [member]</link:label>
    <link:label id="lab_bbva_ProfitOrLossAttributableToOwnersOfParentMember_label_en-US" xlink:label="lab_bbva_ProfitOrLossAttributableToOwnersOfParentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit or loss attributable to owners of parent [Member]</link:label>
    <link:label id="lab_bbva_ProfitOrLossAttributableToOwnersOfParentMember_documentation_en-US" xlink:label="lab_bbva_ProfitOrLossAttributableToOwnersOfParentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Profit or loss attributable to owners of parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOrLossAttributableToOwnersOfParentMember" xlink:href="bbva-20241231.xsd#bbva_ProfitOrLossAttributableToOwnersOfParentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitOrLossAttributableToOwnersOfParentMember" xlink:to="lab_bbva_ProfitOrLossAttributableToOwnersOfParentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalSecuritizedLoans_a80d6dbe-99b7-482b-bdc5-19a33daf535d_terseLabel_en-US" xlink:label="lab_bbva_TotalSecuritizedLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total securitized loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalSecuritizedLoans" xlink:href="bbva-20241231.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_ifrs-full_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_e064dfd1-4fb0-492f-9ea2-db0829f16c95_terseLabel_en-US" xlink:label="lab_ifrs-full_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer deposits designated at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:label id="lab_ifrs-full_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_label_en-US" xlink:label="lab_ifrs-full_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits from customers at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:to="lab_ifrs-full_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByDetailAxis_aa80e651-73d4-4bc9-b563-0e90b6cf8130_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Tangible assets breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsBreakdownByDetailAxis" xlink:href="bbva-20241231.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_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_307b0b0a-a45e-4f1f-bc9d-6f7a458a305a_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_IncomeByOperatingSegmentTable_93e2e4a1-dc46-443a-b114-882f4de1a499_terseLabel_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Income By Operating Segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByOperatingSegmentTable" xlink:href="bbva-20241231.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_6ca2c174-daab-4565-b6b4-88cc3359d666_terseLabel_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_InsuranceServiceResult_4daca272-cacf-4b90-a33a-c4ced7212cb4_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceServiceResult" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance service result</link:label>
    <link:label id="lab_ifrs-full_InsuranceServiceResult_label_en-US" xlink:label="lab_ifrs-full_InsuranceServiceResult" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance service result</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceServiceResult" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InsuranceServiceResult"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceServiceResult" xlink:to="lab_ifrs-full_InsuranceServiceResult" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostDomain_61411ad1-e060-4a31-95d9-f738f5ebfb47_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortised cost [Domain]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtAmortisedCostDomain_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortised cost [Domain]</link:label>
    <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" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortisedCostDomain" xlink:href="bbva-20241231.xsd#bbva_FinancialLiabilitiesAtAmortisedCostDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtAmortisedCostDomain" xlink:to="lab_bbva_FinancialLiabilitiesAtAmortisedCostDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OnDemandMember_12915828-0df5-4c9f-8aeb-b31f34fff1d2_terseLabel_en-US" xlink:label="lab_ifrs-full_OnDemandMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">On demand [Member]</link:label>
    <link:label id="lab_ifrs-full_OnDemandMember_label_en-US" xlink:label="lab_ifrs-full_OnDemandMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">On demand [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OnDemandMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OnDemandMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OnDemandMember" xlink:to="lab_ifrs-full_OnDemandMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AlturaMarketsSVSAMember_831bc322-79e2-40fc-9954-21ebf937f0c8_terseLabel_en-US" xlink:label="lab_bbva_AlturaMarketsSVSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Altura markets SV SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AlturaMarketsSVSAMember" xlink:href="bbva-20241231.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_7d71f85f-d8ad-46ec-9722-4b65caf1ae6c_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_DepositsFromBanksBreakdownByGeographyTable_8c90089a-8c34-4451-929c-f6dc8ccd7454_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits From Banks Breakdown By Geography [Table]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyTable_label_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits From Banks Breakdown By Geography [Table]</link:label>
    <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" 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-20241231.xsd#bbva_DepositsFromBanksBreakdownByGeographyTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromBanksBreakdownByGeographyTable" xlink:to="lab_bbva_DepositsFromBanksBreakdownByGeographyTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichProjectFinanceLoansMember_ffcef032-88b3-4bb2-8416-93ef724b3368_terseLabel_en-US" xlink:label="lab_bbva_OfWhichProjectFinanceLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which project finance loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichProjectFinanceLoansMember" xlink:href="bbva-20241231.xsd#bbva_OfWhichProjectFinanceLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichProjectFinanceLoansMember" xlink:to="lab_bbva_OfWhichProjectFinanceLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ValueOfGuaranteesDomain_c8a6a718-b269-4bae-a17f-559bc2a38c69_terseLabel_en-US" xlink:label="lab_bbva_ValueOfGuaranteesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vale of guarantees [Domain]</link:label>
    <link:label id="lab_bbva_ValueOfGuaranteesDomain_label_en-US" xlink:label="lab_bbva_ValueOfGuaranteesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Value of guarantees [Domain]</link:label>
    <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" xml:lang="en-US">Value of guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValueOfGuaranteesDomain" xlink:href="bbva-20241231.xsd#bbva_ValueOfGuaranteesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValueOfGuaranteesDomain" xlink:to="lab_bbva_ValueOfGuaranteesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExecutiveCommitteeMembersMember_03372157-ee62-4488-93ae-666378c431e7_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveCommitteeMembersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive Committee members</link:label>
    <link:label id="lab_bbva_ExecutiveCommitteeMembersMember_label_en-US" xlink:label="lab_bbva_ExecutiveCommitteeMembersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Committee members [Member]</link:label>
    <link:label id="lab_bbva_ExecutiveCommitteeMembersMember_documentation_en-US" xlink:label="lab_bbva_ExecutiveCommitteeMembersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Executive Committee members</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveCommitteeMembersMember" xlink:href="bbva-20241231.xsd#bbva_ExecutiveCommitteeMembersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExecutiveCommitteeMembersMember" xlink:to="lab_bbva_ExecutiveCommitteeMembersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory_b04b52a0-68fa-460b-af43-c4c9e0c73f3f_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of information about key management personnel [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of information about key management personnel [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock_388bbfc3-2fe1-4ff5-b5d3-de290440f7da_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Financial Assets At Fair Value Through Other Comprehensive Income [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Financial Assets At Fair Value Through Other Comprehensive Income [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" xlink:href="bbva-20241231.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_09270d4f-131b-4cc6-ad89-fc83b835ae73_terseLabel_en-US" xlink:label="lab_bbva_TheoreticalSharesAccumulatedAsOfDecember31" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bb2f00ba-068c-4bc2-b704-2e9bcb861557_terseLabel_en-US" xlink:label="lab_bbva_MainCurrenciesSensitivityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Main currencies sensitivity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MainCurrenciesSensitivityDomain" xlink:href="bbva-20241231.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_9d526f06-5913-492f-9724-1ea0db339d08_terseLabel_en-US" xlink:label="lab_bbva_CreditAndDebitCards" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Credit and Debit Cards</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditAndDebitCards" xlink:href="bbva-20241231.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_AcquisitionsAndCapitalIncreases_2024cb76-c51e-41e9-ab56-1cac1afb2850_terseLabel_en-US" xlink:label="lab_bbva_AcquisitionsAndCapitalIncreases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Acquisitions and capital increases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AcquisitionsAndCapitalIncreases" xlink:href="bbva-20241231.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_fe74b5df-413f-4005-8217-345ff1018a44_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_DepreciationRatesForTangibleAssetsDomain_d98aedac-560c-4238-8350-e905d82b40c7_terseLabel_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Depreciation rates for tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationRatesForTangibleAssetsDomain" xlink:href="bbva-20241231.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_969e460c-14ef-49e7-b469-d082e7d13731_terseLabel_en-US" xlink:label="lab_bbva_TreasuryStockTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Treasury Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasuryStockTableTextBlock" xlink:href="bbva-20241231.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_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems_d7eb634d-6669-402b-955c-d4f48e534087_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial instruments assets and liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments assets and liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial instruments assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems" xlink:href="bbva-20241231.xsd#bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems" xlink:to="lab_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2024Member_f65488bc-524b-4ed7-b41e-ad18c065a356_terseLabel_en-US" xlink:label="lab_bbva_A2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2024Member" xlink:href="bbva-20241231.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_17d628d7-e636-45cb-90fb-107ee99861db_terseLabel_en-US" xlink:label="lab_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ExchangeDifferences_11f24775-87d6-4585-a110-7004a78d9c40_terseLabel_en-US" xlink:label="lab_bbva_ExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Exchange differences</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExchangeDifferences" xlink:href="bbva-20241231.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_c4eed08a-aac4-4378-b2e0-8e22a173ce4f_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax_a5dc1d46-bc31-49c1-8b91-d7dfe734c286_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on cash flow hedges, before tax</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on cash flow hedges, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:to="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureByCountriesDomain_d51927a8-5626-4383-ac64-59fe13637a00_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureByCountriesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_6fdcf5f5-c1d4-405d-8fc4-0230f7d29cd2_terseLabel_en-US" xlink:label="lab_bbva_BenefitPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Benefit payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BenefitPaymentsMember" xlink:href="bbva-20241231.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_0c4b8ed8-ab8b-49b5-a5de-6c5e76036d3b_terseLabel_en-US" xlink:label="lab_bbva_BasisPointsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Basis points</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointsAxis" xlink:href="bbva-20241231.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_cbc08ddd-7b8d-4df9-9625-cdd49122ecea_terseLabel_en-US" xlink:label="lab_bbva_CreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Credit institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditInstitutionsMember" xlink:href="bbva-20241231.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_32441723-3b7e-4bf4-8b02-f7081e10e3cf_terseLabel_en-US" xlink:label="lab_bbva_DeferredLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredLiabilitiesMember" xlink:href="bbva-20241231.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_580f0517-7dbf-4364-9597-bf866b843e65_terseLabel_en-US" xlink:label="lab_bbva_TotalTier1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total Tier 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalTier1" xlink:href="bbva-20241231.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_d84b5681-538e-4c2e-99da-7b12c9183dcd_terseLabel_en-US" xlink:label="lab_bbva_IssuedByCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Issued by central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuedByCentralBanksMember" xlink:href="bbva-20241231.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_5c04ebe3-1ee6-486b-9a08-55113998f3a3_terseLabel_en-US" xlink:label="lab_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_LoansAndAdvancesToBanksAtAmortisedCost_4cde8fe5-6d35-432e-8608-e00a5e292ac9_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToBanksAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to banks</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesToBanksAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoansAndAdvancesToBanksAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesToBanksAtAmortisedCost" xlink:to="lab_ifrs-full_LoansAndAdvancesToBanksAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityInstrumentsIssuedOtherThanCapital_24efc25d-54fc-494b-b2df-960c73bfcee7_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsIssuedOtherThanCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity instruments issued other than capital</link:label>
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    <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" xml:lang="en-US">Equity instruments issued other than capital</link:label>
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    <link:label id="lab_bbva_AmountOfCapitalCC1Domain_9feed0f3-7865-452d-8c88-bf7c212e4897_terseLabel_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Domain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Amount of capital CC1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfCapitalCC1Domain" xlink:href="bbva-20241231.xsd#bbva_AmountOfCapitalCC1Domain"/>
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    <link:label id="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable_b6a86baf-3fb3-4846-b009-2202d2b817bf_terseLabel_en-US" xlink:label="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Wholesale financing transactions carried out by group entities [Table]</link:label>
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    <link:label id="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable_documentation_en-US" xlink:label="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Wholesale financing transactions carried out by group entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable" xlink:href="bbva-20241231.xsd#bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable" xlink:to="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComponentsOfEquityDomain_0aa2d405-1740-4add-861e-cf5185c2bbd0_terseLabel_en-US" xlink:label="lab_ifrs-full_ComponentsOfEquityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Components of equity [domain]</link:label>
    <link:label id="lab_ifrs-full_ComponentsOfEquityDomain_label_en-US" xlink:label="lab_ifrs-full_ComponentsOfEquityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Components of equity [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComponentsOfEquityDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ComponentsOfEquityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComponentsOfEquityDomain" xlink:to="lab_ifrs-full_ComponentsOfEquityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OptionModelsOnFXUnderlyingsMember_d772166f-b819-4f50-8202-3fc15e2d1e3d_terseLabel_en-US" xlink:label="lab_bbva_OptionModelsOnFXUnderlyingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Option models on FX underlyings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OptionModelsOnFXUnderlyingsMember" xlink:href="bbva-20241231.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_0592ccf4-fb1b-4655-b02f-760f7db713b6_terseLabel_en-US" xlink:label="lab_bbva_FinancialIncomeFromNonFinancialServices" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_7f4c1a4b-17c9-400b-a22f-303c45ef9ba6_terseLabel_en-US" xlink:label="lab_bbva_MinorityInterestDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Minority interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MinorityInterestDomain" xlink:href="bbva-20241231.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_ChangesInOtherIntangibleAssetsTableTextBlock_6208b35c-f88b-4736-90ac-6f13e7172d61_terseLabel_en-US" xlink:label="lab_bbva_ChangesInOtherIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Changes in other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInOtherIntangibleAssetsTableTextBlock" xlink:href="bbva-20241231.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_ifrs-full_DividendsPaid_0b32615c-1ea5-4005-89a3-ebe42d8a2b13_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DividendsPaid" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Dividends recognised as distributions to owners</link:label>
    <link:label id="lab_ifrs-full_DividendsPaid_label_en-US" xlink:label="lab_ifrs-full_DividendsPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends recognised as distributions to owners</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DividendsPaid" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DividendsPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DividendsPaid" xlink:to="lab_ifrs-full_DividendsPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVATecnologyAmericaS.A.Member_20d8c89b-b3ed-45a7-bf26-82fd5713a15a_terseLabel_en-US" xlink:label="lab_bbva_BBVATecnologyAmericaS.A.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBVA Tecnology Am&#233;rica S.A.</link:label>
    <link:label id="lab_bbva_BBVATecnologyAmericaS.A.Member_label_en-US" xlink:label="lab_bbva_BBVATecnologyAmericaS.A.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BBVA Tecnology Am&#233;rica S.A. [Member]</link:label>
    <link:label id="lab_bbva_BBVATecnologyAmericaS.A.Member_documentation_en-US" xlink:label="lab_bbva_BBVATecnologyAmericaS.A.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBVA Tecnology Am&#233;rica S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVATecnologyAmericaS.A.Member" xlink:href="bbva-20241231.xsd#bbva_BBVATecnologyAmericaS.A.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVATecnologyAmericaS.A.Member" xlink:to="lab_bbva_BBVATecnologyAmericaS.A.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LCRMainLMULineItems_d7283577-40d8-4490-b883-33901e564197_terseLabel_en-US" xlink:label="lab_bbva_LCRMainLMULineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LCRMainLMULineItems" xlink:href="bbva-20241231.xsd#bbva_LCRMainLMULineItems"/>
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    <link:label id="lab_ifrs-full_CashAndBankBalancesAtCentralBanks_832cfd78-b688-413a-a51e-a2652a901bcb_terseLabel_en-US" xlink:label="lab_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments_fa2e8ce5-1963-44ea-896c-33c28a130f84_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, gains (losses) on hedging instruments that hedge investments in equity instruments</link:label>
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    <link:label id="lab_bbva_VenezuelaBBVAMember_561a0f8a-659f-4ead-b22c-31271fbda110_terseLabel_en-US" xlink:label="lab_bbva_VenezuelaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Venezuela BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VenezuelaBBVAMember" xlink:href="bbva-20241231.xsd#bbva_VenezuelaBBVAMember"/>
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    <link:label id="lab_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems_9a02376d-4e1c-4dbf-9eda-b3cd96bbcc4f_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined benefit liabilities or assets on the consolidated balance sheet [Line Items]</link:label>
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    <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" 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-20241231.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_a58bb025-7c7c-48ec-8feb-bf6137d4e223_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value by levels [Table]</link:label>
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    <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" 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-20241231.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_ifrs-full_OtherComprehensiveIncome_4d7cedfb-5dca-49dd-8519-ae0efe366fae_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncome" xlink:to="lab_ifrs-full_OtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsTable_6db0ff97-92c7-4acd-9b37-295b8b3c6741_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsTable" xlink:href="bbva-20241231.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_HeldByBBVAMember_a625ef52-9b25-4aa1-a840-741452cc7d86_terseLabel_en-US" xlink:label="lab_bbva_HeldByBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Held by BBVA [Member]</link:label>
    <link:label id="lab_bbva_HeldByBBVAMember_label_en-US" xlink:label="lab_bbva_HeldByBBVAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Held by BBVA [Member]</link:label>
    <link:label id="lab_bbva_HeldByBBVAMember_documentation_en-US" xlink:label="lab_bbva_HeldByBBVAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Held by BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HeldByBBVAMember" xlink:href="bbva-20241231.xsd#bbva_HeldByBBVAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HeldByBBVAMember" xlink:to="lab_bbva_HeldByBBVAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_9d889a2a-26c8-4c3b-8b74-654d414d3dae_terseLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</link:label>
    <link:label id="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_label_en-US" xlink:label="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net financial assets 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_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:to="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember_44767a27-ec4b-4e8b-b9e4-680d82611e2c_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_b18d76ae-91c3-4164-a613-e50b5119c6c4_terseLabel_en-US" xlink:label="lab_bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_4544d222-f538-44ae-9512-f8b7a1bd0f28_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_CommunicationExpense_098d826d-e658-4f4b-ae82-137cb8469bd7_terseLabel_en-US" xlink:label="lab_ifrs-full_CommunicationExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Communication expense</link:label>
    <link:label id="lab_ifrs-full_CommunicationExpense_label_en-US" xlink:label="lab_ifrs-full_CommunicationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Communication expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CommunicationExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CommunicationExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CommunicationExpense" xlink:to="lab_ifrs-full_CommunicationExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichOTCOtherFinancialCorporationsMember_ef984b3b-22fa-494c-ae05-ef04c062b13c_terseLabel_en-US" xlink:label="lab_bbva_OfWhichOTCOtherFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which OTC other financial corporations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichOTCOtherFinancialCorporationsMember" xlink:href="bbva-20241231.xsd#bbva_OfWhichOTCOtherFinancialCorporationsMember"/>
    <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_11dcb3b2-b4c1-4775-a272-f83e5c55c65a_terseLabel_en-US" xlink:label="lab_bbva_LoansAndReceivablesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loans and receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndReceivablesLineItems" xlink:href="bbva-20241231.xsd#bbva_LoansAndReceivablesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndReceivablesLineItems" xlink:to="lab_bbva_LoansAndReceivablesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2029Member_a2136804-e3a4-4746-8b29-75a2cfb2e3ef_terseLabel_en-US" xlink:label="lab_bbva_A2029Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2029</link:label>
    <link:label id="lab_bbva_A2029Member_label_en-US" xlink:label="lab_bbva_A2029Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2029 [Member]</link:label>
    <link:label id="lab_bbva_A2029Member_documentation_en-US" xlink:label="lab_bbva_A2029Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2029</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2029Member" xlink:href="bbva-20241231.xsd#bbva_A2029Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2029Member" xlink:to="lab_bbva_A2029Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncontrollingInterests_6ecf4f7b-74dc-47f5-96ab-a19402286a65_totalLabel_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_NoncontrollingInterests_66d7d2b8-3aaa-44da-ad1e-cdc4e686e15b_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DepositsFromCustomersByGeographicalAreaAndInstrumentTable_c27bb048-af68-4df0-a108-ae7e73ba7e1c_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ca3389a6-6f12-4729-a148-112023382383_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Foreign exchange agreements hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignExchangeAgreementsHedgeAccountingMember" xlink:href="bbva-20241231.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_b36da91d-2a93-4edc-8e58-fbde386350e0_terseLabel_en-US" xlink:label="lab_bbva_HeadingsOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Headings of assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HeadingsOfAssetsAxis" xlink:href="bbva-20241231.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_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense_ad2cc2ce-172a-4f47-b77d-e4aeb029595d_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments for depreciation and amortisation expense</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for depreciation and amortisation expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:to="lab_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksRepurchaseAgreementsMember_f9465ace-41ab-4d28-8ea2-d0ccdc8a4532_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from banks repurchase agreements</link:label>
    <link:label id="lab_bbva_DepositsFromBanksRepurchaseAgreementsMember_label_en-US" xlink:label="lab_bbva_DepositsFromBanksRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits from banks repurchase agreements [Member]</link:label>
    <link:label id="lab_bbva_DepositsFromBanksRepurchaseAgreementsMember_documentation_en-US" xlink:label="lab_bbva_DepositsFromBanksRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits from banks repurchase agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksRepurchaseAgreementsMember" xlink:href="bbva-20241231.xsd#bbva_DepositsFromBanksRepurchaseAgreementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromBanksRepurchaseAgreementsMember" xlink:to="lab_bbva_DepositsFromBanksRepurchaseAgreementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LCRMainLMUDomain_e411df88-1a8c-4135-9639-355e7e99c6a5_terseLabel_en-US" xlink:label="lab_bbva_LCRMainLMUDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LCRMainLMUDomain" xlink:href="bbva-20241231.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" 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" xml:lang="en-US">BBVA Group [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAGroupAbstract" xlink:href="bbva-20241231.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"/>
    <link:label id="lab_bbva_ExpectedLossVariationAsOfDecemberTableTextBlock_ffbe09d4-9e8a-4f97-89e1-804c806952b4_terseLabel_en-US" xlink:label="lab_bbva_ExpectedLossVariationAsOfDecemberTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected loss variation as of december [Table Text Block]</link:label>
    <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" 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" 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-20241231.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_TangibleAssetsByGroupingSubsidiariesDomain_7a7655cd-5ca0-4bdd-9075-0f032ee5eb1a_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsByGroupingSubsidiariesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets by grouping subsidiaries [Domain]</link:label>
    <link:label id="lab_bbva_TangibleAssetsByGroupingSubsidiariesDomain_label_en-US" xlink:label="lab_bbva_TangibleAssetsByGroupingSubsidiariesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tangible assets by grouping subsidiaries [Domain]</link:label>
    <link:label id="lab_bbva_TangibleAssetsByGroupingSubsidiariesDomain_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsByGroupingSubsidiariesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tangible assets by grouping subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsByGroupingSubsidiariesDomain" xlink:href="bbva-20241231.xsd#bbva_TangibleAssetsByGroupingSubsidiariesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsByGroupingSubsidiariesDomain" xlink:to="lab_bbva_TangibleAssetsByGroupingSubsidiariesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock_616de2bf-baee-41c1-8c7d-3431bb30c2e2_terseLabel_en-US" xlink:label="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balances Arising From Transactions With Entities Of The Group Explanatory [Table Text Block]</link:label>
    <link:label id="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock_label_en-US" xlink:label="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Balances Arising From Transactions With Entities Of The Group Explanatory [Table Text Block]</link:label>
    <link:label id="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock_documentation_en-US" xlink:label="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Balances Arising From Transactions With Entities Of The Group Explanatory</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock" xlink:href="bbva-20241231.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_srt_StatementGeographicalAxis_451ba706-3d00-4c50-86b0-349969b0ec84_terseLabel_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StatementGeographicalAxis"/>
    <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_AnnualVariableRemunerationSeniorManagementInShares_ce931139-1195-4f32-b635-3b2a5ad86f2b_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_AnnualVariableRemunerationSeniorManagementInShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationSeniorManagementInShares" xlink:to="lab_bbva_AnnualVariableRemunerationSeniorManagementInShares" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain_4c128dd1-ca9d-46e8-8004-fd5a09c16d6b_terseLabel_en-US" xlink:label="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in liabilities from financing activities [Domain]</link:label>
    <link:label id="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain_label_en-US" xlink:label="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes in liabilities from financing activities [Domain]</link:label>
    <link:label id="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain_documentation_en-US" xlink:label="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Changes in liabilities from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain" xlink:href="bbva-20241231.xsd#bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain" xlink:to="lab_bbva_ChangesInLiabilitiesFromFinancingActivitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable_6591a69b-63cb-42ce-9c54-3642d0894907_terseLabel_en-US" xlink:label="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balances Arising From Transactions With Entities Of The Group [Table]</link:label>
    <link:label id="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable_label_en-US" xlink:label="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Balances Arising From Transactions With Entities Of The Group [Table]</link:label>
    <link:label id="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable_documentation_en-US" xlink:label="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Balances Arising From Transactions With Entities Of The Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" xlink:href="bbva-20241231.xsd#bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" xlink:to="lab_bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsLevel3Total_bf88fa9e-1b19-4c56-b6e0-85595f6457ce_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets level 3 total</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3Total_label_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets level 3 total</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3Total_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets level 3 total</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLevel3Total" xlink:href="bbva-20241231.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_0ec7d1a7-8230-48f0-8bdf-ae851bb80ea1_terseLabel_en-US" xlink:label="lab_bbva_GroupInsuranceLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Group insurance life insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GroupInsuranceLifeInsuranceContractsMember" xlink:href="bbva-20241231.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_Nov30ToFeb31Member_87f12e2c-19ea-45bc-9266-ad60a444a2c5_terseLabel_en-US" xlink:label="lab_bbva_Nov30ToFeb31Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nov-30 to Feb-31 [Member]</link:label>
    <link:label id="lab_bbva_Nov30ToFeb31Member_label_en-US" xlink:label="lab_bbva_Nov30ToFeb31Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nov-30 to Feb-31 [Member]</link:label>
    <link:label id="lab_bbva_Nov30ToFeb31Member_documentation_en-US" xlink:label="lab_bbva_Nov30ToFeb31Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Nov-30 to Feb-31</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Nov30ToFeb31Member" xlink:href="bbva-20241231.xsd#bbva_Nov30ToFeb31Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Nov30ToFeb31Member" xlink:to="lab_bbva_Nov30ToFeb31Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember_7e31e5cc-3789-4424-8678-3e064a6ce364_terseLabel_en-US" xlink:label="lab_ifrs-full_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Opening balance after adjustment, cumulative effect at date of initial application [member]</link:label>
    <link:label id="lab_ifrs-full_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember_label_en-US" xlink:label="lab_ifrs-full_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Opening balance after adjustment, cumulative effect at date of initial application [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember" xlink:to="lab_ifrs-full_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PromissoryBillsAndNotesMember_3db21d8b-880b-40d0-9590-1f17746856f3_terseLabel_en-US" xlink:label="lab_bbva_PromissoryBillsAndNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Promissory bills and notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PromissoryBillsAndNotesMember" xlink:href="bbva-20241231.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_ad9ac605-f8d2-4c41-bf8e-315d8c006d3b_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_TotalConsolidatedIncomeStatementImpact_25345bb1-4ad9-40fc-8e16-ea37071f775a_terseLabel_en-US" xlink:label="lab_bbva_TotalConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total consolidated income statement impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalConsolidatedIncomeStatementImpact" xlink:href="bbva-20241231.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_bbva_HeldByOtherSubsidiariesMember_62345498-ec6a-4d08-9bb1-65bd38404bc4_terseLabel_en-US" xlink:label="lab_bbva_HeldByOtherSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Held by other subsidiaries [Member]</link:label>
    <link:label id="lab_bbva_HeldByOtherSubsidiariesMember_label_en-US" xlink:label="lab_bbva_HeldByOtherSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Held by other subsidiaries [Member]</link:label>
    <link:label id="lab_bbva_HeldByOtherSubsidiariesMember_documentation_en-US" xlink:label="lab_bbva_HeldByOtherSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Held by other subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HeldByOtherSubsidiariesMember" xlink:href="bbva-20241231.xsd#bbva_HeldByOtherSubsidiariesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HeldByOtherSubsidiariesMember" xlink:to="lab_bbva_HeldByOtherSubsidiariesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ChiefExecutiveOfficerMember_39e8f12d-45a9-46a0-8b07-241a210d8c82_terseLabel_en-US" xlink:label="lab_srt_ChiefExecutiveOfficerMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chief Executive Officer [Member]</link:label>
    <link:label id="lab_srt_ChiefExecutiveOfficerMember_label_en-US" xlink:label="lab_srt_ChiefExecutiveOfficerMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Chief Executive Officer [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ChiefExecutiveOfficerMember" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ChiefExecutiveOfficerMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ChiefExecutiveOfficerMember" xlink:to="lab_srt_ChiefExecutiveOfficerMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems_2eaaf797-6c0d-4c56-8ece-03737496d33f_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems_18c94449-35b0-4941-950c-7417768c5d41_terseLabel_en-US" xlink:label="lab_bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variations in liabilities under insurance and reinsurance contracts [Line Items]</link:label>
    <link:label id="lab_bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems_label_en-US" xlink:label="lab_bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variations in liabilities under insurance and reinsurance contracts [Line Items]</link:label>
    <link:label id="lab_bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems_documentation_en-US" xlink:label="lab_bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variations in liabilities under insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:href="bbva-20241231.xsd#bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:to="lab_bbva_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherReclassificationsCashFlowHedgesEffectivePortion_69c6716a-cc25-493e-9ae1-682a8a968234_terseLabel_en-US" xlink:label="lab_bbva_OtherReclassificationsCashFlowHedgesEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications cash flow hedges effective portion</link:label>
    <link:label id="lab_bbva_OtherReclassificationsCashFlowHedgesEffectivePortion_label_en-US" xlink:label="lab_bbva_OtherReclassificationsCashFlowHedgesEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other reclassifications cash flow hedges effective portion</link:label>
    <link:label id="lab_bbva_OtherReclassificationsCashFlowHedgesEffectivePortion_documentation_en-US" xlink:label="lab_bbva_OtherReclassificationsCashFlowHedgesEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other reclassifications cash flow hedges effective portion</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReclassificationsCashFlowHedgesEffectivePortion" xlink:href="bbva-20241231.xsd#bbva_OtherReclassificationsCashFlowHedgesEffectivePortion"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReclassificationsCashFlowHedgesEffectivePortion" xlink:to="lab_bbva_OtherReclassificationsCashFlowHedgesEffectivePortion" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAVRAxis_bf903eef-a4e8-4cbc-bf2f-d8d8df1dce8f_terseLabel_en-US" xlink:label="lab_bbva_DeferredAVRAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred AVR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAVRAxis" xlink:href="bbva-20241231.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_a300dbe3-1f5f-4643-800d-c3f490e096ec_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisAxis" xlink:href="bbva-20241231.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_OfWhichCollectiveMember_1d1ee7b2-742d-44b1-9b48-d67dd7bb806d_terseLabel_en-US" xlink:label="lab_bbva_OfWhichCollectiveMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which collective</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichCollectiveMember" xlink:href="bbva-20241231.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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems_4c6a21ed-d114-446e-bc0a-82aeda042dc9_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts [Line Items]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems_label_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts [Line Items]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems_documentation_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:to="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsFromTangibleAssetsMember_9420d8a5-5a39-49b6-a019-39ec4a28d1ed_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsFromTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other assets from tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsFromTangibleAssetsMember" xlink:href="bbva-20241231.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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss_1dbee6b2-0e01-4459-ad00-e3c8255783ea_terseLabel_en-US" xlink:label="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign currency translation</link:label>
    <link:label id="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedge of net investments in foreign operations effective portion that may be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hedge of net investments in foreign operations effective portion that may be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GuaranteesReceivedLineItems_cebf1622-bc31-40d7-9487-ef270395b906_terseLabel_en-US" xlink:label="lab_bbva_GuaranteesReceivedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Guarantees received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GuaranteesReceivedLineItems" xlink:href="bbva-20241231.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_6a1267c7-c9b4-44a3-b18a-31f7d62f6eef_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxPercentageOnReconciliation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Effective tax percentage on reconciliation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectiveTaxPercentageOnReconciliation" xlink:href="bbva-20241231.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_0cb67bcf-363a-4fa3-8d7e-bf0d7981c1af_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_21085fd0-0f79-44af-b6ea-8215dfe47378_terseLabel_en-US" xlink:label="lab_bbva_TotalRWA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total RWA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalRWA" xlink:href="bbva-20241231.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_dd31a2d7-8c9b-4e09-b1a7-c1648c81e6e4_terseLabel_en-US" xlink:label="lab_bbva_NonFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Non financial corporations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonFinancialCorporationsMember" xlink:href="bbva-20241231.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_srt_ArithmeticAverageMember_039a68ac-b8a0-423b-9e36-ce525aa02d20_terseLabel_en-US" xlink:label="lab_srt_ArithmeticAverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.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_CollateralPledgesReceivedTable_bf1bc5a7-6121-4f78-9674-51907e86d315_terseLabel_en-US" xlink:label="lab_bbva_CollateralPledgesReceivedTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Collateral pledges received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollateralPledgesReceivedTable" xlink:href="bbva-20241231.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_4b197686-2186-46b4-9794-6aad4a61b131_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_aa02307f-2844-4d4d-94db-0dec1d6bf8c4_terseLabel_en-US" xlink:label="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_TangibleAssetsMember_6ed64d53-47c5-4273-a130-e9b24862eb1a_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsMember" xlink:href="bbva-20241231.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_ifrs-full_StatementOfChangesInEquityLineItems_72b4f497-0397-4821-83bb-ce8afbd13863_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ObservableInputs_3dc51d30-fcb2-41c5-bf7f-50ece53f3635_terseLabel_en-US" xlink:label="lab_bbva_ObservableInputs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Observable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ObservableInputs" xlink:href="bbva-20241231.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_d71ec47b-2655-4462-aa9b-7946b8e1096c_terseLabel_en-US" xlink:label="lab_bbva_TypeOfStageAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Type of stage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfStageAxis" xlink:href="bbva-20241231.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_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems_ba88a662-f76c-42bf-a7bf-bd53a52a1f2e_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_44eb6446-d913-4fe8-8cb4-6eb4cc2ef9fa_verboseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in other assets</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in other assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:to="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock_d7f973c1-c560-43bb-b615-d0ea3960db69_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_StatementOfCashFlowsAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_TotalReservesHoldingCompany_2c69067d-fabb-4a8d-a6fc-0aaed7ce3cf1_terseLabel_en-US" xlink:label="lab_bbva_TotalReservesHoldingCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total reserves holding company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalReservesHoldingCompany" xlink:href="bbva-20241231.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_c710ea0f-750e-497b-976f-c483aaf3414a_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostDomain" xlink:href="bbva-20241231.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_bbva_PecriInversionSLMember_4eff10a3-c4b1-45d5-822f-c390b3493b1b_terseLabel_en-US" xlink:label="lab_bbva_PecriInversionSLMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Pecri Inversion SL</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PecriInversionSLMember" xlink:href="bbva-20241231.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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems_f9db90ea-9c86-4ad4-9cd3-4a7512df6d99_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_0c4c6098-6609-4b85-97ec-751d6133300c_terseLabel_en-US" xlink:label="lab_bbva_IssuedInEurosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Issued in euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuedInEurosMember" xlink:href="bbva-20241231.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_EncumberedAssets_3cb0c2f3-92ba-48c8-a0d2-ff15524905d9_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Encumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EncumberedAssets" xlink:href="bbva-20241231.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"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLMUMember" xlink:href="bbva-20241231.xsd#bbva_OtherLMUMember"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfAdministrationCostsTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfAdministrationCostsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfAdministrationCostsTextBlock" xlink:to="lab_bbva_DisclosureOfAdministrationCostsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherExpenseByFunction_938fabbe-4c4e-45fb-a440-6d2b1c52dffc_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherExpenseByFunction" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_Other_1a2128fc-0402-4243-9e3b-d8f6992e58b7_terseLabel_en-US" xlink:label="lab_bbva_Other" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Other" xlink:href="bbva-20241231.xsd#bbva_Other"/>
    <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_AveragePurchasesInEuros_9242c4fb-16cd-4a91-841a-8b97bc065882_terseLabel_en-US" xlink:label="lab_bbva_AveragePurchasesInEuros" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average purchases in euros</link:label>
    <link:label id="lab_bbva_AveragePurchasesInEuros_label_en-US" xlink:label="lab_bbva_AveragePurchasesInEuros" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average purchases in euros</link:label>
    <link:label id="lab_bbva_AveragePurchasesInEuros_documentation_en-US" xlink:label="lab_bbva_AveragePurchasesInEuros" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Average purchases in euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AveragePurchasesInEuros" xlink:href="bbva-20241231.xsd#bbva_AveragePurchasesInEuros"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AveragePurchasesInEuros" xlink:to="lab_bbva_AveragePurchasesInEuros" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable_52695ec0-e24e-465f-b330-c8a5d257b640_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Assets And Liabilities Breakdown By Financial Instrument [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable_label_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets And Liabilities Breakdown By Financial Instrument [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Assets And Liabilities Breakdown By Financial Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" xlink:href="bbva-20241231.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_e21c0d9e-0a74-4de3-8a46-3646c263172a_terseLabel_en-US" xlink:label="lab_bbva_BBVAAAPlusMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA AA plus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAAAPlusMember" xlink:href="bbva-20241231.xsd#bbva_BBVAAAPlusMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAAAPlusMember" xlink:to="lab_bbva_BBVAAAPlusMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NSFRMainLMUDomain_fd05b684-8c9e-4997-9fd1-6b067ef0fd13_terseLabel_en-US" xlink:label="lab_bbva_NSFRMainLMUDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NSFR main LMU [Domain]</link:label>
    <link:label id="lab_bbva_NSFRMainLMUDomain_label_en-US" xlink:label="lab_bbva_NSFRMainLMUDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NSFR main LMU [Domain]</link:label>
    <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" xml:lang="en-US">NSFR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NSFRMainLMUDomain" xlink:href="bbva-20241231.xsd#bbva_NSFRMainLMUDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NSFRMainLMUDomain" xlink:to="lab_bbva_NSFRMainLMUDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_EuropeMember_d5a9299c-2052-45d3-b65c-39e7ca9c9adf_terseLabel_en-US" xlink:label="lab_srt_EuropeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Europe [Member]</link:label>
    <link:label id="lab_srt_EuropeMember_label_en-US" xlink:label="lab_srt_EuropeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Europe [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EuropeMember" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_EuropeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_EuropeMember" xlink:to="lab_srt_EuropeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_b8bc65d7-bee7-4b7b-8e27-0a477c2f5c67_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable_81ce3f8f-e630-463e-97a0-cb5fe47d0822_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" xlink:to="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherNonLifeInsuranceProductsMember_612ee703-64e7-404c-85df-85aef4171bb7_terseLabel_en-US" xlink:label="lab_bbva_OtherNonLifeInsuranceProductsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other non life insurance products [Member]</link:label>
    <link:label id="lab_bbva_OtherNonLifeInsuranceProductsMember_label_en-US" xlink:label="lab_bbva_OtherNonLifeInsuranceProductsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other non life insurance products [Member]</link:label>
    <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" xml:lang="en-US">Other non life insurance products</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherNonLifeInsuranceProductsMember" xlink:href="bbva-20241231.xsd#bbva_OtherNonLifeInsuranceProductsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherNonLifeInsuranceProductsMember" xlink:to="lab_bbva_OtherNonLifeInsuranceProductsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssuingInstitutionsAxis_83fec2ba-3f8e-41de-8d40-49572a263ba3_terseLabel_en-US" xlink:label="lab_bbva_IssuingInstitutionsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuing institutions [Axis]</link:label>
    <link:label id="lab_bbva_IssuingInstitutionsAxis_label_en-US" xlink:label="lab_bbva_IssuingInstitutionsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuing institutions [Axis]</link:label>
    <link:label id="lab_bbva_IssuingInstitutionsAxis_documentation_en-US" xlink:label="lab_bbva_IssuingInstitutionsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuing institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuingInstitutionsAxis" xlink:href="bbva-20241231.xsd#bbva_IssuingInstitutionsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IssuingInstitutionsAxis" xlink:to="lab_bbva_IssuingInstitutionsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale_f06f12af-87b6-4b09-8a62-51859d186e6b_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains losses on sale of investments classified as non current assets held for sale</link:label>
    <link:label id="lab_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale_label_en-US" xlink:label="lab_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains losses on sale of investments classified as non current assets held for sale</link:label>
    <link:label id="lab_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains losses on sale of investments classified as non current assets held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" xlink:href="bbva-20241231.xsd#bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale"/>
    <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_ifrs-full_RestatedMember_a0badfc4-9b9d-40eb-8d6c-1b26a30e5a5b_terseLabel_en-US" xlink:label="lab_ifrs-full_RestatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_GDP100Bp_353ef572-5e6b-445b-a64d-02b02ce879b9_terseLabel_en-US" xlink:label="lab_bbva_GDP100Bp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">GDP -100 bp</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GDP100Bp" xlink:href="bbva-20241231.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_bbva_FinancialInstrumentsEntrustedByThirdParties_389568d9-2d6a-465e-b1d9-8cda9577802e_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsEntrustedByThirdParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_6aa729ac-3865-4ca0-ae7f-327b433f2e89_terseLabel_en-US" xlink:label="lab_bbva_CompaniesHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Companies held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CompaniesHeldForSaleMember" xlink:href="bbva-20241231.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_SignificantUnobservableInputsLineItems_d46c5101-a287-4295-92db-88796de21cf0_terseLabel_en-US" xlink:label="lab_bbva_SignificantUnobservableInputsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Significant unobservable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SignificantUnobservableInputsLineItems" xlink:href="bbva-20241231.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_a8fc2595-2967-4836-8253-7fa515a16144_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfAccountantFeesAndServicesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of accountant fees and services [Text Block]</link:label>
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    <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" 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-20241231.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"/>
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    <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" xml:lang="en-US">Provisions for taxes, legal contingencies and other provisions changes over the year</link:label>
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    <link:label id="lab_ifrs-full_DerivativesMember_0c117d15-808f-4f1c-aa4a-98f0041f5141_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_EstimatedBenefitPaymentsMaturityAxis_498811f2-6353-4142-92d9-6a434e36512f_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsMaturityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated benefit payments maturity [Axis]</link:label>
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    <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" xml:lang="en-US">Estimated benefit payments maturity</link:label>
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    <link:label id="lab_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities_e380d92c-5214-474f-b0e8-1da78f6b1b3a_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other cash receipts from sales of interests in joint ventures</link:label>
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    <link:label id="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_ccb7883b-1c25-44e0-9ba9-7df0c267ab53_terseLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:to="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember_d3eb2057-69d3-41fe-b1ba-b250490f769c_terseLabel_en-US" xlink:label="lab_bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_LaterThanFiveYearsMember_ae5caeae-88aa-49a0-ad17-b33d3ef32430_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent_b0354c1a-6a55-4503-939d-23bb4fdefbde_terseLabel_en-US" xlink:label="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flows from insurance and reinsurance contracts by valuation component</link:label>
    <link:label id="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent_label_en-US" xlink:label="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from insurance and reinsurance contracts by valuation component</link:label>
    <link:label id="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent_documentation_en-US" xlink:label="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash flows from insurance and reinsurance contracts by valuation component</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:href="bbva-20241231.xsd#bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:to="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets_93648b2b-635a-4e1c-a5b5-6baaf7a29209_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_2a3dd572-03ed-42ca-9510-97987e38416e_terseLabel_en-US" xlink:label="lab_bbva_OfWhichBankAccountInBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_NonCashChangesFromFinancingActivitiesDomain_37fd7ce3-f7e4-4743-85b6-cf480e2ab766_terseLabel_en-US" xlink:label="lab_bbva_NonCashChangesFromFinancingActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash changes from financing activities [Domain]</link:label>
    <link:label id="lab_bbva_NonCashChangesFromFinancingActivitiesDomain_label_en-US" xlink:label="lab_bbva_NonCashChangesFromFinancingActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-cash changes from financing activities [Domain]</link:label>
    <link:label id="lab_bbva_NonCashChangesFromFinancingActivitiesDomain_documentation_en-US" xlink:label="lab_bbva_NonCashChangesFromFinancingActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-cash changes from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCashChangesFromFinancingActivitiesDomain" xlink:href="bbva-20241231.xsd#bbva_NonCashChangesFromFinancingActivitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCashChangesFromFinancingActivitiesDomain" xlink:to="lab_bbva_NonCashChangesFromFinancingActivitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ResidualMaturitiesInstrumentsDomain_d086ffa4-18ec-48ae-80f3-f57e410ff02b_terseLabel_en-US" xlink:label="lab_bbva_ResidualMaturitiesInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Residual maturities instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ResidualMaturitiesInstrumentsDomain" xlink:href="bbva-20241231.xsd#bbva_ResidualMaturitiesInstrumentsDomain"/>
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    <link:label id="lab_bbva_OtherRiskHedgeCashFlowMember_16d147b4-c92c-44b3-bd15-e6916053ef91_terseLabel_en-US" xlink:label="lab_bbva_OtherRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other risk hedge cash flow</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherRiskHedgeCashFlowMember" xlink:href="bbva-20241231.xsd#bbva_OtherRiskHedgeCashFlowMember"/>
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    <link:label id="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis_72a83b3d-21bd-4111-885c-b0fae0c31610_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Annual fixed remuneration executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" xlink:href="bbva-20241231.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_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_a2cec2df-db1e-4623-9ed0-af13ad7e87e2_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ComparablePricesInputs_c1f0b382-7a42-4625-8b0f-2a3693ad32c4_terseLabel_en-US" xlink:label="lab_bbva_ComparablePricesInputs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Comparable prices inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ComparablePricesInputs" xlink:href="bbva-20241231.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_8885fa70-8e02-42a0-8ad7-6a782a98f1f1_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsDomain" xlink:href="bbva-20241231.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_5668dc29-5e46-46a8-896b-1c670d99d2fb_terseLabel_en-US" xlink:label="lab_bbva_OtherServicesRenderedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other services rendered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherServicesRenderedLineItems" xlink:href="bbva-20241231.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_dei_DocumentAnnualReport_01e3c15f-6651-46b5-a4b6-3771aa207ed8_terseLabel_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ActuarialAssumptionsLineItems_03eb92ca-8513-4d18-ad35-99c162d2352e_terseLabel_en-US" xlink:label="lab_bbva_ActuarialAssumptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Actuarial assumptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ActuarialAssumptionsLineItems" xlink:href="bbva-20241231.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_4b064252-ad1c-4fbc-a673-74656135a5f5_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accounting policy for income tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForIncomeTaxPolicyTextBlock" xlink:href="bbva-20241231.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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_10cf776f-851f-4b43-883d-38a82976ab40_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_documentation_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:href="bbva-20241231.xsd#bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:to="lab_bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInOtherIntangibleAssetsTable_00a6c1e9-2854-41b3-9c5a-6949c44b136a_terseLabel_en-US" xlink:label="lab_bbva_ChangesInOtherIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Changes in other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInOtherIntangibleAssetsTable" xlink:href="bbva-20241231.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_bbva_DefaultedMember_318681f4-08ae-4af0-91a6-c777a272ed61_terseLabel_en-US" xlink:label="lab_bbva_DefaultedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Defaulted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefaultedMember" xlink:href="bbva-20241231.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_10a8db1b-17c1-4378-8d52-bea0948ba70d_terseLabel_en-US" xlink:label="lab_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_ChangesInFairValueNotRecognizedInProfitAndLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss" xlink:to="lab_bbva_ChangesInFairValueNotRecognizedInProfitAndLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock_a41bb879-8603-4711-9323-64f05539e8b1_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectiveTaxRateDomain_0a32e56d-e59f-4303-8480-76f7ec1488c0_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxRateDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Effective tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectiveTaxRateDomain" xlink:href="bbva-20241231.xsd#bbva_EffectiveTaxRateDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectiveTaxRateDomain" xlink:to="lab_bbva_EffectiveTaxRateDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PlanAssetsMember_98c27c3c-cbc7-4097-abef-1daa7bc33033_terseLabel_en-US" xlink:label="lab_ifrs-full_PlanAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Plan assets [member]</link:label>
    <link:label id="lab_ifrs-full_PlanAssetsMember_label_en-US" xlink:label="lab_ifrs-full_PlanAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan assets [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PlanAssetsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_PlanAssetsMember"/>
    <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_ifrs-full_Cash_fc929169-c47e-4127-9c4d-93736b5b416e_terseLabel_en-US" xlink:label="lab_ifrs-full_Cash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_RelatedPartiesMember_2cd7775d-1304-4c81-9561-c359184464cb_terseLabel_en-US" xlink:label="lab_ifrs-full_RelatedPartiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total for all 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" xml:lang="en-US">Total for all related parties [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RelatedPartiesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember_488a67d0-a01e-421b-9271-84ffa6c2fe35_terseLabel_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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_label_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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" 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-20241231.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_TangibleAssetsBreakdownByTypeOfAssetTable_9475a72f-f638-45c6-814b-792aae147891_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_InterestRateRiskMember_2aad71bd-b086-4663-bb29-77d0e47fe7ab_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_FixedInterestRateMember_f14896a2-09a9-4577-89cb-c971c69781bd_terseLabel_en-US" xlink:label="lab_ifrs-full_FixedInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_DemandAccount_e31f4104-d3ec-4ee6-bb40-703013097096_terseLabel_en-US" xlink:label="lab_bbva_DemandAccount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Demand Account</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DemandAccount" xlink:href="bbva-20241231.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_d9dec3f4-7ffa-42ac-ad20-94e0d97974bd_terseLabel_en-US" xlink:label="lab_bbva_BasisPointsChangeSensitivityAnalysis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Basis points change sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointsChangeSensitivityAnalysis" xlink:href="bbva-20241231.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_bbva_AllocationOfEarningsTableTextBlock_e8309730-4bf6-4e92-960c-3ebc15b2915f_terseLabel_en-US" xlink:label="lab_bbva_AllocationOfEarningsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Allocation of earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AllocationOfEarningsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_AllocationOfEarningsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AllocationOfEarningsTableTextBlock" xlink:to="lab_bbva_AllocationOfEarningsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransferBetweenLevelsTableTextBlock_e84d9431-8a89-4b66-a89f-707925fc640a_terseLabel_en-US" xlink:label="lab_bbva_TransferBetweenLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfer between levels [Table Text Block]</link:label>
    <link:label id="lab_bbva_TransferBetweenLevelsTableTextBlock_label_en-US" xlink:label="lab_bbva_TransferBetweenLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfer between levels [Table Text Block]</link:label>
    <link:label id="lab_bbva_TransferBetweenLevelsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TransferBetweenLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transfer between levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferBetweenLevelsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_TransferBetweenLevelsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransferBetweenLevelsTableTextBlock" xlink:to="lab_bbva_TransferBetweenLevelsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_330c820a-4d19-4169-8bd8-ed66c12d8e28_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill_2ee4782d-2b8c-47cd-8888-184c5065f221_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" xml:lang="en-US">Increase (decrease) through net exchange differences, intangible assets and goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IndividualLifeInsuranceContractsMember_03288c62-e65c-4526-aa04-520ad338757c_terseLabel_en-US" xlink:label="lab_bbva_IndividualLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Individual life insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IndividualLifeInsuranceContractsMember" xlink:href="bbva-20241231.xsd#bbva_IndividualLifeInsuranceContractsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IndividualLifeInsuranceContractsMember" xlink:to="lab_bbva_IndividualLifeInsuranceContractsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsDomain_ee9672db-50be-4c05-8a53-09323326fa33_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial instruments [Domain]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsDomain_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments [Domain]</link:label>
    <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" xml:lang="en-US">Financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsDomain" xlink:href="bbva-20241231.xsd#bbva_FinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsDomain" xlink:to="lab_bbva_FinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PotentialImpactOnConsolidatedIncomeStatementMember_649eedb2-1f12-43fc-b511-61249685e525_terseLabel_en-US" xlink:label="lab_bbva_PotentialImpactOnConsolidatedIncomeStatementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Potential impact on consolidated income statement [Member]</link:label>
    <link:label id="lab_bbva_PotentialImpactOnConsolidatedIncomeStatementMember_label_en-US" xlink:label="lab_bbva_PotentialImpactOnConsolidatedIncomeStatementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Potential impact on consolidated income statement [Member]</link:label>
    <link:label id="lab_bbva_PotentialImpactOnConsolidatedIncomeStatementMember_documentation_en-US" xlink:label="lab_bbva_PotentialImpactOnConsolidatedIncomeStatementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Potential impact on consolidated income statement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PotentialImpactOnConsolidatedIncomeStatementMember" xlink:href="bbva-20241231.xsd#bbva_PotentialImpactOnConsolidatedIncomeStatementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PotentialImpactOnConsolidatedIncomeStatementMember" xlink:to="lab_bbva_PotentialImpactOnConsolidatedIncomeStatementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredShareRemunerationSystemAxis_3f8113e5-a09a-489a-938f-c5d4d9537538_terseLabel_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred share Remuneration system [Axis]</link:label>
    <link:label id="lab_bbva_DeferredShareRemunerationSystemAxis_label_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred share Remuneration system [Axis]</link:label>
    <link:label id="lab_bbva_DeferredShareRemunerationSystemAxis_documentation_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred share Remuneration system</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredShareRemunerationSystemAxis" xlink:href="bbva-20241231.xsd#bbva_DeferredShareRemunerationSystemAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredShareRemunerationSystemAxis" xlink:to="lab_bbva_DeferredShareRemunerationSystemAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsAccruals_006896d9-660e-4976-9f0e-fafd596cd67b_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsAccruals" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other Assets Accruals</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsAccruals" xlink:href="bbva-20241231.xsd#bbva_OtherAssetsAccruals"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAssetsAccruals" xlink:to="lab_bbva_OtherAssetsAccruals" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherActuarialGainsAndLossesMember_4edd4726-65a6-4717-ab20-d207e218f7b3_terseLabel_en-US" xlink:label="lab_bbva_OtherActuarialGainsAndLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other actuarial gains and losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherActuarialGainsAndLossesMember" xlink:href="bbva-20241231.xsd#bbva_OtherActuarialGainsAndLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherActuarialGainsAndLossesMember" xlink:to="lab_bbva_OtherActuarialGainsAndLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeArisingFromInsuranceContracts_cef0046e-9989-4c99-8146-b5bd1000323a_terseLabel_en-US" xlink:label="lab_bbva_IncomeArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income arising from insurance contracts</link:label>
    <link:label id="lab_bbva_IncomeArisingFromInsuranceContracts_label_en-US" xlink:label="lab_bbva_IncomeArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income arising from insurance contracts</link:label>
    <link:label id="lab_bbva_IncomeArisingFromInsuranceContracts_documentation_en-US" xlink:label="lab_bbva_IncomeArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income arising from insurance contracts. [Refer: Types of insurance contracts [member]]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeArisingFromInsuranceContracts" xlink:href="bbva-20241231.xsd#bbva_IncomeArisingFromInsuranceContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeArisingFromInsuranceContracts" xlink:to="lab_bbva_IncomeArisingFromInsuranceContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MaximumExposureToCreditRisk_d4da93ae-e153-42d5-9bf6-2dc1e2fa28ed_terseLabel_en-US" xlink:label="lab_ifrs-full_MaximumExposureToCreditRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum exposure to credit risk</link:label>
    <link:label id="lab_ifrs-full_MaximumExposureToCreditRisk_f50f6547-32fb-4692-ad72-2ea62e6a369c_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_MaximumExposureToCreditRisk" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_MaximumExposureToCreditRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MaximumExposureToCreditRisk" xlink:to="lab_ifrs-full_MaximumExposureToCreditRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefinedBenefitLiabilityAssetByCountryAxis_9685e9d2-4d23-49ec-9ad1-bd5f70594069_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitLiabilityAssetByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Defined benefit liability asset by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitLiabilityAssetByCountryAxis" xlink:href="bbva-20241231.xsd#bbva_DefinedBenefitLiabilityAssetByCountryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedBenefitLiabilityAssetByCountryAxis" xlink:to="lab_bbva_DefinedBenefitLiabilityAssetByCountryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BreakdownByUGEsAxis_a51554f7-d8cf-4013-921e-85b68e06d713_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByUGEsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Breakdown by UGEs [Axis]</link:label>
    <link:label id="lab_bbva_BreakdownByUGEsAxis_label_en-US" xlink:label="lab_bbva_BreakdownByUGEsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Breakdown by UGEs [Axis]</link:label>
    <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" xml:lang="en-US">Breakdown by UGEs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownByUGEsAxis" xlink:href="bbva-20241231.xsd#bbva_BreakdownByUGEsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownByUGEsAxis" xlink:to="lab_bbva_BreakdownByUGEsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss_31b9fddf-59c6-462f-95da-16accd95e503_totalLabel_en-US" xlink:label="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Items that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss_d602a9b0-7581-4ecd-ad9f-cc6eb58b7c08_terseLabel_en-US" xlink:label="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income that will not be reclassified to profit or loss, net of tax</link:label>
    <link:label id="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Items that will not be reclassified to profit or loss</link:label>
    <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" xml:lang="en-US">Items that will not be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_WorkInProgressMember_e13c159e-c268-41a0-9da8-02f72f1b471a_terseLabel_en-US" xlink:label="lab_bbva_WorkInProgressMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Work in progress [Member]</link:label>
    <link:label id="lab_bbva_WorkInProgressMember_label_en-US" xlink:label="lab_bbva_WorkInProgressMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Work in progress [Member]</link:label>
    <link:label id="lab_bbva_WorkInProgressMember_documentation_en-US" xlink:label="lab_bbva_WorkInProgressMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Work in progress</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_WorkInProgressMember" xlink:href="bbva-20241231.xsd#bbva_WorkInProgressMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_WorkInProgressMember" xlink:to="lab_bbva_WorkInProgressMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable_d349c83c-c35a-43d5-9485-edd0adfa1e7f_terseLabel_en-US" xlink:label="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect offsetting for derivatives and securities operation [Table]</link:label>
    <link:label id="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable_label_en-US" xlink:label="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effect offsetting for derivatives and securities operation [Table]</link:label>
    <link:label id="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable_documentation_en-US" xlink:label="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effect offsetting for derivatives and securities operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable" xlink:href="bbva-20241231.xsd#bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable" xlink:to="lab_bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpactOfTheStressTestTableTextBlock_deddba1f-a5f6-4904-ab84-2a797e3dc95a_terseLabel_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impact of the stress test [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpactOfTheStressTestTableTextBlock_label_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impact of the stress test [Table Text Block]</link:label>
    <link:label id="lab_bbva_ImpactOfTheStressTestTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impact of the stress test</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpactOfTheStressTestTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_ImpactOfTheStressTestTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpactOfTheStressTestTableTextBlock" xlink:to="lab_bbva_ImpactOfTheStressTestTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsDomain_f894077a-c801-40a2-b565-616121b5e937_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maturity of future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsDomain" xlink:href="bbva-20241231.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_f206dec4-a82a-44d5-8439-2918beeb89db_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesDomain" xlink:href="bbva-20241231.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_bedd865b-bff8-4cce-8128-d5fd9c852590_terseLabel_en-US" xlink:label="lab_bbva_TotalFinancialAssetsRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total financial assets risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalFinancialAssetsRiskMember" xlink:href="bbva-20241231.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_a991235d-fe04-4c5b-b515-a0881b31d35f_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_e840b08f-c989-4bd4-897e-89ddcb4e6b40_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial liabilities liquidity risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesLiquidityRisk" xlink:href="bbva-20241231.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_ifrs-full_RetainedEarnings_c3114ea8-b3c6-429b-9ce3-dfbb763bf1d8_terseLabel_en-US" xlink:label="lab_ifrs-full_RetainedEarnings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_LaterThanSixMonthsAndNotLaterThanNineMonthsMember_7754511f-e4ee-4f58-a075-5adee346d352_terseLabel_en-US" xlink:label="lab_bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_NumberOfTreasuryShares_f11806a3-2c08-4783-9dec-6603099bf916_periodStartLabel_en-US" xlink:label="lab_bbva_NumberOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Number of treasury shares</link:label>
    <link:label id="lab_bbva_NumberOfTreasuryShares_62844293-7055-4384-8b93-56380c0cd53e_periodEndLabel_en-US" xlink:label="lab_bbva_NumberOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Number of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NumberOfTreasuryShares" xlink:href="bbva-20241231.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_ifrs-full_ProbabilityOfDefaultAxis_e1af58e2-0fa4-40c7-b74f-f92bf52a3e0c_terseLabel_en-US" xlink:label="lab_ifrs-full_ProbabilityOfDefaultAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of probability of default [Axis]</link:label>
    <link:label id="lab_ifrs-full_ProbabilityOfDefaultAxis_label_en-US" xlink:label="lab_ifrs-full_ProbabilityOfDefaultAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Probability of default [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProbabilityOfDefaultAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ProbabilityOfDefaultAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProbabilityOfDefaultAxis" xlink:to="lab_ifrs-full_ProbabilityOfDefaultAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock_5a555b8c-2af0-4746-9ba7-7e206b2daf3e_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_a9607287-cb39-4000-8cc1-9f4e71e8ef99_terseLabel_en-US" xlink:label="lab_bbva_IssuedByPublicAdministrationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Issued by public administrations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuedByPublicAdministrationsMember" xlink:href="bbva-20241231.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_TypesOfCustomersAxis_70444eca-30ea-4a7f-9ee7-1055a0df53fc_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of customers [Axis]</link:label>
    <link:label id="lab_ifrs-full_TypesOfCustomersAxis_label_en-US" xlink:label="lab_ifrs-full_TypesOfCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of customers [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfCustomersAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TypesOfCustomersAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfCustomersAxis" xlink:to="lab_ifrs-full_TypesOfCustomersAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_889f0a8d-b9c9-4bb5-9811-a0cbf8cc1091_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_GuaranteesReceivedTable_fd48a491-9646-4fcd-8719-e0517baa9ae7_terseLabel_en-US" xlink:label="lab_bbva_GuaranteesReceivedTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Guarantees received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GuaranteesReceivedTable" xlink:href="bbva-20241231.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_f6a4b529-bd74-45c8-a0b4-9610c9247844_terseLabel_en-US" xlink:label="lab_bbva_TheoreticalSharesAllocated" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Theoretical shares allocated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TheoreticalSharesAllocated" xlink:href="bbva-20241231.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_1de89590-a896-4aeb-bab6-d4dc57673310_terseLabel_en-US" xlink:label="lab_bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_AverageNSFRMainLMU_f523f6a6-0ea9-47ed-9a76-d5ea32c61b4f_terseLabel_en-US" xlink:label="lab_bbva_AverageNSFRMainLMU" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Average NSFR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageNSFRMainLMU" xlink:href="bbva-20241231.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_da57beb8-8c48-4a54-b25f-694d16366f5a_terseLabel_en-US" xlink:label="lab_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Dividend income breakdown by headline</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" xlink:href="bbva-20241231.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_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset_5fa30324-358b-42e4-a8fd-87cc44d29d3c_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) through changes that relate to current service, insurance contracts liability (asset)</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through changes that relate to current service, insurance contracts liability (asset)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset_20adde7a-b2bf-40fc-908b-931623b5f937_terseLabel_en-US" xlink:label="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from contributions to plan</link:label>
    <link:label id="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from contributions to plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksByCountryAxis_381bd038-cb20-4e3a-a69b-68aac190739b_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deposits from banks by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromBanksByCountryAxis" xlink:href="bbva-20241231.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_FinancialLiabilitiesAtAmortisedCostTableTextBlock_2d0ec237-3272-41bf-9696-c924d871c11d_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" xlink:href="bbva-20241231.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_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock_57be7548-22e0-43e6-a815-b64005bafdc7_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_2d4db4f1-df30-4a79-9174-b1e210ad66eb_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on remeasuring available-for-sale financial assets, before tax</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial assets measured at fair value through other comprehensive income, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:to="lab_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset_dba01f6e-372e-4300-bfbb-7e8d198176b0_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Contributions to plan by employer, net defined benefit liability (asset)</link:label>
    <link:label id="lab_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from resulting from contributions to plan by employer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAAAARatingMember_242bce6c-5d10-499f-b8fe-d107ccbafd70_terseLabel_en-US" xlink:label="lab_bbva_BBVAAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA AAA Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAAAARatingMember" xlink:href="bbva-20241231.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_IssuedCapital_b1204c3a-3c90-482e-b41e-97743de67921_totalLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapital" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Issued capital</link:label>
    <link:label id="lab_ifrs-full_IssuedCapital_b469077a-519d-4535-90bb-dac019919f2a_terseLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issued capital</link:label>
    <link:label id="lab_ifrs-full_IssuedCapital_label_en-US" xlink:label="lab_ifrs-full_IssuedCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issued capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IssuedCapital" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IssuedCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IssuedCapital" xlink:to="lab_ifrs-full_IssuedCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalCapitalTier2_8cd3335f-1e8b-411e-bcfb-c104d7ef5287_terseLabel_en-US" xlink:label="lab_bbva_TotalCapitalTier2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total capital tier 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalCapitalTier2" xlink:href="bbva-20241231.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_18739e11-4671-42be-a448-75a638997716_terseLabel_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_OtherEntitiesBBVAMember_bc029b97-7e73-4e42-8d5f-ddf47a0032e3_terseLabel_en-US" xlink:label="lab_bbva_OtherEntitiesBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other entities BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherEntitiesBBVAMember" xlink:href="bbva-20241231.xsd#bbva_OtherEntitiesBBVAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherEntitiesBBVAMember" xlink:to="lab_bbva_OtherEntitiesBBVAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeTable_379a0f05-b831-44c6-ac71-4b0e28ac23e0_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accumulated Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccumulatedOtherComprehensiveIncomeTable" xlink:href="bbva-20241231.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_a7636f9e-7482-4195-bdee-4dfe24111a99_terseLabel_en-US" xlink:label="lab_bbva_BankingAndOtherFinancialServicesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Banking and other financial services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BankingAndOtherFinancialServicesMember" xlink:href="bbva-20241231.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_1cd76534-fe36-4552-a92e-789a2d9ca28e_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock_70ceb874-916f-4b06-b899-74de6564d689_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances maturing in more than one year by interest rate fixed and floating [Table Text Block]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances maturing in more than one year by fixed interest rate and floating [Table Text Block]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and advances maturing in more than one year by fixed interest rate and floating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock" xlink:to="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks_4d36bd66-a92c-4928-ad29-0bd1296a3ccb_terseLabel_en-US" xlink:label="lab_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_NonCashChangesInLiabilitiesFromAcquisitionMember_801f1af8-f1fc-4bdc-9a1a-d45c2e705c18_terseLabel_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromAcquisitionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from acquisition [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromAcquisitionMember_label_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromAcquisitionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from acquisition [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromAcquisitionMember_documentation_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromAcquisitionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from acquisition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCashChangesInLiabilitiesFromAcquisitionMember" xlink:href="bbva-20241231.xsd#bbva_NonCashChangesInLiabilitiesFromAcquisitionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCashChangesInLiabilitiesFromAcquisitionMember" xlink:to="lab_bbva_NonCashChangesInLiabilitiesFromAcquisitionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancingActivitiesLiabilitiesLineItems_903eb35f-32c6-479b-946e-a701668f86bb_terseLabel_en-US" xlink:label="lab_bbva_FinancingActivitiesLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financing activities liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancingActivitiesLiabilitiesLineItems" xlink:href="bbva-20241231.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_6ca8d7eb-18a8-4d20-8914-3d47af0c64ae_terseLabel_en-US" xlink:label="lab_bbva_OtherAdjustmentsAndDeductionsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_3a3d21f3-9626-4973-8996-38f0bb539851_terseLabel_en-US" xlink:label="lab_bbva_UnobservableInputsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Unobservable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnobservableInputsTable" xlink:href="bbva-20241231.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_9cbb2c4f-f5e9-40a8-a343-a13cf6fcca39_terseLabel_en-US" xlink:label="lab_bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ede02b87-d649-47ea-94a3-a41281fcc262_terseLabel_en-US" xlink:label="lab_bbva_TypeOfEquityInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Type of equity instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfEquityInstrumentDomain" xlink:href="bbva-20241231.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_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost_ff02ce89-c424-40a3-9dd6-b99fb6e6821e_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Expense For Financial Liabilities Measured At Amortised Cost</link:label>
    <link:label id="lab_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost_label_en-US" xlink:label="lab_bbva_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense For Financial Liabilities Measured At Amortised Cost</link:label>
    <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" 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-20241231.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_5081bb14-e848-42d5-9b8a-a50982dff353_terseLabel_en-US" xlink:label="lab_bbva_TotalRestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total restricted reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalRestrictedReserves" xlink:href="bbva-20241231.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_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_cba742a5-007f-4f7b-b382-207f2347b434_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ClassesOfFinancialInstrumentsCollateralReceivedAxis_81e0b5e9-848f-47fd-a2d2-d1a18de709a2_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_5255b8fa-562e-4df9-8def-59799054e333_terseLabel_en-US" xlink:label="lab_bbva_BaseScenarioTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Base scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BaseScenarioTable" xlink:href="bbva-20241231.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_629bec19-2e5e-4199-ac6e-e4a96f3f665f_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsAndLiabilitiesTableTextBlock" xlink:href="bbva-20241231.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_b26784a6-1cfb-4222-aa04-597469916eee_terseLabel_en-US" xlink:label="lab_bbva_TreasuryStockTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Treasury Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasuryStockTable" xlink:href="bbva-20241231.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_DeferredTaxAssets_225719ca-a8e1-41a7-9093-7615145099ea_terseLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxAssets_23456ded-c21d-4d3b-866c-47eabaa3f25e_periodStartLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxAssets_94566778-8cce-41f0-aa99-9d2148e2a522_periodEndLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets and liabilities</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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_A2020Member_01b6463d-6aed-46c0-89de-9f8091b21a7b_terseLabel_en-US" xlink:label="lab_bbva_A2020Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">2020</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2020Member" xlink:href="bbva-20241231.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_643f027d-df50-431e-a920-5e154fe5c343_terseLabel_en-US" xlink:label="lab_bbva_NumberOfSharesOwnedByThirdParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis_c51037e3-1f20-47b9-9deb-7bb3c709f9c3_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_InvestmentFundsMember_2469ab51-b8e8-4132-ada3-8f23a293fcd9_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentFundsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment funds [member]</link:label>
    <link:label id="lab_ifrs-full_InvestmentFundsMember_label_en-US" xlink:label="lab_ifrs-full_InvestmentFundsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment funds [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentFundsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InvestmentFundsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentFundsMember" xlink:to="lab_ifrs-full_InvestmentFundsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_c3df17e8-4a34-4fc5-9dba-c8f55fbd1900_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Impairment loss recognised in profit or loss, goodwill</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_label_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment loss recognised in profit or loss, goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:to="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember_18357db6-e093-4bdd-aa4f-4eff9dd7942e_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod_af34ae1a-c502-44f7-b73c-460e68b35436_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest revenue calculated using effective interest method</link:label>
    <link:label id="lab_ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod_label_en-US" xlink:label="lab_ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest revenue calculated using effective interest method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" xlink:to="lab_ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ValueOfGuaranteesAxis_d3fb22df-2447-4d56-8ff7-35f75d2ffafc_terseLabel_en-US" xlink:label="lab_bbva_ValueOfGuaranteesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Value of guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValueOfGuaranteesAxis" xlink:href="bbva-20241231.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_ifrs-full_RelatedPartyTransactionsAbstract_6572cc75-03f6-44d1-afb4-89a3aa623274_terseLabel_en-US" xlink:label="lab_ifrs-full_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ActuarialAssumptionsPercentageTableTextBlock_9bd9ce85-971a-4f22-9af3-77221607e585_terseLabel_en-US" xlink:label="lab_bbva_ActuarialAssumptionsPercentageTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Actuarial assumptions percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ActuarialAssumptionsPercentageTableTextBlock" xlink:href="bbva-20241231.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_BasicEarningsLossPerShare_b5d80092-8b18-476e-a07b-bfe8b65edd62_terseLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_BasicEarningsLossPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BasicEarningsLossPerShare" xlink:to="lab_ifrs-full_BasicEarningsLossPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalInvestmentsInListedMarketsMember_64fe3af1-e9e7-4279-9074-473ea9fb8fa9_terseLabel_en-US" xlink:label="lab_bbva_TotalInvestmentsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total investments in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalInvestmentsInListedMarketsMember" xlink:href="bbva-20241231.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_0a0516fe-ee69-40a1-90d2-cc992e2e68ca_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Annual variable remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationDomain" xlink:href="bbva-20241231.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_82a4bc98-7d56-4932-95ed-c14768b5878a_terseLabel_en-US" xlink:label="lab_bbva_ValueOfCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Value of collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValueOfCollateralMember" xlink:href="bbva-20241231.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_DateOfIssueAxis_ea9352ac-66f5-4f1d-b392-7f27a88b798c_terseLabel_en-US" xlink:label="lab_bbva_DateOfIssueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Date of issue [Axis]</link:label>
    <link:label id="lab_bbva_DateOfIssueAxis_label_en-US" xlink:label="lab_bbva_DateOfIssueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Date of issue [Axis]</link:label>
    <link:label id="lab_bbva_DateOfIssueAxis_documentation_en-US" xlink:label="lab_bbva_DateOfIssueAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Date of issue</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DateOfIssueAxis" xlink:href="bbva-20241231.xsd#bbva_DateOfIssueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DateOfIssueAxis" xlink:to="lab_bbva_DateOfIssueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpensesBenefitCommitments_067a682b-70e6-4c12-b049-45cb6b41ae93_terseLabel_en-US" xlink:label="lab_bbva_InterestExpensesBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest Expenses Benefit Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpensesBenefitCommitments" xlink:href="bbva-20241231.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_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember_c28fd1c2-ecc7-4188-8457-0c77bfdc6ca2_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_FXDerivativesMember_2429d470-89e5-49a5-b4d9-a7312197f115_terseLabel_en-US" xlink:label="lab_bbva_FXDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">FX derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FXDerivativesMember" xlink:href="bbva-20241231.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_f0ba549c-259b-48e5-b326-319ac9e06502_terseLabel_en-US" xlink:label="lab_bbva_BecomingWriteOffs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Becoming write offs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BecomingWriteOffs" xlink:href="bbva-20241231.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_bbva_NSFRMainLMUTable_a3cb3da4-94b7-4c53-b5ee-dcbc1422d958_terseLabel_en-US" xlink:label="lab_bbva_NSFRMainLMUTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">NSFR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NSFRMainLMUTable" xlink:href="bbva-20241231.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_bbva_TreasurySharesByEntitiesAxis_e88277be-95ff-41f3-80aa-ebff89730f24_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesByEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares by entities [Axis]</link:label>
    <link:label id="lab_bbva_TreasurySharesByEntitiesAxis_label_en-US" xlink:label="lab_bbva_TreasurySharesByEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury shares by entities [Axis]</link:label>
    <link:label id="lab_bbva_TreasurySharesByEntitiesAxis_documentation_en-US" xlink:label="lab_bbva_TreasurySharesByEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury shares by entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesByEntitiesAxis" xlink:href="bbva-20241231.xsd#bbva_TreasurySharesByEntitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesByEntitiesAxis" xlink:to="lab_bbva_TreasurySharesByEntitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Mar24Member_3afc4098-8b72-4c7d-8039-53594341433d_terseLabel_en-US" xlink:label="lab_bbva_Mar24Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mar-24 [Member]</link:label>
    <link:label id="lab_bbva_Mar24Member_label_en-US" xlink:label="lab_bbva_Mar24Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mar-24 [Member]</link:label>
    <link:label id="lab_bbva_Mar24Member_documentation_en-US" xlink:label="lab_bbva_Mar24Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mar-24</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Mar24Member" xlink:href="bbva-20241231.xsd#bbva_Mar24Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Mar24Member" xlink:to="lab_bbva_Mar24Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransferredFinancialLiabilitiesDomain_61ea5857-6cf2-4dcc-a184-47a3f58aa6f6_terseLabel_en-US" xlink:label="lab_bbva_TransferredFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Transferred financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferredFinancialLiabilitiesDomain" xlink:href="bbva-20241231.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_573a5d73-5559-4c6e-a9ef-70e06fd59e0b_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_eabc951c-16e5-4b8c-800d-deaf0664f3cc_terseLabel_en-US" xlink:label="lab_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_eaa5adde-492e-44b6-8075-e9f078ee5261_terseLabel_en-US" xlink:label="lab_bbva_AdministrationCostsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Administration Costs [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdministrationCostsAbstract" xlink:href="bbva-20241231.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_786a7a38-e0c9-411b-a2e7-650a5e3cedc0_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAtAmortizedCostToCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_a601c3fd-f999-47b1-a05d-5547aef6aea0_terseLabel_en-US" xlink:label="lab_bbva_OtherNonFinancialServicesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other non-financial services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherNonFinancialServicesMember" xlink:href="bbva-20241231.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_bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities_be640d6b-7443-438a-a6c1-63e440c5758b_totalLabel_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net increase decrease in operating assets from operating activities</link:label>
    <link:label id="lab_bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities_label_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net increase decrease in operating assets from operating activities</link:label>
    <link:label id="lab_bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities_documentation_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net increase decrease in operating assets from operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" xlink:href="bbva-20241231.xsd#bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" xlink:to="lab_bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfLiabilitiesDomain_9f89729d-d245-4f0b-b0cb-8e0adb8a5123_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of liabilities [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfLiabilitiesDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of liabilities [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfLiabilitiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ClassesOfLiabilitiesDomain"/>
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    <link:label id="lab_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact_fc9a7d4b-5f6d-400c-ba2f-2439af99b878_terseLabel_en-US" xlink:label="lab_bbva_PersonnelExpenseConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_FinancialLiabilitiesAtFairValueByLevelsLineItems_0de6238e-b6e9-431a-af9b-996bfc6f9b56_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_49aea5a6-271f-42f7-b76f-9f787a238ddf_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Provisions or reversal of provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsOrReversalOfProvisions" xlink:href="bbva-20241231.xsd#bbva_ProvisionsOrReversalOfProvisions"/>
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    <link:label id="lab_bbva_TypeOfStageDomain_9016e020-5e5d-4a88-8d28-ac3716324844_terseLabel_en-US" xlink:label="lab_bbva_TypeOfStageDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Type of stage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfStageDomain" xlink:href="bbva-20241231.xsd#bbva_TypeOfStageDomain"/>
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    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest_3a2cfeec-36f6-4208-b3f8-e209b5a760d1_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest" xlink:to="lab_bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock_60dc78ad-f80c-4e44-9fed-79e74fdf1559_terseLabel_en-US" xlink:label="lab_bbva_AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policies for entities and branches located in countries with hiperinflationary economies [Policy Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" xlink:href="bbva-20241231.xsd#bbva_AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock"/>
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    <link:label id="lab_bbva_CollectionsFromFinancingActivities_804f9340-156e-4de2-81ba-67f7037c5661_totalLabel_en-US" xlink:label="lab_bbva_CollectionsFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Collections from financing activities</link:label>
    <link:label id="lab_bbva_CollectionsFromFinancingActivities_label_en-US" xlink:label="lab_bbva_CollectionsFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collections from financing activities</link:label>
    <link:label id="lab_bbva_CollectionsFromFinancingActivities_documentation_en-US" xlink:label="lab_bbva_CollectionsFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Collections from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollectionsFromFinancingActivities" xlink:href="bbva-20241231.xsd#bbva_CollectionsFromFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CollectionsFromFinancingActivities" xlink:to="lab_bbva_CollectionsFromFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpactOfTheStressTestLineItems_b839f5b7-aa78-4f31-8561-b2f1db138a3c_terseLabel_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impact of the stress test [Line Items]</link:label>
    <link:label id="lab_bbva_ImpactOfTheStressTestLineItems_label_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impact of the stress test [Line Items]</link:label>
    <link:label id="lab_bbva_ImpactOfTheStressTestLineItems_documentation_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impact of the stress test</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpactOfTheStressTestLineItems" xlink:href="bbva-20241231.xsd#bbva_ImpactOfTheStressTestLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpactOfTheStressTestLineItems" xlink:to="lab_bbva_ImpactOfTheStressTestLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PreviouslyStatedMember_4e073c72-0c89-4462-9015-86b441d7fae6_terseLabel_en-US" xlink:label="lab_ifrs-full_PreviouslyStatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Previously stated [member]</link:label>
    <link:label id="lab_ifrs-full_PreviouslyStatedMember_label_en-US" xlink:label="lab_ifrs-full_PreviouslyStatedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Previously stated [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PreviouslyStatedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_PreviouslyStatedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PreviouslyStatedMember" xlink:to="lab_ifrs-full_PreviouslyStatedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialIncomeExpenseFromInsuranceContracts_2b7dcbb7-fe66-43a2-9c4f-f67981f5dacf_terseLabel_en-US" xlink:label="lab_bbva_FinancialIncomeExpenseFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial income (expense) from insurance contracts</link:label>
    <link:label id="lab_bbva_FinancialIncomeExpenseFromInsuranceContracts_label_en-US" xlink:label="lab_bbva_FinancialIncomeExpenseFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial income (expense) from insurance contracts</link:label>
    <link:label id="lab_bbva_FinancialIncomeExpenseFromInsuranceContracts_documentation_en-US" xlink:label="lab_bbva_FinancialIncomeExpenseFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial income (expense) from insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialIncomeExpenseFromInsuranceContracts" xlink:href="bbva-20241231.xsd#bbva_FinancialIncomeExpenseFromInsuranceContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialIncomeExpenseFromInsuranceContracts" xlink:to="lab_bbva_FinancialIncomeExpenseFromInsuranceContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems_b36b7129-9b12-48f5-81cb-3c17187eb0e2_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of net defined benefit liability (asset) [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of net defined benefit liability (asset) [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:to="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReFinancingOrRestructuring_0a912260-8c98-470d-8a29-7f47a3ee0843_terseLabel_en-US" xlink:label="lab_bbva_ReFinancingOrRestructuring" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Re-financing or restructuring</link:label>
    <link:label id="lab_bbva_ReFinancingOrRestructuring_label_en-US" xlink:label="lab_bbva_ReFinancingOrRestructuring" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Re-financing or restructuring</link:label>
    <link:label id="lab_bbva_ReFinancingOrRestructuring_documentation_en-US" xlink:label="lab_bbva_ReFinancingOrRestructuring" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Re-financing or restructuring</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReFinancingOrRestructuring" xlink:href="bbva-20241231.xsd#bbva_ReFinancingOrRestructuring"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReFinancingOrRestructuring" xlink:to="lab_bbva_ReFinancingOrRestructuring" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember_26bd8fb2-34b3-4a65-8b42-69c70388b410_terseLabel_en-US" xlink:label="lab_bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Later than nine months and not later than one year [Member]</link:label>
    <link:label id="lab_bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember_label_en-US" xlink:label="lab_bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than nine months and not later than one year [Member]</link:label>
    <link:label id="lab_bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember_documentation_en-US" xlink:label="lab_bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Later than nine months and not later than one year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember" xlink:href="bbva-20241231.xsd#bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember" xlink:to="lab_bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditorsForOtherPaymentObligationsMember_702bf51f-2d0f-4547-8065-dd8e477561ee_terseLabel_en-US" xlink:label="lab_bbva_CreditorsForOtherPaymentObligationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Creditors for other payment obligations [Member]</link:label>
    <link:label id="lab_bbva_CreditorsForOtherPaymentObligationsMember_label_en-US" xlink:label="lab_bbva_CreditorsForOtherPaymentObligationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Creditors for other payment obligations [Member]</link:label>
    <link:label id="lab_bbva_CreditorsForOtherPaymentObligationsMember_documentation_en-US" xlink:label="lab_bbva_CreditorsForOtherPaymentObligationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Creditors for other payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditorsForOtherPaymentObligationsMember" xlink:href="bbva-20241231.xsd#bbva_CreditorsForOtherPaymentObligationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditorsForOtherPaymentObligationsMember" xlink:to="lab_bbva_CreditorsForOtherPaymentObligationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock_27a2fae9-2ee7-4dc7-822e-35a29b8e4f4c_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Gains Or Losses On Financial Assets And Liabilities And Exchanges Differences [Text Block]</link:label>
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    <link:label id="lab_bbva_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of Gains Or Losses On Financial Assets And Liabilities, Hedge Accounting And Exchanges Difference</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock" xlink:to="lab_bbva_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities_dfc84e12-a1eb-40ea-91aa-e7e6ecb4a400_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Repayments of subordinated liabilities</link:label>
    <link:label id="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities_label_en-US" xlink:label="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_RepaymentsOfSubordinatedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:to="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefinedBenefitPlanExpense_4ded9e43-6c21-4ecb-8cab-a5fdad092a24_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitPlanExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined benefit plan expense</link:label>
    <link:label id="lab_bbva_DefinedBenefitPlanExpense_label_en-US" xlink:label="lab_bbva_DefinedBenefitPlanExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined benefit plan expense</link:label>
    <link:label id="lab_bbva_DefinedBenefitPlanExpense_documentation_en-US" xlink:label="lab_bbva_DefinedBenefitPlanExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined benefit plan expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitPlanExpense" xlink:href="bbva-20241231.xsd#bbva_DefinedBenefitPlanExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedBenefitPlanExpense" xlink:to="lab_bbva_DefinedBenefitPlanExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersTableTextBlock_445692dd-881c-40a7-8872-508b7e9e8ef4_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to customers [Table Text Block]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersTableTextBlock_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances to customers [Table Text Block]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCustomersTableTextBlock_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesToCustomersTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_LoansAndAdvancesToCustomersTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesToCustomersTableTextBlock" xlink:to="lab_bbva_LoansAndAdvancesToCustomersTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis_12c8347d-62c9-4dc1-9095-a90207d82ca8_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_Mar29Member_4a72b5ac-da43-452f-8bbe-2d056d8ac20f_terseLabel_en-US" xlink:label="lab_bbva_Mar29Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mar-29 [Member]</link:label>
    <link:label id="lab_bbva_Mar29Member_label_en-US" xlink:label="lab_bbva_Mar29Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mar-29 [Member]</link:label>
    <link:label id="lab_bbva_Mar29Member_documentation_en-US" xlink:label="lab_bbva_Mar29Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mar-29</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Mar29Member" xlink:href="bbva-20241231.xsd#bbva_Mar29Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Mar29Member" xlink:to="lab_bbva_Mar29Member" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_ARS_c0c45873-66e6-46af-a1a4-ab6ab96f3d36_terseLabel_en-US" xlink:label="lab_currency_ARS" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/currency-2024.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_dei_AddressTypeDomain_3bc4ab41-76d4-4642-9f80-f750e48458df_terseLabel_en-US" xlink:label="lab_dei_AddressTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_bbva_RepurchaseAgreementMember_615e2fb3-fd22-49b8-a242-62d1b6ea291e_terseLabel_en-US" xlink:label="lab_bbva_RepurchaseAgreementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Repurchase agreement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RepurchaseAgreementMember" xlink:href="bbva-20241231.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_Feb36Member_651bf793-c2e8-4d92-9e6c-523045535f5c_terseLabel_en-US" xlink:label="lab_bbva_Feb36Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Feb-36 [Member]</link:label>
    <link:label id="lab_bbva_Feb36Member_label_en-US" xlink:label="lab_bbva_Feb36Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Feb-36 [Member]</link:label>
    <link:label id="lab_bbva_Feb36Member_documentation_en-US" xlink:label="lab_bbva_Feb36Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Feb-36</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Feb36Member" xlink:href="bbva-20241231.xsd#bbva_Feb36Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Feb36Member" xlink:to="lab_bbva_Feb36Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReconciliationProfitOrLossBeforeTaxMember_8ff9b54f-9559-4636-9199-71f82eec2e4f_terseLabel_en-US" xlink:label="lab_bbva_ReconciliationProfitOrLossBeforeTaxMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_OtherCollectionsRelatedToInvestingActivities_12fdc983-8d77-44d5-9890-70e412fb8741_terseLabel_en-US" xlink:label="lab_bbva_OtherCollectionsRelatedToInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other collections related to investing activities</link:label>
    <link:label id="lab_bbva_OtherCollectionsRelatedToInvestingActivities_label_en-US" xlink:label="lab_bbva_OtherCollectionsRelatedToInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other collections related to investing activities</link:label>
    <link:label id="lab_bbva_OtherCollectionsRelatedToInvestingActivities_documentation_en-US" xlink:label="lab_bbva_OtherCollectionsRelatedToInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other collections related to investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherCollectionsRelatedToInvestingActivities" xlink:href="bbva-20241231.xsd#bbva_OtherCollectionsRelatedToInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherCollectionsRelatedToInvestingActivities" xlink:to="lab_bbva_OtherCollectionsRelatedToInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVASAMember_81271d39-4b28-4134-9fa2-a50b3bbf1520_terseLabel_en-US" xlink:label="lab_bbva_BBVASAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVASAMember" xlink:href="bbva-20241231.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_4f3e0f7d-f14c-4bee-9b24-80e0d0f6b0ff_terseLabel_en-US" xlink:label="lab_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_d423db81-9f35-43d8-9ef4-dc86b4c6482e_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Restricted reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestrictedReserves" xlink:href="bbva-20241231.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_8537deb5-8fb3-45db-8a38-e4bc55be985f_terseLabel_en-US" xlink:label="lab_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_e21f07a1-64eb-45db-a7b5-c9ba25455195_terseLabel_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Depreciation rates for tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationRatesForTangibleAssetsTable" xlink:href="bbva-20241231.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_ifrs-full_ProvisionsAbstract_a3c01f35-c8a7-4982-8b76-ad4438215cfa_terseLabel_en-US" xlink:label="lab_ifrs-full_ProvisionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions [abstract]</link:label>
    <link:label id="lab_ifrs-full_ProvisionsAbstract_label_en-US" xlink:label="lab_ifrs-full_ProvisionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProvisionsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ProvisionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProvisionsAbstract" xlink:to="lab_ifrs-full_ProvisionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasuryStockAcquisitionsFromFinancingActivities_30a7593c-70cc-42f4-bdc7-a6ee4084f65c_terseLabel_en-US" xlink:label="lab_bbva_TreasuryStockAcquisitionsFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock acquisitions from financing activities</link:label>
    <link:label id="lab_bbva_TreasuryStockAcquisitionsFromFinancingActivities_label_en-US" xlink:label="lab_bbva_TreasuryStockAcquisitionsFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury stock acquisitions from financing activities</link:label>
    <link:label id="lab_bbva_TreasuryStockAcquisitionsFromFinancingActivities_documentation_en-US" xlink:label="lab_bbva_TreasuryStockAcquisitionsFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury stock acquisitions from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasuryStockAcquisitionsFromFinancingActivities" xlink:href="bbva-20241231.xsd#bbva_TreasuryStockAcquisitionsFromFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasuryStockAcquisitionsFromFinancingActivities" xlink:to="lab_bbva_TreasuryStockAcquisitionsFromFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_4ced8976-255e-45eb-85cb-577b6db72b28_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Income taxes paid (refund), classified as operating activities</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income taxes paid (refund), classified as operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:to="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_YearsDomain_cf5d7747-5840-4aeb-a7f1-e0d2a61b35d4_terseLabel_en-US" xlink:label="lab_bbva_YearsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Years</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_YearsDomain" xlink:href="bbva-20241231.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_bbva_PensionPlanAssets_000fed07-e2c5-49b2-8ea5-0b1c384afaf2_terseLabel_en-US" xlink:label="lab_bbva_PensionPlanAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Pension plan assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionPlanAssets" xlink:href="bbva-20241231.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_ifrs-full_InterestExpense_fb4a86e4-e6a0-4b73-a088-aea5122c176e_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_ifrs-full_InterestExpense_15b1e1a4-2172-41a2-8f22-103dfcf27c8f_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_ProfitLossAttributableToOwnersOfParent_59e1d47b-1433-4587-ada1-c846bc0d12d5_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Profit (loss), attributable to owners of parent</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent_ab3f3439-744c-4a74-a86e-6b06cc2ca63f_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit (loss), attributable to owners of parent</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent_286c33b0-23c8-4198-a551-f50c7db358e9_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_SeniorManagementTableTextBlock_54abe8f1-8574-47b3-9edd-738029bd7989_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Senior Management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementTableTextBlock" xlink:href="bbva-20241231.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_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract_0ac66f5b-1bc7-4c59-a92b-eed7fd2cb294_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_NonCashChangesLiabilitiesFromFinancingActivities_e5d67bc3-24ce-48ec-89bb-aa0f8080309f_terseLabel_en-US" xlink:label="lab_bbva_NonCashChangesLiabilitiesFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_DateOfIssueDomain_2c89e5ab-bded-44da-98c3-92519e7ff047_terseLabel_en-US" xlink:label="lab_bbva_DateOfIssueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Date of issue domain [Domain]</link:label>
    <link:label id="lab_bbva_DateOfIssueDomain_label_en-US" xlink:label="lab_bbva_DateOfIssueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Date of issue [Domain]</link:label>
    <link:label id="lab_bbva_DateOfIssueDomain_documentation_en-US" xlink:label="lab_bbva_DateOfIssueDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Date of issue</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DateOfIssueDomain" xlink:href="bbva-20241231.xsd#bbva_DateOfIssueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DateOfIssueDomain" xlink:to="lab_bbva_DateOfIssueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PercentageImpactOnNetEconomicValueCreditSpread_bce4703f-2410-4891-9dd4-7a11bc210a6f_terseLabel_en-US" xlink:label="lab_bbva_PercentageImpactOnNetEconomicValueCreditSpread" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_CreditSpreadOptionContractMember_6c78618c-2cf7-4f0a-a99e-86d5690c53d7_terseLabel_en-US" xlink:label="lab_bbva_CreditSpreadOptionContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit spread option contract [Member]</link:label>
    <link:label id="lab_bbva_CreditSpreadOptionContractMember_label_en-US" xlink:label="lab_bbva_CreditSpreadOptionContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit spread option contract [Member]</link:label>
    <link:label id="lab_bbva_CreditSpreadOptionContractMember_documentation_en-US" xlink:label="lab_bbva_CreditSpreadOptionContractMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Credit spread option contract</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditSpreadOptionContractMember" xlink:href="bbva-20241231.xsd#bbva_CreditSpreadOptionContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditSpreadOptionContractMember" xlink:to="lab_bbva_CreditSpreadOptionContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_a8d1f42a-d1f8-4124-b8f3-ca01028b5907_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis_af3b3776-b1c3-48c6-be56-b996572d599b_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains or losses on derivatives breakdown by financial instrument classes of financial instruments [Axis]</link:label>
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    <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" 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-20241231.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_ea9b6690-afcb-431d-a887-75d572b3e94a_terseLabel_en-US" xlink:label="lab_bbva_OfWhichSecuredFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which secured financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichSecuredFinancialInstrumentsDomain" xlink:href="bbva-20241231.xsd#bbva_OfWhichSecuredFinancialInstrumentsDomain"/>
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    <link:label id="lab_bbva_Tier2RegulatoryAdjustmentsMember_b4803265-8a4c-4798-9aa4-72fb26c0d7e0_terseLabel_en-US" xlink:label="lab_bbva_Tier2RegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Tier 2 regulatory adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier2RegulatoryAdjustmentsMember" xlink:href="bbva-20241231.xsd#bbva_Tier2RegulatoryAdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Tier2RegulatoryAdjustmentsMember" xlink:to="lab_bbva_Tier2RegulatoryAdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock_20436631-0565-4972-837c-3f79899c566e_terseLabel_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Probability of default of loans and advances to customers and contingent risk and commitments [Table Text Block]</link:label>
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    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_84756c90-4799-4e1f-8899-c152d167ca2f_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale</link:label>
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    <link:label id="lab_bbva_BBVABBBPlusRatingMember_4fbbd730-b24b-4c18-b0ca-27cd9ce29f1c_terseLabel_en-US" xlink:label="lab_bbva_BBVABBBPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBVA BBB Plus Rating [Member]</link:label>
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    <link:label id="lab_bbva_BBVABBBPlusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVABBBPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBVA BBB Plus Rating</link:label>
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    <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" xml:lang="en-US">Time deposits and other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TimeDepositsAndOtherMember" xlink:href="bbva-20241231.xsd#bbva_TimeDepositsAndOtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TimeDepositsAndOtherMember" xlink:to="lab_bbva_TimeDepositsAndOtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectiveTaxRateTableTextBlock_0cdbb602-9554-492a-ad06-04285b3a24c8_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxRateTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effective tax rate [Table Text Block]</link:label>
    <link:label id="lab_bbva_EffectiveTaxRateTableTextBlock_label_en-US" xlink:label="lab_bbva_EffectiveTaxRateTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective tax rate [Table Text Block]</link:label>
    <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" xml:lang="en-US">Effective tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectiveTaxRateTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_EffectiveTaxRateTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectiveTaxRateTableTextBlock" xlink:to="lab_bbva_EffectiveTaxRateTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InsurancesMember_bcfc2ce4-a083-4626-8b73-7fcc2bdb4957_terseLabel_en-US" xlink:label="lab_bbva_InsurancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurances [Member]</link:label>
    <link:label id="lab_bbva_InsurancesMember_label_en-US" xlink:label="lab_bbva_InsurancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurances [Member]</link:label>
    <link:label id="lab_bbva_InsurancesMember_documentation_en-US" xlink:label="lab_bbva_InsurancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsurancesMember" xlink:href="bbva-20241231.xsd#bbva_InsurancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InsurancesMember" xlink:to="lab_bbva_InsurancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductLineItems_aa2f736e-6d4a-4da8-bb02-df704d425643_terseLabel_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income by type of insurance product [Line Items]</link:label>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductLineItems_label_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income by type of insurance product [Line Items]</link:label>
    <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" xml:lang="en-US">Income by type of insurance product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByTypeOfInsuranceProductLineItems" xlink:href="bbva-20241231.xsd#bbva_IncomeByTypeOfInsuranceProductLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeByTypeOfInsuranceProductLineItems" xlink:to="lab_bbva_IncomeByTypeOfInsuranceProductLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading_9e7f9199-6bbc-4d38-989e-b4bc5a055a29_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Adjustments for decrease (increase) in financial assets held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:to="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubordinatedLiabilitiesMember_e5789f74-427f-4a96-afbe-fe4330acb800_terseLabel_en-US" xlink:label="lab_bbva_SubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubordinatedLiabilitiesMember" xlink:href="bbva-20241231.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_ifrs-full_BuildingsMember_6f386e77-2d20-4f54-a9c6-345d7766b1fc_terseLabel_en-US" xlink:label="lab_ifrs-full_BuildingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Buildings [member]</link:label>
    <link:label id="lab_ifrs-full_BuildingsMember_label_en-US" xlink:label="lab_ifrs-full_BuildingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Buildings [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BuildingsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_BuildingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BuildingsMember" xlink:to="lab_ifrs-full_BuildingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeesForAuditsConductedLineItems_91606979-3a2b-48a5-8ac4-28b7dfc55aaf_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Fees for audits conducted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeesForAuditsConductedLineItems" xlink:href="bbva-20241231.xsd#bbva_FeesForAuditsConductedLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeesForAuditsConductedLineItems" xlink:to="lab_bbva_FeesForAuditsConductedLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RestrictedReserveForRedenominationOfCapitalInEuros_a9a6424c-4110-425e-85ad-e2e3c7d38a05_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReserveForRedenominationOfCapitalInEuros" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_RestrictedReserveForRedenominationOfCapitalInEuros"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RestrictedReserveForRedenominationOfCapitalInEuros" xlink:to="lab_bbva_RestrictedReserveForRedenominationOfCapitalInEuros" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAAPlusRatingMember_1c34861e-ec9d-4b38-81c0-98835ac9ff85_terseLabel_en-US" xlink:label="lab_bbva_BBVAAPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA A plus Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAAPlusRatingMember" xlink:href="bbva-20241231.xsd#bbva_BBVAAPlusRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAAPlusRatingMember" xlink:to="lab_bbva_BBVAAPlusRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_9f5c370a-5154-4254-bcbd-055c53cbb285_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income that will not be reclassified to profit or loss, net of tax</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income that will not be reclassified to profit or loss, net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock_5c99d220-c641-44c6-84fa-a3cb9b2e85d1_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets level 3 Changes in the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 Changes in the year [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 Changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" xlink:to="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MiscellaneousOtherOperatingExpense_dbd2103b-05d6-440a-9933-29dfef8fed37_terseLabel_en-US" xlink:label="lab_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Miscellaneous other operating expense</link:label>
    <link:label id="lab_ifrs-full_MiscellaneousOtherOperatingExpense_label_en-US" xlink:label="lab_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Miscellaneous other operating expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_MiscellaneousOtherOperatingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:to="lab_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherReserves_7e06f1a8-15b0-4c37-a169-2485bbe5ad04_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherReserves" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_CategoriesOfRelatedPartiesAxis_05cf3117-3372-4fd1-9285-cba7789cd1c9_terseLabel_en-US" xlink:label="lab_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_NetTransfersToLevel3_2806380a-45c8-431d-816d-42f3d5ef6fff_terseLabel_en-US" xlink:label="lab_bbva_NetTransfersToLevel3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net transfers to level 3</link:label>
    <link:label id="lab_bbva_NetTransfersToLevel3_label_en-US" xlink:label="lab_bbva_NetTransfersToLevel3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net transfers to level 3</link:label>
    <link:label id="lab_bbva_NetTransfersToLevel3_documentation_en-US" xlink:label="lab_bbva_NetTransfersToLevel3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net transfers to level 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetTransfersToLevel3" xlink:href="bbva-20241231.xsd#bbva_NetTransfersToLevel3"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetTransfersToLevel3" xlink:to="lab_bbva_NetTransfersToLevel3" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CounterpartiesDomain_3c414cb8-7117-430c-9878-352dc3e375aa_terseLabel_en-US" xlink:label="lab_ifrs-full_CounterpartiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparties impaired secured loans [Domain]</link:label>
    <link:label id="lab_ifrs-full_CounterpartiesDomain_label_en-US" xlink:label="lab_ifrs-full_CounterpartiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparties [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CounterpartiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CounterpartiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CounterpartiesDomain" xlink:to="lab_ifrs-full_CounterpartiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock_fa452c15-b4f2-4d49-b833-cc4eae916c44_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location [Table Text Block]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location [Table Text Block]</link:label>
    <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" 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-20241231.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_8e17c63b-8b53-4d25-9afe-bcaf22766c25_terseLabel_en-US" xlink:label="lab_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_RiskAdjustmentsMember_d3be7982-4dd7-4e8a-875b-656810967595_terseLabel_en-US" xlink:label="lab_bbva_RiskAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk adjustments [Member]</link:label>
    <link:label id="lab_bbva_RiskAdjustmentsMember_label_en-US" xlink:label="lab_bbva_RiskAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk adjustments [Member]</link:label>
    <link:label id="lab_bbva_RiskAdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_RiskAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Risk adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RiskAdjustmentsMember" xlink:href="bbva-20241231.xsd#bbva_RiskAdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RiskAdjustmentsMember" xlink:to="lab_bbva_RiskAdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CorrelationRateCredit_aa3eb9ba-30f2-407f-b5d4-c7f7485eb431_terseLabel_en-US" xlink:label="lab_bbva_CorrelationRateCredit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Correlation rate credit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CorrelationRateCredit" xlink:href="bbva-20241231.xsd#bbva_CorrelationRateCredit"/>
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    <link:label id="lab_bbva_EligibleCapitalResourcesLineItems_d782d398-a28d-49b9-aab8-be0742c20250_terseLabel_en-US" xlink:label="lab_bbva_EligibleCapitalResourcesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EligibleCapitalResourcesLineItems" xlink:href="bbva-20241231.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_5dd09237-ff12-4919-a9e4-29fff1a5b83b_terseLabel_en-US" xlink:label="lab_bbva_ShareOfProfitAndLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Share of profit and loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareOfProfitAndLoss" xlink:href="bbva-20241231.xsd#bbva_ShareOfProfitAndLoss"/>
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    <link:label id="lab_bbva_A2025Member_d38d32ff-3e43-412a-9a74-7a0635da8a84_terseLabel_en-US" xlink:label="lab_bbva_A2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025 [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2025Member" xlink:href="bbva-20241231.xsd#bbva_A2025Member"/>
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    <link:label id="lab_ifrs-full_RightofuseAssetsMember_083ec078-2802-4a31-adce-4bb9e29d622d_terseLabel_en-US" xlink:label="lab_ifrs-full_RightofuseAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_AccountingPolicyForBusinessCombinationsPolicyTextBlock_c1ea2852-557d-4e62-b444-075ddd06f208_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accounting policy for business combinations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" xlink:href="bbva-20241231.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_070c9c4d-25b7-4b25-bfae-258a73099355_terseLabel_en-US" xlink:label="lab_bbva_Level1TradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Level 1 tradable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Level1TradableAssetsMember" xlink:href="bbva-20241231.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_90cfcf5d-d713-446d-ae50-d7323f83a9f3_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_3ef64257-7429-4a94-be1e-0f033bcba511_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMUTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMUTable" xlink:href="bbva-20241231.xsd#bbva_LtSCDByLMUTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LtSCDByLMUTable" xlink:to="lab_bbva_LtSCDByLMUTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock_be15ed55-784a-4b21-b776-7ed8f3120057_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policy for recognising difference between fair value at initial recognition and amount determined using valuation technique [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting policy for recognising difference between fair value at initial recognition and amount determined using valuation technique [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accounting policy for recognising difference between fair value at initial recognition and amount determined using valuation technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" xlink:href="bbva-20241231.xsd#bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfOtherOperatingIncomeLineItems_5e24e9a5-c1ae-40cf-84ce-94fd18d824f4_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfOtherOperatingIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Other operating income [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfOtherOperatingIncomeLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfOtherOperatingIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Other operating income [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfOtherOperatingIncomeLineItems" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfOtherOperatingIncomeLineItems"/>
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    <link:label id="lab_bbva_TypeOfIssueLineItems_3e52c9e0-b835-4ee7-ae80-88e55d8e9bc5_terseLabel_en-US" xlink:label="lab_bbva_TypeOfIssueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of Issue [Line Items]</link:label>
    <link:label id="lab_bbva_TypeOfIssueLineItems_label_en-US" xlink:label="lab_bbva_TypeOfIssueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Type of Issue [Line Items]</link:label>
    <link:label id="lab_bbva_TypeOfIssueLineItems_documentation_en-US" xlink:label="lab_bbva_TypeOfIssueLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Type of Issue</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfIssueLineItems" xlink:href="bbva-20241231.xsd#bbva_TypeOfIssueLineItems"/>
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    <link:label id="lab_ifrs-full_CashAndCashEquivalents_c16f8f24-ba4f-4c1c-9a3f-dd65b146718e_terseLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
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    <link:label id="lab_ifrs-full_InflowsOfCashFromInvestingActivities_97b49bff-9fb3-47fa-904b-afba89447bdd_totalLabel_en-US" xlink:label="lab_ifrs-full_InflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Inflows of cash from investing activities</link:label>
    <link:label id="lab_ifrs-full_InflowsOfCashFromInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_InflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inflows of cash from investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InflowsOfCashFromInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InflowsOfCashFromInvestingActivities"/>
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    <link:label id="lab_bbva_TaxLossesMember_34fa9cf0-2b5a-4367-a1ec-502867dffcc3_terseLabel_en-US" xlink:label="lab_bbva_TaxLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax losses [Member]</link:label>
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    <link:label id="lab_bbva_TaxLossesMember_documentation_en-US" xlink:label="lab_bbva_TaxLossesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxLossesMember" xlink:href="bbva-20241231.xsd#bbva_TaxLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxLossesMember" xlink:to="lab_bbva_TaxLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners_afb2a679-e0dc-4c21-b018-8b4831b8c085_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_HedgingDerivativesIneffectivenessMember_c39fbfef-49bf-4b27-9a1e-510f45b20311_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives ineffectiveness [Member]</link:label>
    <link:label id="lab_bbva_HedgingDerivativesIneffectivenessMember_label_en-US" xlink:label="lab_bbva_HedgingDerivativesIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging derivatives ineffectiveness [Member]</link:label>
    <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" xml:lang="en-US">Hedging derivatives ineffectiveness</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesIneffectivenessMember" xlink:href="bbva-20241231.xsd#bbva_HedgingDerivativesIneffectivenessMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesIneffectivenessMember" xlink:to="lab_bbva_HedgingDerivativesIneffectivenessMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember_708fcfc5-ba65-4ed6-bc9d-4aab7693925e_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumption of expected rates of pension increases [member]</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of expected rates of pension increases [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember" xlink:to="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_86c5ddbd-6cfb-45cc-b821-0928a97179f4_terseLabel_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityWellKnownSeasonedIssuer"/>
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    <link:label id="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities_e27d4020-1840-4a1e-ad4e-a5a0c9fd661b_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) recognised in profit or loss on exchange differences, fair value measurement, liabilities</link:label>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities_label_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) recognised in profit or loss on exchange differences, fair value measurement, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities"/>
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    <link:label id="lab_currency_EUR_34986910-5a74-4a7f-99f7-a611fd0652a1_terseLabel_en-US" xlink:label="lab_currency_EUR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Euro Member Countries, Euro</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_currency_EUR" xlink:href="https://xbrl.sec.gov/currency/2024/currency-2024.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_GovernmentAgencyDebtSecuritiesMember_e23089da-e846-4545-99ee-6e2d52b6b73b_terseLabel_en-US" xlink:label="lab_bbva_GovernmentAgencyDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Government agency debt securities [Member]</link:label>
    <link:label id="lab_bbva_GovernmentAgencyDebtSecuritiesMember_label_en-US" xlink:label="lab_bbva_GovernmentAgencyDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Government agency debt securities [Member]</link:label>
    <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" xml:lang="en-US">Government agency debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GovernmentAgencyDebtSecuritiesMember" xlink:href="bbva-20241231.xsd#bbva_GovernmentAgencyDebtSecuritiesMember"/>
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    <link:label id="lab_bbva_HomeInsuranceNonLifeInsuranceContractsMember_1d5d4ca0-9c62-44c5-8ae8-dced934e4838_terseLabel_en-US" xlink:label="lab_bbva_HomeInsuranceNonLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Home insurance non life insurance contracts [Member]</link:label>
    <link:label id="lab_bbva_HomeInsuranceNonLifeInsuranceContractsMember_label_en-US" xlink:label="lab_bbva_HomeInsuranceNonLifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Home insurance non life insurance contracts [Member]</link:label>
    <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" xml:lang="en-US">Home insurance non life insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HomeInsuranceNonLifeInsuranceContractsMember" xlink:href="bbva-20241231.xsd#bbva_HomeInsuranceNonLifeInsuranceContractsMember"/>
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    <link:label id="lab_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems_a3f25dd2-1aa1-4de3-9448-e1282482a191_terseLabel_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_BBVAAMinusRatingMember_e3dc3e99-b1f9-439c-b06c-5942084728e1_terseLabel_en-US" xlink:label="lab_bbva_BBVAAMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">BBVA A Minus Rating [Member]</link:label>
    <link:label id="lab_bbva_BBVAAMinusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVAAMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBVA A Minus Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAAMinusRatingMember" xlink:href="bbva-20241231.xsd#bbva_BBVAAMinusRatingMember"/>
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    <link:label id="lab_bbva_PercentageImpactOnNetInterestIncome_8c9b1816-420a-480f-8bfe-1000b16acac8_terseLabel_en-US" xlink:label="lab_bbva_PercentageImpactOnNetInterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage impact on net interest income</link:label>
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    <link:label id="lab_bbva_PercentageImpactOnNetInterestIncome_documentation_en-US" xlink:label="lab_bbva_PercentageImpactOnNetInterestIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage impact on net interest income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageImpactOnNetInterestIncome" xlink:href="bbva-20241231.xsd#bbva_PercentageImpactOnNetInterestIncome"/>
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    <link:label id="lab_bbva_EquityImpactDomain_91714901-c9a6-4079-9cce-4d97b3ae8288_terseLabel_en-US" xlink:label="lab_bbva_EquityImpactDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityImpactDomain" xlink:href="bbva-20241231.xsd#bbva_EquityImpactDomain"/>
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    <link:label id="lab_ifrs-full_TradeReceivablesMember_25dc7bb1-c7a8-45d4-9257-b6de31613f88_terseLabel_en-US" xlink:label="lab_ifrs-full_TradeReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trade receivables [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TradeReceivablesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TradeReceivablesMember"/>
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    <link:label id="lab_bbva_ImpairmentOfTangibleAssetsChangesInTheYear_8d811741-2670-4db0-bec6-8374db699552_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOfTangibleAssetsChangesInTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment of tangible assets changes in the year</link:label>
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    <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" 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-20241231.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_bbva_ResidentialPropertyMember_2116d6bb-531c-4c75-b418-9ac181c1f825_terseLabel_en-US" xlink:label="lab_bbva_ResidentialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential property [Member]</link:label>
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    <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" xml:lang="en-US">Residential property</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ResidentialPropertyMember" xlink:href="bbva-20241231.xsd#bbva_ResidentialPropertyMember"/>
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    <link:label id="lab_bbva_ExecutiveDirectorsLineItems_222b8734-c970-45b0-9ddd-cb3a57793ca8_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive directors [Line Items]</link:label>
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    <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" xml:lang="en-US">Executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsLineItems" xlink:href="bbva-20241231.xsd#bbva_ExecutiveDirectorsLineItems"/>
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    <link:label id="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember_0ef5844b-382f-4ece-a49e-5ddd9df21f54_terseLabel_en-US" xlink:label="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Present value of defined benefit obligation [member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations_08b16c27-527e-497c-b5bc-7247e6ee9d6f_periodStartLabel_en-US" xlink:label="lab_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Provison for pensions and other post employment obligations</link:label>
    <link:label id="lab_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations_31641139-bb6c-4111-b940-0733afff3861_periodEndLabel_en-US" xlink:label="lab_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Provison for pensions and other post employment obligations</link:label>
    <link:label id="lab_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations_label_en-US" xlink:label="lab_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provison for pensions and other post employment obligations</link:label>
    <link:label id="lab_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations_documentation_en-US" xlink:label="lab_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provison for pensions and other post employment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations" xlink:href="bbva-20241231.xsd#bbva_ProvisonForPensionsAndOtherPostEmploymentObligations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations" xlink:to="lab_bbva_ProvisonForPensionsAndOtherPostEmploymentObligations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear_f7851bf8-6857-43cd-a1b8-60fe589370de_terseLabel_en-US" xlink:label="lab_bbva_TotalLoansAndAdvancesMaturingInMoreThanOneYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites_db742bcd-8884-46a1-8704-1f3726b8fc11_terseLabel_en-US" xlink:label="lab_bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment non current assets classified as held for sale and associated liabilites</link:label>
    <link:label id="lab_bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites_label_en-US" xlink:label="lab_bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment non current assets classified as held for sale and associated liabilites</link:label>
    <link:label id="lab_bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites_documentation_en-US" xlink:label="lab_bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment non current assets classified as held for sale and associated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" xlink:href="bbva-20241231.xsd#bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" xlink:to="lab_bbva_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionsAxis_09e22cf0-1e6f-492d-89c5-f0979649bd80_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Actuarial assumptions [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ActuarialAssumptionsAxis"/>
    <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_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock_62cbb678-d2b8-440d-bbe4-3103be1448c4_terseLabel_en-US" xlink:label="lab_bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_000e2434-f8d3-47db-83dd-ba21abce7358_terseLabel_en-US" xlink:label="lab_bbva_TradingDerivativesHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Trading derivatives hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TradingDerivativesHedgeAccountingMember" xlink:href="bbva-20241231.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_bbva_EstimatedBenefitPaymentsTable_d3083fc2-7db5-410e-a985-3a8dd611b88b_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Estimated benefit payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsTable" xlink:href="bbva-20241231.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_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable_ecaccb87-3c1f-4717-8dc4-8e7de5664506_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Post employment commitments [Table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of net defined benefit liability (asset) [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:to="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BreakdownByCounterpartyAndProductLineItems_6cfe70fb-1d36-469c-a718-a2ef1c7cfafc_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByCounterpartyAndProductLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Breakdown by counterparty and product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownByCounterpartyAndProductLineItems" xlink:href="bbva-20241231.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_bbva_RepoFundingCurve_a50cc657-b7ad-421f-8c10-d49696143de8_terseLabel_en-US" xlink:label="lab_bbva_RepoFundingCurve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Repo funding curve</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RepoFundingCurve" xlink:href="bbva-20241231.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_065f6292-c006-4080-959b-5b80580de7c7_terseLabel_en-US" xlink:label="lab_bbva_RetirementsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Retirements tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetirementsTangibleAssetsMember" xlink:href="bbva-20241231.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_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections_5c2e7153-5d28-400f-a919-c99104e555d2_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount rate applied to cash flow projections</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discount rate applied to cash flow projections</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:to="lab_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalTransferredFinancialAssetsMember_b6fd726d-3be1-48fb-b1f4-c0d9dc5c41e8_terseLabel_en-US" xlink:label="lab_bbva_TotalTransferredFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total transferred financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalTransferredFinancialAssetsMember" xlink:href="bbva-20241231.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_0c6ea2bd-c2c8-418d-9c4e-72317b0399c9_terseLabel_en-US" xlink:label="lab_bbva_CustodySecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Custody securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustodySecurities" xlink:href="bbva-20241231.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_727e4c19-9374-4562-8c35-7413af1b987c_terseLabel_en-US" xlink:label="lab_bbva_DeferredAVRSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred AVR senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAVRSeniorManagementDomain" xlink:href="bbva-20241231.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_ifrs-full_EmployeeBenefitsExpense_f4b78539-741e-463d-b337-c96802328666_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_EmployeeBenefitsExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Employee benefits expense</link:label>
    <link:label id="lab_ifrs-full_EmployeeBenefitsExpense_ec8ed638-0137-4a11-841a-1b33ae785c10_terseLabel_en-US" xlink:label="lab_ifrs-full_EmployeeBenefitsExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_EmployeeBenefitsExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EmployeeBenefitsExpense" xlink:to="lab_ifrs-full_EmployeeBenefitsExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EffectiveTaxRateAxis_68b1b8e8-94fe-45ca-a002-47c70c485433_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxRateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Effective tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectiveTaxRateAxis" xlink:href="bbva-20241231.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_ifrs-full_DepositsFromCustomersAtAmortisedCost_ff7dfb97-185a-4f96-be3e-5ca93bf0f120_terseLabel_en-US" xlink:label="lab_ifrs-full_DepositsFromCustomersAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from customers</link:label>
    <link:label id="lab_ifrs-full_DepositsFromCustomersAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_DepositsFromCustomersAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits from customers at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepositsFromCustomersAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DepositsFromCustomersAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepositsFromCustomersAtAmortisedCost" xlink:to="lab_ifrs-full_DepositsFromCustomersAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2027Member_0e66135d-5e77-4aed-9dff-ee574f3c22d6_terseLabel_en-US" xlink:label="lab_bbva_A2027Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">2027</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2027Member" xlink:href="bbva-20241231.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_FinancialInstrumentsLevel3Domain_f75f3a0a-941c-46a8-b16a-89c5461a1327_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Domain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial instruments level 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsLevel3Domain" xlink:href="bbva-20241231.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_e710a44f-151a-4767-b513-da8aa6c613c5_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesToCustomersMember" xlink:href="bbva-20241231.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_e4d1f2ae-f6cd-4204-87b1-07f7ddf9f819_terseLabel_en-US" xlink:label="lab_bbva_FurnitureFixturesAndVehiclesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Furniture, fixtures and vehicles</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FurnitureFixturesAndVehiclesMember" xlink:href="bbva-20241231.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_bbva_VaRMinInTheYearMember_aabed0f5-0b98-4e3b-9005-cb60ddff5d69_terseLabel_en-US" xlink:label="lab_bbva_VaRMinInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">VaR min in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRMinInTheYearMember" xlink:href="bbva-20241231.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_dei_DocumentFinStmtErrorCorrectionFlag_e6b14cc6-7b98-4f46-9019-2129697e0c4c_terseLabel_en-US" xlink:label="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Financial Statement Error Correction [Flag]</link:label>
    <link:label id="lab_dei_DocumentFinStmtErrorCorrectionFlag_label_en-US" xlink:label="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Financial Statement Error Correction [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFinStmtErrorCorrectionFlag" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFinStmtErrorCorrectionFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFinStmtErrorCorrectionFlag" xlink:to="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_dfd5287c-7844-4fa0-89fe-f71a57c4ed41_totalLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Increase decrease in cash and cash equivalents including companies held for sale</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in cash and cash equivalents after effect of exchange rate changes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncreaseDecreaseInCashAndCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:to="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesByRatingTableTextBlock_9ef3e427-1e8a-4eb6-9d04-8e0afb1534e2_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesByRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Debt securities by rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesByRatingTableTextBlock" xlink:href="bbva-20241231.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_1a02ab45-0522-445d-907a-a45a050b5d6d_terseLabel_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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>
    <link:label id="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock_label_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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>
    <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" 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-20241231.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_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember_4edbc75f-5f08-4f96-8cc0-f57136d9709a_terseLabel_en-US" xlink:label="lab_bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_b50bfc76-6703-40b7-9c26-4d2ce12dc647_terseLabel_en-US" xlink:label="lab_bbva_PeriodTimeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Period time</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PeriodTimeAxis" xlink:href="bbva-20241231.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_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment of investments in joint ventures and associates [Abstract]</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment of investments in joint ventures and associates [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" xlink:href="bbva-20241231.xsd#bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract"/>
    <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_RestrictedReserveForRetiredCapital_3269be22-343d-40b7-8520-6be475370f90_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReserveForRetiredCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Restricted reserve for retired capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestrictedReserveForRetiredCapital" xlink:href="bbva-20241231.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"/>
    <link:label id="lab_bbva_TaxationAtSpanishCorporationTaxRate30PercentMember_9fb2783a-81eb-4f8c-9a53-d44ab84bedf4_terseLabel_en-US" xlink:label="lab_bbva_TaxationAtSpanishCorporationTaxRate30PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Taxation at Spanish corporation tax rate 30 percent [Member]</link:label>
    <link:label id="lab_bbva_TaxationAtSpanishCorporationTaxRate30PercentMember_label_en-US" xlink:label="lab_bbva_TaxationAtSpanishCorporationTaxRate30PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Taxation at Spanish corporation tax rate 30 percent [Member]</link:label>
    <link:label id="lab_bbva_TaxationAtSpanishCorporationTaxRate30PercentMember_documentation_en-US" xlink:label="lab_bbva_TaxationAtSpanishCorporationTaxRate30PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Taxation at Spanish corporation tax rate 30 percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxationAtSpanishCorporationTaxRate30PercentMember" xlink:href="bbva-20241231.xsd#bbva_TaxationAtSpanishCorporationTaxRate30PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxationAtSpanishCorporationTaxRate30PercentMember" xlink:to="lab_bbva_TaxationAtSpanishCorporationTaxRate30PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAPeruGroupMember_309a26a2-52e4-458c-93ae-85660a758965_terseLabel_en-US" xlink:label="lab_bbva_BBVAPeruGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBVA Peru group [Member]</link:label>
    <link:label id="lab_bbva_BBVAPeruGroupMember_label_en-US" xlink:label="lab_bbva_BBVAPeruGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BBVA Peru group [Member]</link:label>
    <link:label id="lab_bbva_BBVAPeruGroupMember_documentation_en-US" xlink:label="lab_bbva_BBVAPeruGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBVA Peru group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAPeruGroupMember" xlink:href="bbva-20241231.xsd#bbva_BBVAPeruGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAPeruGroupMember" xlink:to="lab_bbva_BBVAPeruGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock_1f1a8844-9d65-4331-9565-2b090fdc4a2c_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policy for Transfers and derecognition of financial assets and liabilities [Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting policy for Transfers and derecognition of financial assets and liabilities [Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accounting policy for Transfers and derecognition of financial assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" xlink:href="bbva-20241231.xsd#bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" xlink:to="lab_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain_7e773aa9-b243-4d25-a8e6-ea280e06dc63_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets and liabilities held for trading debt securities [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain_label_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets and liabilities held for trading debt securities [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets and liabilities held for trading debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain"/>
    <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"/>
    <link:label id="lab_bbva_ActuarialAssumptionsPercentageTable_ab4af5ed-84f1-4fd3-8e91-25713da0f76e_terseLabel_en-US" xlink:label="lab_bbva_ActuarialAssumptionsPercentageTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumptions percentage [Table]</link:label>
    <link:label id="lab_bbva_ActuarialAssumptionsPercentageTable_label_en-US" xlink:label="lab_bbva_ActuarialAssumptionsPercentageTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumptions percentage [Table]</link:label>
    <link:label id="lab_bbva_ActuarialAssumptionsPercentageTable_documentation_en-US" xlink:label="lab_bbva_ActuarialAssumptionsPercentageTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Actuarial assumptions percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ActuarialAssumptionsPercentageTable" xlink:href="bbva-20241231.xsd#bbva_ActuarialAssumptionsPercentageTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ActuarialAssumptionsPercentageTable" xlink:to="lab_bbva_ActuarialAssumptionsPercentageTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialMember_fb41e628-4ed2-42f9-809b-07c0c1562cd7_terseLabel_en-US" xlink:label="lab_bbva_FinancialMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial [Member]</link:label>
    <link:label id="lab_bbva_FinancialMember_label_en-US" xlink:label="lab_bbva_FinancialMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial [Member]</link:label>
    <link:label id="lab_bbva_FinancialMember_documentation_en-US" xlink:label="lab_bbva_FinancialMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialMember" xlink:href="bbva-20241231.xsd#bbva_FinancialMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialMember" xlink:to="lab_bbva_FinancialMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2028Member_f21ed61c-30cb-4416-8010-10eac1c31059_terseLabel_en-US" xlink:label="lab_bbva_A2028Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028 [Member]</link:label>
    <link:label id="lab_bbva_A2028Member_label_en-US" xlink:label="lab_bbva_A2028Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2028 [Member]</link:label>
    <link:label id="lab_bbva_A2028Member_documentation_en-US" xlink:label="lab_bbva_A2028Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2028Member" xlink:href="bbva-20241231.xsd#bbva_A2028Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2028Member" xlink:to="lab_bbva_A2028Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember_ec96b737-a90d-4c8f-96c8-c0a8e6781b79_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities government bonds in listed markets [Member]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember_label_en-US" xlink:label="lab_bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt securities government bonds in listed markets [Member]</link:label>
    <link:label id="lab_bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember_documentation_en-US" xlink:label="lab_bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt securities government bonds in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember" xlink:href="bbva-20241231.xsd#bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember" xlink:to="lab_bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuredFinancialInstrumentsDomain_bdf3bac5-40b9-44a9-917a-29cbd951efe7_terseLabel_en-US" xlink:label="lab_bbva_SecuredFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured financial instruments [Domain]</link:label>
    <link:label id="lab_bbva_SecuredFinancialInstrumentsDomain_label_en-US" xlink:label="lab_bbva_SecuredFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured financial instruments [Domain]</link:label>
    <link:label id="lab_bbva_SecuredFinancialInstrumentsDomain_documentation_en-US" xlink:label="lab_bbva_SecuredFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Secured financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredFinancialInstrumentsDomain" xlink:href="bbva-20241231.xsd#bbva_SecuredFinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuredFinancialInstrumentsDomain" xlink:to="lab_bbva_SecuredFinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY_1089f25a-7325-4d2d-af04-7d1d28a11dec_terseLabel_en-US" xlink:label="lab_bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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 EY</link:label>
    <link:label id="lab_bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY_label_en-US" xlink:label="lab_bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">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 EY</link:label>
    <link:label id="lab_bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY_documentation_en-US" xlink:label="lab_bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">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 EY</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" xlink:href="bbva-20241231.xsd#bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" xlink:to="lab_bbva_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact_eb131691-0c37-480d-9c7e-176b9f9e23dc_terseLabel_en-US" xlink:label="lab_bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other personnel expense consolidated income statement impact</link:label>
    <link:label id="lab_bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact_label_en-US" xlink:label="lab_bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other personnel expense consolidated income statement impact</link:label>
    <link:label id="lab_bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact_documentation_en-US" xlink:label="lab_bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other personnel expense consolidated income statement impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact" xlink:href="bbva-20241231.xsd#bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact" xlink:to="lab_bbva_OtherPersonnelExpenseConsolidatedIncomeStatementImpact" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember_2074990f-da7d-4ecb-a510-f171c2a62b70_terseLabel_en-US" xlink:label="lab_bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Qualifying tier 2 capital included in consolidated T2 capital issued by subsidiaries and held by third parties [Member]</link:label>
    <link:label id="lab_bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember_label_en-US" xlink:label="lab_bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Qualifying tier 2 capital included in consolidated T2 capital issued by subsidiaries and held by third parties [Member]</link:label>
    <link:label id="lab_bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember_documentation_en-US" xlink:label="lab_bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Qualifying tier 2 capital included in consolidated T2 capital issued by subsidiaries and held by third parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:href="bbva-20241231.xsd#bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:to="lab_bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock_72f2d8b3-8f69-455e-b309-110bbe358676_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty [Table Text Block]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty [Table Text Block]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" xlink:to="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementsBorrarMember_67ddddd7-d367-47ca-81b8-437da8546895_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementsBorrarMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reverse repurchase agreements [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementsBorrarMember_label_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementsBorrarMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse repurchase agreements borrar [Member]</link:label>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementsBorrarMember_documentation_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementsBorrarMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reverse repurchase agreements borrar</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReverseRepurchaseAgreementsBorrarMember" xlink:href="bbva-20241231.xsd#bbva_ReverseRepurchaseAgreementsBorrarMember"/>
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    <link:label id="lab_bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions_d7b080b1-c8d1-4277-9e14-c14c4387587c_terseLabel_en-US" xlink:label="lab_bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount used and other variations of provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions_label_en-US" xlink:label="lab_bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amount used and other variations of provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions_documentation_en-US" xlink:label="lab_bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount used and other variations of provisions for taxes legal contingents and other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:href="bbva-20241231.xsd#bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:to="lab_bbva_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignDebtSecuritiesMember_846940c8-1ee3-4929-a73b-f6b0a9b1de1b_terseLabel_en-US" xlink:label="lab_bbva_ForeignDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign debt securities [Member]</link:label>
    <link:label id="lab_bbva_ForeignDebtSecuritiesMember_label_en-US" xlink:label="lab_bbva_ForeignDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign debt securities [Member]</link:label>
    <link:label id="lab_bbva_ForeignDebtSecuritiesMember_documentation_en-US" xlink:label="lab_bbva_ForeignDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreign debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignDebtSecuritiesMember" xlink:href="bbva-20241231.xsd#bbva_ForeignDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignDebtSecuritiesMember" xlink:to="lab_bbva_ForeignDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems_5678fdb4-e45b-4445-a1b8-1fa1792503cb_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument [Line Items]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems_label_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument [Line Items]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems_documentation_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" xlink:href="bbva-20241231.xsd#bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" xlink:to="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherOperatingExpense_ef7b29c6-15ee-4d8b-a546-e32bef0f7f07_terseLabel_en-US" xlink:label="lab_bbva_OtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating expense</link:label>
    <link:label id="lab_bbva_OtherOperatingExpense_label_en-US" xlink:label="lab_bbva_OtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other operating expense</link:label>
    <link:label id="lab_bbva_OtherOperatingExpense_documentation_en-US" xlink:label="lab_bbva_OtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other operating expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherOperatingExpense" xlink:href="bbva-20241231.xsd#bbva_OtherOperatingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherOperatingExpense" xlink:to="lab_bbva_OtherOperatingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalMaximumCreditRiskExposuresMember_f22e3fcf-b130-412a-8886-1dca0e1bdbb3_terseLabel_en-US" xlink:label="lab_bbva_TotalMaximumCreditRiskExposuresMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total maximum credit risk exposures [Member]</link:label>
    <link:label id="lab_bbva_TotalMaximumCreditRiskExposuresMember_label_en-US" xlink:label="lab_bbva_TotalMaximumCreditRiskExposuresMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total maximum credit risk exposures [Member]</link:label>
    <link:label id="lab_bbva_TotalMaximumCreditRiskExposuresMember_documentation_en-US" xlink:label="lab_bbva_TotalMaximumCreditRiskExposuresMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total maximum credit risk exposures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalMaximumCreditRiskExposuresMember" xlink:href="bbva-20241231.xsd#bbva_TotalMaximumCreditRiskExposuresMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalMaximumCreditRiskExposuresMember" xlink:to="lab_bbva_TotalMaximumCreditRiskExposuresMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_8ca4d9be-b29a-4001-a160-08e629450d0d_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Cash flows used in obtaining control of subsidiaries or other businesses, classified as investing activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows used in obtaining control of subsidiaries or other businesses, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities"/>
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    <link:label id="lab_ifrs-full_TopOfRangeMember_4bacdc08-c99d-4c09-b1b0-ab351e1729d3_terseLabel_en-US" xlink:label="lab_ifrs-full_TopOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_InterestRateMember_fd3125ce-3710-4c35-8671-8cd66eed6b99_terseLabel_en-US" xlink:label="lab_bbva_InterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate [Member]</link:label>
    <link:label id="lab_bbva_InterestRateMember_label_en-US" xlink:label="lab_bbva_InterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest rate [Member]</link:label>
    <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" xml:lang="en-US">Interest rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestRateMember" xlink:href="bbva-20241231.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_9a15eb9f-5045-479c-864c-955b56bcbc5a_terseLabel_en-US" xlink:label="lab_bbva_IssuanceOfOtherEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Issuance of other equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuanceOfOtherEquityInstruments" xlink:href="bbva-20241231.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_ifrs-full_PurchaseOfTreasuryShares_6398a944-b78d-491c-ae51-e3ae2ca4e265_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfTreasuryShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_PaidUpCapital_3531c7a6-3c6f-4cf3-9d6b-a852b3bbab2e_terseLabel_en-US" xlink:label="lab_bbva_PaidUpCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Paid up capital</link:label>
    <link:label id="lab_bbva_PaidUpCapital_label_en-US" xlink:label="lab_bbva_PaidUpCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Paid up capital</link:label>
    <link:label id="lab_bbva_PaidUpCapital_documentation_en-US" xlink:label="lab_bbva_PaidUpCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Paid up capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PaidUpCapital" xlink:href="bbva-20241231.xsd#bbva_PaidUpCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PaidUpCapital" xlink:to="lab_bbva_PaidUpCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset_1292560f-da11-4a43-8d32-736f83ae9d3a_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock_5c504fae-2ac5-4f4f-bfc6-986bbe94abed_terseLabel_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss_1ed03f90-336b-426b-a51f-b8e7114a85da_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives. Cash flow hedges effective portion</link:label>
    <link:label id="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging derivatives cash flow hedges effective portion that may be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hedging derivatives cash flow hedges effective portion that may be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherAssets_d3eab864-4dcc-49e7-82f6-a26d4bc96d79_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_ifrs-full_OtherAssets_2a45158c-ad81-48de-a8c4-a32e98379a9b_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <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" xml:lang="en-US">Other assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherAssets" xlink:to="lab_ifrs-full_OtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConceptAxis_1161c41c-4523-45d6-b791-fa7501a05b4b_terseLabel_en-US" xlink:label="lab_bbva_ConceptAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Concept</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConceptAxis" xlink:href="bbva-20241231.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_0dbb8b7c-ee65-4408-a156-8b457bea5a0f_terseLabel_en-US" xlink:label="lab_bbva_DeferredShareRemunerationSystemTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred share remuneration system</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredShareRemunerationSystemTable" xlink:href="bbva-20241231.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_45f8f7b0-ebd4-4b79-af51-93dd511b9012_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_DepositsSourcesOfEncumbranceMember_547f7bcf-a3eb-40ed-b7cf-f78888dad062_terseLabel_en-US" xlink:label="lab_bbva_DepositsSourcesOfEncumbranceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits sources of encumbrance</link:label>
    <link:label id="lab_bbva_DepositsSourcesOfEncumbranceMember_label_en-US" xlink:label="lab_bbva_DepositsSourcesOfEncumbranceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits sources of encumbrance [Member]</link:label>
    <link:label id="lab_bbva_DepositsSourcesOfEncumbranceMember_documentation_en-US" xlink:label="lab_bbva_DepositsSourcesOfEncumbranceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits sources of encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsSourcesOfEncumbranceMember" xlink:href="bbva-20241231.xsd#bbva_DepositsSourcesOfEncumbranceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsSourcesOfEncumbranceMember" xlink:to="lab_bbva_DepositsSourcesOfEncumbranceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain_b1091030-dc72-4752-afda-94407e6f526d_terseLabel_en-US" xlink:label="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation techniques used in fair value measurement [Domain]</link:label>
    <link:label id="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain_label_en-US" xlink:label="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation techniques used in fair value measurement [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:to="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Dec30ToJun31Member_a193ceed-e254-40a3-bb33-4b3920735bda_terseLabel_en-US" xlink:label="lab_bbva_Dec30ToJun31Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dec-30 to Jun-31 [Member]</link:label>
    <link:label id="lab_bbva_Dec30ToJun31Member_label_en-US" xlink:label="lab_bbva_Dec30ToJun31Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dec-30 to Jun-31 [Member]</link:label>
    <link:label id="lab_bbva_Dec30ToJun31Member_documentation_en-US" xlink:label="lab_bbva_Dec30ToJun31Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Dec-30 to Jun-31</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Dec30ToJun31Member" xlink:href="bbva-20241231.xsd#bbva_Dec30ToJun31Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Dec30ToJun31Member" xlink:to="lab_bbva_Dec30ToJun31Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member_15dc9d68-0ce4-4be9-a955-09946a7c0f87_terseLabel_en-US" xlink:label="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_3814980c-2e13-4187-897d-8f041360c0fc_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitPlansEquityImpactMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Defined benefit plans equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitPlansEquityImpactMember" xlink:href="bbva-20241231.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_54dbda13-cf36-4a53-bb13-bb5a8d6e4866_terseLabel_en-US" xlink:label="lab_bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_A1125FixedRateSeniorNotesDue2023Member_9eb58e65-0ca5-443e-87a4-97656d6c5944_terseLabel_en-US" xlink:label="lab_bbva_A1125FixedRateSeniorNotesDue2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">A1125 Fixed Rate Senior Notes Due2023 [Member]</link:label>
    <link:label id="lab_bbva_A1125FixedRateSeniorNotesDue2023Member_label_en-US" xlink:label="lab_bbva_A1125FixedRateSeniorNotesDue2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">A1125 Fixed Rate Senior Notes Due2023 [Member]</link:label>
    <link:label id="lab_bbva_A1125FixedRateSeniorNotesDue2023Member_documentation_en-US" xlink:label="lab_bbva_A1125FixedRateSeniorNotesDue2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A1125 Fixed Rate Senior Notes Due2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A1125FixedRateSeniorNotesDue2023Member" xlink:href="bbva-20241231.xsd#bbva_A1125FixedRateSeniorNotesDue2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A1125FixedRateSeniorNotesDue2023Member" xlink:to="lab_bbva_A1125FixedRateSeniorNotesDue2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualFixedRemunerationLineItems_ef35e703-4207-4486-b802-5a4a805f180f_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationLineItems_label_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration [Line Items]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationLineItems_documentation_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationLineItems" xlink:href="bbva-20241231.xsd#bbva_AnnualFixedRemunerationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualFixedRemunerationLineItems" xlink:to="lab_bbva_AnnualFixedRemunerationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember_37b7c5d9-9d69-4a27-964e-0a62b94a1751_terseLabel_en-US" xlink:label="lab_bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revenues with lower tax rate dividends capital gains [Member]</link:label>
    <link:label id="lab_bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember_label_en-US" xlink:label="lab_bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenues with lower tax rate dividends capital gains [Member]</link:label>
    <link:label id="lab_bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember_documentation_en-US" xlink:label="lab_bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Revenues with lower tax rate dividends capital gains</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember" xlink:href="bbva-20241231.xsd#bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember" xlink:to="lab_bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_6f1b552c-4c24-4382-bd2c-73312de4d751_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_MinorityInterestAxis_e0e3d131-ba33-46d2-95e9-3a7c72a89d5e_terseLabel_en-US" xlink:label="lab_bbva_MinorityInterestAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minority interest [Axis]</link:label>
    <link:label id="lab_bbva_MinorityInterestAxis_label_en-US" xlink:label="lab_bbva_MinorityInterestAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minority interest [Axis]</link:label>
    <link:label id="lab_bbva_MinorityInterestAxis_documentation_en-US" xlink:label="lab_bbva_MinorityInterestAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Minority interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MinorityInterestAxis" xlink:href="bbva-20241231.xsd#bbva_MinorityInterestAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MinorityInterestAxis" xlink:to="lab_bbva_MinorityInterestAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialInstitutionsMember_e98533ef-ad0f-43ec-9ce7-ddc998cb4554_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial institutions [Member]</link:label>
    <link:label id="lab_bbva_OtherFinancialInstitutionsMember_label_en-US" xlink:label="lab_bbva_OtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other financial institutions [Member]</link:label>
    <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" xml:lang="en-US">Other financial institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialInstitutionsMember" xlink:href="bbva-20241231.xsd#bbva_OtherFinancialInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialInstitutionsMember" xlink:to="lab_bbva_OtherFinancialInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable_73d563e5-4a46-4f8f-903b-094a78ea431c_terseLabel_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Probability of default of loans and advances to customers [Table]</link:label>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable_label_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Probability of default of loans and advances to customers [Table]</link:label>
    <link:label id="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable_documentation_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Probability of default of loans and advances to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" xlink:href="bbva-20241231.xsd#bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" xlink:to="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions_c2687d06-993d-4eaa-b3ed-98ff33d5fd68_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Income And Other Similar Interests Related Party Transactions</link:label>
    <link:label id="lab_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions_label_en-US" xlink:label="lab_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income And Other Similar Interests Related Party Transactions</link:label>
    <link:label id="lab_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions_documentation_en-US" xlink:label="lab_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Income And Other Similar Interests Related Party Transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" xlink:href="bbva-20241231.xsd#bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" xlink:to="lab_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GroupInsuranceMember_c2772b3f-0acc-4ed4-b893-fac66aa5bdeb_terseLabel_en-US" xlink:label="lab_bbva_GroupInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Group insurance [Member]</link:label>
    <link:label id="lab_bbva_GroupInsuranceMember_label_en-US" xlink:label="lab_bbva_GroupInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Group insurance [Member]</link:label>
    <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" xml:lang="en-US">Group insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GroupInsuranceMember" xlink:href="bbva-20241231.xsd#bbva_GroupInsuranceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GroupInsuranceMember" xlink:to="lab_bbva_GroupInsuranceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherLongTermEmployeesBenefits_8527a85e-455e-4fb1-810f-205ad27b4ca9_terseLabel_en-US" xlink:label="lab_bbva_OtherLongTermEmployeesBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other long term employees benefits</link:label>
    <link:label id="lab_bbva_OtherLongTermEmployeesBenefits_label_en-US" xlink:label="lab_bbva_OtherLongTermEmployeesBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other long term employees benefits</link:label>
    <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" xml:lang="en-US">Other long term employees benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLongTermEmployeesBenefits" xlink:href="bbva-20241231.xsd#bbva_OtherLongTermEmployeesBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherLongTermEmployeesBenefits" xlink:to="lab_bbva_OtherLongTermEmployeesBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsTable_4e46d5c6-205d-4129-9b56-accbe4e5023d_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Plan assets breakdown [Table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of fair value of plan assets [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFairValueOfPlanAssetsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfFairValueOfPlanAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFairValueOfPlanAssetsTable" xlink:to="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductTableTextBlock_2149eb8f-9d2d-4182-8553-062c1e4a2434_terseLabel_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income by type of insurance product [Table Text Block]</link:label>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductTableTextBlock_label_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income by type of insurance product [Table Text Block]</link:label>
    <link:label id="lab_bbva_IncomeByTypeOfInsuranceProductTableTextBlock_documentation_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Income by type of insurance product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByTypeOfInsuranceProductTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_IncomeByTypeOfInsuranceProductTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeByTypeOfInsuranceProductTableTextBlock" xlink:to="lab_bbva_IncomeByTypeOfInsuranceProductTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill_b3dc3892-1b55-440f-a25b-5c009327372d_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amortisation, intangible assets other than goodwill</link:label>
    <link:label id="lab_ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortisation, intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill" xlink:to="lab_ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherTradableAssetsMember_362ccd30-52a5-45ca-8abc-603f9a05fea3_terseLabel_en-US" xlink:label="lab_bbva_OtherTradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other tradable assets [Member]</link:label>
    <link:label id="lab_bbva_OtherTradableAssetsMember_label_en-US" xlink:label="lab_bbva_OtherTradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other tradable assets [Member]</link:label>
    <link:label id="lab_bbva_OtherTradableAssetsMember_documentation_en-US" xlink:label="lab_bbva_OtherTradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other tradable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherTradableAssetsMember" xlink:href="bbva-20241231.xsd#bbva_OtherTradableAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherTradableAssetsMember" xlink:to="lab_bbva_OtherTradableAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MethodologicalChangesAndAdoptionOfNewStandards_d32e366c-327f-41af-811d-e2f00ad37136_terseLabel_en-US" xlink:label="lab_bbva_MethodologicalChangesAndAdoptionOfNewStandards" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Methodological changes and adoption of new standards</link:label>
    <link:label id="lab_bbva_MethodologicalChangesAndAdoptionOfNewStandards_label_en-US" xlink:label="lab_bbva_MethodologicalChangesAndAdoptionOfNewStandards" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Methodological changes and adoption of new standards</link:label>
    <link:label id="lab_bbva_MethodologicalChangesAndAdoptionOfNewStandards_documentation_en-US" xlink:label="lab_bbva_MethodologicalChangesAndAdoptionOfNewStandards" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Methodological changes and adoption of new standards</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MethodologicalChangesAndAdoptionOfNewStandards" xlink:href="bbva-20241231.xsd#bbva_MethodologicalChangesAndAdoptionOfNewStandards"/>
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    <link:label id="lab_bbva_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract_04c65276-cbb2-409b-be59-55c2bdb5ad86_terseLabel_en-US" xlink:label="lab_bbva_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Principles Of Consoldiation, Acounting policies and measurement bases applied and recent IFRS pronouncements [Abstract]</link:label>
    <link:label id="lab_bbva_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract_label_en-US" xlink:label="lab_bbva_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Principles Of Consoldiation, Acounting policies and measurement bases applied and recent IFRS pronouncements [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract" xlink:href="bbva-20241231.xsd#bbva_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract"/>
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    <link:label id="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets_63797c26-c790-4e8c-aa25-635d976d394d_terseLabel_en-US" xlink:label="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment tangible assets</link:label>
    <link:label id="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets_label_en-US" xlink:label="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reversal of impairment loss recognised in profit or loss, property, plant and equipment including right-of-use assets</link:label>
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    <link:label id="lab_bbva_ListOfGroupAndSubsidiariesAxis_b63e2d59-8dcc-4db6-9a2f-2491a3901c7b_terseLabel_en-US" xlink:label="lab_bbva_ListOfGroupAndSubsidiariesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">List of group and subsidiaries [Axis]</link:label>
    <link:label id="lab_bbva_ListOfGroupAndSubsidiariesAxis_label_en-US" xlink:label="lab_bbva_ListOfGroupAndSubsidiariesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">List of group and subsidiaries [Axis]</link:label>
    <link:label id="lab_bbva_ListOfGroupAndSubsidiariesAxis_documentation_en-US" xlink:label="lab_bbva_ListOfGroupAndSubsidiariesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">List of group and subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ListOfGroupAndSubsidiariesAxis" xlink:href="bbva-20241231.xsd#bbva_ListOfGroupAndSubsidiariesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ListOfGroupAndSubsidiariesAxis" xlink:to="lab_bbva_ListOfGroupAndSubsidiariesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdditionalRecognitionGoodwill_67f22ad2-1a10-415e-8f61-d1f645f4ee47_terseLabel_en-US" xlink:label="lab_ifrs-full_AdditionalRecognitionGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_AnnualVariableRemunerationSeniorManagementDomain_897ce280-72f7-4005-976f-b5e096d4ce06_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual variable remuneration senior management [Domain]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementDomain_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual variable remuneration senior management [Domain]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementDomain_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual variable remuneration senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationSeniorManagementDomain" xlink:href="bbva-20241231.xsd#bbva_AnnualVariableRemunerationSeniorManagementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationSeniorManagementDomain" xlink:to="lab_bbva_AnnualVariableRemunerationSeniorManagementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LifetimeExpectedCreditLossesMember_d7a7b947-91c1-47fa-8954-bdae9c1a6995_terseLabel_en-US" xlink:label="lab_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subject to lifetime ECL [Member]</link:label>
    <link:label id="lab_ifrs-full_LifetimeExpectedCreditLossesMember_label_en-US" xlink:label="lab_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lifetime expected credit losses [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LifetimeExpectedCreditLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:to="lab_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_3b46c941-091d-43d8-9086-79588ac713a2_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember_4fca477c-e347-4d92-86cb-8bc897a767e3_terseLabel_en-US" xlink:label="lab_bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of which bank account in BBVA plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember_label_en-US" xlink:label="lab_bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Of which bank account in BBVA plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember_documentation_en-US" xlink:label="lab_bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Of which bank account in BBVA plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" xlink:href="bbva-20241231.xsd#bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" xlink:to="lab_bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember_a9359433-3e70-40e0-9dea-b8026d4a5768_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Later than one month and not later than three months [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:to="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis_573b09ab-05a3-4245-a7b2-7c2b6502a5e1_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax effect of foreign tax rates reconciliation [Axis]</link:label>
    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis_label_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax effect of foreign tax rates reconciliation [Axis]</link:label>
    <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" 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-20241231.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_3c38d27c-43de-4b24-900d-0ccb4b4f1fdc_terseLabel_en-US" xlink:label="lab_bbva_RestOfBusinessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Rest of business</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestOfBusinessMember" xlink:href="bbva-20241231.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_PeruBBVAMember_65581a4f-2605-4520-86c1-bcdb8f6e9ebd_terseLabel_en-US" xlink:label="lab_bbva_PeruBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Peru BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PeruBBVAMember" xlink:href="bbva-20241231.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_76858707-4abe-46a6-a461-a18280e54af4_terseLabel_en-US" xlink:label="lab_bbva_TotalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalMember" xlink:href="bbva-20241231.xsd#bbva_TotalMember"/>
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    <link:label id="lab_bbva_InterimDividendsApplicationOfResults_7082ac98-268a-4ec0-9df1-3111c32d618e_terseLabel_en-US" xlink:label="lab_bbva_InterimDividendsApplicationOfResults" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interim dividends application of results</link:label>
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    <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" xml:lang="en-US">Interim dividends application of results</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterimDividendsApplicationOfResults" xlink:href="bbva-20241231.xsd#bbva_InterimDividendsApplicationOfResults"/>
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    <link:label id="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup_62551ed4-536c-4c9b-ad01-4693cdaaa696_terseLabel_en-US" xlink:label="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_dei_DocumentPeriodEndDate_3bd18139-f31d-40c2-bf48-9a304a015673_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain_79620301-7793-44b6-876a-055f6cf885da_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_BreakdownByUGEsDomain_4d7bdce6-5776-4df8-b4a3-510e744e1e76_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByUGEsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Breakdown by UGEs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownByUGEsDomain" xlink:href="bbva-20241231.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_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities_869f1a5d-33ac-44bf-a062-1a528b1fa73a_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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>
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    <link:label id="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock_bafefe5e-a8fe-4b41-be43-f792a27b5ba2_terseLabel_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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>
    <link:label id="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock_label_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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>
    <link:label id="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock_documentation_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non trading financial assets at fair value through profit or loss mandatorily measured at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" xlink:to="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsCommitmentsAndGuaranteesGiven_d99ea8f5-5735-4842-8675-ae964a244d8d_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsCommitmentsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Provisions commitments and guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsCommitmentsAndGuaranteesGiven" xlink:href="bbva-20241231.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_ifrs-full_AdjustmentsForSharebasedPayments_64ea1248-c4f7-4c2b-9c61-56105c6e81ed_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForSharebasedPayments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments for share-based payments</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForSharebasedPayments_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForSharebasedPayments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for share-based payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForSharebasedPayments" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdjustmentsForSharebasedPayments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForSharebasedPayments" xlink:to="lab_ifrs-full_AdjustmentsForSharebasedPayments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis_01c4517a-2853-4eb6-bf5b-5c75efddd664_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of financial instruments sources of encumbrance [Axis]</link:label>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis_label_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of financial instruments sources of encumbrance [Axis]</link:label>
    <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" 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-20241231.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_99f836ea-2409-4085-acec-f8a6946d128b_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_BookValueOfFinancialLiabilitiesMember_bd348a55-766f-4dc4-9446-6dbb6cf17f3a_terseLabel_en-US" xlink:label="lab_bbva_BookValueOfFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Book value of financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BookValueOfFinancialLiabilitiesMember" xlink:href="bbva-20241231.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_bbva_SeniorManagementTotalAnnualFixedRemuneration_8d3499da-2099-4e16-b35a-0fb2080cdaa8_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementTotalAnnualFixedRemuneration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_3db92e55-59eb-4c53-bcb4-b2313113f86c_terseLabel_en-US" xlink:label="lab_bbva_RemunerationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Remuneration Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationCommitteeMember" xlink:href="bbva-20241231.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_f6aafb03-b8a3-43a8-8800-af8cce425942_terseLabel_en-US" xlink:label="lab_bbva_ExpectedShortfall" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Expected shortfall</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExpectedShortfall" xlink:href="bbva-20241231.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_A3MonthEuriborRate45BasisPointsMember_662f1d85-1f47-4932-827e-0d28f9a38f37_terseLabel_en-US" xlink:label="lab_bbva_A3MonthEuriborRate45BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">3 month Euribor rate + 45 basis points [Member]</link:label>
    <link:label id="lab_bbva_A3MonthEuriborRate45BasisPointsMember_label_en-US" xlink:label="lab_bbva_A3MonthEuriborRate45BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">3 month Euribor rate + 45 basis points [Member]</link:label>
    <link:label id="lab_bbva_A3MonthEuriborRate45BasisPointsMember_documentation_en-US" xlink:label="lab_bbva_A3MonthEuriborRate45BasisPointsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">3 month Euribor rate + 45 basis points</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A3MonthEuriborRate45BasisPointsMember" xlink:href="bbva-20241231.xsd#bbva_A3MonthEuriborRate45BasisPointsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A3MonthEuriborRate45BasisPointsMember" xlink:to="lab_bbva_A3MonthEuriborRate45BasisPointsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CustomerDepositsByCountryDomain_a0b06f5d-2fe5-4abb-9951-663f2407822b_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Customer deposits by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustomerDepositsByCountryDomain" xlink:href="bbva-20241231.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_902846b4-2dc2-4f2f-92ec-59863dfd4269_terseLabel_en-US" xlink:label="lab_bbva_OtherOperatingIncomeExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other Operating Income Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherOperatingIncomeExpenseAbstract" xlink:href="bbva-20241231.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_e864fe01-b4f0-48eb-8395-03eb3dcaa273_terseLabel_en-US" xlink:label="lab_bbva_NegativeScenarioTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Negative scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NegativeScenarioTable" xlink:href="bbva-20241231.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_a2d10889-bf90-47af-b8ee-8e0f59da50a8_terseLabel_en-US" xlink:label="lab_bbva_SecuredTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Secured tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredTaxAssetsMember" xlink:href="bbva-20241231.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_IssuedCapitalAbstract_9c55d0db-4078-4588-ad0a-788757621e93_terseLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issued capital [abstract]</link:label>
    <link:label id="lab_ifrs-full_IssuedCapitalAbstract_label_en-US" xlink:label="lab_ifrs-full_IssuedCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issued capital [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IssuedCapitalAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IssuedCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IssuedCapitalAbstract" xlink:to="lab_ifrs-full_IssuedCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComprehensiveIncome_3d50d0ea-087a-4a57-be6a-dbedc3ee2aed_totalLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Comprehensive income</link:label>
    <link:label id="lab_ifrs-full_ComprehensiveIncome_8d36835e-9d53-44ed-906f-2131c1ba8532_terseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComprehensiveIncome" xlink:to="lab_ifrs-full_ComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasuryStockAmortizationFromFinancingActivities_bd44b538-90ab-4f40-a92f-5c10e692dc56_terseLabel_en-US" xlink:label="lab_bbva_TreasuryStockAmortizationFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock amortization from financing activities</link:label>
    <link:label id="lab_bbva_TreasuryStockAmortizationFromFinancingActivities_label_en-US" xlink:label="lab_bbva_TreasuryStockAmortizationFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury stock amortization from financing activities</link:label>
    <link:label id="lab_bbva_TreasuryStockAmortizationFromFinancingActivities_documentation_en-US" xlink:label="lab_bbva_TreasuryStockAmortizationFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury stock amortization from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasuryStockAmortizationFromFinancingActivities" xlink:href="bbva-20241231.xsd#bbva_TreasuryStockAmortizationFromFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasuryStockAmortizationFromFinancingActivities" xlink:to="lab_bbva_TreasuryStockAmortizationFromFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueRiskMember_bb64cdc9-5e53-470b-9bf8-b7af5f5b68a3_terseLabel_en-US" xlink:label="lab_bbva_FairValueRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Fair value risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueRiskMember" xlink:href="bbva-20241231.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_595f7fe2-1590-4186-b92d-b0420fe4dc33_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_1e1d28f9-518a-4096-8f88-0b406279eaf7_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsOtherItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other assets other items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsOtherItems" xlink:href="bbva-20241231.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_dei_DocumentTransitionReport_76afd238-4e52-446d-ae12-2455836c14b5_terseLabel_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:label id="lab_dei_DocumentTransitionReport_label_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentTransitionReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentTransitionReport" xlink:to="lab_dei_DocumentTransitionReport" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TechnologyAndSystems_758660a0-112f-4a60-8689-3d2894b433cd_terseLabel_en-US" xlink:label="lab_bbva_TechnologyAndSystems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Technology and systems</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TechnologyAndSystems" xlink:href="bbva-20241231.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_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_ff099761-1080-42aa-b554-ba8de8b6f956_totalLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_9b618ff9-65ae-4a5d-bc20-824e75aac275_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_43251001-6bc0-4941-8333-808176053251_periodStartLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates reported in separate financial statements</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_29464e54-4aa0-41db-813c-8a48039cd140_periodEndLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates reported in separate financial statements</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" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates reported in separate financial statements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates"/>
    <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_PercentageOfDebtSecuritiesByRating_0f21b022-0833-4657-b2e1-974841249a83_terseLabel_en-US" xlink:label="lab_bbva_PercentageOfDebtSecuritiesByRating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_PercentageOfDebtSecuritiesByRating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PercentageOfDebtSecuritiesByRating" xlink:to="lab_bbva_PercentageOfDebtSecuritiesByRating" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuredTaxAssetsTableTextBlock_df5a1fc8-1e55-4b41-bf8a-4a133252f2ae_terseLabel_en-US" xlink:label="lab_bbva_SecuredTaxAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Secured tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredTaxAssetsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_SecuredTaxAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuredTaxAssetsTableTextBlock" xlink:to="lab_bbva_SecuredTaxAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossFromDiscontinuedOperations_c65f7b8e-bad5-4d1e-96c8-337461960d19_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) from discontinued operations</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss) from discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ProfitLossFromDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:to="lab_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseForeclosedAssets_51883c36-7f29-4c54-8ff0-07850e91895d_terseLabel_en-US" xlink:label="lab_bbva_DecreaseForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Decrease foreclosed assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseForeclosedAssets" xlink:href="bbva-20241231.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_fcdea090-5fa9-4c38-9e29-05aa84fc2754_terseLabel_en-US" xlink:label="lab_bbva_NationalSecurity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">National security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NationalSecurity" xlink:href="bbva-20241231.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_fa9d96a1-6e93-4955-a1f6-1e0e3145a3ee_terseLabel_en-US" xlink:label="lab_bbva_ComparablePricingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Comparable pricing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ComparablePricingMember" xlink:href="bbva-20241231.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_HedgingDerivativesCashFlowHedgesEffectivePortion_68a7aa39-2332-429a-a57a-b1cba56dfcc7_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives. Cash flow hedges effective portion</link:label>
    <link:label id="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion_label_en-US" xlink:label="lab_bbva_HedgingDerivativesCashFlowHedgesEffectivePortion" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging derivatives. Cash flow hedges effective portion</link:label>
    <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" 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-20241231.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_BBVAARatingMember_d2e75077-08ec-4e6f-9c17-d4f67b347e88_terseLabel_en-US" xlink:label="lab_bbva_BBVAARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA A Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAARatingMember" xlink:href="bbva-20241231.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_90013337-c95e-4403-bf4f-ce327b9aa16b_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of tax assets and liabilities [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of tax assets and liabilities [Text Block]</link:label>
    <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" 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-20241231.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_NetInterimAttributableProfitMember_75686daf-0c0d-42bd-afed-98c75e14ba7d_terseLabel_en-US" xlink:label="lab_bbva_NetInterimAttributableProfitMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Net interim attributable profit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetInterimAttributableProfitMember" xlink:href="bbva-20241231.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_a1c8daf9-47d9-4fc0-ac3a-81374f6464bb_terseLabel_en-US" xlink:label="lab_bbva_EffectOnChangesInForeignExchangeRatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations_28f3b6fa-324e-4759-9e85-3be173c133f6_terseLabel_en-US" xlink:label="lab_bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications hedge of net investments in foreign operations</link:label>
    <link:label id="lab_bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations_label_en-US" xlink:label="lab_bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other reclassifications hedge of net investments in foreign operations</link:label>
    <link:label id="lab_bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations_documentation_en-US" xlink:label="lab_bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other reclassifications hedge of net investments in foreign operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" xlink:href="bbva-20241231.xsd#bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" xlink:to="lab_bbva_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet_9ec9e1b9-e2cb-470d-bb3b-be097eb647fd_terseLabel_en-US" xlink:label="lab_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Of which net defined net assets on the consolidated balance sheet</link:label>
    <link:label id="lab_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet_documentation_en-US" xlink:label="lab_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Of which net defined net assets on the consolidated balance sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" xlink:href="bbva-20241231.xsd#bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" xlink:to="lab_bbva_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CounterpartiesAxis_7c71b4de-e3fc-4b2d-b95a-19ca834117b6_terseLabel_en-US" xlink:label="lab_ifrs-full_CounterpartiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparties impaired secured loans [Axis]</link:label>
    <link:label id="lab_ifrs-full_CounterpartiesAxis_label_en-US" xlink:label="lab_ifrs-full_CounterpartiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparties [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CounterpartiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CounterpartiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CounterpartiesAxis" xlink:to="lab_ifrs-full_CounterpartiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CarlosSalazarLomelnMember_fba2a24c-e9b7-43af-99ea-c699e48995a2_terseLabel_en-US" xlink:label="lab_bbva_CarlosSalazarLomelnMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carlos Salazar Lomel&#237;n [Member]</link:label>
    <link:label id="lab_bbva_CarlosSalazarLomelnMember_label_en-US" xlink:label="lab_bbva_CarlosSalazarLomelnMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Carlos Salazar Lomel&#237;n [Member]</link:label>
    <link:label id="lab_bbva_CarlosSalazarLomelnMember_documentation_en-US" xlink:label="lab_bbva_CarlosSalazarLomelnMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Carlos Salazar Lomel&#237;n</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CarlosSalazarLomelnMember" xlink:href="bbva-20241231.xsd#bbva_CarlosSalazarLomelnMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CarlosSalazarLomelnMember" xlink:to="lab_bbva_CarlosSalazarLomelnMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualFixedRemunerationTable_ffc5d1c2-bba5-4ac8-b2ac-152c29e17656_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration [Table]</link:label>
    <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" 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" xml:lang="en-US">Annual fixed remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationTable" xlink:href="bbva-20241231.xsd#bbva_AnnualFixedRemunerationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualFixedRemunerationTable" xlink:to="lab_bbva_AnnualFixedRemunerationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashFlowHedgesIneffectivenessMember_dc8e04e4-8fee-48b4-ac9f-5590262cce80_terseLabel_en-US" xlink:label="lab_bbva_CashFlowHedgesIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedges ineffectiveness [Member]</link:label>
    <link:label id="lab_bbva_CashFlowHedgesIneffectivenessMember_label_en-US" xlink:label="lab_bbva_CashFlowHedgesIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flow hedges ineffectiveness [Member]</link:label>
    <link:label id="lab_bbva_CashFlowHedgesIneffectivenessMember_documentation_en-US" xlink:label="lab_bbva_CashFlowHedgesIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash flow hedges ineffectiveness</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashFlowHedgesIneffectivenessMember" xlink:href="bbva-20241231.xsd#bbva_CashFlowHedgesIneffectivenessMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashFlowHedgesIneffectivenessMember" xlink:to="lab_bbva_CashFlowHedgesIneffectivenessMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetLiabilityAssetMember_251fd9a6-c6f6-4c76-8b35-4b99676cb0d3_terseLabel_en-US" xlink:label="lab_bbva_NetLiabilityAssetMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Net liability asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetLiabilityAssetMember" xlink:href="bbva-20241231.xsd#bbva_NetLiabilityAssetMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetLiabilityAssetMember" xlink:to="lab_bbva_NetLiabilityAssetMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReportsRelatedToIssuances_edf6f42a-3db7-41b6-b4d5-734757bbcd17_terseLabel_en-US" xlink:label="lab_bbva_ReportsRelatedToIssuances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reports related to issuances</link:label>
    <link:label id="lab_bbva_ReportsRelatedToIssuances_label_en-US" xlink:label="lab_bbva_ReportsRelatedToIssuances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reports related to issuances</link:label>
    <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" xml:lang="en-US">Reports related to issuances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReportsRelatedToIssuances" xlink:href="bbva-20241231.xsd#bbva_ReportsRelatedToIssuances"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReportsRelatedToIssuances" xlink:to="lab_bbva_ReportsRelatedToIssuances" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ContributionToGuaranteedBanksDepositsFunds_6194aaa0-1a7a-4fe6-8662-3cf9391f293f_terseLabel_en-US" xlink:label="lab_bbva_ContributionToGuaranteedBanksDepositsFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contribution To Guaranteed Banks Deposits Funds</link:label>
    <link:label id="lab_bbva_ContributionToGuaranteedBanksDepositsFunds_label_en-US" xlink:label="lab_bbva_ContributionToGuaranteedBanksDepositsFunds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contribution To Guaranteed Banks Deposits Funds</link:label>
    <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" xml:lang="en-US">Contribution To Guaranteed Banks Deposits Funds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ContributionToGuaranteedBanksDepositsFunds" xlink:href="bbva-20241231.xsd#bbva_ContributionToGuaranteedBanksDepositsFunds"/>
    <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_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax_644947cf-60ac-4a11-a51a-44fdc927a430_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups held for sale that will not be reclassified to profit or loss net of tax</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups held for sale that will not be reclassified to profit or loss net of tax</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups held for sale that will not be reclassified to profit or loss net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:href="bbva-20241231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeeAndCommissionExpenseRelatedPartyTransactions_9377ed08-7e14-4b52-99eb-537f850bf714_terseLabel_en-US" xlink:label="lab_bbva_FeeAndCommissionExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fee And Commission Expense Related Party Transactions</link:label>
    <link:label id="lab_bbva_FeeAndCommissionExpenseRelatedPartyTransactions_label_en-US" xlink:label="lab_bbva_FeeAndCommissionExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee And Commission Expense Related Party Transactions</link:label>
    <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" 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-20241231.xsd#bbva_FeeAndCommissionExpenseRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeeAndCommissionExpenseRelatedPartyTransactions" xlink:to="lab_bbva_FeeAndCommissionExpenseRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesHeldForTrading_d28daf51-1ff7-450a-b8b1-81f2c05cf43a_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesHeldForTrading" xlink:href="bbva-20241231.xsd#bbva_FinancialLiabilitiesHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesHeldForTrading" xlink:to="lab_bbva_FinancialLiabilitiesHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaRByRiskFactorAxis_f5d216da-e5b6-47f3-9a6c-3eebb46e2615_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactorAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">VaR by risk factor [Axis]</link:label>
    <link:label id="lab_bbva_VaRByRiskFactorAxis_label_en-US" xlink:label="lab_bbva_VaRByRiskFactorAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">VaR by risk factor [Axis]</link:label>
    <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" xml:lang="en-US">VaR by risk factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRByRiskFactorAxis" xlink:href="bbva-20241231.xsd#bbva_VaRByRiskFactorAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaRByRiskFactorAxis" xlink:to="lab_bbva_VaRByRiskFactorAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HeadingsOfAssetsDomain_d35d9289-866d-4e3b-9d25-18779d520bdf_terseLabel_en-US" xlink:label="lab_bbva_HeadingsOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Headings of assets [Domain]</link:label>
    <link:label id="lab_bbva_HeadingsOfAssetsDomain_label_en-US" xlink:label="lab_bbva_HeadingsOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Headings of assets [Domain]</link:label>
    <link:label id="lab_bbva_HeadingsOfAssetsDomain_documentation_en-US" xlink:label="lab_bbva_HeadingsOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Headings of assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HeadingsOfAssetsDomain" xlink:href="bbva-20241231.xsd#bbva_HeadingsOfAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HeadingsOfAssetsDomain" xlink:to="lab_bbva_HeadingsOfAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommitmentsAndGuaranteesGiven_50f3da22-9d9f-4fc8-9bc6-b1d84fc3c31b_terseLabel_en-US" xlink:label="lab_bbva_CommitmentsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments And Guarantees Given</link:label>
    <link:label id="lab_bbva_CommitmentsAndGuaranteesGiven_label_en-US" xlink:label="lab_bbva_CommitmentsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments And Guarantees Given</link:label>
    <link:label id="lab_bbva_CommitmentsAndGuaranteesGiven_documentation_en-US" xlink:label="lab_bbva_CommitmentsAndGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Commitments And Guarantees Given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommitmentsAndGuaranteesGiven" xlink:href="bbva-20241231.xsd#bbva_CommitmentsAndGuaranteesGiven"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommitmentsAndGuaranteesGiven" xlink:to="lab_bbva_CommitmentsAndGuaranteesGiven" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock_04d7b2d2-4a42-4155-a75c-b945b1b1cd98_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Retained Earnings And Other Reserves [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Retained Earnings And Other Reserves [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of Retained Earnings And Other Reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock" xlink:to="lab_bbva_DisclosureOfRetainedEarningsAndOtherReservesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock_445d2c0d-ae46-4e95-89b2-299a79b8e953_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of consolidated statements of cash flows [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of consolidated statements of cash flows [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of consolidated statements of cash flows</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" xlink:to="lab_bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis_21e5dc5c-6885-45cd-936d-5489aa281104_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets held for managing liquidity risk LMU types [Axis]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis_label_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets held for managing liquidity risk LMU types [Axis]</link:label>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis_documentation_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" xlink:to="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExpenseArisingFromInsuranceContracts_3e7dc35a-f46f-4f2a-b111-9f0cda2e425a_negatedTerseLabel_en-US" xlink:label="lab_bbva_ExpenseArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Expense arising from insurance contracts</link:label>
    <link:label id="lab_bbva_ExpenseArisingFromInsuranceContracts_label_en-US" xlink:label="lab_bbva_ExpenseArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expense arising from insurance contracts</link:label>
    <link:label id="lab_bbva_ExpenseArisingFromInsuranceContracts_documentation_en-US" xlink:label="lab_bbva_ExpenseArisingFromInsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of expense arising from insurance contracts. [Refer: Types of insurance contracts [member]]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExpenseArisingFromInsuranceContracts" xlink:href="bbva-20241231.xsd#bbva_ExpenseArisingFromInsuranceContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExpenseArisingFromInsuranceContracts" xlink:to="lab_bbva_ExpenseArisingFromInsuranceContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable_a4cb1d54-cf8e-4034-8f27-6b295be6d808_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances maturing in more than one year by interest rate [Table]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances maturing in more than one year by interest rate [Table]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and advances maturing in more than one year by interest rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" xlink:href="bbva-20241231.xsd#bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" xlink:to="lab_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgedItemFairValueIneffectivenessMember_7c0730c9-fba4-47d5-b2cd-1307f01a4ac2_terseLabel_en-US" xlink:label="lab_bbva_HedgedItemFairValueIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedged item fair value ineffectiveness [Member]</link:label>
    <link:label id="lab_bbva_HedgedItemFairValueIneffectivenessMember_label_en-US" xlink:label="lab_bbva_HedgedItemFairValueIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged item fair value ineffectiveness [Member]</link:label>
    <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" xml:lang="en-US">Hedged item fair value ineffectiveness</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgedItemFairValueIneffectivenessMember" xlink:href="bbva-20241231.xsd#bbva_HedgedItemFairValueIneffectivenessMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgedItemFairValueIneffectivenessMember" xlink:to="lab_bbva_HedgedItemFairValueIneffectivenessMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherJointVenturesMember_25f6a2ff-a55c-40a8-8434-77f00a520e0e_terseLabel_en-US" xlink:label="lab_bbva_OtherJointVenturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other joint ventures [Member]</link:label>
    <link:label id="lab_bbva_OtherJointVenturesMember_label_en-US" xlink:label="lab_bbva_OtherJointVenturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other joint ventures [Member]</link:label>
    <link:label id="lab_bbva_OtherJointVenturesMember_documentation_en-US" xlink:label="lab_bbva_OtherJointVenturesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other joint ventures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherJointVenturesMember" xlink:href="bbva-20241231.xsd#bbva_OtherJointVenturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherJointVenturesMember" xlink:to="lab_bbva_OtherJointVenturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfEarningsPerShareExplanatory_6436c3d6-d899-431e-9a53-cfc09581fb85_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfEarningsPerShareExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of earnings per share [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfEarningsPerShareExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfEarningsPerShareExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of earnings per share [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfEarningsPerShareExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfEarningsPerShareExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfEarningsPerShareExplanatory" xlink:to="lab_ifrs-full_DisclosureOfEarningsPerShareExplanatory" 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" xml:lang="en-US">Statement of changes in equity [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfChangesInEquityAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_StatementOfChangesInEquityAbstract"/>
    <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_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember_d6675c28-716f-440b-91ec-88b124a41c86_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumption of medical cost trend rates [member]</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of medical cost trend rates [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember" xlink:to="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LeverageRatioLineItems_dd017b49-3458-49ef-af09-1096fff19e4e_terseLabel_en-US" xlink:label="lab_bbva_LeverageRatioLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leverage ratio [Line Items]</link:label>
    <link:label id="lab_bbva_LeverageRatioLineItems_label_en-US" xlink:label="lab_bbva_LeverageRatioLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Leverage ratio [Line Items]</link:label>
    <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" xml:lang="en-US">Leverage ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LeverageRatioLineItems" xlink:href="bbva-20241231.xsd#bbva_LeverageRatioLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LeverageRatioLineItems" xlink:to="lab_bbva_LeverageRatioLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitPlanAssets_fc9f5567-a93e-4148-904d-406bb896a54f_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitPlanAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Medical benefit plan assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitPlanAssets" xlink:href="bbva-20241231.xsd#bbva_MedicalBenefitPlanAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MedicalBenefitPlanAssets" xlink:to="lab_bbva_MedicalBenefitPlanAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain_7f5c1ad3-8925-45cd-bf2b-012dde4b91b2_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of Financial Assets And Liabilities Breakdown By Financial Instrument [Domain]</link:label>
    <link:label id="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain_label_en-US" xlink:label="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of Financial Assets And Liabilities Breakdown By Financial Instrument [Domain]</link:label>
    <link:label id="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain_documentation_en-US" xlink:label="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" xlink:href="bbva-20241231.xsd#bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" xlink:to="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_country_VE_aee41d66-c318-41f4-920b-eeba47bb09da_terseLabel_en-US" xlink:label="lab_country_VE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">VENEZUELA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_VE" xlink:href="https://xbrl.sec.gov/country/2024/country-2024.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_EffectiveTaxRateLineItems_7eca27e8-22f4-447e-a82e-d168fba30830_terseLabel_en-US" xlink:label="lab_bbva_EffectiveTaxRateLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effective tax rate [Line Items]</link:label>
    <link:label id="lab_bbva_EffectiveTaxRateLineItems_label_en-US" xlink:label="lab_bbva_EffectiveTaxRateLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective tax rate [Line Items]</link:label>
    <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" xml:lang="en-US">Effective tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EffectiveTaxRateLineItems" xlink:href="bbva-20241231.xsd#bbva_EffectiveTaxRateLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EffectiveTaxRateLineItems" xlink:to="lab_bbva_EffectiveTaxRateLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PlanAssetsBreakdownDomain_179d0e5e-2bc6-4b1f-a55b-2f498d10962b_terseLabel_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PlanAssetsBreakdownDomain" xlink:href="bbva-20241231.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_A4.875Member_2a7cf5e5-4c79-40a8-ade2-e26e0fca7e5e_terseLabel_en-US" xlink:label="lab_bbva_A4.875Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">4.875% [Member]</link:label>
    <link:label id="lab_bbva_A4.875Member_label_en-US" xlink:label="lab_bbva_A4.875Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">4.875% [Member]</link:label>
    <link:label id="lab_bbva_A4.875Member_documentation_en-US" xlink:label="lab_bbva_A4.875Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">4.875%</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A4.875Member" xlink:href="bbva-20241231.xsd#bbva_A4.875Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A4.875Member" xlink:to="lab_bbva_A4.875Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill_95b85a22-4d41-41df-be6f-ac9c3d00c212_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_TaxAssets_c962b281-f52f-4d77-9037-42c4778643d1_totalLabel_en-US" xlink:label="lab_bbva_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Tax assets</link:label>
    <link:label id="lab_bbva_TaxAssets_03d359d0-4878-464b-965d-32fefe3df04b_terseLabel_en-US" xlink:label="lab_bbva_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxAssets" xlink:href="bbva-20241231.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_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent_c519dad3-a5a3-46f1-81a4-decadff80fd4_terseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_FinancialAssetsLiquidityRisk_c4d0ba76-22cf-4560-b397-72d1b1b10f38_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial assets liquidity risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLiquidityRisk" xlink:href="bbva-20241231.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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss_079743df-3237-46fc-86c1-ec8801c7f69a_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_EarlyRetirementExpense_3947f094-c4eb-4d60-96a8-9ec29831a9a5_terseLabel_en-US" xlink:label="lab_bbva_EarlyRetirementExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Early Retirement Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EarlyRetirementExpense" xlink:href="bbva-20241231.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_ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis_73205752-f4ca-404e-afa6-8fc21ca80560_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity instruments [Axis]</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis_label_en-US" xlink:label="lab_ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in equity instruments designated at fair value through other comprehensive income [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis" xlink:to="lab_ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SoniaDulaMember_d38488c2-d77b-40d6-b178-d5bf1d9cdd0f_terseLabel_en-US" xlink:label="lab_bbva_SoniaDulaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sonia Dul&#225; [Member]</link:label>
    <link:label id="lab_bbva_SoniaDulaMember_label_en-US" xlink:label="lab_bbva_SoniaDulaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sonia Dul&#225; [Member]</link:label>
    <link:label id="lab_bbva_SoniaDulaMember_documentation_en-US" xlink:label="lab_bbva_SoniaDulaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sonia Dul&#225;</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SoniaDulaMember" xlink:href="bbva-20241231.xsd#bbva_SoniaDulaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SoniaDulaMember" xlink:to="lab_bbva_SoniaDulaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EarningsPerShareLineItems_0864e186-80c4-4492-b0ac-745e5fd59737_terseLabel_en-US" xlink:label="lab_ifrs-full_EarningsPerShareLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic and diluted earnings per share [Line Items]</link:label>
    <link:label id="lab_ifrs-full_EarningsPerShareLineItems_label_en-US" xlink:label="lab_ifrs-full_EarningsPerShareLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings per share [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EarningsPerShareLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_EarningsPerShareLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EarningsPerShareLineItems" xlink:to="lab_ifrs-full_EarningsPerShareLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorManagementDeathAndDisability_92512a38-36c4-47ab-b711-dcc0038fbb05_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementDeathAndDisability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Senior management death and disability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementDeathAndDisability" xlink:href="bbva-20241231.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_OfficeEquipmentMember_9315388d-2ba9-44db-aee3-2f3b1b23c37b_terseLabel_en-US" xlink:label="lab_ifrs-full_OfficeEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_AdjustmentsForIncreaseDecreaseInOtherLiabilities_a39d3beb-eb45-406c-8b73-b7c93337a509_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments for increase (decrease) in other liabilities</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for increase (decrease) in other liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:to="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock_63429d5d-8792-4348-9f5e-44e54736b937_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_SourcesOfEncumbranceTable_ad1c0d24-c08f-40e4-80b2-2c36a67b0ac4_terseLabel_en-US" xlink:label="lab_bbva_SourcesOfEncumbranceTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Sources of encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SourcesOfEncumbranceTable" xlink:href="bbva-20241231.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_ifrs-full_InsuranceContractsIssuedThatAreLiabilities_fe2f795d-21db-4fc3-9f1c-38c88f92775d_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts issued that are liabilities</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities_1dd49789-e0a4-4f7b-9bf9-40ebf81b9d03_periodStartLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts issued that are liabilities</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities_296e091c-8e25-4872-9c45-e2da1dee4870_periodEndLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_FinancialAssetsAtFairValueByLevelsLineItems_cee6b59d-b80e-4948-8a15-b53e55039adf_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_74209424-3dd5-49ac-8839-3373deefd2cd_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Customer deposits by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustomerDepositsByCountryAxis" xlink:href="bbva-20241231.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" xml:lang="en-US">Share premium [Abstract]</link:label>
    <link:label id="lab_bbva_SharePremiumAbstract_documentation_en-US" xlink:label="lab_bbva_SharePremiumAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share premium [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SharePremiumAbstract" xlink:href="bbva-20241231.xsd#bbva_SharePremiumAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SharePremiumAbstract" xlink:to="lab_bbva_SharePremiumAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AuditorsRemunerationAbstract_0ac77c15-fe11-48f7-a76a-b17b90673ada_terseLabel_en-US" xlink:label="lab_ifrs-full_AuditorsRemunerationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor's remuneration [abstract]</link:label>
    <link:label id="lab_ifrs-full_AuditorsRemunerationAbstract_label_en-US" xlink:label="lab_ifrs-full_AuditorsRemunerationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor's remuneration [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AuditorsRemunerationAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany_c99250ba-ee85-46d9-9a2c-7a8c18a13343_terseLabel_en-US" xlink:label="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total retained earnings revaluation reserves and other reserves breakdown by company</link:label>
    <link:label id="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany_label_en-US" xlink:label="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total retained earnings revaluation reserves and other reserves breakdown by company</link:label>
    <link:label id="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany_documentation_en-US" xlink:label="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total retained earnings revaluation reserves and other reserves breakdown by company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" xlink:href="bbva-20241231.xsd#bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" xlink:to="lab_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PastServiceCostMember_60d1ef3b-138c-4b39-9ef1-c2d4776f1b18_terseLabel_en-US" xlink:label="lab_bbva_PastServiceCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Past service cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PastServiceCostMember" xlink:href="bbva-20241231.xsd#bbva_PastServiceCostMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PastServiceCostMember" xlink:to="lab_bbva_PastServiceCostMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxAsssetsAndLiabilitiesAxis_b070d66e-f007-4bfd-8aba-fb9e7a150916_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxAsssetsAndLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax asssets and liabilities [Axis]</link:label>
    <link:label id="lab_bbva_DeferredTaxAsssetsAndLiabilitiesAxis_label_en-US" xlink:label="lab_bbva_DeferredTaxAsssetsAndLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred tax asssets and liabilities [Axis]</link:label>
    <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" xml:lang="en-US">Deferred tax asssets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxAsssetsAndLiabilitiesAxis" xlink:href="bbva-20241231.xsd#bbva_DeferredTaxAsssetsAndLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredTaxAsssetsAndLiabilitiesAxis" xlink:to="lab_bbva_DeferredTaxAsssetsAndLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_country_US_3d19b358-c28a-44bb-9f26-ccc7ef678330_terseLabel_en-US" xlink:label="lab_country_US" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/country-2024.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_RelatedPartiesOfSeniorManagementMember_39ad74b0-237e-49e4-b1a0-222f921a3325_terseLabel_en-US" xlink:label="lab_bbva_RelatedPartiesOfSeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Related parties of senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RelatedPartiesOfSeniorManagementMember" xlink:href="bbva-20241231.xsd#bbva_RelatedPartiesOfSeniorManagementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RelatedPartiesOfSeniorManagementMember" xlink:to="lab_bbva_RelatedPartiesOfSeniorManagementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock_2ba9ffc0-b6b4-42c8-a7a7-4269f1b2a3f4_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionsDomain_6e06836d-2620-44ad-98d1-2faf61d8665d_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumptions [Domain]</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionsDomain_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumptions [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ActuarialAssumptionsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionsDomain" xlink:to="lab_ifrs-full_ActuarialAssumptionsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome_9619fd8d-ef4a-4a79-aa19-4d46518ff985_terseLabel_en-US" xlink:label="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_CoveredBonsMember_125ef75e-c2b6-41dc-a458-9115f06cab17_terseLabel_en-US" xlink:label="lab_bbva_CoveredBonsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Covered bons</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CoveredBonsMember" xlink:href="bbva-20241231.xsd#bbva_CoveredBonsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CoveredBonsMember" xlink:to="lab_bbva_CoveredBonsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsByGroupingSubsidiariesAxis_7ca8d1de-c717-455c-8f35-e3b0337b811c_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsByGroupingSubsidiariesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets by grouping subsidiaries [Axis]</link:label>
    <link:label id="lab_bbva_TangibleAssetsByGroupingSubsidiariesAxis_label_en-US" xlink:label="lab_bbva_TangibleAssetsByGroupingSubsidiariesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tangible assets by grouping subsidiaries [Axis]</link:label>
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    <link:label id="lab_bbva_LourdesMaizCarroMember_d2072d96-f5ca-4646-a649-2698b6bbf597_terseLabel_en-US" xlink:label="lab_bbva_LourdesMaizCarroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lourdes Maiz Carro [Member]</link:label>
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    <link:label id="lab_ifrs-full_LoansAndReceivablesCategoryMember_2004f003-ecc7-4b0f-997b-7741198440b7_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndReceivablesCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoansAndReceivablesCategoryMember"/>
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    <link:label id="lab_bbva_ShortPositionsMember_cf6912a3-ec9c-4ddb-98b0-d21c9c105c63_terseLabel_en-US" xlink:label="lab_bbva_ShortPositionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short positions [Member]</link:label>
    <link:label id="lab_bbva_ShortPositionsMember_label_en-US" xlink:label="lab_bbva_ShortPositionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short positions [Member]</link:label>
    <link:label id="lab_bbva_ShortPositionsMember_documentation_en-US" xlink:label="lab_bbva_ShortPositionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Short positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShortPositionsMember" xlink:href="bbva-20241231.xsd#bbva_ShortPositionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShortPositionsMember" xlink:to="lab_bbva_ShortPositionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IntangibleAssetsAndGoodwill_11dcb1c8-da63-426e-8c0b-9c85efda7eca_totalLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Intangible assets and goodwill</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsAndGoodwill_label_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible assets and goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IntangibleAssetsAndGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IntangibleAssetsAndGoodwill"/>
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    <link:label id="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems_46dfe3e2-a4b7-418e-bd37-7ed3c78f944d_terseLabel_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non trading financial assets at fair value through profit or loss mandatorily measured at fair value [Line Items]</link:label>
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    <link:label id="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems_documentation_en-US" xlink:label="lab_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non trading financial assets at fair value through profit or loss mandatorily measured at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems" xlink:href="bbva-20241231.xsd#bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems"/>
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    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_d042e434-b55f-4885-92a9-4261aedf487b_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_127fe155-4629-4ec6-96c4-aa278180d56a_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition"/>
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    <link:label id="lab_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection_3912e0be-f351-4651-a954-4d06e7f6347d_terseLabel_en-US" xlink:label="lab_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Conditional bills and other securities received for collection</link:label>
    <link:label id="lab_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection_label_en-US" xlink:label="lab_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Conditional bills and other securities received for collection</link:label>
    <link:label id="lab_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection_documentation_en-US" xlink:label="lab_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Conditional bills and other securities received for collection</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection" xlink:href="bbva-20241231.xsd#bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection" xlink:to="lab_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NSFRMainLMULineItems_eea1e350-afcb-440b-808c-8863f57c5829_terseLabel_en-US" xlink:label="lab_bbva_NSFRMainLMULineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NSFR main LMU [Line Items]</link:label>
    <link:label id="lab_bbva_NSFRMainLMULineItems_label_en-US" xlink:label="lab_bbva_NSFRMainLMULineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NSFR main LMU [Line Items]</link:label>
    <link:label id="lab_bbva_NSFRMainLMULineItems_documentation_en-US" xlink:label="lab_bbva_NSFRMainLMULineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">NSFR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NSFRMainLMULineItems" xlink:href="bbva-20241231.xsd#bbva_NSFRMainLMULineItems"/>
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    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis_50100a9e-e416-440a-8664-b03942249418_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis potential impact [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis_label_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis potential impact [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis potential impact</link:label>
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    <link:label id="lab_country_TR_556b304c-b70e-4896-89a4-d8f5d33570a0_terseLabel_en-US" xlink:label="lab_country_TR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TURKEY</link:label>
    <link:label id="lab_country_TR_label_en-US" xlink:label="lab_country_TR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">T&#220;RKIYE</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_TR" xlink:href="https://xbrl.sec.gov/country/2024/country-2024.xsd#country_TR"/>
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    <link:label id="lab_bbva_MaximumCreditRiskExposureByCountriesAxis_46d6ea7d-88bb-423d-851b-0ffa1389e860_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureByCountriesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum credit risk exposure by countries [Axis]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureByCountriesAxis_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureByCountriesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum credit risk exposure by countries [Axis]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureByCountriesAxis_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureByCountriesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum credit risk exposure by countries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureByCountriesAxis" xlink:href="bbva-20241231.xsd#bbva_MaximumCreditRiskExposureByCountriesAxis"/>
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    <link:label id="lab_bbva_A5862FixedRateSeniorNonPreferredNotesDue2026Member_6bd873d8-527e-44bd-af0a-6b2822ea0120_terseLabel_en-US" xlink:label="lab_bbva_A5862FixedRateSeniorNonPreferredNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">A5862 Fixed Rate Senior Non-Preferred Notes Due 2026 [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_A5862FixedRateSeniorNonPreferredNotesDue2026Member" xlink:href="bbva-20241231.xsd#bbva_A5862FixedRateSeniorNonPreferredNotesDue2026Member"/>
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    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock_915c54c5-d43e-43c6-9f93-dc29d1285c28_terseLabel_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remuneration For Non Executive Directors Explanatory [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock"/>
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    <link:label id="lab_bbva_SecuritizedLoansTableTextBlock_b482f2d8-d806-429b-ad51-836a946a9b63_terseLabel_en-US" xlink:label="lab_bbva_SecuritizedLoansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitized loans [Table Text Block]</link:label>
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    <link:label id="lab_bbva_SecuritizedLoansTableTextBlock_documentation_en-US" xlink:label="lab_bbva_SecuritizedLoansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securitized loans</link:label>
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    <link:label id="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems_0a1fae57-045f-4bf0-a88b-628b17614eec_terseLabel_en-US" xlink:label="lab_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance and reinsurance contracts in income and expense [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems" xlink:href="bbva-20241231.xsd#bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems"/>
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    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of Impairment or reversal of impairment of investments in joint ventures and associates</link:label>
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    <link:label id="lab_bbva_FromChangesInFinancialAssumptionsMember_documentation_en-US" xlink:label="lab_bbva_FromChangesInFinancialAssumptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From changes in financial assumptions</link:label>
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    <link:label id="lab_bbva_DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" xlink:to="lab_bbva_DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves_f225a122-484a-4fa5-9949-1fe567209a33_terseLabel_en-US" xlink:label="lab_bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subtotal retained earnings or losses and revaluation reserves</link:label>
    <link:label id="lab_bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves_label_en-US" xlink:label="lab_bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subtotal retained earnings or losses and revaluation reserves</link:label>
    <link:label id="lab_bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves_documentation_en-US" xlink:label="lab_bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subtotal retained earnings or losses and revaluation reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves" xlink:href="bbva-20241231.xsd#bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves"/>
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    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost_805fd36d-fc71-4b9d-8649-682db57d433a_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortized cost operating activities</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for increase (decrease) in financial liabilities measured at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:to="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2026Member_c0a6820b-0cd6-4f93-83d8-5e813316c339_terseLabel_en-US" xlink:label="lab_bbva_A2026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026 [Member]</link:label>
    <link:label id="lab_bbva_A2026Member_label_en-US" xlink:label="lab_bbva_A2026Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2026 [Member]</link:label>
    <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" xml:lang="en-US">2026</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2026Member" xlink:href="bbva-20241231.xsd#bbva_A2026Member"/>
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    <link:label id="lab_bbva_OtherFinancialLiabilitiesTable_b50c1820-0059-4c61-bbcb-195c11c79f6c_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial liabilities [Table]</link:label>
    <link:label id="lab_bbva_OtherFinancialLiabilitiesTable_label_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other financial liabilities [Table]</link:label>
    <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" xml:lang="en-US">Other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesTable" xlink:href="bbva-20241231.xsd#bbva_OtherFinancialLiabilitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialLiabilitiesTable" xlink:to="lab_bbva_OtherFinancialLiabilitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpactOfTheStressTestTable_7da032e7-1b5b-4dba-a35c-633d32012fdc_terseLabel_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impact of the stress test [Table]</link:label>
    <link:label id="lab_bbva_ImpactOfTheStressTestTable_label_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impact of the stress test [Table]</link:label>
    <link:label id="lab_bbva_ImpactOfTheStressTestTable_documentation_en-US" xlink:label="lab_bbva_ImpactOfTheStressTestTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impact of the stress test</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpactOfTheStressTestTable" xlink:href="bbva-20241231.xsd#bbva_ImpactOfTheStressTestTable"/>
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    <link:label id="lab_ifrs-full_InsuranceContractsThatAreAssets_1ff9a3eb-748a-4701-b2c2-e56eebe67cb7_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsThatAreAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets under insurance contracts and reinsurance contracts issued</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsThatAreAssets_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsThatAreAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance contracts that are assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsThatAreAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InsuranceContractsThatAreAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsThatAreAssets" xlink:to="lab_ifrs-full_InsuranceContractsThatAreAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuritiesAgreementsHedgeAccountingMember_d189eb5e-0cbf-4fd6-b5d0-60e5e5820b37_terseLabel_en-US" xlink:label="lab_bbva_SecuritiesAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_SecuritiesAgreementsHedgeAccountingMember_label_en-US" xlink:label="lab_bbva_SecuritiesAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securities agreements hedge accounting [Member]</link:label>
    <link:label id="lab_bbva_SecuritiesAgreementsHedgeAccountingMember_documentation_en-US" xlink:label="lab_bbva_SecuritiesAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securities agreements hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuritiesAgreementsHedgeAccountingMember" xlink:href="bbva-20241231.xsd#bbva_SecuritiesAgreementsHedgeAccountingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuritiesAgreementsHedgeAccountingMember" xlink:to="lab_bbva_SecuritiesAgreementsHedgeAccountingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommercialPropertyMember_59e13834-c849-4a4a-90cd-1fae8bc46d46_terseLabel_en-US" xlink:label="lab_bbva_CommercialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial property [Member]</link:label>
    <link:label id="lab_bbva_CommercialPropertyMember_label_en-US" xlink:label="lab_bbva_CommercialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial property [Member]</link:label>
    <link:label id="lab_bbva_CommercialPropertyMember_documentation_en-US" xlink:label="lab_bbva_CommercialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Commercial property</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommercialPropertyMember" xlink:href="bbva-20241231.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_3472da1e-0311-45ef-a668-0932c925497a_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_EmployerContributions_686eadbc-0e78-44c1-9145-578c2621c0e4_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_EmployerContributions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Employer contributions</link:label>
    <link:label id="lab_ifrs-full_EmployerContributions_label_en-US" xlink:label="lab_ifrs-full_EmployerContributions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Employer contributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EmployerContributions" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_EmployerContributions"/>
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    <link:label id="lab_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_e33843e9-dc37-4a45-9c51-c9ab35fb1b83_terseLabel_en-US" xlink:label="lab_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss"/>
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    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable_fcfc15fa-fb71-46af-ad0f-8770ce1fa562_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of financial instruments at amortized cost by levels [Table]</link:label>
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    <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" 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-20241231.xsd#bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable"/>
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    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable_a57fa167-e3fb-4ab2-98da-cbc7edd5b62c_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty [Table]</link:label>
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    <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" 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-20241231.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_ifrs-full_DerivativeFinancialAssetsHeldForTrading_040e51ef-fd81-4c66-a203-039191e826e0_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative financial assets held for trading</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative financial assets held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DerivativeFinancialAssetsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DerivativeFinancialAssetsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DerivativeFinancialAssetsHeldForTrading" xlink:to="lab_ifrs-full_DerivativeFinancialAssetsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary_846cc800-9b1a-44ff-9741-1e8f42d6f97e_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_AnnualVariableRemunerationBBVADirectorsInCash_dea9af0e-db5b-41d2-ad0f-b2224ebc9699_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_CouponDomain_cfd4cfc3-0072-474b-8b9c-475c475e5feb_terseLabel_en-US" xlink:label="lab_bbva_CouponDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Coupon [Domain]</link:label>
    <link:label id="lab_bbva_CouponDomain_label_en-US" xlink:label="lab_bbva_CouponDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Coupon [Domain]</link:label>
    <link:label id="lab_bbva_CouponDomain_documentation_en-US" xlink:label="lab_bbva_CouponDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Coupon</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CouponDomain" xlink:href="bbva-20241231.xsd#bbva_CouponDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CouponDomain" xlink:to="lab_bbva_CouponDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FloatingInterestRateMember_68a0f034-c801-4249-ab0b-09eb113fdfad_terseLabel_en-US" xlink:label="lab_ifrs-full_FloatingInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Floating interest rate [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FloatingInterestRateMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FloatingInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FloatingInterestRateMember" xlink:to="lab_ifrs-full_FloatingInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities_aed92b83-f555-40c7-af0f-ae605fbfc3a6_terseLabel_en-US" xlink:label="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_e78133a0-64df-4107-9f40-93c290ecee76_terseLabel_en-US" xlink:label="lab_bbva_PositiveScenarioTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Positive scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PositiveScenarioTable" xlink:href="bbva-20241231.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_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember_0882dd0c-8730-4dae-b4e1-7892b6aa7e2b_terseLabel_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_a34d716a-8f21-41ae-9173-ae2ae9f6d724_terseLabel_en-US" xlink:label="lab_bbva_BBVASegurosSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA Seguros SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVASegurosSAMember" xlink:href="bbva-20241231.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_A5.831Member_1f80d77c-8cb1-491a-a82a-4e5a5ad4da94_terseLabel_en-US" xlink:label="lab_bbva_A5.831Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">5.831% [Member]</link:label>
    <link:label id="lab_bbva_A5.831Member_label_en-US" xlink:label="lab_bbva_A5.831Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">5.831% [Member]</link:label>
    <link:label id="lab_bbva_A5.831Member_documentation_en-US" xlink:label="lab_bbva_A5.831Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">5.831%</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A5.831Member" xlink:href="bbva-20241231.xsd#bbva_A5.831Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A5.831Member" xlink:to="lab_bbva_A5.831Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CorrelationRateinflation_cb6f9446-df3f-435d-a715-8fb81b87fd5e_terseLabel_en-US" xlink:label="lab_bbva_CorrelationRateinflation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Correlation rate/inflation</link:label>
    <link:label id="lab_bbva_CorrelationRateinflation_label_en-US" xlink:label="lab_bbva_CorrelationRateinflation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Correlation rate/inflation</link:label>
    <link:label id="lab_bbva_CorrelationRateinflation_documentation_en-US" xlink:label="lab_bbva_CorrelationRateinflation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Correlation rate/inflation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CorrelationRateinflation" xlink:href="bbva-20241231.xsd#bbva_CorrelationRateinflation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CorrelationRateinflation" xlink:to="lab_bbva_CorrelationRateinflation" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MedicalBenefitsCommitmentsChangesOfTheYear_d04bec3a-4028-416c-805a-f693429cdb89_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_A0To2Member_8cf3914b-ab9c-481c-8d90-50ab7211224f_terseLabel_en-US" xlink:label="lab_bbva_A0To2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">0 to 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A0To2Member" xlink:href="bbva-20241231.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_OtherReclassificationsForeignCurrencyTranslation_e8af2e57-85a8-4953-948c-1ff91a71dd2b_terseLabel_en-US" xlink:label="lab_bbva_OtherReclassificationsForeignCurrencyTranslation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Reclassifications Foreign Currency Translation</link:label>
    <link:label id="lab_bbva_OtherReclassificationsForeignCurrencyTranslation_label_en-US" xlink:label="lab_bbva_OtherReclassificationsForeignCurrencyTranslation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reclassifications Foreign Currency Translation</link:label>
    <link:label id="lab_bbva_OtherReclassificationsForeignCurrencyTranslation_documentation_en-US" xlink:label="lab_bbva_OtherReclassificationsForeignCurrencyTranslation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reclassifications Foreign Currency Translation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReclassificationsForeignCurrencyTranslation" xlink:href="bbva-20241231.xsd#bbva_OtherReclassificationsForeignCurrencyTranslation"/>
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    <link:label id="lab_bbva_DerivativesAxis_6ba46f6e-4bc2-41b2-a24f-4184eef3b37f_terseLabel_en-US" xlink:label="lab_bbva_DerivativesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesAxis" xlink:href="bbva-20241231.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_d8833167-5e31-49bc-9d2d-1e6cfffb7ded_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfSubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disclosure of subsequent events</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfSubsequentEventsTextBlock" xlink:href="bbva-20241231.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_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_4bcfb63c-a76d-4e8d-91ef-f8f8d264c107_terseLabel_en-US" xlink:label="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation techniques used in fair value measurement [axis]</link:label>
    <link:label id="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_label_en-US" xlink:label="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation techniques used in fair value measurement [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis"/>
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    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis_759da790-2d22-44a2-adec-8bc88af1af98_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups classified as held for sale [Axis]</link:label>
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    <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" 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-20241231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis"/>
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    <link:label id="lab_bbva_ServiciosElectronicosGlobalesSADeCVMember_6d04aca3-8a92-4f44-8533-f20fb05ac47b_terseLabel_en-US" xlink:label="lab_bbva_ServiciosElectronicosGlobalesSADeCVMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis_d7630454-8599-4fce-95a8-78ab8eb2579b_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_CostOfTangibleAssets_0c093245-7e2d-4174-8206-f997402de671_periodStartLabel_en-US" xlink:label="lab_bbva_CostOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cost of tangible assets</link:label>
    <link:label id="lab_bbva_CostOfTangibleAssets_ca7bfe4d-178c-4f74-a8a6-5f5e8b660bee_periodEndLabel_en-US" xlink:label="lab_bbva_CostOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Cost of tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CostOfTangibleAssets" xlink:href="bbva-20241231.xsd#bbva_CostOfTangibleAssets"/>
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    <link:label id="lab_bbva_A3.500Member_da02f8a6-0695-4bdf-b200-117a50197c9e_terseLabel_en-US" xlink:label="lab_bbva_A3.500Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">3.500% [Member]</link:label>
    <link:label id="lab_bbva_A3.500Member_label_en-US" xlink:label="lab_bbva_A3.500Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">3.500% [Member]</link:label>
    <link:label id="lab_bbva_A3.500Member_documentation_en-US" xlink:label="lab_bbva_A3.500Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">3.500%</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A3.500Member" xlink:href="bbva-20241231.xsd#bbva_A3.500Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A3.500Member" xlink:to="lab_bbva_A3.500Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExecutiveDirectorsAxis_16b312f8-dd8f-4b10-8568-bc0a6b865750_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Executive directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsAxis" xlink:href="bbva-20241231.xsd#bbva_ExecutiveDirectorsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExecutiveDirectorsAxis" xlink:to="lab_bbva_ExecutiveDirectorsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff_4fdbd4e0-7c68-4078-9691-d9c346e74cab_terseLabel_en-US" xlink:label="lab_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_Stage1Member_11aabe81-d2cc-48bf-8d53-7267817af1f0_terseLabel_en-US" xlink:label="lab_bbva_Stage1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Stage 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Stage1Member" xlink:href="bbva-20241231.xsd#bbva_Stage1Member"/>
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    <link:label id="lab_bbva_AmountOfProposedInterimDividend_63f8304b-22b0-4da4-9c4e-cea99e21d121_terseLabel_en-US" xlink:label="lab_bbva_AmountOfProposedInterimDividend" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Amount of proposed interim dividend</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfProposedInterimDividend" xlink:href="bbva-20241231.xsd#bbva_AmountOfProposedInterimDividend"/>
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    <link:label id="lab_bbva_DepositsValuationTechniquesMember_d4a6940b-a6a0-4ef2-a611-07c40392ad47_terseLabel_en-US" xlink:label="lab_bbva_DepositsValuationTechniquesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits valuation techniques</link:label>
    <link:label id="lab_bbva_DepositsValuationTechniquesMember_label_en-US" xlink:label="lab_bbva_DepositsValuationTechniquesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits valuation techniques [Member]</link:label>
    <link:label id="lab_bbva_DepositsValuationTechniquesMember_documentation_en-US" xlink:label="lab_bbva_DepositsValuationTechniquesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits valuation techniques</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsValuationTechniquesMember" xlink:href="bbva-20241231.xsd#bbva_DepositsValuationTechniquesMember"/>
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    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading_2aef39d0-1689-4943-adbb-f3d13f017903_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_Level1OfFairValueHierarchyMember_16a86d3f-6971-4d9d-8f33-62ce087f22aa_terseLabel_en-US" xlink:label="lab_ifrs-full_Level1OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_BySecureLoansMember_fe55652f-36f1-43b1-ba7f-a49f443c5f1b_terseLabel_en-US" xlink:label="lab_bbva_BySecureLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">By secure loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BySecureLoansMember" xlink:href="bbva-20241231.xsd#bbva_BySecureLoansMember"/>
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    <link:label id="lab_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock_017b0b6e-2886-4867-b8ae-4a368d99594d_terseLabel_en-US" xlink:label="lab_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares of BBVA accepted in pledge [Table Text Block]</link:label>
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    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromInvestingActivities_21964ca0-e67a-4947-9678-c17c1fb0d6e2_terseLabel_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of Which Hyperinflation Effect From Investing Activities</link:label>
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    <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" xml:lang="en-US">Of Which Hyperinflation Effect From Investing Activities</link:label>
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    <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" xml:lang="en-US">Percentage impact on net economic value</link:label>
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    <link:label id="lab_ifrs-full_MiscellaneousOtherOperatingIncome_05cf29e4-efa8-464a-a581-a14e498e6d04_terseLabel_en-US" xlink:label="lab_ifrs-full_MiscellaneousOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Miscellaneous other operating income</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MiscellaneousOtherOperatingIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_MiscellaneousOtherOperatingIncome"/>
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    <link:label id="lab_dei_IcfrAuditorAttestationFlag_31cb4643-b21f-4b74-b53a-0e70797652ab_terseLabel_en-US" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
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    <link:label id="lab_ifrs-full_DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading_4fc55606-182f-4b26-8b1d-e106ad20a24d_terseLabel_en-US" xlink:label="lab_ifrs-full_DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from credit institutions held for trading</link:label>
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    <link:label id="lab_bbva_ReconciliationIncomeTaxMember_50e77a8c-a7f9-46c8-b32b-98d4ea400a14_terseLabel_en-US" xlink:label="lab_bbva_ReconciliationIncomeTaxMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Reconciliation income tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReconciliationIncomeTaxMember" xlink:href="bbva-20241231.xsd#bbva_ReconciliationIncomeTaxMember"/>
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    <link:label id="lab_bbva_OtherNonControllingInterestItemsMember_7b196a4b-a498-4b10-a1d8-f1cddf8346b2_terseLabel_en-US" xlink:label="lab_bbva_OtherNonControllingInterestItemsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of non controlling interest [Member]</link:label>
    <link:label id="lab_bbva_OtherNonControllingInterestItemsMember_label_en-US" xlink:label="lab_bbva_OtherNonControllingInterestItemsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other non controlling interest items [Member]</link:label>
    <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" xml:lang="en-US">Other non controlling interest items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherNonControllingInterestItemsMember" xlink:href="bbva-20241231.xsd#bbva_OtherNonControllingInterestItemsMember"/>
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    <link:label id="lab_bbva_DeferredTaxFinancialsInstruments_3010b75b-a911-44f6-bf83-292529243b5b_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxFinancialsInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred tax financials instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxFinancialsInstruments" xlink:href="bbva-20241231.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_ed61dd11-79d5-4b73-a785-ac8cc8152d6c_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_LoansAndAdvancesToCentralBanks_68406fbc-6d87-4624-a5a4-d59ef2668fad_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCentralBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to central banks at amortised cost</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToCentralBanks_label_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCentralBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances to central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesToCentralBanks" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoansAndAdvancesToCentralBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesToCentralBanks" xlink:to="lab_ifrs-full_LoansAndAdvancesToCentralBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_7ebe0dd1-e2db-478c-9f47-9ebf8cdbbff3_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss, category [member]</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock_e30838d7-e542-42a9-b342-6669ca33dc39_terseLabel_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_fac96f5f-7964-4ea2-918c-012fbe2f57cb_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Assets and Liabilities under reinsurance and insurance contracts [Text Block]</link:label>
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    <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" 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-20241231.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_7864614e-a2bb-4a00-90e4-f11a049a60d5_terseLabel_en-US" xlink:label="lab_bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_5b9d988b-50d6-4bc4-bb06-e06f0a974c9e_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfRiskManagementTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disclosure of risk management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfRiskManagementTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfRiskManagementTextBlock"/>
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    <link:label id="lab_bbva_NonLifeInsuranceMember_63729210-6e68-49c7-813d-581ed4a7a141_terseLabel_en-US" xlink:label="lab_bbva_NonLifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-life insurance [Member]</link:label>
    <link:label id="lab_bbva_NonLifeInsuranceMember_label_en-US" xlink:label="lab_bbva_NonLifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-life insurance [Member]</link:label>
    <link:label id="lab_bbva_NonLifeInsuranceMember_documentation_en-US" xlink:label="lab_bbva_NonLifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-life insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonLifeInsuranceMember" xlink:href="bbva-20241231.xsd#bbva_NonLifeInsuranceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonLifeInsuranceMember" xlink:to="lab_bbva_NonLifeInsuranceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesByTypeOfRiskDomain_02fb21ea-7792-4e92-adaa-35dac3b03c82_terseLabel_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Derivatives by type of risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesByTypeOfRiskDomain" xlink:href="bbva-20241231.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_5a5b078f-793b-4ed1-9491-5371c7c68b65_terseLabel_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Impaired secured loans risks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedSecuredLoansRisksTableTextBlock" xlink:href="bbva-20241231.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_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_ddaa3f3e-9dfa-47dd-a6f8-95731f4d7ce1_terseLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on financial assets measured at fair value through other comprehensive income, before tax</link:label>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_label_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on financial assets measured at fair value through other comprehensive income, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:to="lab_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxGuaranteedTaxAssets_343bfb0f-fc05-4479-806e-a4cd5afef711_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxGuaranteedTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred tax guaranteed tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxGuaranteedTaxAssets" xlink:href="bbva-20241231.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_9f8b5e30-5a00-4cf3-9b26-d3224d39a456_terseLabel_en-US" xlink:label="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bcb67005-992d-4997-82bd-416adb5a30e6_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_LoansAndAdvancesToCustomersAtAmortisedCost_09e4fe55-e100-4683-b2f4-8ce090285480_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCustomersAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToCustomersAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCustomersAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances to customers at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesToCustomersAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoansAndAdvancesToCustomersAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesToCustomersAtAmortisedCost" xlink:to="lab_ifrs-full_LoansAndAdvancesToCustomersAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherSpanishEntitiesMember_e42d213e-7835-40b4-87ae-8674b9f71625_terseLabel_en-US" xlink:label="lab_bbva_OtherSpanishEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other Spanish entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherSpanishEntitiesMember" xlink:href="bbva-20241231.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_98917dab-add1-4fbc-b80c-864d8ebe90f3_terseLabel_en-US" xlink:label="lab_bbva_MaximumExposureToCreditRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maximum Exposure to Credit Risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumExposureToCreditRiskLineItems" xlink:href="bbva-20241231.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_6de428b1-ba3d-46c3-bbbe-2a6d2271492c_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisLineItems" xlink:href="bbva-20241231.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_LifeInsuranceContractsMember_22beba7b-8ab4-473e-9f41-aee746929b79_terseLabel_en-US" xlink:label="lab_bbva_LifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Life insurance contracts [member]</link:label>
    <link:label id="lab_bbva_LifeInsuranceContractsMember_label_en-US" xlink:label="lab_bbva_LifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Life insurance contracts [member]</link:label>
    <link:label id="lab_bbva_LifeInsuranceContractsMember_documentation_en-US" xlink:label="lab_bbva_LifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for life insurance contracts. [Refer: Types of insurance contracts [member]]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LifeInsuranceContractsMember" xlink:href="bbva-20241231.xsd#bbva_LifeInsuranceContractsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LifeInsuranceContractsMember" xlink:to="lab_bbva_LifeInsuranceContractsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecurilizationBondsMember_b296dbc0-d528-4ce5-93b0-2454a48352f3_terseLabel_en-US" xlink:label="lab_bbva_SecurilizationBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Securilization bonds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecurilizationBondsMember" xlink:href="bbva-20241231.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_ifrs-full_InsuranceExpense_4c613d2a-2527-4f10-8268-78394a3ef524_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance expense</link:label>
    <link:label id="lab_ifrs-full_InsuranceExpense_label_en-US" xlink:label="lab_ifrs-full_InsuranceExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InsuranceExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceExpense" xlink:to="lab_ifrs-full_InsuranceExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorNonPreferred_f120a375-c3e9-4cac-982b-2a2ab5170d2c_terseLabel_en-US" xlink:label="lab_bbva_SeniorNonPreferred" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior non-preferred</link:label>
    <link:label id="lab_bbva_SeniorNonPreferred_label_en-US" xlink:label="lab_bbva_SeniorNonPreferred" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior non-preferred</link:label>
    <link:label id="lab_bbva_SeniorNonPreferred_documentation_en-US" xlink:label="lab_bbva_SeniorNonPreferred" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Senior non-preferred</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorNonPreferred" xlink:href="bbva-20241231.xsd#bbva_SeniorNonPreferred"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SeniorNonPreferred" xlink:to="lab_bbva_SeniorNonPreferred" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuritizedMortgageAssets_8e6d54f2-01e9-4516-97af-6dce81d3d5ec_terseLabel_en-US" xlink:label="lab_bbva_SecuritizedMortgageAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Securitized mortgage assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuritizedMortgageAssets" xlink:href="bbva-20241231.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_0fede9ef-9335-4e65-837b-262021b97158_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromDebtCertificatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deposits from debt certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromDebtCertificatesTableTextBlock" xlink:href="bbva-20241231.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_ifrs-full_CashFlowsFromUsedInOperatingActivities_ccf0a2c1-5a91-4078-ae53-75212cda7118_totalLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) operating activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:to="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember_e52427c1-1ee6-40ac-ac68-77188d50671f_terseLabel_en-US" xlink:label="lab_bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_0ac21bae-ad95-4efb-b3c4-28b2c745c8d3_terseLabel_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_BySubordinationMember_535b55b0-dae8-4173-92a7-d44db5286013_terseLabel_en-US" xlink:label="lab_bbva_BySubordinationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">By subordination</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BySubordinationMember" xlink:href="bbva-20241231.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_33c51f0c-f10f-43b9-97c5-4a30c19a57df_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_ConsolidatedIncomeStatementImpactLineItems_00f2577b-3856-4ca2-885b-e54b44412ee2_terseLabel_en-US" xlink:label="lab_bbva_ConsolidatedIncomeStatementImpactLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Consolidated income statement impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConsolidatedIncomeStatementImpactLineItems" xlink:href="bbva-20241231.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_currency_PEN_6db9f5f6-b5cf-4c4c-b6d7-07b05b379c3e_terseLabel_en-US" xlink:label="lab_currency_PEN" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peru, Nuevos Soles</link:label>
    <link:label id="lab_currency_PEN_label_en-US" xlink:label="lab_currency_PEN" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Peru, Nuevos Soles</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_PEN" xlink:href="https://xbrl.sec.gov/currency/2024/currency-2024.xsd#currency_PEN"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_PEN" xlink:to="lab_currency_PEN" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromBanksBreakdownByGeographyLineItems_bb48dd82-747c-4cc2-9dd2-d5683a66fc65_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ad41f9e3-7a66-4399-83e3-bc924b10aee5_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitPlansExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Defined benefit plans expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitPlansExpense" xlink:href="bbva-20241231.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_2fc9428e-90da-48bd-944a-7ebe3a97845e_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialLiabilitiesAxis" xlink:href="bbva-20241231.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_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember_85e92c3c-904c-4b6f-abb3-e58fce13ff73_terseLabel_en-US" xlink:label="lab_bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates_bde60c56-f06d-40af-9fc0-6f74b8e17888_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumption of medical cost trend rates</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of medical cost trend rates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:to="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_CLP_c3233dd7-9681-4e3f-90df-b04c54f79624_terseLabel_en-US" xlink:label="lab_currency_CLP" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/currency-2024.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_SubtotalListedEquityInstrumentsMember_a1fbcd15-bb8f-4b1a-ab77-6ba313eab58f_terseLabel_en-US" xlink:label="lab_bbva_SubtotalListedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Subtotal listed equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubtotalListedEquityInstrumentsMember" xlink:href="bbva-20241231.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_9b9f6a58-ed0b-476e-824a-6bc8b4aab670_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_dei_ContactPersonnelName_456820f9-4335-482a-be31-3b26b4930ffe_terseLabel_en-US" xlink:label="lab_dei_ContactPersonnelName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contact Personnel Name</link:label>
    <link:label id="lab_dei_ContactPersonnelName_label_en-US" xlink:label="lab_dei_ContactPersonnelName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contact Personnel Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_ContactPersonnelName" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_ContactPersonnelName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_ContactPersonnelName" xlink:to="lab_dei_ContactPersonnelName" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherInterestIncome_3f31c1d2-7b4a-439d-9df3-2e8a14c16e2e_terseLabel_en-US" xlink:label="lab_bbva_OtherInterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other interest income</link:label>
    <link:label id="lab_bbva_OtherInterestIncome_label_en-US" xlink:label="lab_bbva_OtherInterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other interest income</link:label>
    <link:label id="lab_bbva_OtherInterestIncome_documentation_en-US" xlink:label="lab_bbva_OtherInterestIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other interest income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherInterestIncome" xlink:href="bbva-20241231.xsd#bbva_OtherInterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherInterestIncome" xlink:to="lab_bbva_OtherInterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksLineItems_54a47f8a-899e-4662-845c-7dffae19a80e_terseLabel_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Impaired secured loans risks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedSecuredLoansRisksLineItems" xlink:href="bbva-20241231.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_NumberOfSalesAndOtherChangesInTreasuryShares_7be3fbf6-04ff-469d-92fc-330aa5d9af16_terseLabel_en-US" xlink:label="lab_bbva_NumberOfSalesAndOtherChangesInTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of sales and other changes in treasury shares</link:label>
    <link:label id="lab_bbva_NumberOfSalesAndOtherChangesInTreasuryShares_label_en-US" xlink:label="lab_bbva_NumberOfSalesAndOtherChangesInTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of sales and other changes in treasury shares</link:label>
    <link:label id="lab_bbva_NumberOfSalesAndOtherChangesInTreasuryShares_documentation_en-US" xlink:label="lab_bbva_NumberOfSalesAndOtherChangesInTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of sales and other changes in treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NumberOfSalesAndOtherChangesInTreasuryShares" xlink:href="bbva-20241231.xsd#bbva_NumberOfSalesAndOtherChangesInTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NumberOfSalesAndOtherChangesInTreasuryShares" xlink:to="lab_bbva_NumberOfSalesAndOtherChangesInTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersOfFinancialAssets_219360bb-822b-4145-970e-f61e1ffb44a7_terseLabel_en-US" xlink:label="lab_bbva_TransfersOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Transfers of financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersOfFinancialAssets" xlink:href="bbva-20241231.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_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_2c870ccb-7f4b-497a-8e7f-7bd3fb25e693_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, mandatorily measured at fair value</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_f9168e76-2002-4288-99d6-0ff1d6916581_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, mandatorily measured at fair value</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, mandatorily measured at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FeeAndCommissionIncomeTableTextBlock_e29c09e5-501c-4b8f-b1d1-cfe42fb5d4ce_terseLabel_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Fee and commission income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeeAndCommissionIncomeTableTextBlock" xlink:href="bbva-20241231.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_ebd51c8f-7ecc-4c70-92a8-1d67d3f98df4_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativeFairValueIneffectivenessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Hedging derivative fair value ineffectiveness</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativeFairValueIneffectivenessMember" xlink:href="bbva-20241231.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_ComputerSoftwareMember_602b35cb-a622-444e-8257-ea5199c8ac8e_terseLabel_en-US" xlink:label="lab_ifrs-full_ComputerSoftwareMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ComputerSoftwareMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComputerSoftwareMember" xlink:to="lab_ifrs-full_ComputerSoftwareMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InsuranceProductCommissions_5e2e0078-8ce4-464b-8a7c-c9c4ca1582f4_terseLabel_en-US" xlink:label="lab_bbva_InsuranceProductCommissions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Insurance product commissions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceProductCommissions" xlink:href="bbva-20241231.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_bbva_OptionModelsOnIRUnderlyingsMember_46bf7ce8-01bc-4163-b6d9-514501c10845_terseLabel_en-US" xlink:label="lab_bbva_OptionModelsOnIRUnderlyingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Option models on IR underlyings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OptionModelsOnIRUnderlyingsMember" xlink:href="bbva-20241231.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_13be8f8a-7134-41f7-9749-9b09be524ea6_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfShareholderRemunerationSystemTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disclosure of shareholder remuneration system</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfShareholderRemunerationSystemTextBlock" xlink:href="bbva-20241231.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_ee4dae92-9232-463c-ac24-06cb8ed06eaf_terseLabel_en-US" xlink:label="lab_bbva_DeferredAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAssetsMember" xlink:href="bbva-20241231.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_ifrs-full_OtherFinancialLiabilities_53a41dee-aded-40d3-9ad4-080bb5dea21d_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherFinancialLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherFinancialLiabilities"/>
    <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_Mar34Member_bc13657b-cbf1-4711-959c-0dd38a26b76a_terseLabel_en-US" xlink:label="lab_bbva_Mar34Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mar-34 [Member]</link:label>
    <link:label id="lab_bbva_Mar34Member_label_en-US" xlink:label="lab_bbva_Mar34Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mar-34 [Member]</link:label>
    <link:label id="lab_bbva_Mar34Member_documentation_en-US" xlink:label="lab_bbva_Mar34Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mar-34</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Mar34Member" xlink:href="bbva-20241231.xsd#bbva_Mar34Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Mar34Member" xlink:to="lab_bbva_Mar34Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AvailableAmountForInterimDividendPaymentsLineItems_799f0a61-d989-4fae-a764-af7fbf506fa7_terseLabel_en-US" xlink:label="lab_bbva_AvailableAmountForInterimDividendPaymentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_3244c6a0-c9eb-4184-afe3-6c254b252aa1_terseLabel_en-US" xlink:label="lab_bbva_PlanAssetsChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory_911c488f-0a2f-4210-84b2-00edaff6e4f7_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of other operating income (expense) [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of other operating income (expense) [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:to="lab_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems_85bf7237-80b1-4a71-9ad1-5d09d4d0fa7d_terseLabel_en-US" xlink:label="lab_bbva_ComponentsOfCashAndCashEquivalentsAtTheEndOfThePeriodLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_0773854c-5ee2-461f-a5db-ff929a9140bc_terseLabel_en-US" xlink:label="lab_bbva_BBVABBBMinusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA BBB minus Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVABBBMinusRatingMember" xlink:href="bbva-20241231.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_5c466a64-44f0-4c25-8177-39edbdd72b33_terseLabel_en-US" xlink:label="lab_bbva_ClosingRangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Closing range</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClosingRangeMember" xlink:href="bbva-20241231.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_ifrs-full_GrossCarryingAmountMember_010770c1-af47-4c79-8db4-58b3a380ea09_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossCarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Gross carrying amount [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossCarryingAmountMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GrossCarryingAmountMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossCarryingAmountMember" xlink:to="lab_ifrs-full_GrossCarryingAmountMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgedItemsInFairValueHedgesTable_d18ca0bc-7c3a-4cdf-aa71-a715be9d3e9a_terseLabel_en-US" xlink:label="lab_bbva_HedgedItemsInFairValueHedgesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_19666b71-0456-4782-b133-909761820536_terseLabel_en-US" xlink:label="lab_bbva_NonTradableAssetsEligibleForCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_ListOfGroupAndSubsidiariesDomain_93d36a49-4aa3-44b7-a708-779e4998b9fe_terseLabel_en-US" xlink:label="lab_bbva_ListOfGroupAndSubsidiariesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">List of group and subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ListOfGroupAndSubsidiariesDomain" xlink:href="bbva-20241231.xsd#bbva_ListOfGroupAndSubsidiariesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ListOfGroupAndSubsidiariesDomain" xlink:to="lab_bbva_ListOfGroupAndSubsidiariesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_9b6eaaac-eb87-4812-ab6d-c0f9e9a8a82b_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract_label_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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>
    <link:label id="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract_documentation_en-US" xlink:label="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" xlink:href="bbva-20241231.xsd#bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" xlink:to="lab_bbva_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SusanaRodriguezVidarteMember_3ae9df61-441f-40e3-8ac7-30cf4c0446a8_terseLabel_en-US" xlink:label="lab_bbva_SusanaRodriguezVidarteMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Susana Rodriguez Vidarte [Member]</link:label>
    <link:label id="lab_bbva_SusanaRodriguezVidarteMember_label_en-US" xlink:label="lab_bbva_SusanaRodriguezVidarteMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Susana Rodriguez Vidarte [Member]</link:label>
    <link:label id="lab_bbva_SusanaRodriguezVidarteMember_documentation_en-US" xlink:label="lab_bbva_SusanaRodriguezVidarteMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Susana Rodriguez Vidarte</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SusanaRodriguezVidarteMember" xlink:href="bbva-20241231.xsd#bbva_SusanaRodriguezVidarteMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SusanaRodriguezVidarteMember" xlink:to="lab_bbva_SusanaRodriguezVidarteMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaRByRiskFactorLineItems_28bf1cbf-3a1b-46ea-9b20-97b3c5306b5c_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactorLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">VaR by risk factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRByRiskFactorLineItems" xlink:href="bbva-20241231.xsd#bbva_VaRByRiskFactorLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaRByRiskFactorLineItems" xlink:to="lab_bbva_VaRByRiskFactorLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorPreferredGreenBond_63266125-8ece-449a-8f36-d11abfa2f78a_terseLabel_en-US" xlink:label="lab_bbva_SeniorPreferredGreenBond" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior (Tranche 1)- Green bond</link:label>
    <link:label id="lab_bbva_SeniorPreferredGreenBond_label_en-US" xlink:label="lab_bbva_SeniorPreferredGreenBond" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Preferred (green bond)</link:label>
    <link:label id="lab_bbva_SeniorPreferredGreenBond_documentation_en-US" xlink:label="lab_bbva_SeniorPreferredGreenBond" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Senior Preferred (green bond)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorPreferredGreenBond" xlink:href="bbva-20241231.xsd#bbva_SeniorPreferredGreenBond"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SeniorPreferredGreenBond" xlink:to="lab_bbva_SeniorPreferredGreenBond" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain_3c77cafc-7484-44cb-acd0-96992115bd2e_terseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract_f32520d1-3cf5-4d21-9d6c-ad484f3d1afa_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" xlink:href="bbva-20241231.xsd#bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" xlink:to="lab_bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichInterestRateCashFlowHedgesMember_0199996f-f912-4672-b7bd-932a99454782_terseLabel_en-US" xlink:label="lab_bbva_OfWhichInterestRateCashFlowHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_OfWhichInterestRateCashFlowHedgesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichInterestRateCashFlowHedgesMember" xlink:to="lab_bbva_OfWhichInterestRateCashFlowHedgesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCost_ce4b9924-9927-4507-96e5-fbc39302d0ca_terseLabel_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_NotLaterThanOneMonthMember_2564dda6-74dc-4313-89b7-097ed7a595a4_terseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneMonthMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Not later than one month [member]</link:label>
    <link:label id="lab_ifrs-full_NotLaterThanOneMonthMember_label_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneMonthMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not later than one month [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotLaterThanOneMonthMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_NotLaterThanOneMonthMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NotLaterThanOneMonthMember" xlink:to="lab_ifrs-full_NotLaterThanOneMonthMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Tier2AfterRegulatoryAdjustmentsMember_9454b8fe-2501-4604-a2b1-2965227e796c_terseLabel_en-US" xlink:label="lab_bbva_Tier2AfterRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 2 after regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_Tier2AfterRegulatoryAdjustmentsMember_label_en-US" xlink:label="lab_bbva_Tier2AfterRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier 2 after regulatory adjustments [Member]</link:label>
    <link:label id="lab_bbva_Tier2AfterRegulatoryAdjustmentsMember_documentation_en-US" xlink:label="lab_bbva_Tier2AfterRegulatoryAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier 2 after regulatory adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier2AfterRegulatoryAdjustmentsMember" xlink:href="bbva-20241231.xsd#bbva_Tier2AfterRegulatoryAdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Tier2AfterRegulatoryAdjustmentsMember" xlink:to="lab_bbva_Tier2AfterRegulatoryAdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BasisPointVariationDomain_c7dc05b8-658d-427e-83d2-1c34257a8556_terseLabel_en-US" xlink:label="lab_bbva_BasisPointVariationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Basis point variation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasisPointVariationDomain" xlink:href="bbva-20241231.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_034e0437-3690-47ff-9cf5-5c132f861199_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Encumbered and unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EncumberedAndUnencumberedAssetsTable" xlink:href="bbva-20241231.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"/>
    <link:label id="lab_bbva_ProvisionsForCommitmentsAndContingentRisks_76a20e9c-d578-49c0-aad8-caf651efca0d_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsForCommitmentsAndContingentRisks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions commitments and guarantees given</link:label>
    <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" 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" 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-20241231.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_84bdff01-fe47-4889-83f2-c576a73fcd59_terseLabel_en-US" xlink:label="lab_bbva_MacroeconomicVariablesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Macroeconomic variables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MacroeconomicVariablesLineItems" xlink:href="bbva-20241231.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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis_0981a0fe-087a-4564-b9c6-d4681d1a41af_terseLabel_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_eb3046d8-f1df-4a5e-935e-1fbeb86b6e6a_terseLabel_en-US" xlink:label="lab_bbva_LCRMainLMUTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LCRMainLMUTable" xlink:href="bbva-20241231.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_c5f1ee19-1e55-4083-9a68-a30ec32e1e35_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accounting policy for treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock" xlink:href="bbva-20241231.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_aab2cfb1-d7a0-49ae-87f4-50790ff2d088_terseLabel_en-US" xlink:label="lab_bbva_AdditionsTransferToDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Additions transfer to discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionsTransferToDiscontinuedOperations" xlink:href="bbva-20241231.xsd#bbva_AdditionsTransferToDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdditionsTransferToDiscontinuedOperations" xlink:to="lab_bbva_AdditionsTransferToDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfTreasurySharesTextBlock_decc4d41-400e-49fb-a0ef-05d951d3d506_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfTreasurySharesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disclosure of Treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfTreasurySharesTextBlock" xlink:href="bbva-20241231.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_ifrs-full_OtherEquityInterestMember_81f90efe-ee28-4b35-b53e-4161cf1de7ed_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherEquityInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk_3840c2dc-4613-4bec-b60d-6841a109f9b6_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets held for managing liquidity risk</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets held for managing liquidity risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk" xlink:to="lab_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HouseholdsMember_7ee499c4-d9f8-40e0-b0ef-41cc6614f487_terseLabel_en-US" xlink:label="lab_bbva_HouseholdsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Households</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HouseholdsMember" xlink:href="bbva-20241231.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_f1b5e7dd-c7fb-4ec9-a938-c2a1e1d52e30_terseLabel_en-US" xlink:label="lab_bbva_OtherSectorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other sectors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherSectorsMember" xlink:href="bbva-20241231.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_bbva_BBVAAllianzSegurosYReasegurosSAMember_2ac5118b-7b48-4cec-86dd-268b9681b75b_terseLabel_en-US" xlink:label="lab_bbva_BBVAAllianzSegurosYReasegurosSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_15e56ff3-5f8d-49f5-a454-d5578be94e1e_terseLabel_en-US" xlink:label="lab_bbva_TechnologyAndCybersecurityCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Technology And Cybersecurity Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TechnologyAndCybersecurityCommitteeMember" xlink:href="bbva-20241231.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_7c501c9b-d6aa-4bae-9858-359801914fee_terseLabel_en-US" xlink:label="lab_bbva_OfWhichOTCOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which OTC other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichOTCOtherMember" xlink:href="bbva-20241231.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_FinancialInstrumentsLevel3Total_7d60f859-5a94-4faa-ab7d-a8739076e583_periodStartLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 total</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Total_5013aaba-92ea-4cf9-a495-fe0a1029a462_periodEndLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Total" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial instruments level 3 total</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsLevel3Total" xlink:href="bbva-20241231.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_62c666e5-1f42-4d3c-bff1-5e8ce8acbd98_terseLabel_en-US" xlink:label="lab_bbva_BBVAUruguayGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA Uruguay Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAUruguayGroupMember" xlink:href="bbva-20241231.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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis_4d29a1c1-edad-4d7b-af2b-ae576c5f8111_terseLabel_en-US" xlink:label="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_b85fa47c-3e73-49f7-89a8-61feb0e780f1_terseLabel_en-US" xlink:label="lab_bbva_SubtotalAssetsByOperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Subtotal assets by operating segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SubtotalAssetsByOperatingSegmentsMember" xlink:href="bbva-20241231.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_SecuritiesLocationByCountryAxis_98bc074e-bdbd-494e-8108-3b891c41b503_terseLabel_en-US" xlink:label="lab_bbva_SecuritiesLocationByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Securities location by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuritiesLocationByCountryAxis" xlink:href="bbva-20241231.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_EarlyRedemptionAxis_fc4f4651-5ac4-46f2-8fd5-311f2a082ce8_terseLabel_en-US" xlink:label="lab_bbva_EarlyRedemptionAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Easrly redemption [Axis]</link:label>
    <link:label id="lab_bbva_EarlyRedemptionAxis_label_en-US" xlink:label="lab_bbva_EarlyRedemptionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Early redemption [Axis]</link:label>
    <link:label id="lab_bbva_EarlyRedemptionAxis_documentation_en-US" xlink:label="lab_bbva_EarlyRedemptionAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Early redemption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EarlyRedemptionAxis" xlink:href="bbva-20241231.xsd#bbva_EarlyRedemptionAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EarlyRedemptionAxis" xlink:to="lab_bbva_EarlyRedemptionAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PerpetualMember_e5309cd0-7791-47ed-99bf-ea05ae2a58da_terseLabel_en-US" xlink:label="lab_bbva_PerpetualMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Perpetual [Member]</link:label>
    <link:label id="lab_bbva_PerpetualMember_label_en-US" xlink:label="lab_bbva_PerpetualMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Perpetual [Member]</link:label>
    <link:label id="lab_bbva_PerpetualMember_documentation_en-US" xlink:label="lab_bbva_PerpetualMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Perpetual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PerpetualMember" xlink:href="bbva-20241231.xsd#bbva_PerpetualMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PerpetualMember" xlink:to="lab_bbva_PerpetualMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InvestmentInListedMarkets_f7352d51-87c7-43c9-910b-5086c9d134cf_terseLabel_en-US" xlink:label="lab_bbva_InvestmentInListedMarkets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Investment in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InvestmentInListedMarkets" xlink:href="bbva-20241231.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_bbva_InterestExpenseByOriginLineItems_f64919d5-72bc-468d-b318-1acb59790b75_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseByOriginLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest expense by origin</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseByOriginLineItems" xlink:href="bbva-20241231.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_b6d540d4-5dea-41b2-b356-cbafff66af7d_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactorTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">VaR by risk factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRByRiskFactorTable" xlink:href="bbva-20241231.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_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis_569f4602-85ef-473a-abc6-0f378d759aec_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts [Axis]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis_label_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts [Axis]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis_documentation_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:to="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentTaxLiabilities_b85a7056-ecf4-4f90-b94f-fc14fd43ff00_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage_1d080b18-9215-4435-9bfd-95a3186cc569_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeForAdjustmentInterestOnAccountingCoverage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_13cc899d-2401-420e-85cc-07d4c66a4712_terseLabel_en-US" xlink:label="lab_bbva_A11To39Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">11 to 39</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A11To39Member" xlink:href="bbva-20241231.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_8e70b8e8-c96a-4977-bbfe-2ba4b0084aef_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfTangibleAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disclosure of tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfTangibleAssetsTextBlock" xlink:href="bbva-20241231.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_4d2c9c03-f61c-4894-bde7-6ab02eafb31f_terseLabel_en-US" xlink:label="lab_bbva_OtherRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherRiskMember" xlink:href="bbva-20241231.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_bbva_ComponentsOfEquityTreasuryStockLineItems_b4513fc0-4b52-4bd7-99d0-28239e3ff22c_terseLabel_en-US" xlink:label="lab_bbva_ComponentsOfEquityTreasuryStockLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Components of equity treasury stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ComponentsOfEquityTreasuryStockLineItems" xlink:href="bbva-20241231.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_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates_c8f1194d-b730-4bba-b384-da1f805265e0_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment investments in subsidiaries joint ventures and associates</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment of investments in joint ventures and associates</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment of investments in joint ventures and associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" xlink:href="bbva-20241231.xsd#bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfOtherAdministrativeExpenseLineItems_a61fc3ba-c2e6-4773-ad17-8e192aaa3a58_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfOtherAdministrativeExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disclosure of Other administrative expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfOtherAdministrativeExpenseLineItems" xlink:href="bbva-20241231.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_220223e0-a1e8-4f7a-82be-bee470cb49c1_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems"/>
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    <link:label id="lab_ifrs-full_AdditionalInformationAbstract_4ecfd9d6-85fb-4748-82a0-12d5fa972b19_terseLabel_en-US" xlink:label="lab_ifrs-full_AdditionalInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional information [abstract]</link:label>
    <link:label id="lab_ifrs-full_AdditionalInformationAbstract_label_en-US" xlink:label="lab_ifrs-full_AdditionalInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional information [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdditionalInformationAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdditionalInformationAbstract"/>
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    <link:label id="lab_ifrs-full_GrossProfit_9cd9ad54-b9f8-44c6-b5cd-77a1ffe997c8_totalLabel_en-US" xlink:label="lab_ifrs-full_GrossProfit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gross profit</link:label>
    <link:label id="lab_ifrs-full_GrossProfit_34f1be4b-a5ac-4115-b395-899281daeb77_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossProfit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GrossProfit"/>
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    <link:label id="lab_bbva_EstimatedBenefitPaymentsByCountryDomain_3e123a7b-b9b5-4719-9f0a-309988cac63d_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Estimated benefit payments by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsByCountryDomain" xlink:href="bbva-20241231.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_bbva_MarketValueMember_41ef19df-6628-45ae-ad4f-ec2d731cae11_terseLabel_en-US" xlink:label="lab_bbva_MarketValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Market value [Member]</link:label>
    <link:label id="lab_bbva_MarketValueMember_label_en-US" xlink:label="lab_bbva_MarketValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Market value [Member]</link:label>
    <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" xml:lang="en-US">Market value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MarketValueMember" xlink:href="bbva-20241231.xsd#bbva_MarketValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MarketValueMember" xlink:to="lab_bbva_MarketValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherTermLoansMember_e9e10d9a-9f20-4454-b1f3-b077ade92d3f_terseLabel_en-US" xlink:label="lab_bbva_OtherTermLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other term loans [Member]</link:label>
    <link:label id="lab_bbva_OtherTermLoansMember_label_en-US" xlink:label="lab_bbva_OtherTermLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other term loans [Member]</link:label>
    <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" xml:lang="en-US">Other term loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherTermLoansMember" xlink:href="bbva-20241231.xsd#bbva_OtherTermLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherTermLoansMember" xlink:to="lab_bbva_OtherTermLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostTable_dae61101-fd40-477e-8e22-bcbe2e4a68eb_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostTable_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost [Table]</link:label>
    <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" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostTable" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAtAmortisedCostTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtAmortisedCostTable" xlink:to="lab_bbva_FinancialAssetsAtAmortisedCostTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems_d3f698fd-200b-43db-8da7-6261784363cb_terseLabel_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variation in liabilities under insurance and reinsurance contracts [Line Items]</link:label>
    <link:label id="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems_label_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variation in liabilities under insurance and reinsurance contracts by valuation component [Line Items]</link:label>
    <link:label id="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems_documentation_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variation in liabilities under insurance and reinsurance contracts by valuation component</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" xlink:href="bbva-20241231.xsd#bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" xlink:to="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems_32cd4d2e-b0d6-454b-a727-1eb0fb71f3e7_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries [Line Items]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems_label_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries [Line Items]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" xlink:href="bbva-20241231.xsd#bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" xlink:to="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalLoansAndAdvancesByProductsMember_772ae92f-3ecc-4238-94a9-bc0dca5b7da0_terseLabel_en-US" xlink:label="lab_bbva_TotalLoansAndAdvancesByProductsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_TotalLoansAndAdvancesByProductsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalLoansAndAdvancesByProductsMember" xlink:to="lab_bbva_TotalLoansAndAdvancesByProductsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LevelsOfFairValueHierarchyAxis_7376d2b3-4fdc-4b47-9029-aac50148a190_terseLabel_en-US" xlink:label="lab_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis_61a0a81c-8db8-4d7e-bbe0-bc9b8835fe2d_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration from previous years senior management [Axis]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis_label_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration from previous years senior management [Axis]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration from previous years senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis" xlink:href="bbva-20241231.xsd#bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis"/>
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    <link:label id="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss_4e94b6a3-400a-4e52-96fd-66285fb5be78_terseLabel_en-US" xlink:label="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain (loss) on hedge ineffectiveness recognised in profit or loss</link:label>
    <link:label id="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (loss) on hedge ineffectiveness recognised in profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:to="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember_f4388faa-1f18-4ffb-8179-8534b61c0e6b_terseLabel_en-US" xlink:label="lab_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchase securities lending and similar agreements [Member]</link:label>
    <link:label id="lab_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember_label_en-US" xlink:label="lab_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repurchase securities lending and similar agreements [Member]</link:label>
    <link:label id="lab_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember_documentation_en-US" xlink:label="lab_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repurchase securities lending and similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" xlink:href="bbva-20241231.xsd#bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" xlink:to="lab_bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentsInAssociates_a4dde1e5-e08e-43e2-9583-25a1e792f99b_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInAssociates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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"/>
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    <link:label id="lab_bbva_DividendIncomeBreakdownByHeadlineLineItems_ddbdde4f-da8a-4b3f-88d7-b1e9f904341d_terseLabel_en-US" xlink:label="lab_bbva_DividendIncomeBreakdownByHeadlineLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Dividend Income Breakdown By Headline</link:label>
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    <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"/>
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    <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_89120c06-5972-45b7-8caf-86aa9fde8da2_terseLabel_en-US" xlink:label="lab_bbva_StockMarketRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock market risk [Member]</link:label>
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    <link:label id="lab_ifrs-full_StatutoryReserve_98a266bc-600a-4316-861e-3db46075456b_terseLabel_en-US" xlink:label="lab_ifrs-full_StatutoryReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statutory reserve</link:label>
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    <link:label id="lab_bbva_MedicalBenefitsCommitmentsDomain_7774d383-11f5-47cd-852d-d1aaa47e9191_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Medical benefits commitments [Domain]</link:label>
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    <link:label id="lab_bbva_RecoveryRate_5ac42dd0-447f-4a51-bf57-0c3078aa986d_terseLabel_en-US" xlink:label="lab_bbva_RecoveryRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recovery rate</link:label>
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    <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" xml:lang="en-US">Recovery rate</link:label>
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    <link:label id="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding_794600f0-ed84-406f-9c60-6cbb53d4984c_periodStartLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Financial assets written off during reporting period and still subject to enforcement activity, contractual amount outstanding</link:label>
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    <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" xml:lang="en-US">Financial assets written off during reporting period and still subject to enforcement activity, contractual amount outstanding</link:label>
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    <link:label id="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems_8c13fb0a-91e9-4bd8-8c79-1169d421750b_terseLabel_en-US" xlink:label="lab_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension commitments with members of Senior Management [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" xlink:href="bbva-20241231.xsd#bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems"/>
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    <link:label id="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis_31809ebf-1b93-4851-a923-c412cb629ffe_terseLabel_en-US" xlink:label="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Broken down encumbered and unencumbered assets [Axis]</link:label>
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    <link:label id="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems_f191ecea-ad05-441a-aa0c-9dc07089176b_terseLabel_en-US" xlink:label="lab_bbva_TaxEffectOfForeignTaxRatesReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax effect of foreign tax rates reconciliation [Line Items]</link:label>
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    <link:label id="lab_ifrs-full_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_42a3c713-2cc2-402c-ba60-7ab478bbfb36_terseLabel_en-US" xlink:label="lab_ifrs-full_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities at fair value through profit or loss</link:label>
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    <link:label id="lab_bbva_CorporateCenterAndAdjustmentsMember_717bad86-11f6-4100-aa0c-f809852f4ebb_terseLabel_en-US" xlink:label="lab_bbva_CorporateCenterAndAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate Center And Adjustments [Member]</link:label>
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    <link:label id="lab_ifrs-full_InvestmentsInEquityInstrumentsDesignatedAtFairValueThroughOtherComprehensiveIncomeDomain_1dabc97d-8377-463f-8c69-7efa355c05f2_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInEquityInstrumentsDesignatedAtFairValueThroughOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity instruments [Domain]</link:label>
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    <link:label id="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis_dc380c96-b754-4c57-b674-84b034a1a3c7_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Post employment commitments breakdown by detail [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis" xlink:href="bbva-20241231.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_ifrs-full_OtherReservesMember_bf1361fa-8a3e-4848-bfe6-97194bbd317a_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherReservesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_KeyManagementPersonnelCompensation_691bb723-6ddd-4f7f-ba3a-0d9f478b203c_terseLabel_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DisposalsByCompaniesHeldForSale_1af6192f-e735-454d-86dc-9e4d43ee46f8_terseLabel_en-US" xlink:label="lab_bbva_DisposalsByCompaniesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_MaturityOfFuturePaymentObligationsAxis_e115d73e-5803-4051-b194-6a70c5851dd4_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maturity of future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsAxis" xlink:href="bbva-20241231.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_bbva_TotalOfIntangibleAssetsMember_3ac90df0-a683-4a9b-ba2b-36f2879eea20_terseLabel_en-US" xlink:label="lab_bbva_TotalOfIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total of intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalOfIntangibleAssetsMember" xlink:href="bbva-20241231.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_7aa8c63d-0d9a-416e-98d9-ca095485dda3_terseLabel_en-US" xlink:label="lab_bbva_OutstandingSubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Outstanding subordinated debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OutstandingSubordinatedDebtMember" xlink:href="bbva-20241231.xsd#bbva_OutstandingSubordinatedDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OutstandingSubordinatedDebtMember" xlink:to="lab_bbva_OutstandingSubordinatedDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_d95aa077-3968-49e2-998b-35c677f246a1_terseLabel_en-US" xlink:label="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Memorandum Item subordinated liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:label id="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_label_en-US" xlink:label="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Memorandum Item subordinated liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:label id="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_documentation_en-US" xlink:label="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Memorandum Item subordinated liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:href="bbva-20241231.xsd#bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:to="lab_bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments_83bf9532-ddec-4030-a455-a972df992b4f_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bdf80918-4688-45e4-af2b-8f399da779c6_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsHeldForTradingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial assets held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsHeldForTradingMember" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsHeldForTradingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsHeldForTradingMember" xlink:to="lab_bbva_FinancialAssetsHeldForTradingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BalanceAt31stDecemberOfEachYearTable_fe092bc4-60b8-491e-a2ca-e992f709d60c_terseLabel_en-US" xlink:label="lab_bbva_BalanceAt31stDecemberOfEachYearTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balance at 31st december of each year [Table]</link:label>
    <link:label id="lab_bbva_BalanceAt31stDecemberOfEachYearTable_label_en-US" xlink:label="lab_bbva_BalanceAt31stDecemberOfEachYearTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Balance at 31st december of each year [Table]</link:label>
    <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" 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-20241231.xsd#bbva_BalanceAt31stDecemberOfEachYearTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BalanceAt31stDecemberOfEachYearTable" xlink:to="lab_bbva_BalanceAt31stDecemberOfEachYearTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock_6f4c3edc-1222-478f-b4f0-da5228dcbef6_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policy for taxes other than income tax [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting policy for taxes other than income tax [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accounting policy for taxes other than income tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" xlink:href="bbva-20241231.xsd#bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DiversificationEffectMember_66bfc32d-b639-4eb3-8d7e-2e9e311d1a87_terseLabel_en-US" xlink:label="lab_bbva_DiversificationEffectMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Diversification effect</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DiversificationEffectMember" xlink:href="bbva-20241231.xsd#bbva_DiversificationEffectMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DiversificationEffectMember" xlink:to="lab_bbva_DiversificationEffectMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LeaseReceivablesMember_d1d6d9c7-b026-4161-b36f-34c4f4a5aea2_terseLabel_en-US" xlink:label="lab_ifrs-full_LeaseReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock_02db9a7a-e02a-48b8-a196-6b5de5b28f62_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives hedge accounting and fair value changes of the hedged items in portfolio hedges of interest rate risk [Policy Text Block]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock_label_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives hedge accounting and fair value changes of the hedged items in portfolio hedges of interest rate risk [Policy Text Block]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivatives hedge accounting and fair value changes of the hedged items in portfolio hedges of interest rate risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" xlink:href="bbva-20241231.xsd#bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock"/>
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    <link:label id="lab_ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset_e3d1a229-9cad-4066-913b-05c346a58b42_terseLabel_en-US" xlink:label="lab_ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems_0df89868-25bd-42a5-a4e3-2d72e85dfa0b_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value throught other comprehensive income [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems"/>
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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" xml:lang="en-US">Deferred annual variable remuneration</link:label>
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    <link:label id="lab_bbva_DepositsInFinancialInstitutionsMember_documentation_en-US" xlink:label="lab_bbva_DepositsInFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits in financial institutions</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis_f7cb918b-9786-41e3-a2ee-aec4ddcf2667_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Financial assets at fair value breakdown by detail</link:label>
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    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations_a22aaa53-4cc0-4f2f-82b8-a2f258059627_totalLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) investing activities, continuing operations</link:label>
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    <link:label id="lab_bbva_EquityAccountedEarningsMember_9618348c-7794-466e-9e4d-31a5dc284583_terseLabel_en-US" xlink:label="lab_bbva_EquityAccountedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity accounted earnings [Member]</link:label>
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    <link:label id="lab_bbva_EquityAccountedEarningsMember_documentation_en-US" xlink:label="lab_bbva_EquityAccountedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity accounted earnings</link:label>
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    <link:label id="lab_bbva_TaxLiabilities_label_en-US" xlink:label="lab_bbva_TaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax liabilities</link:label>
    <link:label id="lab_bbva_TaxLiabilities_documentation_en-US" xlink:label="lab_bbva_TaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax liabilities</link:label>
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    <link:label id="lab_bbva_DeferredTaxAsssetsAndLiabilitiesDomain_label_en-US" xlink:label="lab_bbva_DeferredTaxAsssetsAndLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred tax asssets and liabilities [Domain]</link:label>
    <link:label id="lab_bbva_DeferredTaxAsssetsAndLiabilitiesDomain_documentation_en-US" xlink:label="lab_bbva_DeferredTaxAsssetsAndLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred tax asssets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxAsssetsAndLiabilitiesDomain" xlink:href="bbva-20241231.xsd#bbva_DeferredTaxAsssetsAndLiabilitiesDomain"/>
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    <link:label id="lab_bbva_DebtSecuritiesByRatingLineItems_a55606ca-3e86-4897-b1c2-45955ca211c1_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesByRatingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities by rating [Line Items]</link:label>
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    <link:label id="lab_bbva_OfWhichGuaranteesNonPerformingRisksMember_bfabcd35-af7f-40d0-a094-2b0c35e5bdb2_terseLabel_en-US" xlink:label="lab_bbva_OfWhichGuaranteesNonPerformingRisksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of which guarantees non performing risks [Member]</link:label>
    <link:label id="lab_bbva_OfWhichGuaranteesNonPerformingRisksMember_label_en-US" xlink:label="lab_bbva_OfWhichGuaranteesNonPerformingRisksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Of which guarantees non performing risks [Member]</link:label>
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    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementAxis_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual variable remuneration senior management [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationSeniorManagementAxis" xlink:href="bbva-20241231.xsd#bbva_AnnualVariableRemunerationSeniorManagementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationSeniorManagementAxis" xlink:to="lab_bbva_AnnualVariableRemunerationSeniorManagementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading_37f53e31-3fd3-429c-bba6-57b34e38a761_terseLabel_en-US" xlink:label="lab_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short positions held for trading</link:label>
    <link:label id="lab_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading_label_en-US" xlink:label="lab_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short positions financial liabilities held for trading</link:label>
    <link:label id="lab_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading_documentation_en-US" xlink:label="lab_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Short positions financial liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading" xlink:href="bbva-20241231.xsd#bbva_ShortPositionsFinancialLiabilitiesHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading" xlink:to="lab_bbva_ShortPositionsFinancialLiabilitiesHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment on non financial assets [Abstract]</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment on non financial assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract" xlink:href="bbva-20241231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome_cec04b6b-b461-4dcd-9296-355426009c0d_totalLabel_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income Debt securities at fair value through other comprehensive income</link:label>
    <link:label id="lab_bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income Debt securities at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:href="bbva-20241231.xsd#bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_bbva_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities_95fac90c-0497-4ff5-bea9-a5863dcd87d7_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers out of Level 3 of fair value hierarchy, liabilities</link:label>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities_label_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers out of Level 3 of fair value hierarchy, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:to="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MoreThan2121Member_e4338967-dc95-4692-b326-d2871c35bb97_terseLabel_en-US" xlink:label="lab_bbva_MoreThan2121Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 2121 [Member]</link:label>
    <link:label id="lab_bbva_MoreThan2121Member_label_en-US" xlink:label="lab_bbva_MoreThan2121Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">More than 2121 [Member]</link:label>
    <link:label id="lab_bbva_MoreThan2121Member_documentation_en-US" xlink:label="lab_bbva_MoreThan2121Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">More than 2121</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MoreThan2121Member" xlink:href="bbva-20241231.xsd#bbva_MoreThan2121Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MoreThan2121Member" xlink:to="lab_bbva_MoreThan2121Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DomesticDebtSecuritiesMember_009c3add-2c53-45a3-b092-5dc7017a533e_terseLabel_en-US" xlink:label="lab_bbva_DomesticDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Domestic debt securities [Member]</link:label>
    <link:label id="lab_bbva_DomesticDebtSecuritiesMember_label_en-US" xlink:label="lab_bbva_DomesticDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Domestic debt securities [Member]</link:label>
    <link:label id="lab_bbva_DomesticDebtSecuritiesMember_documentation_en-US" xlink:label="lab_bbva_DomesticDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Domestic debt securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DomesticDebtSecuritiesMember" xlink:href="bbva-20241231.xsd#bbva_DomesticDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DomesticDebtSecuritiesMember" xlink:to="lab_bbva_DomesticDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsAxis_7861f76b-b4cc-4408-a153-b30076fd95c6_terseLabel_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remuneration For Non Executive Directors [Axis]</link:label>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsAxis_label_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remuneration For Non Executive Directors [Axis]</link:label>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsAxis_documentation_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Remuneration For Non Executive Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationForNonExecutiveDirectorsAxis" xlink:href="bbva-20241231.xsd#bbva_RemunerationForNonExecutiveDirectorsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RemunerationForNonExecutiveDirectorsAxis" xlink:to="lab_bbva_RemunerationForNonExecutiveDirectorsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RatingDomain_511f9160-54b5-469e-ae80-6ebbf5776bf1_terseLabel_en-US" xlink:label="lab_bbva_RatingDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rating [Domain]</link:label>
    <link:label id="lab_bbva_RatingDomain_label_en-US" xlink:label="lab_bbva_RatingDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rating [Domain]</link:label>
    <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" xml:lang="en-US">Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RatingDomain" xlink:href="bbva-20241231.xsd#bbva_RatingDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RatingDomain" xlink:to="lab_bbva_RatingDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdvancesThatAreNotLoansMember_c5bed501-d8de-44ed-a092-9af46890ac23_terseLabel_en-US" xlink:label="lab_bbva_AdvancesThatAreNotLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances that are not loans [Member]</link:label>
    <link:label id="lab_bbva_AdvancesThatAreNotLoansMember_label_en-US" xlink:label="lab_bbva_AdvancesThatAreNotLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Advances that are not loans [Member]</link:label>
    <link:label id="lab_bbva_AdvancesThatAreNotLoansMember_documentation_en-US" xlink:label="lab_bbva_AdvancesThatAreNotLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Advances that are not loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdvancesThatAreNotLoansMember" xlink:href="bbva-20241231.xsd#bbva_AdvancesThatAreNotLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdvancesThatAreNotLoansMember" xlink:to="lab_bbva_AdvancesThatAreNotLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RecognizedInefectivenessInProfitOrLossMember_2eae6e09-adfa-4a8f-9f3e-eaaaeab21f2d_terseLabel_en-US" xlink:label="lab_bbva_RecognizedInefectivenessInProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recognized inefectiveness in profit or loss [Member]</link:label>
    <link:label id="lab_bbva_RecognizedInefectivenessInProfitOrLossMember_label_en-US" xlink:label="lab_bbva_RecognizedInefectivenessInProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recognized inefectiveness in profit or loss [Member]</link:label>
    <link:label id="lab_bbva_RecognizedInefectivenessInProfitOrLossMember_documentation_en-US" xlink:label="lab_bbva_RecognizedInefectivenessInProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Recognized inefectiveness in profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RecognizedInefectivenessInProfitOrLossMember" xlink:href="bbva-20241231.xsd#bbva_RecognizedInefectivenessInProfitOrLossMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RecognizedInefectivenessInProfitOrLossMember" xlink:to="lab_bbva_RecognizedInefectivenessInProfitOrLossMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BookValueMember_3c4fe3a0-ac24-40bb-a6dc-546cae459bef_terseLabel_en-US" xlink:label="lab_bbva_BookValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Book value [Member]</link:label>
    <link:label id="lab_bbva_BookValueMember_label_en-US" xlink:label="lab_bbva_BookValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Book value [Member]</link:label>
    <link:label id="lab_bbva_BookValueMember_documentation_en-US" xlink:label="lab_bbva_BookValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Book value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BookValueMember" xlink:href="bbva-20241231.xsd#bbva_BookValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BookValueMember" xlink:to="lab_bbva_BookValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommitmentsAndGuaranteesGivenAbstract_label_en-US" xlink:label="lab_bbva_CommitmentsAndGuaranteesGivenAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and guarantees given [Abstract]</link:label>
    <link:label id="lab_bbva_CommitmentsAndGuaranteesGivenAbstract_documentation_en-US" xlink:label="lab_bbva_CommitmentsAndGuaranteesGivenAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Commitments and guarantees given [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommitmentsAndGuaranteesGivenAbstract" xlink:href="bbva-20241231.xsd#bbva_CommitmentsAndGuaranteesGivenAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommitmentsAndGuaranteesGivenAbstract" xlink:to="lab_bbva_CommitmentsAndGuaranteesGivenAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersAndOtherChangesForPensions_9e845893-23be-4008-98ba-9d4fef9a8bdd_terseLabel_en-US" xlink:label="lab_bbva_TransfersAndOtherChangesForPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers and other changes</link:label>
    <link:label id="lab_bbva_TransfersAndOtherChangesForPensions_label_en-US" xlink:label="lab_bbva_TransfersAndOtherChangesForPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers and other changes for pensions</link:label>
    <link:label id="lab_bbva_TransfersAndOtherChangesForPensions_documentation_en-US" xlink:label="lab_bbva_TransfersAndOtherChangesForPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transfers and other changes for pensions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersAndOtherChangesForPensions" xlink:href="bbva-20241231.xsd#bbva_TransfersAndOtherChangesForPensions"/>
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    <link:label id="lab_bbva_OtherAccumulatedIncomeAndOtherReservesMember_b3b6fc86-4cd2-42be-b15e-d0b37a9bad67_terseLabel_en-US" xlink:label="lab_bbva_OtherAccumulatedIncomeAndOtherReservesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other accumulated income and other reserves [Member]</link:label>
    <link:label id="lab_bbva_OtherAccumulatedIncomeAndOtherReservesMember_label_en-US" xlink:label="lab_bbva_OtherAccumulatedIncomeAndOtherReservesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other accumulated income and other reserves [Member]</link:label>
    <link:label id="lab_bbva_OtherAccumulatedIncomeAndOtherReservesMember_documentation_en-US" xlink:label="lab_bbva_OtherAccumulatedIncomeAndOtherReservesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other accumulated income and other reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAccumulatedIncomeAndOtherReservesMember" xlink:href="bbva-20241231.xsd#bbva_OtherAccumulatedIncomeAndOtherReservesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherAccumulatedIncomeAndOtherReservesMember" xlink:to="lab_bbva_OtherAccumulatedIncomeAndOtherReservesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_69366ed5-6455-4347-b190-246caede8ee4_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_OtherIssuersMember_e1b9c149-433d-4639-9462-f834d19aa10e_terseLabel_en-US" xlink:label="lab_bbva_OtherIssuersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other issuers [Member]</link:label>
    <link:label id="lab_bbva_OtherIssuersMember_label_en-US" xlink:label="lab_bbva_OtherIssuersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other issuers [Member]</link:label>
    <link:label id="lab_bbva_OtherIssuersMember_documentation_en-US" xlink:label="lab_bbva_OtherIssuersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other issuers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIssuersMember" xlink:href="bbva-20241231.xsd#bbva_OtherIssuersMember"/>
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    <link:label id="lab_ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsTable_6e22b665-7a1b-4aaa-a859-d44538e73931_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity analysis [Table]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsTable" xlink:to="lab_ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BasicAndDilutedEarningsPerShareTableTextBlock_c1e9ec74-bd47-4d32-8505-667162500d29_terseLabel_en-US" xlink:label="lab_bbva_BasicAndDilutedEarningsPerShareTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic and diluted earnings per share [Table Text Block]</link:label>
    <link:label id="lab_bbva_BasicAndDilutedEarningsPerShareTableTextBlock_label_en-US" xlink:label="lab_bbva_BasicAndDilutedEarningsPerShareTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basic and diluted earnings per share [Table Text Block]</link:label>
    <link:label id="lab_bbva_BasicAndDilutedEarningsPerShareTableTextBlock_documentation_en-US" xlink:label="lab_bbva_BasicAndDilutedEarningsPerShareTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Basic and diluted earnings per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BasicAndDilutedEarningsPerShareTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_BasicAndDilutedEarningsPerShareTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BasicAndDilutedEarningsPerShareTableTextBlock" xlink:to="lab_bbva_BasicAndDilutedEarningsPerShareTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAColombiaGroupMember_2b691e83-d0d0-4fc7-bc74-399c44463297_terseLabel_en-US" xlink:label="lab_bbva_BBVAColombiaGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBVA Colombia group [Member]</link:label>
    <link:label id="lab_bbva_BBVAColombiaGroupMember_label_en-US" xlink:label="lab_bbva_BBVAColombiaGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BBVA Colombia group [Member]</link:label>
    <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" xml:lang="en-US">BBVA Colombia group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAColombiaGroupMember" xlink:href="bbva-20241231.xsd#bbva_BBVAColombiaGroupMember"/>
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    <link:label id="lab_bbva_CommoditiesMember_004f7bc0-c10b-4726-b0b5-06a81370d82b_terseLabel_en-US" xlink:label="lab_bbva_CommoditiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commodities [Member]</link:label>
    <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" 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" xml:lang="en-US">Commodities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommoditiesMember" xlink:href="bbva-20241231.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"/>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Abstract]</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" xlink:href="bbva-20241231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain_34632491-7d99-424c-bf5a-076aa1183e2a_terseLabel_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Notional maturities of the hedging instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain" xlink:href="bbva-20241231.xsd#bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain" xlink:to="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfInterestRatesAxis_6c980da1-67f2-437e-8a99-df06c0641be4_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfInterestRatesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate [Axis]</link:label>
    <link:label id="lab_ifrs-full_TypesOfInterestRatesAxis_label_en-US" xlink:label="lab_ifrs-full_TypesOfInterestRatesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of interest rates [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfInterestRatesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TypesOfInterestRatesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfInterestRatesAxis" xlink:to="lab_ifrs-full_TypesOfInterestRatesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAAndSpanishSubsidiariesMember_5107cf6d-bf3d-46d4-9458-2ca19f285e84_terseLabel_en-US" xlink:label="lab_bbva_BBVAAndSpanishSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBVA and Spanish Subsidiaries [Member]</link:label>
    <link:label id="lab_bbva_BBVAAndSpanishSubsidiariesMember_label_en-US" xlink:label="lab_bbva_BBVAAndSpanishSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BBVA and Spanish Subsidiaries [Member]</link:label>
    <link:label id="lab_bbva_BBVAAndSpanishSubsidiariesMember_documentation_en-US" xlink:label="lab_bbva_BBVAAndSpanishSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBVA and Spanish Subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAAndSpanishSubsidiariesMember" xlink:href="bbva-20241231.xsd#bbva_BBVAAndSpanishSubsidiariesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAAndSpanishSubsidiariesMember" xlink:to="lab_bbva_BBVAAndSpanishSubsidiariesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RCIColombiaMember_ce796a43-3a55-4926-bce8-35f65fe0db03_terseLabel_en-US" xlink:label="lab_bbva_RCIColombiaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">RCI Colombia [Member]</link:label>
    <link:label id="lab_bbva_RCIColombiaMember_label_en-US" xlink:label="lab_bbva_RCIColombiaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">RCI Colombia [Member]</link:label>
    <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" xml:lang="en-US">RCI Colombia</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RCIColombiaMember" xlink:href="bbva-20241231.xsd#bbva_RCIColombiaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RCIColombiaMember" xlink:to="lab_bbva_RCIColombiaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentAccountingStandard_17f5ca72-6876-4410-9530-53be4a230823_terseLabel_en-US" xlink:label="lab_dei_DocumentAccountingStandard" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_bbva_TangibleAssetsBreakdownByDetailDomain_c18f8f4c-72d3-454a-8753-b1a7d2d70769_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets breakdown by detail [Domain]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByDetailDomain_label_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tangible assets breakdown by detail [Domain]</link:label>
    <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" xml:lang="en-US">Tangible assets breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsBreakdownByDetailDomain" xlink:href="bbva-20241231.xsd#bbva_TangibleAssetsBreakdownByDetailDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TangibleAssetsBreakdownByDetailDomain" xlink:to="lab_bbva_TangibleAssetsBreakdownByDetailDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesTableTextBlock_8de91831-8878-45c6-aa7d-46ffbf842add_terseLabel_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax assets and liabilities [Table Text Block]</link:label>
    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax assets and liabilities [Table Text Block]</link:label>
    <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" xml:lang="en-US">Tax assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxAssetsAndLiabilitiesTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_TaxAssetsAndLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_bbva_TaxAssetsAndLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember_dbb6e6ff-d798-4d40-92ea-3231d2f129e0_terseLabel_en-US" xlink:label="lab_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" xlink:to="lab_bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommoditiesRiskMember_9853de17-5072-4b05-9593-1e752e4bb9b8_terseLabel_en-US" xlink:label="lab_bbva_CommoditiesRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Commodities risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommoditiesRiskMember" xlink:href="bbva-20241231.xsd#bbva_CommoditiesRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommoditiesRiskMember" xlink:to="lab_bbva_CommoditiesRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentPropertyMember_e73cb573-0b0a-4aff-bf53-aec2b2d78259_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentPropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment property [member]</link:label>
    <link:label id="lab_ifrs-full_InvestmentPropertyMember_label_en-US" xlink:label="lab_ifrs-full_InvestmentPropertyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment property [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentPropertyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InvestmentPropertyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentPropertyMember" xlink:to="lab_ifrs-full_InvestmentPropertyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ShareholderRemunerationSystemAbstract_be8b71bf-1fe2-4a85-b59e-9fde4ab63eb7_terseLabel_en-US" xlink:label="lab_bbva_ShareholderRemunerationSystemAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shareholder Remuneration System [Abstract]</link:label>
    <link:label id="lab_bbva_ShareholderRemunerationSystemAbstract_label_en-US" xlink:label="lab_bbva_ShareholderRemunerationSystemAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shareholder Remuneration System [Abstract]</link:label>
    <link:label id="lab_bbva_ShareholderRemunerationSystemAbstract_documentation_en-US" xlink:label="lab_bbva_ShareholderRemunerationSystemAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Shareholder Remuneration System [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareholderRemunerationSystemAbstract" xlink:href="bbva-20241231.xsd#bbva_ShareholderRemunerationSystemAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShareholderRemunerationSystemAbstract" xlink:to="lab_bbva_ShareholderRemunerationSystemAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SharePremiumMember_5d60a859-c0a3-4f33-802e-9c7179172ce8_terseLabel_en-US" xlink:label="lab_ifrs-full_SharePremiumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax_d97f92d7-9799-40a0-9f82-c74a492d91e2_negatedTotalLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups held for sale that will be reclassified to profit or loss net of tax</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups held for sale that will be reclassified to profit or loss net of tax</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups held for sale that will be reclassified to profit or loss net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:href="bbva-20241231.xsd#bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecurityPledgeFundingMember_714e18cb-6740-4b38-ba4b-c32ee227acb7_terseLabel_en-US" xlink:label="lab_bbva_SecurityPledgeFundingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security pledge funding [Member]</link:label>
    <link:label id="lab_bbva_SecurityPledgeFundingMember_label_en-US" xlink:label="lab_bbva_SecurityPledgeFundingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security pledge funding [Member]</link:label>
    <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" xml:lang="en-US">Security pledge funding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecurityPledgeFundingMember" xlink:href="bbva-20241231.xsd#bbva_SecurityPledgeFundingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecurityPledgeFundingMember" xlink:to="lab_bbva_SecurityPledgeFundingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest_1ccab7f7-f159-4c04-b0be-0f5268d71b2e_terseLabel_en-US" xlink:label="lab_bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of which profit from discontinued operations net of non-controlling interest</link:label>
    <link:label id="lab_bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest_label_en-US" xlink:label="lab_bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Of which profit from discontinued operations net of non-controlling interest</link:label>
    <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" xml:lang="en-US">Of which profit from discontinued operations net of non-controlling interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" xlink:href="bbva-20241231.xsd#bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" xlink:to="lab_bbva_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DebtSecurities_34cf8d4a-21fc-48ca-8d47-3f4afa6aaf98_periodStartLabel_en-US" xlink:label="lab_ifrs-full_DebtSecurities" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Debt instruments issued</link:label>
    <link:label id="lab_ifrs-full_DebtSecurities_c1ce2fc8-1079-406c-ba2f-92323574166e_periodEndLabel_en-US" xlink:label="lab_ifrs-full_DebtSecurities" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_f749e4fc-a6ca-4024-8182-7a610a76253f_terseLabel_en-US" xlink:label="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities_2c422074-916b-4e42-8ef4-87f8638ea4e6_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_PortfolioFairValueHedgesOfInterestRateRiskMember_229c1b86-3038-442b-862b-1d8a31978026_terseLabel_en-US" xlink:label="lab_bbva_PortfolioFairValueHedgesOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_2d833a44-7f1f-4c66-8f85-e8b69b015dfc_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_9ce0c8b7-1d8b-46d6-89a7-e47937683258_terseLabel_en-US" xlink:label="lab_bbva_VaREstimationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">VaR estimation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaREstimationDomain" xlink:href="bbva-20241231.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_23e16abf-493b-4d53-874c-7f6a434470c4_terseLabel_en-US" xlink:label="lab_bbva_FromChangesInDemographicAssumptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">From changes in demographic assumptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FromChangesInDemographicAssumptionsMember" xlink:href="bbva-20241231.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_b274a448-452c-4fd6-9bdf-d79cda07424d_terseLabel_en-US" xlink:label="lab_bbva_RangesTreasuryStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Ranges treasury stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RangesTreasuryStockAxis" xlink:href="bbva-20241231.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_f27f220a-cccb-44ac-a1b8-8963d7ba019b_terseLabel_en-US" xlink:label="lab_bbva_DebtCertificatesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Debt certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtCertificatesAxis" xlink:href="bbva-20241231.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_8e87310d-a8dc-4048-bb0c-e6df8c377ad9_terseLabel_en-US" xlink:label="lab_bbva_SharesOfBBVAAcceptedInPledgeLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_30483899-ee3e-46d9-b030-ffb1ed6c0106_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other intangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsLineItems" xlink:href="bbva-20241231.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_0b20a34d-e225-4633-b116-15769187c586_terseLabel_en-US" xlink:label="lab_bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_PostEmploymentCommitmentsTableTextBlock_c87c59ae-741a-40e8-9614-d3ed7b771521_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Post employment commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PostEmploymentCommitmentsTableTextBlock" xlink:href="bbva-20241231.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_c9c2c6d6-45bd-4878-bcfe-c450d7aee595_terseLabel_en-US" xlink:label="lab_bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeDomain_4d3367ea-2460-4636-af18-f489143e19f1_terseLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible Assets With Indefinite Useful Life</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeDomain_label_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible assets with indefinite useful life [domain]</link:label>
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    <link:label id="lab_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock_09dc9814-5afb-4727-95be-0473be305f07_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policy for interest income and expense [Policy Text Block]</link:label>
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    <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" 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-20241231.xsd#bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock"/>
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    <link:label id="lab_ifrs-full_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_da0264b8-d1f7-419f-99d9-09c5a1f97a1b_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">loans and advances to customers held for trading</link:label>
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    <link:label id="lab_bbva_DebtSecuritiesAvailableForSaleAxis_e446d375-1080-415a-b748-e98ade98b540_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAvailableForSaleAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities available for sale [Axis]</link:label>
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    <link:label id="lab_bbva_LiabilitiesFromFinancingActivitiesTableTextBlock_87dcf8e9-c3e6-4c81-905a-6c9f3dfaa26f_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesFromFinancingActivitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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-20241231.xsd#bbva_LiabilitiesFromFinancingActivitiesTableTextBlock"/>
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    <link:label id="lab_bbva_EstimatedBenefitPaymentsMaturityDomain_13b79591-11ad-44d9-a180-d5b03802f9fc_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsMaturityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated benefit payments maturity [Domain]</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" xml:lang="en-US">Estimated benefit payments maturity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsMaturityDomain" xlink:href="bbva-20241231.xsd#bbva_EstimatedBenefitPaymentsMaturityDomain"/>
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    <link:label id="lab_ifrs-full_RevaluationSurplusMember_8dbbc7b9-8de6-420f-8f83-dcbd6882f9ea_terseLabel_en-US" xlink:label="lab_ifrs-full_RevaluationSurplusMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revaluation surplus [member]</link:label>
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    <link:label id="lab_bbva_NetInterestIncomeAbstract_51a0eedc-6b29-4bec-9184-a5b634007634_terseLabel_en-US" xlink:label="lab_bbva_NetInterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net Interest Income [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetInterestIncomeAbstract" xlink:href="bbva-20241231.xsd#bbva_NetInterestIncomeAbstract"/>
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    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification" xlink:href="bbva-20241231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification"/>
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    <link:label id="lab_bbva_TotalCapitalTier1Tier2_e0404f2a-a522-4935-b85c-7688a4b31d93_terseLabel_en-US" xlink:label="lab_bbva_TotalCapitalTier1Tier2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital tier 1 tier 2</link:label>
    <link:label id="lab_bbva_TotalCapitalTier1Tier2_label_en-US" xlink:label="lab_bbva_TotalCapitalTier1Tier2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total capital tier 1 tier 2</link:label>
    <link:label id="lab_bbva_TotalCapitalTier1Tier2_documentation_en-US" xlink:label="lab_bbva_TotalCapitalTier1Tier2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total capital tier 1 tier 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalCapitalTier1Tier2" xlink:href="bbva-20241231.xsd#bbva_TotalCapitalTier1Tier2"/>
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    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementTable_784c0ec3-a583-45f7-a156-49896a5988a0_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual variable remuneration senior management [Table]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementTable_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual variable remuneration senior management [Table]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationSeniorManagementTable_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual variable remuneration senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationSeniorManagementTable" xlink:href="bbva-20241231.xsd#bbva_AnnualVariableRemunerationSeniorManagementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationSeniorManagementTable" xlink:to="lab_bbva_AnnualVariableRemunerationSeniorManagementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable_35dd9df9-d893-44bc-a897-1c33a8e1aa26_terseLabel_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contribution to consolidated group total assets entities by main activities [Table]</link:label>
    <link:label id="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable_label_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contribution to consolidated group total assets entities by main activities [Table]</link:label>
    <link:label id="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable_documentation_en-US" xlink:label="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" xlink:href="bbva-20241231.xsd#bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" xlink:to="lab_bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable_a2cadc09-e094-47f7-a687-54a211e40544_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives hedge accounting breakdown by type of risk and type of hedge [Table]</link:label>
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    <link:label id="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable_documentation_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" xlink:href="bbva-20241231.xsd#bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" xlink:to="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets_9ebbabe9-fe34-4a53-93bc-57ba28a46c73_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets_label_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" xlink:to="lab_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SocialSecurityContributions_1e5f0b1b-e24f-415d-9548-8547388e8425_terseLabel_en-US" xlink:label="lab_ifrs-full_SocialSecurityContributions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock_b9dbc640-1046-4a67-a730-02044d0b74f3_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" xlink:to="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksTable_3f66bbb3-25ef-4af4-b969-bc07ddf767b5_terseLabel_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impaired secured loans risks [Table]</link:label>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksTable_label_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired secured loans risks [Table]</link:label>
    <link:label id="lab_bbva_ImpairedSecuredLoansRisksTable_documentation_en-US" xlink:label="lab_bbva_ImpairedSecuredLoansRisksTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impaired secured loans risks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedSecuredLoansRisksTable" xlink:href="bbva-20241231.xsd#bbva_ImpairedSecuredLoansRisksTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairedSecuredLoansRisksTable" xlink:to="lab_bbva_ImpairedSecuredLoansRisksTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain_af04e491-9785-4de3-ad72-910cf2431ef9_terseLabel_en-US" xlink:label="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of liabilities under insurance and reinsurance contracts [Domain]</link:label>
    <link:label id="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain_label_en-US" xlink:label="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of liabilities under insurance and reinsurance contracts [Domain]</link:label>
    <link:label id="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain_documentation_en-US" xlink:label="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Types of liabilities under insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:href="bbva-20241231.xsd#bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:to="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalReturnSwapContractMember_2e26ac54-cc9d-4d73-95c8-3dfe66f079f0_terseLabel_en-US" xlink:label="lab_bbva_TotalReturnSwapContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total return swap contract [Member]</link:label>
    <link:label id="lab_bbva_TotalReturnSwapContractMember_label_en-US" xlink:label="lab_bbva_TotalReturnSwapContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total return swap contract [Member]</link:label>
    <link:label id="lab_bbva_TotalReturnSwapContractMember_documentation_en-US" xlink:label="lab_bbva_TotalReturnSwapContractMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total return swap contract</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalReturnSwapContractMember" xlink:href="bbva-20241231.xsd#bbva_TotalReturnSwapContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TotalReturnSwapContractMember" xlink:to="lab_bbva_TotalReturnSwapContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherSecuritizedAssets_b3f3a609-1acd-4155-931f-731931cb96a6_terseLabel_en-US" xlink:label="lab_bbva_OtherSecuritizedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other securitized assets</link:label>
    <link:label id="lab_bbva_OtherSecuritizedAssets_label_en-US" xlink:label="lab_bbva_OtherSecuritizedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other securitized assets</link:label>
    <link:label id="lab_bbva_OtherSecuritizedAssets_documentation_en-US" xlink:label="lab_bbva_OtherSecuritizedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other securitized assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherSecuritizedAssets" xlink:href="bbva-20241231.xsd#bbva_OtherSecuritizedAssets"/>
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    <link:label id="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParent_7296c506-9069-4770-a8a6-4a7675a9c33a_terseLabel_en-US" xlink:label="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profits or losses attributable to owners of the parent</link:label>
    <link:label id="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParent_label_en-US" xlink:label="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit or loss attributable to owners of the parent</link:label>
    <link:label id="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParent_documentation_en-US" xlink:label="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Profit or loss attributable to owners of the parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOrLossAttributableToOwnersOfTheParent" xlink:href="bbva-20241231.xsd#bbva_ProfitOrLossAttributableToOwnersOfTheParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitOrLossAttributableToOwnersOfTheParent" xlink:to="lab_bbva_ProfitOrLossAttributableToOwnersOfTheParent" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsInOtherFinancialInstitutionsMember_dac6d37c-de2b-4495-aabe-bf0e5bf7f71b_terseLabel_en-US" xlink:label="lab_bbva_DepositsInOtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deposits in other financial institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsInOtherFinancialInstitutionsMember" xlink:href="bbva-20241231.xsd#bbva_DepositsInOtherFinancialInstitutionsMember"/>
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    <link:label id="lab_bbva_UnobservableInputs_865f6045-ea9f-406b-88f2-08579f1d39af_terseLabel_en-US" xlink:label="lab_bbva_UnobservableInputs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Unobservable inputs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_UnobservableInputs" xlink:href="bbva-20241231.xsd#bbva_UnobservableInputs"/>
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    <link:label id="lab_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets_89182219-57a0-457e-9d58-ce7ecd4c6d34_terseLabel_en-US" xlink:label="lab_bbva_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_f1401ecc-6f52-4bac-b940-c2ccd248b3cf_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember_1d402e15-79e9-44bc-ba5b-6c0263180762_terseLabel_en-US" xlink:label="lab_bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Series 14 Non-Step- Up Non- Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities [Member]</link:label>
    <link:label id="lab_bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember_label_en-US" xlink:label="lab_bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Series 14 Non-Step- Up Non- Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities [Member]</link:label>
    <link:label id="lab_bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember_documentation_en-US" xlink:label="lab_bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Series 14 Non-Step- Up Non- Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember" xlink:href="bbva-20241231.xsd#bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember" xlink:to="lab_bbva_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock_bcefcd4a-ccb0-40d1-92c3-d785aa314f4c_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_14052772-7fb3-413a-9394-680876d393da_terseLabel_en-US" xlink:label="lab_bbva_ValuationTechniques" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Valuation techniques</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValuationTechniques" xlink:href="bbva-20241231.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_bbva_SurveillanceAndSecurityServiceExpense_b629ecec-a1b5-4f4d-9614-7556164f1e33_terseLabel_en-US" xlink:label="lab_bbva_SurveillanceAndSecurityServiceExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Surveillance and security service expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SurveillanceAndSecurityServiceExpense" xlink:href="bbva-20241231.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_BBVACashBalanceAvailableToTheDate_c275cfe7-90a3-4ca6-b16b-ba551dd098cf_terseLabel_en-US" xlink:label="lab_bbva_BBVACashBalanceAvailableToTheDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_1e84306e-f757-43d4-8de0-7b4630031430_terseLabel_en-US" xlink:label="lab_bbva_Tier1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Tier 1 eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier1EligibleCapitalResources" xlink:href="bbva-20241231.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_ebde621f-7ab7-497c-b3ec-1005c1ceea7d_terseLabel_en-US" xlink:label="lab_bbva_InstrumentsCoveredByFairValueHedgesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_0455c8b0-dbfa-4d03-8ac0-08d3332e9e55_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesLevel3Total" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial liabilities level 3 total</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesLevel3Total" xlink:href="bbva-20241231.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"/>
    <link:label id="lab_bbva_DefinedBenefitsTableTextBlock_205c0536-5332-41ef-8eb1-ba8d3a4d264e_terseLabel_en-US" xlink:label="lab_bbva_DefinedBenefitsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined benefits [Table Text Block]</link:label>
    <link:label id="lab_bbva_DefinedBenefitsTableTextBlock_label_en-US" xlink:label="lab_bbva_DefinedBenefitsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined benefits [Table Text Block]</link:label>
    <link:label id="lab_bbva_DefinedBenefitsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DefinedBenefitsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedBenefitsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_DefinedBenefitsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedBenefitsTableTextBlock" xlink:to="lab_bbva_DefinedBenefitsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssuedByFinancialInstitutionsMember_992eebc9-b2c9-49e4-9444-fd689db1d7eb_terseLabel_en-US" xlink:label="lab_bbva_IssuedByFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issued by financial institutions [Member]</link:label>
    <link:label id="lab_bbva_IssuedByFinancialInstitutionsMember_label_en-US" xlink:label="lab_bbva_IssuedByFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issued by financial institutions [Member]</link:label>
    <link:label id="lab_bbva_IssuedByFinancialInstitutionsMember_documentation_en-US" xlink:label="lab_bbva_IssuedByFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issued by financial institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssuedByFinancialInstitutionsMember" xlink:href="bbva-20241231.xsd#bbva_IssuedByFinancialInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IssuedByFinancialInstitutionsMember" xlink:to="lab_bbva_IssuedByFinancialInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable_3c720c34-122b-493c-864d-a4937b2138b8_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains or losses on financial assets and liabilities and exchange differences breakdown by heading on the balance sheet [Table]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains or losses on financial assets and liabilities and exchange differences breakdown by heading on the balance sheet [Table]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" xlink:href="bbva-20241231.xsd#bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" xlink:to="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PercentageRatioPhaseIn_75bd1ddd-2ae9-45a4-962e-0ea9b9dc3967_terseLabel_en-US" xlink:label="lab_bbva_PercentageRatioPhaseIn" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage ratio phase in</link:label>
    <link:label id="lab_bbva_PercentageRatioPhaseIn_label_en-US" xlink:label="lab_bbva_PercentageRatioPhaseIn" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage ratio phase in</link:label>
    <link:label id="lab_bbva_PercentageRatioPhaseIn_documentation_en-US" xlink:label="lab_bbva_PercentageRatioPhaseIn" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage ratio phase in</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageRatioPhaseIn" xlink:href="bbva-20241231.xsd#bbva_PercentageRatioPhaseIn"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PercentageRatioPhaseIn" xlink:to="lab_bbva_PercentageRatioPhaseIn" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember_68044bf6-85c8-45d7-883d-05a6ded2f6a0_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Increase (decrease) due to changes in accounting policy [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember"/>
    <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_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable_885d467b-130e-4fff-b13a-d1e29740c3ba_terseLabel_en-US" xlink:label="lab_bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reconciliation Of Changes In Goodwill Breakdown by CGUT [Table]</link:label>
    <link:label id="lab_bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable_label_en-US" xlink:label="lab_bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reconciliation Of Changes In Goodwill Breakdown by CGUT [Table]</link:label>
    <link:label id="lab_bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable_documentation_en-US" xlink:label="lab_bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reconciliation Of Changes In Goodwill Breakdown by CGUT</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" xlink:href="bbva-20241231.xsd#bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" xlink:to="lab_bbva_ReconciliationOfChangesInGoodwillBreakdownByCGUTTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherEffectsPostEmploymentCommitmentsMember_2c555f97-58a9-42f9-a88d-13c33eb60f10_terseLabel_en-US" xlink:label="lab_bbva_OtherEffectsPostEmploymentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other effects Post employment commitments [Member]</link:label>
    <link:label id="lab_bbva_OtherEffectsPostEmploymentCommitmentsMember_label_en-US" xlink:label="lab_bbva_OtherEffectsPostEmploymentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other effects Post employment commitments [Member]</link:label>
    <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" xml:lang="en-US">Other effects Post employment commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherEffectsPostEmploymentCommitmentsMember" xlink:href="bbva-20241231.xsd#bbva_OtherEffectsPostEmploymentCommitmentsMember"/>
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    <link:label id="lab_bbva_May31ToAug31Member_fc7af8e6-4f4a-415d-9b25-fc265ef95244_terseLabel_en-US" xlink:label="lab_bbva_May31ToAug31Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">May-31 to Aug-31 [Member]</link:label>
    <link:label id="lab_bbva_May31ToAug31Member_label_en-US" xlink:label="lab_bbva_May31ToAug31Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">May-31 to Aug-31 [Member]</link:label>
    <link:label id="lab_bbva_May31ToAug31Member_documentation_en-US" xlink:label="lab_bbva_May31ToAug31Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">May-31 to Aug-31</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_May31ToAug31Member" xlink:href="bbva-20241231.xsd#bbva_May31ToAug31Member"/>
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    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems_442166f1-19e3-4d07-8b2f-56e0077fa485_terseLabel_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in gross accounting balances and allowances of loans and advances at amortized cost [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems_label_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes in gross accounting balances and allowances of loans and advances at amortized cost [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems_documentation_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Changes in gross accounting balances and allowances of loans and advances at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" xlink:href="bbva-20241231.xsd#bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems"/>
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    <link:label id="lab_bbva_FeesForAuditsConductedTableTextBlock_7776ddf0-e143-4420-9521-7a849a81373a_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fees for audits conducted [Table Text Block]</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedTableTextBlock_label_en-US" xlink:label="lab_bbva_FeesForAuditsConductedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fees for audits conducted [Table Text Block]</link:label>
    <link:label id="lab_bbva_FeesForAuditsConductedTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FeesForAuditsConductedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fees for audits conducted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FeesForAuditsConductedTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_FeesForAuditsConductedTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FeesForAuditsConductedTableTextBlock" xlink:to="lab_bbva_FeesForAuditsConductedTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherFeeAndCommissionIncome_e88aa2e4-ef21-417d-933e-a37b6edafe64_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other fee and commission income</link:label>
    <link:label id="lab_ifrs-full_OtherFeeAndCommissionIncome_label_en-US" xlink:label="lab_ifrs-full_OtherFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other fee and commission income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherFeeAndCommissionIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherFeeAndCommissionIncome"/>
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    <link:label id="lab_bbva_VenezuelaBolivarMember_e4f3e301-4944-453f-861d-e53d2f304ea5_terseLabel_en-US" xlink:label="lab_bbva_VenezuelaBolivarMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Venezuela bolivar</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VenezuelaBolivarMember" xlink:href="bbva-20241231.xsd#bbva_VenezuelaBolivarMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VenezuelaBolivarMember" xlink:to="lab_bbva_VenezuelaBolivarMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis_8fa882c2-c76a-4f86-865c-302b4c9d1e1b_terseLabel_en-US" xlink:label="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of liabilities under insurance and reinsurance contracts [Axis]</link:label>
    <link:label id="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis_label_en-US" xlink:label="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of liabilities under insurance and reinsurance contracts [Axis]</link:label>
    <link:label id="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis_documentation_en-US" xlink:label="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Types of liabilities under insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:href="bbva-20241231.xsd#bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:to="lab_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain_e8db7154-3652-4dde-acb1-138d9e8478c1_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value breakdown by type of asset [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value breakdown by type of asset [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets at fair value breakdown by type of asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" xlink:to="lab_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2019Member_0194b349-2459-46f7-b5b3-67b13ca75d87_terseLabel_en-US" xlink:label="lab_bbva_A2019Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2019 [Member]</link:label>
    <link:label id="lab_bbva_A2019Member_label_en-US" xlink:label="lab_bbva_A2019Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2019 [Member]</link:label>
    <link:label id="lab_bbva_A2019Member_documentation_en-US" xlink:label="lab_bbva_A2019Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2019</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2019Member" xlink:href="bbva-20241231.xsd#bbva_A2019Member"/>
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    <link:label id="lab_ifrs-full_CategoriesOfRelatedPartiesDomain_1b2f4afa-e795-4e5b-9932-17a6c0a77bf2_terseLabel_en-US" xlink:label="lab_ifrs-full_CategoriesOfRelatedPartiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Categories of related parties [Domain]</link:label>
    <link:label id="lab_ifrs-full_CategoriesOfRelatedPartiesDomain_label_en-US" xlink:label="lab_ifrs-full_CategoriesOfRelatedPartiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Categories of related parties [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CategoriesOfRelatedPartiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CategoriesOfRelatedPartiesDomain"/>
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    <link:label id="lab_bbva_CashAsCollateralMember_11d5d56d-b685-4d64-8896-263eb2f01244_terseLabel_en-US" xlink:label="lab_bbva_CashAsCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash as collateral [Member]</link:label>
    <link:label id="lab_bbva_CashAsCollateralMember_label_en-US" xlink:label="lab_bbva_CashAsCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash as collateral [Member]</link:label>
    <link:label id="lab_bbva_CashAsCollateralMember_documentation_en-US" xlink:label="lab_bbva_CashAsCollateralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash as collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashAsCollateralMember" xlink:href="bbva-20241231.xsd#bbva_CashAsCollateralMember"/>
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    <link:label id="lab_ifrs-full_Provisions_e0ea1a8a-314f-4481-8068-6562a0904897_totalLabel_en-US" xlink:label="lab_ifrs-full_Provisions" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Provisions</link:label>
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    <link:label id="lab_ifrs-full_Provisions_label_en-US" xlink:label="lab_ifrs-full_Provisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Provisions" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_Provisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Provisions" xlink:to="lab_ifrs-full_Provisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems_e798a413-8f4c-43c5-a2d5-7f75037119a9_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Impairment Or Reversal Of Impairment On Non Financial Assets [Line Items]</link:label>
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    <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" 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_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" xlink:to="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl_22b592fa-7559-4249-b927-6caf25e899e7_terseLabel_en-US" xlink:label="lab_bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Limited review of bbva sa or its companies under control</link:label>
    <link:label id="lab_bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl_label_en-US" xlink:label="lab_bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Limited review of bbva sa or its companies under control</link:label>
    <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" xml:lang="en-US">Limited review of bbva sa or its companies under control</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl" xlink:href="bbva-20241231.xsd#bbva_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl"/>
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    <link:label id="lab_bbva_A3.875Member_adb12f79-6927-4485-adf9-06bfc092a5d0_terseLabel_en-US" xlink:label="lab_bbva_A3.875Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">3.875% [Member]</link:label>
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    <link:label id="lab_bbva_A3.875Member_documentation_en-US" xlink:label="lab_bbva_A3.875Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">3.875%</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A3.875Member" xlink:href="bbva-20241231.xsd#bbva_A3.875Member"/>
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    <link:label id="lab_ifrs-full_DebtInstrumentsHeldAtAmortisedCost_8e231446-9e7f-49bb-b5c3-5d71481e3c86_terseLabel_en-US" xlink:label="lab_ifrs-full_DebtInstrumentsHeldAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt instruments held at amortised cost</link:label>
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    <link:label id="lab_ifrs-full_DebtInstrumentsHeldAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_DebtInstrumentsHeldAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt instruments held at amortised cost</link:label>
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    <link:label id="lab_ifrs-full_DebtSecuritiesMember_6944c52f-d704-4369-a096-53a5c25fca92_terseLabel_en-US" xlink:label="lab_ifrs-full_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities [Member]</link:label>
    <link:label id="lab_ifrs-full_DebtSecuritiesMember_label_en-US" xlink:label="lab_ifrs-full_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt securities [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DebtSecuritiesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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"/>
    <link:label id="lab_bbva_PlanAssetsBreakdownTableTextBlock_10f77877-ca35-40c3-b224-18594708f09b_terseLabel_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PlanAssetsBreakdownTableTextBlock" xlink:href="bbva-20241231.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_09d5c061-5f74-4985-b526-2ba6f4389b54_terseLabel_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_Jun30Member_b4084a8a-8ab3-43a8-93ba-2641e619c115_terseLabel_en-US" xlink:label="lab_bbva_Jun30Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Jun-30 [Member]</link:label>
    <link:label id="lab_bbva_Jun30Member_label_en-US" xlink:label="lab_bbva_Jun30Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jun-30 [Member]</link:label>
    <link:label id="lab_bbva_Jun30Member_documentation_en-US" xlink:label="lab_bbva_Jun30Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Jun-30</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Jun30Member" xlink:href="bbva-20241231.xsd#bbva_Jun30Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Jun30Member" xlink:to="lab_bbva_Jun30Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdvertisingExpense_74bf6ad1-ba3f-41cf-a739-1381258c8e76_terseLabel_en-US" xlink:label="lab_ifrs-full_AdvertisingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_PlanAssetsBreakdownLineItems_2470817f-2914-4f36-957d-9c60cb1effa7_terseLabel_en-US" xlink:label="lab_bbva_PlanAssetsBreakdownLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PlanAssetsBreakdownLineItems" xlink:href="bbva-20241231.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_ifrs-full_OtherLongtermProvisions_b484c15e-f9bd-4191-b800-8c8d64f389ae_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherLongtermProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other long term employee benefits</link:label>
    <link:label id="lab_ifrs-full_OtherLongtermProvisions_label_en-US" xlink:label="lab_ifrs-full_OtherLongtermProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other non-current provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherLongtermProvisions" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherLongtermProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherLongtermProvisions" xlink:to="lab_ifrs-full_OtherLongtermProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtCertificatesIssuedLineItems_f5d48791-7610-4013-ac21-5bdd0b272c62_terseLabel_en-US" xlink:label="lab_bbva_DebtCertificatesIssuedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Debt certificates issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtCertificatesIssuedLineItems" xlink:href="bbva-20241231.xsd#bbva_DebtCertificatesIssuedLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtCertificatesIssuedLineItems" xlink:to="lab_bbva_DebtCertificatesIssuedLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LtSCDByLMUTableTextBlock_bee87103-9ea6-439c-86de-07a518df59fc_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMUTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LtSCD by LMU [Table Text Block]</link:label>
    <link:label id="lab_bbva_LtSCDByLMUTableTextBlock_label_en-US" xlink:label="lab_bbva_LtSCDByLMUTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">LtSCD by LMU [Table Text Block]</link:label>
    <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" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMUTableTextBlock" xlink:href="bbva-20241231.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_a4d67eab-b6bc-40f9-8678-30ff39abc263_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfNetInterestIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Net interest income [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfNetInterestIncomeTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfNetInterestIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Net interest income [Text Block]</link:label>
    <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" xml:lang="en-US">Disclosure of Net interest income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfNetInterestIncomeTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfNetInterestIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfNetInterestIncomeTextBlock" xlink:to="lab_bbva_DisclosureOfNetInterestIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityTable_67739a3a-98da-46a3-8a37-fbdb9dceea22_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain_41b215a5-7ca4-43bc-a85f-34bf7bffbe80_terseLabel_en-US" xlink:label="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Breakdown of liabilities under insurance and reinsurance contracts that are liabilities [Domain]</link:label>
    <link:label id="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain_label_en-US" xlink:label="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Breakdown of liabilities under insurance and reinsurance contracts that are liabilities [Domain]</link:label>
    <link:label id="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain_documentation_en-US" xlink:label="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Breakdown of liabilities under insurance and reinsurance contracts that are liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain" xlink:href="bbva-20241231.xsd#bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain" xlink:to="lab_bbva_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock_7dbc3976-db51-41a7-a6e7-3447025e84d5_terseLabel_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in impaired financial assets written off from the balance sheet [Table Text Block]</link:label>
    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock_label_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes in impaired financial assets written off from the balance sheet [Table Text Block]</link:label>
    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Changes in impaired financial assets written off from the balance sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" xlink:to="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitOrLossForTheYearAllocationOfEarnings_a1c002b4-778f-48fc-b546-f1b0998d0cab_terseLabel_en-US" xlink:label="lab_bbva_ProfitOrLossForTheYearAllocationOfEarnings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit or loss for the year allocation of earnings</link:label>
    <link:label id="lab_bbva_ProfitOrLossForTheYearAllocationOfEarnings_label_en-US" xlink:label="lab_bbva_ProfitOrLossForTheYearAllocationOfEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit or loss for the year allocation of earnings</link:label>
    <link:label id="lab_bbva_ProfitOrLossForTheYearAllocationOfEarnings_documentation_en-US" xlink:label="lab_bbva_ProfitOrLossForTheYearAllocationOfEarnings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Profit or loss for the year allocation of earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitOrLossForTheYearAllocationOfEarnings" xlink:href="bbva-20241231.xsd#bbva_ProfitOrLossForTheYearAllocationOfEarnings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitOrLossForTheYearAllocationOfEarnings" xlink:to="lab_bbva_ProfitOrLossForTheYearAllocationOfEarnings" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DemandDepositsAmortizedCostMember_5e84393b-aef0-4bcd-8664-fb7895390040_terseLabel_en-US" xlink:label="lab_bbva_DemandDepositsAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Demand Deposits [Member]</link:label>
    <link:label id="lab_bbva_DemandDepositsAmortizedCostMember_label_en-US" xlink:label="lab_bbva_DemandDepositsAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Demand Deposits amortized cost [Member]</link:label>
    <link:label id="lab_bbva_DemandDepositsAmortizedCostMember_documentation_en-US" xlink:label="lab_bbva_DemandDepositsAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Demand Deposits amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DemandDepositsAmortizedCostMember" xlink:href="bbva-20241231.xsd#bbva_DemandDepositsAmortizedCostMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DemandDepositsAmortizedCostMember" xlink:to="lab_bbva_DemandDepositsAmortizedCostMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale_2096bd31-0991-447c-a5f6-1e3b998ba9fe_negatedTerseLabel_en-US" xlink:label="lab_bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications of non current assets held for sale</link:label>
    <link:label id="lab_bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale_label_en-US" xlink:label="lab_bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other reclassifications of non current assets held for sale</link:label>
    <link:label id="lab_bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other reclassifications of non current assets held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale" xlink:href="bbva-20241231.xsd#bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale" xlink:to="lab_bbva_OtherReclassificationsOfNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsMember_3c406de4-7c5f-4154-b664-0831319aa27f_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial instruments [Member]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsMember_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments [Member]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsMember_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsMember" xlink:href="bbva-20241231.xsd#bbva_FinancialInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsMember" xlink:to="lab_bbva_FinancialInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationLineItems_9f289b49-d00b-4d56-97e2-95229c0f145f_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Document Information [Line Items]</link:label>
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    <link:label id="lab_bbva_DebtCertificatesMember_documentation_en-US" xlink:label="lab_bbva_DebtCertificatesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt certificates</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" xml:lang="en-US">Concept</link:label>
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    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_9d35c06b-7183-4f05-b09f-35e4703eff32_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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_ConsolidatedStatementsOfCashFlowsAbstract_label_en-US" xlink:label="lab_bbva_ConsolidatedStatementsOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated statements of cash flows [Abstract]</link:label>
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    <link:label id="lab_bbva_DeferredTaxAssetsMember_documentation_en-US" xlink:label="lab_bbva_DeferredTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred tax assets</link:label>
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    <link:label id="lab_bbva_LiquidityAvailableByInstrumentsDomain_8739a4eb-c35d-43d2-9e3f-7a9f5c03383f_terseLabel_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liquidity available by instruments [Domain]</link:label>
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    <link:label id="lab_bbva_LiquidityAvailableByInstrumentsDomain_documentation_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liquidity available by instruments</link:label>
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    <link:label id="lab_bbva_FeeAndCommissionIncomeAndExpensesAbstract_c08f780a-ebf5-4af2-a3b2-baff65637bde_terseLabel_en-US" xlink:label="lab_bbva_FeeAndCommissionIncomeAndExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fee and commission income and expenses [Abstract]</link:label>
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    <link:label id="lab_ifrs-full_FairValueHedgesMember_d45dcda5-6268-4865-b7ab-c768b96fdd26_terseLabel_en-US" xlink:label="lab_ifrs-full_FairValueHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value hedges [member]</link:label>
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    <link:label id="lab_ifrs-full_WagesAndSalaries_1cd458de-2379-4854-95ac-6ad4570a162f_terseLabel_en-US" xlink:label="lab_ifrs-full_WagesAndSalaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Wages and salaries</link:label>
    <link:label id="lab_ifrs-full_WagesAndSalaries_label_en-US" xlink:label="lab_ifrs-full_WagesAndSalaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Wages and salaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_WagesAndSalaries" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_WagesAndSalaries"/>
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    <link:label id="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations_d8dc6436-4480-4078-aba0-5dd6b08badb2_terseLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share from discontinued operations</link:label>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share from discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations"/>
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    <link:label id="lab_ifrs-full_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome_48bbdeb9-6932-4472-86a2-12faf4cb36ec_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to credit institutions at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances to banks measured at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember_c37fecd2-25cb-4be7-9071-17f60db5aa8a_terseLabel_en-US" xlink:label="lab_bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract_label_en-US" xlink:label="lab_bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share of profit or loss of entities accounted for using the equity method [Abstract]</link:label>
    <link:label id="lab_bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract_documentation_en-US" xlink:label="lab_bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share of profit or loss of entities accounted for using the equity method [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" xlink:href="bbva-20241231.xsd#bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" xlink:to="lab_bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_StagesDomain_e529e8e0-9e73-408a-92e9-9ece0c41e9ae_terseLabel_en-US" xlink:label="lab_bbva_StagesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stages [Domain]</link:label>
    <link:label id="lab_bbva_StagesDomain_label_en-US" xlink:label="lab_bbva_StagesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stages [Domain]</link:label>
    <link:label id="lab_bbva_StagesDomain_documentation_en-US" xlink:label="lab_bbva_StagesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stages</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_StagesDomain" xlink:href="bbva-20241231.xsd#bbva_StagesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_StagesDomain" xlink:to="lab_bbva_StagesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OutflowsOfCashFromInvestingActivities_fc9d0a9c-522e-4513-b837-5770e14c33d8_negatedTotalLabel_en-US" xlink:label="lab_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock_04a9840e-4aad-4184-b6d3-0458e46981f6_terseLabel_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variation in liabilities under Insurance and Reinsurance contracts by valuation components [Table Text Block]</link:label>
    <link:label id="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock_label_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variation in liabilities under Insurance and Reinsurance contracts by valuation components [Table Text Block]</link:label>
    <link:label id="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variation in liabilities under Insurance and Reinsurance contracts analyzed by valuation components</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock" xlink:to="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Black76Member_e19a6c84-7347-4e7d-87ef-c34cc62d2736_terseLabel_en-US" xlink:label="lab_bbva_Black76Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Black 76</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Black76Member" xlink:href="bbva-20241231.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_ifrs-full_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome_5485e74d-f5fd-4e46-a42a-94f59220967c_terseLabel_en-US" xlink:label="lab_ifrs-full_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt instruments held measured at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems_e567704c-b60f-4af5-9fbb-3b51dc700186_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources_267d2627-5aac-4dca-8845-f6f094b558f5_terseLabel_en-US" xlink:label="lab_bbva_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_cf4f71d8-f32b-47e6-8af7-da96e6f7cf2d_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsLineItems" xlink:href="bbva-20241231.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_ebf43f17-16a2-4907-9f4a-91e6c6ef5470_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureToCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_MaximumCreditRiskExposureToCustomersAxis"/>
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    <link:label id="lab_bbva_FinancialAssetsHeldForTrading_f8a85b45-2e7a-4821-bb46-9ddfd2130a91_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial assets held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsHeldForTrading" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsHeldForTrading"/>
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    <link:label id="lab_bbva_OperatingSegmentReportingAbstract_cb56598c-7fd1-4414-88a7-dec071cedc79_terseLabel_en-US" xlink:label="lab_bbva_OperatingSegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Segments Reporting [Abstract]</link:label>
    <link:label id="lab_bbva_OperatingSegmentReportingAbstract_label_en-US" xlink:label="lab_bbva_OperatingSegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Segment Reporting [Abstract]</link:label>
    <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" xml:lang="en-US">Operating Segments Reporting [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OperatingSegmentReportingAbstract" xlink:href="bbva-20241231.xsd#bbva_OperatingSegmentReportingAbstract"/>
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    <link:label id="lab_bbva_PastServiceCostExpenseOnIncomeStatement_605c5ddd-67f4-4719-9b5f-7acb70f8c1bd_terseLabel_en-US" xlink:label="lab_bbva_PastServiceCostExpenseOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_834ced24-2f42-420d-bf81-efa5fdd76502_terseLabel_en-US" xlink:label="lab_bbva_OtherNonConvertibleSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other non convertible subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherNonConvertibleSubordinatedLiabilities" xlink:href="bbva-20241231.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_6b15246f-5850-4604-ab2a-3a90823f0618_terseLabel_en-US" xlink:label="lab_bbva_GeographyAxisMarketRiskAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Geography axis market risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GeographyAxisMarketRiskAxis" xlink:href="bbva-20241231.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_c08798fd-8c56-47c1-8568-580a096f92d7_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Annual variable remuneration senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationSeniorManagementLineItems" xlink:href="bbva-20241231.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_c84ffefe-fcff-491c-8f31-a9ec828ca98c_terseLabel_en-US" xlink:label="lab_bbva_RetainedEarningsAndEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Retained earnings and equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetainedEarningsAndEquityInstrumentsMember" xlink:href="bbva-20241231.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_89d0ba4f-0c5e-43f3-bab9-7c3e6f76b4f6_terseLabel_en-US" xlink:label="lab_bbva_TransferBetweenLevelsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Transfer between levels</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferBetweenLevelsTable" xlink:href="bbva-20241231.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_ProvisionsOrReversalOfProvisionsTableTextBlock_2c1a5078-c0bd-4b42-9c81-7ea878595c6f_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Provisions or reversal of provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsOrReversalOfProvisionsTableTextBlock" xlink:href="bbva-20241231.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_99f254c9-427b-4d37-be61-341dc11c5f22_terseLabel_en-US" xlink:label="lab_bbva_TypeOfEquityInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Type of equity instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfEquityInstrumentAxis" xlink:href="bbva-20241231.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_dei_AuditorName_648780d6-919b-4444-be7c-dfc13e250378_terseLabel_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ProfitAndLossRelatedPartyTransactionsLineItems_28c4b521-1de5-46c5-b56d-9587150d8609_terseLabel_en-US" xlink:label="lab_bbva_ProfitAndLossRelatedPartyTransactionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_b6903159-5b0d-4726-b578-ce742c763e1d_terseLabel_en-US" xlink:label="lab_bbva_DeferredAVRDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred AVR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAVRDomain" xlink:href="bbva-20241231.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_bbva_ValuationComponentsDomain_1c0350ec-17f9-4481-8e72-e7bd265e6bdc_terseLabel_en-US" xlink:label="lab_bbva_ValuationComponentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation components [Domain]</link:label>
    <link:label id="lab_bbva_ValuationComponentsDomain_label_en-US" xlink:label="lab_bbva_ValuationComponentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation components [Domain]</link:label>
    <link:label id="lab_bbva_ValuationComponentsDomain_documentation_en-US" xlink:label="lab_bbva_ValuationComponentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Valuation components</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValuationComponentsDomain" xlink:href="bbva-20241231.xsd#bbva_ValuationComponentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValuationComponentsDomain" xlink:to="lab_bbva_ValuationComponentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdjustedNumberOfSharesBasicEarningsPerShareC_955b7171-bb1a-4d63-9165-e5aefcd609a7_terseLabel_en-US" xlink:label="lab_bbva_AdjustedNumberOfSharesBasicEarningsPerShareC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjusted number of shares basic earnings per share C</link:label>
    <link:label id="lab_bbva_AdjustedNumberOfSharesBasicEarningsPerShareC_label_en-US" xlink:label="lab_bbva_AdjustedNumberOfSharesBasicEarningsPerShareC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjusted number of shares basic earnings per share C</link:label>
    <link:label id="lab_bbva_AdjustedNumberOfSharesBasicEarningsPerShareC_documentation_en-US" xlink:label="lab_bbva_AdjustedNumberOfSharesBasicEarningsPerShareC" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adjusted number of shares basic earnings per share C</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdjustedNumberOfSharesBasicEarningsPerShareC" xlink:href="bbva-20241231.xsd#bbva_AdjustedNumberOfSharesBasicEarningsPerShareC"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdjustedNumberOfSharesBasicEarningsPerShareC" xlink:to="lab_bbva_AdjustedNumberOfSharesBasicEarningsPerShareC" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_CommonEquityTier1CET1EligibleCapitalResources_154220b8-0078-4e8f-83b5-fbd4443fdd75_terseLabel_en-US" xlink:label="lab_bbva_CommonEquityTier1CET1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common equity tier 1 CET 1 eligible capital resources</link:label>
    <link:label id="lab_bbva_CommonEquityTier1CET1EligibleCapitalResources_label_en-US" xlink:label="lab_bbva_CommonEquityTier1CET1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common equity tier 1 CET 1 eligible capital resources</link:label>
    <link:label id="lab_bbva_CommonEquityTier1CET1EligibleCapitalResources_documentation_en-US" xlink:label="lab_bbva_CommonEquityTier1CET1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Common equity tier 1 CET 1 eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommonEquityTier1CET1EligibleCapitalResources" xlink:href="bbva-20241231.xsd#bbva_CommonEquityTier1CET1EligibleCapitalResources"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CommonEquityTier1CET1EligibleCapitalResources" xlink:to="lab_bbva_CommonEquityTier1CET1EligibleCapitalResources" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfDiscountRates_c6e053ab-a26d-442c-975f-99412105f340_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_TreasuryShares_2a198f9e-1f1f-4fb7-a466-88c591f18c79_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_TreasuryShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares</link:label>
    <link:label id="lab_ifrs-full_TreasuryShares_fbeabf33-6ef1-4997-8fae-d577bc414f5a_periodStartLabel_en-US" xlink:label="lab_ifrs-full_TreasuryShares" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Treasury shares</link:label>
    <link:label id="lab_ifrs-full_TreasuryShares_d87b6e20-4939-4b19-8002-4fb695e63cdc_periodEndLabel_en-US" xlink:label="lab_ifrs-full_TreasuryShares" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" xml:lang="en-US">Treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TreasuryShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TreasuryShares" xlink:to="lab_ifrs-full_TreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems_dc35edcc-27fd-4ec1-9638-5b14cd6c69b0_terseLabel_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in impaired financial assets written off from the balance sheet [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems_label_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes in impaired financial assets written off from the balance sheet [Line Items]</link:label>
    <link:label id="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems_documentation_en-US" xlink:label="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Changes in impaired financial assets written off from the balance sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" xlink:href="bbva-20241231.xsd#bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" xlink:to="lab_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInFinancialAssets_5d4be6f1-6dc1-4497-be68-bbe97231f516_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in financial assets</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_OtherIntangibleAssetsTableTextBlock_79124cfc-f098-445d-b7f7-1dbec6d3e16b_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Intangible Assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsTableTextBlock_label_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Intangible Assets [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherIntangibleAssetsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherIntangibleAssetsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_OtherIntangibleAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherIntangibleAssetsTableTextBlock" xlink:to="lab_bbva_OtherIntangibleAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransfersAndChangesOfConsolidationMethod_2ac7c85e-fa65-49dd-a78d-4bc90312296d_terseLabel_en-US" xlink:label="lab_bbva_TransfersAndChangesOfConsolidationMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers and changes of consolidation Method</link:label>
    <link:label id="lab_bbva_TransfersAndChangesOfConsolidationMethod_label_en-US" xlink:label="lab_bbva_TransfersAndChangesOfConsolidationMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers and changes of consolidation Method</link:label>
    <link:label id="lab_bbva_TransfersAndChangesOfConsolidationMethod_documentation_en-US" xlink:label="lab_bbva_TransfersAndChangesOfConsolidationMethod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transfers and changes of consolidation Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersAndChangesOfConsolidationMethod" xlink:href="bbva-20241231.xsd#bbva_TransfersAndChangesOfConsolidationMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransfersAndChangesOfConsolidationMethod" xlink:to="lab_bbva_TransfersAndChangesOfConsolidationMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EarlyRedemptionDomain_a1ba86cd-4057-404d-a3dd-e55b7c578cf1_terseLabel_en-US" xlink:label="lab_bbva_EarlyRedemptionDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Early redemption [Domain]</link:label>
    <link:label id="lab_bbva_EarlyRedemptionDomain_label_en-US" xlink:label="lab_bbva_EarlyRedemptionDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Early redemption [Domain]</link:label>
    <link:label id="lab_bbva_EarlyRedemptionDomain_documentation_en-US" xlink:label="lab_bbva_EarlyRedemptionDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Early redemption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EarlyRedemptionDomain" xlink:href="bbva-20241231.xsd#bbva_EarlyRedemptionDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EarlyRedemptionDomain" xlink:to="lab_bbva_EarlyRedemptionDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DebtCertificatesIssuedTable_b10ab132-4d3d-43c1-854e-fe884161497f_terseLabel_en-US" xlink:label="lab_bbva_DebtCertificatesIssuedTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt certificates issued [Table]</link:label>
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    <link:label id="lab_bbva_DebtCertificatesIssuedTable_documentation_en-US" xlink:label="lab_bbva_DebtCertificatesIssuedTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt certificates issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtCertificatesIssuedTable" xlink:href="bbva-20241231.xsd#bbva_DebtCertificatesIssuedTable"/>
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    <link:label id="lab_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems_52fadbec-73a3-411b-b4d8-f90400f7ce37_terseLabel_en-US" xlink:label="lab_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained earnings breakdown by company or corporate group [Line Items]</link:label>
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    <link:label id="lab_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems_documentation_en-US" xlink:label="lab_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Retained earnings breakdown by company or corporate group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" xlink:href="bbva-20241231.xsd#bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" xlink:to="lab_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember_6c6dfddc-bb8c-4c50-8143-421ede355321_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Later than one year and not later than five years [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than one year and not later than five years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:to="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GeographyAxisMarketRiskDomain_6378cd74-6630-4199-bbb4-3487614a2cc9_terseLabel_en-US" xlink:label="lab_bbva_GeographyAxisMarketRiskDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geography axis market risk [Domain]</link:label>
    <link:label id="lab_bbva_GeographyAxisMarketRiskDomain_label_en-US" xlink:label="lab_bbva_GeographyAxisMarketRiskDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geography axis market risk [Domain]</link:label>
    <link:label id="lab_bbva_GeographyAxisMarketRiskDomain_documentation_en-US" xlink:label="lab_bbva_GeographyAxisMarketRiskDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Geography axis market risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GeographyAxisMarketRiskDomain" xlink:href="bbva-20241231.xsd#bbva_GeographyAxisMarketRiskDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GeographyAxisMarketRiskDomain" xlink:to="lab_bbva_GeographyAxisMarketRiskDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_BoardOfDirectorsChairmanMember_9ace4e22-415c-4951-a266-a381ef846e09_terseLabel_en-US" xlink:label="lab_srt_BoardOfDirectorsChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Board of Directors Chairman [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_srt_BoardOfDirectorsChairmanMember" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.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_DeferredTaxPensions_c08c7a2d-4f09-48c3-8909-0ebc0d95d58f_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax pensions</link:label>
    <link:label id="lab_bbva_DeferredTaxPensions_label_en-US" xlink:label="lab_bbva_DeferredTaxPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred tax pensions</link:label>
    <link:label id="lab_bbva_DeferredTaxPensions_documentation_en-US" xlink:label="lab_bbva_DeferredTaxPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred tax pensions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxPensions" xlink:href="bbva-20241231.xsd#bbva_DeferredTaxPensions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredTaxPensions" xlink:to="lab_bbva_DeferredTaxPensions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_e3984f76-b1e7-4e81-ac0a-8f792eb23695_terseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Comprehensive income, attributable to non-controlling interests</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities_38062da2-d1ca-459f-9e24-838ebf6499f3_totalLabel_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net increase decrease in operating liabilities from operating activities</link:label>
    <link:label id="lab_bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities_label_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net increase decrease in operating liabilities from operating activities</link:label>
    <link:label id="lab_bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities_documentation_en-US" xlink:label="lab_bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net increase decrease in operating liabilities from operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" xlink:href="bbva-20241231.xsd#bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" xlink:to="lab_bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems_e766738d-1bc5-47ab-9be8-669073d24b4d_terseLabel_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notional maturities of the hedging instruments [Line Items]</link:label>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems_label_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notional maturities of the hedging instruments [Line Items]</link:label>
    <link:label id="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems_documentation_en-US" xlink:label="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Notional maturities of the hedging instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems" xlink:href="bbva-20241231.xsd#bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems" xlink:to="lab_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems" 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" 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/2024/dei-2024.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_RiskCommitteeMember_68d3c25b-8ec4-4131-ba91-3edc19cd469b_terseLabel_en-US" xlink:label="lab_bbva_RiskCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk Committee [Member]</link:label>
    <link:label id="lab_bbva_RiskCommitteeMember_label_en-US" xlink:label="lab_bbva_RiskCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk Committee [Member]</link:label>
    <link:label id="lab_bbva_RiskCommitteeMember_documentation_en-US" xlink:label="lab_bbva_RiskCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Risk Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RiskCommitteeMember" xlink:href="bbva-20241231.xsd#bbva_RiskCommitteeMember"/>
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    <link:label id="lab_bbva_LoansAndAdvancesByCounterpartyAndProduct_2968da5d-e9d1-4eed-9480-c7a8f7ba3358_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesByCounterpartyAndProduct" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances by counterparty and product</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesByCounterpartyAndProduct_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesByCounterpartyAndProduct" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances by counterparty and product</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesByCounterpartyAndProduct_documentation_en-US" xlink:label="lab_bbva_LoansAndAdvancesByCounterpartyAndProduct" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and advances by counterparty and product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesByCounterpartyAndProduct" xlink:href="bbva-20241231.xsd#bbva_LoansAndAdvancesByCounterpartyAndProduct"/>
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    <link:label id="lab_bbva_RemeasurementsMember_8a0b76d2-0d09-4ad9-8b11-f17b4122f91b_terseLabel_en-US" xlink:label="lab_bbva_RemeasurementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remeasurements [Member]</link:label>
    <link:label id="lab_bbva_RemeasurementsMember_label_en-US" xlink:label="lab_bbva_RemeasurementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remeasurements [Member]</link:label>
    <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" xml:lang="en-US">Remeasurements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemeasurementsMember" xlink:href="bbva-20241231.xsd#bbva_RemeasurementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RemeasurementsMember" xlink:to="lab_bbva_RemeasurementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsDomain_271a3e5a-2af5-426e-90e3-ed315527de66_terseLabel_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remuneration For Non Executive Directors [Domain]</link:label>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsDomain_label_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remuneration For Non Executive Directors [Domain]</link:label>
    <link:label id="lab_bbva_RemunerationForNonExecutiveDirectorsDomain_documentation_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Remuneration For Non Executive Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationForNonExecutiveDirectorsDomain" xlink:href="bbva-20241231.xsd#bbva_RemunerationForNonExecutiveDirectorsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RemunerationForNonExecutiveDirectorsDomain" xlink:to="lab_bbva_RemunerationForNonExecutiveDirectorsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis_8e768d0a-a5c2-4cd2-9bfc-b1a84ef6615d_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument [Axis]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis_label_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument [Axis]</link:label>
    <link:label id="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis_documentation_en-US" xlink:label="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits From Customers By Geographical Area And Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" xlink:href="bbva-20241231.xsd#bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" xlink:to="lab_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityImpactAxis_081f25b7-aa6c-41b5-b5dc-0722025eb0ee_terseLabel_en-US" xlink:label="lab_bbva_EquityImpactAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity impact [Axis]</link:label>
    <link:label id="lab_bbva_EquityImpactAxis_label_en-US" xlink:label="lab_bbva_EquityImpactAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity impact [Axis]</link:label>
    <link:label id="lab_bbva_EquityImpactAxis_documentation_en-US" xlink:label="lab_bbva_EquityImpactAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityImpactAxis" xlink:href="bbva-20241231.xsd#bbva_EquityImpactAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityImpactAxis" xlink:to="lab_bbva_EquityImpactAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain_ff535325-a4de-46fd-aa85-245ace3f3c67_terseLabel_en-US" xlink:label="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Broken down encumbered and unencumbered assets [Domain]</link:label>
    <link:label id="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain_label_en-US" xlink:label="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Broken down encumbered and unencumbered assets [Domain]</link:label>
    <link:label id="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain_documentation_en-US" xlink:label="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Broken down encumbered and unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain" xlink:href="bbva-20241231.xsd#bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain" xlink:to="lab_bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaRByRiskFactorTableTextBlock_7dd2a5d1-91a6-4f12-b767-00d8d1e0e03d_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactorTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">VaR by Risk factor [Table Text Block]</link:label>
    <link:label id="lab_bbva_VaRByRiskFactorTableTextBlock_label_en-US" xlink:label="lab_bbva_VaRByRiskFactorTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">VaR by Risk factor [Table Text Block]</link:label>
    <link:label id="lab_bbva_VaRByRiskFactorTableTextBlock_documentation_en-US" xlink:label="lab_bbva_VaRByRiskFactorTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">VaR by Risk factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRByRiskFactorTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_VaRByRiskFactorTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaRByRiskFactorTableTextBlock" xlink:to="lab_bbva_VaRByRiskFactorTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_7d5a6df5-feed-460c-9fed-30eb6a026e4a_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems_3b9b5221-a21a-4fd6-b153-19406c80b0f8_terseLabel_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Cash balances at central banks and other demand deposits [Line Items]</link:label>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems_label_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Cash balances at central banks and other demand deposits [Line Items]</link:label>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems_documentation_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" xlink:href="bbva-20241231.xsd#bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" xlink:to="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DepreciationAndAmortisationExpense_5da4f549-15f7-489e-ba6b-d6558c8fa3b3_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortisation expense</link:label>
    <link:label id="lab_ifrs-full_DepreciationAndAmortisationExpense_7a417336-9737-4179-8390-942f2c11fcd1_terseLabel_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortisation expense</link:label>
    <link:label id="lab_ifrs-full_DepreciationAndAmortisationExpense_label_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation and amortisation expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepreciationAndAmortisationExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DepreciationAndAmortisationExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepreciationAndAmortisationExpense" xlink:to="lab_ifrs-full_DepreciationAndAmortisationExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForOwnUseDepreciableAssetsMember_24ad2b06-343d-424b-a56d-341baafd14e2_terseLabel_en-US" xlink:label="lab_bbva_ForOwnUseDepreciableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">For own use depreciable assets [Member]</link:label>
    <link:label id="lab_bbva_ForOwnUseDepreciableAssetsMember_label_en-US" xlink:label="lab_bbva_ForOwnUseDepreciableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">For own use depreciable assets [Member]</link:label>
    <link:label id="lab_bbva_ForOwnUseDepreciableAssetsMember_documentation_en-US" xlink:label="lab_bbva_ForOwnUseDepreciableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">For own use depreciable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForOwnUseDepreciableAssetsMember" xlink:href="bbva-20241231.xsd#bbva_ForOwnUseDepreciableAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForOwnUseDepreciableAssetsMember" xlink:to="lab_bbva_ForOwnUseDepreciableAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfAdditionalInformationExplanatory_7d22e91d-14c6-4c09-b5b0-b97339e0f068_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfAdditionalInformationExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of additional information [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfAdditionalInformationExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfAdditionalInformationExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of additional information [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfAdditionalInformationExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfAdditionalInformationExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfAdditionalInformationExplanatory" xlink:to="lab_ifrs-full_DisclosureOfAdditionalInformationExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BankGuaranteesToRelatedParties_5699f8a0-4abf-497a-b4a1-b20034053d48_terseLabel_en-US" xlink:label="lab_bbva_BankGuaranteesToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bank guarantees to related parties</link:label>
    <link:label id="lab_bbva_BankGuaranteesToRelatedParties_label_en-US" xlink:label="lab_bbva_BankGuaranteesToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank guarantees to related parties</link:label>
    <link:label id="lab_bbva_BankGuaranteesToRelatedParties_documentation_en-US" xlink:label="lab_bbva_BankGuaranteesToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Bank guarantees to related parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BankGuaranteesToRelatedParties" xlink:href="bbva-20241231.xsd#bbva_BankGuaranteesToRelatedParties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BankGuaranteesToRelatedParties" xlink:to="lab_bbva_BankGuaranteesToRelatedParties" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonControllingInterestClassifiedByConceptTableTextBlock_c71e5f82-9925-4e33-aaa4-93d8b8695d93_terseLabel_en-US" xlink:label="lab_bbva_NonControllingInterestClassifiedByConceptTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non Controlling Interest Classified By Concept [Table Text Block]</link:label>
    <link:label id="lab_bbva_NonControllingInterestClassifiedByConceptTableTextBlock_label_en-US" xlink:label="lab_bbva_NonControllingInterestClassifiedByConceptTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Controlling Interest Classified By Concept [Table Text Block]</link:label>
    <link:label id="lab_bbva_NonControllingInterestClassifiedByConceptTableTextBlock_documentation_en-US" xlink:label="lab_bbva_NonControllingInterestClassifiedByConceptTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non Controlling Interest Classified By Concept</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonControllingInterestClassifiedByConceptTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_NonControllingInterestClassifiedByConceptTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonControllingInterestClassifiedByConceptTableTextBlock" xlink:to="lab_bbva_NonControllingInterestClassifiedByConceptTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock_c70f1157-e289-413e-9753-838d31a48db4_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of Hedging derivatives 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_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock"/>
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    <link:label id="lab_bbva_InterimDividends_3a70255d-343a-4426-b1bb-ea461cc01946_terseLabel_en-US" xlink:label="lab_bbva_InterimDividends" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interim dividends</link:label>
    <link:label id="lab_bbva_InterimDividends_label_en-US" xlink:label="lab_bbva_InterimDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interim dividends</link:label>
    <link:label id="lab_bbva_InterimDividends_documentation_en-US" xlink:label="lab_bbva_InterimDividends" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interim dividends</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterimDividends" xlink:href="bbva-20241231.xsd#bbva_InterimDividends"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterimDividends" xlink:to="lab_bbva_InterimDividends" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualFixedRemuneration_6f2f22ee-e3d5-4c69-89d3-1bed8894db19_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemuneration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration</link:label>
    <link:label id="lab_bbva_AnnualFixedRemuneration_label_en-US" xlink:label="lab_bbva_AnnualFixedRemuneration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration</link:label>
    <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" xml:lang="en-US">Annual fixed remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemuneration" xlink:href="bbva-20241231.xsd#bbva_AnnualFixedRemuneration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualFixedRemuneration" xlink:to="lab_bbva_AnnualFixedRemuneration" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProfitAttributableToNonControllingInterestsTable_b561cca0-b50e-4851-b813-0cd8092191ce_terseLabel_en-US" xlink:label="lab_bbva_ProfitAttributableToNonControllingInterestsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minority interest [Table]</link:label>
    <link:label id="lab_bbva_ProfitAttributableToNonControllingInterestsTable_label_en-US" xlink:label="lab_bbva_ProfitAttributableToNonControllingInterestsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit Attributable to Non Controlling Interests [Table]</link:label>
    <link:label id="lab_bbva_ProfitAttributableToNonControllingInterestsTable_documentation_en-US" xlink:label="lab_bbva_ProfitAttributableToNonControllingInterestsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Profit Attributable to Non Controlling Interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProfitAttributableToNonControllingInterestsTable" xlink:href="bbva-20241231.xsd#bbva_ProfitAttributableToNonControllingInterestsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProfitAttributableToNonControllingInterestsTable" xlink:to="lab_bbva_ProfitAttributableToNonControllingInterestsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LiabilitiesForRemainingCoverageMember_403dc4a7-9abc-4a6d-b8a2-5fd52f9a175b_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesForRemainingCoverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities for remaining coverage [Member]</link:label>
    <link:label id="lab_bbva_LiabilitiesForRemainingCoverageMember_label_en-US" xlink:label="lab_bbva_LiabilitiesForRemainingCoverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities for remaining coverage [Member]</link:label>
    <link:label id="lab_bbva_LiabilitiesForRemainingCoverageMember_documentation_en-US" xlink:label="lab_bbva_LiabilitiesForRemainingCoverageMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities for remaining coverage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesForRemainingCoverageMember" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesForRemainingCoverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesForRemainingCoverageMember" xlink:to="lab_bbva_LiabilitiesForRemainingCoverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromFinancingActivities_1a33f132-ed36-48fa-96b2-e89d113773f0_terseLabel_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of Which Hyperinflation Effect From Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichHyperinflationEffectFromFinancingActivities" xlink:href="bbva-20241231.xsd#bbva_OfWhichHyperinflationEffectFromFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichHyperinflationEffectFromFinancingActivities" xlink:to="lab_bbva_OfWhichHyperinflationEffectFromFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss_10193b9f-d061-4b6b-b943-a7e8b65af16a_negatedTerseLabel_en-US" xlink:label="lab_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non current assets held for sale transferred to profit or loss</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss_label_en-US" xlink:label="lab_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non current assets held for sale transferred to profit or loss</link:label>
    <link:label id="lab_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non current assets held for sale transferred to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" xlink:to="lab_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss_e683c0b0-3dd0-4d17-928b-aeb36c96d358_terseLabel_en-US" xlink:label="lab_bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging instruments non-designated items that may be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging instruments non-designated items that may be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hedging instruments non-designated items that may be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClassesOfTangibleAssetsAxis_79ab04ec-283f-47ba-a010-5420f87c7b0d_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfTangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Classes of tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClassesOfTangibleAssetsAxis" xlink:href="bbva-20241231.xsd#bbva_ClassesOfTangibleAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ClassesOfTangibleAssetsAxis" xlink:to="lab_bbva_ClassesOfTangibleAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Feb24Member_183c75e2-b905-48a5-be14-0b5315b7ae01_terseLabel_en-US" xlink:label="lab_bbva_Feb24Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Feb-24 [Member]</link:label>
    <link:label id="lab_bbva_Feb24Member_label_en-US" xlink:label="lab_bbva_Feb24Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Feb-24 [Member]</link:label>
    <link:label id="lab_bbva_Feb24Member_documentation_en-US" xlink:label="lab_bbva_Feb24Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Feb-24</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Feb24Member" xlink:href="bbva-20241231.xsd#bbva_Feb24Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Feb24Member" xlink:to="lab_bbva_Feb24Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MillionsOfEurosMember_d456c5d8-f175-410e-9f36-9f353cdda66f_terseLabel_en-US" xlink:label="lab_bbva_MillionsOfEurosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Millions of euros [Member]</link:label>
    <link:label id="lab_bbva_MillionsOfEurosMember_label_en-US" xlink:label="lab_bbva_MillionsOfEurosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Millions of euros [Member]</link:label>
    <link:label id="lab_bbva_MillionsOfEurosMember_documentation_en-US" xlink:label="lab_bbva_MillionsOfEurosMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Millions of euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MillionsOfEurosMember" xlink:href="bbva-20241231.xsd#bbva_MillionsOfEurosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MillionsOfEurosMember" xlink:to="lab_bbva_MillionsOfEurosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GarantiBBVAGroupMember_840a0b3c-1234-44d3-9782-904a52fdaa34_terseLabel_en-US" xlink:label="lab_bbva_GarantiBBVAGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Garanti BBVA group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GarantiBBVAGroupMember" xlink:href="bbva-20241231.xsd#bbva_GarantiBBVAGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GarantiBBVAGroupMember" xlink:to="lab_bbva_GarantiBBVAGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceRevenue_55344e63-abe7-4d3d-899e-4286400f6bbe_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceRevenue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance revenue</link:label>
    <link:label id="lab_ifrs-full_InsuranceRevenue_label_en-US" xlink:label="lab_ifrs-full_InsuranceRevenue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance revenue</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceRevenue" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InsuranceRevenue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceRevenue" xlink:to="lab_ifrs-full_InsuranceRevenue" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations_e16b52e0-c5d0-4712-a15f-5ae3913c090b_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations</link:label>
    <link:label id="lab_bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations_label_en-US" xlink:label="lab_bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations</link:label>
    <link:label id="lab_bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations_documentation_en-US" xlink:label="lab_bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (losses) 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_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:href="bbva-20241231.xsd#bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:to="lab_bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ChangesInEquityAbstract_719fe1c3-9fab-4eba-a388-dc1bf63840a3_terseLabel_en-US" xlink:label="lab_ifrs-full_ChangesInEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in equity [abstract]</link:label>
    <link:label id="lab_ifrs-full_ChangesInEquityAbstract_label_en-US" xlink:label="lab_ifrs-full_ChangesInEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes in equity [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ChangesInEquityAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ChangesInEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ChangesInEquityAbstract" xlink:to="lab_ifrs-full_ChangesInEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherLoansAndAdvancesMember_c63246d3-f5ae-449a-8cde-f5dcb4a354c5_terseLabel_en-US" xlink:label="lab_bbva_OtherLoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other loans and advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLoansAndAdvancesMember" xlink:href="bbva-20241231.xsd#bbva_OtherLoansAndAdvancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherLoansAndAdvancesMember" xlink:to="lab_bbva_OtherLoansAndAdvancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherFinancialCorporationsMember_fbfcc027-9e49-4fee-a474-0ae6e694a317_terseLabel_en-US" xlink:label="lab_bbva_OtherFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial corporations [Member]</link:label>
    <link:label id="lab_bbva_OtherFinancialCorporationsMember_label_en-US" xlink:label="lab_bbva_OtherFinancialCorporationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other financial corporations [Member]</link:label>
    <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" xml:lang="en-US">Other financial corporations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherFinancialCorporationsMember" xlink:href="bbva-20241231.xsd#bbva_OtherFinancialCorporationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherFinancialCorporationsMember" xlink:to="lab_bbva_OtherFinancialCorporationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromDisposalMember_f6338809-8603-4881-9f0b-dab4d2869c3d_terseLabel_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromDisposalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from disposal [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromDisposalMember_label_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromDisposalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from disposal [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromDisposalMember_documentation_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromDisposalMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from disposal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCashChangesInLiabilitiesFromDisposalMember" xlink:href="bbva-20241231.xsd#bbva_NonCashChangesInLiabilitiesFromDisposalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCashChangesInLiabilitiesFromDisposalMember" xlink:to="lab_bbva_NonCashChangesInLiabilitiesFromDisposalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfAssetsDomain_74792432-ee8f-443d-8aba-2df8268b15e0_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of assets [Domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfAssetsDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of assets [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfAssetsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ClassesOfAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfAssetsDomain" xlink:to="lab_ifrs-full_ClassesOfAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfSignificantAccountingPoliciesAbstract_ff47f5c1-208f-4e7d-a1f1-04940e89ec20_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfSignificantAccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of significant accounting policies [Abstract]</link:label>
    <link:label id="lab_bbva_DisclosureOfSignificantAccountingPoliciesAbstract_label_en-US" xlink:label="lab_bbva_DisclosureOfSignificantAccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of significant accounting policies [Abstract]</link:label>
    <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" xml:lang="en-US">Disclosure of significant accounting policies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfSignificantAccountingPoliciesAbstract" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfSignificantAccountingPoliciesAbstract"/>
    <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_c5e9ca06-767c-4e0c-bf6b-c472678c3a67_terseLabel_en-US" xlink:label="lab_bbva_TotalAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalAssetsLineItems" xlink:href="bbva-20241231.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_4b60c077-92ac-4e53-a999-7b45d3efcca3_terseLabel_en-US" xlink:label="lab_bbva_SecuredLossAllowancesTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Secured loss allowances tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuredLossAllowancesTaxAssets" xlink:href="bbva-20241231.xsd#bbva_SecuredLossAllowancesTaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SecuredLossAllowancesTaxAssets" xlink:to="lab_bbva_SecuredLossAllowancesTaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PropertyFixturesAndMaterialsExpense_cc1efab2-a5c9-4d82-ba8e-69e02afbb545_terseLabel_en-US" xlink:label="lab_bbva_PropertyFixturesAndMaterialsExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Property Fixtures And Materials expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PropertyFixturesAndMaterialsExpense" xlink:href="bbva-20241231.xsd#bbva_PropertyFixturesAndMaterialsExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PropertyFixturesAndMaterialsExpense" xlink:to="lab_bbva_PropertyFixturesAndMaterialsExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities_1971726f-ffd2-458f-97b2-73d9c9deb103_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities_label_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" xlink:to="lab_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CumulatedCounterbalancingCapacityMember_87108642-ecd1-4661-bb4f-8a0f30ed7687_terseLabel_en-US" xlink:label="lab_bbva_CumulatedCounterbalancingCapacityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Cumulated counterbalancing capacity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CumulatedCounterbalancingCapacityMember" xlink:href="bbva-20241231.xsd#bbva_CumulatedCounterbalancingCapacityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CumulatedCounterbalancingCapacityMember" xlink:to="lab_bbva_CumulatedCounterbalancingCapacityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock_4b844221-676b-458d-bfe7-77ffa56b5b6d_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" xlink:to="lab_bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember_63747377-1449-43d3-93c6-f06e3a055f62_terseLabel_en-US" xlink:label="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subject to 12 month ECL [Member]</link:label>
    <link:label id="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember_label_en-US" xlink:label="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">12-month expected credit losses [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TwelvemonthExpectedCreditLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:to="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Checks_925629be-4b32-4dd8-886f-a07e29aca10c_terseLabel_en-US" xlink:label="lab_bbva_Checks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Checks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Checks" xlink:href="bbva-20241231.xsd#bbva_Checks"/>
    <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_bbva_OtherPositionsMember_81f3618f-5979-4b20-87c7-e3d85649190a_terseLabel_en-US" xlink:label="lab_bbva_OtherPositionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherPositionsMember" xlink:href="bbva-20241231.xsd#bbva_OtherPositionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherPositionsMember" xlink:to="lab_bbva_OtherPositionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RetainedEarningsMember_0bf6bd10-c993-4279-b895-c471be29437f_terseLabel_en-US" xlink:label="lab_ifrs-full_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained earnings [member]</link:label>
    <link:label id="lab_ifrs-full_RetainedEarningsMember_label_en-US" xlink:label="lab_ifrs-full_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained earnings [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RetainedEarningsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_RetainedEarningsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RetainedEarningsMember" xlink:to="lab_ifrs-full_RetainedEarningsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember_f516c1ff-9a41-4583-90e6-06695a939d52_terseLabel_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from fair value changes [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember_label_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from fair value changes [Member]</link:label>
    <link:label id="lab_bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember_documentation_en-US" xlink:label="lab_bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-cash changes in liabilities from fair value changes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember" xlink:href="bbva-20241231.xsd#bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember" xlink:to="lab_bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CustomerDepositsMember_ef7ed1dd-1254-4ed3-9394-1de5dd283c9f_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Customer deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustomerDepositsMember" xlink:href="bbva-20241231.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_774a357d-fed8-4834-9282-1a7bde65e292_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible Assets Breakdown By Type Of Asset [Table Text Block]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock_label_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tangible Assets Breakdown By Type Of Asset [Table Text Block]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tangible Assets Breakdown By Type Of Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock"/>
    <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_e0d9ff25-a52f-43de-b8e2-66b5e58f740d_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer Deposits [Table Text Block]</link:label>
    <link:label id="lab_bbva_CustomerDepositsTableTextBlock_label_en-US" xlink:label="lab_bbva_CustomerDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Customer Deposits [Table Text Block]</link:label>
    <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" xml:lang="en-US">Customer Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustomerDepositsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_CustomerDepositsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CustomerDepositsTableTextBlock" xlink:to="lab_bbva_CustomerDepositsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IssueOfEquity_8b088e11-2205-4fe6-9b85-aedb71a1d9ff_terseLabel_en-US" xlink:label="lab_ifrs-full_IssueOfEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Issue of equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IssueOfEquity" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IssueOfEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IssueOfEquity" xlink:to="lab_ifrs-full_IssueOfEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock_2d3af2b8-292e-4815-9445-611c598e9326_terseLabel_en-US" xlink:label="lab_bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Positive scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block]</link:label>
    <link:label id="lab_bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock_label_en-US" xlink:label="lab_bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Positive scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block]</link:label>
    <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" xml:lang="en-US">Positive scenario of GDP, unemployment rate and HPI for the main geographies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:to="lab_bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems_9e8e6881-4b5f-4d3c-a914-bf4575d6b425_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets and liabilities designated at fair value through profit or loss [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems_label_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets and liabilities designated at fair value through profit or loss [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets and liabilities designated at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" xlink:to="lab_bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PlanAssets_068da7cb-8528-4dfc-83a5-c453bf04803f_periodStartLabel_en-US" xlink:label="lab_bbva_PlanAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Plan assets</link:label>
    <link:label id="lab_bbva_PlanAssets_d83d2ec1-c184-4fc3-87cb-2318ebd117b9_periodEndLabel_en-US" xlink:label="lab_bbva_PlanAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Plan assets</link:label>
    <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" 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" xml:lang="en-US">Plan assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PlanAssets" xlink:href="bbva-20241231.xsd#bbva_PlanAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PlanAssets" xlink:to="lab_bbva_PlanAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherItemsLiabilities_e7536228-2fc1-4c25-b0af-b4fe90c2e3ab_terseLabel_en-US" xlink:label="lab_bbva_OtherItemsLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Other items liabilities</link:label>
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    <link:label id="lab_bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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:loc xlink:type="locator" xlink:label="loc_bbva_AdditionsOfImpairedAssets" xlink:href="bbva-20241231.xsd#bbva_AdditionsOfImpairedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdditionsOfImpairedAssets" xlink:to="lab_bbva_AdditionsOfImpairedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OrganizedMarketOptionsMember_d3fe0edc-0846-4bd9-845b-1c8aa1200ced_terseLabel_en-US" xlink:label="lab_bbva_OrganizedMarketOptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Organized market options [Member]</link:label>
    <link:label id="lab_bbva_OrganizedMarketOptionsMember_label_en-US" xlink:label="lab_bbva_OrganizedMarketOptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organized market options [Member]</link:label>
    <link:label id="lab_bbva_OrganizedMarketOptionsMember_documentation_en-US" xlink:label="lab_bbva_OrganizedMarketOptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Organized market options</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OrganizedMarketOptionsMember" xlink:href="bbva-20241231.xsd#bbva_OrganizedMarketOptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OrganizedMarketOptionsMember" xlink:to="lab_bbva_OrganizedMarketOptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EntitiesByMainActivitiesDomain_600237b1-5e35-4d0e-ab06-51cd637a16fa_terseLabel_en-US" xlink:label="lab_bbva_EntitiesByMainActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entities by main activities [Domain]</link:label>
    <link:label id="lab_bbva_EntitiesByMainActivitiesDomain_label_en-US" xlink:label="lab_bbva_EntitiesByMainActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entities by main activities [Domain]</link:label>
    <link:label id="lab_bbva_EntitiesByMainActivitiesDomain_documentation_en-US" xlink:label="lab_bbva_EntitiesByMainActivitiesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Entities by main activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EntitiesByMainActivitiesDomain" xlink:href="bbva-20241231.xsd#bbva_EntitiesByMainActivitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EntitiesByMainActivitiesDomain" xlink:to="lab_bbva_EntitiesByMainActivitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember_7d0be600-1e17-46e6-8f49-1b003ebcd149_terseLabel_en-US" xlink:label="lab_bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_170c494c-320f-449f-a24a-4c0c58cdb41f_terseLabel_en-US" xlink:label="lab_bbva_TypeOfScenarioAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Type of scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfScenarioAxis" xlink:href="bbva-20241231.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_563aedba-3733-4e91-ad15-d2d82cc3338c_terseLabel_en-US" xlink:label="lab_bbva_TotalPortfolioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total portfolio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalPortfolioMember" xlink:href="bbva-20241231.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_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock_8d6dc49a-66de-4ff2-95f9-16358a4e78cd_terseLabel_en-US" xlink:label="lab_bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liaiblities under insurance and reinsurance contracts by type of product [Table Text Block]</link:label>
    <link:label id="lab_bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock_label_en-US" xlink:label="lab_bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liaiblities under Insurance and Reinsurance Contracts by type of product [Table Text Block]</link:label>
    <link:label id="lab_bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock_documentation_en-US" xlink:label="lab_bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liaiblities under Insurance and Reinsurance Contracts by type of product</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock" xlink:to="lab_bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAMexicoGroupMember_a8158e6b-9f3b-47f6-8c04-c1ac5587097a_terseLabel_en-US" xlink:label="lab_bbva_BBVAMexicoGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBVA Bancomer group [Member]</link:label>
    <link:label id="lab_bbva_BBVAMexicoGroupMember_label_en-US" xlink:label="lab_bbva_BBVAMexicoGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BBVA Mexico group [Member]</link:label>
    <link:label id="lab_bbva_BBVAMexicoGroupMember_documentation_en-US" xlink:label="lab_bbva_BBVAMexicoGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBVA Mexico group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAMexicoGroupMember" xlink:href="bbva-20241231.xsd#bbva_BBVAMexicoGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAMexicoGroupMember" xlink:to="lab_bbva_BBVAMexicoGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock_1d2f9203-b548-42ad-bdea-bd5f55140e83_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_AppointmentsCommitteeMember_3cb68096-5c52-461f-bd88-85ff7aa1ffcf_terseLabel_en-US" xlink:label="lab_bbva_AppointmentsCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Appointments Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AppointmentsCommitteeMember" xlink:href="bbva-20241231.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_960c26eb-67fa-4ceb-b63c-108837711c36_terseLabel_en-US" xlink:label="lab_bbva_IntanbileAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Intanbile assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IntanbileAssetsMember" xlink:href="bbva-20241231.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_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_968277fc-b53a-431a-ad4f-a62e66662aac_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_NegativeScenarioMember_208f0d43-984e-49fa-92ae-01e31a6fc3ab_terseLabel_en-US" xlink:label="lab_bbva_NegativeScenarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Negative scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NegativeScenarioMember" xlink:href="bbva-20241231.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_921d8a7e-ea3b-4c3a-a1e3-d9b4c430c353_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Equity instruments risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsRiskMember" xlink:href="bbva-20241231.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_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent_5b7d8a84-2f86-4549-81e0-37c10bc412bf_terseLabel_en-US" xlink:label="lab_bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange rate differences from insurance and reinsurance contracts by valuation component</link:label>
    <link:label id="lab_bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent_label_en-US" xlink:label="lab_bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchange rate differences from insurance and reinsurance contracts by valuation component</link:label>
    <link:label id="lab_bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent_documentation_en-US" xlink:label="lab_bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Exchange rate differences from insurance and reinsurance contracts by valuation component</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:href="bbva-20241231.xsd#bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:to="lab_bbva_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets_e08d2340-70b0-4ec5-b975-81e8a0396abe_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Increase (decrease) through other movements, financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock_067386c2-77bf-44b1-8d59-82de778677cf_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss_a1cce419-feea-4f7f-b9b5-8f6169ad0787_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial liabilities designated at fair value through profit or loss operating activities</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss"/>
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    <link:label id="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContracts_345af998-dda5-4383-85a3-e127e1ec7b7d_terseLabel_en-US" xlink:label="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flows from insurance and reinsurance contracts</link:label>
    <link:label id="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContracts_label_en-US" xlink:label="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from insurance and reinsurance contracts</link:label>
    <link:label id="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContracts_documentation_en-US" xlink:label="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash flows from insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashFlowsFromInsuranceAndReinsuranceContracts" xlink:href="bbva-20241231.xsd#bbva_CashFlowsFromInsuranceAndReinsuranceContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashFlowsFromInsuranceAndReinsuranceContracts" xlink:to="lab_bbva_CashFlowsFromInsuranceAndReinsuranceContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations_14f463d7-1d5d-4073-a063-ff6235e840fb_totalLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_CouponAxis_5f6d10c6-dec5-4745-b2e0-6e3bfb315e6a_terseLabel_en-US" xlink:label="lab_bbva_CouponAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Coupon [Axis]</link:label>
    <link:label id="lab_bbva_CouponAxis_label_en-US" xlink:label="lab_bbva_CouponAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Coupon [Axis]</link:label>
    <link:label id="lab_bbva_CouponAxis_documentation_en-US" xlink:label="lab_bbva_CouponAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Coupon</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CouponAxis" xlink:href="bbva-20241231.xsd#bbva_CouponAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CouponAxis" xlink:to="lab_bbva_CouponAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock_30eb91b6-0e0b-4050-bb20-9ac0bb246d15_terseLabel_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transactions on behalf of third parties [Text Block]</link:label>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock_label_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transactions on behalf of third parties [Text Block]</link:label>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock_documentation_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transactions on behalf of third parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock" xlink:href="bbva-20241231.xsd#bbva_TransactionsOnBehalfOfThirdPartiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock" xlink:to="lab_bbva_TransactionsOnBehalfOfThirdPartiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypesOfLoansAndReceivablesDomain_2df0bf49-f612-4192-834c-9bb2aac5cd93_terseLabel_en-US" xlink:label="lab_bbva_TypesOfLoansAndReceivablesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types Of Loans And Receivables [Domain]</link:label>
    <link:label id="lab_bbva_TypesOfLoansAndReceivablesDomain_label_en-US" xlink:label="lab_bbva_TypesOfLoansAndReceivablesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types Of Loans And Receivables [Domain]</link:label>
    <link:label id="lab_bbva_TypesOfLoansAndReceivablesDomain_documentation_en-US" xlink:label="lab_bbva_TypesOfLoansAndReceivablesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Types Of Loans And Receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypesOfLoansAndReceivablesDomain" xlink:href="bbva-20241231.xsd#bbva_TypesOfLoansAndReceivablesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TypesOfLoansAndReceivablesDomain" xlink:to="lab_bbva_TypesOfLoansAndReceivablesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityAndLiabilitiesLineItems_f0e787bb-aabb-457c-a74f-c7188bd0813e_terseLabel_en-US" xlink:label="lab_bbva_EquityAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity and Liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_EquityAndLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_EquityAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity and Liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_EquityAndLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_EquityAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity and Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityAndLiabilitiesLineItems" xlink:href="bbva-20241231.xsd#bbva_EquityAndLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityAndLiabilitiesLineItems" xlink:to="lab_bbva_EquityAndLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AuditAndComplianceCommitteeMember_e74bd0f9-fecb-46b2-9391-59fdd900576f_terseLabel_en-US" xlink:label="lab_bbva_AuditAndComplianceCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Audit And Compliance Committee [Member]</link:label>
    <link:label id="lab_bbva_AuditAndComplianceCommitteeMember_label_en-US" xlink:label="lab_bbva_AuditAndComplianceCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Audit And Compliance Committee [Member]</link:label>
    <link:label id="lab_bbva_AuditAndComplianceCommitteeMember_documentation_en-US" xlink:label="lab_bbva_AuditAndComplianceCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Audit And Compliance Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AuditAndComplianceCommitteeMember" xlink:href="bbva-20241231.xsd#bbva_AuditAndComplianceCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AuditAndComplianceCommitteeMember" xlink:to="lab_bbva_AuditAndComplianceCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksMember_06588414-c5b7-4300-bb35-7f847a7e0b61_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to central banks [Member]</link:label>
    <link:label id="lab_bbva_LoansAndAdvancesToCentralBanksMember_label_en-US" xlink:label="lab_bbva_LoansAndAdvancesToCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances to central banks [Member]</link:label>
    <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" xml:lang="en-US">Loans and advances to central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesToCentralBanksMember" xlink:href="bbva-20241231.xsd#bbva_LoansAndAdvancesToCentralBanksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesToCentralBanksMember" xlink:to="lab_bbva_LoansAndAdvancesToCentralBanksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember_5d6b074a-d763-4b2d-928c-2873e8d762c8_terseLabel_en-US" xlink:label="lab_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Of which property occupied by BBVA in listed markets [Member]</link:label>
    <link:label id="lab_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember_documentation_en-US" xlink:label="lab_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Of which property occupied by BBVA in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember" xlink:href="bbva-20241231.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_ifrs-full_EarningsPerShareAbstract_0c142257-42c9-4664-8b51-0942fd843de7_terseLabel_en-US" xlink:label="lab_ifrs-full_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Earnings per share [abstract]</link:label>
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    <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_OfWhichSecuredFinancialInstrumentsAxis_d54e4c63-da01-4c85-984b-f157db23b114_terseLabel_en-US" xlink:label="lab_bbva_OfWhichSecuredFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which secured financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichSecuredFinancialInstrumentsAxis" xlink:href="bbva-20241231.xsd#bbva_OfWhichSecuredFinancialInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichSecuredFinancialInstrumentsAxis" xlink:to="lab_bbva_OfWhichSecuredFinancialInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IssueOfPreferredShares_9ab2acf6-6e1f-4be5-80b8-24dcc062fdc3_terseLabel_en-US" xlink:label="lab_bbva_IssueOfPreferredShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issue of preferred shares</link:label>
    <link:label id="lab_bbva_IssueOfPreferredShares_label_en-US" xlink:label="lab_bbva_IssueOfPreferredShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issue of preferred shares</link:label>
    <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" xml:lang="en-US">Issue of preferred shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IssueOfPreferredShares" xlink:href="bbva-20241231.xsd#bbva_IssueOfPreferredShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IssueOfPreferredShares" xlink:to="lab_bbva_IssueOfPreferredShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss_f32f7c77-99a8-45b4-accd-da1c6c5f064b_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign exchange gain (loss)</link:label>
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    <link:label id="lab_ifrs-full_LegalProceedingsProvision_103a674d-51b6-4ba2-9edb-5afaa699a57e_terseLabel_en-US" xlink:label="lab_ifrs-full_LegalProceedingsProvision" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal proceedings provision</link:label>
    <link:label id="lab_ifrs-full_LegalProceedingsProvision_label_en-US" xlink:label="lab_ifrs-full_LegalProceedingsProvision" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal proceedings provision</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LegalProceedingsProvision" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LegalProceedingsProvision"/>
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    <link:label id="lab_bbva_EndOfPeriodVaRMember_440a86fd-fd0b-4477-ad1d-057de5283377_terseLabel_en-US" xlink:label="lab_bbva_EndOfPeriodVaRMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">End of period VaR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EndOfPeriodVaRMember" xlink:href="bbva-20241231.xsd#bbva_EndOfPeriodVaRMember"/>
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    <link:label id="lab_bbva_EmployerContributionsMember_0d8bc0ba-8c98-4adf-bc80-88fcefd98daf_terseLabel_en-US" xlink:label="lab_bbva_EmployerContributionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Employer contributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EmployerContributionsMember" xlink:href="bbva-20241231.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_171c7667-7368-4f70-8817-f8270936cf66_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMULineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMULineItems" xlink:href="bbva-20241231.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_A3.625Member_e615fa05-484e-46ab-a4c7-221bb14fa21a_terseLabel_en-US" xlink:label="lab_bbva_A3.625Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">3.625% [Member]</link:label>
    <link:label id="lab_bbva_A3.625Member_label_en-US" xlink:label="lab_bbva_A3.625Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">3.625% [Member]</link:label>
    <link:label id="lab_bbva_A3.625Member_documentation_en-US" xlink:label="lab_bbva_A3.625Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">3.625%</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A3.625Member" xlink:href="bbva-20241231.xsd#bbva_A3.625Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A3.625Member" xlink:to="lab_bbva_A3.625Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAxis_e57a96a0-2376-4152-ba98-b3aad958066e_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maximum credit risk exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureAxis" xlink:href="bbva-20241231.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_ifrs-full_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_3a698a1c-ca3b-426d-8980-a00a93a57e79_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to credit institutions held for trading</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances to banks at fair value through profit or loss, classified as held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:to="lab_ifrs-full_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PersonnelExpensesLineItems_816d79b7-b4dd-42fb-9437-03926216b666_terseLabel_en-US" xlink:label="lab_bbva_PersonnelExpensesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Personnel expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PersonnelExpensesLineItems" xlink:href="bbva-20241231.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_959c2475-c02c-4cba-af10-113bf5f9ac88_terseLabel_en-US" xlink:label="lab_bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_c5aee38a-288c-447e-a8cd-e5cfee331281_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_ca1ceb65-e1b5-4bd6-8387-aef93f0ca38f_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_ConvertiblePerpetualCertificatesMember_2590c8b7-b1cf-472f-b770-6be41bb191cb_terseLabel_en-US" xlink:label="lab_bbva_ConvertiblePerpetualCertificatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Convertible perpetual certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConvertiblePerpetualCertificatesMember" xlink:href="bbva-20241231.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_AT1CoCo_9ee5fade-e704-4590-8fd9-ecf8eb3e50c2_terseLabel_en-US" xlink:label="lab_bbva_AT1CoCo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AT 1 (CoCo)</link:label>
    <link:label id="lab_bbva_AT1CoCo_label_en-US" xlink:label="lab_bbva_AT1CoCo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AT 1 (CoCo)</link:label>
    <link:label id="lab_bbva_AT1CoCo_documentation_en-US" xlink:label="lab_bbva_AT1CoCo" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">AT 1 (CoCo)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AT1CoCo" xlink:href="bbva-20241231.xsd#bbva_AT1CoCo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AT1CoCo" xlink:to="lab_bbva_AT1CoCo" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialGuaranteesGivenMember_f0d84971-a5e0-40ac-856a-a31b73ac517d_terseLabel_en-US" xlink:label="lab_bbva_FinancialGuaranteesGivenMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial guarantees given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialGuaranteesGivenMember" xlink:href="bbva-20241231.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_4f2d0b54-9ca5-41d6-be1d-82902a78eeee_terseLabel_en-US" xlink:label="lab_bbva_LossAllowancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loss allowances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LossAllowancesMember" xlink:href="bbva-20241231.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_a0ba9038-f41b-4b73-9585-a05aa8de3931_terseLabel_en-US" xlink:label="lab_bbva_AverageLCRMainLMU" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Average LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageLCRMainLMU" xlink:href="bbva-20241231.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_DerivativesHedgeAccountingLineItems_3230a13a-6266-402e-b48c-e31c89aa887d_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Derivatives hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingLineItems" xlink:href="bbva-20241231.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_TreasurySharesChangesOverTheYearLineItems_8013d07a-d681-4a97-af47-30437bb2974e_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesChangesOverTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares changes over the year [Line Items]</link:label>
    <link:label id="lab_bbva_TreasurySharesChangesOverTheYearLineItems_label_en-US" xlink:label="lab_bbva_TreasurySharesChangesOverTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury shares changes over the year [Line Items]</link:label>
    <link:label id="lab_bbva_TreasurySharesChangesOverTheYearLineItems_documentation_en-US" xlink:label="lab_bbva_TreasurySharesChangesOverTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury shares changes over the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesChangesOverTheYearLineItems" xlink:href="bbva-20241231.xsd#bbva_TreasurySharesChangesOverTheYearLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TreasurySharesChangesOverTheYearLineItems" xlink:to="lab_bbva_TreasurySharesChangesOverTheYearLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichCreditForConsumptionMember_3d9d1bcf-6cf4-4eec-9fc3-b01e9501896d_terseLabel_en-US" xlink:label="lab_bbva_OfWhichCreditForConsumptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which credit for consumption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichCreditForConsumptionMember" xlink:href="bbva-20241231.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_CollateralReceivedMember_6fc27a8b-7015-47ae-868e-38b41667a323_terseLabel_en-US" xlink:label="lab_bbva_CollateralReceivedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Collateral received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollateralReceivedMember" xlink:href="bbva-20241231.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_dei_EntityAddressesAddressTypeAxis_6302db6f-ab2d-4719-9d52-0329dc019da5_terseLabel_en-US" xlink:label="lab_dei_EntityAddressesAddressTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Addresses, Address Type [Axis]</link:label>
    <link:label id="lab_dei_EntityAddressesAddressTypeAxis_label_en-US" xlink:label="lab_dei_EntityAddressesAddressTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Addresses, Address Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressesAddressTypeAxis" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressesAddressTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressesAddressTypeAxis" xlink:to="lab_dei_EntityAddressesAddressTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterimDividendMember_cdfcef3f-ef73-4f9b-8b22-1fcdaffc5c21_terseLabel_en-US" xlink:label="lab_bbva_InterimDividendMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interim dividends [Member]</link:label>
    <link:label id="lab_bbva_InterimDividendMember_label_en-US" xlink:label="lab_bbva_InterimDividendMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interim dividend [Member]</link:label>
    <link:label id="lab_bbva_InterimDividendMember_documentation_en-US" xlink:label="lab_bbva_InterimDividendMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interim dividend</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterimDividendMember" xlink:href="bbva-20241231.xsd#bbva_InterimDividendMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterimDividendMember" xlink:to="lab_bbva_InterimDividendMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies_a3b2087f-810f-4cc6-adfd-519854728031_terseLabel_en-US" xlink:label="lab_bbva_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable_aeccdcb2-13bb-4393-827a-b1d1435de934_terseLabel_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component [Table]</link:label>
    <link:label id="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable_label_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component [Table]</link:label>
    <link:label id="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable_documentation_en-US" xlink:label="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" xlink:href="bbva-20241231.xsd#bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" xlink:to="lab_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherAssetsLineItems_efe09baf-9448-4f53-8ce5-9b0852256f64_terseLabel_en-US" xlink:label="lab_bbva_OtherAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssetsLineItems" xlink:href="bbva-20241231.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_BreakdownByTypeOfLifeInsuranceAxis_6507acb0-2cef-49de-b022-198f85c55958_terseLabel_en-US" xlink:label="lab_bbva_BreakdownByTypeOfLifeInsuranceAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Breakdown by types of life insurance [Axis]</link:label>
    <link:label id="lab_bbva_BreakdownByTypeOfLifeInsuranceAxis_label_en-US" xlink:label="lab_bbva_BreakdownByTypeOfLifeInsuranceAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Breakdown by type of life insurance [Axis]</link:label>
    <link:label id="lab_bbva_BreakdownByTypeOfLifeInsuranceAxis_documentation_en-US" xlink:label="lab_bbva_BreakdownByTypeOfLifeInsuranceAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Breakdown by type of life insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BreakdownByTypeOfLifeInsuranceAxis" xlink:href="bbva-20241231.xsd#bbva_BreakdownByTypeOfLifeInsuranceAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BreakdownByTypeOfLifeInsuranceAxis" xlink:to="lab_bbva_BreakdownByTypeOfLifeInsuranceAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock_ac366ad8-0d43-4609-954a-a037587823ab_terseLabel_en-US" xlink:label="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Wholesale financing transactions carried out by group entities [Table Text Block]</link:label>
    <link:label id="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock_label_en-US" xlink:label="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Wholesale financing transactions carried out by group entities [Table Text Block]</link:label>
    <link:label id="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Wholesale financing transactions carried out by group entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock" xlink:to="lab_bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MaturityOfFuturePaymentObligationsLineItems_b9bf2122-bcba-48ae-bd53-236447cf1eeb_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maturity of future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsLineItems" xlink:href="bbva-20241231.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_bbva_AnnualFixedRemunerationSeniorManagementLineItems_dcfa48bc-ffff-441d-af10-771cce98d10f_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Annual fixed remuneration senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationSeniorManagementLineItems" xlink:href="bbva-20241231.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_77f4f5ff-4ecf-4c95-b96d-6a247266d4f2_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_TotalPlanAssetsBreakdownMember_aa114394-991c-46f8-9a45-99ef4090693d_terseLabel_en-US" xlink:label="lab_bbva_TotalPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalPlanAssetsBreakdownMember" xlink:href="bbva-20241231.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_bbva_SeniorPreferred_815597a8-022a-4bce-b6c2-f6ed5928530b_terseLabel_en-US" xlink:label="lab_bbva_SeniorPreferred" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior preferred</link:label>
    <link:label id="lab_bbva_SeniorPreferred_label_en-US" xlink:label="lab_bbva_SeniorPreferred" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior preferred</link:label>
    <link:label id="lab_bbva_SeniorPreferred_documentation_en-US" xlink:label="lab_bbva_SeniorPreferred" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Senior preferred</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorPreferred" xlink:href="bbva-20241231.xsd#bbva_SeniorPreferred"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SeniorPreferred" xlink:to="lab_bbva_SeniorPreferred" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationLineItems_34f815a3-62c8-4cfc-b2c7-c1d4dc1165c4_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred annual variable remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationLineItems" xlink:href="bbva-20241231.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_bbva_AccountingPolicyForLeasesPolicyTextBlock_4eb614c3-c6f7-467c-b289-b2bc731c3bad_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accounting policy for leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForLeasesPolicyTextBlock" xlink:href="bbva-20241231.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_180d1e9d-5331-4fcc-b03e-16f0a671520c_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Estimated benefit payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsTableTextBlock" xlink:href="bbva-20241231.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_ForeignSubsidiariesMember_b17ea35d-764e-4e72-a533-0dbe9656994b_terseLabel_en-US" xlink:label="lab_bbva_ForeignSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign subsidiaries [Member]</link:label>
    <link:label id="lab_bbva_ForeignSubsidiariesMember_label_en-US" xlink:label="lab_bbva_ForeignSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign subsidiaries [Member]</link:label>
    <link:label id="lab_bbva_ForeignSubsidiariesMember_documentation_en-US" xlink:label="lab_bbva_ForeignSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreign subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignSubsidiariesMember" xlink:href="bbva-20241231.xsd#bbva_ForeignSubsidiariesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignSubsidiariesMember" xlink:to="lab_bbva_ForeignSubsidiariesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdministrativeExpense_f683e060-035d-4f1c-9ca9-bed338cff9ab_totalLabel_en-US" xlink:label="lab_ifrs-full_AdministrativeExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Administrative expenses</link:label>
    <link:label id="lab_ifrs-full_AdministrativeExpense_label_en-US" xlink:label="lab_ifrs-full_AdministrativeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Administrative expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdministrativeExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AdministrativeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdministrativeExpense" xlink:to="lab_ifrs-full_AdministrativeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_c15410c6-cc4c-4332-9baa-f68853e4fd1e_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Later than four years and not later than five years [member]</link:label>
    <link:label id="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than four years and not later than five years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:to="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis_0a0f4df8-8a82-4492-b6a0-2cdb56919d88_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_CreditDerivativesMember_313562cb-2f29-485e-b5ba-e4d904b2f454_terseLabel_en-US" xlink:label="lab_bbva_CreditDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Credit derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditDerivativesMember" xlink:href="bbva-20241231.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_dcc1d1ef-5c6e-4e16-8fcc-1bd17cc199a5_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortisedCostLineItems" xlink:href="bbva-20241231.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_6f558bfd-c631-4249-9458-833f47591754_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maximum credit risk exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureTableTextBlock" xlink:href="bbva-20241231.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_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_75998481-9f3c-457f-980e-0cd531cdf13a_terseLabel_en-US" xlink:label="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DerivativesHedgeAccountingMember_e49d5343-a9cd-449e-abbd-365afa676085_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Derivatives hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingMember" xlink:href="bbva-20241231.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_cf85aaa4-71a1-4beb-bb15-2caff9b36b76_terseLabel_en-US" xlink:label="lab_bbva_Tier1PhasedInMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Tier 1 phased in</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Tier1PhasedInMember" xlink:href="bbva-20241231.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_e14fc678-677a-4e6b-8067-6918e570a0f2_terseLabel_en-US" xlink:label="lab_bbva_OtherLiabilitiesTransactionsInProgress" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other Liabilities Transactions In Progress</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLiabilitiesTransactionsInProgress" xlink:href="bbva-20241231.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_14775f9d-0e2c-41af-a57f-b598e78555c0_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" xlink:to="lab_bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FirmsBelongingToTheEYWorldwideOrganization_de958d5f-4a5f-498c-81bd-6a633e92f36f_terseLabel_en-US" xlink:label="lab_bbva_FirmsBelongingToTheEYWorldwideOrganization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Firms belonging to the EY worldwide organization</link:label>
    <link:label id="lab_bbva_FirmsBelongingToTheEYWorldwideOrganization_label_en-US" xlink:label="lab_bbva_FirmsBelongingToTheEYWorldwideOrganization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Firms belonging to the EY worldwide organization</link:label>
    <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" xml:lang="en-US">Firms belonging to the EY worldwide organization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FirmsBelongingToTheEYWorldwideOrganization" xlink:href="bbva-20241231.xsd#bbva_FirmsBelongingToTheEYWorldwideOrganization"/>
    <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_059cc93c-d71b-44e2-a32c-1f454b408808_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_7cd41184-838a-4c15-ae43-48da66c719b3_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_TypesOfCustomersDomain_2f8e9c26-1016-4b7f-8d7e-3d5bc34eb1d3_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of customers [Domain]</link:label>
    <link:label id="lab_ifrs-full_TypesOfCustomersDomain_label_en-US" xlink:label="lab_ifrs-full_TypesOfCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of customers [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfCustomersDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_TypesOfCustomersDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfCustomersDomain" xlink:to="lab_ifrs-full_TypesOfCustomersDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember_85d20fd0-d4e7-43b6-8fbe-47b9d6cfdb01_terseLabel_en-US" xlink:label="lab_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other non convertible subordinated liabilities [Member]</link:label>
    <link:label id="lab_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember_label_en-US" xlink:label="lab_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other non convertible subordinated liabilities [Member]</link:label>
    <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" xml:lang="en-US">Other non convertible subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember" xlink:href="bbva-20241231.xsd#bbva_OtherNonConvertibleSubordinatedLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember" xlink:to="lab_bbva_OtherNonConvertibleSubordinatedLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFromCentralBanksHeldForTrading_6faef842-476c-4ade-8995-8a1e5c357b15_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCentralBanksHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_DepositsFromCentralBanksHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFromCentralBanksHeldForTrading" xlink:to="lab_bbva_DepositsFromCentralBanksHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RevenueFromInterest_624046ca-d039-4aac-81ba-633461bb61d7_totalLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_ifrs-full_RevenueFromInterest_3c2c6dda-b15f-44f2-a060-d6f02c27b031_terseLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain_7f86902c-3ade-407c-8c94-04b70e309ded_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts [Domain]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain_label_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts [Domain]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain_documentation_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:to="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountsTransferredToReserves_09cad389-7592-4a14-b975-36f1844c0721_terseLabel_en-US" xlink:label="lab_bbva_AmountsTransferredToReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amounts transferred to reserves</link:label>
    <link:label id="lab_bbva_AmountsTransferredToReserves_label_en-US" xlink:label="lab_bbva_AmountsTransferredToReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amounts transferred to reserves</link:label>
    <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" xml:lang="en-US">Amounts transferred to reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountsTransferredToReserves" xlink:href="bbva-20241231.xsd#bbva_AmountsTransferredToReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountsTransferredToReserves" xlink:to="lab_bbva_AmountsTransferredToReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VaRAverageInTheYearMember_e7873e8e-c41f-45db-9657-234d643386cc_terseLabel_en-US" xlink:label="lab_bbva_VaRAverageInTheYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">VaR average in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRAverageInTheYearMember" xlink:href="bbva-20241231.xsd#bbva_VaRAverageInTheYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaRAverageInTheYearMember" xlink:to="lab_bbva_VaRAverageInTheYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DefinedContributionPlanExpense_3528b404-0f95-4d4d-b41e-014461f18698_terseLabel_en-US" xlink:label="lab_bbva_DefinedContributionPlanExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined contribution plan expense</link:label>
    <link:label id="lab_bbva_DefinedContributionPlanExpense_label_en-US" xlink:label="lab_bbva_DefinedContributionPlanExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined contribution plan expense</link:label>
    <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" xml:lang="en-US">Defined contribution plan expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DefinedContributionPlanExpense" xlink:href="bbva-20241231.xsd#bbva_DefinedContributionPlanExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DefinedContributionPlanExpense" xlink:to="lab_bbva_DefinedContributionPlanExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract_8b9ff88b-e2bf-4ca9-b58a-dfeb9426b31b_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities And Exchanges Differences [Abstract]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities, Hedge Accounting And Exchanges Differences [Abstract]</link:label>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities, Hedge Accounting And Exchanges Differences [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" xlink:href="bbva-20241231.xsd#bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" xlink:to="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis_ff091091-79a8-4152-8d49-6ffa1d0ca11d_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value breakdown by type of liabilities [Axis]</link:label>
    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis_label_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value breakdown by type of liabilities [Axis]</link:label>
    <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" 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-20241231.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_bbva_BBVAmericaSLMember_9d363866-1c77-4f8e-a61f-a7d5e4492341_terseLabel_en-US" xlink:label="lab_bbva_BBVAmericaSLMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBV America SL</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAmericaSLMember" xlink:href="bbva-20241231.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_ifrs-full_AdjustmentsForReconcileProfitLoss_c3750110-b395-465a-bae8-0a61acf19609_totalLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForReconcileProfitLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_MedicalBenefitsCommitmentsBreakdownByDetailAxis_6cf81908-850c-47fe-a362-167bed813d31_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_9b7863cc-cc3f-42ff-a1f1-3949231f2e2e_terseLabel_en-US" xlink:label="lab_bbva_OtherIntangibleAssetsChangesOfTheYearAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_c00c4c1b-a00d-4231-b9d8-d5955acd3c0f_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_778be950-b1d2-4d19-830f-0b3ec870960d_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maturity of future payment obligations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaturityOfFuturePaymentObligationsTableTextBlock" xlink:href="bbva-20241231.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_5dbe3589-c836-4181-866f-4eee0f8cd524_terseLabel_en-US" xlink:label="lab_bbva_DemandAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Demand accounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DemandAccounts" xlink:href="bbva-20241231.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_3af555fd-eadb-49fc-846b-8150ba3025b5_terseLabel_en-US" xlink:label="lab_bbva_VaRByRiskFactor" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">VaR by risk factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaRByRiskFactor" xlink:href="bbva-20241231.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_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock_e3f68749-257e-4034-a16c-90e742293a96_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock_label_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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>
    <link:label id="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock_documentation_en-US" xlink:label="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Nature Of The Financial Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" xlink:to="lab_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairmentOfTangibleAssets_e2b0619b-9fab-47bc-9bbd-6b1103729985_periodStartLabel_en-US" xlink:label="lab_bbva_ImpairmentOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Impairment of tangible assets</link:label>
    <link:label id="lab_bbva_ImpairmentOfTangibleAssets_210b24fa-ee03-4212-9185-96390adae062_periodEndLabel_en-US" xlink:label="lab_bbva_ImpairmentOfTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Impairment of tangible assets</link:label>
    <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" 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" xml:lang="en-US">Impairment of tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOfTangibleAssets" xlink:href="bbva-20241231.xsd#bbva_ImpairmentOfTangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOfTangibleAssets" xlink:to="lab_bbva_ImpairmentOfTangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FeeAndCommissionExpense_0ba23853-e1ca-4473-98bc-dc2e660d518c_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Fee and commission expense</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionExpense_9c35550a-7a2f-4d92-9291-1924caa7ac97_terseLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fee and commission expense</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionExpense_label_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee and commission expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FeeAndCommissionExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FeeAndCommissionExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FeeAndCommissionExpense" xlink:to="lab_ifrs-full_FeeAndCommissionExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherRealStateSpanishCompaniesMember_34a8e880-bf24-4399-8a25-15afa1f93b33_terseLabel_en-US" xlink:label="lab_bbva_OtherRealStateSpanishCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Real State Spanish Companies</link:label>
    <link:label id="lab_bbva_OtherRealStateSpanishCompaniesMember_label_en-US" xlink:label="lab_bbva_OtherRealStateSpanishCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Real State Spanish Companies [Member]</link:label>
    <link:label id="lab_bbva_OtherRealStateSpanishCompaniesMember_documentation_en-US" xlink:label="lab_bbva_OtherRealStateSpanishCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Real State Spanish Companies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherRealStateSpanishCompaniesMember" xlink:href="bbva-20241231.xsd#bbva_OtherRealStateSpanishCompaniesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherRealStateSpanishCompaniesMember" xlink:to="lab_bbva_OtherRealStateSpanishCompaniesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredTaxTaxLosses_fdcea9b1-66ee-4052-ae1e-fda7c68bf0c4_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxTaxLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred tax tax losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxTaxLosses" xlink:href="bbva-20241231.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_ifrs-full_LevelsOfFairValueHierarchyDomain_69865d2e-52a6-4211-ac25-ab3a1650f426_terseLabel_en-US" xlink:label="lab_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Levels of fair value hierarchy [Domain]</link:label>
    <link:label id="lab_ifrs-full_LevelsOfFairValueHierarchyDomain_label_en-US" xlink:label="lab_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Levels of fair value hierarchy [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LevelsOfFairValueHierarchyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:to="lab_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock_8f2cd539-87f9-46b3-b4d3-43cc65b2c6d3_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_5447cd5f-071b-40c8-8f8c-4a857470e6d9_terseLabel_en-US" xlink:label="lab_bbva_OtherInterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other Interest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherInterestExpense" xlink:href="bbva-20241231.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_c69a448f-fe88-4b94-b57a-14001c829898_terseLabel_en-US" xlink:label="lab_bbva_ResidualMaturitiesByContractualPeriodsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Residual maturities by contractual periods</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ResidualMaturitiesByContractualPeriodsTable" xlink:href="bbva-20241231.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_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss_4f68e640-4662-49a8-abec-983c270ab921_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense on financial liabilities designated at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest expense on financial liabilities designated at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" xlink:to="lab_ifrs-full_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset_c65d793c-fc5a-4e8c-b977-965ae8619542_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_OtherProvisionExpenseImpactOnIncomeStatement_5dad4d95-1ac1-4d0c-9f4a-0e312fe226f7_terseLabel_en-US" xlink:label="lab_bbva_OtherProvisionExpenseImpactOnIncomeStatement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_OtherProvisions_603252e7-c589-467b-b273-497c1bd1a655_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_LiquidityAvailableByInstrumentTable_17adadd8-e28e-4568-9430-3de745da740b_terseLabel_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Liquidity available by instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiquidityAvailableByInstrumentTable" xlink:href="bbva-20241231.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_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain_b9adc295-bc5e-4a7e-ab3d-c8e5c421512c_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentCommitmentsBreakdownByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_004bef22-b9b8-478c-b483-2bd1e42f2fbe_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_SensitivityAnalysisTableTextBlock_5c51fea2-0748-4ae1-9a7b-720a8d5039d1_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisTableTextBlock" xlink:href="bbva-20241231.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_TotalSecuredTaxAssets_41b1eb98-39e0-4db6-b1ee-acbaaf4f560f_terseLabel_en-US" xlink:label="lab_bbva_TotalSecuredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total secured tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalSecuredTaxAssets" xlink:href="bbva-20241231.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_3ecdb9ae-d1d0-4976-a5b7-b92bfe4bfca2_terseLabel_en-US" xlink:label="lab_bbva_FeesAndCommissionExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fees and commission expense [Table Text Block]</link:label>
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    <link:label id="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis_documentation_en-US" xlink:label="lab_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non current assets and disposal groups classified as held for sale changes in the year</link:label>
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    <link:label id="lab_bbva_DepositsFromCreditInstitutions_0259aeb3-8eae-4483-bb53-5888aa7d4fc6_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromCreditInstitutions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from credit institutions</link:label>
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    <link:label id="lab_bbva_TypeOfMembersDomain_47317212-1725-445f-a6a4-085ddca600e6_terseLabel_en-US" xlink:label="lab_bbva_TypeOfMembersDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of members [Domain]</link:label>
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    <link:label id="lab_bbva_TypeOfMembersDomain_documentation_en-US" xlink:label="lab_bbva_TypeOfMembersDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Type of members</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfMembersDomain" xlink:href="bbva-20241231.xsd#bbva_TypeOfMembersDomain"/>
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    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain_e2db38c6-40b1-4076-a386-cfb4a87eeaa7_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis hypothesis result [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain_label_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis hypothesis result [Domain]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis hypothesis result</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain"/>
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    <link:label id="lab_bbva_PostEmploymentMedicalBenefitsEquityImpactMember_6fe1fc44-7c11-43e6-b489-ac75e88d7ccb_terseLabel_en-US" xlink:label="lab_bbva_PostEmploymentMedicalBenefitsEquityImpactMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_PostEmploymentMedicalBenefitsEquityImpactMember"/>
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    <link:label id="lab_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember_d7b44b6b-0164-4512-87b4-3851b7756d0b_terseLabel_en-US" xlink:label="lab_bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_6c8a6f1f-c87d-4aa7-9d91-e3c95bdef239_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsByCountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Estimated benefit payments by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsByCountryAxis" xlink:href="bbva-20241231.xsd#bbva_EstimatedBenefitPaymentsByCountryAxis"/>
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    <link:label id="lab_dei_SecurityExchangeName_19a335d8-5f26-429f-a23f-15fc323fc6cb_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_dcd71de0-05d4-4bef-82a4-83e88e2d3b49_terseLabel_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_EquityInstrumentsRiskHedgeCashFlowMember_a9b3b8cd-e948-4f24-9abe-11b4e64b074b_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_EquityInstrumentsRiskHedgeCashFlowMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsRiskHedgeCashFlowMember" xlink:to="lab_bbva_EquityInstrumentsRiskHedgeCashFlowMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_38914bf5-e95f-44cd-ad10-cf114e028f73_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification Of Financial Assets From Fair Value Through Other Comprehensive Income To Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification of financial assets from fair value through other comprehensive income to non trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reclassification of financial assets from fair value through other comprehensive income to non trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss"/>
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    <link:label id="lab_bbva_TaxesOtherThanIncomeTax_98022858-4a5f-4e5f-b046-e1938cee8cbf_terseLabel_en-US" xlink:label="lab_bbva_TaxesOtherThanIncomeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Taxes Other Than Income Tax</link:label>
    <link:label id="lab_bbva_TaxesOtherThanIncomeTax_label_en-US" xlink:label="lab_bbva_TaxesOtherThanIncomeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Taxes Other Than Income Tax</link:label>
    <link:label id="lab_bbva_TaxesOtherThanIncomeTax_documentation_en-US" xlink:label="lab_bbva_TaxesOtherThanIncomeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Taxes Other Than Income Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxesOtherThanIncomeTax" xlink:href="bbva-20241231.xsd#bbva_TaxesOtherThanIncomeTax"/>
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    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock_e346bbe6-3c84-40c8-b05e-d3d32f9c07c4_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Annual Variable Remuneration from previous years Senior Management [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock"/>
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    <link:label id="lab_ifrs-full_ProvisionsForEmployeeBenefits_c1093582-f875-4ddf-a65a-e9fcd34b9526_terseLabel_en-US" xlink:label="lab_ifrs-full_ProvisionsForEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for employee benefits</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProvisionsForEmployeeBenefits" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ProvisionsForEmployeeBenefits"/>
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    <link:label id="lab_bbva_DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock_2bdb4ad4-f2a3-42f5-ab3d-a626d72a1592_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of non current assets and liabilities and disposal groups classified as held for sale [Text Block]</link:label>
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    <link:label id="lab_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of depreciation and amortisation expense [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory"/>
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    <link:label id="lab_bbva_CreditorsForOtherFinancialLiabilitiesMember_018f043d-32cd-4410-b797-6fbe6dbd0ab3_terseLabel_en-US" xlink:label="lab_bbva_CreditorsForOtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Creditors for other financial liabilities [Member]</link:label>
    <link:label id="lab_bbva_CreditorsForOtherFinancialLiabilitiesMember_label_en-US" xlink:label="lab_bbva_CreditorsForOtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Creditors for other financial liabilities [Member]</link:label>
    <link:label id="lab_bbva_CreditorsForOtherFinancialLiabilitiesMember_documentation_en-US" xlink:label="lab_bbva_CreditorsForOtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Creditors for other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditorsForOtherFinancialLiabilitiesMember" xlink:href="bbva-20241231.xsd#bbva_CreditorsForOtherFinancialLiabilitiesMember"/>
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    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems_cd602c81-2fe4-4f8f-817b-a4ff23e5a00c_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of financial instruments at amortized cost by levels [Line Items]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems_label_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair value of financial instruments at amortized cost by levels [Line Items]</link:label>
    <link:label id="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems_documentation_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" xlink:href="bbva-20241231.xsd#bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" xlink:to="lab_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_StatementOfFinancialPositionAbstract"/>
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    <link:label id="lab_bbva_Mar31Member_811f3e1b-436e-4a68-991a-38946379c1f8_terseLabel_en-US" xlink:label="lab_bbva_Mar31Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mar-31 [Member]</link:label>
    <link:label id="lab_bbva_Mar31Member_label_en-US" xlink:label="lab_bbva_Mar31Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mar-31 [Member]</link:label>
    <link:label id="lab_bbva_Mar31Member_documentation_en-US" xlink:label="lab_bbva_Mar31Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mar-31</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Mar31Member" xlink:href="bbva-20241231.xsd#bbva_Mar31Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Mar31Member" xlink:to="lab_bbva_Mar31Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InsuranceTypologyDomain_6ba2b14a-3ddb-4aee-9367-cc5be8d8194d_terseLabel_en-US" xlink:label="lab_bbva_InsuranceTypologyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance typology [Domain]</link:label>
    <link:label id="lab_bbva_InsuranceTypologyDomain_label_en-US" xlink:label="lab_bbva_InsuranceTypologyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance typology [Domain]</link:label>
    <link:label id="lab_bbva_InsuranceTypologyDomain_documentation_en-US" xlink:label="lab_bbva_InsuranceTypologyDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance typology</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceTypologyDomain" xlink:href="bbva-20241231.xsd#bbva_InsuranceTypologyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InsuranceTypologyDomain" xlink:to="lab_bbva_InsuranceTypologyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DividendIncomeAbstract_label_en-US" xlink:label="lab_bbva_DividendIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend income [Abstract]</link:label>
    <link:label id="lab_bbva_DividendIncomeAbstract_documentation_en-US" xlink:label="lab_bbva_DividendIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Dividend income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DividendIncomeAbstract" xlink:href="bbva-20241231.xsd#bbva_DividendIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DividendIncomeAbstract" xlink:to="lab_bbva_DividendIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CristinaDePariasHalconMember_93f336d2-9317-4c56-a755-d051cd42fdea_terseLabel_en-US" xlink:label="lab_bbva_CristinaDePariasHalconMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cristina de Parias Halc&#243;n [Member]</link:label>
    <link:label id="lab_bbva_CristinaDePariasHalconMember_label_en-US" xlink:label="lab_bbva_CristinaDePariasHalconMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cristina de Parias Halc&#243;n [Member]</link:label>
    <link:label id="lab_bbva_CristinaDePariasHalconMember_documentation_en-US" xlink:label="lab_bbva_CristinaDePariasHalconMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cristina de Parias Halc&#243;n</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CristinaDePariasHalconMember" xlink:href="bbva-20241231.xsd#bbva_CristinaDePariasHalconMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CristinaDePariasHalconMember" xlink:to="lab_bbva_CristinaDePariasHalconMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable_34fede25-46b8-4338-8695-1c52113d0505_terseLabel_en-US" xlink:label="lab_bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_InterestIncomeByOriginLineItems_1827f390-c5e8-4ad5-8bad-bdca5d7717c2_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeByOriginLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest income by origin</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeByOriginLineItems" xlink:href="bbva-20241231.xsd#bbva_InterestIncomeByOriginLineItems"/>
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    <link:label id="lab_bbva_FurnitureMember_2ea9b68b-b910-40c1-a691-834393277f70_terseLabel_en-US" xlink:label="lab_bbva_FurnitureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Furniture</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FurnitureMember" xlink:href="bbva-20241231.xsd#bbva_FurnitureMember"/>
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    <link:label id="lab_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems_3089ca4a-a946-4626-94b3-0d86014b985b_terseLabel_en-US" xlink:label="lab_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_2aee376a-3470-430a-b253-8d9fd6741d2a_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsIssuedOtherThanCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Instruments Issued Other Than Capital [Member]</link:label>
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    <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" 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-20241231.xsd#bbva_EquityInstrumentsIssuedOtherThanCapitalMember"/>
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    <link:label id="lab_bbva_InterestIncomeOrExpenseMember_a79f9cdd-c9ce-4a5e-9277-5b088918408e_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeOrExpenseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest income or expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeOrExpenseMember" xlink:href="bbva-20241231.xsd#bbva_InterestIncomeOrExpenseMember"/>
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    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset_05d3b5be-bb49-454f-8faa-51e35474869f_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) through changes that relate to future service, insurance contracts liability (asset)</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through changes that relate to future service, insurance contracts liability (asset)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseOfImpairedAssets_46f5235b-6fa9-42f7-ac23-040bc4195da3_terseLabel_en-US" xlink:label="lab_bbva_DecreaseOfImpairedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Decrease of impaired assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseOfImpairedAssets" xlink:href="bbva-20241231.xsd#bbva_DecreaseOfImpairedAssets"/>
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    <link:label id="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock_740371dc-74d9-4770-b01a-8ee47ba28166_terseLabel_en-US" xlink:label="lab_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in allowances of loans and advances at amortized cost [Table Text Block]</link:label>
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    <link:label id="lab_ifrs-full_InvestmentsInJointVentures_f0529e9e-c50e-48e4-b989-0e907d96f814_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInJointVentures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments in joint ventures</link:label>
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    <link:label id="lab_bbva_OtherAgreementsHedgeAccountingMember_b8153c3f-6d3e-406d-89d2-8e39a1c64e33_terseLabel_en-US" xlink:label="lab_bbva_OtherAgreementsHedgeAccountingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other agreements hedge accounting</link:label>
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    <link:label id="lab_bbva_RiskAdjustmentForInsuranceAndReinsuranceContractsMember_0a3b9b7f-eece-4280-8b7d-f01d334703b2_terseLabel_en-US" xlink:label="lab_bbva_RiskAdjustmentForInsuranceAndReinsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk adjustment for insurance and reinsurance contracts [Member]</link:label>
    <link:label id="lab_bbva_RiskAdjustmentForInsuranceAndReinsuranceContractsMember_label_en-US" xlink:label="lab_bbva_RiskAdjustmentForInsuranceAndReinsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk adjustment for insurance and reinsurance contracts [Member]</link:label>
    <link:label id="lab_bbva_RiskAdjustmentForInsuranceAndReinsuranceContractsMember_documentation_en-US" xlink:label="lab_bbva_RiskAdjustmentForInsuranceAndReinsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Risk adjustment for insurance and reinsurance contracts</link:label>
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    <link:label id="lab_ifrs-full_UnobservableInputsAxis_870cc082-d977-427b-85ec-1334ee430c01_terseLabel_en-US" xlink:label="lab_ifrs-full_UnobservableInputsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unobservable inputs [axis]</link:label>
    <link:label id="lab_ifrs-full_UnobservableInputsAxis_label_en-US" xlink:label="lab_ifrs-full_UnobservableInputsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unobservable inputs [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_UnobservableInputsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_UnobservableInputsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_UnobservableInputsAxis" xlink:to="lab_ifrs-full_UnobservableInputsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IntangibleAssetsAndGoodwillAbstract_c4dd4d0c-4f8e-45f7-8f5d-bba90a12e9b2_terseLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsAndGoodwillAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets and goodwill [abstract]</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsAndGoodwillAbstract_label_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsAndGoodwillAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible assets and goodwill [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IntangibleAssetsAndGoodwillAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IntangibleAssetsAndGoodwillAbstract"/>
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    <link:label id="lab_bbva_TotalImpactOnEquityDebitCredit_f4edd606-51a4-456c-8305-3762d060bd07_terseLabel_en-US" xlink:label="lab_bbva_TotalImpactOnEquityDebitCredit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total impact on equity debit credit</link:label>
    <link:label id="lab_bbva_TotalImpactOnEquityDebitCredit_label_en-US" xlink:label="lab_bbva_TotalImpactOnEquityDebitCredit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total impact on equity debit credit</link:label>
    <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" 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-20241231.xsd#bbva_TotalImpactOnEquityDebitCredit"/>
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    <link:label id="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain_e5bb5faf-caf2-41f9-8f11-ba1d374fc367_terseLabel_en-US" xlink:label="lab_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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-20241231.xsd#bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain"/>
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    <link:label id="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans_fa05fc17-ecd5-4b18-88ac-11060b8db02f_periodEndLabel_en-US" xlink:label="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Net liability asset</link:label>
    <link:label id="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans_78ded989-2620-4c43-9e00-dcfec70120d1_periodStartLabel_en-US" xlink:label="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Net liability asset</link:label>
    <link:label id="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans_label_en-US" xlink:label="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net defined benefit liability (asset)</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:to="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReverseRepurchaseAgreementAxis_752ce7cc-da8a-4d33-85a6-92f77427b58d_terseLabel_en-US" xlink:label="lab_bbva_ReverseRepurchaseAgreementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Reverse repurchase agreement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReverseRepurchaseAgreementAxis" xlink:href="bbva-20241231.xsd#bbva_ReverseRepurchaseAgreementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReverseRepurchaseAgreementAxis" xlink:to="lab_bbva_ReverseRepurchaseAgreementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock_ef413dc5-e01e-4416-827d-0de9cbfc4718_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives Hedge accounting breakdown by type of risk and type of hedge [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" xlink:href="bbva-20241231.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_bbva_RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock_3dcc6486-7aa2-44e1-87b8-9987137095a4_terseLabel_en-US" xlink:label="lab_bbva_RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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-20241231.xsd#bbva_RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock"/>
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    <link:label id="lab_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory_dd6ab2e5-ce0c-4e3d-b10c-ca707b96a03a_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of non-controlling interests [text block]</link:label>
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    <link:label id="lab_bbva_SecuritiesLendingOnBehalfOfThirdParties_90389f3d-ea17-4fac-93c0-0172f05f6cf0_terseLabel_en-US" xlink:label="lab_bbva_SecuritiesLendingOnBehalfOfThirdParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities lending on behalf of third parties</link:label>
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    <link:label id="lab_bbva_OtherCommitmentsGivenMember_4381330e-823e-4670-ab28-173a07371c2f_terseLabel_en-US" xlink:label="lab_bbva_OtherCommitmentsGivenMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other commitments given [Member]</link:label>
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    <link:label id="lab_bbva_OtherCommitmentsGivenMember_documentation_en-US" xlink:label="lab_bbva_OtherCommitmentsGivenMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other commitments given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherCommitmentsGivenMember" xlink:href="bbva-20241231.xsd#bbva_OtherCommitmentsGivenMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherCommitmentsGivenMember" xlink:to="lab_bbva_OtherCommitmentsGivenMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityVoluntaryFilers_d755cc3d-e21a-4676-9d52-c529091d898a_terseLabel_en-US" xlink:label="lab_dei_EntityVoluntaryFilers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember_a49a8339-ce14-4091-bc16-b2043e4d37f7_terseLabel_en-US" xlink:label="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of which debt securities issued by BBVA in listed markets [Member]</link:label>
    <link:label id="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember_label_en-US" xlink:label="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Of which debt securities issued by BBVA in listed markets [Member]</link:label>
    <link:label id="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember_documentation_en-US" xlink:label="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Of which debt securities issued by BBVA in listed markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" xlink:href="bbva-20241231.xsd#bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" xlink:to="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnidaOperacionesSingularesSAMember_be742659-af4d-4385-9c24-8314f0532897_terseLabel_en-US" xlink:label="lab_bbva_AnidaOperacionesSingularesSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Anida Operaciones Singulares SA [Member]</link:label>
    <link:label id="lab_bbva_AnidaOperacionesSingularesSAMember_label_en-US" xlink:label="lab_bbva_AnidaOperacionesSingularesSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Anida Operaciones Singulares SA [Member]</link:label>
    <link:label id="lab_bbva_AnidaOperacionesSingularesSAMember_documentation_en-US" xlink:label="lab_bbva_AnidaOperacionesSingularesSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Anida Operaciones Singulares SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnidaOperacionesSingularesSAMember" xlink:href="bbva-20241231.xsd#bbva_AnidaOperacionesSingularesSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnidaOperacionesSingularesSAMember" xlink:to="lab_bbva_AnidaOperacionesSingularesSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationTable_8ba87b06-216f-4de3-980e-fe0c067841e3_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration [Table]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationTable_label_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration [Table]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationTable_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationTable" xlink:href="bbva-20241231.xsd#bbva_DeferredAnnualVariableRemunerationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAnnualVariableRemunerationTable" xlink:to="lab_bbva_DeferredAnnualVariableRemunerationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments_1b7f800d-bfca-4680-8446-d72449f71233_terseLabel_en-US" xlink:label="lab_bbva_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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"/>
    <link:label id="lab_bbva_ProvisionsBreakdownByConceptsLineItems_957c1ef0-fa89-4d12-b478-dc80c3f0cdee_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsBreakdownByConceptsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions breakdown by concepts [Line Items]</link:label>
    <link:label id="lab_bbva_ProvisionsBreakdownByConceptsLineItems_label_en-US" xlink:label="lab_bbva_ProvisionsBreakdownByConceptsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions breakdown by concepts [Line Items]</link:label>
    <link:label id="lab_bbva_ProvisionsBreakdownByConceptsLineItems_documentation_en-US" xlink:label="lab_bbva_ProvisionsBreakdownByConceptsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provisions breakdown by concepts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsBreakdownByConceptsLineItems" xlink:href="bbva-20241231.xsd#bbva_ProvisionsBreakdownByConceptsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsBreakdownByConceptsLineItems" xlink:to="lab_bbva_ProvisionsBreakdownByConceptsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable_191972d6-a66d-412f-a45b-d3c4c3810ff0_terseLabel_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Joint ventures and associates breakdown by entities [Table]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable_label_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Joint ventures and associates breakdown by entities [Table]</link:label>
    <link:label id="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable_documentation_en-US" xlink:label="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Joint ventures and associates breakdown by entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable" xlink:href="bbva-20241231.xsd#bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable" xlink:to="lab_bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCountry_726fe81e-5cbf-4ff8-875c-eb38163f588d_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Country</link:label>
    <link:label id="lab_dei_EntityAddressCountry_label_en-US" xlink:label="lab_dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCountry" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCountry"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCountry" xlink:to="lab_dei_EntityAddressCountry" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock_0a29a22b-7316-4db0-9832-6d65c2289bd4_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of share of profit or loss of entities accounted for using the equity method [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of share of profit or loss of entities accounted for using the equity method [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock_documentation_en-US" xlink:label="lab_bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of share of profit or loss of entities accounted for using the equity method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" xlink:to="lab_bbva_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A5To11Member_fd63db1c-0043-4e8a-b7be-259f65e1dd8c_terseLabel_en-US" xlink:label="lab_bbva_A5To11Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">5 to 11 [Member]</link:label>
    <link:label id="lab_bbva_A5To11Member_label_en-US" xlink:label="lab_bbva_A5To11Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">5 to 11 [Member]</link:label>
    <link:label id="lab_bbva_A5To11Member_documentation_en-US" xlink:label="lab_bbva_A5To11Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">5 to 11</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A5To11Member" xlink:href="bbva-20241231.xsd#bbva_A5To11Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A5To11Member" xlink:to="lab_bbva_A5To11Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent_09cbf517-ab97-4233-9d97-359198485c64_periodStartLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts by valuation component</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent_579bb3d7-2bf7-4fc7-b5ed-f7b628def987_periodEndLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts by valuation component</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent_label_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts by valuation component</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent_documentation_en-US" xlink:label="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities under insurance and reinsurance contracts by valuation component</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" xlink:to="lab_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading_96b384dd-528f-492d-a46e-77afe1647cb3_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification Of Financial Assets From Fair Value Through Other Comprehensive Income To Held For Trading</link:label>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading_label_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification of financial assets from fair value through other comprehensive income to held for trading</link:label>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading_documentation_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reclassification of financial assets from fair value through other comprehensive income to held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" xlink:href="bbva-20241231.xsd#bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" xlink:to="lab_bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherDebtInstrumentsMember_933cc705-d918-4343-bdaf-435e760029d0_terseLabel_en-US" xlink:label="lab_bbva_OtherDebtInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other debt instruments [Member]</link:label>
    <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" 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" xml:lang="en-US">Other debt instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherDebtInstrumentsMember" xlink:href="bbva-20241231.xsd#bbva_OtherDebtInstrumentsMember"/>
    <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_3dd779f2-07a4-4d76-95ad-9f2258eb786c_terseLabel_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProductTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_IncomeByTypeOfInsuranceProductTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeByTypeOfInsuranceProductTable" xlink:to="lab_bbva_IncomeByTypeOfInsuranceProductTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OtherOperatingExpenseTableTextBlock_45622372-871f-4cf7-8e49-81442e645c13_terseLabel_en-US" xlink:label="lab_bbva_OtherOperatingExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating expense [Table Text Block]</link:label>
    <link:label id="lab_bbva_OtherOperatingExpenseTableTextBlock_label_en-US" xlink:label="lab_bbva_OtherOperatingExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other operating expense [Table Text Block]</link:label>
    <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" xml:lang="en-US">Other operating expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherOperatingExpenseTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_OtherOperatingExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherOperatingExpenseTableTextBlock" xlink:to="lab_bbva_OtherOperatingExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RetailSegmentMember_105b4b9e-d461-4216-a699-9f3561f8f6ce_terseLabel_en-US" xlink:label="lab_bbva_RetailSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retail segment</link:label>
    <link:label id="lab_bbva_RetailSegmentMember_label_en-US" xlink:label="lab_bbva_RetailSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retail segment [Member]</link:label>
    <link:label id="lab_bbva_RetailSegmentMember_documentation_en-US" xlink:label="lab_bbva_RetailSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Retail segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RetailSegmentMember" xlink:href="bbva-20241231.xsd#bbva_RetailSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RetailSegmentMember" xlink:to="lab_bbva_RetailSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfBBVAGroupTextBlock_b3656787-58b1-471c-82c0-291d17d3cf64_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfBBVAGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of BBVA Group [Text Block]</link:label>
    <link:label id="lab_bbva_DisclosureOfBBVAGroupTextBlock_label_en-US" xlink:label="lab_bbva_DisclosureOfBBVAGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of BBVA Group [Text Block]</link:label>
    <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" xml:lang="en-US">Disclosure of BBVA Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfBBVAGroupTextBlock" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfBBVAGroupTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfBBVAGroupTextBlock" xlink:to="lab_bbva_DisclosureOfBBVAGroupTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_3b2bd7c0-4a51-41a6-9d75-d018c70b9c78_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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:loc xlink:type="locator" xlink:label="loc_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss"/>
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    <link:label id="lab_bbva_DerivativesHedgeAccountingTableTextBlock_22c4a3ef-1619-405f-9a39-7707711ebdbc_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives Hedge accounting [Table Text Block]</link:label>
    <link:label id="lab_bbva_DerivativesHedgeAccountingTableTextBlock_label_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives Hedge accounting [Table Text Block]</link:label>
    <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" xml:lang="en-US">Derivatives Hedge accounting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DerivativesHedgeAccountingTableTextBlock" xlink:href="bbva-20241231.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_909c2419-0021-4548-851a-b0fafbf9aa80_terseLabel_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Depreciation rates for tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationRatesForTangibleAssetsAxis" xlink:href="bbva-20241231.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"/>
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    <link:label id="lab_bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Main margins and profit by operating segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock" xlink:href="bbva-20241231.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_fde3cc25-69e6-4010-b922-4e0a0949067f_terseLabel_en-US" xlink:label="lab_bbva_GaussianCopulaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Gaussian copula</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GaussianCopulaMember" xlink:href="bbva-20241231.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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss_adf9f811-c323-4632-9645-53f05f13ec66_terseLabel_en-US" xlink:label="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value changes of debt instruments measured at fair value through other comprehensive income that may be reclassified to profit or loss</link:label>
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    <link:label id="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value changes of debt instruments measured at fair value through other comprehensive income that may be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance_307f9faa-0186-450e-89ac-847d3de1708b_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_57404a4b-a1ac-4327-b4a0-03a0bd1f7ff3_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMUDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMUDomain" xlink:href="bbva-20241231.xsd#bbva_LtSCDByLMUDomain"/>
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    <link:label id="lab_bbva_OfWhichIndividualMember_0d070b6e-6c55-4bae-8006-b1f9ec3efde0_terseLabel_en-US" xlink:label="lab_bbva_OfWhichIndividualMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which individual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichIndividualMember" xlink:href="bbva-20241231.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_c4a5b3ca-696e-417b-a58b-c79618de43a4_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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-20241231.xsd#bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" xlink:to="lab_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnaPeraltaMorenoMember_7074711c-f5d7-4f75-9a49-6155830fd8b1_terseLabel_en-US" xlink:label="lab_bbva_AnaPeraltaMorenoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Ana Peralta Moreno</link:label>
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    <link:label id="lab_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup_7c8d8170-bffd-4e3a-bb85-e203f76c5281_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities arising from transactions with entities of the Group</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" xlink:href="bbva-20241231.xsd#bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" xlink:to="lab_bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member_2be7d309-4662-44f3-8f0d-71ddfdf5fc1a_terseLabel_en-US" xlink:label="lab_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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_documentation_en-US" xlink:label="lab_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Capital instruments and share premium accounts classified as liabilities and qualifying as additional tier 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" xlink:href="bbva-20241231.xsd#bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" xlink:to="lab_bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments_eac8b367-b282-4477-bb16-1ffd686c0c4c_terseLabel_en-US" xlink:label="lab_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net Provisions post employment and other employee benefit commitments</link:label>
    <link:label id="lab_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments_label_en-US" xlink:label="lab_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Provisions post employment and other employee benefit commitments</link:label>
    <link:label id="lab_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments_documentation_en-US" xlink:label="lab_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Provisions post employment and other employee benefit commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" xlink:href="bbva-20241231.xsd#bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" xlink:to="lab_bbva_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDefinedBenefitPlansTable_022e0604-5d52-40b9-85c3-13c4dedb1f02_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDefinedBenefitPlansTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined benefits [Table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDefinedBenefitPlansTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDefinedBenefitPlansTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of defined benefit plans [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDefinedBenefitPlansTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfDefinedBenefitPlansTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDefinedBenefitPlansTable" xlink:to="lab_ifrs-full_DisclosureOfDefinedBenefitPlansTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentServiceCostDefinedBenefitPlans_cef8ac85-fe4c-4c95-9d0b-3f05db6a33d4_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentServiceCostDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Current service cost, defined benefit plans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentServiceCostDefinedBenefitPlans" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CurrentServiceCostDefinedBenefitPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentServiceCostDefinedBenefitPlans" xlink:to="lab_ifrs-full_CurrentServiceCostDefinedBenefitPlans" xlink:type="arc" order="1"/>
    <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" xml:lang="en-US">Purchase and sale commitments and future payment obligations [Abstract]</link:label>
    <link:label id="lab_bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract_documentation_en-US" xlink:label="lab_bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Purchase and sale commitments and future payment obligations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract" xlink:href="bbva-20241231.xsd#bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract" xlink:to="lab_bbva_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TimeDepostisAndOtherMember_4ee131de-8e90-411b-8060-a127639141f0_terseLabel_en-US" xlink:label="lab_bbva_TimeDepostisAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Time depostis and other [Member]</link:label>
    <link:label id="lab_bbva_TimeDepostisAndOtherMember_label_en-US" xlink:label="lab_bbva_TimeDepostisAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time depostis and other [Member]</link:label>
    <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" xml:lang="en-US">Time depostis and other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TimeDepostisAndOtherMember" xlink:href="bbva-20241231.xsd#bbva_TimeDepostisAndOtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TimeDepostisAndOtherMember" xlink:to="lab_bbva_TimeDepostisAndOtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LoansAndAdvancesAndOtherMember_470e79fe-8eb4-4121-a250-5b5815918a85_terseLabel_en-US" xlink:label="lab_bbva_LoansAndAdvancesAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loans and advances and other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LoansAndAdvancesAndOtherMember" xlink:href="bbva-20241231.xsd#bbva_LoansAndAdvancesAndOtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LoansAndAdvancesAndOtherMember" xlink:to="lab_bbva_LoansAndAdvancesAndOtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingBalancesDomain_2992468a-7cdb-413a-9929-bdae22952843_terseLabel_en-US" xlink:label="lab_bbva_AccountingBalancesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting balances [Domain]</link:label>
    <link:label id="lab_bbva_AccountingBalancesDomain_label_en-US" xlink:label="lab_bbva_AccountingBalancesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting balances [Domain]</link:label>
    <link:label id="lab_bbva_AccountingBalancesDomain_documentation_en-US" xlink:label="lab_bbva_AccountingBalancesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accounting balances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingBalancesDomain" xlink:href="bbva-20241231.xsd#bbva_AccountingBalancesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingBalancesDomain" xlink:to="lab_bbva_AccountingBalancesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PortfolioDomain_2bc83c34-28ae-4e7a-8bd7-89578aa52e06_terseLabel_en-US" xlink:label="lab_bbva_PortfolioDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portfolio [Domain]</link:label>
    <link:label id="lab_bbva_PortfolioDomain_label_en-US" xlink:label="lab_bbva_PortfolioDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio [Domain]</link:label>
    <link:label id="lab_bbva_PortfolioDomain_documentation_en-US" xlink:label="lab_bbva_PortfolioDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Portfolio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PortfolioDomain" xlink:href="bbva-20241231.xsd#bbva_PortfolioDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PortfolioDomain" xlink:to="lab_bbva_PortfolioDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GeneralGovernmentMember_c4698666-7a88-43fb-bd96-065afd58ff44_terseLabel_en-US" xlink:label="lab_bbva_GeneralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">General government [Member]</link:label>
    <link:label id="lab_bbva_GeneralGovernmentMember_label_en-US" xlink:label="lab_bbva_GeneralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">General government [Member]</link:label>
    <link:label id="lab_bbva_GeneralGovernmentMember_documentation_en-US" xlink:label="lab_bbva_GeneralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">General government</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GeneralGovernmentMember" xlink:href="bbva-20241231.xsd#bbva_GeneralGovernmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GeneralGovernmentMember" xlink:to="lab_bbva_GeneralGovernmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_JosMiguelAndrsTorrecillasMember_daf2e051-e4b2-48ef-8d8d-ac2b55538f27_terseLabel_en-US" xlink:label="lab_bbva_JosMiguelAndrsTorrecillasMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</link:label>
    <link:label id="lab_bbva_JosMiguelAndrsTorrecillasMember_label_en-US" xlink:label="lab_bbva_JosMiguelAndrsTorrecillasMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</link:label>
    <link:label id="lab_bbva_JosMiguelAndrsTorrecillasMember_documentation_en-US" xlink:label="lab_bbva_JosMiguelAndrsTorrecillasMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Jos&#233; Miguel Andr&#233;s Torrecillas</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JosMiguelAndrsTorrecillasMember" xlink:href="bbva-20241231.xsd#bbva_JosMiguelAndrsTorrecillasMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_JosMiguelAndrsTorrecillasMember" xlink:to="lab_bbva_JosMiguelAndrsTorrecillasMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualFixedRemunerationTableTextBlock_ee60e0c3-48ac-49dc-a040-9048e08e2561_terseLabel_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration [Table Text Block]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationTableTextBlock_label_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration [Table Text Block]</link:label>
    <link:label id="lab_bbva_AnnualFixedRemunerationTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AnnualFixedRemunerationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual fixed remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualFixedRemunerationTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_AnnualFixedRemunerationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualFixedRemunerationTableTextBlock" xlink:to="lab_bbva_AnnualFixedRemunerationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PublicAdministrationMember_d870214c-dfa1-4909-89f8-3c2d56e5ff84_terseLabel_en-US" xlink:label="lab_bbva_PublicAdministrationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Public administration [Member]</link:label>
    <link:label id="lab_bbva_PublicAdministrationMember_label_en-US" xlink:label="lab_bbva_PublicAdministrationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Public administration [Member]</link:label>
    <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" xml:lang="en-US">Public administration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PublicAdministrationMember" xlink:href="bbva-20241231.xsd#bbva_PublicAdministrationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PublicAdministrationMember" xlink:to="lab_bbva_PublicAdministrationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain_d24b397e-337e-4769-88a7-16d3f42ddf6c_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis potential impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain"/>
    <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_cb9097cd-5bd4-49df-8230-d9f3fb565661_terseLabel_en-US" xlink:label="lab_bbva_LevelTransfersLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Level transfers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LevelTransfersLineItems" xlink:href="bbva-20241231.xsd#bbva_LevelTransfersLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LevelTransfersLineItems" xlink:to="lab_bbva_LevelTransfersLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis_b378c72d-ee55-405c-9118-e095aa6c8731_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of Financial Assets And Liabilities Breakdown By Financial Instrument [Axis]</link:label>
    <link:label id="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis_label_en-US" xlink:label="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of Financial Assets And Liabilities Breakdown By Financial Instrument [Axis]</link:label>
    <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" 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-20241231.xsd#bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" xlink:to="lab_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SecuritiesLocationByCountryDomain_82a5c9bf-f67f-4b3b-a3b7-b2aa632356a3_terseLabel_en-US" xlink:label="lab_bbva_SecuritiesLocationByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Securities location by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SecuritiesLocationByCountryDomain" xlink:href="bbva-20241231.xsd#bbva_SecuritiesLocationByCountryDomain"/>
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    <link:label id="lab_bbva_InterestIncomeOnOtherIncome_56ec132f-a020-4f02-b6fc-8234f830e86f_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeOnOtherIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Income On Other Income</link:label>
    <link:label id="lab_bbva_InterestIncomeOnOtherIncome_label_en-US" xlink:label="lab_bbva_InterestIncomeOnOtherIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income On Other Income</link:label>
    <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" xml:lang="en-US">Interest Income On Other Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeOnOtherIncome" xlink:href="bbva-20241231.xsd#bbva_InterestIncomeOnOtherIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestIncomeOnOtherIncome" xlink:to="lab_bbva_InterestIncomeOnOtherIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseTimeBarredDebtAndOtherCauses_c87902db-8569-4af6-9464-97759cdb4cc1_terseLabel_en-US" xlink:label="lab_bbva_DecreaseTimeBarredDebtAndOtherCauses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Decrease time barred debt and other causes</link:label>
    <link:label id="lab_bbva_DecreaseTimeBarredDebtAndOtherCauses_label_en-US" xlink:label="lab_bbva_DecreaseTimeBarredDebtAndOtherCauses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease time barred debt and other causes</link:label>
    <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" 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-20241231.xsd#bbva_DecreaseTimeBarredDebtAndOtherCauses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DecreaseTimeBarredDebtAndOtherCauses" xlink:to="lab_bbva_DecreaseTimeBarredDebtAndOtherCauses" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_StatementOfCashFlowsLineItems_ba9dbbec-6319-47cd-a504-37a074e86820_terseLabel_en-US" xlink:label="lab_bbva_StatementOfCashFlowsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of cash flows [Line Items]</link:label>
    <link:label id="lab_bbva_StatementOfCashFlowsLineItems_label_en-US" xlink:label="lab_bbva_StatementOfCashFlowsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of cash flows [Line Items]</link:label>
    <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" xml:lang="en-US">Statement of cash flows</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_StatementOfCashFlowsLineItems" xlink:href="bbva-20241231.xsd#bbva_StatementOfCashFlowsLineItems"/>
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    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable_532a7755-188b-4082-8aa2-11aa15d10f16_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location [Table]</link:label>
    <link:label id="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable_label_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location [Table]</link:label>
    <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" 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-20241231.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"/>
    <link:label id="lab_bbva_AverageLtSCDByLMU_ab1fb294-4916-4f8a-85aa-a1b768a056d4_terseLabel_en-US" xlink:label="lab_bbva_AverageLtSCDByLMU" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average LtSCD by LMU</link:label>
    <link:label id="lab_bbva_AverageLtSCDByLMU_label_en-US" xlink:label="lab_bbva_AverageLtSCDByLMU" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average LtSCD by LMU</link:label>
    <link:label id="lab_bbva_AverageLtSCDByLMU_documentation_en-US" xlink:label="lab_bbva_AverageLtSCDByLMU" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Average LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AverageLtSCDByLMU" xlink:href="bbva-20241231.xsd#bbva_AverageLtSCDByLMU"/>
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    <link:label id="lab_bbva_DeferredTaxLossAllowances_9fd1324a-3f97-4cf0-9634-96fe588f1ff2_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxLossAllowances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax loss allowances</link:label>
    <link:label id="lab_bbva_DeferredTaxLossAllowances_label_en-US" xlink:label="lab_bbva_DeferredTaxLossAllowances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred tax loss allowances</link:label>
    <link:label id="lab_bbva_DeferredTaxLossAllowances_documentation_en-US" xlink:label="lab_bbva_DeferredTaxLossAllowances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred tax loss allowances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxLossAllowances" xlink:href="bbva-20241231.xsd#bbva_DeferredTaxLossAllowances"/>
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    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_09e490af-9dc5-4b91-bd4f-f1b7eb7a2b39_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" xml:lang="en-US">Other comprehensive income that will be reclassified to profit or loss, net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DepositsFinancialLiabilitiesHeldForTrading_370f3ddb-1c3a-4d31-9385-bed4cd408881_terseLabel_en-US" xlink:label="lab_bbva_DepositsFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits financial liabilities held for trading</link:label>
    <link:label id="lab_bbva_DepositsFinancialLiabilitiesHeldForTrading_label_en-US" xlink:label="lab_bbva_DepositsFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits financial liabilities held for trading</link:label>
    <link:label id="lab_bbva_DepositsFinancialLiabilitiesHeldForTrading_documentation_en-US" xlink:label="lab_bbva_DepositsFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits financial liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepositsFinancialLiabilitiesHeldForTrading" xlink:href="bbva-20241231.xsd#bbva_DepositsFinancialLiabilitiesHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DepositsFinancialLiabilitiesHeldForTrading" xlink:to="lab_bbva_DepositsFinancialLiabilitiesHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_A2To5Member_bfffcccc-d5c1-4309-8117-52166b33d4e2_terseLabel_en-US" xlink:label="lab_bbva_A2To5Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2 to 5 [Member]</link:label>
    <link:label id="lab_bbva_A2To5Member_label_en-US" xlink:label="lab_bbva_A2To5Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2 to 5 [Member]</link:label>
    <link:label id="lab_bbva_A2To5Member_documentation_en-US" xlink:label="lab_bbva_A2To5Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2 to 5</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A2To5Member" xlink:href="bbva-20241231.xsd#bbva_A2To5Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A2To5Member" xlink:to="lab_bbva_A2To5Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock_634ea3ec-f73c-4873-999f-b7d26d0e01ec_terseLabel_en-US" xlink:label="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity analysis for main assumptions Mexico [Table Text Block]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock_label_en-US" xlink:label="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity analysis for main assumptions Mexico [Table Text Block]</link:label>
    <link:label id="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock_documentation_en-US" xlink:label="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity analysis for main assumptions Mexico</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" xlink:to="lab_bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ClassesOfTangibleAssetsDomain_41e453b6-29e1-4343-aa9c-265a91b182b1_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfTangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of tangible assets [Domain]</link:label>
    <link:label id="lab_bbva_ClassesOfTangibleAssetsDomain_label_en-US" xlink:label="lab_bbva_ClassesOfTangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of tangible assets [Domain]</link:label>
    <link:label id="lab_bbva_ClassesOfTangibleAssetsDomain_documentation_en-US" xlink:label="lab_bbva_ClassesOfTangibleAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Classes of tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClassesOfTangibleAssetsDomain" xlink:href="bbva-20241231.xsd#bbva_ClassesOfTangibleAssetsDomain"/>
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    <link:label id="lab_bbva_TransferredFinancialAssetsDomain_aa8ed205-92ce-4810-9dc9-54ae3e2cb4d0_terseLabel_en-US" xlink:label="lab_bbva_TransferredFinancialAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transferred financial assets [Domain]</link:label>
    <link:label id="lab_bbva_TransferredFinancialAssetsDomain_label_en-US" xlink:label="lab_bbva_TransferredFinancialAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transferred financial assets [Domain]</link:label>
    <link:label id="lab_bbva_TransferredFinancialAssetsDomain_documentation_en-US" xlink:label="lab_bbva_TransferredFinancialAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transferred financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransferredFinancialAssetsDomain" xlink:href="bbva-20241231.xsd#bbva_TransferredFinancialAssetsDomain"/>
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    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreasesMember_15f72bee-5d1d-44bf-889a-e072874eb0a7_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreasesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumption of expected rates of salary increases [member]</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreasesMember_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreasesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of expected rates of salary increases [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreasesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreasesMember"/>
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    <link:label id="lab_bbva_EstimatedBenefitPaymentsLineItems_74f19753-b8c7-4172-af93-2373ee6aed9b_terseLabel_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated benefit payments [Line Items]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsLineItems_label_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimated benefit payments [Line Items]</link:label>
    <link:label id="lab_bbva_EstimatedBenefitPaymentsLineItems_documentation_en-US" xlink:label="lab_bbva_EstimatedBenefitPaymentsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Estimated benefit payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EstimatedBenefitPaymentsLineItems" xlink:href="bbva-20241231.xsd#bbva_EstimatedBenefitPaymentsLineItems"/>
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    <link:label id="lab_bbva_Mar35Member_43f518bb-b437-4535-bc4b-6f18c9f73b05_terseLabel_en-US" xlink:label="lab_bbva_Mar35Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mar-35 [Member]</link:label>
    <link:label id="lab_bbva_Mar35Member_label_en-US" xlink:label="lab_bbva_Mar35Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mar-35 [Member]</link:label>
    <link:label id="lab_bbva_Mar35Member_documentation_en-US" xlink:label="lab_bbva_Mar35Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mar-35</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Mar35Member" xlink:href="bbva-20241231.xsd#bbva_Mar35Member"/>
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    <link:label id="lab_bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember_68f118b0-234c-41f5-9c23-8b03855c0302_terseLabel_en-US" xlink:label="lab_bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portfolio cash flow hedges of interest rate risk [Member]</link:label>
    <link:label id="lab_bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember_label_en-US" xlink:label="lab_bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio cash flow hedges of interest rate risk [Member]</link:label>
    <link:label id="lab_bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember_documentation_en-US" xlink:label="lab_bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Portfolio cash flow hedges of interest rate risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember" xlink:href="bbva-20241231.xsd#bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember"/>
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    <link:label id="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember_f1552791-7442-4d6b-a8aa-8d9715d81ce6_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_CET1PhasedInMember_5df4b96e-4399-4013-bc00-fadd57757887_terseLabel_en-US" xlink:label="lab_bbva_CET1PhasedInMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CET 1 phased in [Member]</link:label>
    <link:label id="lab_bbva_CET1PhasedInMember_label_en-US" xlink:label="lab_bbva_CET1PhasedInMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">CET 1 phased in [Member]</link:label>
    <link:label id="lab_bbva_CET1PhasedInMember_documentation_en-US" xlink:label="lab_bbva_CET1PhasedInMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">CET 1 phased in</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CET1PhasedInMember" xlink:href="bbva-20241231.xsd#bbva_CET1PhasedInMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CET1PhasedInMember" xlink:to="lab_bbva_CET1PhasedInMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain_f2315748-bd39-4111-9092-41351f771665_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and Liabilities under reinsurance and insurance contracts by type of products [Domain]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain_label_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts by type of products [Domain]</link:label>
    <link:label id="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain_documentation_en-US" xlink:label="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities under reinsurance and insurance contracts by type of products</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain" xlink:to="lab_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_2622529d-54b4-4c48-9a7a-94db290a8192_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on cash flow hedges, before tax</link:label>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_label_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on cash flow hedges, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:to="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading_38386b2d-9c15-483e-b525-0bac4496296e_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification Of Financial Assets From Amortized Cost To Held For Trading</link:label>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading_label_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification of financial assets from amortized cost to held for trading</link:label>
    <link:label id="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading_documentation_en-US" xlink:label="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reclassification of financial assets from amortized cost to held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" xlink:href="bbva-20241231.xsd#bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" xlink:to="lab_bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable_1e5e21ab-7ece-41d8-acd5-a6849d7abe5b_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income debt securities [Table]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" xlink:to="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FeeAndCommissionIncome_64c9abf5-732b-47ec-9f0b-8b4e62a054c0_terseLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fee and commission income</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionIncome_label_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee and commission income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FeeAndCommissionIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FeeAndCommissionIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FeeAndCommissionIncome" xlink:to="lab_ifrs-full_FeeAndCommissionIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_f1af8590-b5a8-45e8-935d-5f7ac9d737f0_terseLabel_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_label_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInteractiveDataCurrent" xlink:to="lab_dei_EntityInteractiveDataCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock_3b2b7e18-57ca-4979-b027-7a0b923b17f6_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accounting policy for insurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" xlink:href="bbva-20241231.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_444dee39-e004-4f47-8913-8bed27d7e015_terseLabel_en-US" xlink:label="lab_bbva_BBVABBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA BBB Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVABBBRatingMember" xlink:href="bbva-20241231.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_InterestExpenseRelatedPartyTransactions_4a363cf8-5d63-467c-bc65-f2f76606cb25_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest Expense Related Party Transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseRelatedPartyTransactions" xlink:href="bbva-20241231.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_ifrs-full_IntangibleAssetsOtherThanGoodwill_4a84872d-8259-47b5-9458-6d47ab0cfcb6_terseLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets other than goodwill</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill_463ab4d2-699b-40c7-a0bb-dce4e9db8eb4_periodStartLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Other intangible assets</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill_bec08b44-7d71-40f7-9d98-d2b63e38d009_periodEndLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_LtSCDByLMUAxis_ff72c3a7-e78e-4da5-83e0-60073fc92a61_terseLabel_en-US" xlink:label="lab_bbva_LtSCDByLMUAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">LtSCD by LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LtSCDByLMUAxis" xlink:href="bbva-20241231.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_e65e6421-4c81-4fa9-b08b-ef6db3838c2d_terseLabel_en-US" xlink:label="lab_bbva_MaximumExposureToCreditRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Maximum exposure to credit risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumExposureToCreditRiskMember" xlink:href="bbva-20241231.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_ifrs-full_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_99b19078-8983-408b-8bcb-b62ca33a97f5_terseLabel_en-US" xlink:label="lab_ifrs-full_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt instruments held for trading</link:label>
    <link:label id="lab_ifrs-full_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt instruments held at fair value through profit or loss, classified as held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:to="lab_ifrs-full_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BusinessCreditToRelatedParties_1d538e73-f735-4de8-90dd-c2d3eea3e910_terseLabel_en-US" xlink:label="lab_bbva_BusinessCreditToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Business credit to related parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BusinessCreditToRelatedParties" xlink:href="bbva-20241231.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_a68ea4bb-744a-485e-8d72-495dc901be85_negatedTerseLabel_en-US" xlink:label="lab_bbva_ProvisionOrReversalOfProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Provision or reversal of provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionOrReversalOfProvisions" xlink:href="bbva-20241231.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_f8d596b4-d778-4525-8c22-cc53c3d87574_terseLabel_en-US" xlink:label="lab_bbva_TransfersOutOfLevel2IntoLevel3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Transfers out of level 2 into level 3</link:label>
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    <link:label id="lab_bbva_DepreciationAndAmortisationExasfpenseAbstract_0e62fd4d-b281-48c9-9ad6-79b5d53ffcf8_terseLabel_en-US" xlink:label="lab_bbva_DepreciationAndAmortisationExasfpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Depreciation And Amortisation Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationAndAmortisationExasfpenseAbstract" xlink:href="bbva-20241231.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_40a18c29-bed8-48ea-8fc3-00f3844f4d48_terseLabel_en-US" xlink:label="lab_bbva_CreditAndDebitCardsExpenses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Credit and debit cards expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditAndDebitCardsExpenses" xlink:href="bbva-20241231.xsd#bbva_CreditAndDebitCardsExpenses"/>
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    <link:label id="lab_bbva_TotalLoanCommitmentsAndFinancialGuarantees_4378b6bf-c6d9-4a07-979c-67b9a1fc2472_terseLabel_en-US" xlink:label="lab_bbva_TotalLoanCommitmentsAndFinancialGuarantees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_TotalLoanCommitmentsAndFinancialGuarantees"/>
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    <link:label id="lab_country_CO_6b869bbe-3beb-4f21-b615-1ce315b4a8d4_terseLabel_en-US" xlink:label="lab_country_CO" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">COLOMBIA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_CO" xlink:href="https://xbrl.sec.gov/country/2024/country-2024.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_PendingLegalIssuesAndTaxLitigation_4303b15b-d196-43d4-88f5-e520e6795654_terseLabel_en-US" xlink:label="lab_bbva_PendingLegalIssuesAndTaxLitigation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_country_CL_b4df1e32-aef4-4adc-a21b-8bfb2cb1c19b_terseLabel_en-US" xlink:label="lab_country_CL" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">CHILE</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_CL" xlink:href="https://xbrl.sec.gov/country/2024/country-2024.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_A4.375Member_39064778-5d0f-4e08-8b0e-21c259378f3f_terseLabel_en-US" xlink:label="lab_bbva_A4.375Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">4.375% [Member]</link:label>
    <link:label id="lab_bbva_A4.375Member_label_en-US" xlink:label="lab_bbva_A4.375Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">4.375% [Member]</link:label>
    <link:label id="lab_bbva_A4.375Member_documentation_en-US" xlink:label="lab_bbva_A4.375Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">4.375%</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A4.375Member" xlink:href="bbva-20241231.xsd#bbva_A4.375Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A4.375Member" xlink:to="lab_bbva_A4.375Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract_42dfc092-c8db-4173-aee2-0ecd4b64fab5_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income [abstract]</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfShareCapitalAxis_f5702cda-0826-4192-a4f5-37c8cc5a0bd5_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of share capital [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfShareCapitalAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of share capital [axis]</link:label>
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    <link:label id="lab_bbva_HeldByCorporacionGeneralFinancieraSAMember_0c662481-4a27-42c1-8678-28c2073744ce_terseLabel_en-US" xlink:label="lab_bbva_HeldByCorporacionGeneralFinancieraSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Held by Corporaci&#243;n General Financiera S.A. [Member]</link:label>
    <link:label id="lab_bbva_HeldByCorporacionGeneralFinancieraSAMember_label_en-US" xlink:label="lab_bbva_HeldByCorporacionGeneralFinancieraSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Held by Corporaci&#243;n General Financiera S.A. [Member]</link:label>
    <link:label id="lab_bbva_HeldByCorporacionGeneralFinancieraSAMember_documentation_en-US" xlink:label="lab_bbva_HeldByCorporacionGeneralFinancieraSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Held by Corporaci&#243;n General Financiera S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HeldByCorporacionGeneralFinancieraSAMember" xlink:href="bbva-20241231.xsd#bbva_HeldByCorporacionGeneralFinancieraSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_HeldByCorporacionGeneralFinancieraSAMember" xlink:to="lab_bbva_HeldByCorporacionGeneralFinancieraSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_2b92007c-cc11-4e83-8c18-20705a2c1b35_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset"/>
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    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesTable_534fce55-b4c4-4a63-93ca-726db5c057e8_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries [Table]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesTable_label_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries [Table]</link:label>
    <link:label id="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesTable_documentation_en-US" xlink:label="lab_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tangible assets by Spanish and foreign subsidiaries</link:label>
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    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisTable_0688c723-bab3-4e37-b9ab-ff66c8b5bf95_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets level 3 sensitivity analysis [Table]</link:label>
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    <link:label id="lab_country_AR_cca3bc8b-4e5f-49e7-abed-e8d6960f6d2d_terseLabel_en-US" xlink:label="lab_country_AR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ARGENTINA</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_country_AR" xlink:href="https://xbrl.sec.gov/country/2024/country-2024.xsd#country_AR"/>
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    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_b389763e-32d0-4917-8814-a7f894c982bb_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on exchange differences on translation, before tax</link:label>
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    <link:label id="lab_bbva_BBVAAAPlusRatingMember_7a335416-df14-4672-a7b9-cd15140eb396_terseLabel_en-US" xlink:label="lab_bbva_BBVAAAPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBVA AA Plus Rating [Member]</link:label>
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    <link:label id="lab_bbva_BBVAAAPlusRatingMember_documentation_en-US" xlink:label="lab_bbva_BBVAAAPlusRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBVA AA Plus Rating</link:label>
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    <link:label id="lab_bbva_PresentValueMethodMember_22d24ff7-2d7f-49d4-a11f-f675e2a6092b_terseLabel_en-US" xlink:label="lab_bbva_PresentValueMethodMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Present value method [Member]</link:label>
    <link:label id="lab_bbva_PresentValueMethodMember_label_en-US" xlink:label="lab_bbva_PresentValueMethodMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Present value method [Member]</link:label>
    <link:label id="lab_bbva_PresentValueMethodMember_documentation_en-US" xlink:label="lab_bbva_PresentValueMethodMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Present value method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PresentValueMethodMember" xlink:href="bbva-20241231.xsd#bbva_PresentValueMethodMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PresentValueMethodMember" xlink:to="lab_bbva_PresentValueMethodMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract_a84137d2-3392-4844-a455-fd6cc35bc861_terseLabel_en-US" xlink:label="lab_bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management [Abstract]</link:label>
    <link:label id="lab_bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract_label_en-US" xlink:label="lab_bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management [Abstract]</link:label>
    <link:label id="lab_bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract_documentation_en-US" xlink:label="lab_bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" xlink:href="bbva-20241231.xsd#bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" xlink:to="lab_bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationTable_ed54c840-d76d-4a57-b159-0e7b3d4782b8_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual variable remuneration [Table]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationTable_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual variable remuneration [Table]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationTable_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual variable remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationTable" xlink:href="bbva-20241231.xsd#bbva_AnnualVariableRemunerationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationTable" xlink:to="lab_bbva_AnnualVariableRemunerationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_16c4feee-6f2d-498f-aa67-e247dd011b50_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross financial assets set off against financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:label id="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_label_en-US" xlink:label="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross financial assets set off against financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares_f7520800-0300-4203-b0a9-4bab242f7cdd_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration BBVA directors in shares</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares_label_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration BBVA directors in shares</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred annual variable remuneration BBVA directors in shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares" xlink:href="bbva-20241231.xsd#bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares" xlink:to="lab_bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpenseBreakdownByOriginTableTextBlock_afba0da1-3375-4667-b74c-6a52a01421e3_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseBreakdownByOriginTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense breakdown by origin [Table Text Block]</link:label>
    <link:label id="lab_bbva_InterestExpenseBreakdownByOriginTableTextBlock_label_en-US" xlink:label="lab_bbva_InterestExpenseBreakdownByOriginTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest expense breakdown by origin [Table Text Block]</link:label>
    <link:label id="lab_bbva_InterestExpenseBreakdownByOriginTableTextBlock_documentation_en-US" xlink:label="lab_bbva_InterestExpenseBreakdownByOriginTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest expense breakdown by origin</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestExpenseBreakdownByOriginTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_InterestExpenseBreakdownByOriginTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestExpenseBreakdownByOriginTableTextBlock" xlink:to="lab_bbva_InterestExpenseBreakdownByOriginTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss_384160ba-86aa-4b71-af87-5fb935a82870_totalLabel_en-US" xlink:label="lab_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income that will be reclassified to profit or loss, net of tax</link:label>
    <link:label id="lab_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss_7c79aaf1-19ec-49e3-8496-2365b555e07c_terseLabel_en-US" xlink:label="lab_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income that will be reclassified to profit or loss, net of tax</link:label>
    <link:label id="lab_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Items that may be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Items that may be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss" xlink:href="bbva-20241231.xsd#bbva_ItemsThatMayBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss" xlink:to="lab_bbva_ItemsThatMayBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount_9e85a7e8-a922-43bb-ad4b-a000edb32f8b_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances at amortised cost, gross carrying amount</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount_01aba719-8c4b-4193-8181-c3c9095f40ef_periodStartLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Gross carrying amount loans and advances at amortized cost</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount_45a7398f-a196-400c-9a18-ac87f37d3074_periodEndLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Gross carrying amount loans and advances at amortized cost</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount_label_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances at amortised cost, gross carrying amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" xlink:to="lab_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EquityImpactLineItems_c3cd176b-ae95-428c-9028-9bac54f12c35_terseLabel_en-US" xlink:label="lab_bbva_EquityImpactLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity impact [Line Items]</link:label>
    <link:label id="lab_bbva_EquityImpactLineItems_label_en-US" xlink:label="lab_bbva_EquityImpactLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity impact [Line Items]</link:label>
    <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" xml:lang="en-US">Equity impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityImpactLineItems" xlink:href="bbva-20241231.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_e9a9c35f-d7c8-4a9e-8b06-dcac2efd0638_terseLabel_en-US" xlink:label="lab_bbva_OfWhichOTCCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which OTC credit institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichOTCCreditInstitutionsMember" xlink:href="bbva-20241231.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_774278a5-824e-466d-9e8c-111951c46fd2_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_NonlifeInsuranceContractsMember_9a84a950-654f-4bc8-a1df-8a86a81e8da9_terseLabel_en-US" xlink:label="lab_bbva_NonlifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-life insurance contracts [member]</link:label>
    <link:label id="lab_bbva_NonlifeInsuranceContractsMember_label_en-US" xlink:label="lab_bbva_NonlifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-life insurance contracts [member]</link:label>
    <link:label id="lab_bbva_NonlifeInsuranceContractsMember_documentation_en-US" xlink:label="lab_bbva_NonlifeInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for non-life insurance contracts. [Refer: Types of insurance contracts [member]]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonlifeInsuranceContractsMember" xlink:href="bbva-20241231.xsd#bbva_NonlifeInsuranceContractsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NonlifeInsuranceContractsMember" xlink:to="lab_bbva_NonlifeInsuranceContractsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityAttributableToOwnersOfParentMember_99aa89c5-c315-422b-93af-df1e37e3b492_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_dei_AuditorFirmId_0795f902-1412-4e10-ab0f-584707ad9448_terseLabel_en-US" xlink:label="lab_dei_AuditorFirmId" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ifrs-full_Assets_5c83f2e7-d934-4125-b6b0-296fae916312_totalLabel_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_ifrs-full_Assets_9bb1ed17-5481-4f40-b25d-9e89e53d09f1_terseLabel_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_NotLaterThanOneYearMember_a76639ab-cc47-45db-9474-b288c23a1fbc_terseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Not later than one year [member]</link:label>
    <link:label id="lab_ifrs-full_NotLaterThanOneYearMember_label_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not later than one year [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotLaterThanOneYearMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_NotLaterThanOneYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NotLaterThanOneYearMember" xlink:to="lab_ifrs-full_NotLaterThanOneYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CommonEquityTIER1CET1Member_1e75462a-d229-497b-a019-f9a899f21fe8_terseLabel_en-US" xlink:label="lab_bbva_CommonEquityTIER1CET1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Common equity TIER 1 CET1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CommonEquityTIER1CET1Member" xlink:href="bbva-20241231.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_3e5c8df2-cc8d-4eac-a904-485d0135a3b9_terseLabel_en-US" xlink:label="lab_bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_5c543441-d3c1-4fbd-b348-101748e9fa16_terseLabel_en-US" xlink:label="lab_bbva_FairValueOfFinancialInstrumentsByLevelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_ProceedsFromIssuingShares_ac3874ba-e5a3-4a6f-b0f5-016b38cdb7f6_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssuingShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_OtherExchangesMember_b4ad951f-bf31-4b05-90e7-1ffd392066ca_terseLabel_en-US" xlink:label="lab_bbva_OtherExchangesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other exchanges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherExchangesMember" xlink:href="bbva-20241231.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_8427d9f3-bd95-4147-b0bf-03ca955c2940_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_a7626693-bea9-483b-bd3a-c67d9947882c_terseLabel_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1Axis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Amount of capital CC1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfCapitalCC1Axis" xlink:href="bbva-20241231.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_aab1f472-d757-4cc3-850b-1dae060f7575_terseLabel_en-US" xlink:label="lab_bbva_OtherCommitmentsAndFinancialGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Commitments And Financial Guarantees Given</link:label>
    <link:label id="lab_bbva_OtherCommitmentsAndFinancialGuaranteesGiven_label_en-US" xlink:label="lab_bbva_OtherCommitmentsAndFinancialGuaranteesGiven" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments And Financial Guarantees Given</link:label>
    <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" xml:lang="en-US">Other Commitments And Financial Guarantees Given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherCommitmentsAndFinancialGuaranteesGiven" xlink:href="bbva-20241231.xsd#bbva_OtherCommitmentsAndFinancialGuaranteesGiven"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherCommitmentsAndFinancialGuaranteesGiven" xlink:to="lab_bbva_OtherCommitmentsAndFinancialGuaranteesGiven" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember_c6df5dda-b132-41b8-ba26-2e9539afb11f_terseLabel_en-US" xlink:label="lab_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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_documentation_en-US" xlink:label="lab_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Qualifying tier 1 capital included in consolidated AT1 capital issued by subsidiaries and held by third parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:href="bbva-20241231.xsd#bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:to="lab_bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup_9e807c65-1c2e-41bc-b14c-46268e0dccb7_terseLabel_en-US" xlink:label="lab_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:to="lab_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GeographicalImpactOfTheStressTestDomain_ada7dd76-c395-4ccb-94d6-d3ecb5b877aa_terseLabel_en-US" xlink:label="lab_bbva_GeographicalImpactOfTheStressTestDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical Impact of the stress test [Domain]</link:label>
    <link:label id="lab_bbva_GeographicalImpactOfTheStressTestDomain_label_en-US" xlink:label="lab_bbva_GeographicalImpactOfTheStressTestDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical Impact of the stress test [Domain]</link:label>
    <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" xml:lang="en-US">Geographical Impact of the stress test</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GeographicalImpactOfTheStressTestDomain" xlink:href="bbva-20241231.xsd#bbva_GeographicalImpactOfTheStressTestDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GeographicalImpactOfTheStressTestDomain" xlink:to="lab_bbva_GeographicalImpactOfTheStressTestDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_StructuredDebtMember_065c8f57-84a7-416b-82e8-9b610e7c2c14_terseLabel_en-US" xlink:label="lab_bbva_StructuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Structured debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_StructuredDebtMember" xlink:href="bbva-20241231.xsd#bbva_StructuredDebtMember"/>
    <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_LoansAndReceivablesBreakdownByCounterAndProductTable_5b1f0cca-c5dd-4963-b6e4-b550415274bd_terseLabel_en-US" xlink:label="lab_bbva_LoansAndReceivablesBreakdownByCounterAndProductTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax_5d105d1c-dd9b-42c5-9004-059a20ea9c2a_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:to="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems_716ca51c-2ba3-4e09-83c2-3f4e1d9736b9_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_InsuranceContractsPlanAssetsBreakdownMember_d1faa4f1-7266-4d88-8646-1ddb64ba4a37_terseLabel_en-US" xlink:label="lab_bbva_InsuranceContractsPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Insurance contracts plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InsuranceContractsPlanAssetsBreakdownMember" xlink:href="bbva-20241231.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_A6.875Member_f25ba843-83d1-42b0-84fb-90c963f3f70b_terseLabel_en-US" xlink:label="lab_bbva_A6.875Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">6.875% [Member]</link:label>
    <link:label id="lab_bbva_A6.875Member_label_en-US" xlink:label="lab_bbva_A6.875Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">6.875% [Member]</link:label>
    <link:label id="lab_bbva_A6.875Member_documentation_en-US" xlink:label="lab_bbva_A6.875Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">6.875%</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_A6.875Member" xlink:href="bbva-20241231.xsd#bbva_A6.875Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_A6.875Member" xlink:to="lab_bbva_A6.875Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BBVAAARatingMember_2a7e1ae3-f752-4b03-9bfe-5ccd667a1ece_terseLabel_en-US" xlink:label="lab_bbva_BBVAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA AA Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAAARatingMember" xlink:href="bbva-20241231.xsd#bbva_BBVAAARatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_BBVAAARatingMember" xlink:to="lab_bbva_BBVAAARatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PriceVolatility_1575b0e0-cd80-430a-b461-b1705f771412_terseLabel_en-US" xlink:label="lab_bbva_PriceVolatility" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Price volatility</link:label>
    <link:label id="lab_bbva_PriceVolatility_label_en-US" xlink:label="lab_bbva_PriceVolatility" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Price volatility</link:label>
    <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" xml:lang="en-US">Price volatility</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PriceVolatility" xlink:href="bbva-20241231.xsd#bbva_PriceVolatility"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PriceVolatility" xlink:to="lab_bbva_PriceVolatility" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests_bd71eca5-1621-4225-88ff-d440cb90315e_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Profit (loss), attributable to non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests_ed13320e-2e17-4c88-8910-8118de1fa6d0_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit (loss), attributable to non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests_label_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss), attributable to non-controlling interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ProfitLossAttributableToNoncontrollingInterests"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:to="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome_68f0ce1c-a471-4854-a3e5-0b5fae327436_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Interest And Other Income</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Interest And Other Income</link:label>
    <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" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income Interest And Other Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" xlink:to="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_d2e83d82-d89c-46be-931c-d1650b6d675f_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in defined benefit obligation due to reasonably possible increase in actuarial assumption</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in defined benefit obligation due to reasonably possible increase in actuarial assumption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption"/>
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    <link:label id="lab_ifrs-full_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_e7f70f35-cb47-4b05-8c43-accb54daf22f_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances at fair value through profit or loss, classified as held for trading</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances at fair value through profit or loss, classified as held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:to="lab_ifrs-full_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherEquityInterest_ff52ad54-2e6c-4fcb-a7e5-239769f6786f_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherEquityInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Other equity interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherEquityInterest" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherEquityInterest"/>
    <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_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset_ab6a0439-77ba-4439-be15-088fce62122e_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from business combinations and disposals</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from business combinations and disposals</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock_b86f1a96-a4fb-45bd-bdf2-237a1380dadc_terseLabel_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Cash Balances At Central Banks And Other Demand Deposits [Table Text Block]</link:label>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock_label_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Cash Balances At Central Banks And Other Demand Deposits [Table Text Block]</link:label>
    <link:label id="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" xlink:to="lab_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetLiabilityAssetChangesOfTheYear_38ff3612-b2ec-44c3-b34b-b6d590f7bf64_terseLabel_en-US" xlink:label="lab_bbva_NetLiabilityAssetChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net liability asset changes of the year</link:label>
    <link:label id="lab_bbva_NetLiabilityAssetChangesOfTheYear_label_en-US" xlink:label="lab_bbva_NetLiabilityAssetChangesOfTheYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net liability asset changes of the year</link:label>
    <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" xml:lang="en-US">Net liability asset changes of the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetLiabilityAssetChangesOfTheYear" xlink:href="bbva-20241231.xsd#bbva_NetLiabilityAssetChangesOfTheYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetLiabilityAssetChangesOfTheYear" xlink:to="lab_bbva_NetLiabilityAssetChangesOfTheYear" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LiquidityAvailableByInstrumentsAxis_5d4e7d8a-8ce4-4c3b-a3be-5c3a61867131_terseLabel_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liquidity available by instruments [Axis]</link:label>
    <link:label id="lab_bbva_LiquidityAvailableByInstrumentsAxis_label_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liquidity available by instruments [Axis]</link:label>
    <link:label id="lab_bbva_LiquidityAvailableByInstrumentsAxis_documentation_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liquidity available by instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiquidityAvailableByInstrumentsAxis" xlink:href="bbva-20241231.xsd#bbva_LiquidityAvailableByInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiquidityAvailableByInstrumentsAxis" xlink:to="lab_bbva_LiquidityAvailableByInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember_da9eb5f0-6d15-4e9e-b1e4-a861cabd2aa2_terseLabel_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of which loss allowances of loans and advances [Member]</link:label>
    <link:label id="lab_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember_label_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Of which loss allowances of loans and advances [Member]</link:label>
    <link:label id="lab_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember_documentation_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Of which loss allowances of loans and advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember" xlink:href="bbva-20241231.xsd#bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember" xlink:to="lab_bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignExchangeAndGoldMember_53c6e8fb-af82-4485-ab74-cf8e027a5a30_terseLabel_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign exchange and gold [Member]</link:label>
    <link:label id="lab_bbva_ForeignExchangeAndGoldMember_label_en-US" xlink:label="lab_bbva_ForeignExchangeAndGoldMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign exchange and gold [Member]</link:label>
    <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" xml:lang="en-US">Foreign exchange and gold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignExchangeAndGoldMember" xlink:href="bbva-20241231.xsd#bbva_ForeignExchangeAndGoldMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForeignExchangeAndGoldMember" xlink:to="lab_bbva_ForeignExchangeAndGoldMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ContractualServiceMarginMember_68a44781-595d-44a8-a9e0-578cef435557_terseLabel_en-US" xlink:label="lab_ifrs-full_ContractualServiceMarginMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contractual service margin [member]</link:label>
    <link:label id="lab_ifrs-full_ContractualServiceMarginMember_label_en-US" xlink:label="lab_ifrs-full_ContractualServiceMarginMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual service margin [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ContractualServiceMarginMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_ContractualServiceMarginMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ContractualServiceMarginMember" xlink:to="lab_ifrs-full_ContractualServiceMarginMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationAxis_f552a4a4-2d2b-4f60-be64-939f165208a9_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual variable remuneration [Axis]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationAxis_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual variable remuneration [Axis]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationAxis_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual variable remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationAxis" xlink:href="bbva-20241231.xsd#bbva_AnnualVariableRemunerationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationAxis" xlink:to="lab_bbva_AnnualVariableRemunerationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EarlyRetirementCommitments_667fc90c-50ee-4762-9886-9ac208335288_terseLabel_en-US" xlink:label="lab_bbva_EarlyRetirementCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Early retirement commitments</link:label>
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    <link:label id="lab_bbva_TotalNetDefinedBenefitLiabilityAssets_documentation_en-US" xlink:label="lab_bbva_TotalNetDefinedBenefitLiabilityAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total net defined benefit liability assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalNetDefinedBenefitLiabilityAssets" xlink:href="bbva-20241231.xsd#bbva_TotalNetDefinedBenefitLiabilityAssets"/>
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    <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" 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-20241231.xsd#bbva_FinancialAssetsAtAmortizedCostInterestAndOtherIncome"/>
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    <link:label id="lab_ifrs-full_TypesOfInterestRatesDomain_9ded020f-f2b8-46df-bf59-33fd4979b315_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfInterestRatesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of interest rates [domain]</link:label>
    <link:label id="lab_ifrs-full_TypesOfInterestRatesDomain_label_en-US" xlink:label="lab_ifrs-full_TypesOfInterestRatesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of interest rates [domain]</link:label>
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    <link:label id="lab_bbva_ImpairmentTestAssumptionsMexicoLineItems_dc1a2601-0bc6-4ad4-aa3f-69983c29e916_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsMexicoLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Impairment test assumptions Mexico</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentTestAssumptionsMexicoLineItems" xlink:href="bbva-20241231.xsd#bbva_ImpairmentTestAssumptionsMexicoLineItems"/>
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    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences_75e75854-2610-426d-abf4-dc883797bb74_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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-20241231.xsd#bbva_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences"/>
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    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability_aaf9bdeb-8814-4643-90bc-f8eb467bba62_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, change in fair value of financial liability attributable to change in credit risk of liability</link:label>
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    <link:label id="lab_ifrs-full_ClassesOfShareCapitalDomain_ff9e49ed-fcb9-4acf-85d3-0f2ece949056_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of share capital [domain]</link:label>
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    <link:label id="lab_bbva_OfWhichHyperinflationEffectFromOperatingActivities_31d1e64d-5bf0-43ef-a5a6-c850c2289ec0_terseLabel_en-US" xlink:label="lab_bbva_OfWhichHyperinflationEffectFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of Which Hyperinflation Effect From Operating Activities</link:label>
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    <link:label id="lab_bbva_MaximumCreditRiskExposureToCustomersDomain_ec3251b9-103c-4502-9aca-57e02d15ba5c_terseLabel_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureToCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum credit risk exposure to customers [Domain]</link:label>
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    <link:label id="lab_bbva_MaximumCreditRiskExposureToCustomersDomain_documentation_en-US" xlink:label="lab_bbva_MaximumCreditRiskExposureToCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum credit risk exposure to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MaximumCreditRiskExposureToCustomersDomain" xlink:href="bbva-20241231.xsd#bbva_MaximumCreditRiskExposureToCustomersDomain"/>
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    <link:label id="lab_bbva_ReclassificationOfOtherGainsLossesToHeldForTrading_3cec3fe7-c52f-4cc2-94db-67ef2b0a8c11_terseLabel_en-US" xlink:label="lab_bbva_ReclassificationOfOtherGainsLossesToHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification Of Other Gains Losses To Held For Trading</link:label>
    <link:label id="lab_bbva_ReclassificationOfOtherGainsLossesToHeldForTrading_label_en-US" xlink:label="lab_bbva_ReclassificationOfOtherGainsLossesToHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification of other gains (losses) to held for trading</link:label>
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    <link:label id="lab_bbva_CustomerDepositsRepurchaseAgreementsMember_490b0a05-cfcf-4c74-99f1-35433778127d_terseLabel_en-US" xlink:label="lab_bbva_CustomerDepositsRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer deposits repurchase agreements</link:label>
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    <link:label id="lab_bbva_CreditDefaultSwapContractMember_555c9cbb-f086-48aa-a88a-e7fc9067b61d_terseLabel_en-US" xlink:label="lab_bbva_CreditDefaultSwapContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit default swap contract [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditDefaultSwapContractMember" xlink:href="bbva-20241231.xsd#bbva_CreditDefaultSwapContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditDefaultSwapContractMember" xlink:to="lab_bbva_CreditDefaultSwapContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_country_ES_1a268b61-cf45-4018-83a9-92a161d15cd2_terseLabel_en-US" xlink:label="lab_country_ES" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">SPAIN</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_ES" xlink:href="https://xbrl.sec.gov/country/2024/country-2024.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_bbva_VaREstimationAxis_af000357-2e35-446b-81ee-588a533f64e3_terseLabel_en-US" xlink:label="lab_bbva_VaREstimationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">VaR estimation [Axis]</link:label>
    <link:label id="lab_bbva_VaREstimationAxis_label_en-US" xlink:label="lab_bbva_VaREstimationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">VaR estimation [Axis]</link:label>
    <link:label id="lab_bbva_VaREstimationAxis_documentation_en-US" xlink:label="lab_bbva_VaREstimationAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">VaR estimation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VaREstimationAxis" xlink:href="bbva-20241231.xsd#bbva_VaREstimationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_VaREstimationAxis" xlink:to="lab_bbva_VaREstimationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions_7138dd31-5418-430e-a7d1-829814e905de_terseLabel_en-US" xlink:label="lab_bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions of provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions_label_en-US" xlink:label="lab_bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additions of provisions for taxes legal contingents and other provisions</link:label>
    <link:label id="lab_bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions_documentation_en-US" xlink:label="lab_bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additions of provisions for taxes legal contingents and other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:href="bbva-20241231.xsd#bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:to="lab_bbva_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Jun24Member_5a22a293-d75b-4bb6-a77f-4bf38d2bde2f_terseLabel_en-US" xlink:label="lab_bbva_Jun24Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Jun-24 [Member]</link:label>
    <link:label id="lab_bbva_Jun24Member_label_en-US" xlink:label="lab_bbva_Jun24Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jun-24 [Member]</link:label>
    <link:label id="lab_bbva_Jun24Member_documentation_en-US" xlink:label="lab_bbva_Jun24Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Jun-24</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Jun24Member" xlink:href="bbva-20241231.xsd#bbva_Jun24Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Jun24Member" xlink:to="lab_bbva_Jun24Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NetExchangeDifferencesWrittenOff_5501e82b-6526-4af2-a62e-ba11b07b68ec_terseLabel_en-US" xlink:label="lab_bbva_NetExchangeDifferencesWrittenOff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net exchange differences written off</link:label>
    <link:label id="lab_bbva_NetExchangeDifferencesWrittenOff_label_en-US" xlink:label="lab_bbva_NetExchangeDifferencesWrittenOff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net exchange differences written off</link:label>
    <link:label id="lab_bbva_NetExchangeDifferencesWrittenOff_documentation_en-US" xlink:label="lab_bbva_NetExchangeDifferencesWrittenOff" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net exchange differences written off</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NetExchangeDifferencesWrittenOff" xlink:href="bbva-20241231.xsd#bbva_NetExchangeDifferencesWrittenOff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NetExchangeDifferencesWrittenOff" xlink:to="lab_bbva_NetExchangeDifferencesWrittenOff" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale_6a3536ab-4dd8-4a2c-bbbb-570c83272f96_negatedTerseLabel_en-US" xlink:label="lab_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Valuation gains losses taken to equity non current assets held for sale</link:label>
    <link:label id="lab_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale_label_en-US" xlink:label="lab_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation gains losses taken to equity non current assets held for sale</link:label>
    <link:label id="lab_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Valuation gains losses taken to equity non current assets held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" xlink:href="bbva-20241231.xsd#bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" xlink:to="lab_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent_765a8423-b5a9-4a90-a42f-45bbe99a36fd_terseLabel_en-US" xlink:label="lab_bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial income (expense) from insurance contracts</link:label>
    <link:label id="lab_bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent_label_en-US" xlink:label="lab_bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial income (expense) from insurance contracts by valuation component</link:label>
    <link:label id="lab_bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent_documentation_en-US" xlink:label="lab_bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial income (expense) from insurance contracts by valuation component</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" xlink:href="bbva-20241231.xsd#bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" xlink:to="lab_bbva_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MarketRiskSensitivityAnalysisLineItems_01a5b86b-81af-43e4-b40d-de138cb04165_terseLabel_en-US" xlink:label="lab_bbva_MarketRiskSensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Market risk sensitivity analysis [Line Items]</link:label>
    <link:label id="lab_bbva_MarketRiskSensitivityAnalysisLineItems_label_en-US" xlink:label="lab_bbva_MarketRiskSensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Market risk sensitivity analysis [Line Items]</link:label>
    <link:label id="lab_bbva_MarketRiskSensitivityAnalysisLineItems_documentation_en-US" xlink:label="lab_bbva_MarketRiskSensitivityAnalysisLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Market risk sensitivity analysis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MarketRiskSensitivityAnalysisLineItems" xlink:href="bbva-20241231.xsd#bbva_MarketRiskSensitivityAnalysisLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MarketRiskSensitivityAnalysisLineItems" xlink:to="lab_bbva_MarketRiskSensitivityAnalysisLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ATOMBankPLCMember_de4d329a-8b50-4432-8e66-9357dc37b36b_terseLabel_en-US" xlink:label="lab_bbva_ATOMBankPLCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">ATOM Bank PLC</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ATOMBankPLCMember" xlink:href="bbva-20241231.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_RemunerationForNonExecutiveDirectorsTable_8a453adc-3ed3-4f60-bb21-3e30c063de05_terseLabel_en-US" xlink:label="lab_bbva_RemunerationForNonExecutiveDirectorsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Remuneration For Non Executive Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RemunerationForNonExecutiveDirectorsTable" xlink:href="bbva-20241231.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_bbva_MaturityOfFuturePaymentObligationsByLeases_28d9b4b2-13e6-4710-a0e0-326044623511_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfFuturePaymentObligationsByLeases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_IncomeByOperatingSegmentAxis_6153d3ba-e14e-44d3-bdb1-8aed81224be3_terseLabel_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Income By Operating Segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByOperatingSegmentAxis" xlink:href="bbva-20241231.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_bbva_LoansAndCreditsToRelatedParties_fb3c603c-dd74-454c-9eee-71ae552abfc7_terseLabel_en-US" xlink:label="lab_bbva_LoansAndCreditsToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis_bb4b4b3d-d406-4242-a451-37d34e541194_terseLabel_en-US" xlink:label="lab_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis_8e38c091-b9fc-4592-8fbc-4cd6a30a94de_terseLabel_en-US" xlink:label="lab_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ce0a37c3-f551-4eeb-9d03-15f4c76e4228_terseLabel_en-US" xlink:label="lab_bbva_NumberOfSharesInPledge" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Number of shares in pledge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NumberOfSharesInPledge" xlink:href="bbva-20241231.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_f156c3ba-8446-45a4-a49e-ca7b643b7a67_terseLabel_en-US" xlink:label="lab_bbva_AdministrativeExpensesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Administrative expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdministrativeExpensesTableTextBlock" xlink:href="bbva-20241231.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_bbva_DepreciationRatesForTangibleAssetsTableTextBlock_cf6b2ee9-2058-482e-a41d-fe27c3c8af08_terseLabel_en-US" xlink:label="lab_bbva_DepreciationRatesForTangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Depreciation rates for tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DepreciationRatesForTangibleAssetsTableTextBlock" xlink:href="bbva-20241231.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_ifrs-full_AccumulatedOtherComprehensiveIncome_5ea981d8-34cc-45ec-92eb-fee9e4c7c64c_totalLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_AccumulatedOtherComprehensiveIncome_4c59f106-15dd-4b15-853e-ab0007148283_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_AccumulatedOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_AccumulatedOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:to="lab_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PositiveScenarioMember_7bab13a0-1c53-4755-94e3-7381b4b02448_terseLabel_en-US" xlink:label="lab_bbva_PositiveScenarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Positive scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PositiveScenarioMember" xlink:href="bbva-20241231.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_DilutedEarningsLossPerShareFromDiscontinuedOperations_489854e4-86ea-4c13-9ec3-1e5f61a72486_terseLabel_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share from discontinued operations</link:label>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share from discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:to="lab_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources_b2ba68d5-ba8d-4f4a-ac2e-e1b62953d5ef_terseLabel_en-US" xlink:label="lab_bbva_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_FinancialLiabilitiesAtAmortisedCostAxis_62db49d8-1e50-442c-b699-537a405f55dc_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtAmortisedCostAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtAmortisedCostAxis" xlink:href="bbva-20241231.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_ForumChileGroupMember_e9a05457-f62a-4710-a627-98c4eceb8673_terseLabel_en-US" xlink:label="lab_bbva_ForumChileGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forum Chile Group</link:label>
    <link:label id="lab_bbva_ForumChileGroupMember_label_en-US" xlink:label="lab_bbva_ForumChileGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forum Chile Group [Member]</link:label>
    <link:label id="lab_bbva_ForumChileGroupMember_documentation_en-US" xlink:label="lab_bbva_ForumChileGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Forum Chile Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForumChileGroupMember" xlink:href="bbva-20241231.xsd#bbva_ForumChileGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ForumChileGroupMember" xlink:to="lab_bbva_ForumChileGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems_829209c8-ab53-4e1b-95d4-26a33800d1cd_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_OtherIntangibleAssetsMember_9c96f340-6e37-460f-9789-24e2a1f15c2b_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DepositsFromBanksBreakdownByGeographyAxis_84044f4f-2f91-4541-84a1-3cd96383620c_terseLabel_en-US" xlink:label="lab_bbva_DepositsFromBanksBreakdownByGeographyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_NotLaterThanThreeMonthsMember_ffa046c8-a24c-4b90-9b47-7c579d77e17b_terseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_CreditCardDebtMember_477fad72-1950-4df3-a78a-281b98e463ff_terseLabel_en-US" xlink:label="lab_bbva_CreditCardDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Credit card debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditCardDebtMember" xlink:href="bbva-20241231.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_ifrs-full_BrokerageFeeIncome_ef9f3022-f333-4ed9-94be-edd27c61819b_terseLabel_en-US" xlink:label="lab_ifrs-full_BrokerageFeeIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokerage fee income</link:label>
    <link:label id="lab_ifrs-full_BrokerageFeeIncome_label_en-US" xlink:label="lab_ifrs-full_BrokerageFeeIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokerage fee income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BrokerageFeeIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_BrokerageFeeIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BrokerageFeeIncome" xlink:to="lab_ifrs-full_BrokerageFeeIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CustodySecuritiesIncome_45922098-a60a-4be6-b83f-837bea6e45e5_terseLabel_en-US" xlink:label="lab_bbva_CustodySecuritiesIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Custody securities income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CustodySecuritiesIncome" xlink:href="bbva-20241231.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_655ec625-9792-4f88-99bb-3556b33c275f_terseLabel_en-US" xlink:label="lab_bbva_TransfersAndOtherPaymentOrders" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Transfers and other payment orders</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransfersAndOtherPaymentOrders" xlink:href="bbva-20241231.xsd#bbva_TransfersAndOtherPaymentOrders"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransfersAndOtherPaymentOrders" xlink:to="lab_bbva_TransfersAndOtherPaymentOrders" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets_c0983009-71ab-4758-82a9-d9925c711a45_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ifrs-full_ProfitLossFromOperatingActivities_88132928-98b0-45c1-ba27-fbe337e6c9c6_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_TangibleAssetsAbstract_1b53c6c7-9e77-4875-9cce-1be5de145f35_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Tangible Assets [Abstract]</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" xml:lang="en-US">Plan assets breakdown</link:label>
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    <link:label id="lab_bbva_MemorandumOtherCommitmentsGiven_documentation_en-US" xlink:label="lab_bbva_MemorandumOtherCommitmentsGiven" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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" xml:lang="en-US">Retirements sales and other decreases</link:label>
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    <link:label id="lab_bbva_CreditRiskAdjustmentsMember_251d92eb-82ad-4ba0-bd92-c78f5bd08993_terseLabel_en-US" xlink:label="lab_bbva_CreditRiskAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit risk adjustments [Member]</link:label>
    <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" 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" xml:lang="en-US">Credit risk adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditRiskAdjustmentsMember" xlink:href="bbva-20241231.xsd#bbva_CreditRiskAdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditRiskAdjustmentsMember" xlink:to="lab_bbva_CreditRiskAdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Axis_469f1771-ee81-4291-a726-e27f61006993_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Axis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 [Axis]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Axis_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Axis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 [Axis]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3Axis_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3Axis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial instruments level 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsLevel3Axis" xlink:href="bbva-20241231.xsd#bbva_FinancialInstrumentsLevel3Axis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsLevel3Axis" xlink:to="lab_bbva_FinancialInstrumentsLevel3Axis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CountryDomain_b00b5f9a-1678-4506-b48b-9b054ddf81e8_terseLabel_en-US" xlink:label="lab_bbva_CountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CountryDomain" xlink:href="bbva-20241231.xsd#bbva_CountryDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CountryDomain" xlink:to="lab_bbva_CountryDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CostMember_1d5ee8c7-891e-4270-86ad-d860c0759713_terseLabel_en-US" xlink:label="lab_bbva_CostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CostMember" xlink:href="bbva-20241231.xsd#bbva_CostMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CostMember" xlink:to="lab_bbva_CostMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_5bfc85c4-97a2-41e9-986c-de552de589c6_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Later than one year and not later than three years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:to="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RightToUseInvestmentPropertiesMember_be0a035d-0cbf-4f02-a897-c544c184ba7e_terseLabel_en-US" xlink:label="lab_bbva_RightToUseInvestmentPropertiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Right to use investment properties [Member]</link:label>
    <link:label id="lab_bbva_RightToUseInvestmentPropertiesMember_label_en-US" xlink:label="lab_bbva_RightToUseInvestmentPropertiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Right to use investment properties [Member]</link:label>
    <link:label id="lab_bbva_RightToUseInvestmentPropertiesMember_documentation_en-US" xlink:label="lab_bbva_RightToUseInvestmentPropertiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Right to use investment properties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RightToUseInvestmentPropertiesMember" xlink:href="bbva-20241231.xsd#bbva_RightToUseInvestmentPropertiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RightToUseInvestmentPropertiesMember" xlink:to="lab_bbva_RightToUseInvestmentPropertiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock_66d93b2a-6e24-4515-813b-e4eb77569d07_terseLabel_en-US" xlink:label="lab_bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Negative scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block]</link:label>
    <link:label id="lab_bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock_label_en-US" xlink:label="lab_bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Negative scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block]</link:label>
    <link:label id="lab_bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Negative scenario of GDP, unemployment rate and HPI for the main geographies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:to="lab_bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Stage3Member_0fc6beb3-a9ee-48b4-b856-d281cc312215_terseLabel_en-US" xlink:label="lab_bbva_Stage3Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stage 3 [Member]</link:label>
    <link:label id="lab_bbva_Stage3Member_label_en-US" xlink:label="lab_bbva_Stage3Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stage 3 [Member]</link:label>
    <link:label id="lab_bbva_Stage3Member_documentation_en-US" xlink:label="lab_bbva_Stage3Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stage 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Stage3Member" xlink:href="bbva-20241231.xsd#bbva_Stage3Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Stage3Member" xlink:to="lab_bbva_Stage3Member" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ExecutiveDirectorsRetirement_917c7832-e50e-46dc-ad47-5e63539cd899_terseLabel_en-US" xlink:label="lab_bbva_ExecutiveDirectorsRetirement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive directors retirement</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsRetirement_label_en-US" xlink:label="lab_bbva_ExecutiveDirectorsRetirement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive directors retirement</link:label>
    <link:label id="lab_bbva_ExecutiveDirectorsRetirement_documentation_en-US" xlink:label="lab_bbva_ExecutiveDirectorsRetirement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Executive directors retirement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ExecutiveDirectorsRetirement" xlink:href="bbva-20241231.xsd#bbva_ExecutiveDirectorsRetirement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ExecutiveDirectorsRetirement" xlink:to="lab_bbva_ExecutiveDirectorsRetirement" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTable_5c2074f3-52a2-44cc-a8f8-9ce98d57dda1_terseLabel_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 changes in the year [Table]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTable_label_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 changes in the year [Table]</link:label>
    <link:label id="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTable_documentation_en-US" xlink:label="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial instruments level 3 changes in the year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialInstrumentsLevel3ChangesInTheYearTable" xlink:href="bbva-20241231.xsd#bbva_FinancialInstrumentsLevel3ChangesInTheYearTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialInstrumentsLevel3ChangesInTheYearTable" xlink:to="lab_bbva_FinancialInstrumentsLevel3ChangesInTheYearTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherLiabilities_59090710-fec8-43c0-b89a-b27269b90b2f_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_bbva_MemorandumLoanCommitmentsGiven_baac3cb9-9109-47ec-b144-7a31b9512d50_terseLabel_en-US" xlink:label="lab_bbva_MemorandumLoanCommitmentsGiven" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Memorandum loan commitments given</link:label>
    <link:label id="lab_bbva_MemorandumLoanCommitmentsGiven_label_en-US" xlink:label="lab_bbva_MemorandumLoanCommitmentsGiven" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Memorandum loan commitments given</link:label>
    <link:label id="lab_bbva_MemorandumLoanCommitmentsGiven_documentation_en-US" xlink:label="lab_bbva_MemorandumLoanCommitmentsGiven" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Memorandum loan commitments given</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MemorandumLoanCommitmentsGiven" xlink:href="bbva-20241231.xsd#bbva_MemorandumLoanCommitmentsGiven"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MemorandumLoanCommitmentsGiven" xlink:to="lab_bbva_MemorandumLoanCommitmentsGiven" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DirectorsDomain_e6d83d33-14f6-4bf3-b3d6-979c389c3d02_terseLabel_en-US" xlink:label="lab_bbva_DirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Directors [Domain]</link:label>
    <link:label id="lab_bbva_DirectorsDomain_label_en-US" xlink:label="lab_bbva_DirectorsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Directors [Domain]</link:label>
    <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" xml:lang="en-US">Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DirectorsDomain" xlink:href="bbva-20241231.xsd#bbva_DirectorsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DirectorsDomain" xlink:to="lab_bbva_DirectorsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_70214fa4-0691-46e7-b34f-6da4bbcb0f54_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_InteresetExpenseAndSimilarChargesForPensions_088b277e-b51e-46b1-bbaa-0f4d9ad8f84a_terseLabel_en-US" xlink:label="lab_bbva_InteresetExpenseAndSimilarChargesForPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intereset expense and similar charges for pensions</link:label>
    <link:label id="lab_bbva_InteresetExpenseAndSimilarChargesForPensions_label_en-US" xlink:label="lab_bbva_InteresetExpenseAndSimilarChargesForPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intereset expense and similar charges for pensions</link:label>
    <link:label id="lab_bbva_InteresetExpenseAndSimilarChargesForPensions_documentation_en-US" xlink:label="lab_bbva_InteresetExpenseAndSimilarChargesForPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Intereset expense and similar charges for pensions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InteresetExpenseAndSimilarChargesForPensions" xlink:href="bbva-20241231.xsd#bbva_InteresetExpenseAndSimilarChargesForPensions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InteresetExpenseAndSimilarChargesForPensions" xlink:to="lab_bbva_InteresetExpenseAndSimilarChargesForPensions" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TheoreticalSharesTableTextBlock_1845517e-1862-4aa2-96d4-cd74c17c2e28_terseLabel_en-US" xlink:label="lab_bbva_TheoreticalSharesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Theoretical shares [Table Text Block]</link:label>
    <link:label id="lab_bbva_TheoreticalSharesTableTextBlock_label_en-US" xlink:label="lab_bbva_TheoreticalSharesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Theoretical shares [Table Text Block]</link:label>
    <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" xml:lang="en-US">Theoretical shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TheoreticalSharesTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_TheoreticalSharesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TheoreticalSharesTableTextBlock" xlink:to="lab_bbva_TheoreticalSharesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CollectionAccountsMember_56f3b4d3-7e8b-4409-be39-7334bfb32be2_terseLabel_en-US" xlink:label="lab_bbva_CollectionAccountsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collection accounts [Member]</link:label>
    <link:label id="lab_bbva_CollectionAccountsMember_label_en-US" xlink:label="lab_bbva_CollectionAccountsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collection accounts [Member]</link:label>
    <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" xml:lang="en-US">Collection accounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CollectionAccountsMember" xlink:href="bbva-20241231.xsd#bbva_CollectionAccountsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CollectionAccountsMember" xlink:to="lab_bbva_CollectionAccountsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CapitalBaseAndCapitalManagementAbstract_6256354a-8c2f-42aa-bc86-520cbebdd5c3_terseLabel_en-US" xlink:label="lab_bbva_CapitalBaseAndCapitalManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital Base And Capital Management [Abstract]</link:label>
    <link:label id="lab_bbva_CapitalBaseAndCapitalManagementAbstract_label_en-US" xlink:label="lab_bbva_CapitalBaseAndCapitalManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Base And Capital Management [Abstract]</link:label>
    <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" xml:lang="en-US">Capital Base And Capital Management [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CapitalBaseAndCapitalManagementAbstract" xlink:href="bbva-20241231.xsd#bbva_CapitalBaseAndCapitalManagementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CapitalBaseAndCapitalManagementAbstract" xlink:to="lab_bbva_CapitalBaseAndCapitalManagementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_BusinessContactMember_b25f7bd1-cfb7-4af8-aa19-d88495a1786d_terseLabel_en-US" xlink:label="lab_dei_BusinessContactMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ReinsurancesMember_1a6a38c6-f98b-4397-982f-650b501b772b_terseLabel_en-US" xlink:label="lab_bbva_ReinsurancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reinsurances [Member]</link:label>
    <link:label id="lab_bbva_ReinsurancesMember_label_en-US" xlink:label="lab_bbva_ReinsurancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reinsurances [Member]</link:label>
    <link:label id="lab_bbva_ReinsurancesMember_documentation_en-US" xlink:label="lab_bbva_ReinsurancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reinsurances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ReinsurancesMember" xlink:href="bbva-20241231.xsd#bbva_ReinsurancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ReinsurancesMember" xlink:to="lab_bbva_ReinsurancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ValueOfOtherGuaranteesMember_e88d3ccf-0061-4949-a85a-95031b72f230_terseLabel_en-US" xlink:label="lab_bbva_ValueOfOtherGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Value of other guarantees [Member]</link:label>
    <link:label id="lab_bbva_ValueOfOtherGuaranteesMember_label_en-US" xlink:label="lab_bbva_ValueOfOtherGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Value of other guarantees [Member]</link:label>
    <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" xml:lang="en-US">Value of other guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValueOfOtherGuaranteesMember" xlink:href="bbva-20241231.xsd#bbva_ValueOfOtherGuaranteesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValueOfOtherGuaranteesMember" xlink:to="lab_bbva_ValueOfOtherGuaranteesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_GuaranteesReceivedTableTextBlock_4fb14795-1824-46c5-9989-1313d21916d7_terseLabel_en-US" xlink:label="lab_bbva_GuaranteesReceivedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guarantees Received [Table Text Block]</link:label>
    <link:label id="lab_bbva_GuaranteesReceivedTableTextBlock_label_en-US" xlink:label="lab_bbva_GuaranteesReceivedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantees Received [Table Text Block]</link:label>
    <link:label id="lab_bbva_GuaranteesReceivedTableTextBlock_documentation_en-US" xlink:label="lab_bbva_GuaranteesReceivedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Guarantees Received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GuaranteesReceivedTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_GuaranteesReceivedTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GuaranteesReceivedTableTextBlock" xlink:to="lab_bbva_GuaranteesReceivedTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisionsLineItems_599a2898-7eef-4277-87ca-1dacfc0bbedd_terseLabel_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions or reversal of provisions [Line Items]</link:label>
    <link:label id="lab_bbva_ProvisionsOrReversalOfProvisionsLineItems_label_en-US" xlink:label="lab_bbva_ProvisionsOrReversalOfProvisionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions or reversal of provisions [Line Items]</link:label>
    <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" xml:lang="en-US">Provisions or reversal of provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ProvisionsOrReversalOfProvisionsLineItems" xlink:href="bbva-20241231.xsd#bbva_ProvisionsOrReversalOfProvisionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ProvisionsOrReversalOfProvisionsLineItems" xlink:to="lab_bbva_ProvisionsOrReversalOfProvisionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems_2cf720cc-0e53-4d5a-aa51-ca84eac1492d_terseLabel_en-US" xlink:label="lab_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flows of liabilities under insurance and reinsurance contracts [Line Items]</link:label>
    <link:label id="lab_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems_label_en-US" xlink:label="lab_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows of liabilities under insurance and reinsurance contracts [Line Items]</link:label>
    <link:label id="lab_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems_documentation_en-US" xlink:label="lab_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash flows of liabilities under insurance and reinsurance contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:href="bbva-20241231.xsd#bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:to="lab_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncomeByOperatingSegmentDomain_8c09e61e-2d2e-4254-976d-32ecbb8e4f2c_terseLabel_en-US" xlink:label="lab_bbva_IncomeByOperatingSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Income by operating segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncomeByOperatingSegmentDomain" xlink:href="bbva-20241231.xsd#bbva_IncomeByOperatingSegmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeByOperatingSegmentDomain" xlink:to="lab_bbva_IncomeByOperatingSegmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsDomain_70e58fce-34b7-475d-9b9d-39091cb90875_terseLabel_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Encumbered and unencumbered assets [Domain]</link:label>
    <link:label id="lab_bbva_EncumberedAndUnencumberedAssetsDomain_label_en-US" xlink:label="lab_bbva_EncumberedAndUnencumberedAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Encumbered and unencumbered assets [Domain]</link:label>
    <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" xml:lang="en-US">Encumbered and unencumbered assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EncumberedAndUnencumberedAssetsDomain" xlink:href="bbva-20241231.xsd#bbva_EncumberedAndUnencumberedAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EncumberedAndUnencumberedAssetsDomain" xlink:to="lab_bbva_EncumberedAndUnencumberedAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock_42c1ac9c-dd7d-4f77-b42b-6c80ffa6eb90_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policy for functional currency income statement [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting policy for functional currency income statement [Policy Text Block]</link:label>
    <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" 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-20241231.xsd#bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_COP_72c74a07-134e-42c2-8d2c-1b40e99465bf_terseLabel_en-US" xlink:label="lab_currency_COP" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/currency-2024.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_RangesTreasuryStockDomain_2d96d188-692b-4f59-9e64-a5e0b91da93d_terseLabel_en-US" xlink:label="lab_bbva_RangesTreasuryStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Ranges treasury stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RangesTreasuryStockDomain" xlink:href="bbva-20241231.xsd#bbva_RangesTreasuryStockDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RangesTreasuryStockDomain" xlink:to="lab_bbva_RangesTreasuryStockDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions_e6dbf010-2cfa-409a-97c0-e9256f313745_terseLabel_en-US" xlink:label="lab_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pensions And Other Post Employment Defined Benefit Obligations Provisions</link:label>
    <link:label id="lab_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions_label_en-US" xlink:label="lab_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pensions And Other Post Employment Defined Benefit Obligations Provisions</link:label>
    <link:label id="lab_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions_documentation_en-US" xlink:label="lab_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Pensions And Other Post Employment Defined Benefit Obligations Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions" xlink:href="bbva-20241231.xsd#bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions"/>
    <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_FinancialAssetsAtAmortisedCostLineItems_3db7dc85-089e-41f9-a10a-dc001518d9d9_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostLineItems_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost [Line Items]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtAmortisedCostLineItems_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostLineItems" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAtAmortisedCostLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtAmortisedCostLineItems" xlink:to="lab_bbva_FinancialAssetsAtAmortisedCostLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock_732e0d91-a0ea-41ab-af76-4cdb9f5437ef_terseLabel_en-US" xlink:label="lab_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residual maturities by contractual periods [Table Text Block]</link:label>
    <link:label id="lab_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock_label_en-US" xlink:label="lab_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residual maturities by contractual periods [Table Text Block]</link:label>
    <link:label id="lab_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Residual maturities by contractual periods</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock" xlink:to="lab_bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_Level2ATradableAssetsMember_90b2602b-56a8-45ab-bb44-9a71f04bdf0c_terseLabel_en-US" xlink:label="lab_bbva_Level2ATradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 2A tradable assets [Member]</link:label>
    <link:label id="lab_bbva_Level2ATradableAssetsMember_label_en-US" xlink:label="lab_bbva_Level2ATradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Level 2A tradable assets [Member]</link:label>
    <link:label id="lab_bbva_Level2ATradableAssetsMember_documentation_en-US" xlink:label="lab_bbva_Level2ATradableAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Level 2A tradable assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Level2ATradableAssetsMember" xlink:href="bbva-20241231.xsd#bbva_Level2ATradableAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_Level2ATradableAssetsMember" xlink:to="lab_bbva_Level2ATradableAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging_cc3cee3c-efb2-4bbb-8956-6d1750163d2a_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_dei_EntityIncorporationStateCountryCode_58d2cad4-088f-45e0-a948-0b6f1f7acc5d_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ifrs-full_OtherFinancialAssets_e721ef71-c119-4227-883a-85293c3623f1_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl_0f5147c3-921f-410e-b914-40779b3994b9_terseLabel_en-US" xlink:label="lab_bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_98330459-1ea2-495b-b3fc-89367a2e9c1e_terseLabel_en-US" xlink:label="lab_bbva_IncomeByTypeOfInsuranceProducts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_IncomeByTypeOfInsuranceProducts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncomeByTypeOfInsuranceProducts" xlink:to="lab_bbva_IncomeByTypeOfInsuranceProducts" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments_9ea669bc-0094-4eaa-8e5b-45dba4f663d4_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_PercentageTreasuryStock_529a945f-964d-4809-ab52-1d8a9a440c24_terseLabel_en-US" xlink:label="lab_bbva_PercentageTreasuryStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Percentage treasury stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageTreasuryStock" xlink:href="bbva-20241231.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_44b870dc-9a88-4334-b819-b7721ed3c7eb_terseLabel_en-US" xlink:label="lab_bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_HedgingDerivativesBreakdownByDetailAxis_cc4b356b-d53f-4486-b51f-f925ef739cec_terseLabel_en-US" xlink:label="lab_bbva_HedgingDerivativesBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Hedging derivatives breakdown by detail</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HedgingDerivativesBreakdownByDetailAxis" xlink:href="bbva-20241231.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_55d75ce5-ae12-4007-a1bc-f0b775f8ac8c_terseLabel_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_e133b0f3-e869-4bbe-a0b2-7dd8ad8e0a3c_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsByCountryDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Equity instruments by country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsByCountryDomain" xlink:href="bbva-20241231.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_169dcc53-4bc6-465b-9c59-65ae2dd6a6cc_terseLabel_en-US" xlink:label="lab_bbva_Correlations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Correlations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Correlations" xlink:href="bbva-20241231.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_ifrs-full_NoncontrollingInterestsMember_645581aa-9dc5-4222-b84b-71f5fc158a53_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterestsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Non-controlling interests [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncontrollingInterestsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_NoncontrollingInterestsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncontrollingInterestsMember" xlink:to="lab_ifrs-full_NoncontrollingInterestsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge_2db91c35-9482-4df2-8230-e23d9a965c92_terseLabel_en-US" xlink:label="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of share capital of shares of BBVA accepted in pledge</link:label>
    <link:label id="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge_label_en-US" xlink:label="lab_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of share capital of shares of BBVA accepted in pledge</link:label>
    <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" xml:lang="en-US">Percentage of share capital of shares of BBVA accepted in pledge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge" xlink:href="bbva-20241231.xsd#bbva_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge"/>
    <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_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares_3f62ecb6-1cc6-411c-9c35-85090c725dbd_terseLabel_en-US" xlink:label="lab_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted reserve for parent company shares and loans for those shares</link:label>
    <link:label id="lab_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares_label_en-US" xlink:label="lab_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted reserve for parent company shares and loans for those shares</link:label>
    <link:label id="lab_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares_documentation_en-US" xlink:label="lab_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Restricted reserve for parent company shares and loans for those shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares" xlink:href="bbva-20241231.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"/>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain_2863a835-2caa-4994-bf00-a950ec784769_terseLabel_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of financial instruments collateral received [Domain]</link:label>
    <link:label id="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain_label_en-US" xlink:label="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of financial instruments collateral received [Domain]</link:label>
    <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" xml:lang="en-US">Classes of financial instruments collateral received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain" xlink:href="bbva-20241231.xsd#bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain" xlink:to="lab_bbva_ClassesOfFinancialInstrumentsCollateralReceivedDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock_6df50f7e-dd2d-44e9-906b-53bb9d3c3163_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income equity instruments [Table Text Block]</link:label>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock_label_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income equity instruments [Table Text Block]</link:label>
    <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" 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-20241231.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_a8ba5720-0b0e-4e9e-91d5-92e317476740_terseLabel_en-US" xlink:label="lab_bbva_DeferredAVRSeniorManagementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred AVR senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAVRSeniorManagementAxis" xlink:href="bbva-20241231.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_NonCashChangesFromFinancingActivitiesAxis_0ac1b1cb-776b-4934-8f2c-3d21764ba2af_terseLabel_en-US" xlink:label="lab_bbva_NonCashChangesFromFinancingActivitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash changes from financing activities [Axis]</link:label>
    <link:label id="lab_bbva_NonCashChangesFromFinancingActivitiesAxis_label_en-US" xlink:label="lab_bbva_NonCashChangesFromFinancingActivitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-cash changes from financing activities [Axis]</link:label>
    <link:label id="lab_bbva_NonCashChangesFromFinancingActivitiesAxis_documentation_en-US" xlink:label="lab_bbva_NonCashChangesFromFinancingActivitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-cash changes from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_NonCashChangesFromFinancingActivitiesAxis" xlink:href="bbva-20241231.xsd#bbva_NonCashChangesFromFinancingActivitiesAxis"/>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock"/>
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    <link:label id="lab_bbva_TangibleAssets_5c80a104-426a-4342-92f4-b95ddac84572_totalLabel_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_bbva_TangibleAssets_f50f6d82-7379-4447-ae6f-119759ae3479_periodStartLabel_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_bbva_TangibleAssets_e80b36bd-8003-47f1-8ce3-ae55f0726039_periodEndLabel_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_bbva_TangibleAssets_45acc97d-d637-4251-ad06-e6d9fbd66e8f_terseLabel_en-US" xlink:label="lab_bbva_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total tangible assets by Spanish and foreign subsidiaries</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" 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" xml:lang="en-US">Tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TangibleAssets" xlink:href="bbva-20241231.xsd#bbva_TangibleAssets"/>
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    <link:label id="lab_bbva_InterestExpenseOnChargeableCostToPensionFunds_7e9dfd62-76b0-4829-9496-7ce243b2fec1_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseOnChargeableCostToPensionFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Expense On Chargeable Cost To Pension Funds</link:label>
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    <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" 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-20241231.xsd#bbva_InterestExpenseOnChargeableCostToPensionFunds"/>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss"/>
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    <link:label id="lab_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources_3fd9741c-f003-46d9-95f7-e4dcdf9c6f07_terseLabel_en-US" xlink:label="lab_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Goodwill and other intangible assets eligible capital resources</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources" xlink:href="bbva-20241231.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_SubordinatedLiabilitiesAtAmortisedCost_703aedaa-58bb-444d-83af-de80ec657d81_terseLabel_en-US" xlink:label="lab_ifrs-full_SubordinatedLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Memorandum item subordinated liabilities at amortised cost</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SubordinatedLiabilitiesAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_SubordinatedLiabilitiesAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SubordinatedLiabilitiesAtAmortisedCost" xlink:to="lab_ifrs-full_SubordinatedLiabilitiesAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock_c72046d8-9e71-424f-90b0-fa7da0d62301_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income [Table Text Block]</link:label>
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    <link:label id="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:to="lab_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesDomain_716afe76-279e-4013-b811-739719adf7e2_terseLabel_en-US" xlink:label="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of risk product or market of derivatives [Domain]</link:label>
    <link:label id="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesDomain_label_en-US" xlink:label="lab_bbva_TypeOfRiskProductOrMarketOfDerivativesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Type of risk product or market of derivatives [Domain]</link:label>
    <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" xml:lang="en-US">Type of risk product or market of derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfRiskProductOrMarketOfDerivativesDomain" xlink:href="bbva-20241231.xsd#bbva_TypeOfRiskProductOrMarketOfDerivativesDomain"/>
    <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_a4ff956a-3f0b-4a68-b8ef-1ab95eb91745_terseLabel_en-US" xlink:label="lab_bbva_BreakdownOfDebtSecuritiesByCreditRatingDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Breakdown of debt securities by credit rating [Domain]</link:label>
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    <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" 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-20241231.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_3b9165b3-657d-43a3-8613-c6ede7adab94_terseLabel_en-US" xlink:label="lab_bbva_InterestIncomeBreakdownByOriginTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest income breakdown by origin</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestIncomeBreakdownByOriginTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_InterestIncomeBreakdownByOriginTableTextBlock"/>
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    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_c3d437e9-cb4c-454e-93ee-ce08dc9385f0_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_a7742a38-6dec-404e-8901-14f5a25e536e_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
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    <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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome"/>
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    <link:label id="lab_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates_9ef19014-ad1d-4972-9732-fd93c5605942_terseLabel_en-US" xlink:label="lab_bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserves or accumulated losses of investments in subsidaries joint ventures and associates</link:label>
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    <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_currency_TRY_7eb68846-5b8f-4241-8266-00a394c8a5a0_terseLabel_en-US" xlink:label="lab_currency_TRY" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Turkey, New Lira</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_currency_TRY" xlink:href="https://xbrl.sec.gov/currency/2024/currency-2024.xsd#currency_TRY"/>
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    <link:label id="lab_bbva_PersonnelExpensesBreakdownTableTextBlock_e1025a46-2712-4a1d-8ec7-db942fcf0501_terseLabel_en-US" xlink:label="lab_bbva_PersonnelExpensesBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Personnel Expenses Breakdown [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_PersonnelExpensesBreakdownTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_PersonnelExpensesBreakdownTableTextBlock"/>
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    <link:label id="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis_25395b14-3793-4a9f-9070-6e8d63d453a5_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value breakdown by detail [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" xlink:href="bbva-20241231.xsd#bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" xlink:to="lab_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AmountInMillionsOfEurosAxis_16c3fe9c-d645-4662-9ef3-8da27da862c8_terseLabel_en-US" xlink:label="lab_bbva_AmountInMillionsOfEurosAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount in millions [Axis]</link:label>
    <link:label id="lab_bbva_AmountInMillionsOfEurosAxis_label_en-US" xlink:label="lab_bbva_AmountInMillionsOfEurosAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amount in millions of euros [Axis]</link:label>
    <link:label id="lab_bbva_AmountInMillionsOfEurosAxis_documentation_en-US" xlink:label="lab_bbva_AmountInMillionsOfEurosAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount in millions of euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountInMillionsOfEurosAxis" xlink:href="bbva-20241231.xsd#bbva_AmountInMillionsOfEurosAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AmountInMillionsOfEurosAxis" xlink:to="lab_bbva_AmountInMillionsOfEurosAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OTCOptionsMember_0627034a-b931-409f-866b-570a8e8bfbc6_terseLabel_en-US" xlink:label="lab_bbva_OTCOptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">OTC Options</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OTCOptionsMember" xlink:href="bbva-20241231.xsd#bbva_OTCOptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OTCOptionsMember" xlink:to="lab_bbva_OTCOptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember_c43ed981-6ca7-4b18-b313-c7e9f7da390a_terseLabel_en-US" xlink:label="lab_bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of which guarantees normal risks under special monitoring [Member]</link:label>
    <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" 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" 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-20241231.xsd#bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember" xlink:to="lab_bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MinorityInterestsNonControllingInterestsAbstract_e8cccc93-0b67-4fe6-9652-1a6fc34b629f_terseLabel_en-US" xlink:label="lab_bbva_MinorityInterestsNonControllingInterestsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non Controlling Interest [Abstract]</link:label>
    <link:label id="lab_bbva_MinorityInterestsNonControllingInterestsAbstract_label_en-US" xlink:label="lab_bbva_MinorityInterestsNonControllingInterestsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minority interests (non-controlling interests) [Abstract]</link:label>
    <link:label id="lab_bbva_MinorityInterestsNonControllingInterestsAbstract_documentation_en-US" xlink:label="lab_bbva_MinorityInterestsNonControllingInterestsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non Controlling Interest [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MinorityInterestsNonControllingInterestsAbstract" xlink:href="bbva-20241231.xsd#bbva_MinorityInterestsNonControllingInterestsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MinorityInterestsNonControllingInterestsAbstract" xlink:to="lab_bbva_MinorityInterestsNonControllingInterestsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MaturityAxis_5e2a7c41-0e5f-4472-810f-d37e37756f7a_terseLabel_en-US" xlink:label="lab_ifrs-full_MaturityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_ValuationComponentsAxis_0123475d-fc2c-400e-b812-e465131f9cd4_terseLabel_en-US" xlink:label="lab_bbva_ValuationComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation components [Axis]</link:label>
    <link:label id="lab_bbva_ValuationComponentsAxis_label_en-US" xlink:label="lab_bbva_ValuationComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation components [Axis]</link:label>
    <link:label id="lab_bbva_ValuationComponentsAxis_documentation_en-US" xlink:label="lab_bbva_ValuationComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Valuation components</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValuationComponentsAxis" xlink:href="bbva-20241231.xsd#bbva_ValuationComponentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValuationComponentsAxis" xlink:to="lab_bbva_ValuationComponentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock_941e93db-64cf-4e26-8a55-104ecf14fc8a_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_561ebe35-fccb-46cc-a5fe-1fdcc767b812_terseLabel_en-US" xlink:label="lab_bbva_AmountOfCapitalCC1LineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Amount of capital CC1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AmountOfCapitalCC1LineItems" xlink:href="bbva-20241231.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_bc92784a-c408-417a-a983-6ea466214e5d_terseLabel_en-US" xlink:label="lab_bbva_EquityRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Equity risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityRiskMember" xlink:href="bbva-20241231.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_ifrs-full_UnobservableInputsDomain_ffb1e9eb-376a-43ce-9d37-80cfbee8d271_terseLabel_en-US" xlink:label="lab_ifrs-full_UnobservableInputsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Information about unobservable inputs [Axis]</link:label>
    <link:label id="lab_ifrs-full_UnobservableInputsDomain_label_en-US" xlink:label="lab_ifrs-full_UnobservableInputsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unobservable inputs [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_UnobservableInputsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_UnobservableInputsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_UnobservableInputsDomain" xlink:to="lab_ifrs-full_UnobservableInputsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TotalDepositsAtAmortisedCost_a9841450-1442-4dd8-ba1d-d825d13b57e1_terseLabel_en-US" xlink:label="lab_bbva_TotalDepositsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Total deposits at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TotalDepositsAtAmortisedCost" xlink:href="bbva-20241231.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_CountryAxis_0f9d9466-68ae-4a85-8f8e-0553920c034e_terseLabel_en-US" xlink:label="lab_bbva_CountryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CountryAxis" xlink:href="bbva-20241231.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_4dfa8f8e-fa05-4466-85e8-caca4ac5cb3e_terseLabel_en-US" xlink:label="lab_bbva_LiquidityAvailableByInstrumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Liquidity available by instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiquidityAvailableByInstrumentTableTextBlock" xlink:href="bbva-20241231.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_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis_bba519dd-bb1b-4b2a-af58-a96c2c83ac3d_terseLabel_en-US" xlink:label="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rates, foreign exchanges and other covered by fair value hedges [Axis]</link:label>
    <link:label id="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis_label_en-US" xlink:label="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest rates, foreign exchanges and other covered by fair value hedges [Axis]</link:label>
    <link:label id="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis_documentation_en-US" xlink:label="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest rates, foreign exchanges and other covered by fair value hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" xlink:href="bbva-20241231.xsd#bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" xlink:to="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ForeignSecurity_bd1801f7-1747-48ce-871d-ad962192aab5_terseLabel_en-US" xlink:label="lab_bbva_ForeignSecurity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Foreign security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ForeignSecurity" xlink:href="bbva-20241231.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_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges_01596609-d74d-46f9-ab09-a781d2cbae80_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, cash flow hedges</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, cash flow hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_79ab1402-f3e8-4a3e-b0fb-9ec9e311a9f2_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_OfWhichLossAllowancesOfDebtSecuritiesMember_c3838c6c-1b6f-4a14-b159-c991ac5913a2_terseLabel_en-US" xlink:label="lab_bbva_OfWhichLossAllowancesOfDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_18725d5f-2c2c-44d5-8d0e-2efd69620bc9_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_cd3420ab-8f6a-4628-baa0-d63ff9464f3e_terseLabel_en-US" xlink:label="lab_bbva_OtherOperatingIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other operating income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherOperatingIncomeTableTextBlock" xlink:href="bbva-20241231.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_915e3eb9-502a-4184-893b-1a83d9796692_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_dei_EntityRegistrantName_76e6654b-91ad-4713-ac25-e3ec61c28f99_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_OtherAssociatesMember_33ddec7c-79e0-4add-8a49-316ae025011b_terseLabel_en-US" xlink:label="lab_bbva_OtherAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherAssociatesMember" xlink:href="bbva-20241231.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_FinancialLiabilitiesHeldForTradingMember_7fb89159-bd5d-4b03-8254-3cdd9c456c98_terseLabel_en-US" xlink:label="lab_bbva_FinancialLiabilitiesHeldForTradingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialLiabilitiesHeldForTradingMember" xlink:href="bbva-20241231.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_8f7fe815-8ace-4997-b290-8825518bed4d_terseLabel_en-US" xlink:label="lab_bbva_HiperinflationAdjustmentsOtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Hiperinflation Adjustments other operating expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HiperinflationAdjustmentsOtherOperatingExpense" xlink:href="bbva-20241231.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_ed1a2455-e6c3-47cb-8541-eaf594e53dfa_terseLabel_en-US" xlink:label="lab_bbva_BillsReceivables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Bills receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BillsReceivables" xlink:href="bbva-20241231.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_71345e8e-2196-43ee-bfdb-087f6d24e07a_terseLabel_en-US" xlink:label="lab_bbva_ChangesInGainsLossesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Changes in gains losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ChangesInGainsLossesTable" xlink:href="bbva-20241231.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_5f35e300-56cb-48c6-b8ed-112e19592d04_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_e8baced1-4f66-41ff-88f3-dad3ddf7963e_terseLabel_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Transactions on behalf of third parties breakdown by concepts [Table Text Block]</link:label>
    <link:label id="lab_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transactions on behalf of third parties breakdown by concepts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" xlink:to="lab_bbva_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_SegmentGeographicalDomain_ca1f08b1-7a21-4176-8261-ddf7fc9eb965_terseLabel_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:label id="lab_srt_SegmentGeographicalDomain_label_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_SegmentGeographicalDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_SegmentGeographicalDomain" xlink:to="lab_srt_SegmentGeographicalDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis_eb320a1a-d0f9-4d49-934a-7dc0654fe23a_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis hypothesis result [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis_label_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis hypothesis result [Axis]</link:label>
    <link:label id="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis_documentation_en-US" xlink:label="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets Level 3 Sensitivity analysis hypothesis result</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" xlink:href="bbva-20241231.xsd#bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" xlink:to="lab_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MaturityDomain_82f2870a-5a08-4f5d-a842-3ffff02dc84d_terseLabel_en-US" xlink:label="lab_ifrs-full_MaturityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturity [Domain]</link:label>
    <link:label id="lab_ifrs-full_MaturityDomain_label_en-US" xlink:label="lab_ifrs-full_MaturityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MaturityDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_MaturityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MaturityDomain" xlink:to="lab_ifrs-full_MaturityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_LiabilitiesFromFinancingActivitiesTable_b30ccf54-ab09-45c5-a8fa-3c93566d1a26_terseLabel_en-US" xlink:label="lab_bbva_LiabilitiesFromFinancingActivitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities from financing activities [Table]</link:label>
    <link:label id="lab_bbva_LiabilitiesFromFinancingActivitiesTable_label_en-US" xlink:label="lab_bbva_LiabilitiesFromFinancingActivitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities from financing activities [Table]</link:label>
    <link:label id="lab_bbva_LiabilitiesFromFinancingActivitiesTable_documentation_en-US" xlink:label="lab_bbva_LiabilitiesFromFinancingActivitiesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities from financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LiabilitiesFromFinancingActivitiesTable" xlink:href="bbva-20241231.xsd#bbva_LiabilitiesFromFinancingActivitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_LiabilitiesFromFinancingActivitiesTable" xlink:to="lab_bbva_LiabilitiesFromFinancingActivitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory_2d8d5dee-1213-4740-b808-ce57faea6d13_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of operating segments [text block]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of operating segments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_DisclosureOfOperatingSegmentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_2ec34d0e-e972-4bfe-9430-5b5e71215c47_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_AnnualVariableRemunerationDeferredPortionTable_3d6eff04-36f3-47ac-b8ae-43f816477c4d_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDeferredPortionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual Variable Remuneration Deferred portion [Table]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationDeferredPortionTable_label_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDeferredPortionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annual Variable Remuneration Deferred portion [Table]</link:label>
    <link:label id="lab_bbva_AnnualVariableRemunerationDeferredPortionTable_documentation_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationDeferredPortionTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual Variable Remuneration Deferred portion</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationDeferredPortionTable" xlink:href="bbva-20241231.xsd#bbva_AnnualVariableRemunerationDeferredPortionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AnnualVariableRemunerationDeferredPortionTable" xlink:to="lab_bbva_AnnualVariableRemunerationDeferredPortionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditRiskHedgeCashFlowMember_bb3fa16f-fdce-4fc5-9b1e-2a6d504495cd_terseLabel_en-US" xlink:label="lab_bbva_CreditRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit risk hedge cash flow [Member]</link:label>
    <link:label id="lab_bbva_CreditRiskHedgeCashFlowMember_label_en-US" xlink:label="lab_bbva_CreditRiskHedgeCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit risk hedge cash flow [Member]</link:label>
    <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" xml:lang="en-US">Credit risk hedge cash flow</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CreditRiskHedgeCashFlowMember" xlink:href="bbva-20241231.xsd#bbva_CreditRiskHedgeCashFlowMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CreditRiskHedgeCashFlowMember" xlink:to="lab_bbva_CreditRiskHedgeCashFlowMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock_1c888ab1-9f69-431b-859d-df53dcfa60ed_terseLabel_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income Classified By Concepts [Table Text Block]</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock_label_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income Classified By Concepts [Table Text Block]</link:label>
    <link:label id="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income Classified By Concepts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" xlink:to="lab_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ColombiaBBVAMember_57019642-ddd3-46cb-9dea-c7c89bf2c142_terseLabel_en-US" xlink:label="lab_bbva_ColombiaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Colombia BBVA [Member]</link:label>
    <link:label id="lab_bbva_ColombiaBBVAMember_label_en-US" xlink:label="lab_bbva_ColombiaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Colombia BBVA [Member]</link:label>
    <link:label id="lab_bbva_ColombiaBBVAMember_documentation_en-US" xlink:label="lab_bbva_ColombiaBBVAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Colombia BBVA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ColombiaBBVAMember" xlink:href="bbva-20241231.xsd#bbva_ColombiaBBVAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ColombiaBBVAMember" xlink:to="lab_bbva_ColombiaBBVAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_MinorityInterestNonControllingInterestTable_4fbd984d-2891-4f08-b470-1ddc5b64163c_terseLabel_en-US" xlink:label="lab_bbva_MinorityInterestNonControllingInterestTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minority interest [Table]</link:label>
    <link:label id="lab_bbva_MinorityInterestNonControllingInterestTable_label_en-US" xlink:label="lab_bbva_MinorityInterestNonControllingInterestTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minority interest (non-controlling interest) [Table]</link:label>
    <link:label id="lab_bbva_MinorityInterestNonControllingInterestTable_documentation_en-US" xlink:label="lab_bbva_MinorityInterestNonControllingInterestTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Minority interest (non-controlling interest)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MinorityInterestNonControllingInterestTable" xlink:href="bbva-20241231.xsd#bbva_MinorityInterestNonControllingInterestTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MinorityInterestNonControllingInterestTable" xlink:to="lab_bbva_MinorityInterestNonControllingInterestTable" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet_e3987971-fafe-4264-8598-a2b8ab90648e_terseLabel_en-US" xlink:label="lab_bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase impaired financial assets written off from the balance sheet</link:label>
    <link:label id="lab_bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet_label_en-US" xlink:label="lab_bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase impaired financial assets written off from the balance sheet</link:label>
    <link:label id="lab_bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet_documentation_en-US" xlink:label="lab_bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase impaired financial assets written off from the balance sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:href="bbva-20241231.xsd#bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:to="lab_bbva_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EligibleCapitalResourcesTableTextBlock_effb6015-f74e-467d-b932-c86cee0f5695_terseLabel_en-US" xlink:label="lab_bbva_EligibleCapitalResourcesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Eligible capital resources [Table Text Block]</link:label>
    <link:label id="lab_bbva_EligibleCapitalResourcesTableTextBlock_label_en-US" xlink:label="lab_bbva_EligibleCapitalResourcesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Eligible capital resources [Table Text Block]</link:label>
    <link:label id="lab_bbva_EligibleCapitalResourcesTableTextBlock_documentation_en-US" xlink:label="lab_bbva_EligibleCapitalResourcesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EligibleCapitalResourcesTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_EligibleCapitalResourcesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EligibleCapitalResourcesTableTextBlock" xlink:to="lab_bbva_EligibleCapitalResourcesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesLineItems_4e8195de-e3b9-4d86-a401-056376b8c782_terseLabel_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax assets and liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesLineItems_label_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax assets and liabilities [Line Items]</link:label>
    <link:label id="lab_bbva_TaxAssetsAndLiabilitiesLineItems_documentation_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxAssetsAndLiabilitiesLineItems" xlink:href="bbva-20241231.xsd#bbva_TaxAssetsAndLiabilitiesLineItems"/>
    <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_e2172c0a-3106-4e97-a9bf-fb3a1f8c5473_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationBBVADirectorsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Annual variable remuneration BBVA directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationBBVADirectorsLineItems" xlink:href="bbva-20241231.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_2c09820d-f3d3-4c9a-9740-420029fce242_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedByOtherFirms" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_HedgesOfNetInvestmentInForeignOperationsMember_afa86622-7f8e-44a3-b31b-08955b15af6a_terseLabel_en-US" xlink:label="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset_b2a90333-4860-4953-a7fa-9f7452f64ffa_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from payments in respect of settlements</link:label>
    <link:label id="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from payments in respect of settlements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_AllCurrenciesDomain_06b67fbd-3103-4379-b245-320752ff060a_terseLabel_en-US" xlink:label="lab_currency_AllCurrenciesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/currency-2024.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_ifrs-full_SaleOrIssueOfTreasuryShares_e9565f1b-b082-474f-8b2a-bbf753002b50_terseLabel_en-US" xlink:label="lab_ifrs-full_SaleOrIssueOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember_6af26bf2-565c-4bc6-afb1-273ad1faad1e_terseLabel_en-US" xlink:label="lab_bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_52e187d2-ae38-4c6d-a339-377dfc8a2a4b_terseLabel_en-US" xlink:label="lab_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_OtherLiabilitiesAccruals_9bf697d1-0176-48b0-8f1b-1c05b1bc010e_terseLabel_en-US" xlink:label="lab_bbva_OtherLiabilitiesAccruals" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other Liabilities Accruals</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherLiabilitiesAccruals" xlink:href="bbva-20241231.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_7bc3d4c4-bc4a-46b5-b1af-19720758ece4_terseLabel_en-US" xlink:label="lab_bbva_IntangibleAssetsWithDefiniteUsefulLifeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_b102312f-96f0-443d-a440-efa8f21d9f07_terseLabel_en-US" xlink:label="lab_bbva_HybridFinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Hybrid financial instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HybridFinancialInstrumentsMember" xlink:href="bbva-20241231.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_1a628b85-fefa-4b0e-b18b-aca93ed2c8a2_terseLabel_en-US" xlink:label="lab_bbva_MortalityTables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Mortality tables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MortalityTables" xlink:href="bbva-20241231.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_2166b64c-3ed8-409a-92cb-11ce9aea3034_terseLabel_en-US" xlink:label="lab_bbva_TypeOfScenarioDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Type of scenario</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TypeOfScenarioDomain" xlink:href="bbva-20241231.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_ba52bab5-eb34-49ff-b91d-972babc11dc9_terseLabel_en-US" xlink:label="lab_bbva_PensionCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Pension commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PensionCommitments" xlink:href="bbva-20241231.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_country_MX_32cf5827-e1c3-4e21-acff-203c8714580c_terseLabel_en-US" xlink:label="lab_country_MX" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">MEXICO</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_MX" xlink:href="https://xbrl.sec.gov/country/2024/country-2024.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_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember_79f9d6d8-8414-48c9-88ab-7658825aaaf0_terseLabel_en-US" xlink:label="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of which debt securities issued by BBVA plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember_label_en-US" xlink:label="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Of which debt securities issued by BBVA plan assets breakdown [Member]</link:label>
    <link:label id="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember_documentation_en-US" xlink:label="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Of which debt securities issued by BBVA plan assets breakdown</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" xlink:href="bbva-20241231.xsd#bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" xlink:to="lab_bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock_2a3377df-768d-489e-91e8-42a090d7e039_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policy for fee and commission income and expense [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock_label_en-US" xlink:label="lab_bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting policy for fee and commission income and expense [Policy Text Block]</link:label>
    <link:label id="lab_bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock_documentation_en-US" xlink:label="lab_bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accounting policy for fee and commission income and expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" xlink:href="bbva-20241231.xsd#bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" xlink:to="lab_bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems_b1a7dadc-d376-45b8-b3c5-24a13b34a421_terseLabel_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impaired financial assets at amortised cost [Line Items]</link:label>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems_label_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired financial assets at amortised cost [Line Items]</link:label>
    <link:label id="lab_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems_documentation_en-US" xlink:label="lab_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impaired financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems" xlink:href="bbva-20241231.xsd#bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems" xlink:to="lab_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities_6b9f17d6-fd13-4bc1-bd7f-1df7f4065226_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_TaxAssetsAndLiabiltiesAbstract_402d9a62-680a-4069-9345-a54ec0682d8c_terseLabel_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabiltiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax Assets And Liabilties [Abstract]</link:label>
    <link:label id="lab_bbva_TaxAssetsAndLiabiltiesAbstract_label_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabiltiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Assets And Liabilties [Abstract]</link:label>
    <link:label id="lab_bbva_TaxAssetsAndLiabiltiesAbstract_documentation_en-US" xlink:label="lab_bbva_TaxAssetsAndLiabiltiesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Assets And Liabilties [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TaxAssetsAndLiabiltiesAbstract" xlink:href="bbva-20241231.xsd#bbva_TaxAssetsAndLiabiltiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_TaxAssetsAndLiabiltiesAbstract" xlink:to="lab_bbva_TaxAssetsAndLiabiltiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_EntitiesByMainActivitiesAxis_9a90d78a-8a84-4ef4-9ba9-248c9eb81fb4_terseLabel_en-US" xlink:label="lab_bbva_EntitiesByMainActivitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entities by main activities [Axis]</link:label>
    <link:label id="lab_bbva_EntitiesByMainActivitiesAxis_label_en-US" xlink:label="lab_bbva_EntitiesByMainActivitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entities by main activities [Axis]</link:label>
    <link:label id="lab_bbva_EntitiesByMainActivitiesAxis_documentation_en-US" xlink:label="lab_bbva_EntitiesByMainActivitiesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Entities by main activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EntitiesByMainActivitiesAxis" xlink:href="bbva-20241231.xsd#bbva_EntitiesByMainActivitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EntitiesByMainActivitiesAxis" xlink:to="lab_bbva_EntitiesByMainActivitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowHedgesMember_8c76a8af-17e3-4547-af61-a05f9912dade_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedges [member]</link:label>
    <link:label id="lab_ifrs-full_CashFlowHedgesMember_label_en-US" xlink:label="lab_ifrs-full_CashFlowHedgesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flow hedges [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowHedgesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CashFlowHedgesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowHedgesMember" xlink:to="lab_ifrs-full_CashFlowHedgesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CorporacionGeneralFinancieraSAMember_8ebc97e6-ab0e-4792-942a-10948a7e5907_terseLabel_en-US" xlink:label="lab_bbva_CorporacionGeneralFinancieraSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporacion General Financiera SA [Member]</link:label>
    <link:label id="lab_bbva_CorporacionGeneralFinancieraSAMember_label_en-US" xlink:label="lab_bbva_CorporacionGeneralFinancieraSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporacion General Financiera SA [Member]</link:label>
    <link:label id="lab_bbva_CorporacionGeneralFinancieraSAMember_documentation_en-US" xlink:label="lab_bbva_CorporacionGeneralFinancieraSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Corporacion General Financiera SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_CorporacionGeneralFinancieraSAMember" xlink:href="bbva-20241231.xsd#bbva_CorporacionGeneralFinancieraSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_CorporacionGeneralFinancieraSAMember" xlink:to="lab_bbva_CorporacionGeneralFinancieraSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock_cb743753-56ae-4016-9410-4d7579348bb2_terseLabel_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Annual Variable Remuneration from previous financial years [Table Text Block]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock_label_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Annual Variable Remuneration from previous financial years [Table Text Block]</link:label>
    <link:label id="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock_documentation_en-US" xlink:label="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Annual Variable Remuneration from previous financial years</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" xlink:href="bbva-20241231.xsd#bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" xlink:to="lab_bbva_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss_514f381e-1601-4889-a74d-9d51db588a4a_terseLabel_en-US" xlink:label="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial gains or losses on defined benefit pension plans that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial gains or losses on defined benefit pension plans that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Actuarial gains or losses on defined benefit pension plans that will not be reclassified to profit or loss</link:label>
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    <link:label id="lab_bbva_Additions_ee9af6e7-55a7-40e5-9f02-ed2a7d007636_terseLabel_en-US" xlink:label="lab_bbva_Additions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions</link:label>
    <link:label id="lab_bbva_Additions_label_en-US" xlink:label="lab_bbva_Additions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additions</link:label>
    <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" xml:lang="en-US">Additions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_Additions" xlink:href="bbva-20241231.xsd#bbva_Additions"/>
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    <link:label id="lab_bbva_ValuationAdjustments_4fc7c4a9-a76c-4737-9358-39d13d2a838e_terseLabel_en-US" xlink:label="lab_bbva_ValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation adjustments</link:label>
    <link:label id="lab_bbva_ValuationAdjustments_label_en-US" xlink:label="lab_bbva_ValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation adjustments</link:label>
    <link:label id="lab_bbva_ValuationAdjustments_documentation_en-US" xlink:label="lab_bbva_ValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Valuation adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ValuationAdjustments" xlink:href="bbva-20241231.xsd#bbva_ValuationAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ValuationAdjustments" xlink:to="lab_bbva_ValuationAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_SeniorManagementMember_ab30a4e0-ef10-44d9-91cd-57c350724e44_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Senior management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementMember" xlink:href="bbva-20241231.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_96bc70f8-3729-49b3-b521-62b787728918_terseLabel_en-US" xlink:label="lab_bbva_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_9b599982-3d03-4afb-ba05-b36431beddae_terseLabel_en-US" xlink:label="lab_bbva_FinancialAssetsAtAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinancialAssetsAtAmortisedCostTableTextBlock" xlink:href="bbva-20241231.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_d2bb4c04-3eda-46e5-9e14-3ab0260f4c84_terseLabel_en-US" xlink:label="lab_bbva_HousingPrice100Bp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Housing price -100 bp</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_HousingPrice100Bp" xlink:href="bbva-20241231.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_a0fd3634-b9d4-4d16-9d61-1570c7d7919b_terseLabel_en-US" xlink:label="lab_bbva_JosMaldonadoRamosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Jos&#233; Maldonado Ramos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_JosMaldonadoRamosMember" xlink:href="bbva-20241231.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_ifrs-full_SharePremium_bf5f5a4d-9677-4144-9d4c-6902ac8659b6_terseLabel_en-US" xlink:label="lab_ifrs-full_SharePremium" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share premium</link:label>
    <link:label id="lab_ifrs-full_SharePremium_label_en-US" xlink:label="lab_ifrs-full_SharePremium" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share premium</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SharePremium" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_SharePremium"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SharePremium" xlink:to="lab_ifrs-full_SharePremium" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage_7399c6c4-5753-4533-96e8-29f9184d164d_terseLabel_en-US" xlink:label="lab_bbva_InterestExpenseForAdjustmentInterestOnAccountingCoverage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_b2ed6c32-17a1-46c9-a803-ffd198f8cb8f_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flows from losing control of subsidiaries or other businesses</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from losing control of subsidiaries or other businesses, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_VoluntaryReserves_babcd39f-66a5-4ef6-904d-ba29b069e9ee_terseLabel_en-US" xlink:label="lab_bbva_VoluntaryReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Voluntary reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_VoluntaryReserves" xlink:href="bbva-20241231.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_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems_91a00953-b9f3-49a8-9fd7-d7123b459ba3_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclousre of derivative financial assets held for hedging [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems_label_en-US" xlink:label="lab_bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of derivative financial assets held for hedging [Line Items]</link:label>
    <link:label id="lab_bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems_documentation_en-US" xlink:label="lab_bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclousre of derivative financial assets held for hedging</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" xlink:href="bbva-20241231.xsd#bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" xlink:to="lab_bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DecreaseSales_34d4cd6f-5fe4-4ab4-a11a-e5a8f20b4ce4_terseLabel_en-US" xlink:label="lab_bbva_DecreaseSales" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Decrease sales</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DecreaseSales" xlink:href="bbva-20241231.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_4d73500b-c5a8-4299-96f6-fb63b0aa11fd_terseLabel_en-US" xlink:label="lab_bbva_SeniorManagementRetirement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Senior management retirement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_SeniorManagementRetirement" xlink:href="bbva-20241231.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_AdditionsTangibleAssetsMember_ecff3d5f-ae27-4eff-ab58-790ad392cc75_terseLabel_en-US" xlink:label="lab_bbva_AdditionsTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Additions tangible assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionsTangibleAssetsMember" xlink:href="bbva-20241231.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_308ea13a-6335-486d-a0d7-d518e761d045_terseLabel_en-US" xlink:label="lab_bbva_AdditionalTier1AT1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Additional tier 1 AT1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AdditionalTier1AT1Member" xlink:href="bbva-20241231.xsd#bbva_AdditionalTier1AT1Member"/>
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    <link:label id="lab_bbva_TreasurySharesAbstract_1b446e06-c546-463d-9278-191d3dde12be_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Treasury shares [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesAbstract" xlink:href="bbva-20241231.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_8d369134-3535-4a92-8c30-73789a02b8ce_terseLabel_en-US" xlink:label="lab_bbva_FinanceLeasesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Finance leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_FinanceLeasesMember" xlink:href="bbva-20241231.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_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets_7293c9c0-b221-4e83-9e4d-3e7e207f99fc_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment on other non financial assets</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets_label_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment on other non financial assets</link:label>
    <link:label id="lab_bbva_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets_documentation_en-US" xlink:label="lab_bbva_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment on other non financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" xlink:href="bbva-20241231.xsd#bbva_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" xlink:to="lab_bbva_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_CreditExposureClassesOfFinancialInstrumentsDomain_7b9ae538-f71d-4af4-b272-32e881418a62_terseLabel_en-US" xlink:label="lab_bbva_CreditExposureClassesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_1d48f773-f79c-4b53-9d21-1af77258828d_terseLabel_en-US" xlink:label="lab_bbva_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_cdc1d4f0-c7f8-4bbd-bbb1-048e5c74868e_terseLabel_en-US" xlink:label="lab_bbva_MainCurrenciesSensitivityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Main currencies sensitivity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MainCurrenciesSensitivityAxis" xlink:href="bbva-20241231.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_dd4a6d41-a3c4-4a9a-8345-db6e6c0b0d9d_terseLabel_en-US" xlink:label="lab_bbva_LoanCommitmentsGivenFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_DeferredTaxAssetsAndLiabilitiesDomain_87c905e7-1e26-4845-b1e4-bb45c5b19beb_terseLabel_en-US" xlink:label="lab_bbva_DeferredTaxAssetsAndLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deferred tax assets and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DeferredTaxAssetsAndLiabilitiesDomain" xlink:href="bbva-20241231.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_22468de8-e4b5-4d98-9ce6-dc9e939e195a_terseLabel_en-US" xlink:label="lab_bbva_PotentialImpactOnOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock_5cfd1931-3bbe-432b-b008-4952371f314c_terseLabel_en-US" xlink:label="lab_bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_a3cf3e53-bf04-4b5b-878a-dc830d752640_terseLabel_en-US" xlink:label="lab_bbva_BBVAArgentineGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">BBVA Argentine group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BBVAArgentineGroupMember" xlink:href="bbva-20241231.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_ifrs-full_IssuedCapitalMember_9552a0e9-ee00-4602-891b-b3ba2e332f9c_terseLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_dei_DocumentFiscalYearFocus_6ccd2b1b-dc8e-400d-bcee-2d5b29a410d4_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalYearFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalYearFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalYearFocus" xlink:to="lab_dei_DocumentFiscalYearFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_BanksMember_0d4e18ce-dd2a-49c9-a87d-cb5a3e2a0c46_terseLabel_en-US" xlink:label="lab_bbva_BanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_BanksMember" xlink:href="bbva-20241231.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_4096b4ef-85be-4d61-be4b-0f3771fc0148_terseLabel_en-US" xlink:label="lab_bbva_AnnualVariableRemunerationAVRTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Annual Variable Remuneration (AVR)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AnnualVariableRemunerationAVRTableTextBlock" xlink:href="bbva-20241231.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_MetrovacesaSAMember_3045766d-ab98-4fa8-915c-b53967af914c_terseLabel_en-US" xlink:label="lab_bbva_MetrovacesaSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Metrovacesa SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MetrovacesaSAMember" xlink:href="bbva-20241231.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_299f6964-f77f-4ec0-bd78-af131a6145ac_terseLabel_en-US" xlink:label="lab_bbva_DebtCertificatesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Debt certificates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DebtCertificatesDomain" xlink:href="bbva-20241231.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_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet_053e18f5-ba5c-4a67-b184-f0fe4b5355c1_terseLabel_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet_label_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial assets and financial liabilities at fair value through profit or loss net</link:label>
    <link:label id="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet_documentation_en-US" xlink:label="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial assets and financial liabilities at fair value through profit or loss net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" xlink:href="bbva-20241231.xsd#bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" xlink:to="lab_bbva_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember_ea45a841-c71b-41ee-8557-414c4fd85a2f_terseLabel_en-US" xlink:label="lab_bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_a56768cb-dca1-4031-9817-8add7d68de45_terseLabel_en-US" xlink:label="lab_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_00bc0590-3a0c-481c-bdd3-87210e82da48_terseLabel_en-US" xlink:label="lab_bbva_TotalTransactionsOnBehalfOfThirdParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico_1b41785a-8e38-4fe4-ac87-bf3f639a5f42_terseLabel_en-US" xlink:label="lab_bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations_5bcbe463-0793-4aae-85ae-cafa28645759_terseLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share from continuing operations</link:label>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share from continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.xsd#ifrs-full_BasicEarningsLossPerShareFromContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:to="lab_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_DisclosureOfOtherOperatingExpenseLineItems_9629fcbe-f54f-4390-adc8-a9f8e3f49a7f_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfOtherOperatingExpenseLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disclosure of other operating expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfOtherOperatingExpenseLineItems" xlink:href="bbva-20241231.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_bbva_DisclosureOfSharePremiumTextBlock_d77f3315-c678-48ab-bb43-197c695ee85a_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfSharePremiumTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Disclosure of Share Premium</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_DisclosureOfSharePremiumTextBlock" xlink:href="bbva-20241231.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_6c39a367-8217-4223-867d-b2b74d805dfa_terseLabel_en-US" xlink:label="lab_bbva_OfWhichOtherCollateralizedLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Of which other collateralized loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OfWhichOtherCollateralizedLoansMember" xlink:href="bbva-20241231.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_c4eecd74-8ed4-4a0f-a4f1-9eecabe894e8_terseLabel_en-US" xlink:label="lab_bbva_ImpactsOfIncreasesOrDecreasesInPercentageDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_LCRMainLMUAxis_eb5de426-79f6-40e3-8237-a0e3b63e2414_terseLabel_en-US" xlink:label="lab_bbva_LCRMainLMUAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">LCR main LMU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_LCRMainLMUAxis" xlink:href="bbva-20241231.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_a9fe9da1-058f-40be-a338-98e9ad19d97e_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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" 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" 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-20241231.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_MinorityInterestsNonControllingInterestsLineItems_0cd60656-1525-4646-9b95-98ae1d692196_terseLabel_en-US" xlink:label="lab_bbva_MinorityInterestsNonControllingInterestsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minority interests (non-controlling interests) [Line Items]</link:label>
    <link:label id="lab_bbva_MinorityInterestsNonControllingInterestsLineItems_label_en-US" xlink:label="lab_bbva_MinorityInterestsNonControllingInterestsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minority interests (non-controlling interests) [Line Items]</link:label>
    <link:label id="lab_bbva_MinorityInterestsNonControllingInterestsLineItems_documentation_en-US" xlink:label="lab_bbva_MinorityInterestsNonControllingInterestsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Minority interests (non-controlling interests)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MinorityInterestsNonControllingInterestsLineItems" xlink:href="bbva-20241231.xsd#bbva_MinorityInterestsNonControllingInterestsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_MinorityInterestsNonControllingInterestsLineItems" xlink:to="lab_bbva_MinorityInterestsNonControllingInterestsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_TreasurySharesTableTextBlock_d30d6d08-88f1-4be8-b43d-c4f51ac74f82_terseLabel_en-US" xlink:label="lab_bbva_TreasurySharesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_TreasurySharesTableTextBlock" xlink:href="bbva-20241231.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_94fe2b00-3171-4544-9d49-f3bd2b4a3589_terseLabel_en-US" xlink:label="lab_bbva_MedicalBenefitsCommitmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Medical benefits commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_MedicalBenefitsCommitmentsAxis" xlink:href="bbva-20241231.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_12330124-4ff2-4cd2-a910-1be636bf4f31_terseLabel_en-US" xlink:label="lab_bbva_ConversionsToDefinedContributions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Conversions to defined contributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConversionsToDefinedContributions" xlink:href="bbva-20241231.xsd#bbva_ConversionsToDefinedContributions"/>
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    <link:label id="lab_bbva_ConnieHedegaardMember_eeab4fad-f1d9-48ff-aa6d-dcd39d145357_terseLabel_en-US" xlink:label="lab_bbva_ConnieHedegaardMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Connie Hedegaard</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ConnieHedegaardMember" xlink:href="bbva-20241231.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_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome_5d4a96ac-8f1b-438b-a3e2-8235fa70894b_terseLabel_en-US" xlink:label="lab_bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications debt securities at fair value through other comprehensive income</link:label>
    <link:label id="lab_bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other reclassifications debt securities at fair value through other comprehensive income</link:label>
    <link:label id="lab_bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other reclassifications debt securities at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:href="bbva-20241231.xsd#bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCurrentReportingStatus_01115483-0730-4e61-a53b-316bfbec1e1c_terseLabel_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ifrs-full_OtherFeeAndCommissionExpense_abc48b0c-f0d2-4b95-92ac-b405066d3a7e_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherFeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_OtherDeductionsAndFiltersMember_99176ee8-9f6b-476f-9f4d-e11b1f2f7706_terseLabel_en-US" xlink:label="lab_bbva_OtherDeductionsAndFiltersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Other deductions and filters</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherDeductionsAndFiltersMember" xlink:href="bbva-20241231.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_f4fc9f59-d83d-4029-99df-760ce79165ed_terseLabel_en-US" xlink:label="lab_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock"/>
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    <link:label id="lab_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock_00039ca3-e621-43d5-9be6-86d4e0c4bc62_terseLabel_en-US" xlink:label="lab_bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_OtherTangibleAssetsLeasedOutUnderAnOperatingLease_9702f47f-eddc-4e13-8da4-c0bee51dcaf6_terseLabel_en-US" xlink:label="lab_bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets leased out under an operating lease</link:label>
    <link:label id="lab_bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease_label_en-US" xlink:label="lab_bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other tangible assets leased out under an operating lease</link:label>
    <link:label id="lab_bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease_documentation_en-US" xlink:label="lab_bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other tangible assets leased out under an operating lease</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease" xlink:href="bbva-20241231.xsd#bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease" xlink:to="lab_bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_ShareholdersFundsEligibleCapitalResources_f8bc032a-6874-4e83-a825-3c87f9dd3d46_terseLabel_en-US" xlink:label="lab_bbva_ShareholdersFundsEligibleCapitalResources" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Shareholders funds eligible capital resources</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_ShareholdersFundsEligibleCapitalResources" xlink:href="bbva-20241231.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_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember_36953374-201e-4e88-bb0b-9442de25530a_terseLabel_en-US" xlink:label="lab_bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchase Agreements [Member]</link:label>
    <link:label id="lab_bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember_label_en-US" xlink:label="lab_bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repurchase agreements of financial liabilities at amortized cost [Member]</link:label>
    <link:label id="lab_bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember_documentation_en-US" xlink:label="lab_bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repurchase agreements of financial liabilities at amortized cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember" xlink:href="bbva-20241231.xsd#bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember" xlink:to="lab_bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain_097c6898-04c6-45b9-881d-89e591160c0e_terseLabel_en-US" xlink:label="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rates, foreign exchanges and other covered by fair value hedges [Domain]</link:label>
    <link:label id="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain_label_en-US" xlink:label="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest rates, foreign exchanges and other covered by fair value hedges [Domain]</link:label>
    <link:label id="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain_documentation_en-US" xlink:label="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest rates, foreign exchanges and other covered by fair value hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain" xlink:href="bbva-20241231.xsd#bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain" xlink:to="lab_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_AccountingPolicyForFinancialGuaranteesTextBlock_77f9d9bf-acc8-4950-a405-47b4441d6b9e_terseLabel_en-US" xlink:label="lab_bbva_AccountingPolicyForFinancialGuaranteesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Accounting policy for Financial guarantees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_AccountingPolicyForFinancialGuaranteesTextBlock" xlink:href="bbva-20241231.xsd#bbva_AccountingPolicyForFinancialGuaranteesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_AccountingPolicyForFinancialGuaranteesTextBlock" xlink:to="lab_bbva_AccountingPolicyForFinancialGuaranteesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_country_PE_cf9475a7-ccd1-4413-8639-ea00771261f7_terseLabel_en-US" xlink:label="lab_country_PE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PERU</link:label>
    <link:label id="lab_country_PE_label_en-US" xlink:label="lab_country_PE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PERU</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_PE" xlink:href="https://xbrl.sec.gov/country/2024/country-2024.xsd#country_PE"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_PE" xlink:to="lab_country_PE" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems_5e8197ac-4ddd-4dd2-8e85-5f28b8b86232_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024-03-27/full_ifrs/full_ifrs-cor_2024-03-27.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_EquityInstrumentsMember_a0f11094-1e9a-4f78-a823-94b1bda356f9_terseLabel_en-US" xlink:label="lab_bbva_EquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">equity instruments [Member]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsMember_label_en-US" xlink:label="lab_bbva_EquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity instruments [Member]</link:label>
    <link:label id="lab_bbva_EquityInstrumentsMember_documentation_en-US" xlink:label="lab_bbva_EquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_EquityInstrumentsMember" xlink:href="bbva-20241231.xsd#bbva_EquityInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_EquityInstrumentsMember" xlink:to="lab_bbva_EquityInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_bbva_PortfolioAxis_3706f984-e679-4e4a-b2b8-09c7c2c93523_terseLabel_en-US" xlink:label="lab_bbva_PortfolioAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portfolio [Axis]</link:label>
    <link:label id="lab_bbva_PortfolioAxis_label_en-US" xlink:label="lab_bbva_PortfolioAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio [Axis]</link:label>
    <link:label id="lab_bbva_PortfolioAxis_documentation_en-US" xlink:label="lab_bbva_PortfolioAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Portfolio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_bbva_PortfolioAxis" xlink:href="bbva-20241231.xsd#bbva_PortfolioAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bbva_PortfolioAxis" xlink:to="lab_bbva_PortfolioAxis" xlink:type="arc" order="1"/>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>14
<FILENAME>bbva-20241231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534274720">
<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, 2024 </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,  2024<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">2024<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">5,763,285,465<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>
<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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFinStmtErrorCorrectionFlag', window );">Document Financial Statement Error Correction [Flag]</a></td>
<td class="text">false<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="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">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="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=ifrs-full_OrdinarySharesMember', window );">Ordinary 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">Ordinary shares, 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_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<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_NoTradingSymbolFlag', window );">No Trading Symbol Flag</a></td>
<td class="text">true<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">BBVA25<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">BBVA26A<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">BBVA28<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_A5381FixedRateSeniorNonPreferredNotesDue2028Member', window );">A5381 Fixed Rate Senior Non-Preferred Notes due 2028 [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">5.381% Fixed Rate Senior Preferred Notes due 2029<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">BBVA29<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_Tier2SubordinatedCallableFixedToFixedRateNotesDue2034Member', window );">A7883 Fixed Rate Subordinated Notes Due 2034</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">Tier 2 Subordinated Callable Fixed-to-Fixed Rate Notes due 2034<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">BBVA34<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_A6033FixedRateSeniorNonPreferredCallableNotesDue2035Member', window );">A6033 Fixed Rate Senior Non-Preferred Callable Notes due 2035</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">Senior Non-Preferred Callable Fixed-to-Fixed Rate Notes due 2035<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">BBVA35<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_Series12NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember', window );">A9375 Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities</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">Series 12 Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities<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">BBVAP1<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_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember', window );">Series 14 Non-Step- Up Non- Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities [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">Series 14 Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities<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">BBVAP2<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_dei_EntityAddressesAddressTypeAxis=dei_BusinessContactMember', window );">Business Contact [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_ContactPersonnelName', window );">Contact Personnel Name</a></td>
<td class="text">Luisa G&#243;mez Bravo<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_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">Calle Azul, 4<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_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">28050<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_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Madrid<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_EntityAddressCountry', window );">Entity Address, Country</a></td>
<td class="text">ES<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_CityAreaCode', window );">City Area Code</a></td>
<td class="text">+34 91<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_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">537 7000<span></span>
</td>
</tr>
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<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>
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<td>xbrli:booleanItemType</td>
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
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<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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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFinStmtErrorCorrectionFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates whether any of the financial statement period in the filing include a restatement due to error correction.</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-K<br> -Number 229<br> -Section 402<br> -Subsection w<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 3: 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 4: 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_DocumentFinStmtErrorCorrectionFlag</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</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_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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></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_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>
</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_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>
</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_NoTradingSymbolFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 security having no trading symbol.</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_NoTradingSymbolFlag</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:trueItemType</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_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>
</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_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>
</table>
<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>
</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>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfShareCapitalAxis=bbva_A1125FixedRateSeniorNotesDue2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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>
</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>
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<tr>
<td><strong> Period Type:</strong></td>
<td></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_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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<td><strong> Data Type:</strong></td>
<td>na</td>
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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_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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data 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_A5381FixedRateSeniorNonPreferredNotesDue2028Member</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_Tier2SubordinatedCallableFixedToFixedRateNotesDue2034Member</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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<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_A6033FixedRateSeniorNonPreferredCallableNotesDue2035Member</td>
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<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_Series12NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data 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_Series14NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember</td>
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<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>
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<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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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534962624">
<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, 2024</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>
</td>
</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>
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<td>dei_</td>
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<td><strong> Period Type:</strong></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>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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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</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>
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<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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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_AuditorName</td>
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<tr>
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<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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</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>22
<FILENAME>R3.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360563659760">
<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, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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; 51,145<span></span>
</td>
<td class="nump">&#8364; 75,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 79,756<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_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">108,948<span></span>
</td>
<td class="nump">141,042<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">110,671<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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></sup></td>
<td class="nump">36,003<span></span>
</td>
<td class="nump">34,293<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">39,908<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Equity instruments held 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">6,760<span></span>
</td>
<td class="nump">4,589<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,404<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">27,955<span></span>
</td>
<td class="nump">28,569<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">24,367<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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">556<span></span>
</td>
<td class="nump">2,809<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,632<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Loans and advances to credit institutions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">20,938<span></span>
</td>
<td class="nump">56,599<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">25,231<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">loans and advances to customers held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16,736<span></span>
</td>
<td class="nump">14,182<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">15,130<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">10,546<span></span>
</td>
<td class="nump">8,737<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,888<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Equity instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,782<span></span>
</td>
<td class="nump">7,963<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,511<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Debt instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">407<span></span>
</td>
<td class="nump">484<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">129<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Loans and advances to customers at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">358<span></span>
</td>
<td class="nump">290<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">247<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">836<span></span>
</td>
<td class="nump">955<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">913<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', 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">836<span></span>
</td>
<td class="nump">955<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">913<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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">59,002<span></span>
</td>
<td class="nump">62,205<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">65,374<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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">1,451<span></span>
</td>
<td class="nump">1,217<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,198<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">57,526<span></span>
</td>
<td class="nump">60,963<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">64,150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[4]</sup></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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">25<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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">502,400<span></span>
</td>
<td class="nump">451,732<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">414,421<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[5]</sup></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">59,014<span></span>
</td>
<td class="nump">49,462<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">36,639<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[5],[6],[7]</sup></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_LoansAndAdvancesToCentralBanks', 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">8,255<span></span>
</td>
<td class="nump">7,151<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,401<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></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_LoansAndAdvancesToBanksAtAmortisedCost', window );">Loans and advances to banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">22,655<span></span>
</td>
<td class="nump">17,477<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">16,031<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">412,477<span></span>
</td>
<td class="nump">377,643<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">357,351<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5],[8]</sup></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">1,158<span></span>
</td>
<td class="nump">1,482<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,891<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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">(65)<span></span>
</td>
<td class="num">(97)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(148)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">989<span></span>
</td>
<td class="nump">976<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">916<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">94<span></span>
</td>
<td class="nump">93<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">100<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">895<span></span>
</td>
<td class="nump">883<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">816<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsThatAreAssets', window );">Assets under insurance contracts and reinsurance contracts issued</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">191<span></span>
</td>
<td class="nump">211<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">183<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">9,759<span></span>
</td>
<td class="nump">9,253<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,737<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></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">9,506<span></span>
</td>
<td class="nump">9,046<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,441<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssetsForOwnUse', window );">Property plant and equipment for own use</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,501<span></span>
</td>
<td class="nump">8,295<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">7,911<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherTangibleAssetsLeasedOutUnderAnOperatingLease', window );">Assets leased out under an operating lease</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,004<span></span>
</td>
<td class="nump">751<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">530<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">253<span></span>
</td>
<td class="nump">207<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">296<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">2,490<span></span>
</td>
<td class="nump">2,363<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,156<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">700<span></span>
</td>
<td class="nump">795<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">707<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">1,790<span></span>
</td>
<td class="nump">1,568<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,449<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">18,650<span></span>
</td>
<td class="nump">17,501<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">16,725<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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>[11]</sup></td>
<td class="nump">4,295<span></span>
</td>
<td class="nump">2,860<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,978<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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">14,354<span></span>
</td>
<td class="nump">14,641<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">14,747<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10],[12]</sup></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">5,525<span></span>
</td>
<td class="nump">2,859<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,586<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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>[14]</sup></td>
<td class="nump">1,299<span></span>
</td>
<td class="nump">276<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">325<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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">4,226<span></span>
</td>
<td class="nump">2,583<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,260<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">828<span></span>
</td>
<td class="nump">923<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,022<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">772,402<span></span>
</td>
<td class="nump">775,558<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[15]</sup></td>
<td class="nump">712,092<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[15],[16],[17]</sup></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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">86,591<span></span>
</td>
<td class="nump">121,715<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">95,611<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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></sup></td>
<td class="nump">33,059<span></span>
</td>
<td class="nump">33,045<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">37,909<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_ShortPositionsFinancialLiabilitiesHeldForTrading', window );">Short positions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,878<span></span>
</td>
<td class="nump">15,735<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">13,487<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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">3,360<span></span>
</td>
<td class="nump">6,397<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,950<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Deposits from credit institutions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16,285<span></span>
</td>
<td class="nump">43,337<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">28,924<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Customer deposits held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">20,010<span></span>
</td>
<td class="nump">23,201<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11,341<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,952<span></span>
</td>
<td class="nump">13,299<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,580<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_DepositsFromCentralBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Deposits from central banks at fair value through profit or loss, designated upon initial recognition or subsequently</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Deposits from banks at fair value through profit or loss, designated upon initial recognition or subsequently</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Customer deposits designated at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">934<span></span>
</td>
<td class="nump">717<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">700<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Other Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,420<span></span>
</td>
<td class="nump">8,605<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,592<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">584,339<span></span>
</td>
<td class="nump">557,589<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">529,172<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[18]</sup></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_LiabilitiesDueToCentralBanks', window );">Liabilities due to central banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,668<span></span>
</td>
<td class="nump">20,309<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">38,323<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[18]</sup></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">34,406<span></span>
</td>
<td class="nump">40,039<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">26,935<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[18]</sup></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">447,646<span></span>
</td>
<td class="nump">413,487<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">394,404<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[18],[19]</sup></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">69,867<span></span>
</td>
<td class="nump">68,707<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">55,429<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[18]</sup></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">17,753<span></span>
</td>
<td class="nump">15,046<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">14,081<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[18],[20]</sup></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_DerivativeFinancialLiabilitiesHeldForHedging', window );">Derivative financial liabilities held for hedging</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,503<span></span>
</td>
<td class="nump">2,625<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,303<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,981<span></span>
</td>
<td class="nump">12,110<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,131<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[21],[22]</sup></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_Provisions', window );">Provisions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,619<span></span>
</td>
<td class="nump">4,924<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,933<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProvisionsForEmployeeBenefits', window );">Provisions for employee benefits</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[23]</sup></td>
<td class="nump">2,348<span></span>
</td>
<td class="nump">2,571<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,632<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherLongTermEmployeesBenefits', window );">Other long term employees benefits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">384<span></span>
</td>
<td class="nump">435<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">466<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LegalProceedingsProvision', window );">Legal proceedings provision</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">791<span></span>
</td>
<td class="nump">696<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">685<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProvisionsCommitmentsAndGuaranteesGiven', window );">Provisions commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">667<span></span>
</td>
<td class="nump">770<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">770<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherProvisions', window );">Other provisions</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[24]</sup></td>
<td class="nump">429<span></span>
</td>
<td class="nump">452<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">380<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxLiabilities', window );">Tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,033<span></span>
</td>
<td class="nump">2,554<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,935<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_CurrentTaxLiabilities', window );">Current tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="nump">575<span></span>
</td>
<td class="nump">878<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,415<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,458<span></span>
</td>
<td class="nump">1,677<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,520<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10],[12]</sup></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_OtherLiabilities', window );">Other liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,370<span></span>
</td>
<td class="nump">5,477<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,909<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Liabilities', window );">Liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">712,388<span></span>
</td>
<td class="nump">720,293<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">661,575<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ShareholdersEquity', window );">Shareholders equity</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">72,875<span></span>
</td>
<td class="nump">67,955<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">64,535<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IssuedCapital', window );">Issued capital</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,824<span></span>
</td>
<td class="nump">2,861<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,955<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PaidUpCapital', window );">Paid up capital</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,824<span></span>
</td>
<td class="nump">2,861<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,955<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_SharePremium', window );">Share premium</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,184<span></span>
</td>
<td class="nump">19,769<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">20,856<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherEquityInterest', window );">Other equity interest</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">40<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">63<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_RetainedEarnings', window );">Retained earnings</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">40,693<span></span>
</td>
<td class="nump">36,237<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">32,711<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherReserves', window );">Other reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,814<span></span>
</td>
<td class="nump">2,015<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,345<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">(227)<span></span>
</td>
<td class="num">(237)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(221)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[25]</sup></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_Other', window );">Other reserves other</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,041<span></span>
</td>
<td class="nump">2,252<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,566<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TreasuryShares', window );">Treasury shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(66)<span></span>
</td>
<td class="num">(34)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(29)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">10,054<span></span>
</td>
<td class="nump">8,019<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,358<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterimDividends', window );">Interim dividends</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,668)<span></span>
</td>
<td class="num">(951)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(722)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccumulatedOtherComprehensiveIncome', window );">Accumulated other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(17,220)<span></span>
</td>
<td class="num">(16,254)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(17,642)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26]</sup></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_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">(1,988)<span></span>
</td>
<td class="num">(2,105)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,881)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26]</sup></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_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss', window );">Actuarial gains or losses on defined benefit pension plans that will not be reclassified to profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,067)<span></span>
</td>
<td class="num">(1,049)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(760)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26]</sup></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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss', window );">Non current assets and disposal groups classified as held for sale that will not be reclassified to profit or loss</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss', window );">Share of other recognized income and expense of investments in joint ventures and associates that will not be reclassified to profit or loss</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">(905)<span></span>
</td>
<td class="num">(1,112)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,194)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26],[27]</sup></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_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss', 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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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="num">(17)<span></span>
</td>
<td class="nump">55<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">72<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26]</sup></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_ItemsThatMayBeReclassifiedToProfitOrLoss', window );">Other comprehensive income that will be reclassified to profit or loss, net of tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(15,232)<span></span>
</td>
<td class="num">(14,148)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(15,760)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26]</sup></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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,329)<span></span>
</td>
<td class="num">(2,498)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,408)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26]</sup></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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(12,702)<span></span>
</td>
<td class="num">(11,419)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(13,078)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26]</sup></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_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss', window );">Hedging derivatives. Cash flow hedges effective portion</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">370<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(447)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss', window );">Fair value changes of debt instruments measured at fair value through other comprehensive income that may be reclassified to profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(576)<span></span>
</td>
<td class="num">(357)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(809)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26],[27]</sup></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_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss', window );">Hedging instruments non-designated items that may be reclassified to profit or loss</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss', window );">Share of other recognized income and expense of investments in joint ventures and associates that may be reclassified to profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(18)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[26]</sup></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_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,359<span></span>
</td>
<td class="nump">3,564<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,623<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[28]</sup></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_AccumulatedOtherComprehensiveIncomeNonControllingInterest', window );">Accumulated other comprehensive income non controlling interest</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,730)<span></span>
</td>
<td class="num">(3,321)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(3,109)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherNonControllingInterestItems', window );">Other non controlling interest items</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,089<span></span>
</td>
<td class="nump">6,885<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,732<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Equity', window );">Adjusted initial balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">60,014<span></span>
</td>
<td class="nump">55,265<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">50,517<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EquityAndLiabilities', window );">Equity and liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 772,402<span></span>
</td>
<td class="nump">&#8364; 775,558<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 712,092<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top">(1) During financial years 2024 and 2023, 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;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3).</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[6]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[7]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[8]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[9]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) The number of branches in 2022 was affected by 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.</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[10]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[11]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In 2024, the increase in current tax assets corresponds mainly to a higher tax receivable of the tax group in Spain, as well as in Mexico and Colombia, in relation to the Corporate Income Tax for the year 2024 related to the installment payments made in the year. On the other hand, the decrease in current tax liabilities corresponds mainly to the decrease in the tax payable in Mexico and Argentina in relation to the estimated income tax for the year 2023.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[12]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[13]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[14]</td>
<td style="vertical-align: top;" valign="top"><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) The variation in 2024 corresponds mainly to the acquisition of land plots from the Group's real estate company Crea Madrid Nuevo Norte, S.A. in relation to an urban planning operation in Madrid. </span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[15]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the years 2023 and 2022 were </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">revised, which has not affected t</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">he consolidated financial information of the Group.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[16]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[17]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Restated balances according to IFRS 17 - Insurance contracts, which had no material impacts as of that date (see &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 &#8211; Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8221;).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[18]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[19]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[20]</td>
<td style="vertical-align: top;" valign="top"><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:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[21]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[22]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[23]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) Recorded under the heading &#8220;Provisions - Provisions for pensions and similar obligations&#8221; of the consolidated balance sheet.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[24]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Individually non-significant provisions, for various concepts and corresponding to different geographical areas.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[25]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[26]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[27]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[28]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss</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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 designated upon initial recognition or subsequently</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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</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_DepositsFromCentralBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss, designated upon initial recognition or subsequently</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_DepositsFromCentralBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</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_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_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_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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 debt instruments measured at fair value through other comprehensive income 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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss</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_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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss</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_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss</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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss</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_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss</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_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 non-designated 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_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss</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_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_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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss</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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 through profit or loss, designated upon initial recognition or subsequently</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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</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_OtherTangibleAssetsLeasedOutUnderAnOperatingLease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 tangible 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_OtherTangibleAssetsLeasedOutUnderAnOperatingLease</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_PaidUpCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Paid up 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_PaidUpCapital</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_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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 recognized income and expense of investments in joint ventures and associates 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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss</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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 recognized income and expense of investments in joint ventures and associates 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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss</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_ShortPositionsFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial liabilities 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_ShortPositionsFinancialLiabilitiesHeldForTrading</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_TangibleAssetsForOwnUse">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_TangibleAssetsForOwnUse</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 [domain]]</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 2024-01-01<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-2024-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<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 [domain]]</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 2024-01-01<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-2024-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity at amortised cost. [Refer: Debt instruments held; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtAmortisedCost</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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity at fair value through profit or loss classified as held for trading. [Refer: Debt instruments held; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity that are mandatorily measured at fair value through profit or loss in accordance with IFRS 9, other than those classified as held for trading. [Refer: Debt instruments held; Financial assets at fair value through profit or loss, mandatorily measured at fair value, other than those 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading</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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity that are measured at fair value through other comprehensive income. [Refer: Debt instruments held; 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>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome</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_DebtInstrumentsIssuedAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsIssuedAtAmortisedCost</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 2024-01-01<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-2024-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<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-2024-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromBanksAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromBanksAtAmortisedCost</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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</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_DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss that meet the definition of held for trading. [Refer: 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading</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_DepositsFromCustomersAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromCustomersAtAmortisedCost</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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</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_DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss that meet the definition of held for trading. [Refer: 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held by the entity that provide evidence of a residual interest in the assets of another entity after deducting all of its liabilities, classified as held for trading. [Refer: Equity instruments held; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held by the entity that provide evidence of a residual interest in the assets of another entity after deducting all of its liabilities, mandatorily measured at fair value through profit or loss in accordance with IFRS 9, other than those classified as held for trading. [Refer: Equity instruments held; Financial assets at fair value through profit or loss, mandatorily measured at fair value, other than those 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading</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_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 2024-01-01<br> -Paragraph 11A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_11A_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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, mandatorily measured at fair 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/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that were designated as such upon initial recognition or subsequently. [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/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</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 2024-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing 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: 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 2024-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; 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 2024-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</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: Total for all 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 2024-01-01<br> -Paragraph 134<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_134_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2024-01-01<br> -Paragraph 135<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_135_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2024-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B67_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InsuranceContractsThatAreAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that are assets. [Refer: Assets; Insurance contracts [domain]]</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 17<br> -IssueDate 2024-01-01<br> -Paragraph 99<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_99_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InsuranceContractsThatAreAssets</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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 54<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_g&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 76<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=40&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_76&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 40<br> -IssueDate 2024-01-01<br> -Paragraph 79<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=40&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_79_d&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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: Total for all 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 2024-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2024-03-27<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: Total for all 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 2024-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2024-03-27<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: Total for all associates [member]; Total for all joint ventures [member]; Total for all 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 2024-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Section Example 10 A court case<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2024-en-r&amp;doctype=Illustrative%20Examples&amp;dita_xref=IAS37_IE_C_ex10_TI<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2024-01-01<br> -Paragraph 87<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_87&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph p<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_p&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToBanksAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Loans and advances to banks; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToBanksAtAmortisedCost</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_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss classified as held for trading. [Refer: Loans and advances to banks; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that are measured at fair value through other comprehensive income. [Refer: Loans and advances to banks; 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>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome</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_LoansAndAdvancesToCentralBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCentralBanks</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_LoansAndAdvancesToCustomersAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Loans and advances to customers; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCustomersAtAmortisedCost</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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss classified as held for trading. [Refer: Loans and advances to customers; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that are mandatorily measured at fair value through profit or loss in accordance with IFRS 9, other than those classified as held for trading. [Refer: Loans and advances to customers; Financial assets at fair value through profit or loss, mandatorily measured at fair value, other than those 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading</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: Total for all 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 10<br> -IssueDate 2024-01-01<br> -Paragraph 22<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=10&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_22&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph 12<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_12_f&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph q<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_q&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 54<br> -Subparagraph m<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 84<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_84_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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. Note that right-of-use assets are not included. [Contrast: Property, plant and equipment including right-of-use 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 16<br> -IssueDate 2024-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_73_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2024-01-01<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2024-01-01<br> -Paragraph 34<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_34&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526643456">
<tr>
<th class="tl" colspan="2" 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="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_ifrs-full_IncomeStatementAbstract', window );"><strong>Profit or loss [abstract]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 61,659<span></span>
</td>
<td class="nump">&#8364; 47,850<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 31,432<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterestRevenueCalculatedUsingEffectiveInterestMethod', window );">Interest revenue calculated using effective interest method</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">55,224<span></span>
</td>
<td class="nump">42,141<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">29,134<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherInterestIncome', window );">Other interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,435<span></span>
</td>
<td class="nump">5,709<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,298<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterestExpense', window );">Interest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(36,392)<span></span>
</td>
<td class="num">(24,761)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(12,309)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_InterestRevenueExpense', window );">Interest income (expense)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">25,267<span></span>
</td>
<td class="nump">23,089<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">19,124<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[3]</sup></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_RevenueFromDividends', window );">Dividend income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">120<span></span>
</td>
<td class="nump">118<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">123<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod', window );">Share of profit (loss) of associates and joint ventures accounted for using equity method</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">40<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">21<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FeeAndCommissionIncome', window );">Fee and commission income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,036<span></span>
</td>
<td class="nump">9,899<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,260<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_FeeAndCommissionExpense', window );">Fee and commission expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(5,048)<span></span>
</td>
<td class="num">(3,611)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,888)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></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_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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">327<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">64<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost', window );">Gains Losses On Derecognition Of Financial Assets At Amortized Cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">20<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities', window );">Gains Losses On Derecognition Of Other Financial Assets And Liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">307<span></span>
</td>
<td class="nump">35<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">56<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet', window );">Gains or losses on financial assets and liabilities held for trading net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,458<span></span>
</td>
<td class="nump">1,352<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">562<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading', window );">Reclassification Of Financial Assets From Fair Value Through Other Comprehensive Income To Held For Trading</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading', window );">Reclassification Of Financial Assets From Amortized Cost To Held For Trading</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ReclassificationOfOtherGainsLossesToHeldForTrading', window );">Reclassification Of Other Gains Losses To Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,458<span></span>
</td>
<td class="nump">1,352<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">562<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Gains (losses) on 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">179<span></span>
</td>
<td class="nump">337<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(67)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Reclassification Of Other Gains Losses To Non Trading Financial Assets Mandatorily 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">337<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(67)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet', window );">Gains or losses on financial assets and liabilities designated at fair value through profit or loss net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">249<span></span>
</td>
<td class="nump">96<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Gain (loss) on hedge ineffectiveness recognised in profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(45)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Foreign exchange gain (loss)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">695<span></span>
</td>
<td class="nump">339<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,275<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MiscellaneousOtherOperatingIncome', window );">Miscellaneous other operating income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">623<span></span>
</td>
<td class="nump">619<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">528<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MiscellaneousOtherOperatingExpense', window );">Miscellaneous other operating expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,951<span></span>
</td>
<td class="nump">4,042<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,438<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncomeArisingFromInsuranceContracts', window );">Income arising from insurance contracts</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">3,720<span></span>
</td>
<td class="nump">3,081<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,622<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_ExpenseArisingFromInsuranceContracts', window );">Expense arising from insurance contracts</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,238)<span></span>
</td>
<td class="num">(1,821)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,547)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_GrossProfit', window );">Gross profit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">35,481<span></span>
</td>
<td class="nump">29,542<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">24,743<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[3]</sup></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_AdministrativeExpense', window );">Administrative expenses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12,660<span></span>
</td>
<td class="nump">10,905<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9,373<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EmployeeBenefitsExpense', window );">Employee benefits expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(7,659)<span></span>
</td>
<td class="num">(6,530)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(5,601)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></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_OtherExpenseByFunction', window );">Other expense, by function</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,001<span></span>
</td>
<td class="nump">4,375<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,773<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></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_DepreciationAndAmortisationExpense', window );">Depreciation and amortisation expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,533)<span></span>
</td>
<td class="num">(1,403)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,328)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProvisionOrReversalOfProvisions', window );">Provision or reversal of provisions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(198)<span></span>
</td>
<td class="num">(373)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(291)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification', window );">Impairment loss on financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,745<span></span>
</td>
<td class="nump">4,428<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,379<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainsLossesOnFinancialAssetsAtAmortisedCost', window );">Gains (losses) on financial assets at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(5,687)<span></span>
</td>
<td class="num">(4,386)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(3,303)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Impairment Financial Assets Measured At Fair Value Through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(58)<span></span>
</td>
<td class="num">(42)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(76)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossFromOperatingActivities', window );">Profit (loss) from operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,345<span></span>
</td>
<td class="nump">12,432<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,372<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates', window );">Impairment or reversal of impairment investments in subsidiaries joint ventures and associates</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">63<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">42<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets', window );">Impairment or reversal of impairment on non financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1<span></span>
</td>
<td class="num">(54)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(27)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill', window );">Impairment loss recognised in profit or loss, intangible assets and goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">25<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets', window );">Impairment or reversal of impairment on other non financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">55<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Impairment tangible assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(29)<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(53)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet', window );">Gains(losses) on derecognized of non financial assets and subsidiaries net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(11)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NegativeGoodwillRecognisedInProfitAndLoss', window );">Negative goodwill recognised in profit and loss</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations', window );">Gains (losses) from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(17)<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(108)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,405<span></span>
</td>
<td class="nump">12,419<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">10,268<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[3],[10]</sup></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_IncomeTaxExpenseContinuingOperations', window );">Tax expense (income)</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="num">(4,830)<span></span>
</td>
<td class="num">(4,003)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(3,505)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></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_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,575<span></span>
</td>
<td class="nump">8,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,763<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossFromDiscontinuedOperations', window );">Profit (loss) from discontinued operations</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLoss', window );">Profit (loss)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,575<span></span>
</td>
<td class="nump">8,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,763<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossAttributableToNoncontrollingInterests', window );">Profit (loss), attributable to non-controlling interests</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">521<span></span>
</td>
<td class="nump">397<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">405<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss), attributable to owners of parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 10,054<span></span>
</td>
<td class="nump">&#8364; 8,019<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">&#8364; 6,358<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[3],[14]</sup></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_BasicEarningsLossPerShare', window );">Basic earnings (loss) per share</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 1.68<span></span>
</td>
<td class="nump">&#8364; 1.29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 0.98<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[14]</sup></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_BasicEarningsLossPerShareFromContinuingOperations', window );">Basic earnings (loss) per share from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1.68<span></span>
</td>
<td class="nump">1.29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0.98<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[14]</sup></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_DilutedEarningsLossPerShareFromContinuingOperations', window );">Diluted earnings (loss) per share from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1.68<span></span>
</td>
<td class="nump">1.29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0.98<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[14]</sup></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_BasicEarningsLossPerShareFromDiscontinuedOperations', window );">Basic earnings (loss) per share from discontinued operations</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[14]</sup></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_DilutedEarningsLossPerShareFromDiscontinuedOperations', window );">Diluted earnings (loss) per share from discontinued operations</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[14]</sup></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(2) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the year 2023 have been revised, which has not affected the consolidated financial information of the Group.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Restated according to IFRS 17 - Insurance contracts, which had no material impacts for such period (see </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8221;). </span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[6]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[7]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[8]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[9]</td>
<td style="vertical-align: top;" valign="top"><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[10]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[11]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In 2024, &#8364;3,970 million and &#8364;860 million corresponded to current tax expenses and deferred tax expenses, respectively.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[12]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[13]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3 ).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[14]</td>
<td style="vertical-align: top;" valign="top">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</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_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>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_ExpenseArisingFromInsuranceContracts</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_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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) 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_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations</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_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet</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_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet</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_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 loss on 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_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome</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_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 of investments in 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_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates</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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial assets not measured at fair value through profit or loss or net gains by modification</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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification</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_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 other 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_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets</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_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>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_IncomeArisingFromInsuranceContracts</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_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>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_OtherInterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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</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_OtherInterestIncome</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 2024-01-01<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-2024-en-r&amp;anchor=para_35_b_vi&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2024-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2024-03-27<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-2022: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, unless line item indicates otherwise [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 2024-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2024-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2024-03-27<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-2022: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 2024-01-01<br> -Paragraph 68<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2024-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2024-03-27<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-2022: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 2024-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 104<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2024-03-27<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, unless line item indicates otherwise [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 2024-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2024-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2024-03-27<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-2022: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 2024-01-01<br> -Paragraph 68<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2024-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2024-03-27<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-2022: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 2024-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 104<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 gain (loss) recognised in profit or loss on hedge ineffectiveness. [Refer: Gain (loss) on hedge ineffectiveness]</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 2024-01-01<br> -Paragraph 24C<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24C_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 24C<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24C_b_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss</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_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 exchange differences recognised in profit or loss that arise from foreign currency transactions, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: At fair value [member]; Classes of financial instruments [domain]]</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 2024-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss</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_GainsLossesOnFinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 measured at amortised cost. [Refer: Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20_a_vi&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainsLossesOnFinancialAssetsAtAmortisedCost</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 2024-01-01<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-2024-en-r&amp;anchor=para_20_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 and goodwill. [Refer: Impairment loss recognised in profit or loss; Intangible assets and 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 38<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_118_e_iv&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill</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_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 IAS<br> -Number 26<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InterestRevenueCalculatedUsingEffectiveInterestMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 interest revenue calculated using the effective interest method. Effective interest method is the method that is used in the calculation of the amortised cost of a financial asset or a financial liability and in the allocation and recognition of the interest revenue or interest expense in profit or loss over the relevant period. [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 1<br> -IssueDate 2024-01-01<br> -Paragraph 82<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 82<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InterestRevenueCalculatedUsingEffectiveInterestMethod</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_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 2024-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<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-2024-en-r&amp;anchor=para_35_b_vii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 18<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<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-2024-en-r&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
</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_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 2024-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
<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, unless line item indicates otherwise [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 2024-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_B12_b_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 98<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 82<br> -Subparagraph ea<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2024-03-27<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/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2024-01-01<br> -Paragraph IE33<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_IE33&amp;doctype=Illustrative%20Examples<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 23<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
</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_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 reversal of impairment loss recognised in profit or loss for property, plant and equipment including right-of-use assets. [Refer: Reversal of impairment loss recognised in profit or loss; Property, plant and equipment including right-of-use 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 16<br> -IssueDate 2024-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_73_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets</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>
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<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: Total for all associates [member]; Investments accounted for using equity method; Total for all 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 2024-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_g&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 82<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534102864">
<tr>
<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></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_ifrs-full_StatementOfComprehensiveIncomeAbstract', window );"><strong>Statement of comprehensive income [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>
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<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; 10,575,000,000<span></span>
</td>
<td class="nump">&#8364; 8,416,000,000<span></span>
</td>
<td class="nump">&#8364; 6,763,000,000<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="num">(414,000,000)<span></span>
</td>
<td class="nump">1,175,000,000<span></span>
</td>
<td class="nump">789,000,000<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_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Other comprehensive income that will not be reclassified to profit or loss, net of tax</a></td>
<td class="nump">79,000,000<span></span>
</td>
<td class="num">(223,000,000)<span></span>
</td>
<td class="nump">190,000,000<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="num">(78,000,000)<span></span>
</td>
<td class="num">(358,000,000)<span></span>
</td>
<td class="nump">354,000,000<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_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Non current assets and disposal groups held for sale 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="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="nump">236,000,000<span></span>
</td>
<td class="nump">100,000,000<span></span>
</td>
<td class="num">(121,000,000)<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="num">(102,000,000)<span></span>
</td>
<td class="num">(24,000,000)<span></span>
</td>
<td class="nump">100,000,000<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="nump">23,000,000<span></span>
</td>
<td class="nump">59,000,000<span></span>
</td>
<td class="num">(143,000,000)<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_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax', window );">Other comprehensive income that will be reclassified to profit or loss, net of tax</a></td>
<td class="num">(493,000,000)<span></span>
</td>
<td class="nump">1,398,000,000<span></span>
</td>
<td class="nump">599,000,000<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="nump">169,000,000<span></span>
</td>
<td class="num">(1,095,000,000)<span></span>
</td>
<td class="num">(1,172,000,000)<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="nump">169,000,000<span></span>
</td>
<td class="num">(1,095,000,000)<span></span>
</td>
<td class="num">(1,172,000,000)<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_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations', window );">Other reclassifications hedge 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="num">(646,000,000)<span></span>
</td>
<td class="nump">1,379,000,000<span></span>
</td>
<td class="nump">3,413,000,000<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="num">(646,000,000)<span></span>
</td>
<td class="nump">1,378,000,000<span></span>
</td>
<td class="nump">3,413,000,000<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="nump">1,000,000<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_OtherReclassificationsForeignCurrencyTranslation', window );">Other Reclassifications Foreign Currency 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">331,000,000<span></span>
</td>
<td class="nump">832,000,000<span></span>
</td>
<td class="nump">72,000,000<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">331,000,000<span></span>
</td>
<td class="nump">832,000,000<span></span>
</td>
<td class="nump">91,000,000<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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(19,000,000)<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_TransferredToInitialCarryingAmountOfHedgedItems', window );">Transferred to initial carrying amount of hedged items</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_OtherReclassificationsCashFlowHedgesEffectivePortion', window );">Other reclassifications cash flow hedges effective portion</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_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome', window );">Other Comprehensive Income Before Tax Debt Instruments At Fair Value With Changes In Other Comprehensive Income</a></td>
<td class="num">(398,000,000)<span></span>
</td>
<td class="nump">752,000,000<span></span>
</td>
<td class="num">(2,498,000,000)<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_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Gains (losses) on remeasuring available-for-sale financial assets, before tax</a></td>
<td class="num">(217,000,000)<span></span>
</td>
<td class="nump">757,000,000<span></span>
</td>
<td class="num">(2,528,000,000)<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_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Reclassification adjustments on financial assets measured at fair value through other comprehensive income, before tax</a></td>
<td class="nump">181,000,000<span></span>
</td>
<td class="nump">5,000,000<span></span>
</td>
<td class="num">(30,000,000)<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_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome', window );">Other reclassifications debt securities at fair value through other comprehensive income</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_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax', window );">Non current assets and disposal groups held for sale that will 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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale', window );">Valuation gains losses taken to equity 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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss', window );">Non current assets held for sale transferred to 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_OtherReclassificationsOfNonCurrentAssetsHeldForSale', window );">Other reclassifications of 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="nump">16,000,000<span></span>
</td>
<td class="nump">12,000,000<span></span>
</td>
<td class="num">(7,000,000)<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">36,000,000<span></span>
</td>
<td class="num">(482,000,000)<span></span>
</td>
<td class="nump">791,000,000<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">10,161,000,000<span></span>
</td>
<td class="nump">9,591,000,000<span></span>
</td>
<td class="nump">7,552,000,000<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">1,108,000,000<span></span>
</td>
<td class="nump">184,000,000<span></span>
</td>
<td class="nump">1,352,000,000<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; 9,053,000,000<span></span>
</td>
<td class="nump">&#8364; 9,407,000,000<span></span>
</td>
<td class="nump">&#8364; 6,200,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held for sale that will 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>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_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillBeReclassifiedToProfitOrLossNetOfTax</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_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held for sale 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>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_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax</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_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held for sale transferred 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_NonCurrentAssetsHeldForSaleTransferredToProfitOrLoss</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_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome</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_OtherReclassificationsCashFlowHedgesEffectivePortion">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_OtherReclassificationsCashFlowHedgesEffectivePortion</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_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome</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_OtherReclassificationsForeignCurrencyTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_OtherReclassificationsForeignCurrencyTranslation</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_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 hedge 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_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations</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_OtherReclassificationsOfNonCurrentAssetsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 of 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_OtherReclassificationsOfNonCurrentAssetsHeldForSale</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_TransferredToInitialCarryingAmountOfHedgedItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transferred to initial carrying amount of hedged 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_TransferredToInitialCarryingAmountOfHedgedItems</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_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Valuation gains losses taken to equity 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_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale</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_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 2024-01-01<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-2024-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 81A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81B_b_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81B_b_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial assets measured at fair value through other comprehensive income applying paragraph 4.1.2A of IFRS 9, before tax, before reclassification adjustments. [Refer: Financial assets measured at fair value through other comprehensive income; 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 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20_a_viii&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax</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 1<br> -IssueDate 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_6.5.13_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2024-01-01<br> -Paragraph 102<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 91<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 91<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<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-2024-en-r&amp;anchor=para_B12_b_viii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 91<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_106_d_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 81A<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_81A_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_20_a_vii&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2024-03-27<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 [domain]; 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/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2024-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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 1<br> -IssueDate 2024-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_6.5.13_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2024-01-01<br> -Paragraph 102<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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, net of 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/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax</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_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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, net of 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/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax</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 2024-01-01<br> -Paragraph 18<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 48<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_48&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial assets measured at fair value through other comprehensive income, 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 measured at fair value through other comprehensive income; 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 2024-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20_a_viii&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax</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 IFRS<br> -Number 9<br> -IssueDate 2024-01-01<br> -Paragraph 6.5.14<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_6.5.14&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2024-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
</tr>
<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 2024-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 2024-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
<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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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_StatementOfComprehensiveIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_StatementOfComprehensiveIncomeAbstract</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td>xbrli:stringItemType</td>
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<td>na</td>
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<td>duration</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360559304608">
<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>
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<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, 2021</a></td>
<td class="nump">&#8364; 48,760<span></span>
</td>
<td class="nump">&#8364; 3,267<span></span>
</td>
<td class="nump">&#8364; 23,599<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 60<span></span>
</td>
<td class="nump">&#8364; 31,841<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="num">&#8364; (1,857)<span></span>
</td>
<td class="num">&#8364; (647)<span></span>
</td>
<td class="nump">&#8364; 4,653<span></span>
</td>
<td class="num">&#8364; (532)<span></span>
</td>
<td class="num">&#8364; (16,476)<span></span>
</td>
<td class="num">&#8364; (8,414)<span></span>
</td>
<td class="nump">&#8364; 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 beginning of period (Opening balance after adjustment, cumulative effect at date of initial application [member]) at Dec. 31, 2021</a></td>
<td class="text">&#160;<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">32,019<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">(16,662)<span></span>
</td>
<td class="num">(8,413)<span></span>
</td>
<td class="nump">13,261<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, 2021</a></td>
<td class="num">(12)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">178<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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">(186)<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="num">(6)<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, 2021</a></td>
<td class="nump">48,748<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_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="ro">
<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">7,552<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">6,358<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(158)<span></span>
</td>
<td class="nump">947<span></span>
</td>
<td class="nump">405<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_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">692<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">(6,935)<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_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="re">
<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="ro">
<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="re">
<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="ro">
<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="re">
<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="ro">
<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="re">
<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="ro">
<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="re">
<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="ro">
<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="re">
<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">2,231<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,712<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="ro">
<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="re">
<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="ro">
<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">1,836<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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">(2,392)<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, 2022</a></td>
<td class="nump">50,615<span></span>
</td>
<td class="nump">2,955<span></span>
</td>
<td class="nump">20,856<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">63<span></span>
</td>
<td class="nump">32,536<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,345<span></span>
</td>
<td class="num">(29)<span></span>
</td>
<td class="nump">6,420<span></span>
</td>
<td class="num">(722)<span></span>
</td>
<td class="num">(17,432)<span></span>
</td>
<td class="num">(3,112)<span></span>
</td>
<td class="nump">6,736<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 (Opening balance after adjustment, cumulative effect at date of initial application [member]) at Dec. 31, 2022</a></td>
<td class="nump">50,517<span></span>
</td>
<td class="nump">2,955<span></span>
</td>
<td class="nump">20,856<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">63<span></span>
</td>
<td class="nump">32,711<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,345<span></span>
</td>
<td class="num">(29)<span></span>
</td>
<td class="nump">6,358<span></span>
</td>
<td class="num">(722)<span></span>
</td>
<td class="num">(17,642)<span></span>
</td>
<td class="num">(3,109)<span></span>
</td>
<td class="nump">6,732<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 (Increase (decrease) due to changes in accounting policy [member]) at Dec. 31, 2022</a></td>
<td class="num">(98)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">175<span></span>
</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">(62)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(210)<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="num">(4)<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">50,517<span></span>
</td>
<td class="nump">2,955<span></span>
</td>
<td class="nump">20,856<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">63<span></span>
</td>
<td class="nump">32,711<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,345<span></span>
</td>
<td class="num">(29)<span></span>
</td>
<td class="nump">6,358<span></span>
</td>
<td class="num">(722)<span></span>
</td>
<td class="num">(17,642)<span></span>
</td>
<td class="num">(3,109)<span></span>
</td>
<td class="nump">6,732<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_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="ro">
<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">9,591<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">8,019<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,388<span></span>
</td>
<td class="num">(213)<span></span>
</td>
<td class="nump">397<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_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized', window );">Changes in equity other than total income or expense recognized</a></td>
<td class="num">(4,842)<span></span>
</td>
<td class="num">(94)<span></span>
</td>
<td class="num">(1,087)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(22)<span></span>
</td>
<td class="nump">3,526<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(331)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(6,358)<span></span>
</td>
<td class="num">(228)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="num">(244)<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_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="re">
<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="ro">
<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="re">
<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="ro">
<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="re">
<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">(94)<span></span>
</td>
<td class="num">(1,087)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(316)<span></span>
</td>
<td class="nump">1,422<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_DividendsPaid', window );">Dividends recognised as distributions to owners</a></td>
<td class="num">(3,071)<span></span>
</td>
<td class="nump">0<span></span>
</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">(1,857)<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">0<span></span>
</td>
<td class="num">(951)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(263)<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_PurchaseOfTreasuryShares', window );">Purchase of treasury shares</a></td>
<td class="num">(2,166)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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">(2,166)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_SaleOrIssueOfTreasuryShares', window );">Sale or issue of treasury shares</a></td>
<td class="nump">741<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<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>
<td class="nump">739<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_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="ro">
<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="re">
<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">2<span></span>
</td>
<td class="nump">5,651<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(6,358)<span></span>
</td>
<td class="nump">722<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="num">(1)<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_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="re">
<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">(41)<span></span>
</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">(41)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Increase (decrease) through other changes, equity</a></td>
<td class="num">(305)<span></span>
</td>
<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="num">(344)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">20<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, 2023</a></td>
<td class="nump">55,265<span></span>
</td>
<td class="nump">2,861<span></span>
</td>
<td class="nump">19,769<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td class="nump">36,237<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,015<span></span>
</td>
<td class="num">(34)<span></span>
</td>
<td class="nump">8,019<span></span>
</td>
<td class="num">(951)<span></span>
</td>
<td class="num">(16,254)<span></span>
</td>
<td class="num">(3,321)<span></span>
</td>
<td class="nump">6,885<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, 2023</a></td>
<td class="nump">55,265<span></span>
</td>
<td class="nump">2,861<span></span>
</td>
<td class="nump">19,769<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td class="nump">36,237<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,015<span></span>
</td>
<td class="num">(34)<span></span>
</td>
<td class="nump">8,019<span></span>
</td>
<td class="num">(951)<span></span>
</td>
<td class="num">(16,254)<span></span>
</td>
<td class="num">(3,321)<span></span>
</td>
<td class="nump">6,885<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_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="ro">
<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">10,161<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">10,054<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,001)<span></span>
</td>
<td class="nump">587<span></span>
</td>
<td class="nump">521<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_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized', window );">Changes in equity other than total income or expense recognized</a></td>
<td class="num">(5,413)<span></span>
</td>
<td class="num">(37)<span></span>
</td>
<td class="num">(585)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">4,457<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(201)<span></span>
</td>
<td class="num">(32)<span></span>
</td>
<td class="num">(8,019)<span></span>
</td>
<td class="num">(717)<span></span>
</td>
<td class="nump">35<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="num">(317)<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_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="re">
<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="ro">
<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="re">
<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="ro">
<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="re">
<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">(37)<span></span>
</td>
<td class="num">(585)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(189)<span></span>
</td>
<td class="nump">781<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_DividendsPaid', window );">Dividends recognised as distributions to owners</a></td>
<td class="num">(4,258)<span></span>
</td>
<td class="nump">0<span></span>
</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">(2,245)<span></span>
</td>
<td class="nump">0<span></span>
</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">(1,668)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(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_PurchaseOfTreasuryShares', window );">Purchase of treasury shares</a></td>
<td class="num">(1,528)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</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">(1,528)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_SaleOrIssueOfTreasuryShares', window );">Sale or issue of treasury shares</a></td>
<td class="nump">725<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">716<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_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="ro">
<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="re">
<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">9<span></span>
</td>
<td class="nump">7,059<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(38)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(8,019)<span></span>
</td>
<td class="nump">951<span></span>
</td>
<td class="nump">35<span></span>
</td>
<td class="nump">4<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_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="re">
<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">(26)<span></span>
</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">(26)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Increase (decrease) through other changes, equity</a></td>
<td class="num">(326)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="num">(386)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<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>
</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, 2024</a></td>
<td class="nump">&#8364; 60,014<span></span>
</td>
<td class="nump">&#8364; 2,824<span></span>
</td>
<td class="nump">&#8364; 19,184<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 40<span></span>
</td>
<td class="nump">&#8364; 40,693<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 1,814<span></span>
</td>
<td class="num">&#8364; (66)<span></span>
</td>
<td class="nump">&#8364; 10,054<span></span>
</td>
<td class="num">&#8364; (1,668)<span></span>
</td>
<td class="num">&#8364; (17,220)<span></span>
</td>
<td class="num">&#8364; (2,730)<span></span>
</td>
<td class="nump">&#8364; 7,089<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 2024-01-01<br> -Paragraph 20<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<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-2024-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 81A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 107<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_107&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 80A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_80A&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 80A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_80A&amp;doctype=Standard<br> -URIDate 2024-03-27<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: Total for all 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 2024-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<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-2024-en-r&amp;anchor=para_106_d_iii&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<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-2024-en-r&amp;anchor=para_106_d_iii&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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">
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td></td>
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<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_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_OpeningBalanceAfterAdjustmentCumulativeEffectAtDateOfInitialApplicationMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></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_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td></td>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R7.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360563637888">
<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="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="num">&#8364; (18,190)<span></span>
</td>
<td class="num">&#8364; (721)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 23,718<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">10,575<span></span>
</td>
<td class="nump">8,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,763<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">14,817<span></span>
</td>
<td class="nump">12,150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11,746<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AdjustmentsForDepreciationAndAmortisationExpense', window );">Adjustments for depreciation and amortisation expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,533<span></span>
</td>
<td class="nump">1,403<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,328<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">13,283<span></span>
</td>
<td class="nump">10,747<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,418<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities', window );">Net increase decrease in operating assets from operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(54,265)<span></span>
</td>
<td class="num">(77,408)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(42,900)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">28,452<span></span>
</td>
<td class="num">(27,884)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">14,658<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Net increase decrease in non trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,813)<span></span>
</td>
<td class="num">(1,288)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(421)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss', window );">Net increase decrease 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">119<span></span>
</td>
<td class="num">(42)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">179<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Net increase decrease 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">(1,124)<span></span>
</td>
<td class="nump">2,512<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,014)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost', 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">(76,759)<span></span>
</td>
<td class="num">(51,182)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(55,754)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(2,140)<span></span>
</td>
<td class="nump">476<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(548)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities', window );">Net increase decrease in operating liabilities from operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(16,314)<span></span>
</td>
<td class="num">(61,473)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(51,343)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="num">(32,695)<span></span>
</td>
<td class="nump">24,435<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,907<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss', 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">2,647<span></span>
</td>
<td class="nump">2,003<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">293<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost', window );">Financial liabilities at amortized cost operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">45,970<span></span>
</td>
<td class="nump">36,127<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">48,161<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">392<span></span>
</td>
<td class="num">(1,092)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(17)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(5,631)<span></span>
</td>
<td class="num">(5,353)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(3,234)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashFlowsFromUsedInInvestingActivitiesContinuingOperations', window );">Cash flows from (used in) investing activities, continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,423)<span></span>
</td>
<td class="num">(1,419)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(3,911)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(2,039)<span></span>
</td>
<td class="num">(1,912)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(4,506)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(1,195)<span></span>
</td>
<td class="num">(1,129)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,812)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(816)<span></span>
</td>
<td class="num">(690)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(630)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(1)<span></span>
</td>
<td class="num">(93)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(81)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(28)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,389)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites', window );">Investment non current assets classified as held for sale and associated liabilites</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">594<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentOtherSettlementsRelatedToInvestingActivities', window );">Investment other settlements 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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">617<span></span>
</td>
<td class="nump">492<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">596<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">104<span></span>
</td>
<td class="nump">92<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">32<span></span>
</td>
<td class="nump">58<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">127<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">73<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">408<span></span>
</td>
<td class="nump">321<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">440<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherCollectionsRelatedToInvestingActivities', window );">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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashFlowsFromUsedInFinancingActivitiesContinuingOperations', window );">Cash flows from (used in) financing activities, continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,567)<span></span>
</td>
<td class="num">(1,842)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(7,563)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PaymentsFromFinancingActivities', window );">Payments from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,773<span></span>
</td>
<td class="nump">7,224<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">7,996<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(3,913)<span></span>
</td>
<td class="num">(2,808)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,185)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(2,599)<span></span>
</td>
<td class="num">(1,629)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,258)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TreasuryStockAmortizationFromFinancingActivities', window );">Treasury stock amortization from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">37<span></span>
</td>
<td class="nump">94<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">313<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TreasuryStockAcquisitionsFromFinancingActivities', window );">Treasury stock acquisitions from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,492<span></span>
</td>
<td class="nump">2,072<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,670<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherPaymentsRelatingToFinancingActivities', window );">Other Outflows Of Cash Classified As Financing Activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(732)<span></span>
</td>
<td class="num">(622)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(571)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CollectionsFromFinancingActivities', window );">Collections from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,205<span></span>
</td>
<td class="nump">5,383<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">434<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">5,514<span></span>
</td>
<td class="nump">4,672<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CollectionsTreasurySharesDisposal', window );">Collections Treasury shares disposal</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">691<span></span>
</td>
<td class="nump">711<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">434<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherItemsRelatingToFinancingActivities', 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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">(2,091)<span></span>
</td>
<td class="num">(357)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(288)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseInCashAndCashEquivalents', 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="num">(24,271)<span></span>
</td>
<td class="num">(4,339)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11,957<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashAndCashEquivalents', window );">Cash and cash equivalents at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">75,416<span></span>
</td>
<td class="nump">79,756<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">67,799<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">51,145<span></span>
</td>
<td class="nump">75,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">79,756<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">8,636<span></span>
</td>
<td class="nump">7,751<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,533<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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>[2]</sup></td>
<td class="nump">35,306<span></span>
</td>
<td class="nump">60,750<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">67,314<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">7,202<span></span>
</td>
<td class="nump">6,916<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">5,909<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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; 51,145<span></span>
</td>
<td class="nump">&#8364; 75,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 79,756<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The variation is mainly due to the evolution of the balances held in the Bank of Spain.</span></div></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_CollectionsFromFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Collections from 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_CollectionsFromFinancingActivities</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_CollectionsTreasurySharesDisposal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Collections Treasury shares 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_CollectionsTreasurySharesDisposal</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_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_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Investment non current assets classified as held for sale and associated 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_InvestmentNonCurrentAssetsClassifiedAsHeldForSaleAndAssociatedLiabilites</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_InvestmentOtherSettlementsRelatedToInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Investment other settlements 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_InvestmentOtherSettlementsRelatedToInvestingActivities</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_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss</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_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 from 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_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities</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_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 from 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_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities</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_OtherCollectionsRelatedToInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_OtherCollectionsRelatedToInvestingActivities</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_OtherItemsRelatingToFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 items relating to 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_OtherItemsRelatingToFinancingActivities</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_OtherPaymentsRelatingToFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 payments relating to 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_OtherPaymentsRelatingToFinancingActivities</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_PaymentsFromFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 from 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_PaymentsFromFinancingActivities</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_TreasuryStockAcquisitionsFromFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury stock acquisitions from 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_TreasuryStockAcquisitionsFromFinancingActivities</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_TreasuryStockAmortizationFromFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury stock amortization from 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_TreasuryStockAmortizationFromFinancingActivities</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_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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 measured at amortised cost to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial assets; Financial assets at amortised cost; 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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost</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_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 measured at fair value through other comprehensive income to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial assets; Financial assets at fair value through other comprehensive income; 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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome</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_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 measured at fair value through profit or loss 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; 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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss</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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdjustmentsForDepreciationAndAmortisationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 and amortisation expense to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Depreciation and amortisation expense; 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 2024-01-01<br> -Paragraph 20<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdjustmentsForDepreciationAndAmortisationExpense</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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 measured at amortised cost to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial liabilities; Financial liabilities at amortised cost; 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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost</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_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 measured at fair value through profit or loss 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; 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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss</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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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: Total for all 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 2024-01-01<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2024-03-27<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_CashFlowsFromUsedInFinancingActivitiesContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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) the entity's financing activities, related to continuing operations. [Refer: Continuing operations, unless line item indicates otherwise [member]; Cash flows from (used in) 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 IFRS<br> -Number 5<br> -IssueDate 2024-01-01<br> -Paragraph 33<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_33_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_CashFlowsFromUsedInFinancingActivitiesContinuingOperations</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_CashFlowsFromUsedInInvestingActivitiesContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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) the entity's investing activities, related to continuing operations. [Refer: Continuing operations, unless line item indicates otherwise [member]; Cash flows from (used in) 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/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2024-01-01<br> -Paragraph 33<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_33_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_CashFlowsFromUsedInInvestingActivitiesContinuingOperations</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, from continuing and discontinued operations. [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 2024-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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: Total for all 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 2024-01-01<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 31<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_31&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 14<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_14_f&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseInCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 cash and cash equivalents after the effect of exchange rate changes on cash and cash equivalents held in foreign currencies. [Refer: Cash and cash equivalents; Effect of exchange rate changes on 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 2024-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseInCashAndCashEquivalents</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_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 2024-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2024-03-27<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: Total for all 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 2024-01-01<br> -Paragraph 16<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_16_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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: Total for all 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 2024-01-01<br> -Paragraph 16<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_16_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 54<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 17<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_17_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
<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_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 2024-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_16_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
</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_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 2024-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_16_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 18<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 16<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_16_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 16<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_16_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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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<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>
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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_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 2024-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<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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<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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<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360558248128">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Statement of financial position [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="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; 188,515<span></span>
</td>
<td class="nump">&#8364; 152,868<span></span>
</td>
<td class="nump">&#8364; 136,920<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_MemorandumFinancialGuaranteesGiven', window );">Financial guarantees given Memorandum</a></td>
<td class="nump">22,503<span></span>
</td>
<td class="nump">18,839<span></span>
</td>
<td class="nump">16,511<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_MemorandumOtherCommitmentsGiven', window );">Memorandum other commitments given</a></td>
<td class="nump">51,215<span></span>
</td>
<td class="nump">42,577<span></span>
</td>
<td class="nump">39,137<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_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Memorandum Item subordinated liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</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_SubordinatedLiabilitiesAtAmortisedCost', window );">Memorandum item subordinated liabilities at amortised cost</a></td>
<td class="nump">&#8364; 19,612<span></span>
</td>
<td class="nump">&#8364; 15,867<span></span>
</td>
<td class="nump">&#8364; 12,509<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MemorandumFinancialGuaranteesGiven">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Memorandum Financial 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_MemorandumFinancialGuaranteesGiven</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>instant</td>
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</table></div>
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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>Memorandum Item subordinated liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</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_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MemorandumLoanCommitmentsGiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 loan commitments 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_MemorandumLoanCommitmentsGiven</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>instant</td>
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</table></div>
</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Memorandum other commitments 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_MemorandumOtherCommitmentsGiven</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_StatementOfFinancialPositionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_StatementOfFinancialPositionAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<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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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SubordinatedLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 are subordinate to other liabilities with respect to claims at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_SubordinatedLiabilitiesAtAmortisedCost</td>
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<td><strong> Data Type:</strong></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>instant</td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570907856">
<tr>
<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>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_ifrs-full_StatementOfCashFlowsAbstract', window );"><strong>Statement of cash flows [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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OfWhichHyperinflationEffectFromOperatingActivities', window );">Of Which Hyperinflation Effect From Operating Activities</a></td>
<td class="nump">&#8364; 2,593<span></span>
</td>
<td class="nump">&#8364; 1,884<span></span>
</td>
<td class="nump">&#8364; 2,692<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_OfWhichHyperinflationEffectFromInvestingActivities', window );">Of Which Hyperinflation Effect From Investing Activities</a></td>
<td class="nump">753<span></span>
</td>
<td class="nump">772<span></span>
</td>
<td class="nump">759<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_OfWhichHyperinflationEffectFromFinancingActivities', window );">Of Which Hyperinflation Effect From Financing Activities</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>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OfWhichHyperinflationEffectFromFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Of Which Hyperinflation Effect From 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_OfWhichHyperinflationEffectFromFinancingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OfWhichHyperinflationEffectFromInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Of Which Hyperinflation Effect From 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_OfWhichHyperinflationEffectFromInvestingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<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_bbva_OfWhichHyperinflationEffectFromOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Of Which Hyperinflation Effect From 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_OfWhichHyperinflationEffectFromOperatingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360539736752">
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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, 2024</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_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract', window );"><strong>Introduction Basis For The Presentation Of The Consolidated Financial Statements Internal Control Of Financial Information And Other Information [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_DisclosureOfIntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationTextBlock', window );">Disclosure of Introduction Basis For The Presentation Of The Consolidated Financial Statements Internal Control Of Financial Information And Other Information [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Introduction, basis for the presentation of the Consolidated Financial Statements, Internal Control over Financial Reporting and other information </span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Introduction</span><div style="margin-bottom:10pt;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;), registered with the Company Register of Vizcaya, 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). 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. 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.</span></div><div style="margin-bottom:10pt;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, 2024, in addition to the Bank, the BBVA Group had 174 consolidated entities and 39 entities accounted for using the equity method (see Notes 3 and 16 and Appendices I to IV).</span></div><div style="margin-bottom:10pt;margin-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, 2024, were authorized for issue on February 21, 2025.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Basis for the presentation of the Consolidated Financial Statements</span><div style="margin-bottom:10pt;margin-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 (hereinafter &#8220;IASB&#8221;)), as well as in accordance with the International Financial Reporting Standards endorsed by the European Union (EU-IFRS) applicable as of December 31, 2024, 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, 2024 were prepared by the Group&#8217;s Directors (through the Board of Directors meeting held on February 11, 2025) 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, 2024, together with the consolidated results of its operations and cash flows generated during the year ended December 31, 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%">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 applicable 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Comparative information</span><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 "Insurance Contracts"</span></div>IFRS 17 superseded IFRS 4 for the recognition, measurement, presentation and disclosure of insurance contracts. The initial application date of IFRS 17 was January 1, 2023, and it has been applied to the years ended December 31, 2024 and 2023, with a transition date of January 1, 2022. The impact of these retrospective adjustments was not significant for the consolidated financial statements of the BBVA Group.<span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Seasonal nature of income and expense</span><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Responsibility for the information and for the estimates made</span><div style="margin-bottom:10pt;margin-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 in the valuation of insurance and reinsurance contracts (see Note 23) to quantify certain provisions (see Note 24) and the 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 and impairment losses of non-current assets held for sale (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 and the forecast for corporate income tax (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%">In general, the BBVA Group is working to consider and include how climate risk and other climate-related matters can affect the consolidated financial statements, cash flows and financial performance of the Group within the models used for calculating certain relevant estimations. These estimates and judgments are being considered when preparing the financial statements of the BBVA Group and, where relevant, they are mentioned in the corresponding Notes to 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%">The prevailing geopolitical and economic uncertainties (see Note 7.1) entail a greater complexity in developing reliable estimations and applying judgment. Estimates have been made on the basis of the best available information on the matters analyzed as of December 31, 2024. However, it is possible that events may take place subsequent to such date, 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 2024 there have been no significant changes in the estimates made as of December 31, 2023 and 2022, other than those indicated in these Consolidated Financial Statements.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">BBVA Group&#8217;s Internal Control over Financial Reporting</span><div style="margin-bottom:10pt;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 (hereinafter "ICFR") model. 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 that may arise and the controls that mitigate them. This control system is subject to a continuous evaluation coordinated 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 ensure 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. Among its main functions is the definition and coordination of 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, Technology, Third Party, Compliance or Processes). This second line defines the mitigation and control frameworks for the risks in their areas of responsibility across the entire organization and also challenges the functioning of 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 internal 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 Group's 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 different RCAs and RCSs control units, coordinated by Internal Financial Control (RCS Finance), follow 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:justify"><img alt="Captura de pantalla 2024-12-16 134144.jpg" src="bbva-20241231_g2.jpg" style="height:246px;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 includes both the controls related to the financial information generation processes, as well as those of a broader scope, designed to improve the Group's general control environment (ELC or Entity Level Control). Both types of controls are assessed on a regular basis by the Control areas and by the Group's Internal Audit unit. The result of their evaluation is reported to 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 ("SOX") for the preparation of the Consolidated Financial Statements, as a company with securities registered with the U.S. Securities and Exchange Commission ("SEC"). 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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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Introduction Basis For The Presentation Of The Consolidated Financial Statements Internal Control Of Financial Information And Other Information</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571061216">
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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, 2024</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"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt">Principles of consolidation, accounting policies and measurement bases applied and recent IFRS pronouncements</span><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Principles of consolidation</span><div style="margin-bottom:10pt;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, the Financial Statements of the BBVA Group are comprised 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). </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%">Generally, there is a presumption that a majority of voting rights gives rise to control. When the Group holds less than the majority of the voting rights or similar rights in an entity, the Group considers all relevant facts and circumstances in assessing whether it has control over the entity, including: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:17.86pt"><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:15.34pt">Contractual arrangements with other holders of voting rights.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:17.86pt"><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:15.34pt">The rights arising from other contractual arrangements.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:17.86pt"><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:15.34pt">The Group's voting rights and potential voting rights. </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%">There are certain entities that, although the Group holds less than 50% of the voting rights in them, are considered to be subsidiaries because the Group has the ability to exercise control over them (see Appendix I).</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%">The financial statements of the subsidiaries are fully consolidated with those of the Bank through the full consolidation method, which consists of the aggregation of assets, liabilities and equity, income and expenses, of a similar nature, shown in their individual financial statements. Intragroup assets and liabilities, equity, income and expenses and cash flows related to intragroup transactions are eliminated in 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%">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 interests (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, 2024, 2023 and 2022. Appendix I includes other significant information on such 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="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%">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 the main joint ventures accounted for using the equity method as of December 31, 2024.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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, see Glossary), but not control or joint control. 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%">The Group evaluates the existence of significant influence, not only based on the voting rights but also qualitative factors such as presence on the board of directors, participation in decision-making processes, exchange of management personnel, as well as access to technical information. Regarding joint agreements, in addition to evaluating the rights and obligations of the parties thereto, other facts and circumstances are considered to determine whether an agreement is a joint venture or a joint operation. When the sale or contribution of a controlled business to an associate or joint venture occurs, the Group recognizes any retained interest at fair value. The difference between the book value of the business contributed and the fair value of the retained investment plus the corresponding disposal is fully recognized in the income statement.</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 are classified as &#8220;Non-trading financial assets mandatorily at fair value through profit or loss&#8221; (see Note 11) or "Financial assets at fair value through other comprehensive income" (see Note 13).</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, 2024, 2023 and 2022, 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%">Associates are valued for by the equity method. These entities are initially recognized at cost and subsequently adjusted according to the changes in the Group's share of the net assets of such entities after their acquisition (see Note 16). The Group's income statement reflects the proportion of the results generated by associates in the line "Results of entities accounted for using the equity method". The main figures of the most significant entities are shown in Appendix II.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 (see Glossary) 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.</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:71.43pt;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). </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 BBVA Group maintains the decision-making power over the relevant activities of these structured entities subject to consolidation and provides financial support through contracts, as is standard in the securitization market. </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 most common ones are investment positions in equity tranches of notes; 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 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, 2024, 2023 and 2022 there was no material financial support from the Bank or its subsidiaries to 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 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 will be adjusted to take into account the most significant transactions. As of December 31, 2024, financial statements as of December 31 of all Group entities were utilized except in the case of the consolidated financial statements of nine non-significant entities for which financial statements as of November 30, 2024 were used.</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%">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%">A business combination is a transaction, or any other deal, by which the Group obtains control over one or more businesses, accounting 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 accounted for. 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%">The acquirer shall recognize an asset in the consolidated balance sheet under the heading &#8220;Intangible assets - Goodwill&#8221; (see Note 2.2.7) 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 paid, the amount of all the minority interests and the fair value of the 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 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%">Minority 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 minority interests may be elected in each business combination. BBVA Group has always elected the second method.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Accounting principles and policies and applied valuation methods</span><div style="margin-bottom:10pt;margin-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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Financial instruments</span><div style="margin-bottom:10pt;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 1, 2018, IFRS 9 came into force, replacing IAS 39 regarding the classification and measurement of financial assets and liabilities, credit impairment and hedge accounting. At that time, the Group chose to continue applying IAS 39 for hedge accounting, as permitted by IFRS 9. However, the Group has determined to apply the requirements of IFRS 9 to hedge accounting from January 1, 2025. This change in accounting policy applicable to hedging relationships had no significant impact on the Group's consolidated financial statements as of the date of its implementation.</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%">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 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 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;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;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%">In the specific case of loans granted by the BBVA Group where the financial remuneration is linked to the compliance with certain environmental, social and governance (hereinafter "ESG") conditions and criteria, the Group considers that the impact of compliance with the ESG criteria on the interest rate applied to the transactions is very limited and, therefore, meets the condition that it has a minimal effect on cash flows. Therefore, the existence of these ESG-linked clauses would not entail non-compliance with the aforementioned SPP 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="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%">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="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%">&#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 to generate short-term results. The financial assets recorded in the heading &#8220;Non-trading financial assets mandatorily at fair value through profit or loss" either have contractual cash flows that do not met the conditions of the SPPI test, or are not covered by a business model whose objective is either (i) to hold financial assets to collect contractual cash flows or (ii) achieved by collecting contractual cash flows and selling financial assets. Financial assets are classified in &#8220;Financial assets designated at fair value through profit or loss&#8221; only if such classification 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="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%">"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="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%">&#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="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%">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; 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">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="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%">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="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%">&#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.</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%">&#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="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%">&#8220;Hybrid financial liabilities&#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%">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="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%">&#8220;Derivatives &#8211; 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 hedging 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%">In some hedging relationships, the Group additionally designates inflation risk as a contractually specified component in a debt instrument (for example, inflation-referenced 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%">Hedge 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="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%">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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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 </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Stage</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> 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 (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">stage</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> 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%">The definition of impaired asset under IFRS 9 is currently aligned with that of default used by the Group both for internal credit risk management and for regulatory purposes, in accordance with the definitions established in the European Banking Authority (hereinafter "EBA") Guidelines and in Article 178 of Regulation (EU) No 575/2013 (CRR). This alignment facilitates the integration of both definitions in credit risk management, giving coherence and consistency in 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%">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, 2024, 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%.</span></div><div style="margin-bottom:10pt;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="margin-bottom:10pt;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 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, 2024, 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 to contracts with a current annualized probability of default (PD) of less than 0.3%. 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="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%">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="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%">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 geographical areas in which the Group operates are the Gross Domestic Product (hereinafter "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:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Transfers and derecognition of financial assets and liabilities </span><div style="margin-bottom:10pt;margin-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.</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%">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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Financial guarantees</span><div style="margin-bottom:10pt;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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Tangible Assets</span><div style="margin-bottom: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%">Tangible assets are classified according to their nature:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt">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 Group and that it expects to hold for more than one year. It also includes tangible assets received by the Group in full or partial settlement of receivables from third parties which are expected to be held for continuing use.</span></div><div style="padding-left:43.08pt;text-align:justify;text-indent:-18pt"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8211;</span><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%;padding-left:12.44pt">Investment properties&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Includes the value of land, buildings and other structures that are held either for rental or for capital gain on sale, and which are not expected to be used in the ordinary course of business and are not intended for own use. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt">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%">Includes assets for which the Group has granted the right of use to another company through an operating lease 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 general, and as an accounting policy option, tangible assets are recorded in the balance sheets under the cost model, i.e., at acquisition cost, less the related accumulated depreciation and, if applicable, the estimated impairment losses resulting from comparing the net book value of each item with its corresponding recoverable value (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 Group uses the straight-line method to calculate depreciation over the estimated useful life of the asset. The depreciation charge for tangible assets is recorded under "Depreciation and amortization" in the income statement (see Note 45) and is the result of using the following depreciation rates:</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%">General 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%">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><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;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><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><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 analyzes whether there are indicators that a tangible asset may be impaired and, if any, adjusts the carrying amount to its recoverable amount, modifying future depreciation charges in accordance with its revised remaining useful life. Similarly, if there is indication that the value of a tangible asset that was previously impaired has been recovered, the Group estimates the recoverable amount of the asset and recognizes in the income statement the reversal of the impairment loss recognized in previous years and thus, adjusts the future depreciation charges. Any impairment or reversal of impairment will be recognized with the offsetting entry recorded to the heading &#8220;Impairment or reversal of impairment of non-financial assets - Intangible assets&#8221; of the consolidated income statement (see Note 49).</span></div><div style="margin-bottom:10pt;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 (hereinafter, "CGUs") to which they belong. The corresponding impairment analyses are performed for these CGUs to determine whether sufficient cash flows are generated to support the value of the assets comprised therein.</span></div><div style="margin-bottom:10pt;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 expenses relating to tangible assets for own use are recognized in the year in which they are incurred under "Administrative expenses - Property, plant and equipment" in the income statement (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%">Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is adjusted, at each balance sheet date, to show variations in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Leases</span><div style="margin-bottom:10pt;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, the Group will record assets and liabilities for lease contracts by recording a right of use (right to use the leased asset) under ''Tangible assets - Property, plant and equipment'' and ''Tangible assets - Investment property'' (see Note 17), and a lease liability (its obligation to make lease payments) under ''Financial liabilities at amortized cost - Other financial liabilities'' (see Note 22.5). The BBVA Group applies two exceptions in the case of short-term leases and leases whose underlying asset is of low value. In these cases, lease payments are recognized under "Other operating expense" (see Note 42) in the consolidated income statement over the term of the 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%">At the initial date of the lease, the lease liability is equal to the present value of all lease unpaid payments. Subsequently, it is valued at amortized cost.</span></div><div style="margin-bottom:10pt;margin-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 is initially recorded at cost and is subsequently reduced by accumulated amortization and accumulated impairment. The Group has decided to calculate depreciation using the straight-line method. Depreciation of tangible assets is recorded under "Depreciation and amortization" in the consolidated statement of income (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%">The interest expense on the lease liability is recorded 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%">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%">On the other hand, when the Group acts as a lessor, it classifies leases as finance or 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%">In finance leases, the sum of the present values of the amounts received plus the guaranteed residual value is recorded as financing provided to third parties and is included under "Financial assets at amortized cost" in the consolidated balance sheet (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%">In operating leases, the acquisition cost of the leased assets is presented under "Tangible assets - Property, plant and equipment - Assigned under operating leases" in the consolidated balance sheet (see Note 17). These assets are depreciated in accordance with the policies adopted for similar tangible assets for own use and the income and expenses arising from the lease contracts are recognized in the consolidated income statement on a straight-line basis under "Other operating income" and "Other operating expense", respectively (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><div style="margin-bottom:10pt;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 those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale </span><div style="margin-bottom:10pt;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 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, it includes assets that were expected to be disposed of within one year, but for which disposal there is a delay caused by events and circumstances beyond the Group's control, and there is sufficient evidence that the Group remains committed to its plan for sale (see Note 21), in particular, regarding real estate assets or other assets received to cancel, in whole or in part, the payment obligations of debtors for credit operations. These assets are not amortized as long as they remain in this 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%">With respect to valuation, in general, foreclosed real estate assets or assets received in payment of debts are recognized both at the date of acquisition and subsequently, at the lower of their fair value less estimated costs to sell and their carrying amount, with the possibility of recognizing an impairment or reversal of impairment for the difference, if applicable. When the amount of the sale less estimated costs to sell exceeds the carrying amount, the gain is not recognized until the time of disposal and derecognition.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The applicable carrying value of the financial asset is updated at the time of foreclosure, treating the foreclosed property as collateral and taking into account the corresponding credit risk hedges at the time prior to delivery. The fair value of foreclosed assets is based mainly on appraisals or valuations performed by independent experts with a maximum age of one year, or less if there are indications of impairment; in addition, by appraisal, the need to apply a discount on the asset based on its specific conditions or market conditions for such type of assets is evaluated and, in any case, the entity&#8217;s estimated sale costs are deducted.</span></div><div style="margin-bottom:10pt;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/losses on disposal of these assets and impairment losses are recognized under "Gains (losses) on non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations" in the consolidated income statement (see Note 50). Other income and expenses are classified in the income statement items 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%">The income and expenses of discontinued operations generated in the year, even if they were generated prior to their classification as discontinued operations, are presented, net of the tax effect, as a single amount under "Profit (loss) after tax from discontinued operations" in the consolidated income statement. This caption also includes the results obtained on disposal (net of the 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%">Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of assets is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Intangible assets</span><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">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 the advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.</span></div><div style="margin-bottom:10pt;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 allocated to one or more cash-generating units (CGUs) that are expected to be the beneficiaries of the synergies derived from the business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows for the Group. Goodwill is not amortized and is periodically tested for impairment (see Note 18), comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, 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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment 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%">Impairment losses on goodwill are recorded under "Impairment or reversal of impairment of non-financial assets - Intangible assets" (see Note 49). </span></div><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">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 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 indefinite useful lives are not amortized but are tested for impairment at least 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%">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. Finite useful life intangible assets consist mainly of IT applications acquisition costs which have a useful life, in general, of 5 years. Internally developed software is recognized as an intangible asset when, among other requirements, it has the capacity to be used or sold, it is identifiable and its capacity to generate economic benefits in the future can be demonstrated. The amortization charge of these assets is 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%">Any impairment losses on the carrying amount of these assets will be recognized under 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.</span></div><div style="margin-bottom:10pt;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 those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Insurance and reinsurance contracts</span><div style="margin-bottom:10pt;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 superseded IFRS 4 as the accounting standard applicable to the recognition, measurement and presentation of contracts that transfer significant insurance risk. The initial application date of IFRS 17 by the BBVA Group was January 1, 2023 and it has been applied to the year ended December 31, 2023, with a transition date of January 1, 2022. In order to make the information as of and for the year ended December 31, 2022 comparable with the information as of and for the years ended December 31, 2024 and 2023, the balance sheet as of December 31, 2022 and the income statement for the year ended December 31, 2022 were restated.</span></div><div style="margin-bottom:10pt;margin-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 value of reinsurance covers in respect of the insurance liabilities recognized by the consolidated 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 liabilities recognized due to insurance contracts recorded by the consolidated subsidiaries in accordance with IFRS 17 (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:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Definition, grouping and classification</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%">The Group evaluates whether a significant insurance risk from a third party is being accepted in its contracts, when agreeing to compensate the policyholder if a specified uncertain future event adversely affects the policyholder. Thus, it identifies those insurance contracts that fall within IFRS 17. This evaluation was already carried out by the Group under IFRS 4 for the classification of its contracts between insurance contracts and 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%">The BBVA Group groups insurance contracts considering the following aspects:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Whether they are subject to similar risks and are managed jointly, separating as well direct insurance and 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">Their profitability or onerousness (in general, the Group classifies contracts by their profitability into two groups: onerous contracts, and non-onerous contracts or contracts without a significant possibility of becoming onerous</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">1</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">).</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Their year of issuance or cohort, grouping by this last criterion the contracts issued in the calendar year, i.e., between January 1 and December 31 of each year.</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%">Since the Group chose the fair value transition approach, for long-term contracts (mainly life-risk and life-saving insurance) issued prior to the transition date of January 1, 2022, it has not been necessary to aggregate the contracts by previous cohorts. For contracts issued after the transition date, the Group classifies them by year of issuance, and therefore, the Group has not accepted the exception provided for in the adoption of the standard by the European Union on annual cohorts in products with matched cash flows</span><span style="background-color:#ffffff;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">2</span><span style="background-color:#ffffff;color:#000000;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="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group has applied the analysis on the separation of non-insurance components only to insurance contracts falling under the scope of IFRS 17, with the entities identifying within their portfolios the existence of non-insurance components, and concluding based on expert judgment whether or not they need to separate them. In the case of non-separable investment components, they are included in the asset or liability, as appropriate, but are excluded from insurance income or expenses in the income statement.</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%">The initial recognition date has been established as the earliest of: the beginning of the coverage period of the group of contracts, the date when the first payment from an insurance policyholder in the group became due, or in the case of a group of onerous contracts, when the group becomes onerous. From that date, the insurance and reinsurance contracts have been reflected in the consolidated financial statements and valued in accordance with the provisions of IFRS 17.</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%">The Group derecognizes insurance contracts when the contract expires, that is, upon expiration of the contract or upon settlement of all the benefits of the contract or upon its cancellation; or when a modification is made to the terms of the contract that gives rise to derecognition.</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%">Valuation methods</span></div><div style="margin-bottom:10pt;margin-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 carries out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, applying the General Model (Building Block Approach) by default to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Fee Approach</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',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 General Model requires that insurance contracts be initially valued 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">fulfillment cash flows, which comprise the estimation of future cash flows discounted to reflect the time value of money, the financial risk associated, 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">and the contractual service margin (CSM), which represents the expected unearned profit from 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%">Subsequently, the amount recognized in the consolidated balance sheet for each group of insurance contracts measured under this model comprises the liability for remaining coverage, which includes the aforementioned fulfillment cash flows and the contractual service margin, and the liability for incurred claims, which includes the cash flows from related to claims that have occurred, but have not been paid, 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 by the uncertainty associated with the amount and timing of the expected cash flows. The Group uses the General Model for the valuation of liabilities under insurance and reinsurance contracts that correspond to long-term commitments, a portfolio that represents the majority of what is recorded in 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%">The Group used the Simplified Model in the valuation of the liability for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year but which are not expected to have a valuation significantly different from that of the General Model. Under this Simplified Model, the liability for remaining coverage is made up of the premiums received (collected), less the cash flows for the acquisition of the insurance paid, plus or minus the premiums or expected acquisition cash flows recorded in the income statement, respectively. The income statement recording is carried out on a linear basis throughout the coverage period of the contract, in the event that the accrual of income is also accrued. By default, the Group has chosen to defer acquisition expenses, although there is an option to recognize such expenses when they are incurred. In turn, the groups of contracts valued under this model have a liability for incurred claims calculated in a manner similar to that of the General Model. The Group has valued direct insurance contracts whose coverage period is less than one year, using the Simplified Model, the same method used for the valuation of assets for the reinsurance ceded. This model has also been used by the Group when the valuation under this Simplified Model does not differ significantly from that which would be produced by applying the General 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 amount of the contracts valued following the Variable Fee Approach is residual 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 BBVA Group has defined and identified for each group of contracts the hedging units to be used for the release to profit or loss of the contractual service margin, in accordance with IFRS 17, and subsequent interpretations issued by the Transition Resource Group for IFRS 17 and the IFRIC. The adjustments made to the contractual service margin in the subsequent measurement are those established in paragraph 44 of 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%">Furthermore, the Group has chosen the accounting policy option of not changing the treatment of accounting estimates made in previous interim closings.</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%">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%">The methodology used to obtain the discount rate differs according to the entity and portfolio to which it is applied, highlighting mainly the cases of the companies in Spain and Mexico, where the Group has greater presence (see Note 23). In the first case, the top-down approach has been mainly applied and it has been verified that the Internal Rate of Return (hereinafter &#8220;IRR&#8221;) of the entity&#8217;s asset portfolio converges with the IRR of a reference portfolio from which the European Insurance and Occupational Pensions Authority (hereinafter &#8220;EIOPA&#8221;) fundamental spread is discounted for. In the second case, the top-down approach has been used for immunized portfolios (see Glossary), eliminating the spread 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 rate. </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 adjustment for non-financial 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 risk adjustment for non-financial risk represents the compensation required for bearing uncertainty about the amount and timing of the associated cash flows. To estimate the non-financial risk adjustment, the Group has used its own methodologies based on calculations of the Value at Risk (VaR) of the commitments associated with the Life and Non-Life businesses, using in the case of Spain a confidence level of 80% and in the case of Mexico 70%.</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%">Onerosity</span></div><div style="margin-bottom:10pt;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 insurance contract is onerous at the date of initial recognition if the fulfilment cash flows allocated to the contract, any previously recognized insurance acquisition cash flows and any cash flows arising from the contract at the date of initial recognition in total are a net outflow.</span></div><div style="margin-bottom:10pt;margin-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 classified the contracts valued under the General Model into onerous groups, considering the fulfillment cash flows, acquisition expenses and any other attributable cash flow. The evaluation is carried out, in general terms, contract by contract, except in those cases where it is possible to group into sets of homogeneous 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%">Contracts valued under the Simplified Model, by default, are assumed to be non-onerous at their initial recognition, unless there are facts and circumstances that indicate otherwise, where the Group relies on information from existing internal reports (ratios and indicators) for monitoring business performance, adjusted to the criteria of IFRS 17, as well as market evolution expectations based on expert judgment. The granularity to carry out this evaluation may be the same as that used to monitor the business through the abovementioned internal reports.</span></div><div style="margin-bottom:10pt;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 same way as the contractual service margin represents the estimated future benefit of the insurance contract, the loss component is the estimated loss of the onerous contract. The accounting record of these two concepts has a different temporality:</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',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-weight:400;line-height:130%">while the margin is deferred throughout the duration of the contract according to the contractual limits, the loss component is recognized in the income statement as soon as it is known, which will result in the carrying amount of the group's liability being equal to the fulfilment cash flows and the group's contractual service margin being equal to zero.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Throughout the life of a contract, the assumptions used to project future cash flows may change and, consequently, the expected return on a contract may increase or decrease. This means that a group of contracts initially classified as onerous may become more onerous, or on the contrary, in the subsequent measurement the assumptions used to estimate the cash flows may change so much that the previously recognized loss could be reversed.</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%">Reinsurance</span></div><div style="margin-bottom:10pt;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, the Group values reinsurance covers under the Simplified Model, valuing the asset for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year, but which are not expected to produce a valuation significantly different from that of the General Model. This method also includes the asset for incurred claims.</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%">Effect on results</span></div><div style="margin-bottom:10pt;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, for the presentation of the financial income or expenses from insurance contracts that arise as a result of the change in the discount rate, both due to the effect of the time value of money as well as the effect of financial risk, the Group has chosen the accounting policy option of disaggregating these financial income or expenses from insurance contracts between recording them in the "Net interest income" and in "Accumulated other comprehensive income (loss)", in order to minimize accounting asymmetries in the valuation and recognition of financial investments under IFRS 9 and insurance contracts under 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 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 income or expense from insurance contracts. Insurance revenue is recognized over the period the entity provides insurance coverage, excluding any investment component.</span></div><div style="margin-bottom:10pt;margin-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 component, in the case of onerous contracts, corresponds to the losses attributable to each group of contracts, both at initial recognition and at a later time.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Tax assets and liabilities</span><div style="margin-bottom:10pt;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 as an expense for the period 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, the carryforward of unused tax losses and carryforward of unused tax credits 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 only 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 if it is necessary to make adjustments 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Provisions, contingent assets and contingent liabilities</span><div style="margin-bottom:10pt;margin-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 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 2.2.13, 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><div style="margin-bottom:10pt;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 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 (see Note 34).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Treasury shares</span><div style="margin-bottom:10pt;margin-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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt">Equity-settled share-based payment transactions</span><div style="margin-bottom:10pt;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:120%">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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Pensions and other post-employment commitments </span><div style="margin-bottom:10pt;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 Group 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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; 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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; 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, 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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Termination benefits</span><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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. </span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Recognition of income and expense</span><div style="margin-bottom:10pt;margin-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 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 be added to 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 be added to 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%">In the event that a debt instrument is considered impaired, interest income will be calculated by applying the effective interest rate to the amortized cost (that is, adjusting for any impairment loss) of the financial 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 be added to 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 at the time the right to receive them arises, which is the time of the official announcement of receipt of the payment by the appropriate governing body of the entity. 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-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 commissions collected/paid:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial fees are an integral part of the actual performance of a financing transaction and are collected in advance. They can be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Fees charged for the origination or acquisition of financing transactions that are not measured at fair value through profit or loss, such as those charged for the evaluation of the borrower's financial condition, for the analysis and recording of various collateral, as well as those charged for negotiating the terms of transactions or preparing and processing documentation and the closing of transactions, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. These fees, forming part of the effective rate of the loans, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Fees agreed as compensation for the commitment to grant financing when it is not measured at fair value through profit or loss and it is probable that the Group will enter into a specific loan agreement, are deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. If the commitment expires before the entity makes the loan such fee is recognized as revenue at the time of expiration.</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%">Non-financial commissions derived from the provision of financial services other than financing transactions may be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Related to the performance of a service rendered over time (e.g. account administration fees or fees collected in advance for the issuance or renewal of credit cards), in which case they are recognized over time based on the degree of progress in providing the service.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Related to the performance of a service rendered at a specific time (e.g. underwriting of securities, currency exchange, advice or syndication of a loan), in which they are recognized in the income statement at the time of collection.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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%">As a general rule, they are recognized on an accrual basis, that is, as the contractually committed goods or services are delivered or rendered and recognized as revenue over the life of the contract.</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 the event that consideration is received or there is a right to receive consideration without delivery of the contractually committed goods or services, a liability is recognized in the balance sheet until it is recognized in the income statement. </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 the case of collections and payments deferred over time, they are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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">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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Sales of assets and income from the provision of non-financial services</span><div style="margin-bottom:10pt;margin-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;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).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Foreign-currency transactions and exchange differences</span><div style="margin-bottom:10pt;margin-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 2.2.18). 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 (see 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" (see 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 2.2.18). 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, 2024, 2023 and 2022, 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 2.2.18).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Entities and branches located in countries with hyperinflationary economies</span><div style="margin-bottom:10pt;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 2022, 2018 and 2009, the economies of Turkey, Argentina and Venezuela, 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 geographical areas have 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%">As a consequence of the application of IAS 29 "Financial Reporting in Hyperinflationary Economies", the Group applies the following criteria in the financial statements of the Group companies that operate in these three geographical areas:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 21), 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 with "Accumulated other comprehensive income (loss)" as counterparty.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Consequently, 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 "Effects of Changes in Foreign Exchange Rates".</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%">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;1,742 million in 2024, of which &#8364;1,498 million is attributable to owners of the parent (&#8364;2,242 and &#8364;1,793 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;1,512 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement (&#8364;2,118 and &#8364;2,323 million in 2023 and 2022, respectively), and it was partially offset by the positive impact of the revaluation of certain bonds linked to inflation, for a gross amount of &#8364;1,164 million (&#8364;1,202 and &#8364;1,490 million in 2023 and 2022, respectively), given that, under IAS 29 "Financial Reporting in Hyperinflationary Economies", 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%">In addition, during 2024 the impact on equity of Group entities located in Turkey derived from the application of IAS 29 and the conversion to the euro (IAS 21) amounted to &#8364;1,253 million (&#8364;-355 million in 2023), of which &#8364;1,072 million (&#8364;-306 million in 2023) have been recorded within &#8220;Equity &#8211; Accumulated other comprehensive income (loss)&#8221;, and &#8364;181 million (&#8364;-49 million in 2023) have been recorded within &#8220;Minority interests &#8211; Accumulated other comprehensive income (loss)&#8221;, respectively (see Notes 30 and 31). In 2022 the impact on equity of Group entities located in Turkey derived from the retrospective application of IAS 29 "Financial Reporting in Hyperinflationary Economies" since January 1, 2022, in the Turkish subsidiaries was an increase in equity of &#8364;130 million, 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 2024 stood at 44.4% (64.8% and 64.3% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 36.74 Turkish lira per euro (32.65 and 19.96 in 2023 and 2022, 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:130%">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 combined result derived from the application of the above criteria amounted to a loss of &#8364;1,208 million, of which &#8364;810 million is attributable to owners of the parent in 2024 (&#8364;1,574 and &#8364;694 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;1,419 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2024 (&#8364;1,062 million and &#8364;822 million in 2023 and 2022, 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 2024, 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;1,115 million (&#8364;-634 million and &#8364;242 million in 2023 and 2022, respectively) of which &#8364;745 million (&#8364;-428 million and &#8364;157 million in 2023 and 2022, respectively) have been recorded within &#8220;Equity &#8211; Accumulated other comprehensive income (loss)&#8221;, and &#8364;370 million (&#8364;-206 million and &#8364;84 million in 2023 and 2022, respectively) have been recorded within &#8220;Minority interests &#8211; Accumulated other comprehensive income (loss)&#8221; (see Notes 30 and 31).</span></div><div style="margin-bottom:10pt;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 2024 was 118% (215% and 97% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 1,072.66 Argentine pesos per euro (892.81 and 188.51 in 2023 and 2022, 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: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%">The combined result derived from the application of the above criteria amounted to a loss of &#8364;36 million, of which &#8364;20 million is attributable to owners of the parent in 2024 (&#8364;10 million and &#8364;6 million attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;42 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2024 (&#8364;28 million in each of 2023 and 2022).</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%">During 2024, 2023 and 2022 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 2024, as estimated by BBVA Research, was 69% (111% and 292% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 68.83 Venezuelan bolivars per euro (43.23 and 19.79 in 2023 and 2022, respectively). </span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Recent IFRS pronouncements </span><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%">Standards and interpretations that became effective in 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%">In 2024, various amendments to the IFRS standards or their interpretations or modifications (hereinafter &#8220;IFRIC&#8221; or "interpretation") became effective, among which the following should be highlighted:</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:130%">The IASB has issued an amendment to IFRS 16 that clarifies the requirements for sale-and-leaseback transactions. According to the new requirements, the seller-lessee shall determine &#8216;lease payments&#8217; or &#8216;revised lease payments&#8217; in such a way that the seller-lessee does not recognize any amount of the gain or loss that relates to the right of use retained by the seller-lessee. On the other hand, the new requirements do not prevent a seller-lessee from recognizing in its results any gain or loss related to the partial or total termination of a lease. The amendments became effective on January 1, 2024. The standard has not had any significant impact on the consolidated financial statements of the BBVA Group.</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%">Standards and interpretations issued but not yet effective as of December 31, 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 following new IFRS standards and Interpretations or Modifications had been published at the date of preparation of the Consolidated Financial Statements, but were not mandatory as of December 31, 2024. The Group is currently evaluating the potential effects of each of these new standards or amendments. Although in some cases the IASB allows early adoption of new standards, interpretations and amendments before their effective date, the BBVA Group has not proceeded with this option for any such changes.</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 IAS 21: "The Effects of Changes in Foreign 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%">On August 15, 2023, the IASB issued a series of amendments to IAS 21 - The effects of changes in foreign exchange rates. The standard has a double objective, on the one hand to provide guidance on when one currency is convertible into another and, on the other hand, how to determine the exchange rate to be used in accounting when it is concluded that such convertibility does not 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%">In relation to the first objective, one currency is convertible into another when an entity can obtain the other currency within a time frame that allows for a normal administrative delay; and through markets or exchange mechanisms in which an exchange transaction creates enforceable rights and obligations. If the entity determines that there is no convertibility between currencies, it must estimate an exchange rate. The standard does not establish a specific estimation technique for such exchange rates, but rather establishes guidelines for their determination, allowing the use of an observable type without adjusting or using an estimation technique.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The modification to the standard will come into force on January 1, 2025. Early application is permitted, although the BBVA Group has not adopted it as of December 31, 2024.</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 18 "Presentation and Disclosures in 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 April 9, 2024, the IASB issued IFRS 18 "Presentation and Disclosures in Financial Statements" which introduces new requirements to improve the quality of information presented in financial statements and to promote analysis, transparency and comparability of companies' performance.</span></div><div style="margin-bottom:10pt;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, IFRS 18 introduces three predefined expense categories (operating, investing and financing) and two subtotals ("operating profit" and "profit before financing and income taxes") to provide a consistent structure in the income statement and facilitate the analysis of the income statement. Additionally, it introduces disclosure requirements for management-defined performance measures (MPM). Finally, it establishes requirements and provides guidance on aggregation/disaggregation of the information to be provided in the primary 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%">This new standard will come into force on January 1, 2027, with early application permitted once it is adopted by the European Union.</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 19 "Subsidiaries without Public Accountability: Disclosures" </span></div><div style="margin-bottom:10pt;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 9, 2024, the IASB issued IFRS 19 "Subsidiaries without Public Accountability: Disclosures" which allows certain eligible entities to elect to apply the reduced disclosure requirements of IFRS 19 while continuing to apply the requirements of recognition, valuation and presentation of other IFRS accounting standards. </span></div><div style="margin-bottom:10pt;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 new standard will enter into force on January 1, 2027, allowing early application once it is adopted by the European Union. </span></div><div style="margin-bottom:10pt;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 there are no eligible entities within the scope of this standard, so no significant impact on the BBVA Group's financial statements is expected.</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 IFRS 9 and IFRS 7: Amendments to the classification and measurement 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%">On May 30, 2024 the IASB issued amendments to IFRS 9 and IFRS 7 to clarify, among others, how to assess the contractual cash flow characteristics of financial assets that include contingent features such as the achievement of Environmental, Social and Governance targets. Additionally, they clarify that a financial liability should be derecognized on the 'settlement date' and introduce an accounting policy option to derecognize before that date financial liabilities that are settled using an electronic payment system. Finally, additional disclosures are required by IFRS 7 for financial instruments with contingent characteristics and equity instruments classified at fair value through other comprehensive 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%">The amendments will come into force on January 1, 2026, although they may be applied earlier once they have been adopted by the European Union. </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%">Annual improvements applied to its International Financial Reporting Standards (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%">The IASB has issued a number of minor amendments and improvements to various IFRSs to clarify their wording or correct minor consequences, oversights or conflicts between the requirements of the Standards. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Standards affected are: IFRS 1 "First-time adoption of International Financial Reporting Standards", IFRS 7 "Financial instruments, disclosures", IFRS 9 "Financial instruments", IFRS 10 "Consolidated financial statements" and IAS 7 "Statement of cash flows". </span></div><div style="margin-bottom:10pt;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 modifications will come into force on January 1, 2026, although a significant impact on the BBVA Group's financial statements is not expected.</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 IFRS 9 and IFRS 7: Contracts that refer to nature-dependent electricity</span></div><div style="margin-bottom:10pt;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 18, 2024, the IASB issued amendments to IFRS 9 and IFRS 7 to address the accounting for contracts for the purchase and sale of renewable electricity, called Power Purchase Agreements (PPA). The amendments include guidance on the &#8220;own use&#8221; exemption for purchasers of electricity and requirements to apply hedge accounting on these arrangements.</span></div>The amendments will come into force on January 1, 2026, although it can be applied earlier once they have been adopted by the European Union.<span></span>
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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, 2024</div></th></tr>
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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"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt">BBVA Group</span><div style="margin-bottom:10pt;margin-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, 2024:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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:10pt;margin-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 information related to the Group&#8217;s total assets as of December 31, 2024, 2023 and 2022, 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%">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%">2023</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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">733,860</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%">737,971</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%">678,809</span></td></tr><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%">34,439</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,520</span></td><td colspan="3" style="border-left:1pt 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%">30,066</span></td></tr><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%">4,103</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,068</span></td><td colspan="3" style="border-left:1pt 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%">3,217</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%">772,402</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%">775,558</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%">712,092</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">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, Venezuela and Brazil, the latter focused on the CIB (Corporate &amp; Investment Banking) business. 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. See Note 2.1 and Appendix I.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 through branches, mainly the BBVA Bank's branches in Germany, Belgium, France, Italy, Portugal, the United Kingdom, and the Garanti BBVA Bank's branch in Malta. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 and the broker-dealer business BBVA Securities Inc. Additionally, in 2024, a representative office of Banco Bilbao Vizcaya Argentaria, S.A. was opened 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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:10pt;text-align:justify"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Significant transactions in the Group in </span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">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%">During the year 2024 no significant or relevant corporate operations have been completed, without prejudice to the announcement of the voluntary tender offer for the acquisition of all of the issued shares of Banco de Sabadell, S.A.  </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:120%">Other relevant additional information 2024</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%">Announcement of the voluntary tender offer for the acquisition of all of the issued shares of Banco de Sabadell, S.A.</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;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 30, 2024, due to a media report, BBVA published an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) stating that it had informed the chairman of the Board of Directors of Banco de Sabadell, S.A. (the "Target Company") of the interest of BBVA&#8217;s Board of Directors in initiating negotiations to explore a possible merger between the two entities. On the same date, BBVA sent to the chairman of the Target Company the written proposal for the merger of the two entities. The content of the written proposal sent to the Board of Directors of the Target Company was published on May 1, 2024 by BBVA through the publication of an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) with the Spanish Securities and Exchange Commission (hereinafter &#8220;CNMV&#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%">On May 6, 2024, the Target Company published an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) informing of the rejection of the proposal by its 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%">Following such rejection, on May 9, 2024, BBVA announced, through the publication of an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) (the "Prior Announcement"), the decision to launch a voluntary tender offer (the "Exchange Offer") for the acquisition of all of the issued shares of the Target Company, being a total of 5,440,221,447 ordinary shares with a par value of &#8364;0.125 each (representing 100% of the Target Company&#8217;s share capital). The consideration initially offered by BBVA to the shareholders of the Target Company consisted of one (1) newly issued share of BBVA for each four and eighty-three hundredths (4.83) ordinary shares of the Target Company, subject to certain adjustments in the case of dividend distributions in accordance with what was indicated in the Prior Announcement.</span></div><div style="margin-bottom:10pt;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 Prior Announcement of the Exchange Offer and as a consequence of the interim dividend against the 2024 financial year results in the amount of &#8364;0.08 per share paid by the Target Company to its shareholders on October 1, 2024, BBVA proceeded to adjust the Exchange Offer consideration. Therefore, after applying the adjustment in the terms set forth in the Prior Announcement, the consideration offered by BBVA to the shareholders of the Target Company under the Exchange Offer was adjusted, as result of the dividend payment of the Target Company, to one (1) newly issued ordinary share of BBVA for each five point zero one nine six (5.0196) ordinary shares of the Target Company. </span></div><div style="margin-bottom:10pt;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 a result of the interim dividend against the 2024 financial year results in the amount of &#8364;0.29 per share paid by BBVA to its shareholders on October 10, 2024, BBVA proceeded to adjust again the Exchange Offer consideration. Therefore, also in accordance with the provisions of the Prior Announcement, the Exchange Offer consideration was adjusted to one (1) newly issued ordinary share of BBVA and &#8364;0.29 in cash for every five point zero one nine six (5.0196) ordinary shares of the Target Company.</span></div><div style="margin-bottom:10pt;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 the provisions of Royal Decree 1066/2007, of July 27, on the rules governing tender offers ("Royal Decree 1066/2007"), the Exchange Offer is subject to mandatory clearance by the CNMV (&#8220;CNMV Clearance&#8221;). Additionally, pursuant to the provisions of Law 10/2014 and Royal Decree 84/2015, the acquisition by BBVA of control of the Target Company resulting from the Exchange Offer is subject to the duty of prior notification to the Bank of Spain and the obtention of the non-opposition of the European Central Bank (a condition that was satisfied on September 5, 2024, 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%">In addition, completion of the Exchange Offer is also subject to the satisfaction of the conditions specified in the Prior Announcement, in particular (i) the acceptance of the Exchange Offer by a number of shares that allows BBVA to acquire at least more than half of the effective voting rights of the Target Company at the end of the Exchange Offer acceptance period (therefore excluding the treasury shares that the Target Company may hold at that time), as this condition was amended by BBVA in accordance with the publication of the inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) dated January 9, 2025, (ii) approval by BBVA&#8217;s General Shareholders&#8217; Meeting of the increase of BBVA&#8217;s share capital through the issue of new ordinary shares through non-cash contributions in an amount that is sufficient to cover the consideration in shares offered to the shareholders of the Target Company (which condition was satisfied on July 5, 2024, as described below), (iii) the express or tacit authorization of the economic concentration resulting from the Exchange Offer by the Spanish antitrust authorities, and (iv) the express or tacit authorization of the indirect acquisition of control of the Target Company&#8217;s banking subsidiary in the United Kingdom, TSB Bank PLC, by the United Kingdom Prudential Regulation Authority (&#8220;PRA&#8221;) (a condition that was satisfied on September 2, 2024, 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%">On July 5, 2024, the BBVA&#8217;s Extraordinary General Shareholders' Meeting resolved to authorize, with 96% votes in favor, an increase in the share capital of BBVA of up to a maximum nominal amount of &#8364;551,906,524.05 through the issuing and putting into circulation of up to 1,126,339,845 ordinary shares of &#8364;0.49 par value each to cover the consideration in shares offered to the shareholders of the Target Company (see Note 26).</span></div><div style="margin-bottom:10pt;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 September 3, 2024, BBVA announced, through the publication of an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiad</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">a), that, on September 2, 2024, it received the authorization from the PRA for BBVA's indirect acquisition of control of TSB Bank PLC as a result of the Exchange Offer.</span></div><div style="margin-bottom:10pt;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 September 5, 2024, BBVA announced that it received the decision of non-opposition from the European Central Bank to BBVA's taking control of the Target Company, as a result of the Exchange Offer.</span></div><div style="margin-bottom:10pt;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 12, 2024, the Spanish antitrust authorities announced their decision that further review of the economic concentration resulting from the Exchange Offer would be required, extending antitrust review into a second phase.</span></div><div style="margin-bottom:10pt;margin-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 terms of the Exchange Offer will be set out in the Spanish prospectus (which was submitted together with the Exchange Offer request to the CNMV for their authorization on May 24, 2024 and will be published after obtaining CNMV Clearance) and the relevant U.S. offer to exchange/prospectus.</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:120%">Significant transactions in the Group in</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> 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%">During the year 2023 no significant corporate transactions were carried out.</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:120%">Significant transactions in the Group in</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> 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:8pt;font-weight:700;line-height:130%">Investments</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%">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, 29.2% of the share capital of the Company (30.9% and 30.1% as of December 31, 2024 and 2023, respectively). 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:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;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">3</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">4</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 "Financial Reporting in Hyperinflationary Economies", see Note 2.2.18). 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 share in Garanti BBVA owned by BBVA as of December 31, 2024 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 2.2.18 to these Consolidated Financial Statements.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533881552">
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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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<tr><th class="th"><div>Dec. 31, 2024</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_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"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Shareholder remuneration system</span><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 by means of Relevant Information, on November 18, 2021, the amendment of the Group's shareholder remuneration policy (announced on February 1, 2017 by means of Relevant Information), 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, 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:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;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 Shareholders' 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 gross (&#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 gross (&#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 &#8211; Interim Dividends&#8221; of the consolidated balance sheet as of December 31, 2022.</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%">Shareholder remuneration during financial year 2023</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%">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 2023 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 Shareholders&#180; Meeting of BBVA held on March 17, 2023, approved, under item 1.3 of the Agenda, a cash distribution against the 2022 results as a final dividend for the 2022 fiscal year, for an amount equal to &#8364;0.31 gross (&#8364;0.2511 net of withholding tax) per outstanding BBVA share entitled to participate in this distribution, which was paid on April 5, 2023. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;1,857 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, at its meeting held on September 27, 2023, resolved the payment of a cash interim dividend of &#8364;0.16 gross (&#8364;0.1296 net of withholding tax) per outstanding share on account of the 2023 dividend, to be paid on October 11, 2023. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;951 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:9pt;font-weight:700;line-height:133%">Shareholder remuneration during financial year 2024</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%">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 2024 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 Shareholders' Meeting of BBVA held on March 15, 2024, approved, under item 1.3 of the Agenda, a cash distribution against the 2023 results as a final dividend for the 2023 fiscal year, for an amount equal to &#8364;0.39 gross (&#8364;0.3159 net of withholding tax) per outstanding BBVA share entitled to participate in this distribution, which was paid on April 10, 2024. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;2,245 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">By means of an inside information notice (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">informaci&#243;n privilegiada</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) dated September 26, 2024, BBVA announced that the Board of Directors, had resolved the payment of a cash interim dividend of &#8364;0.29 gross (&#8364;0.2349 net of withholding tax) per each outstanding BBVA share entitled to participate in this distribution, to be paid on October 10, 2024. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#8364;1,668 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 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, 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="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%">August 31, 2024</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%">6,854</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%">6,854</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%">1,671</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%">33,530</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 January 30, 2025, it was announced that a cash distribution in the amount of &#8364;0.41 gross per share to be paid presumably in April 2025 as the final dividend for the year 2024, and the execution of a share buyback program of BBVA for an amount of &#8364;993 million were planned to be proposed to the corresponding corporate bodies for consideration as ordinary remuneration to shareholders for 2024, subject to obtaining the corresponding regulatory authorizations and approval by the Board of Directors of the specific terms and conditions of the program, which will be communicated to the market prior to the start of its execution. Finally, on February 14, 2025 BBVA announced by means of an Inside Information filing with the CNMV, that the Board of Directors of BBVA has resolved to propose to the Annual General Shareholders&#8217; Meeting to be held on March 21, 2025 a cash distribution of &#8364;0.41 gross per share as a final dividend for 2024 to be paid on April 10, 2025.</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%">Share buyback program</span></div><div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Share buyback programs in 2021 and 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%">On October 26, 2021, BBVA obtained the pertinent authorization from the European Central Bank (hereinafter "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 Shareholders' 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 in compliance with Regulation (EU) no. 596/2014 of the European Parliament and the Council of April 16, 2014 on market abuse and Commission Delegated Regulation (EU) no. 2016/1052 of the Commission, of March 8, 2016 (the &#8220;Regulations&#8221;), 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 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 and which were held in treasury shares (see Notes 26, 27, 28 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 (unfinished as of 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%">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:10pt;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 and which were held in treasury shares (see Notes 26, 27, 28 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%">The Program Scheme was considered as an extraordinary shareholder distribution and was therefore not included in the scope of the shareholder remuneration policy described above.</span></div><div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Share buyback programs in 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%">On February 1, 2023, BBVA announced, among others, that it planned to submit for the consideration of the corresponding BBVA governing bodies the execution of a &#8364;422 million share buyback 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. On March 17, 2023, after receiving the required authorization from the ECB, BBVA announced through an Inside Information notice the execution of a time-scheduled buyback program for the repurchase of own shares in accordance with the Regulations, aimed at reducing BBVA&#8217;s share capital by a maximum monetary amount of &#8364;422 million. The execution was carried out internally by BBVA, executing the trades through BBVA. By means of an Other Relevant Information notice dated April 21, 2023, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount of &#8364;422 million, having acquired 64,643,559 own shares, between March 20 and April 20, 2023, representing, approximately, 1.07% of BBVA's share capital as of said 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%">On June 2, 2023, BBVA notified through an Other Relevant Information notice a partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 17, 2023, under item 3 of the agenda through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;31,675,343.91 and the consequent redemption, charged to unrestricted reserves, of 64,643,559 own shares of &#8364;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program and which were held in treasury shares (see Notes 26, 27, 28 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 July 28, 2023, BBVA announced, by means of an Inside Information notice, its request to the ECB for the correspondent supervisory authorization in order to carry out a share buyback program of up to &#8364;1,000 million, subject to the authorization requested being granted, to the adoption of the corresponding corporate resolutions and to the communication of the specific terms and conditions of the share buyback program before its execution. This share buy-back program was considered as an extraordinary shareholder distribution. On October 2, 2023, after receiving the required authorization from the ECB, BBVA announced that it would implement a buyback program for the repurchase of own shares in accordance with the Regulations, aimed at reducing BBVA&#8217;s share capital by a maximum monetary amount of &#8364;1,000 million. The execution was carried out internally by BBVA, executing the trades through 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:130%">By means of an Other Relevant Information notice dated November 29, 2023, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount of &#8364;1,000 million, having acquired 127,532,625 own shares, between October 2 and November 29, 2023, representing, approximately, 2.14% of BBVA's share capital as of said later 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%">On December 19, 2023, BBVA notified through an Other Relevant Information notice the second partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 17, 2023, under item 3 of the agenda through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;62,490,986.25 and the consequent redemption, charged to unrestricted reserves, of 127,532,625 own shares of &#8364;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program and which were held in treasury shares (see Notes 26, 27, 28 and 29).</span></div><div style="text-align:justify"><span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">Share buyback program in 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%">On March 1, 2024, after receiving the required authorization from the ECB, BBVA announced by means of an Inside Information notice the execution of a time-scheduled buyback program for the repurchase of own shares, all in accordance with the Regulations, for a maximum monetary amount of &#8364;781 million. The execution was carried out externally by Citigroup Global Markets Europe AG.</span></div><div style="margin-bottom:10pt;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 an Other Relevant Information notice dated April 9, 2024, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount, having acquired a total of 74,654,915 own shares, between March 4 and April 9, 2024, representing, approximately, 1.28% of BBVA's share capital as of such 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:120%">On May 24, 2024, BBVA notified through an Other Relevant Information notice the partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#8217; Meeting of BBVA held on March 15, 2024, under item 3 of the Agenda, through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;36,580,908.35 and the consequent redemption, charged to unrestricted reserves, of 74,654,915 own shares of &#8364;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program and which were held as treasury shares (see Notes 26, 27, 28 and 29).</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%">Proposal on allocation of earnings of BBVA, S.A.  for 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%">Below is included a breakdown of the distribution of the Bank&#180;s earnings for financial year 2024, which the Board of Directors will submit to the Annual General Shareholders' 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%">2024</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit (loss) of BBVA, S.A. for the year</span></div></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%">10,235</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%">1,671</span></td></tr><tr><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%">2,363</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%">6,200</span></td></tr></table></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571071344">
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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, 2024</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="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfEarningsPerShareExplanatory', window );">Disclosure of earnings per share [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Earnings per share</span><div style="margin-bottom:10pt;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="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%">2024</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%">2023</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#179;&#8318;</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: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%">10,054</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%">8,019</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%">6,358</span></td></tr><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 &#8317;&#185;&#8318;</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%">(388)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(345)</span></td><td colspan="3" style="border-left:1pt 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%">(313)</span></td></tr><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%">9,666</span></td><td colspan="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%">7,675</span></td><td colspan="3" style="border-left:1pt 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%">6,045</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-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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">9,666</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">7,675</span></td><td colspan="3" style="border-left:1pt 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-style:italic;font-weight:400;line-height:120%">6,045</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-style:italic;font-weight:400;line-height:120%">Profit (loss) from discontinued operations (net of non-controlling interests) (B)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">&#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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-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:#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%">5,793</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%">5,988</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%">6,424</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%">(10)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(9)</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 &#8317;&#178;&#8318; </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%">(13)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(225)</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%">5,769</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%">5,954</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></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%">5,769</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%">5,954</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></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%">1.68</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%">1.29</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%">0.98</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%">1.68</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%">1.29</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%">0.98</span></td></tr><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%">1.68</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.29</span></td><td colspan="3" style="border-left:1pt 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%">0.98</span></td></tr><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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-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%">&#8212;</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%">&#8212;</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Remuneration in the year related to perpetual contingent convertible securities, recognized in equity (see Note 22.4).</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%">(2) For the calculation of earnings per share, the average number of shares in a year takes into account the redemptions made in such year related to the share buyback programs announced (see Note 4). </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span 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For this reason, basic and diluted earnings per share are the same.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537621136">
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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, 2025</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"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Operating segment reporting </span><div style="margin-bottom:10pt;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 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's Management 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, 2024, the structure of the information by operating segments and the Corporate Center reported by the BBVA Group remains the same as that as of the closing of the 2023 financial 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 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 includes mainly the banking, insurance and asset management businesses that the Group carries out in 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 includes the banking, insurance and asset management businesses 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 includes the banking, finance, insurance and asset management businesses 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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:10pt;margin-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 for the consolidated BBVA Group, 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.</span></div><div style="margin-bottom:10pt;margin-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 and the Corporate Center as of December 31, 2024, 2023 and 2022 is as follows:</span></div><div style="margin-bottom: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: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%">2024</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%">2023 &#8317;&#185;&#8318;</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; &#8317;&#178;&#8318;</span></div></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%">417,752</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%">457,573</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%">427,049</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%">168,470</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%">173,489</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%">142,557</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%">82,782</span></td><td colspan="3" style="background-color:#ffffff;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%">68,329</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%">66,036</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%">73,997</span></td><td colspan="3" style="background-color:#ffffff;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%">64,779</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%">61,951</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%">66,534</span></td><td colspan="3" style="background-color:#ffffff;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%">64,274</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%">49,952</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%">809,536</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%">828,445</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%">747,545</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></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%">(37,134)</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%">(52,886)</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%">(35,453)</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%">772,402</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">775,558</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">712,092</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the years 2023 and 2022 were </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">revised, which has not affected t</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">he consolidated financial information of the Group.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Restated balances according to IFRS 17 - Insurance contracts, which had no material impacts as of that date (see &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 &#8211; Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#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 following table sets forth certain summarized information relating to results of each operating segment and Corporate Center for the years ended December 31, 2024, 2023 and 2022:</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:25.906%"></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="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%">2024</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="padding:2px 1pt;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%">25,267</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%">6,435</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%">11,556</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%">1,492</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%">5,589</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%">741</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%">(546)</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%">35,481</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,490</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,337</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,212</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,405</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:8pt;font-weight:400;line-height:120%">1,458</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(421)</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%">15,405</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:8pt;font-weight:400;line-height:120%">5,309</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,522</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%">1,741</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%">1,342</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">634</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,142)</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"><div style="margin-bottom:0.1pt"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Attributable profit (loss)</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%">10,054</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,784</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,447</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">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%">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%">(924)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023 &#8317;&#178;&#8318;</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><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%">23,089</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,620</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,054</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:8pt;font-weight:400;line-height:120%">1,869</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,394</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:8pt;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:8pt;font-weight:400;line-height:120%">(386)</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%">29,542</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,888</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,267</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,981</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,331</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,103</span></td><td colspan="3" style="padding:2px 1pt;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></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%">12,419</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,897</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,329</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:8pt;font-weight:400;line-height:120%">1,324</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,189</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%">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:8pt;font-weight:400;line-height:120%">(1,809)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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 profit (loss) </span></div></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,019</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,720</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,319</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">527</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">601</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">396</span></td><td colspan="3" style="background-color:#5AC4C4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,544)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#178;&#8318; &#8317;&#179;&#8318; </span></div></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">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%">19,124</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,774</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,378</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,611</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,138</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;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:#000000;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;border-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%">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%">24,743</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%">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:8pt;font-weight:400;line-height:120%">10,734</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:8pt;font-weight:400;line-height:120%">3,172</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,265</span></td><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="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%">10,268</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:8pt;font-weight:400;line-height:120%">2,610</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:8pt;font-weight:400;line-height:120%">5,620</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,636</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,434</span></td><td colspan="3" style="padding:2px 1pt;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="background-color:#5AC4C4;border-top:1pt 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%">Attributable profit (loss) </span></div></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,358</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,667</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,131</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">505</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">738</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;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;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;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></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Adjustments include the impact of the purchase of offices in Spain in 2022 in the transaction with Merlin Properties (see Note 17).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the year 2023 have been revised, which has not affected the consolidated financial information of the Group.  </span></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Restated according to IFRS 17 - Insurance contracts, which had no material impacts for such period (see </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 Insurance contracts</span>&#8221;).<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>
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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 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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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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<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"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Risk management</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Risk factors </span><div style="margin-bottom:10pt;margin-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, measures are taken to seek 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt">Macroeconomic and geopolitical risks</span><div style="margin-bottom:10pt;margin-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, the alteration of the institutional environment of the countries in which it operates, and the Group is exposed to sovereign debt especially in Spain, Mexico and 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 global economy is currently facing a number of extraordinary challenges. The war between Ukraine and Russia and the armed conflicts in the Middle East have caused significant disruptions, instability and volatility in global markets, particularly in energy markets. Uncertainty about the future development of these conflicts is high. The main risk is that they could generate new supply shocks, pushing growth downward and inflation upward, and paving the way for macroeconomic and financial instability episodes.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Geopolitical and economic risks have also increased in recent years as a result of trade tensions between the United States and China, Brexit, and the rise of populism, among other factors. Growing tensions and the rise of populism may lead, among other things, to a deglobalization of the world economy, an increase in protectionism, a general reduction of international trade and a reduction in the integration of financial 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 policies to be adopted by the new United States government, from January 20, 2025, are an additional source of uncertainty for the global economy. Some of the measures recently advocated by the incoming administration, such as the adoption of higher import tariffs and tighter immigration controls, may increase inflationary pressures and weaken economic growth. Fiscal, regulatory, industrial, foreign and other policies could also generate financial and macroeconomic volatility.</span></div><div style="margin-bottom:10pt;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 context, one of the main risks is that inflation remains high, either due to new supply shocks, related for example to the previously mentioned geopolitical and political risks or climate events, or due to demand factors, caused by an excessively expansionary fiscal policy, the robustness of labor markets, or other factors. Significant inflationary pressures could lead to interest rates remaining higher than currently forecasted, which could negatively affect the macroeconomic environment and financial 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%">Another macroeconomic risk is the possibility of a sharp global growth slowdown. In a context marked by uncertainty and still elevated interest rates, labor markets and aggregate demand could weaken more significantly than expected. Moreover, despite increasing economic stimulus measures, growth in China could slow sharply, with a potentially negative impact on many geographical areas, due to tensions in real estate markets and economic sanctions imposed by the United States, among other 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%">Furthermore, there is a growing risk of tensions in sovereign debt markets, given the high levels of public debt in many developed and emerging countries, the relatively high interest rates, and expectations of slower economic growth.</span></div><div style="margin-bottom:10pt;margin-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 exposed, among others, to the following general risks with respect to the economic and institutional environment in the countries 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 shocks such as, for example, an increase in oil and gas prices to very high levels, which would 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 exchange rates; an unfavorable evolution of the real estate market; changes in the institutional environment of the countries in which the Group operates, which 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; 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 such debt; the impact of the upcoming policies of the new U.S. administration, about which there is significant uncertainty; and episodes of volatility in the financial markets, which could cause significant losses for the Group. The Group&#8217;s results of operations have been particularly affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, contributing to the rise in both interest revenue and interest expenses. The persistence of interest rates at relatively high levels or any increase in interest rates in the future could adversely affect the Group by reducing the demand for credit and leading to an increase in the default rate of its borrowers and other counterparties. Moreover, the Group&#8217;s results of operations have been affected by inflation in all countries in which BBVA operates, especially Turkey 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%">In particular, in Spain, political, regulatory and economic uncertainty has also increased since the July 2023 general elections; there is a risk that policies could have an adverse impact on the economy or the Group. There is also a risk that the impact on financial conditions of political tensions in other European countries could to some extent affect Spain. In Mexico, there is high uncertainty on the impact of the recently approved constitutional reforms, as well as on the policies that will be adopted by the new local government and by the new U.S. administration (in particular, if protective measures adopted by the United States become more aggressive or persist over time, which could adversely impact the country's economic growth). In Turkey, there are increasing signs of normalization in economic policy in general, and monetary policy in particular, since the general elections held in May 2023, which may lead to a gradual correction of the current distortions. Despite the gradual improvement of macroeconomic conditions, the situation remains relatively unstable, characterized by pressures on the Turkish lira, high inflation, a significant trade deficit, low central bank&#8217;s foreign reserves and high external financing costs. There is also uncertainty about the impact of the geopolitical context in the Middle East on Turkey. In particular, recent regime changes in Syria create opportunities, such as a potential increase in exports and lower migratory pressures, but also risks, which could cause greater volatility of Turkish financial assets, among other possible effects. Continuing unfavorable economic conditions in Turkey may result in a potential deterioration in the purchasing power and creditworthiness of the clients of the Group (both individuals and corporations). In addition, official interest rates, the regulatory and macroprudential policies affecting the banking sector and the currency depreciation have affected and may continue to affect the Group&#8217;s results. In Argentina, the risk of economic and financial turbulence persists in a context in which the government has substantially modified the economic policy framework and has focused its efforts on implementing strong fiscal and monetary adjustments to reduce inflation. Finally, in Colombia and Peru, climate factors, political tensions and greater social conflict could eventually have a negative impact on the 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%">Any of these factors may have a significant adverse impact on the Group&#8217;s business, financial condition and results of operations.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt">Regulatory and reputational risks</span><div style="margin-bottom:10pt;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 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 (see "Environmental, social and governance (&#8220;ESG&#8221;) risks may adversely impact the Group"). 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt">New business, operational and legal risks</span><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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%">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. 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%">There are also claims before the Spanish courts challenging the validity of certain revolving credit card agreements. Rulings in these types of proceedings, whether against the Bank or other financial institutions, could negatively 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%">Additionally, in relation to the ESG area, factors that may affect these new business, operational and legal risks have been identified (see "Environmental, social and governance ("ESG") risks may 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, 2024, the Group had &#8364;791 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;610 million correspond to legal contingencies and &#8364;181 million to tax related matters. However, the uncertainty arising from these proceedings (including those for which no provisions have been made, either because the probability of an unfavorable outcome for the Group is estimated to be remote, or because it is not possible to estimate them or for other reasons) makes it impossible to guarantee that the possible losses arising from the resolution of 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 which may otherwise affect the Group, whether 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 Centro Exclusivo de Negocios y Transacciones, S.L. (&#8220;Cenyt&#8221;). Such investigation includes the provision of services by Cenyt to BBVA. On July 29, 2019, BBVA was named as an investigated party (investigado) 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. 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. Since the beginning of the investigation, BBVA has been 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.</span></div><div style="margin-bottom:10pt;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 order of the Criminal Chamber of the National High Court, the pre-trial phase ended on January 29, 2024. On June 20, 2024, the Judge issued an order authorizing the continuation of abbreviated criminal proceedings</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> against the Bank and certain current and former officers and employees of the Bank, as well as against some former directors, for alleged facts which could constitute bribery and revelation of secrets.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> It is not possible at this time to predict the possible outcomes or implications for the Group of this matter, including any fines, damages or harm to the Group&#8217;s reputation caused thereby.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt">Environmental, social and governance (ESG) risks may adversely impact the Group</span><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">ESG factors present risks associated with (i) climate change, including physical risks and transition risks (linked, among others, to changes in regulations, technologies, and market preferences associated with the transition to a less carbon-dependent economy); (ii) other environmental factors, such as biodiversity loss, water stress and other nature-related factors; (iii) social factors, such as human rights, inclusion, diversity and workplace safety; and (iv) corporate governance matters, such as the governance of environmental and social risks. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">ESG risks include short, medium and long-term risks that may adversely affect the Group and its customers or counterparties. Such risks are expected to increase and/or evolve 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%">Among others, they include the following: </span></div><div style="margin-bottom: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%">&#8211; Physical risks. The activities of the Group or those of its customers or counterparties could be adversely affected by the physical risks (including acute and chronic) arising from climate change or other environmental challenges. For example, extreme weather events may damage or destroy properties and other assets of the Group or those of its customers or counterparties, make the insurance against certain risks more expensive or unfeasible, 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 granted as collateral to the Group. The Group is also exposed to potential long-term physical risks arising from climate change and other environmental challenges, such as any ensuing deterioration in economic conditions that results in credit-related costs, or potential impacts on the Group&#8217;s assets and operations. The Group could also be required to change its business models in response to the foregoing.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; Legal and regulatory risks. Legal and regulatory changes related to how banks are required to manage climate and other ESG risks or otherwise affecting banking practices or disclosure of information may result in higher compliance, operational and credit risks and costs. The Group&#8217;s customers and counterparties may be exposed to similar risks. Further, legal and regulatory changes may result in legal uncertainty and the existence of overlapping or conflicting regulatory or other requirements. They may also give rise to regulatory asymmetries whereby some persons, including the Group and its customers and counterparties, are more heavily regulated than others, placing such persons at a disadvantage. The Group or its customers or counterparties may be unable to meet any new requirements on a timely basis or at all, including new product and service specifications, governance frameworks and practices and disclosure requirements and standards. In addition, in the case of banks, new regulation could include requirements related to lending, investing, capital and liquidity adequacy and operational resilience. The incorporation of ESG risks in the existing prudential framework is still developing and may result in increased risk weighting of certain assets. Moreover, there are significant risks and uncertainties inherent in the development of adequate risk assessment and modelling capabilities with respect to ESG-related matters and the collection of customer, third party and 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, any of which could adversely affect the Group&#8217;s disclosure and financial reporting. Further, increased regulation arising from climate change and other ESG-related challenges could result in increased litigation by different stakeholders (including non-governmental organizations (NGOs)) and regulatory investigations and actions.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; Technological risks. 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 and costs associated with new low-carbon technologies. If the Group&#8217;s 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:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; Market risks. The Group and certain of the Group&#8217;s customers and counterparties may be adversely affected by changes in market preferences due to, among others, increased ESG awareness. Further, the funding costs of businesses that are perceived to be more exposed to climate change or to other ESG-related risks could increase. Any of this could result in the reduced creditworthiness of such customers and counterparties, adversely affecting the Group&#8217;s relevant loan portfolios. The Group and its customers and counterparties could also be adversely affected by changes in prices resulting from shifts in demand or supply brought by climate change or other ESG-related factors, including prices of energy and raw materials, or by their inability to foresee or hedge any such 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%">&#8211; Reputational risks. The perception of climate change and other ESG-related challenges as a risk by society, shareholders, customers, governments and other stakeholders (including NGOs) continues to increase, including in relation to the financial sector&#8217;s activities. This may result in increased scrutiny of the Group&#8217;s activities, as well as its ESG-related policies, goals, disclosures or communications. The Group&#8217;s reputation and ability to attract or retain customers may be harmed if its efforts to reduce ESG-related risks are deemed to be insufficient or if a perception is generated among the different stakeholders that the Group&#8217;s statements, actions or disclosure do not fairly reflect the underlying sustainability profile of the Group, its products, services, goals and/or policies. At the same time, the Group may refrain from undertaking lending or investing activities or other services that would otherwise have been profitable in order to fulfill its obligations or avoid reputational harm. Further, divergent views on ESG policies may also have a negative impact on the Group&#8217;s reputation. Increased scrutiny of the Group&#8217;s activities, as well as its ESG-related policies, goals and disclosure may result in litigation and investigations and supervisory actions (including potential greenwashing claims). The Group has disclosed certain aspirational ESG-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 regulation and policy, the pace of technological change and innovation and the actions of governments and the Group&#8217;s customers and competitors. Potential greenwashing claims arising from ESG-related statements, disclosure and/or actions of the Group may also give rise to reputational risks.</span></div><div style="margin-bottom:10pt;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></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Credit risk</span><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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">In addition, credit risk is affected by climate change risk, mainly through physical and transition risks that may impact the payment capacity of counterparties and the valuation of the collateral used and, therefore, expected credit losses (see "Environmental, social and governance (&#8220;ESG&#8221;) risks may adversely impact 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 2024, the Group has begun incorporating climate risk factors into the process of calculating expected credit losses for loan portfolios through statistical models that consider both potential damage to collateral and the effect on customers' ability to pay due to physical and transition risks in the Group's main geographies (Spain, Mexico and Turkey). In particular, transition risk has been assessed using an approach that allows capturing its effect on the probability of default (PD) and the impact on customers' provisions in Stage 2 as well as a transfer of exposures from Stage 1 to Stage 2 for corporate portfolios. For physical risk, an approach has been used that would allow estimating the potential deterioration in the value of collateral (real estate assets in corporate and retail portfolios) and its effect on LGD. As of December 31, 2024, the impact recorded for these risks was not significant. The Group will continue working to incorporate in these models the information available from time to 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:120%">Support measures</span></div><div style="margin-bottom:10pt;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 previous years, the Group reported information on the support measures that it provided to its customers under various legislative and sectorial initiatives. These measures included, in particular, those related to the COVID-19 pandemic, which affected several countries and geographical areas where the Group operates. In Spain, it included measures adopted under Royal Decree-Law 6/2022, to alleviate liquidity tensions due to the increases in energy prices and raw materials. These measures have not had any significant impact on the consolidated financial statements of the BBVA Group as of and for the year ended December 31, 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%">In addition, in Spain, the Code of Good Practices regulated by Royal Decree-Law 6/2012, as well as its subsequent amendments, establishes a code of good practices to alleviate the impact of the rise in interest rates on mortgage loans for primary residences, adopting other structural measures to improve the loan market. Up to the date of preparation of these Consolidated Financial Statements, the number and amount of operations granted to clients in compliance with this Code of Good Practices remain reduced.</span></div><div style="margin-bottom:10pt;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 2024, these support measures implemented in Spain were supplemented by those introduced by Royal Decree-Law 6/2024, which adopted urgent measures to address the damage caused by the torrential rains and floods - Isolated Depression in High Levels - (DANA) in various Spanish municipalities between October 28 and November 4, 2024, especially in the Valencian Community. These measures include the granting of state-guaranteed financing and payment deferrals for borrowers meeting specific requirements. The BBVA Group is facilitating the channelling of this financing through the so-called "DANA Guarantee Line" and granting payment deferrals in accordance with the provisions of Royal Decree-Law 6/2024. These measures have not had any significant impact on the consolidated financial statements of the BBVA Group as of and for the year ended December 31, 2024.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Measurement of Expected Credit Loss</span><div style="margin-bottom:10pt;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><div style="margin-bottom:10pt;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="margin-bottom:10pt;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 this, the Group undertakes 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 a sound and 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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 geographical areas, 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><div style="margin-bottom:10pt;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 130% to 250% for the relative threshold and from 30 to 100 basis points for the absolute threshold. Specifically, in BBVA, S.A.'s wholesale portfolio the relative threshold is from 180% to 200% and the absolute threshold ranges from 30 to 100 basis points; in the retail portfolio the relative threshold is 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 80 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 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%">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%">BBVA Research produces 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 (Internal Capital Adequacy Assessment Process) and Risk Appetite Framework, stress testing, etc.</span></div><div style="margin-bottom:10pt;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, BBVA Research produces 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="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The forward-looking information incorporated in the calculation of expected losses is in line with the macroeconomic perspectives published by BBVA Research, which are quarterly updated. </span></div><div style="margin-bottom:10pt;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 (positive base and negative scenarios) of the GDP growth, unemployment rate and House Price Index (HPI), for the most relevant countries where they represent a significant factor, provided by BBVA Research, were used for the calculation of the ECL as of December 31, 2024:</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;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"><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 geographical areas</span></div></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%">2024</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%">3.13 %</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%">10.97 %</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%">3.01 %</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%">1.25 %</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%">2.75 %</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%">4.57 %</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%">3.25 %</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%">8.79 %</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%">3.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.78 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.97 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.89 %</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%">5.02 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.17 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.98 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.87 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.03 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.38 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.27 %</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%">6.65 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.64 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.96 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.54 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.89 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.82 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.76 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.80 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.05 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.21 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.69 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.12 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.81 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.96 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.81 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.52 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.46 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.96 %</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:#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:#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%">2024</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%">3.12 %</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%">6.59 %</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%">(3.66) %</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%">10.37 %</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%">2.16 %</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%">10.20 %</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%">3.45 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.37 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.09 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.07 %</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%">4.15 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.44 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.83 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.13 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.68 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.72 %</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%">4.12 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.31 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.54 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.92 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.11 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.20 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.60 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.05 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.21 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.55 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.57 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.12 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.44 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.50 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.22 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.95 %</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: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 geographical areas</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%">2024</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%">3.09 %</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%">11.43 %</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%">2.99 %</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%">1.24 %</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%">2.75 %</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%">4.57 %</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%">3.18 %</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%">8.80 %</span></td></tr><tr><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%">2.29 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.75 %</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:8pt;font-weight:400;line-height:120%">4.32 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.13 %</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:8pt;font-weight:400;line-height:120%">4.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.46 %</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: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%">1.69 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.99 %</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:8pt;font-weight:400;line-height:120%">1.64 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.52 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.73 %</span></td></tr><tr><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%">1.86 %</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:8pt;font-weight:400;line-height:120%">9.95 %</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:8pt;font-weight:400;line-height:120%">2.24 %</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:8pt;font-weight:400;line-height:120%">1.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.17 %</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:8pt;font-weight:400;line-height:120%">4.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.18 %</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:8pt;font-weight:400;line-height:120%">10.58 %</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:8pt;font-weight:400;line-height:120%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.80 %</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:8pt;font-weight:400;line-height:120%">9.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.61 %</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:8pt;font-weight:400;line-height:120%">1.87 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.08 %</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:8pt;font-weight:400;line-height:120%">4.36 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.11 %</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:8pt;font-weight:400;line-height:120%">10.52 %</span></td></tr><tr><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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.80 %</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:8pt;font-weight:400;line-height:120%">9.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.87 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.01 %</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:8pt;font-weight:400;line-height:120%">10.51 %</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%">2024</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%">3.10 %</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%">6.59 %</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%">(3.76) %</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%">10.38 %</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%">1.96 %</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%">10.20 %</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%">2.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.59 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.80 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.49 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.34 %</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%">2.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.57 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.47 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.19 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.26 %</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%">2.75 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.52 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.92 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.81 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.45 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.47 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.54 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.96 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.36 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.99 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.86 %</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: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 geographical areas</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%">2024</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%">3.05 %</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%">11.88 %</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%">2.97 %</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%">1.20 %</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%">2.75 %</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%">4.56 %</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%">3.13 %</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%">8.80 %</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%">1.18 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.71 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.15 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.16) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.20 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.86 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.79 %</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%">(1.30) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.50 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.53) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.20) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.43 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.07 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.59 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.71 %</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%">(2.50) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.24 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.81) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.14 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.76 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.37 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.83 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.11) %</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:8pt;font-weight:400;line-height:120%">11.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.87) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.40 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.72 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.21 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.67 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.86) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.53 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.55) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.32 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.79 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.18 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.47 %</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%">2024</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%">2.92 %</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%">6.60 %</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%">(3.93) %</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%">10.38 %</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%">1.77 %</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%">10.21 %</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%">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%">0.56 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.46 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.02 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.68 %</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%">0.43 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.60) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.10 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.93 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.04 %</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%">0.63 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.90 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.79) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.16 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.81 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.46 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.93 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.53) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.36 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.49 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.95 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.41) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.44 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.09 %</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 estimate for the next five years of the following rates, used in the measurement of the expected loss as of December 31, 2023, 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;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"><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 geographical areas</span></div></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: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:#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;text-align:center;text-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 #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: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="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%">2.52 %</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%">11.84 %</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%">(1.61) %</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%">3.62 %</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%">2.80 %</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%">5.44 %</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%">5.54 %</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%">9.31 %</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%">2.12 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.32 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.89 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.79 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.11 %</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:8pt;font-weight:400;line-height:120%">4.98 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.11 %</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:8pt;font-weight:400;line-height:120%">8.82 %</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%">2.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.96 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.68 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.07 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.33 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.86 %</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%">2.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.81 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.11 %</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:8pt;font-weight:400;line-height:120%">2.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.14 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.92 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.68 %</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%">2.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.22 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.14 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.76 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.99 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.20 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.95 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.13 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.87 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.09 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.01 %</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;text-align:center;text-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%">2023</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%">0.33 %</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%">6.85 %</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%">(1.82) %</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%">8.05 %</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%">1.59 %</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%">10.06 %</span></td></tr><tr><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%">4.57 %</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:8pt;font-weight:400;line-height:120%">6.63 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.46 %</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:8pt;font-weight:400;line-height:120%">2.80 %</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:8pt;font-weight:400;line-height:120%">10.99 %</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: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%">4.22 %</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:8pt;font-weight:400;line-height:120%">6.54 %</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:8pt;font-weight:400;line-height:120%">6.93 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.59 %</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:8pt;font-weight:400;line-height:120%">11.27 %</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: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%">2.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.13 %</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:8pt;font-weight:400;line-height:120%">8.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.03 %</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:8pt;font-weight:400;line-height:120%">11.03 %</span></td></tr><tr><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%">2.72 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.32 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.11 %</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:8pt;font-weight:400;line-height:120%">7.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.24 %</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:8pt;font-weight:400;line-height:120%">10.35 %</span></td></tr><tr><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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.28 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.13 %</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:8pt;font-weight:400;line-height:120%">6.11 %</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:8pt;font-weight:400;line-height:120%">3.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.90 %</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:6.295%"></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 geographical areas</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%">2023</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%">2.36 %</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:8pt;font-weight:400;line-height:120%">12.13 %</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%">(1.93) %</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%">3.40 %</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%">2.82 %</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%">5.47 %</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%">4.46 %</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%">9.63 %</span></td></tr><tr><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%">1.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.80 %</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:8pt;font-weight:400;line-height:120%">(0.92) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.91 %</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:8pt;font-weight:400;line-height:120%">3.27 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.90 %</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:8pt;font-weight:400;line-height:120%">3.50 %</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:8pt;font-weight:400;line-height:120%">10.28 %</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: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%">2.47 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.20 %</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:8pt;font-weight:400;line-height:120%">1.94 %</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:8pt;font-weight:400;line-height:120%">2.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.24 %</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:8pt;font-weight:400;line-height:120%">3.54 %</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:8pt;font-weight:400;line-height:120%">10.85 %</span></td></tr><tr><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%">2.53 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.40 %</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:8pt;font-weight:400;line-height:120%">1.74 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.60 %</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:8pt;font-weight:400;line-height:120%">3.18 %</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:8pt;font-weight:400;line-height:120%">4.14 %</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:8pt;font-weight:400;line-height:120%">3.79 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.05 %</span></td></tr><tr><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%">2.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.63 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.69 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.74 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.11 %</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:8pt;font-weight:400;line-height:120%">4.18 %</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:8pt;font-weight:400;line-height:120%">3.46 %</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:8pt;font-weight:400;line-height:120%">11.15 %</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:8pt;font-weight:400;line-height:120%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.13 %</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:8pt;font-weight:400;line-height:120%">8.98 %</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:8pt;font-weight:400;line-height:120%">1.43 %</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:8pt;font-weight:400;line-height:120%">2.83 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.99 %</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:8pt;font-weight:400;line-height:120%">5.07 %</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:8pt;font-weight:400;line-height:120%">3.46 %</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:8pt;font-weight:400;line-height:120%">11.20 %</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%">2023</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%">(0.36) %</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%">6.88 %</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%">(3.01) %</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%">8.28 %</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%">1.24 %</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%">10.11 %</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: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%">1.99 %</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:8pt;font-weight:400;line-height:120%">6.82 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4.04) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.47 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.25 %</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: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%">3.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.95 %</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:8pt;font-weight:400;line-height:120%">10.15 %</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:8pt;font-weight:400;line-height:120%">2.33 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.56 %</span></td></tr><tr><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%">2.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.03 %</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:8pt;font-weight:400;line-height:120%">8.95 %</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:8pt;font-weight:400;line-height:120%">3.03 %</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:8pt;font-weight:400;line-height:120%">11.32 %</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: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%">2.72 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.50 %</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:8pt;font-weight:400;line-height:120%">1.98 %</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:8pt;font-weight:400;line-height:120%">7.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.24 %</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:8pt;font-weight:400;line-height:120%">10.60 %</span></td></tr><tr><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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.46 %</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:8pt;font-weight:400;line-height:120%">2.00 %</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%">6.60 %</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:8pt;font-weight:400;line-height:120%">3.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.09 %</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:99.739%"><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 geographical areas</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: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%">2023</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%">2.21 %</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%">12.40 %</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%">(2.28) %</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%">3.20 %</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%">2.85 %</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%">5.49 %</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%">3.37 %</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%">9.94 %</span></td></tr><tr><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%">0.86 %</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:8pt;font-weight:400;line-height:120%">13.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.54) %</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:8pt;font-weight:400;line-height:120%">2.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.45 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.33) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.73 %</span></td></tr><tr><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%">2.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.00 %</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%">2.13 %</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:8pt;font-weight:400;line-height:120%">3.43 %</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:8pt;font-weight:400;line-height:120%">4.03 %</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:8pt;font-weight:400;line-height:120%">2.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.92 %</span></td></tr><tr><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%">2.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.98 %</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:8pt;font-weight:400;line-height:120%">1.22 %</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:8pt;font-weight:400;line-height:120%">2.53 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.33 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.00 %</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%">3.71 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.43 %</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: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%">2.30 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.93 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.18 %</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:8pt;font-weight:400;line-height:120%">3.39 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.32 %</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:8pt;font-weight:400;line-height:120%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.09 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.57 %</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:8pt;font-weight:400;line-height:120%">0.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.79 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.13 %</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:8pt;font-weight:400;line-height:120%">5.07 %</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:8pt;font-weight:400;line-height:120%">3.39 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.36 %</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%">2023</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%">(1.04) %</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%">6.91 %</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%">(4.16) %</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%">8.49 %</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%">0.87 %</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%">10.15 %</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: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%">(0.60) %</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:8pt;font-weight:400;line-height:120%">7.03 %</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:8pt;font-weight:400;line-height:120%">(8.75) %</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:8pt;font-weight:400;line-height:120%">11.46 %</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:8pt;font-weight:400;line-height:120%">0.15 %</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:8pt;font-weight:400;line-height:120%">11.51 %</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: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%">2.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.02 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.03 %</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:8pt;font-weight:400;line-height:120%">11.84 %</span></td></tr><tr><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%">2.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.92 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.54 %</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:8pt;font-weight:400;line-height:120%">3.03 %</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:8pt;font-weight:400;line-height:120%">11.59 %</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: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%">2.72 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.71 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.82 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.17 %</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:8pt;font-weight:400;line-height:120%">3.24 %</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:8pt;font-weight:400;line-height:120%">10.90 %</span></td></tr><tr><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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.66 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.08 %</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:8pt;font-weight:400;line-height:120%">3.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.29 %</span></td></tr></table></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%">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><div style="margin-bottom:10pt;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, 2024</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: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%">Total Portfolio</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:5pt;font-weight:700;line-height:120%">Retail</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:5pt;font-weight:700;line-height:120%">Companies</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:5pt;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;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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">153</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">135</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">74</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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 #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">72</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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 #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-left:1pt solid #FFFFFF;border-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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(170)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(145)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(89)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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="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="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:bottom"><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="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="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="background-color:#dbdbdb;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:6pt;font-weight:400;line-height:120%">(27)</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="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, 2023</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: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%">Total Portfolio</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:5pt;font-weight:700;line-height:120%">Retail</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:5pt;font-weight:700;line-height:120%">Companies</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:5pt;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;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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">222</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">188</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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 #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">94</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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 #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">92</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-left:1pt solid #FFFFFF;border-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:bottom"><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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(165)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(89)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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="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="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:bottom"><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="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="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="background-color:#dbdbdb;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:6pt;font-weight:400;line-height:120%">(32)</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="background-color:#dbdbdb;padding:0 1pt"></td></tr></table></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%">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 such 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, including the relevant Global Risk Management Committee (among the GRMC 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%">As of December 31, 2023, &#8364;227 million were recorded as adjustments in Spain due to the review of the Loss Given Default (LGD) of certain specific operations considered unlikely to pay mainly related to the mortgage portfolio, and &#8364;25 million in adjustments were recorded at a contract level in Turkey, due to the reclassification to Stage 2 of the credit exposure recorded in the five cities most affected by the February 2023 earthquake.</span></div><div style="margin-bottom:10pt;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, 2024, adjustments totaled &#8364;33 million at a Group level, and were the result of (i) new adjustments recorded in Spain as result of the damage caused by the torrential rains and floods - Isolated Depression at High Levels (DANA) - in different Spanish municipalities between October 28 and November 4, 2024; (ii) the elimination of the adjustments related to Spain referred to in the preceding paragraph, given that the criteria for making such adjustments was incorporated as part of the Group&#180;s models for estimating expected loss, following the annual exercise of parameter recalibration for estimating expected loss; and (iii) the elimination of the adjustments related to Turkey referred to in the preceding paragraph due to the evolution of payment behavior of borrowers in the affected area.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Credit risk exposure</span><div style="margin-bottom:10pt;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 credit risk exposure by headings in the consolidated balance sheets as of December 31, 2024, 2023 and 2022 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 category of financial instruments:</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: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 2024</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%">72,945</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%">6,760</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%">27,955</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%">38,230</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%">10,546</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%">9,782</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%">407</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%">358</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%">836</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%">53,229</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%">59,115</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%">1,451</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%">57,639</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">55,315</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,309</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">&#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></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%">514,086</span></td><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%">467,910</span></td><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%">31,930</span></td><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%">14,246</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%">59,070</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%">58,887</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%">149</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%">34</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">8,261</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%">8,261</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%">&#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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">22,668</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,658</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">424,087</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%">378,104</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%">31,772</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,211</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%">710,757</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%">262,233</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%">253,291</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%">8,150</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%">791</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%">188,515</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%">182,830</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%">5,524</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%">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: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%">22,503</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21,513</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">798</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">192</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">51,215</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,948</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:7pt;font-weight:400;line-height:120%">1,828</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">439</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%">972,990</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: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: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/>2023</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%">106,749</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%">4,589</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%">28,569</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%">73,590</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%">8,737</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%">7,963</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%">484</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%">290</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%">955</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%">48,747</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%">62,289</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%">1,217</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%">61,047</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60,255</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:7pt;font-weight:400;line-height:120%">771</span></td><td colspan="3" style="padding:2px 1pt;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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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:7pt;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: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></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%">463,130</span></td><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%">410,590</span></td><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%">38,061</span></td><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%">14,478</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%">49,544</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%">49,403</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%">108</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%">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%">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%">7,176</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%">7,176</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%">&#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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">17,498</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,478</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">388,912</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">336,533</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,935</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%">14,444</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%">690,606</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%">214,283</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%">204,842</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%">8,411</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%">1,030</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%">152,868</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%">147,376</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%">5,326</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%">165</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">18,839</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:7pt;font-weight:400;line-height:120%">17,612</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">998</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">229</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">42,577</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,854</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,087</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%">636</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%">904,889</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 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%">December 2022 &#8317;&#185;&#8318;</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%">70,763</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%">4,404</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%">24,367</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%">41,993</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%">6,888</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%">6,511</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%">129</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%">247</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%">913</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%">53,101</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%">65,497</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%">1,198</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%">64,273</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63,425</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">822</span></td><td colspan="3" style="padding:2px 1pt;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</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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:7pt;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: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></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%">425,803</span></td><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%">378,407</span></td><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%">33,873</span></td><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%">13,523</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%">36,730</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%">36,463</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%">237</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%">30</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">4,420</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,420</span></td><td colspan="3" style="padding:2px 1pt;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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">16,066</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:7pt;font-weight:400;line-height:120%">15,997</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;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: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%">368,588</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">321,528</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:7pt;font-weight:400;line-height:120%">33,568</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,493</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%">622,965</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%">192,568</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%">181,427</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%">9,993</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%">1,147</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%">136,920</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%">130,459</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%">6,283</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%">177</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">16,511</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,214</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:7pt;font-weight:400;line-height:120%">1,015</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">281</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">39,137</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%">35,753</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,695</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:7pt;font-weight:400;line-height:120%">689</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%">815,533</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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="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%">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:10pt;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, 2024, there are no financial assets classified as purchased or originated credit impaired in the consolidated balance sheets 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%">The breakdown by geographical area and stage 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, 2024, 2023 and 2022 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 2024 (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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">232,185</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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">208,969</span></td><td colspan="3" style="border-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%">15,637</span></td><td colspan="3" style="border-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%">7,579</span></td><td colspan="3" style="border-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%">(4,684)</span></td><td colspan="3" style="border-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%">(543)</span></td><td colspan="3" style="border-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%">(631)</span></td><td colspan="3" style="border-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%">(3,510)</span></td><td colspan="3" style="border-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%">227,501</span></td><td colspan="3" style="border-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%">208,426</span></td><td colspan="3" style="border-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%">15,006</span></td><td colspan="3" style="border-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%">4,069</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">91,717</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83,053</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%">6,147</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,517</span></td><td colspan="3" style="padding:2px 1pt;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%">(1,210)</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%">(542)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,303)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88,662</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%">81,843</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%">5,605</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,214</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%">50,083</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,708</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,534</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,841</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%">(1,784)</span></td><td colspan="3" style="padding:2px 1pt;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%">(390)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,151)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,299</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:7pt;font-weight:400;line-height:120%">42,465</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,144</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">690</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%">48,897</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,204</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%">4,431</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%">2,262</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,079)</span></td><td colspan="3" style="padding:2px 1pt;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%">(283)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,403)</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%">46,818</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%">41,811</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,148</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">860</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">1,205</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%">1,170</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">(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: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%">(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%">1,197</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,170</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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></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%">424,087</span></td><td colspan="3" 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%">378,104</span></td><td colspan="3" 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%">31,772</span></td><td colspan="3" 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%">14,211</span></td><td colspan="3" 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%">(11,611)</span></td><td colspan="3" 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%">(2,389)</span></td><td colspan="3" 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%">(1,847)</span></td><td colspan="3" 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%">(7,374)</span></td><td colspan="3" 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%">412,477</span></td><td colspan="3" 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%">375,715</span></td><td colspan="3" 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%">29,925</span></td><td colspan="3" 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%">6,837</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%">(1,532)</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%">(13)</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%">(321)</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%">(1,197)</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%">(10,079)</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%">(2,376)</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%">(1,526)</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%">(6,177)</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%">(1) Spain includes all countries where BBVA, S.A. operates.</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%">(2) Turkey includes all countries in which Garanti BBVA operates.</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%">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</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%">(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, 2024, the remaining balance was &#8364;107 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize. </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 2023 (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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">214,522</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%">183,503</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%">22,953</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%">8,066</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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,593)</span></td><td colspan="3" style="border-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%">(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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(714)</span></td><td colspan="3" style="border-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%">(3,375)</span></td><td colspan="3" style="border-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%">209,929</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%">183,000</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%">22,239</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%">4,690</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">91,086</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:7pt;font-weight:400;line-height:120%">81,619</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,995</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,472</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,049)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,097)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(620)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,332)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88,037</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80,522</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:7pt;font-weight:400;line-height:120%">6,375</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%">1,140</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%">39,058</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,105</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,234</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%">1,719</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,641)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(167)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">(1,160)</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%">37,416</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,938</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%">2,920</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559</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%">43,151</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36,237</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,738</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,176</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%">(1,976)</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%">(319)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">(1,280)</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:7pt;font-weight:400;line-height:120%">41,175</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35,918</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,362</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">896</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">1,094</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,069</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">(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%">(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%">(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%">1,085</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,068</span></td><td colspan="3" style="padding:2px 1pt;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</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%">388,912</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:7pt;font-weight:700;line-height:120%">336,533</span></td><td colspan="3" 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%">37,935</span></td><td colspan="3" 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%">14,444</span></td><td colspan="3" 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%">(11,269)</span></td><td colspan="3" 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%">(2,087)</span></td><td colspan="3" 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%">(2,026)</span></td><td colspan="3" 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%">(7,156)</span></td><td colspan="3" 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%">377,643</span></td><td colspan="3" 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%">334,446</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:7pt;font-weight:700;line-height:120%">35,909</span></td><td colspan="3" 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%">7,287</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%">(1,665)</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%">(15)</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%">(471)</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%">(1,179)</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%">(9,604)</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%">(2,072)</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%">(1,555)</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%">(5,977)</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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Spain includes all countries where BBVA, S.A. operates.</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%">(2) Turkey includes all countries in which Garanti BBVA operates.</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%">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</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%">(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, 2023 the remaining balance was &#8364;142 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize.</span></div><div style="text-align:justify"><span><br/></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: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;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:7pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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 &#8317;&#178;&#8318;</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%">214,066</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%">186,977</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%">19,621</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%">7,468</span></td><td colspan="3" style="border-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%">(4,860)</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%">(518)</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%">(759)</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%">(3,583)</span></td><td colspan="3" style="border-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%">209,206</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%">186,459</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%">18,862</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%">3,885</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">73,729</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:7pt;font-weight:400;line-height:120%">66,448</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,342</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,939</span></td><td colspan="3" style="padding:2px 1pt;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%">(955)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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:7pt;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:7pt;font-weight:400;line-height:120%">71,233</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:7pt;font-weight:400;line-height:120%">65,494</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,866</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">873</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 &#8317;&#179;&#8318;</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%">39,547</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,755</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:7pt;font-weight:400;line-height:120%">4,436</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,356</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:7pt;font-weight:400;line-height:120%">(2,105)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(224)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(358)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,523)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,443</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,531</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:7pt;font-weight:400;line-height:120%">4,078</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">833</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 &#8317;&#8308;&#8318;</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%">40,199</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,312</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:7pt;font-weight:400;line-height:120%">4,166</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%">1,721</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,768)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(318)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(345)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,105)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38,431</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%">33,994</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%">3,821</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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%">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%">1,047</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,035</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">&#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%">(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%">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%">1,035</span></td><td colspan="3" style="padding:2px 1pt;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%">2</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 &#8317;&#8309;&#8318;</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%">368,588</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%">321,528</span></td><td colspan="3" 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%">33,568</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:7pt;font-weight:700;line-height:120%">13,493</span></td><td colspan="3" 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%">(11,237)</span></td><td colspan="3" 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%">(2,014)</span></td><td colspan="3" 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%">(1,938)</span></td><td colspan="3" 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%">(7,284)</span></td><td colspan="3" 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%">357,351</span></td><td colspan="3" 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%">319,513</span></td><td colspan="3" 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%">31,629</span></td><td colspan="3" 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%">6,208</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%">(2,164)</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:7pt;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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(604)</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%">(1,539)</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%">(9,073)</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%">(1,994)</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%">(1,334)</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%">(5,745)</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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Spain includes all countries where BBVA, S.A. operates.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Turkey includes all countries in which Garanti BBVA operates.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4)  In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(5) 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.</span></div><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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 2024 (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: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%">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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">22,133</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%">21,982</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%">125</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%">26</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%">(23)</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%">(8)</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%">(7)</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%">(8)</span></td><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%">22,111</span></td><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%">21,974</span></td><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%">118</span></td><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</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">17,524</span></td><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%">17,040</span></td><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%">471</span></td><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%">12</span></td><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%">(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:7pt;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:#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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">17,497</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,027</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;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: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%">197,521</span></td><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%">179,727</span></td><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%">12,780</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:7pt;font-weight:400;line-height:120%">5,014</span></td><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%">(4,134)</span></td><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%">(639)</span></td><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%">(636)</span></td><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%">(2,859)</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%">193,386</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%">179,087</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%">12,143</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%">2,156</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">186,910</span></td><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%">159,355</span></td><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%">18,396</span></td><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%">9,158</span></td><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%">(7,427)</span></td><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%">(1,729)</span></td><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%">(1,199)</span></td><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%">(4,499)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">179,483</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">157,627</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,197</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,659</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%">424,087</span></td><td colspan="3" 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%">378,104</span></td><td colspan="3" 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%">31,772</span></td><td colspan="3" 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%">14,211</span></td><td colspan="3" 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%">(11,611)</span></td><td colspan="3" 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%">(2,389)</span></td><td colspan="3" 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%">(1,847)</span></td><td colspan="3" 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%">(7,374)</span></td><td colspan="3" 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%">412,477</span></td><td colspan="3" 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%">375,715</span></td><td colspan="3" 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%">29,925</span></td><td colspan="3" 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%">6,837</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;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%">December 2023 (Millions of Euros)</span></div></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: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%">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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">23,294</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%">23,105</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%">164</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%">25</span></td><td colspan="3" style="border-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)</span></td><td colspan="3" style="border-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%">(9)</span></td><td colspan="3" style="border-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%">(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%">(7)</span></td><td colspan="3" style="border-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%">23,265</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%">23,096</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%">152</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%">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: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%">13,271</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:7pt;font-weight:400;line-height:120%">13,072</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">(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%">(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: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%">(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%">13,251</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,062</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">175,337</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">154,519</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,299</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:7pt;font-weight:400;line-height:120%">5,520</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%">(4,274)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(517)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(795)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,962)</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:7pt;font-weight:400;line-height:120%">171,063</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:7pt;font-weight:400;line-height:120%">154,002</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,503</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,558</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">177,009</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%">145,837</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,286</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%">8,886</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%">(6,946)</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%">(1,552)</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:7pt;font-weight:400;line-height:120%">(1,214)</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:7pt;font-weight:400;line-height:120%">(4,180)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">170,063</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:7pt;font-weight:400;line-height:120%">144,285</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21,071</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,706</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%">388,912</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:7pt;font-weight:700;line-height:120%">336,533</span></td><td colspan="3" 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%">37,935</span></td><td colspan="3" 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%">14,444</span></td><td colspan="3" 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%">(11,269)</span></td><td colspan="3" 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%">(2,087)</span></td><td colspan="3" 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%">(2,026)</span></td><td colspan="3" 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%">(7,156)</span></td><td colspan="3" 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%">377,643</span></td><td colspan="3" 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%">334,446</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:7pt;font-weight:700;line-height:120%">35,909</span></td><td colspan="3" 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%">7,287</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;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%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></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: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%">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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">20,922</span></td><td colspan="3" style="border-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%">20,582</span></td><td colspan="3" style="border-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%">302</span></td><td colspan="3" style="border-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%">38</span></td><td colspan="3" style="border-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%">(30)</span></td><td colspan="3" style="border-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%">(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:7pt;font-weight:400;line-height:120%">(11)</span></td><td colspan="3" style="border-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)</span></td><td colspan="3" style="border-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%">20,892</span></td><td colspan="3" style="border-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%">20,574</span></td><td colspan="3" style="border-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%">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:'Arial',sans-serif;font-size:7pt;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: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%">12,802</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,548</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">238</span></td><td colspan="3" style="padding:2px 1pt;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%">(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%">(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%">(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%">12,765</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,533</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">170,929</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">149,501</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,087</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%">6,340</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,495)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">(991)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,829)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">165,433</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">148,826</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,096</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,511</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">163,936</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">138,896</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:7pt;font-weight:400;line-height:120%">17,941</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,098</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,675)</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:7pt;font-weight:400;line-height:120%">(1,316)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,434)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">158,261</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%">137,580</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%">17,017</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%">3,663</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%">368,588</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%">321,528</span></td><td colspan="3" 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%">33,568</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:7pt;font-weight:700;line-height:120%">13,493</span></td><td colspan="3" 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%">(11,237)</span></td><td colspan="3" 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%">(2,014)</span></td><td colspan="3" 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%">(1,938)</span></td><td colspan="3" 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%">(7,284)</span></td><td colspan="3" 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%">357,351</span></td><td colspan="3" 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%">319,513</span></td><td colspan="3" 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%">31,629</span></td><td colspan="3" 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%">6,208</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="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%">The breakdown by type of counterparty and product, net of loss allowances, and the gross carrying amount by type of counterparty as of December 31, 2024, 2023 and 2022 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 2024 (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%">&#8212;</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%">8</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%">&#8212;</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%">59</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%">3,140</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%">2,099</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%">5,307</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%">5,521</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:#ffffff;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:bottom"><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:bottom"><span 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:bottom"><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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,268</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%">25,449</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%">27,721</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%">29,669</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%">1,077</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%">71</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%">1,244</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%">29,247</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%">125</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%">31,764</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%">32,023</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%">&#8212;</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%">171</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%">&#8212;</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%">11</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%">9,672</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%">270</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%">10,125</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%">10,364</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%">&#8212;</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%">219</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%">9,157</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%">44</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%">&#8212;</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%">&#8212;</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%">9,420</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%">9,422</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%">7,803</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%">20,519</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%">7,529</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%">11,771</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%">148,167</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%">151,313</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%">347,102</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%">356,002</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%">452</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%">117</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%">5,960</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%">4,365</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%">1,084</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%">353</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%">12,330</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%">12,397</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%">8,255</span></td><td colspan="3" 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%">22,111</span></td><td colspan="3" 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%">22,719</span></td><td colspan="3" 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%">17,497</span></td><td colspan="3" 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%">193,579</span></td><td colspan="3" 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%">179,610</span></td><td colspan="3" 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%">443,769</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:6pt;font-weight:700;line-height:120%">455,399</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%">245</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%">&#8212;</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%">680</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%">29,307</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%">97,627</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%">127,860</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%">130,633</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%">&#8212;</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%">6,059</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%">9,628</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%">530</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%">10,996</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%">2,648</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%">29,861</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%">30,129</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%">67,446</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%">67,446</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%">72,447</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%">98,570</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%">98,570</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%">100,218</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%">6,669</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%">6,669</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%">6,901</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 2023 (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%">&#8212;</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%">6</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%">&#8212;</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%">73</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%">1,933</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%">1,028</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%">3,040</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%">3,175</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:6pt;font-weight:400;line-height:120%">Credit card debt</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">1</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">2</span></td><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%">1,927</span></td><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%">20,959</span></td><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%">22,890</span></td><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%">24,454</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%">960</span></td><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%">76</span></td><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%">586</span></td><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%">23,462</span></td><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%">88</span></td><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%">25,171</span></td><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%">25,346</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%">&#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:6pt;font-weight:400;line-height:120%">225</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">12</span></td><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%">8,940</span></td><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%">285</span></td><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%">9,463</span></td><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%">9,714</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%">1,345</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">5,786</span></td><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%">92</span></td><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%">&#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:6pt;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:6pt;font-weight:400;line-height:120%">7,223</span></td><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%">7,234</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%">4,878</span></td><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%">21,662</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:6pt;font-weight:400;line-height:120%">5,329</span></td><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%">9,300</span></td><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%">134,024</span></td><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%">147,491</span></td><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%">322,683</span></td><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%">331,813</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%">927</span></td><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%">412</span></td><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%">6,312</span></td><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%">3,186</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:6pt;font-weight:400;line-height:120%">956</span></td><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%">324</span></td><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%">12,116</span></td><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%">12,164</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;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">7,151</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">23,265</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">17,502</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">13,251</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">171,241</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">170,175</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">402,586</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #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%">413,901</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;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">271</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: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:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">526</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:6pt;font-style:italic;font-weight:400;line-height:120%">24,829</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:6pt;font-style:italic;font-weight:400;line-height:120%">96,772</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:6pt;font-style:italic;font-weight:400;line-height:120%">122,397</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:6pt;font-style:italic;font-weight:400;line-height:120%">125,328</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">1,347</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:6pt;font-style:italic;font-weight:400;line-height:120%">6,933</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:6pt;font-style:italic;font-weight:400;line-height:120%">4,558</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:6pt;font-style:italic;font-weight:400;line-height:120%">465</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:6pt;font-style:italic;font-weight:400;line-height:120%">10,938</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:6pt;font-style:italic;font-weight:400;line-height:120%">2,430</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:6pt;font-style:italic;font-weight:400;line-height:120%">26,671</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:6pt;font-style:italic;font-weight:400;line-height:120%">26,963</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">59,892</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:6pt;font-style:italic;font-weight:400;line-height:120%">59,892</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:6pt;font-style:italic;font-weight:400;line-height:120%">64,303</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">97,555</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:6pt;font-style:italic;font-weight:400;line-height:120%">97,555</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:6pt;font-style:italic;font-weight:400;line-height:120%">99,224</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">7,181</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">7,181</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:6pt;font-style:italic;font-weight:400;line-height:120%">7,743</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;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:6pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></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%">&#8212;</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%">6</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%">&#8212;</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%">352</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%">2,810</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%">933</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%">4,101</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%">4,266</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%">Credit card debt</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">1</span></td><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%">&#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:6pt;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:6pt;font-weight:400;line-height:120%">2,029</span></td><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%">16,865</span></td><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%">18,898</span></td><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%">19,985</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%">1,021</span></td><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%">24</span></td><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%">370</span></td><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%">24,510</span></td><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%">85</span></td><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%">26,011</span></td><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%">26,254</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%">&#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:6pt;font-weight:400;line-height:120%">195</span></td><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%">&#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:6pt;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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8,040</span></td><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%">322</span></td><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%">8,571</span></td><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%">8,857</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%">302</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">5,251</span></td><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%">102</span></td><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%">&#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:6pt;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:6pt;font-weight:400;line-height:120%">5,655</span></td><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%">5,674</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%">3,802</span></td><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%">19,438</span></td><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%">4,009</span></td><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%">7,995</span></td><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%">126,949</span></td><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%">139,925</span></td><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%">302,118</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:6pt;font-weight:400;line-height:120%">311,553</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%">296</span></td><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%">232</span></td><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%">6,772</span></td><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%">3,930</span></td><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%">1,256</span></td><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%">217</span></td><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%">12,702</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:6pt;font-weight:400;line-height:120%">12,758</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%">4,401</span></td><td colspan="3" 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%">20,892</span></td><td colspan="3" 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%">16,057</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:6pt;font-weight:700;line-height:120%">12,765</span></td><td colspan="3" 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%">165,593</span></td><td colspan="3" 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%">158,348</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:6pt;font-weight:700;line-height:120%">378,056</span></td><td colspan="3" 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%">389,347</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%">297</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%">&#8212;</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%">337</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%">23,970</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%">95,056</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%">119,659</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%">122,719</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%">498</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%">5,382</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%">5,073</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%">548</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%">6,635</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%">2,209</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%">20,345</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%">20,675</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%">51,344</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%">51,344</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%">54,718</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%">95,249</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%">95,249</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%">96,716</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%">7,942</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%">7,942</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%">8,530</span></td></tr></table></div><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Mitigation of credit risk, collateralized credit risk and other credit enhancements</span><div style="margin-bottom:10pt;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</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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, 2024 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, 2024, 2023 and 2022, the BBVA Group had no significant 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><div style="margin-bottom:10pt;margin-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 7.2.5), shown by type of collateral, as of December 31, 2024, 2023 and 2022, 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 2024</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%">14,213</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%">2,889</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%">573</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%">8</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%">91</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%">1,153</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 2023</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,446</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,167</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">91</span></td><td colspan="3" style="border-left:1pt 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%">1,226</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 2022</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%">13,493</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%">2,537</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%">849</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%">3</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%">52</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%">984</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 value of guarantees received as of December 31, 2024, 2023 and 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:99.893%"><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%">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%">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%">2022</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%">144,844</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%">136,141</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%">125,963</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%">11,318</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%">14,274</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%">12,826</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%">3,562</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%">4,035</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%">3,440</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%">56,589</span></td><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%">53,462</span></td><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%">40,050</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%">4,273</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%">4,864</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%">4,963</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%">1,153</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:8pt;font-style:italic;font-weight:400;line-height:120%">1,226</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%">984</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%">201,433</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">189,602</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">166,013</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 maximum credit risk exposure of impaired financial guarantees and other commitments as of December 31, 2024, 2023 and 2022 amounts to &#8364;791 million, &#8364;1,030 million and &#8364;1,147 million, respectively (see Note 7.2.2).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Credit quality of financial assets that are neither past due nor impaired</span><div style="margin-bottom:10pt;margin-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><div style="margin-bottom:10pt;margin-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="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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><div style="margin-bottom:10pt;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: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 outlines the distribution of the gross carrying amount of loans and advances to customers, contingent risk and commitments, in percentage terms, of the BBVA Group, based on their probability of default within 12 months and internal rating &#160;&#160;&#160;&#160;used in the calculation of the expected loss under IFRS 9, and their stages, as of December 31, 2024, 2023 and 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:12.151%"></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: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:11.380%"></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:11.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.385%"></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%">Probability of default (basis points) and internal rating</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: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%">2024</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%">2023</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;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%">2022 &#8317;&#185;&#8318;</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-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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subject to lifetime ECL (stage 2)</span></div></td></tr><tr><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-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Internal rating</span></div></td><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:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PDs</span></div></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;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 #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%">%</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%">AAA</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%">0 to 2</span></td><td colspan="2" style="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%">3.2&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">3.8&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">5.5&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">0.1&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">AA+ to AA-</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%">2 to 5</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%">9.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">10.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">19.4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.3&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">A+ to A-</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%">5 to 11</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%">17.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">25.4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">19.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">BBB+ to BBB-</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%">11 to 39</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%">29.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">21.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.3&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">18.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">BB+ to BB-</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%">39 to 194</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%">23.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">20.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">2.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">18.4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">B+ to B-</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%">194 to 1,061</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%">10.2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">8.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">2.2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">9.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">2.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">CCC+ to CCC-</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%">1,061 to 2,121</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%">1.2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">CC+ to C</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%">&gt; 2,121</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%">0.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">94.5</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">5.5</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">92.4</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">7.6</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">92.3</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">7.7</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 #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Data corresponding to the year 2022, does not include commitments nor contingent liabilities.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Impaired loan risks</span><div style="margin-bottom:10pt;margin-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 type of counterparty, including their respective gross carrying amount, impaired amount and accumulated impairment as of December 31, 2024, 2023 and 2022 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:55.910%"></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="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 2024 (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="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross carrying amount</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:8pt;font-weight:700;line-height:120%">Impaired loans and advances</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:8pt;font-weight:700;line-height:120%">Accumulated impairment </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 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:8pt;font-weight:400;line-height:120%">8,261</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="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%">(6)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,133</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;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-left:1pt 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%">(23)</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,668</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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="padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,524</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%">12</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%">(26)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">197,521</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,014</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,134)</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%">Households</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%">186,910</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%">9,158</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%">(7,427)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;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 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:8pt;font-weight:700;line-height:120%">455,016</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,630)</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: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="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 2023 (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="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:8pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" 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;padding-left:0.18pt;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%">Impaired loans and advances</span></div></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:8pt;font-weight:700;line-height:120%">Accumulated impairment </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 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:8pt;font-weight:400;line-height:120%">7,176</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="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%">(25)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,294</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">(29)</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,498</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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)</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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,271</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%">12</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%">(20)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">175,337</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,520</span></td><td colspan="3" style="border-left:1pt 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%">(4,274)</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%">Households</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%">177,009</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%">8,886</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%">(6,946)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;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 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:8pt;font-weight:700;line-height:120%">413,585</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,446</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%">(11,316)</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:99.585%"><tr><td style="width:1.0%"></td><td style="width:56.241%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.119%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.119%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.121%"></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;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></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="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross carrying amount</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:8pt;font-weight:700;line-height:120%">Impaired loans and advances</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:8pt;font-weight:700;line-height:120%">Accumulated impairment </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 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:8pt;font-weight:400;line-height:120%">4,420</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="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%">(19)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,922</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-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%">(30)</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,066</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%">&#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%">(35)</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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,802</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%">17</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%">(37)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170,929</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,340</span></td><td colspan="3" style="border-left:1pt 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%">(5,495)</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%">Households</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%">163,936</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%">7,098</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%">(5,675)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;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 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:8pt;font-weight:700;line-height:120%">389,073</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,291)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">The changes during the years 2024, 2023 and 2022 of impaired financial assets and guarantees given are as follows:</span></div><div style="margin-bottom:6pt;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%">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%">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%">2022</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%">15,362</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,521</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,467</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="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%">12,255</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%">11,066</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%">8,084</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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,346)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,795)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,742)</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%">4,909</span></td><td colspan="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%">5,272</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,342</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%">(4,559)</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%">(3,770)</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%">(2,771)</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%">(820)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(660)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(517)</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;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%">14,891</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,362</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,521</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(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.</span></div><div style="text-align:justify"><span><br/></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:120%">The changes during the years 2024, 2023 and 2022 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%">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%">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%">2022</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%">24,787</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,595</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,990</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%">Companies held for sale</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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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="padding:2px 1pt;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%">3,547</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,841</span></td><td colspan="3" style="border-left:1pt 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%">2,871</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%">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%">(2,801)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,035)</span></td><td colspan="3" style="border-left:1pt 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%">(2,431)</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%">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="border-left:1pt 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%">(2)</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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(369)</span></td><td colspan="3" style="border-left:1pt 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%">(390)</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%">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(3)</span></td><td colspan="3" style="border-left:1pt 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%">(25)</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">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,719)</span></td><td colspan="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%">(1,201)</span></td><td colspan="3" style="border-left:1pt 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%">(1,498)</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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(410)</span></td><td colspan="3" style="border-left:1pt 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%">(368)</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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(51)</span></td><td colspan="3" style="border-left:1pt 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%">(147)</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%">(189)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">385</span></td><td colspan="3" style="border-left:1pt 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%">165</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%">25,343</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%">24,787</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%">22,595</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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes principal and interest.</span></div><div style="text-align:justify"><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%">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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Gross carrying amount and loss allowances</span><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 2024, 2023 and 2022 are recorded on the consolidated balance sheet as of December 31, 2024, 2023 and 2022 in order to cover the estimated impairment or reversal of impairment on loans and advances 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 carrying amount of loans and advances at amortized cost. Year 2024 (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-style:italic;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-style:italic;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-style:italic;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%">361,186</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%">37,953</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:8pt;font-weight:700;line-height:120%">14,446</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%">413,585</span></td></tr><tr><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%">(4,032)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,625</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,407</span></td><td colspan="3" style="padding:2px 1pt;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">(11,840)</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%">11,840</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%">&#8212;</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%">&#8212;</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%">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%">9,830</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%">(9,830)</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%">&#8212;</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%">&#8212;</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%">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%">(3,260)</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%">(1,949)</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%">5,208</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%">&#8212;</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%">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%">1,238</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%">1,564</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%">(2,801)</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%">&#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: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%">64,222</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,378)</span></td><td colspan="3" style="padding:2px 1pt;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%">58,952</span></td></tr><tr><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%">(333)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(112)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,149)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,594)</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%">(13,508)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,137)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(557)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15,203)</span></td></tr><tr><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%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',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:'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%">1,460</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(250)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(78)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,131</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%">409,023</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,780</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">455,016</span></td></tr></table></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%">During 2024, the criteria for identifying significant increases in credit risk were reviewed and updated. As part of this update, certain short-term portfolio transactions, as well as those meeting the expanded definition of the low credit risk exception (see Note 2.2.1), have been exempted from transfer to Stage 2 based on certain quantitative criteria. These changes have led to a significant reduction in the Stage 2 balance at the Group level during the last quarter of 2024, with the impact of these measures primarily concentrated in BBVA, S.A.</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 allowances of loans and advances at amortized cost. Year 2024 (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-style:italic;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-style:italic;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-style:italic;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%">(2,131)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,026)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,158)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,316)</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: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%">105</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,766)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,031)</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%">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%">103</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%">(697)</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%">&#8212;</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%">(594)</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%">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%">(53)</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%">327</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%">&#8212;</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%">275</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%">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%">93</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%">146</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%">(3,498)</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%">(3,259)</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%">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%">(38)</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%">(146)</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%">732</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%">548</span></td></tr><tr><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%">(1,059)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,125)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,174)</span></td></tr><tr><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%">321</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,909</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,337</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%">325</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">213</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,075</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,613</span></td></tr><tr><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%">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%">35</span></td><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(304)</span></td></tr><tr><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%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">246</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%">(2,406)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,848)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,375)</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:8pt;font-weight:700;line-height:120%">(11,630)</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%">For the year ended December 31, 2024, 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;5,745 million (&#8364;4,428 million and &#8364;3,379 million for the years ended December 31, 2023 and 2022, respectively) (see Note 47).</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 carrying amount of loans and advances at amortized cost. Year 2023 (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-style:italic;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-style:italic;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-style:italic;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%">341,944</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,636</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%">13,493</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">389,073</span></td></tr><tr><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%">(11,647)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,463</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,184</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:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">(18,172)</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%">18,172</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%">&#8212;</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%">&#8212;</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%">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%">7,639</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%">(7,639)</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%">&#8212;</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%">&#8212;</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%">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%">(3,203)</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%">(2,297)</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%">5,500</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%">&#8212;</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%">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%">2,089</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%">2,226</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%">(4,316)</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%">&#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: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%">34,334</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,233)</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:8pt;font-weight:400;line-height:120%">2,663</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,764</span></td></tr><tr><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%">(186)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,889)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,150)</span></td></tr><tr><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%">(2,833)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(635)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:400;line-height:120%">(3,838)</span></td></tr><tr><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%">(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:8pt;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:8pt;font-weight:400;line-height:120%">476</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">401</span></td></tr><tr><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%">(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:8pt;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:8pt;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:8pt;font-weight:400;line-height:120%">(665)</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%">361,186</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%">37,953</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:8pt;font-weight:700;line-height:120%">14,446</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%">413,585</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: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 2023 (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-style:italic;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-style:italic;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-style:italic;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%">(2,065)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,942)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,284)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,291)</span></td></tr><tr><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%">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:8pt;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:8pt;font-weight:400;line-height:120%">(2,527)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,790)</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%">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%">118</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%">(681)</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%">&#8212;</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%">(563)</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%">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%">(113)</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%">323</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%">&#8212;</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%">210</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%">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%">81</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%">120</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%">(2,935)</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%">(2,734)</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%">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%">(13)</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%">(97)</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%">408</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%">297</span></td></tr><tr><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%">(466)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(846)</span></td></tr><tr><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%">147</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,853</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,071</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%">(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: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:'Arial',sans-serif;font-size:8pt;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:'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%">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%">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:8pt;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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(252)</span></td></tr><tr><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%">229</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="padding:2px 1pt;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</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%">(2,131)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,026)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,158)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,316)</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: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><td colspan="3" style="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><td colspan="3" style="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="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 carrying amount of loans and advances at amortized cost. Year 2022 (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><td colspan="3" style="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><td colspan="3" style="display:none"></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-style:italic;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-style:italic;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-style:italic;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><td colspan="3" style="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><td colspan="3" style="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%">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%">300,167</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%">34,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">349,037</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><td colspan="3" style="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><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%">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%">(5,041)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,914</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:8pt;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:8pt;font-weight:400;line-height:120%">&#8212;</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><td colspan="3" style="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><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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">(12,726)</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%">12,726</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%">&#8212;</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%">&#8212;</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><td colspan="3" style="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><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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">8,537</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%">(8,537)</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%">&#8212;</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%">&#8212;</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><td colspan="3" style="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><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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">(1,941)</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%">(1,831)</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%">3,773</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%">&#8212;</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><td colspan="3" style="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><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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">1,089</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%">1,556</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%">(2,645)</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%">&#8212;</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><td colspan="3" style="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><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%">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%">44,465</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,201)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,522</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><td colspan="3" style="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><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%">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%">(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:8pt;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:8pt;font-weight:400;line-height:120%">(2,432)</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:8pt;font-weight:400;line-height:120%">(2,530)</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><td colspan="3" style="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><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%">Methodological changes and adoption of new standards &#8317;&#185;&#8318;</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%">(672)</span></td><td colspan="3" style="padding:2px 1pt;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%">(672)</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><td colspan="3" style="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><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><td colspan="3" style="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:#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%">2,447</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,004</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><td colspan="3" style="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><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%">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%">(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%">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%">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:8pt;font-weight:400;line-height:120%">140</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><td colspan="3" style="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><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%">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%">643</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(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:8pt;font-weight:400;line-height:120%">231</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">573</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><td colspan="3" style="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><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%">341,944</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,636</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%">13,493</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">389,073</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><td colspan="3" style="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><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) The entire impact corresponds to the application of IFRS 17 (See Note 1.3).</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 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-style:italic;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-style:italic;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-style:italic;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%">(1,990)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,091)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,061)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,142)</span></td></tr><tr><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%">63</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,570)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,473)</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%">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%">110</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%">(397)</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%">&#8212;</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%">(287)</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%">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%">(91)</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%">374</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%">&#8212;</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%">283</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%">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%">51</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%">204</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%">(1,917)</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%">(1,662)</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%">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%">(7)</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%">(148)</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%">347</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%">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: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%">(406)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(273)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(663)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,342)</span></td></tr><tr><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%">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%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,890</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,106</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%">(87)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:#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%">161</span></td></tr><tr><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%">&#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%">48</span></td><td colspan="3" style="padding:2px 1pt;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="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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: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%">168</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">511</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%">(2,065)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,942)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,284)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,291)</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 loss allowances recorded in the balance sheet to cover the impairment estimated in the debt securities amounted to &#8364;169, &#8364;166 and &#8364;214 million as of December 31, 2024, 2023 and 2022, 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 estimated in the commitments and guarantees given amounted to &#8364;667, &#8364;770 and &#8364;770 million as of December 31, 2024, 2023 and 2022, respectively (see Note 24). The variation is mainly driven by changes due to origination and acquisition in Garanti BBVA.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Refinancing and restructuring transactions </span><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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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. Therefore, in all cases the customer shall at least make interest payments, with certain limited exceptions where grace periods are afforded in respect of both principal and interest payments.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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. They may be reclassified to normal risk as long as the significant increase in credit risk has been reversed within two years, although they must remain identified as refinanced/restructured until the minimum two-year trial period ends.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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%">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%.</span></div><div style="margin-bottom:10pt;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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Risk concentration</span><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 geographical 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%">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><div style="margin-bottom:10pt;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 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%">Policies for Risk related to the developer and Real Estate sector in Spain</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:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Risk concentration 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%">As of December 31, 2024, there is no risk concentration in the developer and real estate sector, taking into account that its weight in total wholesale risks in Spain was approxi</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">mately </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">10</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%, while compared with the total risks in the portfolio (wholesale and retail), the Real Estate risk assumed was around </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">4</span><span style="background-color:#ffffff;color:#000000;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%">For quantitative information about the risk related to the developer and Real-Estate sector in Spain see Appendix IX. </span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:13.11pt">Structural risk</span><div style="margin-bottom:10pt;margin-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><div style="margin-bottom:10pt;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 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Interest rate risk and credit spread in the banking book</span><div style="margin-bottom:10pt;margin-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 (hereinafter "IRRBB") is related to the potential impact that variations in market interest rates may have on an entity's earnings, through the impact on net interest income and on the valuation of instruments accounted for at fair value, as well as on the 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%">Furthermore, the credit spread risk in the banking book ("CSRBB") arises from the potential impact on the entity&#180;s earnings and/or the value of equity of the banking book produced by a variation in the level of market credit spreads that are not explained by default or migration 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%">IRRBB and CSRBB management is carried out from a double perspective, the economic value of equity and earnings, including the management of net interest income and the monitorization of banking book instruments accounted at fair value with an impact on the income statement and/or on equity. In addition, the banking book instruments recorded based on their market value (fair value) are subject to specific monitoring, due to their impact on risk and on capital, through other comprehensive income or 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 exposure of a financial entity to adverse interest rates and credit spreads movements is a risk inherent to the development of the banking business, which is also, in turn, an opportunity to create economic value. Therefore, these risks must be effectively managed so that they are 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 IRRBB risk management is to maintain the recurrent generation of earnings in the event of market interest rate fluctuations</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%">,</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> through the contribution to the net interest income and the control of the potential impacts on the mark-to-market</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">of the fair value accounted portfolios,</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">as well as to limit the capital consumption due to structural interest rate risk. Likewise, the spread risk management in banking book portfolios is aimed at limiting the impact on equity derived from changes in 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 maintaining the spread risk at levels aligned with the total volume of the investment portfolio and the equity of the Group, as well as limiting the impact on earnings when market credit spreads change.</span></div><div style="margin-bottom:10pt;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 Asset &amp; Liability Management (hereinafter "ALM") unit, within the Finance area, which, 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%">IRRBB management is decentralized, and is carried out in each entity included in the structural balance sheet (banking book) of the BBVA Group with the supervision and coordination from the corporate unit of Global ALM, 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 of 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%">BBVA's IRRBB and CSRBB in the banking book 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><div style="margin-bottom:10pt;margin-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. In order to provide the required dynamism to enhance the accuracy of assumptions and reflect specific market or management circumstances, risk models and metrics may incorporate parameters or adjustments based on expert judgment, subject to the internal governance measures established in this regard. 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. 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><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 shows the profile of average structural interest rate risk and credit spread risk of the fixed income portfolio in the banking book classified as Held to Collect &amp; Sale (HTC&amp;S) in terms of sensitivities of the main currencies for the BBVA Group in 2024:</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 2024</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="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:8pt;font-weight:700;line-height:120%">Interest rate risk</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:8pt;font-weight:700;line-height:120%">&#160;Credit spread</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;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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on net interest income</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><td colspan="6" 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;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value &#8317;&#178;&#8318;</span></div></td><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;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value &#8317;&#178;&#8318;</span></div></td></tr><tr><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 #000;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%">100 basis point increase</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:700;line-height:120%">100 basis point decrease</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:700;line-height:120%">100 basis point increase</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:700;line-height:120%">100 basis point decrease</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: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 #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%">[0.5% , 1.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-2.5% , -1.5%]</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%">[0.5% , 1.5%]</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;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%">[-1.5% , -0.5%]</span></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</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%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</span></td><td colspan="3" style="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%">[-0.5% , 0.5%]</span></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="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%">[-0.5% , 0.5%]</span></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</span></td><td colspan="3" 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%">[-0.5% , 0.5%]</span></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</span></td><td colspan="3" 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%">[-0.5% , 0.5%]</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">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%">[1.5% , 2.5%]</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%">[-3.5% , -2.5%]</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%">[-3.5% , -2.5%]</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%">[2.5% , 3.5%]</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%">[-1.5% , -0.5%]</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:120%">(1) Percentage of "12 months" net interest income for the BBVA Group.</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%">(2) Percentage of CET1 (Fully Loaded) for BBVA Group.</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:99.431%"><tr><td style="width:1.0%"></td><td style="width:12.986%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.086%"></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 2023</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="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%">Interest rate risk</span></td><td colspan="3" 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%">&#160;Credit spread</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;border-top:1pt solid #000;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%">Impact on net interest income &#8317;&#185;&#8318;</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;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%">Impact on economic value &#8317;&#178;&#8318;</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value &#8317;&#178;&#8318;</span></td></tr><tr><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 #000;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%">100 basis point increase</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100 basis point decrease </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:#072146;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-left:1pt solid #FFFFFF;border-top:1pt solid #000;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%">100 basis point decrease</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:#072146;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 #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%">[0.5% , 1.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</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: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%">[-1.5% , -0.5%]</span></div></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></div></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></div></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></div></td></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;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></div></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">BBVA Group</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%">[1.5% , 3.5%]</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%">[-3.5% , -1.5%]</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%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Percentage of "12 months" net interest income for the BBVA Group.</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%">(2) Percentage of CET1 (Fully Loaded) for 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%">At an aggregate level, BBVA seeks to maintain a limited risk profile, in accordance with the established objective within an environment of a cycle shift towards lower interest rates, 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%">In 2024, the actual and expected evolution of inflation, as well as the response of central banks to it, in addition to geopolitical events, have been the focus of the market's attention. In this sense, expectations regarding the number of rate cuts and their speed have been changing throughout the year, with some episodes of certain volatility.</span></div><div style="margin-bottom:10pt;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, while the ECB began its cycle of rate cuts in June and continued at its September, October and December meetings, the Federal Reserve cut rates in September with an initial 50 basis points, followed by an additional 25 basis points at its November meeting. Over the year as a whole, yield curves steepened, generally with falls in the short end and rises in the longer end. Spreads on peripheral curves continued to be well supported and narrowed during the year. The positivity observed in the American and European curves also carried over to Mexico and much of South America. Turkey, for its part, experienced a rebound in both real and nominal rates during the year. All in all, the Group's debt security portfolios performed heterogeneously during the year, with a notable increase in valuations in Spain, while they fell in 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 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">Spain has a balance sheet characterized by a lending portfolio with a high proportion of variable-rate loans (mortgages and corporate lending) and liabilities composed mainly by customer demand deposits. The ALCO portfolio acts as a management lever and hedge for the balance sheet, mitigating its sensitivity to interest rate fluctuations. In an environment of high rates, the exposure of net interest income to movements in interest rates remains limited.</span></div><div style="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:115%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:9.74pt">The reference interest rate in the Eurozone stood at 3.15% at the end of December 2024, the deposit facility rate at 3.00% and the marginal credit facility rate at 3.40%. Additionally, as announced in March 2024, the ECB reduced the differential between the reference interest rate and the deposit facility rate to 15 basis points in September 2024. Regarding reinvestments under the Pandemic Emergency Purchase Program (PEPP), they were ended at the end of 2024.</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:9pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:9.18pt">Mexico continues to show a balance between fixed and variable interest rates balances, which results in a limited sensitivity to interest rates fluctuations. Among the assets that are most sensitive to interest rate changes, the commercial portfolio stood out, while consumer and mortgage portfolios are mostly at a fixed rate. With regard to customer deposits, the high proportion of non-interest bearing deposits, which are insensitive to interest rate movements, should be highlighted. The ALCO portfolio is invested primarily in fixed-rate sovereign bonds with limited durations. The monetary policy rate stood at 10.00% at the end of 2024, 125 basis points below the end-of-year level of 2023.</span></div><div style="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">In Turkey, deposit sensitivity is offset by the ALCO portfolio and loans (fixed rate and relatively short-term). Interest rate sensitivity remains limited thanks to the various management actions carried out by the Bank. In 2023, the Central Bank of the Republic of Turkey (hereinafter "CBRT") implemented successive increases in monetary policy rates, raising interest rates to 42.50% by the end of 2023. Subsequently, after maintaining the benchmark rates at 50% until November 2024, they were reduced to 47.50% by the end of December 2024. The CBRT is expected to continue lowering official rates, which is expected to be positive for the customer spread in 2025.</span></div><div style="text-align:justify;text-indent:3.82pt"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><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:9.18pt">In South America, the net interest income sensitivity continues to be limited since most of the countries in the area have a fixed/variable composition. In addition, in balance sheets with several currencies, the interest rate risk is managed for each of the currencies, showing a very low level of exposure. Regarding benchmark rates, in Peru it stood at 5.00% as of December 2024, 175 basis points below its 2023 closing level while in Colombia, the central bank set the benchmark interest rate at 9.50%, accumulating a cut of 350 basis points in 2024. In Argentina, the central bank maintains the benchmark interest rate at 32%, which is a decrease of 68 basis points compared to the end of December 2023.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Structural exchange-rate risk </span><div style="margin-bottom:10pt;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 geographical areas 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 2024 was characterized by the strength of the dollar against the euro (+6.4%), reflecting the strength of the U.S. economy and the expectation that the new administration's policies will generate greater growth and inflation. Among the emerging currencies, the Mexican peso depreciated strongly (-13.1% against the euro) affected by the election results in Mexico and the new administration in the United States. The Turkish lira was again penalized in 2024 (-11.1%), but to a much lesser extent than in 2023. As for the performance of South American currencies, the Peruvian sol appreciated against the euro (+5.2%), the Colombian peso weakened (-7.8%), while the Chilean peso depreciated by -5.6%. Finally, the Argentine peso experienced a significant depreciation (-16.8%) but it did so in an environment of stabilization of the country's macroeconomic variables, which are expected to lay the foundations for future economic recovery.</span></div><div style="margin-bottom:10pt;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 with the objective of reaching a coverage level, 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 CET1. In relation to the CET1 capital ratio, the estimated sensitivities at the end of 2024 of a 10% depreciation in the relevant currency was as follows: Mexican peso (-9 basis points); Turkish lira (-4 basis points) and U.S. dollar (+20 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%">For the years 2024, 2023 and 2022, the estimated sensitivities (in absolute terms) 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%">2024</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%">2023</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></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%">27.8</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%">25.8</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%">19.1</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%">3.3</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%">4.4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.5</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%">1.4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.9</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%">0.7</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%">0.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;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:'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%">0.4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.0</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.9</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%">1.8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.3</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%">1.9</span></td></tr></table></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Equity risk in the banking book</span><div style="margin-bottom:10pt;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><div style="margin-bottom:10pt;margin-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:120%">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 performed very positively in 2024 but with more modest gains in Europe than in the United States, reflecting the differences in economic dynamism in both blocks. The monetary easing cycle initiated by central banks supported stock market increases, but were prevented from converging towards official targets by persistent inflation. The technology sector led the increases in the United States, driven by the adoption of artificial intelligence solutions, while in Europe, the banking sector performed exceptionally well, enabling it to lead the European stock markets. At the local level, the Spanish stock market presented one of the best performances at the European level, although with less dynamism than in 2023. Telef&#243;nica, where the Group holds a stake classified as equity in its banking book, performed in line with the evolution of the European telecommunications 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%">Structural equity risk, measured in terms of economic capital, has increased 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 amounted to &#8364;-27 million as of December 31, 2024, compared to &#8364;-24 million as of December 31, 2023. 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:14.46pt">Market risk</span><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">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).</span></div><div style="margin-bottom:10pt;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, market risk may be affected by ESG factors due to the effect they may have on the Group, clients and counterparties (see Note 7.1).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Market risk in trading portfolios </span><div style="margin-bottom:10pt;margin-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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 control and 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:10pt;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 risk measurement models used by the BBVA Group, the Supervisor 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 66%, 76% and 63% of the Group&#8217;s trading-book market risk as of December 31, 2024, 2023 and 2022. 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%">The VaR figures are estimated based on the VaR without smoothing methodology, 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. The VaR stress metric is obtained in an analogous way (99% percentile, with 1-day loss), with a fixed window of 1 year within the established stress period, subject to revision and being specific to each geographical area to represent its stress 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%">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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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 Group&#8217;s market risk related to its trading portfolio remained in 2024 at low levels compared to other risks managed by BBVA, particularly credit risk. This is due to the nature of the business. In 2024, the average VaR was &#8364;37 million, above the figure of 2023, with a maximum level in the year reached on February 19, 2024 of &#8364;50 million. The evolution in the BBVA Group&#8217;s market risk during 2024, measured as VaR 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:justify"><img alt="290" src="bbva-20241231_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 78% of the total as of December 31, 2024 (this figure includes the spread risk). The relative weight of this risk has increased 8 percentage points compared with the close of 2023. Exchange-rate risk accounted for 11% of the total risk, maintaining its weight with respect to December 2023, while equity, volatility and correlation risk has decreased, with a weight of 3% and 8% respectively, which implies a reduction of their relative weights of 3 and 5 percentage points, respectively, with respect to 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%">As of December 31, 2024, 2023 and 2022 the VaR was &#8364;34 million, &#8364;36 million and &#8364;29 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) &#8317;&#185;&#8318;</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 &#8317;&#178;&#8318;</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%">2024</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%">41</span></td><td colspan="3" style="border-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%">7</span></td><td colspan="3" style="border-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%">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:7pt;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:7pt;font-weight:400;line-height:120%">(20)</span></td><td colspan="3" style="border-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%">37</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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: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%">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%">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%">(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%">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: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%">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%">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%">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%">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%">(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%">28</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%">37</span></td><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%">5</span></td><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%">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: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%">(14)</span></td><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%">34</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%">2023</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%">36</span></td><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%">8</span></td><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%">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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><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%">(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:'Arial',sans-serif;font-size:7pt;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: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%">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%">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%">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%">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%">(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%">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: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%">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%">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: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%">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: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></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%">41</span></td><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%">6</span></td><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%">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%">8</span></td><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%">(23)</span></td><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%">36</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%">2022</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%">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%">8</span></td><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</span></td><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%">7</span></td><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%">(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:'Arial',sans-serif;font-size:7pt;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: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%">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%">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%">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%">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%">(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:7pt;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:'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%">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%">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%">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%">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%">(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:7pt;font-weight:400;line-height:120%">19</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%">32</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%">13</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%">7</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%">5</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%">(28)</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%">29</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The maximum and minimum VaR figures show the VaR figures for the day on which said maximum and minimum VaRs occurred in the relevant year, by type of risk. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) 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.</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%">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 results of those entities 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 2024, 2023 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">"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;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Between January 1, 2024 and December 31, 2024, and for the year ended December 31, 2024, 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 neither in BBVA, S.A nor in BBVA Mexico.</span></div><div style="margin-bottom:10pt;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, 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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 extreme market events within 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><div style="margin-bottom:10pt;margin-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, 2024 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%">(132)</span></td><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%">(66)</span></td><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%">(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%">&#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%">(29)</span></td><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%">(3)</span></td><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%">(10)</span></td></tr></table></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Financial instruments offset</span><div style="margin-bottom:10pt;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><div style="margin-bottom:10pt;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, 2024, 2023 and 2022:</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:29.562%"></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: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:9.223%"></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:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.460%"></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;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 </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 &#8317;&#185;&#8318; </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 2024</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:center;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%">45,523</span></td><td colspan="3" style="border-top:1pt solid #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%">8,362</span></td><td colspan="3" style="border-top:1pt solid #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%">37,161</span></td><td colspan="3" style="border-top:1pt solid #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%">27,446</span></td><td colspan="3" style="border-top:1pt solid #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%">9,566</span></td><td colspan="3" style="border-top:1pt solid #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%">148</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%">65,401</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,397</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46,005</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,959</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</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%">110,924</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,759</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83,165</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,405</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:8pt;font-weight:700;line-height:120%">9,566</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">194</span></td></tr><tr><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:center;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%">43,924</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,362</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,562</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,446</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,658</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">458</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%">87,893</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,397</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:8pt;font-weight:400;line-height:120%">68,497</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68,497</span></td><td colspan="3" style="padding:2px 1pt;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></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%">131,818</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,759</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">104,059</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,943</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,658</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%">458</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 2023</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:center;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%">44,641</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%">8,866</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%">35,775</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%">25,171</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%">9,532</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%">1,072</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:'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%">80,227</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80,227</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79,980</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</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%">124,869</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,866</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116,003</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">105,151</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,532</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,320</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:center;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%">44,536</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,866</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,670</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,354</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,013</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,303</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%">104,920</span></td><td colspan="3" style="padding:2px 1pt;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%">104,920</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104,920</span></td><td colspan="3" style="padding:2px 1pt;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></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%">149,456</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%">8,866</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">140,590</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">132,274</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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%">1,303</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="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><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:center;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%">52,354</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%">10,554</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%">41,800</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%">31,019</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%">9,824</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%">957</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%">47,111</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,111</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,069</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</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%">99,465</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,554</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88,911</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">78,088</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,824</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">998</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:center;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%">51,767</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,554</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,213</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,028</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,990</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,195</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%">54,382</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,382</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,701</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">586</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,095</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%">106,149</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%">10,554</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%">95,594</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%">83,729</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%">9,576</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%">2,290</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) It corresponds to the aggregation of the net amounts presented in the balance sheet, less the gross amount which is not offset in the balance sheet, corresponding to each Group entity that records a deficit in this regard.</span></div><div style="margin-bottom:10pt;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 are offset, and consequently are presented in the consolidated balance sheet at their net value under the relevant captions (i.e., derivatives, repurchase agreements and reverse repurchase agreements), where the Group maintains netting agreements and there is an intention to settle their net amount. Regarding certain repurchase agreements and reverse repurchase agreements, since 2024, the Group fulfils both conditions. Where netting agreements do not exist, the market value of the relevant products is recorded in the balance of the repurchase agreements and reverse repurchase agreements captions.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Liquidity and Funding risk</span><div style="margin-bottom:10pt;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 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.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Liquidity and Funding Strategy and Planning</span><div style="margin-bottom:10pt;margin-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 (hereinafter "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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Governance, monitoring and mitigation measures</span><div style="margin-bottom:10pt;margin-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 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 level above 100% as a mitigation measure.</span></div><div style="margin-bottom:10pt;margin-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><div style="margin-bottom:10pt;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, seeking 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, 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. </span></div><div style="margin-bottom:10pt;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><div style="margin-bottom:10pt;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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt">Liquidity and funding performance </span><div style="margin-bottom:10pt;margin-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 a 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 2024, liquidity conditions remained adequate in all the countries where the BBVA 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 performance of the indicators show that the funding structure remained steady during 2024, 2023 and 2022, 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%">2024</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%">2023</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%">2022</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%">102 %</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%">99 %</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%">96 %</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%">101 %</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%">100 %</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%">98 %</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%">115 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98 %</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%">90 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83 %</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%">99 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96 %</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%">With respect to LCR, the Group has maintained a liquidity buffer at both a consolidated and individual level in 2024. As a result, the ratio has remained above 100%, with the consolidated ratio as of December 31, 2024 standing at 134%.</span></div><div style="margin-bottom:10pt;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 was exceeded in all 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%">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. </span></div><div style="margin-bottom:10pt;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 impact of these highly liquid assets was considered, the LCR would be 162%, or 28 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: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%">2024</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%">2023</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%">2022</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%">134 %</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%">149 %</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%">159 %</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%">156 %</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%">178 %</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%">186 %</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%">146 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">192 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">199 %</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%">141 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">185 %</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%">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 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;130,613 million, of which 97% correspond to maximum quality assets (LCR Level 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 table below shows the liquidity available by instrument as of December 31, 2024, 2023 and 2022 for the most significant entities based on prudential supervisor&#8217;s information (Commission Implementing Regulations (EU) 2021/451 of December 17, 2020):</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="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="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-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 #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%">2024</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%">2023</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 #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%">2024</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%">2023</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 #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%">2024</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%">2023</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 #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%">2024</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%">2023</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%">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: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%">16,004</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%">43,931</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%">48,271</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%">12,001</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%">9,712</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%">12,865</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%">10,344</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%">9,899</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%">6,731</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%">8,101</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%">5,921</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%">5,265</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%">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%">50,199</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%">31,606</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%">33,081</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%">8,783</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%">20,345</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%">13,974</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%">6,402</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%">6,117</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%">9,165</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%">8,749</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%">8,429</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%">7,836</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">194</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%">919</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%">3,450</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%">327</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%">246</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%">47</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#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: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%">3,762</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%">2,916</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%">3,471</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%">159</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%">132</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%">35</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">31</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%">&#8212;</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%">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: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%">46,537</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%">44,324</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%">22,708</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%">598</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%">469</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%">467</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%">816</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%">398</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%">285</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%">926</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%">753</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%">1,035</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">11</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">116,706</span></td><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%">123,696</span></td><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%">110,981</span></td><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%">21,869</span></td><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%">30,903</span></td><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%">27,388</span></td><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%">17,562</span></td><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%">16,414</span></td><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%">16,181</span></td><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%">17,806</span></td><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%">15,102</span></td><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%">14,136</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 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 127% as of December 31, 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 NSFR of BBVA Group and its main LMU as of December 31, 2024, 2023 and 2022, 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%">2024</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%">2023</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%">2022</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%">127 %</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%">131 %</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%">135 %</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%">119 %</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%">120 %</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%">125 %</span></td></tr><tr><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%">131 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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: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%">149 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">178 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 %</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%">Below is a matrix of residual maturities by contractual periods based on supervisory prudential reporting as of December 31, 2024, 2023 and 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: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 2024. 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%">11,125</span></td><td colspan="3" style="border-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%">38,087</span></td><td colspan="3" style="border-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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">49,212</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%">&#8212;</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%">5,246</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%">541</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%">1,165</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%">647</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%">918</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%">861</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%">351</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%">33</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%">41</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%">9,805</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%">&#8212;</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%">2,677</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%">1,642</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%">970</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%">929</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%">1,130</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%">1,577</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%">1,526</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%">1,369</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%">681</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%">12,502</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%">&#8212;</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%">34,310</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%">10,594</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%">5,025</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%">1,911</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%">3,138</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%">5,782</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%">3,675</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%">3,008</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%">122</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%">67,565</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%">&#8212;</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%">34,605</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%">38,547</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%">29,770</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%">16,928</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%">19,715</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%">44,537</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%">34,618</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%">51,469</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%">105,649</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%">375,837</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%">&#8212;</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%">2,861</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%">2,741</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%">6,084</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%">2,531</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%">5,922</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%">20,625</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%">20,053</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%">21,972</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%">44,850</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%">127,640</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 2024. 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%">&#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%">2,484</span></td><td colspan="3" style="border-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%">4,816</span></td><td colspan="3" style="border-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%">5,536</span></td><td colspan="3" style="border-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%">3,347</span></td><td colspan="3" style="border-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%">3,685</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%">8,517</span></td><td colspan="3" style="border-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%">11,386</span></td><td colspan="3" style="border-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%">7,530</span></td><td colspan="3" style="border-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%">28,306</span></td><td colspan="3" style="border-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%">75,608</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%">2,600</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%">6,070</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%">476</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%">644</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%">130</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%">732</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%">558</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%">242</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%">570</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%">743</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%">12,765</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%">6,950</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%">9,247</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%">2,466</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%">1,584</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%">922</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%">503</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%">1,256</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%">477</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%">433</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%">742</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%">24,581</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%">318,252</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%">50,789</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%">23,758</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%">11,580</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%">3,888</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%">4,329</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%">2,055</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%">569</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%">834</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%">787</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%">416,841</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%">&#8212;</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%">74,614</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%">14,093</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%">5,452</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%">2,355</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%">4,157</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%">2,223</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%">366</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%">1,454</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%">445</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%">105,159</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%">&#8212;</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%">(388)</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%">(73)</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%">(142)</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%">70</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%">142</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%">549</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%">(122)</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%">5</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%">(87)</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%">(46)</span></td></tr></table></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: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 2023. 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%">10,353</span></td><td colspan="3" style="border-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%">61,678</span></td><td colspan="3" style="border-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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">72,031</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%">&#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%">4,676</span></td><td colspan="3" style="padding:2px 1pt;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%">543</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">594</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">602</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">602</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;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: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%">7,672</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%">&#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%">1,288</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,261</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%">1,049</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">385</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">649</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,019</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">965</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,291</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%">9,882</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%">&#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%">42,407</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%">21,683</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,890</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:7pt;font-weight:400;line-height:120%">3,398</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,596</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,319</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,817</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,133</span></td><td colspan="3" style="padding:2px 1pt;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%">86,382</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%">&#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%">28,644</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:7pt;font-weight:400;line-height:120%">30,850</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28,239</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,434</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,029</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%">41,267</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,769</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45,116</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">104,086</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:7pt;font-weight:400;line-height:120%">346,433</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%">&#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%">2,167</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,011</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,633</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,578</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,950</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,266</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%">14,016</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%">29,245</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,558</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%">118,424</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 2023. 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%">&#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%">1,187</span></td><td colspan="3" style="border-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%">3,889</span></td><td colspan="3" style="border-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%">8,518</span></td><td colspan="3" style="border-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%">4,935</span></td><td colspan="3" style="border-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%">4,225</span></td><td colspan="3" style="border-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%">10,296</span></td><td colspan="3" style="border-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%">7,990</span></td><td colspan="3" style="border-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%">11,175</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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,424</span></td><td colspan="3" style="border-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%">74,639</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%">2,092</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,669</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,076</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">715</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">605</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">795</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">10,011</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%">8,507</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,526</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%">2,806</span></td><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">834</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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%">1,033</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">638</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,535</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%">304,096</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,745</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,225</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:7pt;font-weight:400;line-height:120%">11,855</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:7pt;font-weight:400;line-height:120%">3,905</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,500</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%">1,753</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,029</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%">758</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,092</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">390,959</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%">&#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%">86,908</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,028</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,107</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,274</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,821</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,630</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,111</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,060</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">133,615</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%">&#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%">(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%">(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%">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%">(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:7pt;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:'Arial',sans-serif;font-size:7pt;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:7pt;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:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,616)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,009)</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 2022. Contractual maturities (Millions of Euros)</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%">9,227</span></td><td colspan="3" style="border-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%">66,497</span></td><td colspan="3" style="border-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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">75,724</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%">&#8212;</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%">3,870</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%">319</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%">433</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%">434</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%">468</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%">242</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%">183</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%">6</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%">83</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%">6,040</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%">3</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%">2,199</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%">1,012</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%">746</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%">516</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%">344</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%">971</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%">816</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%">551</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%">830</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%">7,988</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%">&#8212;</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%">31,049</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%">5,743</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%">3,368</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%">1,432</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%">1,127</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%">4,582</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%">1,354</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%">2,400</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%">289</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%">51,343</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%">99</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%">24,622</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%">32,009</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%">25,622</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%">14,827</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%">16,766</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%">41,049</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%">32,510</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%">43,828</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%">96,201</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%">327,534</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%">1</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%">4,031</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%">4,107</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%">8,200</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%">4,305</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%">4,746</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%">18,417</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%">8,744</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%">23,307</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%">31,480</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%">107,338</span></td></tr></table><table style="border-collapse: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 2022. 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%">&#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%">1,841</span></td><td colspan="3" style="border-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%">4,434</span></td><td colspan="3" style="border-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%">1,050</span></td><td colspan="3" style="border-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%">3,148</span></td><td colspan="3" style="border-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%">2,017</span></td><td colspan="3" style="border-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%">6,318</span></td><td colspan="3" style="border-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%">9,423</span></td><td colspan="3" style="border-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%">13,282</span></td><td colspan="3" style="border-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%">18,145</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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59,658</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%">2,176</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%">7,885</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%">628</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%">806</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%">56</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%">694</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%">648</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%">211</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%">396</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%">399</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%">13,899</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%">7,392</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%">5,760</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%">1,465</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%">464</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%">379</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%">758</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%">700</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%">293</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%">594</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%">727</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%">18,532</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%">302,667</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%">38,951</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%">18,542</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%">6,776</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%">2,575</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%">2,870</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%">1,476</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%">1,276</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%">798</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%">273</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%">376,203</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%">&#8212;</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%">51,638</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%">14,543</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%">17,736</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%">866</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%">1,503</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%">8,136</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%">1,524</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%">3,493</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%">575</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%">100,013</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%">&#8212;</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%">(253)</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%">24</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%">(1,010)</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%">(23)</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%">175</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%">40</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%">(153)</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%">(466)</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%">(3,717)</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%">(5,383)</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%">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 receives a better 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 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">In Spain, BBVA, S.A. has maintained a position with a high-quality liquidity buffer, having repaid the entire TLTRO III program, maintaining at all times the regulatory liquidity metrics well above the set minimums. During 2024, commercial activity has shown dynamism, experiencing higher growth in lending than in customer deposits.</span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><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:9.18pt">BBVA Mexico showed an adequate liquidity situation, even though the credit gap increased in 2024 as a result of the strong dynamism of credit and contained growth in deposits as a result of management efforts to restrain the cost of funds.</span></div><div style="text-align:justify;text-indent:3.82pt"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><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:9.18pt">In Turkey, the credit gap in local currency grew in 2024, with loan growth outpacing deposits. Regarding the credit gap in foreign currency, an increase was also recorded in 2024, mainly originated by an increase in loans and a decrease in deposits. The liquidity buffer has been reduced, mainly due to the relevant reserve requirement for foreign currency deposits (which led to an increase in loans to the CBRT) and the mentioned increase in the credit gap. During 2024, the CBRT has continued updating its measures to de-dollarize the economy and control inflation.</span></div><div style="text-align:justify;text-indent:3.82pt"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><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:9.18pt">In South America, liquidity remained adequate throughout the region in 2024. In BBVA Argentina, the growth of excess liquidity in Argentine pesos slowed, due to the increase in loans in the last quarter of the year, which exceeded deposits, despite a strong increase in U.S. dollar deposits. In BBVA Colombia, the credit gap decreased in the year favored by the growth in deposits. BBVA Peru has shown a decrease in credit gap in 2024, with greater growth in deposits than in loans, both in local currency and in U.S. dollars.</span></div><div style="text-align:justify;text-indent:3.82pt"><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%">The main wholesale financing transactions carried out by the BBVA Group during 2024 are listed below:</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:10.456%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></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: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:11.072%"></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:10.459%"></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:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issuer</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Type of issue</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:7pt;font-weight:700;line-height:120%">Date of issue</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:7pt;font-weight:700;line-height:120%">Nominal (millions)</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:7pt;font-weight:700;line-height:120%">Currency</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:7pt;font-weight:700;line-height:120%">Coupon</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:7pt;font-weight:700;line-height:120%">Early redemption</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:7pt;font-weight:700;line-height:120%">Maturity date</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="10" style="border-top:0.75pt 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%">BBVA, S.A.</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.75pt 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%">Senior preferred </span></td><td colspan="3" style="border-top:0.75pt 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%">Jan-24</span></td><td colspan="3" style="border-top:0.75pt 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%">1,250</span></td><td colspan="3" style="border-top:0.75pt 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%">EUR</span></td><td colspan="3" style="border-top:0.75pt 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%">3.875%</span></td><td colspan="3" style="border-top:0.75pt 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%">&#8212;</span></td><td colspan="3" style="border-top:0.75pt 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%">Jan-34</span></td></tr><tr style="height:23pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 2</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Feb-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,250</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.875%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nov-30 to Feb-31</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Feb-36</span></td></tr><tr style="height:15pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-24</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.381%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-29</span></td></tr><tr style="height:15pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior non-preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-24</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.033%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-34</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-35</span></td></tr><tr style="height:21pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred (green bond)</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.500%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-31</span></div></td></tr><tr style="height:30pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 month Euribor rate + 45 basis points</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-27</span></div></td></tr><tr style="height:15pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">750</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.625%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-30</span></div></td></tr><tr style="height:23pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 (CoCo)</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">750</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.875%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dec-30 to Jun-31</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr style="height:23pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 2</span></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Aug-24</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.375%</span></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">May-31 to Aug-31</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Aug-36</span></div></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></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%">Additionally, BBVA, S.A. redeemed two capital issuances in 2024: in February 2024, a Tier 2 issuance of subordinated bonds issued in February 2019, for an amount of &#8364;750 million and, in March 2024, on its first date of optional redemption, an AT1 issued in 2019, for an amount of &#8364;1 billion (see Note 22.4.1). Likewise, in December 2024, a redemption of a Tier 2 issuance of subordinated bonds issued in January 2020, for an amount of &#8364;1 billion, was announced and it was effectively redeemed in January 2025. Furthermore, on January 14, 2025, BBVA, S.A. issued an AT1 for an amount of USD 1 billion, with an early redemption option after seven years. On January 28, 2025, BBVA announced its irrevocable decision to fully redeem on March 5, 2025, an AT1 issued in 2019 for USD 1 billion (see Note 22.4). In addition, on February 17, 2025 BBVA, S.A. announced a 12-year Tier 2 subordinated bond of &#8364;1 billion to be issued on February 25, with a call option in February 2032. </span></div><div style="margin-bottom:10pt;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 January 2024, BBVA Mexico issued Tier 2 bonds for USD 900 million with a maturity of 15 years and an early repayment option in 10 years with a coupon of 8.125%. Additionally, in April 2024, BBVA Mexico issued bank stock certificates for 15 billion Mexican pesos in two tranches. In addition, in September 2024, BBVA Mexico carried out a debt issuance of USD 600 million for a term of five years and a fixed rate of 5.25%. Lastly, in October 2024, BBVA Mexico issued local bonds for the equivalent of 15.98 billion Mexican pesos in three tranches, one of them for USD 200 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%">In Turkey, Garanti BBVA issued two Tier 2 ten-year bonds in 2024, both with an early redemption option after five years. The first, in February 2024, amounted to USD 500 million, and the second, in December 2024, amounted to USD 750 million. Simultaneously with this second issuance, a tender offer was made for a Tier 2 bond maturing in 2027, which was accepted by bondholders for a total of USD 134 million, and in December 2024, it announced the full redemption of a 750 million Turkish lira Tier 2 bond that was completed in February 2025. Additionally, in June 2024, Garanti BBVA renewed the total syndicated loan based on environmental, social and governance (ESG) criteria, which consists of two separate tranches of USD 241 million (SOFR+2.50%) and &#8364;179 million (Euribor+2.25%), respectively. Finally, in December 2024, Garanti BBVA announced the signing of a syndicated loan of USD 244 million (SOFR+1.75%) and &#8364;162.4 million (Euribor+1.50%) with a maturity of 367 days.</span></div><div style="margin-bottom:10pt;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 Peru issued, in March 2024, Tier 2 bonds in the international market for USD 300 million, with a 6.20% coupon, a 10.25-year maturity and an early redemption option in the fifth year. Alongside this issuance, a repurchase offer was launched on a USD 300 million Tier 2 subordinated bond maturing in September 2029, with USD 163 million being repurchased; the remaining USD 137 million was redeemed through the execution of the associated call option in September 2024. In December 2024, it issued the first tranche of a USD100 million social bond for a term of 5 years at SOFR+1.35%.</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%">BBVA Colombia, together with the International Finance Corporation (IFC) and the Inter-American Development Bank (IDB) announced, in July 2024, the launch of a green biodiversity bond for an amount of USD 70 million and a term of three years. It also received a 5-year USD 50 million loan from CAF in the area of Biodiversity. Lastly, in November 2024, the first tranche of a USD 50 million subordinated bond (Tier 2) with IDB was disbursed.</span></div><div style="margin-bottom:10pt;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 Argentina issued in September 2024 in the local market the equivalent of approximately &#8364;23 million in senior debt at a floating rate of Badlar (Buenos Aires Deposits of Large Amount Rate) +5%. In addition, in December 2024 it issued two senior debt issuances, one for approximately &#8364;14 million at a TEM (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Tasa Efectiva Mensual Vencida</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) rate of 2.75% and the other for approximately &#8364;35 million at a TAMAR (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Tasa Mayorista de Argentina</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">) +2.74% rate.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt">Asset encumbrance</span><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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%">2024</span></td><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%">2023</span></td><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%">2024</span></td><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%">2023</span></td><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: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%">2024</span></td><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%">2023</span></td><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%">2024</span></td><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%">2023</span></td><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></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%">68,268</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%">78,586</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%">92,916</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%">704,134</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%">696,972</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%">619,177</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%">834</span></td><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%">592</span></td><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%">819</span></td><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%">834</span></td><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%">592</span></td><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%">819</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%">17,159</span></td><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%">13,176</span></td><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%">11,293</span></td><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%">17,159</span></td><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%">13,176</span></td><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%">11,293</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">43,404</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51,458</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,533</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45,639</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50,818</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%">32,291</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%">102,333</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%">88,976</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%">92,665</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%">102,333</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%">88,976</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%">92,665</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%">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%">24,030</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,535</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:7pt;font-weight:400;line-height:120%">58,563</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%">584,641</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">594,821</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">515,218</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><div style="margin-bottom:10pt;margin-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, to a lesser extent, 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><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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%">2024</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%">2023</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%">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: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%">2024</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%">2023</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%">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: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%">2024</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%">2023</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%">2022</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%">40,877</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%">73,836</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%">40,701</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%">14,917</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%">14,825</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%">9,415</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%">1,151</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%">996</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%">1,279</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%">215</span></td><td colspan="3" style="border-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%">1,019</span></td><td colspan="3" style="border-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%">323</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%">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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="border-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%">759</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%">&#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%">&#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%">&#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: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%">40,663</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">72,817</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40,378</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%">14,754</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:7pt;font-weight:400;line-height:120%">14,774</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,656</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%">1,151</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">996</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,279</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">&#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: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%">&#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: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%">&#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></tr><tr><td colspan="3" style="border-bottom: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%">Own debt securities issued other than own covered bonds or ABSs</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">66</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%">74</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%">92</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%">&#8212;</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%">&#8212;</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%">&#8212;</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 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><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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%">2024</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%">2023</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%">2022</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%">2024</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%">2023</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%">2022</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%">109,833</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%">151,766</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%">122,400</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%">107,067</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%">149,853</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%">128,628</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%">17,047</span></td><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%">15,895</span></td><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%">15,950</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%">14,698</span></td><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%">13,756</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:7pt;font-weight:400;line-height:120%">16,699</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">84,604</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">126,777</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">95,728</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%">81,938</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%">126,543</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99,077</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">8,182</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,094</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,722</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%">10,431</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%">9,554</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,852</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%">1,141</span></td><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%">1,066</span></td><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%">731</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%">2,079</span></td><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%">2,568</span></td><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%">4,989</span></td></tr></table></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 8<br></strong></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_DisclosureOfFairValueOfFinancialInstrumentsExplanatory', window );">Disclosure of fair value of financial instruments [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt">Fair value of financial instruments </span><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 seeks to ensure 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 seek 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><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 are 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 and/or those obtained by other market participants.</span></div><div style="margin-bottom:10pt;margin-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, 2024, the affected instruments at fair value accounted for approximately 0.66% of financial assets and 0.48% of the Group&#8217;s financial liabilities. Model selection and validation is undertaken by control areas outside the business areas.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:21.55pt">Fair value of financial instruments recognized at fair value, according to valuation criteria</span><div style="margin-bottom: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%">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 considers 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%">The fair value of the Group's financial instruments recognized at fair value in the consolidated balance sheets is presented below, broken down according to the valuation method used to determine their fair value, and their respective book value as of December 31, 2024, 2023 and 2022:</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.482%"><tr><td style="width:1.0%"></td><td style="width:46.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.448%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.709%"></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%">Fair value of financial instruments recognized at fair value by levels. </span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2024 (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr style="height:12pt"><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="display:none"></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%">Level 1</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%">Level 2</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%">Level 3</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-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">108,948</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,332</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80,323</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,292</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%">Derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,003</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">969</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,591</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">443</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%">Equity instruments </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,760</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,602</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></tr><tr><td colspan="3" style="background-color:#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%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,955</span></td><td colspan="3" style="display:none"></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-weight:400;line-height:120%">18,762</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-weight:400;line-height:120%">8,438</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-weight:400;line-height:120%">756</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,230</span></td><td colspan="3" style="display:none"></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-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:8pt;font-weight:400;line-height:120%">37,218</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-weight:400;line-height:120%">1,011</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-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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,546</span></td><td colspan="3" style="display:none"></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%">8,511</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%">617</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%">1,418</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,782</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,309</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,365</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%">Debt securities</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">407</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</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%">Loans and advances</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">358</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">836</span></td><td colspan="3" style="display:none"></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%">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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62</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%">&#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><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 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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">836</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">774</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,002</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50,354</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,515</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,133</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,451</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,157</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">Debt securities</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57,526</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,173</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,436</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">917</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%">Loans and advances to credit institutions</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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;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;padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,158</span></td><td colspan="3" style="display:none"></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%">&#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:8pt;font-weight:400;line-height:120%">1,158</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%">&#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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></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%">Financial liabilities held for trading </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%">10</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%">86,591</span></td><td colspan="3" style="display:none"></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%">14,308</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%">71,072</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%">1,211</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%">Trading derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,059</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,118</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,400</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">541</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%">Short positions</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,878</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,189</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">673</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,654</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,999</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">656</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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,952</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,865</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,087</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%">Deposits from credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Customer deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">934</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">934</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,597</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,511</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,087</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%">Other financial liabilities</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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="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:#ffffff;border-bottom: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;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,503</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,480</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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</span></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"><tr><td style="width:1.0%"></td><td style="width:53.954%"></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:11.963%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:7.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.457%"></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%">Fair value of financial instruments recognized at fair value by levels.</span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2023 (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr style="height:9pt"><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="display:none"></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%">Level 1</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%">Level 2</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%">Level 3</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-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">141,042</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,972</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">116,905</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,165</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%">Derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,293</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,880</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">269</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%">Equity instruments </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,589</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,494</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,569</span></td><td colspan="3" style="display:none"></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-weight:400;line-height:120%">17,333</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-weight:400;line-height:120%">11,081</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:8pt;font-weight:400;line-height:120%">155</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,590</span></td><td colspan="3" style="display:none"></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-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:8pt;font-weight:400;line-height:120%">71,921</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-weight:400;line-height:120%">1,669</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-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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,737</span></td><td colspan="3" style="display:none"></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%">7,028</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%">493</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%">1,216</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,963</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,742</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,148</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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">484</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">286</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">66</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%">Loans and advances to customers</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">290</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">955</span></td><td colspan="3" style="display:none"></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%">908</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%">47</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%">&#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><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 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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">955</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">908</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62,205</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,987</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,335</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">883</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,217</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,026</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,963</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,961</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,258</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">Loans and advances to credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,482</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,482</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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;border-left:0.25pt solid #ffffff;border-top:0.25pt 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-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></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%">Financial liabilities held for trading </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%">10</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%">121,715</span></td><td colspan="3" style="display:none"></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%">14,133</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%">106,382</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%">1,201</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%">Trading derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,045</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,111</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">743</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%">Short positions</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,735</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,942</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,750</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,935</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,520</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">415</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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,299</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,073</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,227</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%">Deposits from credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Customer deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,977</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,751</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,227</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%">Other financial liabilities</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,605</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,605</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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="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:#ffffff;border-bottom: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;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;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="display:none"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,586</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"><tr><td style="width:1.0%"></td><td style="width:53.954%"></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:11.963%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:7.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.457%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" 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%">Fair value of financial instruments recognized at fair value by levels.</span></div><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%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr style="height:12pt"><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="display:none"></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%">Level 1</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%">Level 2</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%">Level 3</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-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110,671</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,710</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85,636</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,325</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%">Derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,908</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">795</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,140</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">974</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%">Equity instruments </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,369</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></tr><tr><td colspan="3" style="background-color:#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%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,367</span></td><td colspan="3" style="display:none"></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-weight:400;line-height:120%">16,284</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-weight:400;line-height:120%">7,934</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-weight:400;line-height:120%">148</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,993</span></td><td colspan="3" style="display:none"></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-weight:400;line-height:120%">1,262</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-weight:400;line-height:120%">39,562</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-weight:400;line-height:120%">1,169</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-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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,888</span></td><td colspan="3" style="display:none"></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%">5,720</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%">151</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%">1,017</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,511</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,457</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,014</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%">Debt securities </span></td><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;vertical-align:middle"><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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Loans and advances to customers</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">913</span></td><td colspan="3" style="display:none"></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%">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:'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:#000000;font-family:'Arial',sans-serif;font-size:8pt;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><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 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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">913</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">913</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65,374</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,248</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,537</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">589</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,198</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,040</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,150</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,182</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,479</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">489</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%">Loans and advances to credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,891</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,887</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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;border-left:0.25pt solid #ffffff;border-top:0.25pt 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-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></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%">Financial liabilities held for trading </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%">10</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%">95,611</span></td><td colspan="3" style="display:none"></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%">20,611</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%">73,871</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%">1,129</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%">Trading derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,909</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">746</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,161</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,002</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%">Short positions</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,487</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,354</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,215</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,511</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,577</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">127</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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,580</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,990</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,590</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%">Deposits from credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Customer deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">700</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">700</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,288</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,698</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,590</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%">Other financial liabilities</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,592</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,592</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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-bottom: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;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,303</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,179</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The following table sets forth the main valuation techniques, hypothesis and inputs used in the estimation of fair value of the financial instruments recognized 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, 2024, 2023 and 2022.</span></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><tr><td style="width:1.0%"></td><td style="width:23.900%"></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><td colspan="3" style="display:none"></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="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:5pt;font-weight:700;line-height:120%">Fair value of Financial Instruments by levels. (Millions of Euros)</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></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="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></tr><tr style="height:15pt"><td colspan="3" rowspan="2" 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:6pt;font-weight:700;line-height:120%">ASSETS</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" 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%">Valuation techniques in Levels 2 and 3</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%">Observable inputs in Levels 2 and 3</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%">Unobservable inputs in Levels 2 and 3</span></td></tr><tr style="height:15pt"><td colspan="3" style="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></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:6pt;font-weight:700;line-height:120%">Financial assets held for trading</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Equity instruments </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><td colspan="3" style="display:none"></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%">Comparable pricing (Observable price in a similar market)<br/>Net asset value</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%">- Brokers quotes<br/>- Market operations<br/>- NAVs published</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%">- NAV provided by the administrator of the fund</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)<br/>Observed prices in non-active markets</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Issuer&#180;s credit risk<br/>- Current market interest rates<br/>- Non active markets prices</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Recovery rates</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- 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</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Recovery rates<br/>- Funding interest rates not observed in the market or in consensus services</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:68pt"><td colspan="3" style="padding:2px 1pt;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 rate</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and  SABR<br/>Bond options: Black 76<br/>Swaptions: Black, SABR and LGM<br/>Other Interest rate Options: Black, SABR  and Libor Market Model<br/>Constant Maturity Swaps: SABR</span></td><td colspan="3" rowspan="5" style="padding:2px 1pt;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 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</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local Volatility, Momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Local volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commodities: Momentum adjustment and discounted cash flows</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:6pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</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><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></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%">Equity instruments</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><td colspan="3" style="display:none"></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%">Comparable pricing (Observable price in a similar market)<br/>Net asset value</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%">- Brokers quotes<br/>- Market operations<br/>- NAVs published</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%">- NAV provided by the administrator of the fund</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Issuer credit risk<br/>- Current market interest rates</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer credit risk<br/>- Recovery rates<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:6pt;font-weight:400;line-height:120%">Loans and advances</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><br/>Discounted future cash flows</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:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Interest rates</span></td></tr><tr style="height:17pt"><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%">Financial assets designated at fair value through profit or loss</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</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:6pt;font-weight:400;line-height:120%">- Issuer credit risk<br/>- Current market interest rates</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;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="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="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:6pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</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><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></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%">Equity instruments</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><td colspan="3" style="display:none"></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%">Comparable pricing (Observable price in a similar market)<br/>Net asset value</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%">- Brokers quotes<br/>- Market operations<br/>- NAVs published</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%">- NAV provided by the administrator of the fund</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)<br/>Observed prices in non-active markets</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Issuer&#180;s credit risk<br/>- Current market interest rates<br/>- Non active market prices</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer credit risk<br/>- Recovery rates</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%">Hedging derivatives</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><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></tr><tr style="height:68pt"><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%">Interest rate</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><td colspan="3" style="display:none"></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%">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and  SABR<br/>Bond options: Black 76<br/>Swaptions: Black, SABR and LGM<br/>Other Interest rate Options: Black, SABR  and Libor Market Model<br/>Constant Maturity Swaps: SABR</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:6pt;font-weight:400;line-height:120%">-  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</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%">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local volatility, Black 76, Momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Local volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</span></td></tr><tr style="height:17pt"><td colspan="3" style="border-bottom: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%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="border-bottom: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%">Commodities: Momentum adjustment and Discounted cash flows</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:1pt solid #242424;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><tr><td style="width:1.0%"></td><td style="width:23.900%"></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><td colspan="3" style="display:none"></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="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%">Fair Value of Financial Instruments by Levels</span></td></tr><tr><td colspan="3" style="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="display:none"></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: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%">LIABILITIES</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><td colspan="3" style="display:none"></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:6pt;font-weight:700;line-height:120%">Valuation techniques in Levels 2 and 3</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:6pt;font-weight:700;line-height:120%">Observable inputs in Levels 2 and 3</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right: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%">Unobservable inputs in Levels 2 and 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><td colspan="3" style="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 #000000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial liabilities held for trading </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><td colspan="3" style="display:none"></td><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 #000;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 #000000;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:6pt;font-weight:400;line-height:120%">Deposits</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</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%">- Interest rate yield<br/>- Funding interest rates observed in the market or in consensus services<br/>-  Exchange rates</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:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Funding interest rates not observed in the market or in consensus services</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:68pt"><td colspan="3" style="padding:2px 1pt;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 rate</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, SABR and LGM<br/>Other Interest rate Options: Black,  SABR and Libor Market Model<br/>Constant Maturity Swaps: SABR</span></td><td colspan="3" rowspan="4" style="padding:2px 1pt;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 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</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:6pt;font-weight:400;line-height:120%">- Beta<br/>- Correlation between tenors<br/>- Interest rates volatility</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity forward: Discounted future cash flows<br/>Equity Options: Local volatility, momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Assets correlation</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Black 76, Local volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Assets correlation</span></td></tr><tr style="height:39pt"><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%">Credit</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</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:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</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%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commodities: Momentum adjustment and discounted cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#DADADA;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:6pt;font-weight:400;line-height:120%">Short positions </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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</span></td><td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #FFFFFF;padding:0 1pt"></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:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Current market interest rates</span></td></tr><tr><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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss</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><td colspan="3" style="display:none"></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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Present-value method<br/>(Discounted future cash flows)</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"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Prepayment rates</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Issuer&#180;s credit risk</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Current market interest rates</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 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%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Current market interest rates</span></td></tr><tr><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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Derivatives &#8211; Hedge accounting</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><td colspan="3" style="display:none"></td><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 #000;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 #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr style="height:68pt"><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 rate</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, SABR and LGM<br/>Other Interest rate Options: Black,  SABR and Libor Market Model<br/>Constant Maturity Swaps: SABR</span></td><td colspan="3" rowspan="5" style="border-bottom:1pt solid #000;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%">-  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</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:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</span></td></tr><tr style="height:32pt"><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%">Equity</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local volatility, momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</span></td></tr><tr style="height:32pt"><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%">Foreign exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Black 76, Local Volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</span></td></tr><tr style="height:39pt"><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%">Credit</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</span></td></tr><tr style="height:17pt"><td colspan="3" style="border-bottom:1pt solid #000;border-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%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="border-bottom: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%">Commodities: Momentum adjustment and discounted cash flows</span></td><td colspan="3" style="background-color:#DADADA;border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;border-right: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:9pt;font-weight:700;line-height:130%">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><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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%">Quantitative information of unobservable inputs used to calculate level 3 valuations is presented below as of December 31, 2024, 2023 and 2022.</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:99.794%"><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 2024</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%">&#8212;</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%">113</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%">3,907</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%">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%">0 %</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'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%">0 %</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%">95 %</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%">233 %</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%">2.09 %</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%">3.70 %</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%">7.11 %</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" 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:top"><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%">19 %</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%">59 %</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%">92 %</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%">&#8212;</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%">&#8212;</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%">&#8212;</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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends (2)</span></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%">(88 %)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48 %</span></td><td colspan="3" style="padding:2px 1pt;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 %</span></td><td colspan="3" style="padding:2px 1pt;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%">5.07</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:8pt;font-weight:400;line-height:120%">30.90</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:8pt;font-weight:400;line-height:120%">122.35</span></td><td colspan="3" style="padding:2px 1pt;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%">3.93</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%">9.46</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%">14.91</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%">3.00 %</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%">5 %</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%">11 %</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%">(100 %)</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%">100%</span></td><td colspan="3" style="padding:2px 1pt;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%">42 %</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%">74 %</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%">95 %</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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div><div style="text-align:justify"><span><br/></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:99.024%"><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 2023</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%">&#8212;</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%">136</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%">4,369</span></td><td colspan="3" style="background-color:#ffffff;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%">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%">0 %</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'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%">0 %</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%">99 %</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%">237 %</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%">2.26 %</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%">3.74 %</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%">5.76 %</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" 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:top"><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%">26 %</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%">60 %</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%">85 %</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%">&#8212;</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%">&#8212;</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%">&#8212;</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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends (2)</span></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%">(88 %)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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: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%">8.47</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29.41</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70.94</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:bottom"><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%">4.31</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%">10.24</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%">18.52</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%">3.00 %</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%">5 %</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%">11 %</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%">(100 %)</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%">100 %</span></td><td colspan="3" style="padding:2px 1pt;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%">Correlation rate/inflation</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%">52%</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%">60%</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%">74%</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></div><div style="text-align:justify"><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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div><div style="margin-bottom:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><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 2022</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:bottom"><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%">&#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:8pt;font-weight:400;line-height:120%">111</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%">1,538</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%">bp</span></td></tr><tr style="height:13pt"><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%">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%">0 %</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 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%">2 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 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:bottom"><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:bottom"><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:bottom"><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:bottom"><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%">0.71 %</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%">3.48 %</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%">5.52 %</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%">%</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:bottom"><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:bottom"><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%">26 %</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%">44 %</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%">58 %</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%">%</span></td></tr><tr style="height:15pt"><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%">Black 76</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%">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%">&#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%">&#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%">&#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%">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends (2)</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></tr><tr style="height:15pt"><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%">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%">(93 %)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:8pt;font-weight:400;line-height:120%">99 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 style="height:15pt"><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%">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%">7.81</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32.62</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98.71</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:bottom"><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:bottom"><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%">5.32</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%">11.93</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%">20.73</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%">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:bottom"><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%">0.25 %</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%">2 %</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%">18 %</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%">%</span></td></tr><tr style="height:24pt"><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%">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%">(100 %)</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%">100 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 style="height:21pt"><td colspan="3" style="border-bottom:0.25pt 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%">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%">51 %</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%">66 %</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%">76 %</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%">%</span></td></tr></table></div><div style="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: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="text-align:justify"><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">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 (hereinafter "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, 2024 and 2023, related to OCA were &#8364;393 million and &#8364;406 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%">The amounts recognized in the consolidated balance sheets as of December 31, 2024, 2023 and 2022 related to the valuation adjustments incorporated to the credit assessment derivative assets amounted to &#8364;-205 million &#8364;-133 million and &#8364;-158 million, respectively as Credit Valuation Adjustments (CVA), and amounted to &#8364;116 million, &#8364;91 million and &#8364;135 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 was &#8364;17 million for the year ended December 31, 2024 and &#8364;26 million and &#8364;0 million in 2023 and 2022, respectively.</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%">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, 2024, 2023 and 2022, &#8364;-19 million, &#8364;-16 million and &#8364;-16 million related to the FVA were recognized in the consolidated balance sheet, being the impact on results not significant.</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 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, 2024 corresponding to the mentioned adjustments was a net impact of &#8364;-53 million. An adjustment was also made as of December 31, 2024 on financial assets at fair value through other comprehensive income for a total of &#8364;-17 million (&#8364;-15 million and &#8364;-11 million in 2023 and 2022, respectively). </span></div><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><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%">2024</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%">2023</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;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%">2022 &#8317;&#185;&#8318;</span></div></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%">4,264</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,467</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,931</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,743</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,301</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,054</span></td></tr><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 &#8317;&#178;&#8318;</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%">490</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">113</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(131)</span></td></tr><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%">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%">&#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%">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%">(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:8pt;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:8pt;font-weight:400;line-height:120%">14</span></td></tr><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></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%">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:8pt;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: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%">374</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">782</span></td></tr><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%">(330)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(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:8pt;font-weight:400;line-height:120%">289</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:400;line-height:120%">74</span></td></tr><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%">(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:8pt;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:8pt;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:8pt;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:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(50)</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%">4,843</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%">3,321</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%">4,264</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%">3,467</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%">3,931</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%">2,743</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(2) Profit or loss that is attributable to gains or losses relating to those financial assets and liabilities held as of December 31, 2024, 2023 and 2022. Valuation adjustments are recorded under the heading &#8220;Gains (losses) on financial assets and liabilities (net)&#8221;.</span></div><div style="text-align:justify"><span><br/></span></div><div style="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 2024, there was an increase in positions classified as level 3, mainly concentrated in cash fixed-income positions due to unobservability in market prices applied in their valuation. No significant changes were observed in other positions, such as derivatives, reverse repurchase agreements and cash variable-income positions.</span></div><div style="margin-bottom:10pt;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 2023, as a result of the implementation of the multifactor criteria in the classification, which considered all the risk factors of the exposures, their observability and uncertainty, there was a reduction in exposure to level 3 derivatives, offset by an increase in exposure classified at level 3 in repurchase agreements positions due to unobservability in the inputs used in their valuation. The increase in Level 3 exposure was mainly related to cash positions of variable income and fixed income due to unobservability in their prices.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:120%">In 2022, the net volume of exposures classified as level 3 was reduced. This reduction was 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 was mitigated by the increase in the volume of level 3 exposures in derivatives, for which there was worse observability in the market of the inputs used in their fair value 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%">For the years ended December 31, 2024, 2023 and 2022, the profit/loss on sales of financial instruments classified as level 3 recognized in the consolidated income statement was 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%">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, derivative positions, deposits, loans and advances from 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><div style="margin-bottom:10pt;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 quarterly basis, the positions of equity instruments and debt securities are classified, following these criteria, by the local areas in coordination with Global Markets 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 financial instruments transferred among the different levels of measurement for the years ended December 31, 2024, 2023 and 2022 are at the following amounts in the consolidated balance sheets as of December 31, 2024, 2023 and 2022:</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 2024 (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%">115</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%">&#8212;</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%">1,238</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%">78</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%">16</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%">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: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%">68</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">18</span></td></tr><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%">&#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</span></td><td colspan="3" style="padding:2px 1pt;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></tr><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%">1,425</span></td><td colspan="3" style="padding:2px 1pt;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%">1,348</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">170</span></td></tr><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%">&#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></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%">1,608</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">31</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">2,586</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">90</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">64</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">387</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%">107</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%">&#8212;</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%">461</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%">45</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%">11</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%">380</span></td></tr><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%">&#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%">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%">&#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%">121</span></td></tr><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%">&#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></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%">107</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%">&#8212;</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%">461</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%">346</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%">11</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%">501</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%">2023</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%">2022</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%">887</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%">34</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%">89</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%">666</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%">&#8212;</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%">497</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%">683</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%">1</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%">1,909</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%">340</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%">24</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%">911</span></td></tr><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%">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%">135</span></td><td colspan="3" style="padding:2px 1pt;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%">70</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">&#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%">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%">2</span></td></tr><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%">&#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%">&#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%">123</span></td><td colspan="3" style="padding:2px 1pt;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></tr><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%">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%">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%">1,296</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%">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%">103</span></td><td colspan="3" style="padding:2px 1pt;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%">1,723</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%">&#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%">715</span></td><td colspan="3" style="padding:2px 1pt;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%">83</span></td></tr><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%">&#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%">&#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></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%">2,079</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">190</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,385</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">941</span></td><td colspan="3" style="background-color:#5AC4C4;border-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</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">740</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">2,407</span></td><td colspan="3" style="background-color:#5AC4C4;border-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</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">2,990</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">340</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">95</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">996</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%">596</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%">3</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%">36</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%">177</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%">1</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%">372</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%">524</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%">&#8212;</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%">239</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%">141</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%">&#8212;</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%">258</span></td></tr><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%">&#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%">660</span></td><td colspan="3" style="padding:2px 1pt;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%">262</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">55</span></td></tr><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%">&#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%">&#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="3" style="padding:2px 1pt;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></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%">596</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%">3</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%">36</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%">837</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</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%">635</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%">524</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%">&#8212;</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%">239</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%">387</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%">&#8212;</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%">313</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 amount of the financial instruments at fair value that were transferred among the different valuation levels during 2024 showed a stable performance in relation to the evolution of market observability in the inputs applied in their valuation. No significant level transfers were made from Level 1 to Level 3, with the most significant volumes of transfers concentrated between Level 1 and Level 2, and Level 2 and Level 3. In both cases, the changes were solely due to the observability conditions of market 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:130%">The amount of the financial instruments at fair value portfolio that were transferred among the different valuation levels during 2023 correspond mainly, with respect to Level 1 to Level 2, to the review of the classification among levels due to the implementation of the short term maturities model valuation of the listed options for those positions for which it is guaranteed that the inputs applied from real OTC market transactions are complied with the corroboration criteria. Additionally, there is a transfer of exposure Level 1 to Level 2 in cash positions in debt securities and equities, partially netted by a transfer of exposure Level 2 to Level 1, all directly related to the observability of the inputs. The volume of positions transferred from Level 2 to Level 3 is partly offset by the transfer of certain positions from Level 3 to Level 2, mainly in cash positions in debt securities, equities and loans and advances.</span></div><div style="margin-bottom:10pt;margin-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 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.</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%">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><div style="margin-bottom:10pt;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, 2024, 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 #000000;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 #000000;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 #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%">Most favorable hypothesis</span></td><td colspan="6" style="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%">Least favorable hypothesis</span></td><td colspan="6" style="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%">Most favorable hypothesis</span></td><td colspan="6" style="border-right: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: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 #000000;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%">2024</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:700;line-height:120%">2023</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:700;line-height:120%">2024</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:700;line-height:120%">2023</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:700;line-height:120%">2024</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:700;line-height:120%">2023</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:700;line-height:120%">2024</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:700;line-height:120%">2023</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 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%">Financial assets 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%">48</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%">21</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%">(89)</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%">(117)</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;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:bottom"><span style="color:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(61)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(22)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(83)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</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%">Non-trading financial assets mandatorily at fair value through profit or loss</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%">9</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%">5</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%">(85)</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%">(114)</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;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:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(78)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(92)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</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%">Financial assets designated at fair value through profit or loss</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">48</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%">34</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%">(90)</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%">(89)</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%">57</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(173)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(230)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(90)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(89)</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 #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 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%">12</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%">13</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%">(13)</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%">(18)</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#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%">12</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</span></td></tr></table></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt">Fair value of financial instruments recognized at amortized cost according to valuation method</span><div style="margin-bottom:10pt;margin-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, these financial assets will be valued by discounting future cash flows using the interest rate curve adjusted by the market spread at the time of valuation and considering any behavioral hypothesis considered to be relevant (early prepayments, optionality, etc.). Therefore, their valuations will be conditioned by the interest rates and spreads of the portfolios and their durations. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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><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 considered to be 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 is based on the availability of market prices or 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><div style="margin-bottom:10pt;margin-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 fair value of the Group's financial instruments recognized at amortized cost in the consolidated balance sheets, broken down according to the valuation method used to determine their fair value, and their respective book value, as well as the main valuation techniques and inputs used for financial instruments classified in level 2 and level 3 as of December 31, 2024, 2023 and 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:98.046%"><tr><td style="width:1.0%"></td><td style="width:29.826%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.458%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.321%"></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%">Fair value of financial instruments recognized at amortized cost by levels.</span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2024 (Millions of Euros)</span></div></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td></tr><tr style="height:41pt"><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: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 presented as fair value &#8317;&#185;&#8318;</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%">Level 1</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%">Level 2</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%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #072146;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="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-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-left:0.25pt solid #ffffff;border-top:1pt solid #072146;padding:0 1pt"></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%">Cash, cash balances at central banks and other demand deposits</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%">9</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:7.5pt;font-weight:400;line-height:120%">51,145</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:7.5pt;font-weight:400;line-height:120%">51,145</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:7.5pt;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:7.5pt;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:7.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#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:7.5pt;font-weight:400;line-height:120%">51,145</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">502,400</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:7.5pt;font-weight:400;line-height:120%">32,615</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:7.5pt;font-weight:400;line-height:120%">50,771</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">24,157</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:7.5pt;font-weight:400;line-height:120%">394,496</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:7.5pt;font-weight:400;line-height:120%">502,039</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">59,014</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">50,771</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:7.5pt;font-weight:400;line-height:120%">6,589</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:7.5pt;font-weight:400;line-height:120%">921</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">58,281</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="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></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-weight:400;line-height:120%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">443,386</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:7.5pt;font-weight:400;line-height:120%">32,615</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">17,568</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:7.5pt;font-weight:400;line-height:120%">393,575</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:7.5pt;font-weight:400;line-height:120%">443,759</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt 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="border-left:0.25pt 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></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%">Financial liabilities at amortized cost </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%">22</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:7.5pt;font-weight:400;line-height:120%">584,339</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:7.5pt;font-weight:400;line-height:120%">378,530</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:7.5pt;font-weight:400;line-height:120%">47,323</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:7.5pt;font-weight:400;line-height:120%">58,016</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:7.5pt;font-weight:400;line-height:120%">101,025</span></td><td colspan="3" style="background-color:#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:7.5pt;font-weight:400;line-height:120%">584,894</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="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></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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">496,720</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">360,777</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">37,647</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">98,038</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">496,461</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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">69,867</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">47,323</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">20,369</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">2,986</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">70,679</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">17,753</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:7.5pt;font-weight:400;line-height:120%">17,753</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">17,753</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</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:98.046%"><tr><td style="width:1.0%"></td><td style="width:29.826%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.458%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.321%"></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%">Fair value of financial instruments recognized at amortized cost by levels. </span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2023 (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr style="height:41pt"><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: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 presented as fair value &#8317;&#185;&#8318;</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%">Level 1</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%">Level 2</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%">Level 3</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%">Total</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-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="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="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%">Cash, cash balances at central banks and other demand deposits</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%">9</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:7.5pt;font-weight:400;line-height:120%">75,416</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:7.5pt;font-weight:400;line-height:120%">75,416</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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;font-weight:400;line-height:120%">75,416</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">451,732</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:7.5pt;font-weight:400;line-height:120%">34,826</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:7.5pt;font-weight:400;line-height:120%">41,950</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:7.5pt;font-weight:400;line-height:120%">10,533</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:7.5pt;font-weight:400;line-height:120%">359,062</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:7.5pt;font-weight:400;line-height:120%">446,371</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">49,462</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">41,950</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:7.5pt;font-weight:400;line-height:120%">6,244</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:7.5pt;font-weight:400;line-height:120%">759</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:7.5pt;font-weight:400;line-height:120%">48,952</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="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></tr><tr><td colspan="3" style="background-color:#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%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">402,270</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">34,826</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">4,290</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:7.5pt;font-weight:400;line-height:120%">358,303</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:7.5pt;font-weight:400;line-height:120%">397,418</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></td><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:0 1pt"></td><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:0 1pt"></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%">Financial liabilities at amortized cost </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%">22</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:7.5pt;font-weight:400;line-height:120%">557,589</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:7.5pt;font-weight:400;line-height:120%">358,657</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:7.5pt;font-weight:400;line-height:120%">42,742</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:7.5pt;font-weight:400;line-height:120%">86,390</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:7.5pt;font-weight:400;line-height:120%">68,127</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:7.5pt;font-weight:400;line-height:120%">555,915</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="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></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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">473,835</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">343,611</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">1,269</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">62,049</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">64,601</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">471,530</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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">68,707</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">41,472</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">24,341</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">3,526</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">69,339</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">15,046</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:7.5pt;font-weight:400;line-height:120%">15,046</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">15,046</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div><div><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:29.826%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.458%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.321%"></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;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%">Fair value of financial instruments recognized at amortized cost by levels. </span></div><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%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td></tr><tr style="height:41pt"><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:1pt solid #000;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:8pt;font-weight:700;line-height:120%">Carrying amount presented as fair value &#8317;&#178;&#8318;</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%">Level 1</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%">Level 2</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%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #072146;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%">Total</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-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="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%">Cash, cash balances at central banks and other demand deposits</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%">9</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%">79,756</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%">79,756</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%">&#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:8pt;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:8pt;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:8pt;font-weight:400;line-height:120%">79,756</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">414,421</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%">33,953</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,239</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,580</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%">342,194</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%">412,965</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,639</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-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:8pt;font-weight:400;line-height:120%">26,239</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-weight:400;line-height:120%">9,313</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-weight:400;line-height:120%">759</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-weight:400;line-height:120%">36,311</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="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></tr><tr><td colspan="3" style="background-color:#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%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">377,782</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-weight:400;line-height:120%">33,953</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-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:8pt;font-weight:400;line-height:120%">1,267</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-weight:400;line-height:120%">341,435</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-weight:400;line-height:120%">376,655</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></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%">Financial liabilities at amortized cost </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%">22</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%">529,172</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%">380,520</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%">40,752</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%">43,205</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%">61,118</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%">525,595</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="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></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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">459,662</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">369,387</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,810</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,965</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,731</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">457,894</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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,429</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,942</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,240</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,368</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,550</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,081</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:8pt;font-weight:400;line-height:120%">11,132</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,019</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-weight:400;line-height:120%">14,151</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(2) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div><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%">The fair value of the &#8220;Financial assets at amortized cost&#8221; has been estimated mainly using the valuation techniques of the Present-value method (discounted future cash flows). The main inputs considered for Levels 2 and 3 are the interest rate yield, the prepayment rates and the credit spread. </span></div><div style="margin-bottom:10pt;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 &#8220;Financial liabilities at amortized cost&#8221;, the fair value is also obtained mainly through the Present-value method (discounted future cash flows). The main inputs considered for, at levels 2 and 3, the issuer's credit risk, the interest rate yield and the prepayment rate.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial instruments [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the fair value of financial instruments. [Refer: Classes of financial instruments [domain]; At fair value [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 2024-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 9<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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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_DisclosureOfCashCashBalancesAtCentralBanksAndOtherDemandDepositsExplanatoryTextBlock', window );">Disclosure Of Cash Cash Balances At Central Banks And Other Demand Deposits Explanatory [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt">Cash, cash balances at central banks and other demand deposits</span><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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></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%">8,636</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%">7,751</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%">6,533</span></td></tr><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%">Cash balances at central banks &#8317;&#185;&#8318; </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%">35,306</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,750</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67,314</span></td></tr><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%">7,202</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,916</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,909</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%">8.2</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51,145</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75,416</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79,756</span></td></tr></table></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360573012624">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 10<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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<td class="text">&#160;<span></span>
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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_DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock', window );">Disclosure of financial assets and liabilities held for trading [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial assets and liabilities held for trading</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Breakdown of the balance</span><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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></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></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%">36,003</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%">34,293</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%">39,908</span></td></tr><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"> </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%">6,760</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,589</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404</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%">393</span></td><td colspan="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%">277</span></td><td colspan="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%">317</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%">6,367</span></td><td colspan="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%">4,312</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,086</span></td></tr><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%">27,955</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,569</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,367</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%">768</span></td><td colspan="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%">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:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821</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%">23,671</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,766</span></td><td colspan="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%">20,703</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%">1,665</span></td><td colspan="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%">1,824</span></td><td colspan="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%">1,365</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%">1,852</span></td><td colspan="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%">1,239</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,477</span></td></tr><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%">38,230</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,590</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,993</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%">556</span></td><td colspan="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%">2,809</span></td><td colspan="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%">1,632</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%">556</span></td><td colspan="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%">2,809</span></td><td colspan="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%">1,632</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%">20,938</span></td><td colspan="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%">56,599</span></td><td colspan="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%">25,231</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">(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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">20,918</span></td><td colspan="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%">56,569</span></td><td colspan="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%">25,201</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%">16,736</span></td><td colspan="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%">14,182</span></td><td colspan="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%">15,130</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%">15,108</span></td><td colspan="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%">13,615</span></td><td colspan="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%">14,832</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%">108,948</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">141,042</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">110,671</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></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%">33,059</span></td><td colspan="3" style="border-top:1pt solid #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%">33,045</span></td><td colspan="3" style="border-top:1pt solid #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%">37,909</span></td></tr><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%">13,878</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,735</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,487</span></td></tr><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%">39,654</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,935</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,215</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%">3,360</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,397</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,950</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%">3,360</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,397</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,950</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%">16,285</span></td><td colspan="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%">43,337</span></td><td colspan="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%">28,924</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%">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">(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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">15,994</span></td><td colspan="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%">42,676</span></td><td colspan="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%">28,573</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%">20,010</span></td><td colspan="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%">23,201</span></td><td colspan="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%">11,341</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%">19,913</span></td><td colspan="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%">23,157</span></td><td colspan="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%">11,302</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%">86,591</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">121,715</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,611</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The variation is mainly due to the evolution of "Reverse repurchase agreement" of BBVA, S.A. partially offset by the evolution of "Repurchase agreement" principally of BBVA, S.A.</span></div><div style="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:120%">As of December 31, 2024, 2023 and 2022 &#8220;Short positions&#8221; include &#8364;13,010 million, &#8364;14,914 million and &#8364;12,544 million, respectively, held with the Spanish government and other government agencies.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Derivatives </span><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022, most of the derivatives were mainly contracted in over-the-counter (OTC) markets, with counterparties, consisting primarily of credit institutions and other financial institutions. These derivatives are linked to foreign-exchange rate risk, interest-rate risk and changes in 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%">Below is a breakdown by type of risk and market, of the fair value and notional amounts of financial 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%">2024</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%">2023</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%">2022</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%">11,588</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%">9,627</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%">4,951,022</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%">15,251</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%">13,171</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%">4,741,629</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%">19,563</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%">18,220</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%">4,286,531</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%">11,579</span></td><td colspan="3" style="border-top:1pt solid #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%">9,622</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,930,657</span></td><td colspan="3" style="border-top:1pt solid #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%">15,248</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,167</span></td><td colspan="3" style="border-top:1pt solid #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%">4,722,314</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,558</span></td><td colspan="3" style="border-top:1pt solid #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%">18,215</span></td><td colspan="3" style="border-top:1pt solid #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%">4,278,249</span></td></tr><tr><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%">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:8pt;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:8pt;font-weight:400;line-height:120%">20,365</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:8pt;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:8pt;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:8pt;font-weight:400;line-height:120%">19,315</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,282</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%">2,944</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%">4,303</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%">75,045</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%">2,587</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%">3,723</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%">70,804</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%">3,067</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%">3,770</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%">76,749</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%">682</span></td><td colspan="3" style="border-top:1pt solid #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%">2,347</span></td><td colspan="3" style="border-top:1pt solid #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%">38,612</span></td><td colspan="3" style="border-top:1pt solid #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%">1,212</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,551</span></td><td colspan="3" style="border-top:1pt solid #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%">49,038</span></td><td colspan="3" style="border-top:1pt solid #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%">1,810</span></td><td colspan="3" style="border-top:1pt solid #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%">2,127</span></td><td colspan="3" style="border-top:1pt solid #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%">52,739</span></td></tr><tr><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%">2,261</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%">1,956</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,433</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,375</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:8pt;font-weight:400;line-height:120%">1,172</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,767</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,257</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,643</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,010</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%">21,060</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%">18,704</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%">825,158</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%">15,911</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%">15,608</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%">632,780</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%">16,971</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%">15,528</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%">589,705</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%">21,056</span></td><td colspan="3" style="border-top:1pt solid #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%">18,698</span></td><td colspan="3" style="border-top:1pt solid #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%">810,770</span></td><td colspan="3" style="border-top:1pt solid #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%">15,889</span></td><td colspan="3" style="border-top:1pt solid #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%">15,590</span></td><td colspan="3" style="border-top:1pt solid #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%">623,203</span></td><td colspan="3" style="border-top:1pt solid #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%">16,954</span></td><td colspan="3" style="border-top:1pt solid #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%">15,505</span></td><td colspan="3" style="border-top:1pt solid #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%">580,850</span></td></tr><tr><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%">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: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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,388</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,577</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,855</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%">386</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%">375</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%">42,799</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%">543</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%">542</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%">31,478</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%">299</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%">383</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%">43,450</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%">349</span></td><td colspan="3" style="border-top:1pt solid #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%">369</span></td><td colspan="3" style="border-top:1pt solid #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%">40,847</span></td><td colspan="3" style="border-top:1pt solid #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%">540</span></td><td colspan="3" style="border-top:1pt solid #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%">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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,844</span></td><td colspan="3" style="border-top:1pt solid #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%">293</span></td><td colspan="3" style="border-top:1pt solid #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%">282</span></td><td colspan="3" style="border-top:1pt solid #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%">41,760</span></td></tr><tr><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 spread option</span></td><td colspan="3" style="padding:2px 1pt;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%">&#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></tr><tr><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%">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: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%">1,952</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,475</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%">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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,665</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: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%">&#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%">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: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%">159</span></td><td colspan="3" style="padding:2px 1pt;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%">25</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%">Commodities</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%">25</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%">50</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%">1,939</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%">1</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%">1</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%">169</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%">9</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%">8</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%">60</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:#004580;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 #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%">36,003</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%">33,059</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%">5,895,964</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%">34,293</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%">33,045</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%">5,476,860</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%">39,908</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%">37,909</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%">4,996,495</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%">26,039</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%">23,135</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%">1,742,720</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%">23,998</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%">23,977</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%">1,463,433</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%">28,385</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%">26,454</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%">1,205,895</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%">3,383</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%">4,212</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%">3,914,640</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%">5,042</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%">4,412</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%">3,815,162</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%">5,745</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%">4,493</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%">3,587,546</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%">4,306</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%">3,744</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%">166,402</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%">3,854</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%">3,461</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%">147,310</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%">4,501</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%">5,290</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%">161,882</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of financial assets and liabilities held for trading</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial assets and liabilities held for trading [Abstract]</p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 11<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract', window );"><strong>Non trading financial assets mandatorily at fair value through profit or loss [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock', window );">Disclosure of non trading financial assets mandatorily at fair value through profit or loss [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Non-trading financial assets mandatorily at fair value through profit or loss</span><div style="margin-bottom:10pt;margin-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="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"></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%">2024</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%">2023</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></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:0.05pt;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></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%">9,782</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%">7,963</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%">6,511</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%">407</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">484</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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></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</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%">358</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247</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%">10,546</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%">8,737</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%">6,888</span></td></tr></table></div><div style="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:130%">The equity instruments included in this heading mainly comprised financial assets related to the insurance activity of the BBVA Group, including investments associated with life insurance products where the investment risk is assumed by the policyholder, such as the Unit-link products.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537694880">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 12<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory', window );">Disclosure of financial instruments at fair value through profit or loss [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial assets and liabilities designated at fair value through profit or loss</span><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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></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%">836</span></td><td colspan="3" style="border-top:1pt solid #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%">955</span></td><td colspan="3" style="border-top:1pt solid #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%">913</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-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%">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:8pt;font-weight:400;line-height:120%">934</span></td><td colspan="3" style="border-top:1pt solid #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%">717</span></td><td colspan="3" style="border-top:1pt solid #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%">700</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 certificates issued</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:8pt;font-weight:400;line-height:120%">4,597</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,977</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,288</span></td></tr><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 financial liabilities: Unit-link products</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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,420</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,605</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,592</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"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></div></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%">14,952</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%">13,299</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%">10,580</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 heading includes mainly liabilities linked to insurance products where the risk is assumed by the policyholder (Unit-link products). Since the liabilities linked to insurance products in which the policyholder assumes the risk are valued the same way as the assets associated with such insurance products, there is no credit risk 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, debt securities are included in these headings to reduce inconsistencies (asymmetries) in the valuation of such operations and those operations used to manage the risk associated with them.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of financial instruments measured at fair value through profit or loss. [Refer: At fair value [member]; Classes of financial instruments [domain]]</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 2024-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564563392">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 13<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract', window );"><strong>Financial assets at fair value through other comprehensive income [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock', window );">Disclosure of Financial Assets At Fair Value Through Other Comprehensive Income [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial assets at fair value through other comprehensive income</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Breakdown of the balance</span><div style="margin-bottom:10pt;margin-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 financial assets at fair value through other comprehensive income by type of financial instrument as of December 31, 2024, 2023 and 2022 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%">2024</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%">2023</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></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%">1,451</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%">1,217</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%">1,198</span></td></tr><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%">57,526</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,963</span></td><td colspan="3" style="border-left:1pt 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%">64,150</span></td></tr><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%">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%">26</span></td><td colspan="3" style="border-left:1pt 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%">26</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%">59,002</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,205</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">65,374</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%">(112)</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%">(84)</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%">(123)</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) During financial years 2024 and 2023, 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;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3). </span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Equity instruments</span><div style="margin-bottom:10pt;margin-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 balance sheets as of December 31, 2024, 2023 and 2022 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:41.118%"></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 style="width:1.0%"></td><td style="width:18.160%"></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 style="width:1.0%"></td><td style="width:18.160%"></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 style="width:1.0%"></td><td style="width:18.162%"></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%">Financial assets at fair value through other comprehensive income. Equity instruments (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="display:none"></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;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%">2024</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="padding: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%">2023</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="padding: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%">2022</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="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%">Listed equity instruments</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="border-top:1pt solid #000;padding:0 1pt"></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="border-top:1pt solid #000;padding:0 1pt"></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="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: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%">Spanish companies shares</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="border-left:1pt solid #FFFFFF;border-top:0.5pt 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%">1,100</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="border-left:1pt solid #FFFFFF;border-top:0.5pt 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%">987</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="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt 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%">960</span></td></tr><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%">Foreign companies shares</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="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:7pt;font-weight:400;line-height:120%">131</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="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:7pt;font-weight:400;line-height:120%">111</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="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:7pt;font-weight:400;line-height:120%">138</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%">Mexico</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></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:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">31</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%">The United States</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">79</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">52</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="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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">44</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%">Turkey</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">9</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">7</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 countries</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></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:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">56</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 listed equity instruments</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="background-color:#5AC4C4;border-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%">1,231</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="background-color:#5AC4C4;border-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%">1,098</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="background-color:#5AC4C4;border-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%">1,098</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%">Unlisted equity instruments</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></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="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: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%">Spanish companies shares</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="border-left:1pt solid #FFFFFF;border-top:0.5pt 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%">46</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="border-left:1pt solid #FFFFFF;border-top:0.5pt 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%">12</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="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt 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%">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:7pt;font-weight:400;line-height:120%">Foreign companies shares </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="border-left:1pt solid #FFFFFF;border-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%">174</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="border-left:1pt solid #FFFFFF;border-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%">106</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="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:7pt;font-weight:400;line-height:120%">87</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="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="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 unlisted equity instruments</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="background-color:#5AC4C4;border-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%">220</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="background-color:#5AC4C4;border-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%">119</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="background-color:#5AC4C4;border-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%">100</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">1,451</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="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%">1,217</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="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%">1,198</span></td></tr></table></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Debt securities </span><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022, broken down by issuers, 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:41.118%"></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 style="width:1.0%"></td><td style="width:18.160%"></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 style="width:1.0%"></td><td style="width:18.160%"></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 style="width:1.0%"></td><td style="width:18.162%"></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%">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="3" style="display:none"></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;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2024</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="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%">2023 </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="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:7pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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-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%">Domestic debt securities</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="border-top:1pt solid #000;padding:0 1pt"></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="border-top:1pt solid #000;padding:0 1pt"></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="border-top:1pt solid #000;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%">Government and other government agency</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="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%">10,383</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="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%">13,757</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="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%">17,429</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="border-left:1pt solid #FFFFFF;border-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%">Credit institutions</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">695</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">901</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">854</span></td></tr><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 issuers</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">495</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-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%">11,475</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="background-color:#5AC4C4;border-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%">15,111</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="background-color:#5AC4C4;border-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%">18,779</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%">Foreign debt securities</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="border-top:1pt solid #FFFFFF;padding:0 1pt"></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="border-top:1pt solid #FFFFFF;padding:0 1pt"></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="border-top:1pt solid #FFFFFF;padding:0 1pt"></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%">Mexico</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="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:7pt;font-weight:700;line-height:120%">20,461</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="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:7pt;font-weight:700;line-height:120%">21,714</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="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:7pt;font-weight:700;line-height:120%">16,819</span></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%">Government and other government agency</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="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%">19,313</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="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%">20,364</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="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%">15,452</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="border-left:1pt solid #FFFFFF;border-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%">Credit institutions</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">759</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">777</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 issuers</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">389</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">464</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">590</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="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="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="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="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-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%">The United States</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="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:7pt;font-weight:700;line-height:120%">6,552</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="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:7pt;font-weight:700;line-height:120%">6,344</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="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:7pt;font-weight:700;line-height:120%">5,202</span></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%">Government and other government agency</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="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%">3,703</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="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%">3,174</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="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%">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><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="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:7pt;font-weight:400;line-height:120%">Credit institutions</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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 issuers</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,808</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,082</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,393</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%">Turkey</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="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:7pt;font-weight:700;line-height:120%">2,849</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="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:7pt;font-weight:700;line-height:120%">2,459</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="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:7pt;font-weight:700;line-height:120%">3,858</span></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%">Government and other government agency</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="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%">2,837</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="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%">2,445</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="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%">3,858</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:7pt;font-weight:400;line-height:120%">Other issuers</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></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%">Other countries</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="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:7pt;font-weight:700;line-height:120%">16,190</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="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:7pt;font-weight:700;line-height:120%">15,336</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="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:7pt;font-weight:700;line-height:120%">19,493</span></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%">Other foreign governments and government agency</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="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%">10,059</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="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%">8,961</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="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%">10,340</span></td></tr><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%">Central banks</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">370</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">508</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,094</span></td></tr><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%">Credit institutions</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,921</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,895</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,167</span></td></tr><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 issuers</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,840</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,971</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,892</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-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%">46,052</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="background-color:#5AC4C4;border-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%">45,852</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="background-color:#5AC4C4;border-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%">45,372</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">57,526</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="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%">60,963</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="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%">64,150</span></td></tr></table></div><div style="margin-bottom:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">The credit ratings of the issuers of debt securities as of December 31, 2024, 2023 and 2022 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: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%">2024</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%">2023 </span></td><td colspan="6" 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%">2022</span></div></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 1.18pt 2px 1pt;text-align:right;text-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-left:1pt solid #FFFFFF;border-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%">AAA</span></td><td colspan="3" style="border-top:1pt solid #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%">1,370</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:8pt;font-weight:400;line-height:120%">2.4&#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:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="3" style="border-top:1pt solid #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%">1,000</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:8pt;font-weight:400;line-height:120%">1.6&#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:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #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%">3,339</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:8pt;font-weight:400;line-height:120%">5.2&#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: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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,170</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%">7.2&#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%">3,685</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%">6.0&#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%">490</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%">0.8&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">261</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%">0.5&#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%">384</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%">0.6&#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%">420</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%">0.7&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,061</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%">1.8&#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%">642</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%">1.1&#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%">501</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%">0.8&#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%">905</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%">1.6&#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%">1,798</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%">3.0&#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%">3,866</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%">6.0&#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%">2,007</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%">3.5&#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%">1,747</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%">2.9&#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%">1,725</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%">2.7&#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%">12,018</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%">20.9&#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%">16,009</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%">26.3&#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%">20,350</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%">31.7&#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%">19,897</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%">34.6&#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%">22,854</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%">37.5&#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%">17,252</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%">26.9&#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%">9,212</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%">16.0&#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%">8,327</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%">13.7&#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%">7,470</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%">11.6&#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%">922</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%">1.6&#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%">858</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%">1.4&#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%">1,111</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%">1.7&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,227</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%">9.1&#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%">3,480</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%">5.7&#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%">7,366</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%">11.5&#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%">474</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%">0.8&#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%">178</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%">0.3&#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%">258</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%">0.4&#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%">57,526</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%">100.0</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%">60,963</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%">100.0</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%">64,150</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%">100.0</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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Gains/losses</span><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 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%">2024</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%">2023</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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</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%">2024</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%">2023</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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</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: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%">(357)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(809)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,274</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,112)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,194)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,079)</span></td></tr><tr><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%">(568)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">659</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,049)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;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:8pt;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: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%">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%">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%">20</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%">&#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%">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%">(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: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%">101</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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:#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;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(576)</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(357)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(809)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(905)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,112)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,194)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div>In 2024, 2023 and 2022, equity instruments presented an increase of &#8364;228 million, an increase of &#8364;80 million and a decrease of &#8364;112 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. Likewise, the valuations of debt securities have been affected mainly by the evolution of interest rates.<span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 14<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial assets at amortized cost</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Breakdown of the balance</span><div style="margin-bottom:10pt;margin-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%">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%">2023</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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; </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: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%">59,014</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%">49,462</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%">36,639</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%">6</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</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%">54,806</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,124</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,648</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%">2,459</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,366</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">400</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">923</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">602</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%">1,292</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,027</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">967</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%">8,255</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,151</span></td><td colspan="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%">4,401</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%">22,655</span></td><td colspan="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%">17,477</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,031</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 agreement</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%">9,157</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,786</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,251</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%">13,497</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,690</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,780</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%">412,477</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">377,643</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">357,351</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%">22,111</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,265</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,892</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%">17,497</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,251</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,765</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%">193,386</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171,063</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165,433</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%">179,483</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170,063</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">158,261</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%">502,400</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">451,732</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">414,421</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%">14,211</span></td><td colspan="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%">14,444</span></td><td colspan="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%">13,493</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%">(11,630)</span></td><td colspan="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%">(11,316)</span></td><td colspan="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%">(11,291)</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%">(57)</span></td><td colspan="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%">(82)</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%">(91)</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Debt securities </span><div style="margin-bottom:10pt;margin-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:44.016%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.349%"></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 style="width:1.0%"></td><td style="width:18.744%"></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 style="width:1.0%"></td><td style="width:15.491%"></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></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 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="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:7pt;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:7pt;font-weight:700;line-height:120%">2023</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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">Domestic debt securities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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 #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%">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:7pt;font-weight:400;line-height:120%">35,664</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="border-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%">25,857</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="border-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%">18,397</span></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:7pt;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:7pt;font-weight:400;line-height:120%">1,099</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,028</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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:7pt;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:7pt;font-weight:400;line-height:120%">367</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">230</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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: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:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,130</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="background-color:#5AC4C4;border-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%">27,114</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="background-color:#5AC4C4;border-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%">18,541</span></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 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%">Foreign debt securities</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%">21,884</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="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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 #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%">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:7pt;font-weight:700;line-height:120%">4,139</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="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%">6,277</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="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%">4,222</span></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 #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%">Government and other government agencies</span></td><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%">4,076</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="border-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%">6,205</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="border-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%">4,198</span></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:7pt;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:7pt;font-weight:400;line-height:120%">63</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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 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%">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:7pt;font-weight:700;line-height:120%">2,505</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="padding:2px 1.18pt 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%">2,229</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="padding:2px 1.18pt 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%">2,215</span></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 #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%">Government and other government agencies</span></td><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%">2,463</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="border-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%">2,188</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="border-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%">2,159</span></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="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:7pt;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:7pt;font-weight:400;line-height:120%">20</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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:7pt;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:7pt;font-weight:400;line-height:120%">22</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></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 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%">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:7pt;font-weight:700;line-height:120%">6,764</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="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%">6,284</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="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%">5,332</span></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 #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%">Government and other government agencies</span></td><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%">6,622</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="border-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%">6,167</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="border-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%">5,325</span></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:7pt;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:7pt;font-weight:400;line-height:120%">7</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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:7pt;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:7pt;font-weight:400;line-height:120%">135</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">109</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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 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%">Other countries</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%">8,476</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="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%">7,558</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="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%">6,328</span></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 #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%">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:7pt;font-weight:400;line-height:120%">5,982</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="border-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%">4,707</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="border-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%">4,568</span></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:7pt;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:7pt;font-weight:400;line-height:120%">6</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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:7pt;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:7pt;font-weight:400;line-height:120%">1,269</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,239</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">345</span></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:7pt;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:7pt;font-weight:400;line-height:120%">1,219</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,591</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,394</span></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: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:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,884</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="background-color:#5AC4C4;border-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%">22,348</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="background-color:#5AC4C4;border-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%">18,097</span></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</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%">59,014</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="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%">49,462</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="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%">36,639</span></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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">As of December 31, 2024, 2023 and 2022, 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><table style="border-collapse: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:7pt;font-weight:700;line-height:120%">2024</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%">2023</span></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:7pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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: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%">%</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%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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: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%">%</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%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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: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%">%</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%">AAA</span></td><td colspan="3" style="border-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%">1,907</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%">3.2&#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><td colspan="3" style="border-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%">1,829</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%">3.7&#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><td colspan="3" style="border-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%">3,068</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%">8.4&#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%">AA+</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,418</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%">5.8&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,096</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%">6.3&#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><td colspan="3" style="padding:2px 1pt;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="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%">0.6&#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%">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:7pt;font-weight:400;line-height:120%">69</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%">0.1&#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:7pt;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:7pt;font-weight:400;line-height:120%">142</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%">0.3&#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:7pt;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:7pt;font-weight:400;line-height:120%">82</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%">0.2&#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: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%">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:7pt;font-weight:400;line-height:120%">1,027</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%">1.7&#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:7pt;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:7pt;font-weight:400;line-height:120%">60</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%">0.1&#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:7pt;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:7pt;font-weight:400;line-height:120%">76</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%">0.2&#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: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%">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:7pt;font-weight:400;line-height:120%">22</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%">&#8212;&#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:7pt;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:7pt;font-weight:400;line-height:120%">25</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%">0.1&#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:7pt;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:7pt;font-weight:400;line-height:120%">13</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%">&#8212;&#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: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%">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:7pt;font-weight:400;line-height:120%">497</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%">0.8&#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:7pt;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:7pt;font-weight:400;line-height:120%">444</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%">0.9&#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:7pt;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:7pt;font-weight:400;line-height:120%">524</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%">1.4&#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: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%">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:7pt;font-weight:400;line-height:120%">34,652</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%">58.7&#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:7pt;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:7pt;font-weight:400;line-height:120%">24,739</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%">50.0&#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:7pt;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:7pt;font-weight:400;line-height:120%">17,050</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%">46.5&#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: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%">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:7pt;font-weight:400;line-height:120%">4,518</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%">7.7&#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:7pt;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:7pt;font-weight:400;line-height:120%">6,615</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%">13.4&#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:7pt;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:7pt;font-weight:400;line-height:120%">4,710</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%">12.9&#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: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%">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:7pt;font-weight:400;line-height:120%">4,105</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%">7.0&#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:7pt;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:7pt;font-weight:400;line-height:120%">4,551</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%">9.2&#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:7pt;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:7pt;font-weight:400;line-height:120%">4,091</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%">11.2&#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: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%">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:7pt;font-weight:400;line-height:120%">890</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%">1.5&#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:7pt;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:7pt;font-weight:400;line-height:120%">548</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%">1.1&#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:7pt;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:7pt;font-weight:400;line-height:120%">351</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%">1.0&#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: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%">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:7pt;font-weight:400;line-height:120%">7,199</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%">12.2&#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:7pt;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:7pt;font-weight:400;line-height:120%">6,642</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%">13.4&#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:7pt;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:7pt;font-weight:400;line-height:120%">5,789</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%">15.8&#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: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%">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:7pt;font-weight:400;line-height:120%">711</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%">1.2&#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:7pt;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:7pt;font-weight:400;line-height:120%">772</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%">1.6&#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:7pt;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:7pt;font-weight:400;line-height:120%">667</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%">1.8&#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: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</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%">59,014</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%">100.0</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><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%">49,462</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%">100.0</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><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%">36,639</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%">100.0</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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Loans and advances to customers</span><div style="margin-bottom: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 of the balance under this heading in the consolidated balance sheets, according to their nature, 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: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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">5,307</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%">3,040</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%">4,101</span></td></tr><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%">27,720</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,889</span></td><td colspan="3" style="border-left:1pt 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%">18,898</span></td></tr><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%">31,693</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,096</span></td><td colspan="3" style="border-left:1pt 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%">25,987</span></td></tr><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%">10,125</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,463</span></td><td colspan="3" style="border-left:1pt 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%">8,571</span></td></tr><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 agreement</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">262</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">102</span></td></tr><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%">331,451</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312,186</span></td><td colspan="3" style="border-left:1pt 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%">294,059</span></td></tr><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%">5,919</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,877</span></td><td colspan="3" style="border-left:1pt 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%">5,633</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%">412,477</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%">377,643</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%">357,351</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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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:120%">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, 2024, 2023 and 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:19.855%"></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:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.689%"></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 103pt 2px 1pt;text-align:right;text-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="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-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="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-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="padding:0 1pt;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%">Domestic</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%">Foreign</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%">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:8pt;font-weight:700;line-height:120%">Domestic</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%">Foreign</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%">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:8pt;font-weight:700;line-height:120%">Domestic</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%">Foreign</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%">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%">67,284</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%">85,473</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%">152,757</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%">63,060</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%">77,381</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%">140,441</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%">59,394</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%">67,874</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%">127,269</span></td></tr><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%">62,359</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:8pt;font-weight:400;line-height:120%">65,493</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">127,851</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">66,188</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%">61,723</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">127,911</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69,647</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,440</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123,087</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%">129,642</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%">150,966</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%">280,608</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%">129,248</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%">139,104</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%">268,352</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%">129,042</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%">121,314</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%">250,356</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%">As of December 31, 2024, 2023 and 2022, 54%, 52% and 51%, respectively, of "Loans and advances to customers" with maturity greater than one year have fixed-interest rates and 46%, 48% and 49%, respectively, have variable 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:120%">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%">2024</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%">2023</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%">2022</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%">19,537</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%">20,406</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%">23,290</span></td></tr><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%">8,702</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,493</span></td><td colspan="3" style="border-left:1pt 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%">5,495</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%">28,239</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%">28,899</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%">28,784</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 heading of Loans and advances to customers includes a deposit with the Bank of France associated with the contribution to the Single Resolution Fund for the years 2018, 2017 and 2016, which was made in the form of an irrevocable payment commitment, given that its amount is considered to be recoverable as of December 31, 2024. The resolution of the appeal filed with the Court of Justice of the European Union by a financial institution outside the Group against the decision of the Court of Justice of the European Union rejecting the return of amounts deposited is pending. This could lead to a claim by the Single Resolution Board. In any case, the BBVA Group balance of this deposit as of December 31, 2024 is not significant.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571061216">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 15<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock', window );">Disclosure of Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Derivatives &#8211; Hedge accounting and fair value changes of the hedged items in portfolio hedges of interest rate risk</span><div style="margin-bottom:10pt;margin-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 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%">2024</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%">2023</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></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%">1,158</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:8pt;font-weight:400;line-height:120%">1,482</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,891</span></td></tr><tr><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%">(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:8pt;font-weight:400;line-height:120%">(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:8pt;font-weight:400;line-height:120%">(148)</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%">2,503</span></td><td colspan="3" style="padding:2px 1pt;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%">3,303</span></td></tr><tr><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%">&#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></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, 2024, 2023 and 2022, 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 debt 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 debt 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 (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%">Note 7 analyzes the Group&#8217;s main risks that are hedged using these 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%">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:99.893%"><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:6.295%"></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:8.610%"></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%">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="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="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%">2024</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%">2023</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%">2022</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:0 1pt;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%">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%">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%">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%">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%">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%">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:0 1pt;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:8pt;font-weight:700;line-height:120%">257</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%">344</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%">422</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%">364</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%">656</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%">376</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: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%">257</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%">344</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%">422</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%">364</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%">656</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%">376</span></td></tr><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: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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 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%">Equity</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:700;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #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%">&#8212;</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:700;line-height:120%">&#8212;</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: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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#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: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: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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 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%">Foreign exchange and gold</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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73</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%">93</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%">221</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%">31</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%">259</span></td><td colspan="3" style="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:8pt;font-weight:700;line-height:120%">83</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-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%">73</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%">93</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%">221</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%">31</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%">259</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%">83</span></td></tr><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-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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 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%">Credit</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:700;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:700;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:700;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:700;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:700;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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:700;line-height:120%">&#8212;</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%">Commodities</span></td><td colspan="3" style="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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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%">Other</span></td><td colspan="3" style="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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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%">FAIR VALUE HEDGES</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 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">330</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%">437</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%">644</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%">395</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%">915</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%">459</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:0 1pt;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:8pt;font-weight:700;line-height:120%">618</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%">1,513</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%">490</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%">2,048</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%">470</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%">2,763</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-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%">615</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%">1,513</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%">483</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%">2,048</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%">454</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%">2,763</span></td></tr><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-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%">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: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%">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: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%">16</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 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%">Equity</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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 #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%">Foreign exchange and gold</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 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">142</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%">431</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%">291</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%">41</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%">239</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%">46</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-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%">142</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%">431</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%">291</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%">41</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%">239</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%">45</span></td></tr><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-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%">&#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%">&#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%">&#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%">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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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</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:8pt;font-weight:700;line-height:120%">Credit</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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 #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%">Commodities</span></td><td colspan="3" style="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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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%">Other</span></td><td colspan="3" style="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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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%">CASH FLOW HEDGES</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 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">760</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%">1,944</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%">781</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%">2,089</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%">708</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%">2,809</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%">HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION</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 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">66</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%">122</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%">27</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%">136</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%">213</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%">26</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:0 1pt;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:8pt;font-weight:700;line-height:120%">2</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%">&#8212;</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%">3</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%">5</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%">7</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%">8</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:0 1pt;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:8pt;font-weight:700;line-height:120%">&#8212;</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%">&#8212;</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%">27</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%">&#8212;</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%">48</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%">1</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 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</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%">1,158</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%">2,503</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%">1,482</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%">2,625</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%">1,891</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%">3,303</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:#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-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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">932</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%">2,005</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%">1,237</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%">2,404</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%">1,577</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%">2,911</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%">of which: <br/>OTC - other financial corporations</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">223</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%">499</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%">237</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%">221</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%">297</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%">391</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></table></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%">Below there is a breakdown of the items covered by fair value hedges:</span></div><div style="margin-bottom:10pt;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:26.172%"></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:6.295%"></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:6.450%"></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:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.841%"></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: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;text-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="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%">Hedge adjustments included in the carrying amount of assets/liabilities &#8317;&#185;&#8318;</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%">Remaining adjustments for discontinued micro hedges including hedges of net positions &#8317;&#185;&#8318;</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%">Hedged items in portfolio hedge of interest rate risk</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%">Recognized ineffectiveness in profit or loss</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;text-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="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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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><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><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><td colspan="3" style="background-color:#5AC4C4;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:#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="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%">10,449</span></td><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%">11,308</span></td><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%">(409)</span></td><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%">(652)</span></td><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%">155</span></td><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%">172</span></td><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%">&#8212;</span></td><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%">&#8212;</span></td><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%">16</span></td><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%">(5)</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%">Debt securities</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%">10,449</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%">11,308</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%">(409)</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%">(652)</span></td><td colspan="3" style="background-color:#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%">155</span></td><td colspan="3" style="background-color:#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%">172</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">10,446</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%">11,308</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%">(409)</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%">(652)</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%">155</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%">172</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%">&#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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-left: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%">&#8212;</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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:8pt;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:8pt;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:8pt;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:8pt;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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-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</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="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="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%">&#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: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:#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;padding:2px 1pt;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;padding:2px 1pt;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:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">&#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:8pt;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:8pt;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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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;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%">&#8212;</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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:#929292;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;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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-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%">Financial assets measured at amortized cost</span></td><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%">3,003</span></td><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%">3,248</span></td><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%">(16)</span></td><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%">(114)</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%">519</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%">685</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%">753</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%">936</span></td><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%">(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%">14</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%">Debt securities</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%">2,232</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%">2,304</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%">(48)</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%">(119)</span></td><td colspan="3" style="background-color:#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%">519</span></td><td colspan="3" style="background-color:#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%">685</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">2,232</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%">2,304</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%">(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:8pt;font-style:italic;font-weight:400;line-height:120%">(119)</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%">519</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%">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%">&#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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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;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%">&#8212;</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-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</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%">771</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%">944</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%">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: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:#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;padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">936</span></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-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%">Interest rate</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%">757</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%">944</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%">32</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%">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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">753</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%">936</span></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-left: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%">Foreign exchange and gold</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%">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:8pt;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:8pt;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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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="background-color:#5AC4C4;border-left:1pt solid #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;border-left:1pt solid #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><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><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;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:0 1pt"></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:#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 #5ac4c4;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%">45,613</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">47,180</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">96</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">509</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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%">1</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">(5)</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">(20)</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%">Debt securities issued</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%">42,521</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%">37,916</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%">172</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%">600</span></td><td colspan="3" style="background-color:#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%">1</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">42,521</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%">37,915</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%">172</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%">600</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%">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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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;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</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-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%">Deposits</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%">3,092</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%">9,263</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%">(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:8pt;font-weight:400;line-height:120%">(91)</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%">&#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: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:#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;padding:2px 1pt;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:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">3,092</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%">9,258</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%">(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:8pt;font-style:italic;font-weight:400;line-height:120%">(91)</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%">&#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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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;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</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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%">(1) The balance of discontinued hedges is not 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%">The following is the breakdown, by their notional maturities, of the hedging instruments as of December 31, 2024:</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:right;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:right;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:right;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:right;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:right;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%">5,183</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%">10,799</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%">23,509</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%">20,530</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%">60,021</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">5,160</span></td><td colspan="3" style="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%">10,650</span></td><td colspan="3" style="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%">22,903</span></td><td colspan="3" style="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%">20,023</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">58,735</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%">4,280</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%">16,775</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%">13,346</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%">5,286</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%">39,687</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">4,280</span></td><td colspan="3" style="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%">16,577</span></td><td colspan="3" style="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%">11,689</span></td><td colspan="3" style="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%">2,801</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">35,348</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%">12,222</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%">861</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%">&#8212;</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%">150</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%">13,234</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%">893</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%">179</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%">1,364</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%">406</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%">2,841</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">47</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%">47</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%">22,579</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%">28,614</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%">38,218</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%">26,419</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%">115,830</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%">In 2024, 2023 and 2022, there was no reclassification in the consolidated income statements of any amount that was previously recognized in equity (see Note 41). The amount of the derivatives designated as accounting hedges that did not pass the effectiveness test in the years ended December 31, 2024, 2023 and 2022 was not material.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk [Abstract]</p></div>
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<td style="white-space:nowrap;">bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572943664">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 16<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract', window );"><strong>Investments in subsidiaries, joint ventures and associates reported in separate financial statements [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock', window );">Disclosure of Investments In Subsidiaries Joint Ventures And Associates [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Investments in joint ventures and associates </span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Joint ventures and associates</span><div style="margin-bottom:10pt;margin-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;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><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%">2024</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%">2023</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></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:8pt;font-weight:700;line-height:120%">Joint ventures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span><br/></span></div></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%">38</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%">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:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42</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%">37</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">36</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%">19</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">94</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</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%">Associates</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;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">300</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%">259</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%">259</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%">265</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">251</span></td><td colspan="3" style="border-left:1pt 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%">248</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%">Atom Holdco Limited</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">222</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">132</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%">20</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">20</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 C.V.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">23</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%">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:8pt;font-weight:400;line-height:120%">105</span></td><td colspan="3" style="border-left:1pt 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%">134</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%">895</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">883</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">816</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%">989</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">976</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">916</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:130%">Details of the joint ventures and associates as of December 31, 2024 are shown in Appendix II. </span></div><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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%">2024</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%">2023</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></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%">976</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">916</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">900</span></td></tr><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%">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%">95</span></td><td colspan="3" style="border-left:1pt 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%">87</span></td></tr><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%">(28)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(88)</span></td></tr><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%">(69)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">40</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;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-left:1pt 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%">21</span></td></tr><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%">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: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="border-left:1pt 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)</span></td></tr><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%">Impairment / reversal of impairment &#8317;&#185;&#8318;</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%">63</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">42</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%">Dividends, valuation adjustments and other</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%">(5)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></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%">989</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%">976</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%">916</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) See Note 16.3.</span></div><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%">During the year 2024, the most significant changes under the heading "Joint ventures and associates" correspond to Solaris and </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 Espa&#241;ola de Financiaci&#243;n del Desarrollo S.A</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">. (Cofides) that left the scope of the consolidation perimeter in the first half of the year when the Group ceased to have significant influence in either 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%">During the years 2023 and 2022, the most significant changes under the heading "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%">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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other information about associates and joint ventures</span><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 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, 2024, 2023 and 2022 there was no contingent liability in connection with the investments in joint ventures and associates (see Note 53.2). </span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Impairment</span><div style="margin-bottom:10pt;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 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, 2024, a net reversal of impairment was recorded for &#8364;63 million; for the year ended December 31, 2023, a net impairment was recorded for &#8364;9 million; while for the year ended December 31, 2022, a net reversal of impairment was recorded for &#8364;42 million (see Note 48).</span></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 17<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Tangible assets</span><div style="margin-bottom:10pt;margin-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, and changes in, the balances under 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 2024 (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%">6,405</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%">199</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%">6,424</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%">2,212</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%">238</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%">156</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%">800</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%">16,432</span></td></tr><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%">295</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">513</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">574</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">369</span></td><td colspan="3" style="border-left:1pt 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%">1,914</span></td></tr><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%">(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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(332)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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:7pt;font-weight:400;line-height:120%">(566)</span></td></tr><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%">Acquisition of subsidiaries in the year</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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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:7pt;font-weight:400;line-height:120%">145</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(5)</span></td></tr><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%">Exchange difference and other</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"> </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%">(192)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(145)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(208)</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%">6,475</span></td><td colspan="3" 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%">155</span></td><td colspan="3" 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%">6,848</span></td><td colspan="3" 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%">2,439</span></td><td colspan="3" 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%">251</span></td><td colspan="3" 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%">241</span></td><td colspan="3" 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%">1,158</span></td><td colspan="3" 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%">17,567</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%">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%">1,226</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%">&#8212;</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%">4,606</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%">906</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%">93</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%">17</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%">49</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%">6,896</span></td></tr><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%">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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">501</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">972</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">(87)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(161)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">5</span></td></tr><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%">(56)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">111</span></td><td colspan="3" style="border-left:1pt 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%">(165)</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%">1,262</span></td><td colspan="3" 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%">4,850</span></td><td colspan="3" 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%">1,164</span></td><td colspan="3" 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</span></td><td colspan="3" 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</span></td><td colspan="3" 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%">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%">7,547</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%">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%">166</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%">&#8212;</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%">&#8212;</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%">40</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%">61</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%">15</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%">&#8212;</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%">283</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%">(65)</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%">&#8212;</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%">2</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%">(18)</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%">20</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%">31</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</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%">(29)</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">(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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">(5)</span></td></tr><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%">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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">13</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%">118</span></td><td colspan="3" 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%">22</span></td><td colspan="3" 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</span></td><td colspan="3" 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%">39</span></td><td colspan="3" 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%">260</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%">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><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%">5,013</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%">199</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%">1,817</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%">1,266</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%">84</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%">124</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%">751</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%">9,253</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%">5,094</span></td><td colspan="3" 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%">155</span></td><td colspan="3" 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%">1,999</span></td><td colspan="3" 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%">1,253</span></td><td colspan="3" 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</span></td><td colspan="3" 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%">174</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">1,004</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:7pt;font-weight:700;line-height:120%">9,759</span></td></tr></table></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:25.402%"></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:7.066%"></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="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 2023 (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%">6,255</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%">93</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%">5,833</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%">1,871</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%">214</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%">242</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%">582</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%">15,089</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">190</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">549</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">499</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">238</span></td><td colspan="3" style="border-left:1pt 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%">1,795</span></td></tr><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%">(19)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(117)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(195)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt 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%">(349)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">12</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(22)</span></td></tr><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%">(113)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">118</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(115)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(79)</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%">6,405</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">199</span></td><td colspan="3" 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%">6,424</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:7pt;font-weight:700;line-height:120%">2,212</span></td><td colspan="3" 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%">238</span></td><td colspan="3" 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%">156</span></td><td colspan="3" 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%">800</span></td><td colspan="3" 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%">16,432</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%">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%">1,064</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%">&#8212;</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%">4,204</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%">653</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%">70</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%">23</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%">52</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%">6,066</span></td></tr><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%">121</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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: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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt 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%">867</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">(73)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(111)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(11)</span></td></tr><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%">52</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt 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%">85</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%">1,226</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">4,606</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">906</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">93</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">17</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">49</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">6,896</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%">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%">154</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%">&#8212;</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%">&#8212;</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%">65</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%">50</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%">17</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%">&#8212;</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%">286</span></td></tr><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%">15</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt 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%">16</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(18)</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%">166</span></td><td colspan="3" 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%">40</span></td><td colspan="3" 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%">61</span></td><td colspan="3" 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%">15</span></td><td colspan="3" 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%">283</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%">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><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%">5,036</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%">93</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%">1,629</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%">1,153</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%">94</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%">201</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%">530</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%">8,737</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%">5,013</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%">199</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%">1,817</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%">1,266</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%">84</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%">124</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%">751</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%">9,253</span></td></tr></table></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:25.556%"></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: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 2022 (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" 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: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></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%">4,350</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%">67</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%">5,388</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%">3,154</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%">162</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%">147</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%">267</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%">13,535</span></td></tr><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%">366</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">578</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">19</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">95</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,726</span></td></tr><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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">(140)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,620)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(1,784)</span></td></tr><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 &#8317;&#185;&#8318;</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%">1,392</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">1,392</span></td></tr><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%">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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(54)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(274)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(360)</span></td></tr><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 &#8317;&#178;&#8318;</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%">171</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">193</span></td><td colspan="3" style="border-left:1pt 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%">580</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%">6,255</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">93</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">5,833</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,871</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">214</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">242</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">582</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">15,089</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%">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%">900</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%">&#8212;</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%">3,833</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%">811</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%">47</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%">17</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%">33</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%">5,641</span></td></tr><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%">108</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">295</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">18</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">818</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">(132)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(244)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(392)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">11</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(220)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(139)</span></td></tr><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%">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">59</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">138</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%">1,064</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">4,204</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">653</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">70</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">23</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">52</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">6,066</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%">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%">114</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%">&#8212;</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%">&#8212;</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%">427</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%">34</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%">21</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%">&#8212;</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%">596</span></td></tr><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%">(29)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(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: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%">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%">&#8212;</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%">(53)</span></td></tr><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-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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">13</span></td></tr><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%">70</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(309)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(270)</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%">154</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">65</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">50</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">17</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">286</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%">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><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%">3,336</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%">67</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%">1,555</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%">1,916</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%">81</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%">109</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%">234</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%">7,298</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%">5,036</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%">93</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%">1,629</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%">1,153</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%">94</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%">201</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%">530</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%">8,737</span></td></tr></table></div><div style="text-align:justify"><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%">The amount in 2022 was affected by 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: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 BBVA Group.</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%">(2) </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">The variation in 2022 corresponds mainly to the effect of the IAS 29 "Financial Reporting in Hyperinflationary Economies" implementation in Turkey (see Note</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> 2.2.18).</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%">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, 2024, 2023 and 2022, the cost of fully amortized tangible assets that remained in use were &#8364;3,186, &#8364;2,796 and &#8364;2,443 million respectively while its recoverable residual value was not 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%">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, 2024, 2023 and 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: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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">4,129</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%">4,183</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%">4,285</span></td></tr><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%">5,630</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,071</span></td><td colspan="3" style="border-left:1pt 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%">4,452</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%">9,759</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%">9,253</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%">8,737</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) The number of branches in 2022 was affected by 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.</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%">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) from 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 recognized 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 was recognized 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><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360539724768">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 18<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_IntangibleAssetsAndGoodwillAbstract', window );"><strong>Intangible assets and goodwill [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<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_DisclosureOfIntangibleAssetsExplanatory', window );">Disclosure of intangible assets [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Intangible assets</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Goodwill</span><div style="margin-bottom:10pt;margin-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;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:38.714%"></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:8.936%"></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%">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="padding:2px 1pt;text-align:right;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"> (1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;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:right;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:right;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:right;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></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, 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:8pt;font-weight:700;line-height:120%">504</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">152</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">134</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">818</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%">&#8212;</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="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="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="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%">&#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: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%">55</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="padding:2px 1pt;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</span></td></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></tr><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%">&#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%">(152)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">&#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%">&#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%">(152)</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, 2022</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">559</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">118</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">707</span></td></tr><tr><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="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="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="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="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="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%">&#8212;</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%">64</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">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%">(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%">&#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%">88</span></td></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></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%">&#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%">&#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%">&#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%">&#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%">&#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></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, 2023</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">623</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">795</span></td></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></tr><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%">(82)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(11)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95)</span></td></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></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, 2024</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%">541</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%">&#8212;</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%">132</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</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%">4</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">700</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) As a result of the application of IAS 29, as indicated in Note 2.2.18, the book value of the Turkish CGU exceeded the existing recoverable value, so on January 1, 2022 the goodwill as well as other intangible assets assigned to the Turkish CGU were derecognized.</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 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 2024, 2023 and 2022.</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%">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. </span></div><div style="margin-bottom:10pt;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 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><div style="margin-bottom:10pt;margin-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 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 GDP of the geographical area 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 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><div style="margin-bottom:10pt;margin-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 goodwill corresponds to the CGU in Mexico, the main significant assumptions used in the impairment test of this CGU as of December 31, 2024, 2023 and 2022 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;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%">Impairment test assumptions CGU goodwill in Mexico </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%">2024</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%">2023</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></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%">Discount rate</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="2" style="border-left: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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18.3&#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:8pt;font-weight:400;line-height:120%">&#160;%</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.4&#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:8pt;font-weight:400;line-height:120%">&#160;%</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.7&#160;</span></td><td style="border-right:1pt solid #FFFFFF;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:8pt;font-weight:400;line-height:120%">&#160;%</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.5&#160;</span></td><td style="border-bottom:1pt solid #FFFFFF;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="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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.6&#160;</span></td><td style="border-bottom:1pt solid #FFFFFF;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="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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.3&#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: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></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) After tax discount rates.</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 accordance with paragraph 33.c of IAS 36, as of December 31, 2024, the Group used a growth rate of 5.5% 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><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 fifth 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, 2024, 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%">(3&#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%">3&#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%">2&#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%">(2&#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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(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.</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 - 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:130%">As a result of the application of IAS 29 "Financial Reporting in Hyperinflationary Economies" in 2022, as indicated in Note 2.2.18, 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 assigned to the Turkish CGU were derecognized in their entirety.</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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other intangible assets </span><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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></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%">1,764</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%">1,535</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%">1,393</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%">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:#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-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</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%">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%">25</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%">43</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%">1,790</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%">1,568</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%">1,449</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 changes of this heading during the years ended December 31, 2024, 2023 and 2022, 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:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="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%">2023</span></td><td colspan="3" style="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-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:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="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%">2023</span></td><td colspan="3" style="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-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:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="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%">2023</span></td><td colspan="3" style="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></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%">1,535</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,396</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,239</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%">33</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">56</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">140</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%">1,568</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,453</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,379</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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: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-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%">11</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">782</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">689</span></td><td colspan="3" style="border-left:1pt 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%">592</span></td></tr><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%">(543)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(518)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(490)</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%">(18)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(510)</span></td></tr><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"> </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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</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%">&#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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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: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%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</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%">(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:7pt;font-weight:400;line-height:120%">(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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(63)</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%">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: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-left:1pt 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%">17</span></td></tr><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%">(15)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</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%">(15)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(25)</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%">1,764</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%">1,535</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%">1,396</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%">26</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%">33</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%">56</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%">1,790</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%">1,568</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%">1,453</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, 2024, 2023 and 2022, the cost of fully amortized intangible assets that remained in use were &#8364;4,214 million, &#8364;4,214 million and &#8364;3,490 million respectively, while their recoverable value was not significant.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535624912">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 19<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_TaxAssetsAndLiabiltiesAbstract', window );"><strong>Tax Assets And Liabilties [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfTaxAssetsAndLiabilitiesTextBlock', window );">Disclosure of tax assets and liabilities [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Tax assets and liabilities</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Consolidated tax group</span><div style="margin-bottom:10pt;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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Years open for review by the tax authorities</span><div style="margin-bottom:10pt;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, 2024, the BBVA consolidated tax group in Spain was undergoing inspection in connection with the years 2017 to 2020, 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%">Notwithstanding the above, the application of the temporary tax on credit institutions by BBVA, S.A. for the year 2023 is being reviewed  by the Tax Administration.</span></div><div style="margin-bottom:10pt;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 other main jurisdictions in which the Group is present and carries out its activity, in Mexico, during fiscal year 2024 the review procedure corresponding to fiscal year 2018 for the income tax of BBVA M&#233;xico, S.A. has continued.</span></div><div style="margin-bottom:10pt;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 coverage, if applicable, of tax risks identified in the consolidated financial statements, it may involve either the recording of a provision or a lower deferred tax asset or tax credit to the extent that the risk being hedged had previously given rise to the registration of a deferred tax asset or tax credit.</span></div><div style="margin-bottom:10pt;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, in the terms indicated in the previous paragraph, the Group has established provisions that, without prejudice to the uncertainty associated with any ongoing processes, it considers appropriate taking into account the identified risks (in accordance with the relevant evaluation and estimation possibilities of such risks) and that, in no case, are considered individually 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%">Without prejudice to the foregoing, due to the possible different interpretations that may be given to certain tax regulations, the results of the inspections that, where appropriate, are carried out by the tax authorities are likely to reveal other contingent tax liabilities, the amount of which It is not possible to quantify objectively at the present time. However, the Group estimates that the possibility of these contingent liabilities materializing is remote and, in any case, the tax debt that could arise from them would not significantly affect the accompanying consolidated financial statements of the Group.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Reconciliation of the tax expense</span><div style="margin-bottom:10pt;margin-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="padding:2px 1pt;text-align:center;text-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="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%">2023</span></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%">2022 &#8317;&#185;&#8318; </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-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%">15,405</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%">12,419</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%">10,268</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%">15,405</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%">12,419</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%">10,268</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">4,622</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%">3,726</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%">3,080</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 &#8317;&#178;&#8318;</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%">193</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%">2</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%">317</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%">(180)</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%">28&#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%">(194)</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%">27&#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%">(203)</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%">26&#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></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%">Chile </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%">(2)</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%">23&#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%">(4)</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%">11&#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%">(8)</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%">13&#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></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%">Colombia </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%">(1)</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%">29&#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%">(25)</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%">14&#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%">24</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%">37&#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></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%">Peru </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%">(44)</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%">23&#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%">(55)</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%">20&#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%">(16)</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%">27&#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></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%">Turkey</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%">498</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%">62&#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%">314</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%">57&#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%">621</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%">70&#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></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%">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%">(14)</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%">26&#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%">5</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%">33&#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%">17</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%">17&#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></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%">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%">(64)</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%">(39)</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%">(118)</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%">(44)</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%">(26)</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%">(25)</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%">(14)</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%">(8)</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%">(6)</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 &#8317;&#179;&#8318;</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%">73</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%">309</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%">139</span></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:#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%">4,830</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%">4,003</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%">3,505</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%">4,830</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%">4,003</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%">3,505</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%">&#8212;</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%">&#8212;</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%">&#8212;</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">(2) 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.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Regarding 2024, it shows the net impact of several tax effects that include, among others, (i) the accounting record of the impact associated with the declaration of unconstitutionality of certain measures relating to the Spanish Corporate Income Tax introduced by Royal Decree-Law 3/2016, as well as the impact of some of the measures introduced by Law 7/2024 on Corporate Income Tax that, in particular, are aimed at reinstating the measures declared unconstitutional, (ii) the non-deductibility of the temporary taxation of credit institutions recorded for accounting purposes in the year 2024 (see Note 19.6), and (iii) the effects of the limitation of the exemption on intra-group dividends and the withholding taxes associated with 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%">The effective income tax rate for the Group in the years ended December 31, 2024, 2023 and 2022 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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%">4,810</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%">2,601</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%">2,206</span></td></tr><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%">(41)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(462)</span></td></tr><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%">10,636</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,812</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,524</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%">15,405</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,419</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%">10,268</span></td></tr><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%">Tax expense or income related to profit or loss from continuing operations &#8317;&#178;&#8318;</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%">4,830</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,003</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,505</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%">31.4</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%">32.2</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%">34.1</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><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In 2024, &#8364;3,970 million and &#8364;860 million corresponded to current tax expenses and deferred tax expenses, respectively.</span></div><div style="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%">In 2024, in general terms, there have been no changes in the nominal Corporate Income Tax rate in the main countries in which the Group is present compared to those existing in the previous period. In 2023, the changes in the nominal tax rate in Corporate Income Tax, with respect to those existing in the previous year in the main countries in which the Group is present, were Turkey (from 25% to 30%) and Colombia (from 38% to 40%).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Income tax recognized in equity</span><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Regardless of the income tax expense recognized in the consolidated income statements, the Group has recognized income tax charges in the consolidated total equity in 2024, 2023 and 2022 for &#8364;543 million, &#8364;285 million and &#8364;745 million, respectively, mainly due to debt securities, actuarial gains and losses and cash flow hedges. </span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Tax assets and liabilities</span><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#178;&#8318;</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: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 &#8317;&#185;&#8318;</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%">4,295</span></td><td colspan="3" style="border-top:1pt solid #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%">2,860</span></td><td colspan="3" style="border-top:1pt solid #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%">1,978</span></td></tr><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%">14,354</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,641</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,747</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%">534</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%">445</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%">422</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%">1,335</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%">1,069</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%">1,478</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%">2,158</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%">2,127</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%">1,834</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%">1,495</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%">1,467</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%">1,261</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%">7,979</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%">8,534</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%">8,689</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%">853</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%">999</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%">1,063</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%">18,650</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,501</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,725</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 &#8317;&#185;&#8318;</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%">575</span></td><td colspan="3" style="border-top:1pt solid #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%">878</span></td><td colspan="3" style="border-top:1pt solid #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%">1,415</span></td></tr><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%">2,458</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,677</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,520</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%">915</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%">761</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%">557</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%">1,543</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%">916</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%">963</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%">3,033</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%">2,554</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%">2,935</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In 2024, the increase in current tax assets corresponds mainly to a higher tax receivable of the tax group in Spain, as well as in Mexico and Colombia, in relation to the Corporate Income Tax for the year 2024 related to the installment payments made in the year. On the other hand, the decrease in current tax liabilities corresponds mainly to the decrease in the tax payable in Mexico and Argentina in relation to the estimated income tax for the year 2023.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">The most significant variations of the deferred tax assets and liabilities in the years 2024, 2023 and 2022 were derived from the following items:</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: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%">2024</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%">2023</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%">2022&#8317;&#185;&#8318;</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 #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%">Deferred assets</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%">Deferred liabilities</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%">Deferred assets</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%">Deferred liabilities</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%">Deferred assets</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%">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%">14,641</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%">1,677</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%">14,747</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%">1,520</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%">14,917</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%">1,769</span></td></tr><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%">89</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-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%">266</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(409)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(567)</span></td></tr><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%">31</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">293</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">158</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-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%">28</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">627</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">206</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">318</span></td></tr><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%">Secured 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%">(555)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(155)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(615)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-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%">(146)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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%">&#8212;</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%">14,354</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%">2,458</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%">14,641</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%">1,677</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%">14,747</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%">1,520</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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:115%">The changes in deferred tax assets and liabilities in 2024 were mainly attributable 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">Secured tax assets decreased as a result of the offsetting of these assets provided for in the estimate of the Spanish tax group's income tax for 2024, as well as due to the effects associated with the declaration of unconstitutionality of certain measures relating to Corporate Income Tax introduced by Royal Decree Law 3/2016 in 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">There was a decrease in tax assets due to tax losses because, in 2024, the tax Group in Spain generated positive taxable income that allowed the offsetting of tax losses and deductions; its balance was also affected, among others, by the effects associated with the declaration of unconstitutionality referred to above.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Changes in the amount of deferred tax assets (other than those guaranteed and those linked to tax losses) net of deferred tax liabilities were mainly due to the effect of exchange rates, especially in the case of Mexico and Turkey, the effects associated with the valuation of financial instruments and the functioning of the Corporate Income Tax in which, due to the differences between accounting and taxation criteria, there are 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 shown 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><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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;230, &#8364;96 and &#8364;88 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%">With respect to the deferred tax assets shown above, the table below shows the amounts guaranteed by the Spanish government, broken down by the items that originated the relevant assets:</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%">2024</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%">2023</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></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%">1,622</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,622</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,622</span></td></tr><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%">6,357</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:8pt;font-weight:400;line-height:120%">6,912</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,067</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%">7,979</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%">8,534</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%">8,689</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, 2024, non-guaranteed net deferred tax assets amounted to &#8364;3,918 million (&#8364;4,430 million and &#8364;4,537 million as of December 31, 2023 and 2022, respectively). The breakdown by major geographical areas was 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;1,421 million as of December 31, 2024 (&#8364;1,805 and &#8364;2,424 million as of December 31, 2023 and 2022, respectively). &#8364;685 million of the figure recorded in the year ended December 31, 2024 for net deferred tax assets related to tax credits and tax loss carry forwards and &#8364;736 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;1,798 million as of December 31, 2024 (&#8364;1,899 and &#8364;1,640 million as of December 31, 2023 and 2022, respectively). Practically all of deferred tax assets as of December 31, 2024 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;245 million as of December 31, 2024 (&#8364;213 and &#8364;227 million as of December 31, 2023 and 2022, respectively). Of the figure recorded at year-end 2024 for net deferred tax assets, &#8364;147 million relate to tax credits for tax loss carryforwards and &#8364;98 million have arisen as 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;443 million as of December 31, 2024 (&#8364;499 and &#8364;228 million as of December 31, 2023 and 2022, respectively). All of the deferred tax assets have arisen as 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, 2024, including historical levels of benefits and projected results available to the Group, 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. In this respect, in the specific case of the tax Group in Spain, the Group estimates that it will be able to generate sufficient taxable income to offset the tax loss carryforwards and deductions recorded for accounting purposes within a period under 10 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%">On the other hand, the Group has not recognized for accounting purposes (or, as the case may be, has been subject to a valuation adjustment) certain deferred tax assets (tax loss carryforwards, deductions and temporary differences) for which, in general, there is no legal period for offsetting, amounting to approximately &#8364;2,507 million (in terms of quota), which mainly arise from the integration of Catalunya Banc in the case of Spain, in accordance with the following breakdown by each of the jurisdictions in which the Group is located and carries on its business activities: (i) Spain: &#8364;2,395,411 thousand; (ii) United States: &#8364;37,829 thousand; (iii) Mexico: &#8364;24,615 thousand; (iv) France: &#8364;12,939 thousand; (v) Portugal: &#8364;11,654 thousand; (vi) Colombia: &#8364;10,718 thousand; (vii) Peru: &#8364;4,289 thousand; (viii) Brazil: &#8364;3,164 thousand; (ix) Japan: &#8364;2,766 thousand; (x) Turkey: &#8364;2,943 thousand; (xi) Netherlands: &#8364;794 thousand; (xii) Singapore: &#8364;171 thousand; and (xiii) China: &#8364;64 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%">In connection with the above, it should be noted that within the framework of the ongoing process of rationalization of the Group's corporate structure which, among other things, may provide for the future dissolution and liquidation of companies, the materialization of the aforementioned deferred tax assets not recognized for accounting purposes may take place in the Group company that is a shareholder of the entity being dissolved and liquidated, as a result of the disclosure of tax losses pending deduction associated with the shareholding of the company which, as the case may be, is dissolved and liquidated.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other contributions and taxes</span><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:120%">Temporary tax on credit institutions 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%">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 on those credit institutions that operate in Spain whose aggregate interest income and fee and commission income in 2019 was &#8364;800 million or more. </span></div><div style="margin-bottom:10pt;margin-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 non-taxable equity benefit to be paid is 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 make such a payment 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 impact of the payment required to be made by BBVA on account of this benefit in 2024 amounted to &#8364;285 million and was recorded under "Other operating expense" in the consolidated income statement (see Note 42).</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:120%">Tax on net interest income and commissions of certain financial institutions 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On December 21, 2024, Law 7/2024 was published in the Official State Gazette, the ninth Final Provision of which regulates a new tax on the interest margin and commissions of certain financial entities, including Banco Bilbao Vizcaya Argentaria, S.A. The tax is levied on the interest margin and commissions obtained by credit institutions from the activity they carry out in Spain and is applicable to the first three consecutive tax periods that begin on January 1, 2024.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subsequently, Royal Decree-Law 9/2024, which came into force on December 25, 2024, modified certain aspects of the tax approved by Law 7/2024, among other things, the tax period and the accrual of the new tax. However, this Royal Decree-Law has not been validated by the Congress of Deputies so, as of the date of these Consolidated Financial Statements, it is repealed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">No impact associated with this tax has been recorded in the Consolidated Financial Statements for the year ended December 31, 2024. </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%">Complementary tax to ensure a global minimum top up tax for multinational groups and large domestic groups (Pillar Two)</span></div><div style="margin-bottom:10pt;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 20, 2024, Law 7/2024 of December 20, 2024 was approved in Spain, establishing a Complementary Tax to guarantee an overall minimum level of taxation for multinational groups and large domestic groups, a Tax on the net interest income and fee and commission of certain financial institutions and a Tax on liquids for electronic cigarettes and other tobacco-related products, and amending other tax 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%">This law transposes Council Directive (EU) 2022/2523 of December 15, 2022, which incorporates the Pillar Two rules into the European legal 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 aforementioned Law has been approved with effect for tax periods beginning on or after December 31, 2023. Consequently, at the end of the year 2024, the Group is subject to the Pillar Two 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%">In compliance with current legislation, the Group has calculated the estimated impact of the Complementary Tax based on the Transitional Safe Harbor analysis and on the basis of the figures used in the preparation of the Group's consolidated financial statements in each of its constituent jurisdictions.</span></div><div style="margin-bottom:10pt;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 this estimated calculation, it has been determined that most of the jurisdictions in which the Group operates, with the exception of a small number of countries representing an immaterial percentage of the BBVA Group's profit (loss) before tax, exceed the minimum effective tax rate of 15% and, therefore, do not accrue Complementary Tax. For those jurisdictions that do not meet this threshold, BBVA, S.A., as the ultimate parent company of the Group, as of December 31, 2024, has recognized as a current tax expense the corresponding estimated supplementary tax associated with those jurisdictions, the amount of which is very immaterial.</span></div><div style="margin-bottom:10pt;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, it should be noted that the BBVA Group applies the mandatory exception to the recognition and disclosure of deferred tax assets and liabilities in relation to Pillar Two.</span></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 20<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Other assets and liabilities </span><div style="margin-bottom:10pt;margin-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 balances of these headings of 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:99.585%"><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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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"><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%">Inventories &#8317;&#178;&#8318; </span></div></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%">1,299</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%">276</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%">325</span></td></tr><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%">482</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%">41</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%">93</span></td></tr><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%">1,862</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%">1,368</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%">1,461</span></td></tr><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%">1,881</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%">1,174</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%">706</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%">5,525</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%">2,859</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,586</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%">306</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%">133</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%">44</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%">3,066</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%">2,878</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%">2,595</span></td></tr><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></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%">1,997</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%">2,466</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%">2,269</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%">5,370</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,477</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,909</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div>(2) The variation in 2024 corresponds mainly to the acquisition of land plots from the Group's real estate company Crea Madrid Nuevo Norte, S.A. in relation to an urban planning operation in Madrid.<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Other Assets And Liabilities</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571058464">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 21<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract', window );"><strong>Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock', window );">Disclosure of non current assets and liabilities and disposal groups classified as held for sale [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale </span><div style="margin-bottom: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 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%">2024</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%">2023</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></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%">847</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%">943</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%">1,070</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,026</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,063</span></td></tr><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%">55</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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">(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%">(46)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(84)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td></tr><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%">(645)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,005)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,057)</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%">828</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">923</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,022</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"> </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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The variation in 2024 is mainly due to sales of properties by the companies Tree Investments Inmobiliarias, SOCIMI, SA and Banco Bilbao Vizcaya Argentaria, S.A. </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%">(2) Corresponds to the accumulated depreciation of assets before their classification as "Non-current assets and disposal groups classified as held for sale".</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:120%">Non-current assets and disposal groups classified as 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%">The changes in the balances of &#8220;Non-current assets and disposal groups classified as held for sale&#8221; in 2024, 2023 and 2022, 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:99.893%"><tr><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: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: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: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:4.603%"></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></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 #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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: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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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: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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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: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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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:700;line-height:120%">2022</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%">943</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%">1,070</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%">1,218</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%">943</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%">970</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%">452</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%">43</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%">39</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%">41</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%">1,928</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%">2,078</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%">1,711</span></td></tr><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%">250</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">190</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">211</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">18</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">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:6pt;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: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="border-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">283</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">192</span></td><td colspan="3" style="border-left:1pt 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%">214</span></td></tr><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 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-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">592</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">592</span></td></tr><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%">Retirements (sales and other decreases)</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%">(338)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(323)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(353)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(446)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(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: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="border-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(784)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(357)</span></td><td colspan="3" style="border-left:1pt 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%">(465)</span></td></tr><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></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%">(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: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-left:1pt solid #FFFFFF;border-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%">(6)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">57</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">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:#000000;font-family:'Arial',sans-serif;font-size:6pt;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: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-left:1pt solid #FFFFFF;border-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%">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:6pt;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: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="border-left:1pt solid #FFFFFF;border-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%">15</span></td><td colspan="3" style="border-left:1pt 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%">27</span></td></tr><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-left:1pt solid #FFFFFF;border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-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%">&#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:6pt;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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">847</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">943</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,070</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">572</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">943</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">970</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">55</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">43</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">39</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,473</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,928</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">2,078</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%">299</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%">356</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%">381</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%">706</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%">701</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%">269</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">1,005</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%">1,057</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%">650</span></td></tr><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:2px 1pt;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="border-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%">24</span></td><td colspan="3" style="border-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%">16</span></td><td colspan="3" style="border-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%">64</span></td><td colspan="3" style="border-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%">59</span></td><td colspan="3" style="border-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%">27</span></td><td colspan="3" style="border-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%">158</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">83</span></td><td colspan="3" style="border-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%">42</span></td><td colspan="3" style="border-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%">221</span></td></tr><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 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 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-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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%">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 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-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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%">Retirements (sales and other decreases)</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%">(91)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(89)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(352)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(22)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(46)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">(443)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(111)</span></td><td colspan="3" style="border-left:1pt 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%">(148)</span></td></tr><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%">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:#000000;font-family:'Arial',sans-serif;font-size:6pt;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: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="border-left:1pt solid #FFFFFF;border-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%">(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:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">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:middle"><span 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-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="border-left:1pt 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%">333</span></td></tr><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 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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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:#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%">237</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">299</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">356</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">409</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">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:6pt;font-weight:700;line-height:120%">701</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">645</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,005</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,057</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%">610</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%">644</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%">714</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%">163</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%">236</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%">269</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%">55</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%">43</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%">39</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%">828</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%">923</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%">1,022</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Net of accumulated amortization until assets were reclassified as &#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:120%">As indicated in Note 2.2.6, &#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, 2024, 2023 and 2022 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:120%">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:120%">As of December 31, 2024, 2023 and 2022, assets from foreclosures and recoveries, net of impairment losses, by nature of the asset, amounted to &#8364;404 million, &#8364;460 million and &#8364;478 million in assets for residential use; &#8364;169 million, &#8364;154 million and &#8364;199 million in assets for tertiary use (industrial, commercial or office) and &#8364;31 million, &#8364;26 million and &#8364;34 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:120%">As of December 31, 2024, 2023 and 2022, 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:120%">During the years 2024, 2023 and 2022, 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;12 million, &#8364;22 million and &#8364;43 million, respectively; with an average financing of 69% of the sales price during 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:120%">As of December 31, 2024, 2023 and 2022, 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><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561708832">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 22<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock', window );">Disclosure of Financial liabilities at amortised cost [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Financial liabilities at amortized cost</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:15.99pt">Breakdown of the balance</span><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">496,720</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%">473,835</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%">459,662</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%">14,668</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,309</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,323</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%">657</span></td><td colspan="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%">159</span></td><td colspan="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%">205</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%">6,369</span></td><td colspan="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%">12,203</span></td><td colspan="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%">33,534</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 agreement</span></td><td colspan="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%">7,642</span></td><td colspan="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%">7,947</span></td><td colspan="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%">4,584</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%">34,406</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,039</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,935</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%">6,977</span></td><td colspan="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%">6,629</span></td><td colspan="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%">11,434</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%">15,049</span></td><td colspan="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%">12,871</span></td><td colspan="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%">11,787</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 agreement</span></td><td colspan="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%">12,380</span></td><td colspan="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%">20,539</span></td><td colspan="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%">3,714</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%">447,646</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">413,487</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">394,404</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%">331,780</span></td><td colspan="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%">317,543</span></td><td colspan="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%">316,082</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%">106,658</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%">91,740</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%">76,063</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 agreement</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%">9,208</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%">4,204</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%">2,259</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 issued</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69,867</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68,707</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,429</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%">17,753</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,046</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,081</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%">584,339</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%">557,589</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%">529,172</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">As of December 31, 2024, all drawdowns of the TLTRO III program have been repaid. As of December 31, 2023 and 2022, the amount recorded in "Deposits from central banks - Time deposits and other" included the drawdowns of the TLTRO III facilities of the ECB, mainly by BBVA, S.A., amounting to &#8364;3,660 million and &#8364;26,711 million, respectively.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Deposits from credit institutions</span><div style="margin-bottom:10pt;margin-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: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: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:right;text-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:right;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:right;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:right;text-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="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 2024</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%">1,039</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%">3,116</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%">538</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%">4,693</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">981</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-left:1pt 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%">2,185</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%">158</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,002</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">2,162</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%">577</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,387</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">2,963</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%">2,942</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,313</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%">11,578</span></td><td colspan="3" style="border-left:1pt 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%">17,832</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%">1,289</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,250</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">4,570</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%">6,977</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,049</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,380</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,406</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 2023</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%">1,252</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%">2,434</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%">899</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%">4,585</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%">789</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">642</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">1,431</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">535</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">587</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%">416</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,242</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">2,659</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%">3,011</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,742</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,344</span></td><td colspan="3" style="border-left:1pt 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%">25,097</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%">1,145</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,277</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">259</span></td><td colspan="3" style="border-left:1pt 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%">5,681</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%">6,629</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,871</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,539</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">40,039</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 2022</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%">1,215</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%">1,429</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%">67</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%">2,709</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%">855</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">1,587</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%">10</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">633</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">672</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%">844</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,251</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">3,095</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%">3,613</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,944</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,669</span></td><td colspan="3" style="border-left:1pt 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%">8,226</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%">4,897</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,797</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,949</span></td><td colspan="3" style="border-left:1pt 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%">10,645</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%">11,434</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,787</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,714</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,935</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Subordinated deposits are included amounting to &#8364;48, &#8364;35 and &#8364;24 million as of December 31, 2024, 2023 and 2022, respectively.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Customer deposits</span><div style="margin-bottom:10pt;margin-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="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: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%">Time deposits </span></div><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%">and other &#8317;&#185;&#8318; &#8317;&#178;&#8318; </span></div></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 2024</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%">186,489</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%">22,501</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%">6,474</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%">215,464</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%">70,133</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,319</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">987</span></td><td colspan="3" style="border-left:1pt 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%">85,439</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%">23,228</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,388</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">652</span></td><td colspan="3" style="border-left:1pt 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%">49,267</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%">32,443</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,232</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">52,675</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%">17,170</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,613</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,095</span></td><td colspan="3" style="border-left:1pt 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%">35,878</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%">2,318</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,605</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">8,922</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%">331,780</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,658</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%">9,208</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">447,646</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 2023</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%">179,825</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%">17,952</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%">4</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%">197,780</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%">76,122</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,067</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,638</span></td><td colspan="3" style="border-left:1pt 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%">92,828</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%">20,423</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,485</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,331</span></td><td colspan="3" style="border-left:1pt 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%">43,239</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%">26,888</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,349</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">44,237</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%">12,863</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,257</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,231</span></td><td colspan="3" style="border-left:1pt 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%">30,350</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%">1,422</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,630</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">5,052</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%">317,543</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,740</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%">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%">413,487</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318;</span></div></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%">188,803</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%">13,937</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%">2</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%">202,742</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%">64,671</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,916</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">630</span></td><td colspan="3" style="border-left:1pt 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%">78,217</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%">22,117</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,254</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">747</span></td><td colspan="3" style="border-left:1pt 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%">40,118</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%">27,083</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,505</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">41,587</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%">11,670</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,224</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">880</span></td><td colspan="3" style="border-left:1pt 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%">26,774</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%">1,737</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,228</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">4,965</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%">316,082</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">76,063</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,259</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">394,404</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Subordinated deposits are included amounting to &#8364;8 million as of December 31, 2024. As of December 31, 2023 and 2022, no subordinated deposits were recorded under this heading.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Debt certificates </span><div style="margin-bottom:10pt;margin-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 type of financial instrument 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 issued (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%">2024</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%">2023</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></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%">37,118</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%">44,622</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%">35,611</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%">1,360</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%">5,416</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%">1,079</span></td></tr><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%">17,788</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,256</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,979</span></td></tr><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"> </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%">5,825</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,734</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,665</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: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">(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%">519</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">800</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">959</span></td></tr><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%">2,201</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,168</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,501</span></td></tr><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%">1,030</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,182</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">8,395</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,066</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,289</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%">2,750</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%">3,000</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%">3,000</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%">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%">5,645</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%">4,066</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%">3,289</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%">32,748</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%">24,086</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%">19,819</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%">2,962</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%">336</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%">351</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%">12,136</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%">8,684</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%">9,323</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"> </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%">95</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%">99</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%">114</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">(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%">5,327</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%">4,722</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%">3,724</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">1,067</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%">1,479</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%">111</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%">11,161</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%">8,766</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%">6,196</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%">2,888</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%">2,715</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%">1,876</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%">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%">8,273</span></td><td colspan="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%">6,051</span></td><td colspan="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%">4,320</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%">69,867</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%">68,707</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%">55,429</span></td></tr></table></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Subordinated liabilities</span><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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%">2022</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%">56</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%">35</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%">24</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%">19,556</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%">15,832</span></td><td colspan="3" style="border-left:1pt 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%">12,485</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%">5,638</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%">5,715</span></td><td colspan="3" style="border-left:1pt 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%">4,876</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%">13,918</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%">10,117</span></td><td colspan="3" style="border-left:1pt 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%">7,609</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%">19,612</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%">15,867</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%">12,509</span></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: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 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 (CoCo), 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.</span></div><div style="margin-bottom:10pt;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 the following contingently convertible issuances that qualify as additional tier 1 capital of the Bank and the Group in accordance with Regulation (EU) 575/2013 throughout the financial years 2023 and 2024:</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 21, 2023, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of &#8364;1 billion. This issuance is listed in the Global Exchange Market of Euronext Dublin and was targeted only at qualified investors, not being offered or sold to any retail clients.</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 September 19, 2023, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of USD 1 billion. This issuance is listed on the New York Stock Exchange and was targeted only at qualified investors, not being offered or sold to any retail clients.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 13, 2024, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of &#8364;750 million. This issuance is listed in the Global Exchange Market of Euronext Dublin and was targeted only at qualified investors, 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%">Additionally, on January 14, 2025, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of USD 1 billion. This issuance is listed on the New York Stock Exchange and was targeted only at qualified investors, 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%">These perpetual securities issued, where appropriate, 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 2022, 2023 and 2024 the Bank has early redeemed the following issues:</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 contingently convertible preferred securities (which qualified as additional tier 1 instruments) issued 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:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 September 24, 2023, the Bank early redeemed the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on September 24, 2018, for an amount of &#8364;1 billion on the First Reset Date and once the prior consent from the Regulator was obtained.</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 March 29, 2024, the Bank early redeemed the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on March 29, 2019, for an amount of &#8364;1 billion on the First Reset Date and once the prior consent from the Regulator was obtained.</span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Additionally, on January 28, 2025, the Bank announced its irrevocable decision to redeem in whole on March 5, 2025, the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on September 5, 2019, for an amount of USD 1 billion 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%">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 (CoCo) 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, limiting this power to the extent that the nominal amount of the capital increases agreed or executed in order to satisfy conversion of the issues carried out excluding the pre-emptive subscription right by virtue of this power (without prejudice to anti-dilution adjustments) and any agreed or executed in use of the power under the item 4 of the Agenda of the same General Meeting, described in Note 26, excluding the pre-emptive subscription right, do not exceed a maximum aggregated nominal amount of 10% of BBVA's share capital at the time the resolution was adopted.</span></div><div style="margin-bottom:10pt;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 preparation of these Consolidated Financial Statements, the Bank has not made use of the authority granted by the BBVA Annual General Shareholders' Meeting held on March 18, 2022.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other financial liabilities</span><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</span></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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</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"><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></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%">1,467</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%">1,507</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%">1,398</span></td></tr><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%">4,859</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,439</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,584</span></td></tr><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%">3,693</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,642</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,426</span></td></tr><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></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%">7,734</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,458</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,673</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%">17,753</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,046</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,081</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:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="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%">A breakdown of the maturity of the lease liabilities, due after December 31, 2024 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%">175</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%">285</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%">239</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%">768</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%">1,467</span></td></tr></table></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 23<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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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_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock', window );">Disclosure of Assets and Liabilities under reinsurance and insurance contracts [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Assets and liabilities under insurance and reinsurance contracts</span><div style="margin-bottom:10pt;margin-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, Latin America (mostly in Mexico) and Turkey. Specifically, the insurance entities located in Spain and Mexico together accounted for approximately 95% in terms of total liabilities under insurance and reinsurance contracts as of December 31, 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 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">Longevity risk: is the risk of incurring higher benefit payments than expected due to an increase in the life expectancy 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 activity is fully integrated into the BBVA Group's risk management framework. From the definition of the risk appetite to the management limits, the governance model, the admission process, the organizational scheme and the development of computer systems/models, everything is designed with a global approach and under consistent and homogeneous criteria, aligned with other financial business of the BBVA Group. This also means that control activities and information flow are fully integrated into internal processes, from local reporting to the corporate 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%">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 accounting and 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 amounts that the consolidated insurance entities are entitled to receive from reinsurance contracts they maintain with third parties are recognized under the heading &#8220;Assets under reinsurance and insurance contracts&#8221; in the consolidated balance sheets. As of December 31, 2024, 2023 and 2022, the balance under this heading amounted to &#8364;191 million, &#8364;211 million and &#8364;183 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%">The heading &#8220;Liabilities under insurance and reinsurance contracts&#8221; in the consolidated balance sheets includes the liabilities recorded under insurance contracts of the consolidated insurance entities in accordance with IFRS 17 (see Note 2.2.8). The breakdown of the balance of this heading as of December 31, 2024, 2023 and 2022 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: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%">Liabilities under insurance and reinsurance contracts (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="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%">2024</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%">2023</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%">2022 &#8317;&#185;&#8318;</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%">Insurances</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%">10,981</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%">12,110</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%">10,131</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:700;line-height:120%">Liabilities for remaining coverage</span></td><td colspan="3" style="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%">9,835</span></td><td colspan="3" style="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%">10,900</span></td><td colspan="3" style="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%">9,157</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-weight:400;line-height:120%">Estimates of the present value of cash flows</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%">8,462</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-weight:400;line-height:120%">9,516</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%">7,905</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-weight:400;line-height:120%">Risk adjustment</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%">150</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%">171</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%">155</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-weight:400;line-height:120%">Cost service margin</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-weight:400;line-height:120%">1,224</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-weight:400;line-height:120%">1,213</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-weight:400;line-height:120%">1,097</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:700;line-height:120%">Liabilities for incurred claims</span></td><td colspan="3" style="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%">1,146</span></td><td colspan="3" style="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%">1,210</span></td><td colspan="3" style="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%">974</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Estimates of the present value of cash flows</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-weight:400;line-height:120%">1,129</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-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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">959</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Risk adjustment</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-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:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Reinsurances</span></td><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%">&#8212;</span></td><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%">&#8212;</span></td><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%">&#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="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%">10,981</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%">12,110</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%">10,131</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">In addition, the breakdown of &#8220;Liabilities under insurance and reinsurance contracts&#8221; in the consolidated balance sheets by type of product as of December 31, 2024, 2023 and 2022, excluding insurance contracts valued following the Simplified Model, is shown in the table below:</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;text-align:left;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities under insurance and reinsurance contracts by type of product (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="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%">2024</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%">2023</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%">2022 &#8317;&#179;&#8318;</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%">Liabilities for remaining coverage</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%">9,835</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%">10,900</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%">9,157</span></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:700;line-height:120%">Life insurance</span></div></td><td colspan="3" style="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%">9,555</span></td><td colspan="3" style="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%">10,657</span></td><td colspan="3" style="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%">8,962</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%">Individuals life insurance &#8317;&#185;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,643</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,900</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,592</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 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%">Group insurance &#8317;&#178;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,912</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,370</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:700;line-height:120%">Non-life insurance</span></td><td colspan="3" 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%">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:700;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:8pt;font-weight:700;line-height:120%">195</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities for incurred claims</span></td><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%">1,146</span></td><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%">1,210</span></td><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%">974</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #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 #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,981</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,110</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,131</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><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Provides coverage in the event of death, disability and serious illness.</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%">(2) The insurance policies purchased by employers (other than BBVA Group) on behalf of their employees.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">The variation in liabilities under insurance and reinsurance contracts analyzed by liability for the remaining coverage and liability for incurred claims for the years 2024, 2023 and 2022 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:52.212%"></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: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;text-align:justify;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2024 (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" rowspan="2" 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%">Liability for remaining coverage</span></td><td colspan="3" rowspan="2" 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%">Liability for incurred claims </span></td><td colspan="3" rowspan="2" 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 style="height:18pt"><td colspan="3" style="padding:0 1pt"></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%">Initial balance</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,900</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,210</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,110</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%">Result from insurance service</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">(3,371)</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%">1,862</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,509)</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-weight:400;line-height:120%">Insurance revenue</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,494)</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%">&#8212;</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%">(3,494)</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="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></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="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></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="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%">Insurance expense</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:middle"><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:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,862</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-weight:400;line-height:120%">1,985</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="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></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="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:120%">Financial income/ expenses from insurance contracts</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">(407)</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(395)</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="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:bottom"><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="display:none"></td><td colspan="3" style="display:none"></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%">(657)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(110)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(767)</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 flows</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">3,370</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,828)</span></td><td colspan="3" style="padding:2px 1pt;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></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="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></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:#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%">Final balance</span></td><td colspan="3" style="display:none"></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%">9,835</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:8pt;font-weight:700;line-height:120%">1,146</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,981</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="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: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 colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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;text-align:left;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2023 (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" rowspan="2" 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%">Liability for remaining coverage</span></td><td colspan="3" 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%">Liability for incurred claims</span></td><td colspan="3" rowspan="2" 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 style="height:18pt"><td colspan="3" style="padding:0 1pt"></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%">Initial balance</span></td><td colspan="3" style="display:none"></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%">9,157</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">974</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,131</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%">Result from insurance service</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%">(2,822)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,532</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,289)</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-weight:400;line-height:120%">Insurance revenue</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,897)</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%">&#8212;</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%">(2,897)</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="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></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="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></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="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%">Insurance expense</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">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:8pt;font-weight:400;line-height:120%">1,532</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-weight:400;line-height:120%">1,607</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="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></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="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%">Financial income/ expenses from insurance contracts</span></div></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%">563</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">564</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="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></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</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%">1,008</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59</span></td><td colspan="3" style="padding:2px 1pt;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%">Cash flows</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%">2,994</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,357)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,637</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="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></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:#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%">Final balance</span></td><td colspan="3" style="display:none"></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%">10,900</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,210</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,110</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="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: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 colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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;text-align:left;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2022 (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" rowspan="2" 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%">Liability for remaining coverage</span></td><td colspan="3" 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%">Liability for incurred claims</span></td><td colspan="3" rowspan="2" 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 style="height:18pt"><td colspan="3" style="padding:0 1pt"></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%">Initial balance</span></td><td colspan="3" style="display:none"></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%">8,875</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%">1,097</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,972</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%">Result from insurance service</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%">(2,446)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,260</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,186)</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-weight:400;line-height:120%">Insurance revenue</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,575)</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%">&#8212;</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%">(2,575)</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="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></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="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></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="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%">Insurance expense</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:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,260</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-weight:400;line-height:120%">1,390</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="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></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="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%">Financial income/ expenses from insurance contracts</span></div></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%">(694)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(692)</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="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></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</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%">1,048</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,099</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 flows</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%">2,375</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,437)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">938</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="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></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:#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%">Final balance</span></td><td colspan="3" style="display:none"></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%">9,157</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">974</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,131</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 variation of liabilities under insurance and reinsurance contracts, distinguishing between their different valuation components, excluding contracts valued under the Simplified Model, for the years 2024, 2023 and 2022 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:49.747%"></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:11.075%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" 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%">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2024 (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%">Estimated present value of future cash flows</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%">Risk adjustment </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%">Contractual service margin &#8317;&#185;&#8318;</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="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%">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:8pt;font-weight:700;line-height:120%">9,738</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">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%">1,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,118</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:8pt;font-weight:400;line-height:120%">Insurance service result</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(345)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(318)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to current services</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-weight:400;line-height:120%">(969)</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-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:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,267)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to future services</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-weight:400;line-height:120%">(350)</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to past services</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-weight:400;line-height:120%">974</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">974</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:8pt;font-weight:400;line-height:120%">Financial income/ expenses from insurance contracts</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%">(457)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(406)</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"><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 rate differences</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%">(636)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(721)</span></td></tr><tr><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%">411</span></td><td colspan="3" style="padding:2px 1pt;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%">411</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="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%">Final 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:8pt;font-weight:700;line-height:120%">8,710</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,224</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,084</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></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</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: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;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%">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2023 (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%">Estimated present value of future cash flows</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%">Risk adjustment </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%">Contractual service margin &#8317;&#185;&#8318;</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="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%">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:8pt;font-weight:700;line-height:120%">8,056</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,097</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,303</span></td></tr><tr><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 service result</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(384)</span></td><td colspan="3" style="padding:2px 1pt;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%">(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:8pt;font-weight:400;line-height:120%">(406)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to current services</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-weight:400;line-height:120%">(749)</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-weight:400;line-height:120%">(26)</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-weight:400;line-height:120%">(185)</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-weight:400;line-height:120%">(960)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to future services</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-weight:400;line-height:120%">(189)</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-weight:400;line-height:120%">26</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-weight:400;line-height:120%">163</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-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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to past services</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-weight:400;line-height:120%">554</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">554</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:8pt;font-weight:400;line-height:120%">Financial income/ expenses from insurance contracts</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%">508</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">564</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:8pt;font-weight:400;line-height:120%">Exchange rate differences</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,035</span></td></tr><tr><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%">623</span></td><td colspan="3" style="padding:2px 1pt;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%">623</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="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%">Final 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:8pt;font-weight:700;line-height:120%">9,738</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">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%">1,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,118</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></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</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:49.593%"></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:11.229%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" 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%">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2022 (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%">Estimated present value of future cash flows</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%">Risk adjustment </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%">Contractual service margin &#8317;&#185;&#8318;</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="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%">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:8pt;font-weight:700;line-height:120%">7,945</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">112</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">948</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,006</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 service result</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(606)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(511)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to current services</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-weight:400;line-height:120%">(750)</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-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:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(908)</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to future services</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-weight:400;line-height:120%">(270)</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-weight:400;line-height:120%">60</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-weight:400;line-height:120%">193</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-weight:400;line-height:120%">(17)</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="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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to past services</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-weight:400;line-height:120%">413</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">413</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: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%">Financial income/ expenses from insurance contracts</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(704)</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(694)</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange rate differences</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,009</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,093</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 flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">412</span></td><td colspan="3" style="padding:2px 1pt;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%">412</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="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%">Final 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:8pt;font-weight:700;line-height:120%">8,056</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,097</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,303</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term 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%">The maturity of &#8220;Liabilities under insurance and reinsurance contracts&#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:99.893%"><tr><td style="width:1.0%"></td><td style="width:31.103%"></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:12.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.461%"></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 of the liabilities under 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%">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%">2024</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%">1,556</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%">319</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%">720</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%">8,387</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%">10,981</span></td></tr><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%">2023</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,356</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">962</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,425</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,367</span></td><td colspan="3" style="border-left:1pt 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%">12,110</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%">2022</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%">1,754</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%">663</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%">1,664</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%">6,050</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%">10,131</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></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 classification and valuation models used to calculate the liabilities under insurance and reinsurance contracts are detailed in Note 2.2.8 of these 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%">In general, in estimating compliance flows valued under the General Model, the Group has used tables based on the companies' own experience to estimate discounted future cash flows for all units of account, except for those cases in which the entity has not had sufficient historical data for the construction of the assumptions, so in such cases, regulatory tables have been used.</span></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 24<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_DisclosureOfProvisionsExplanatory', window );">Disclosure of provisions [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Provisions</span><div style="margin-bottom:10pt;margin-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></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: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%">2024</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%">2023</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%">2022</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%">Provisions for pensions and similar obligations</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;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%">2,348</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%">2,571</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%">2,632</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"><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 &#8317;&#185;&#8318;</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%">384</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">435</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">466</span></td></tr><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%">791</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">685</span></td></tr><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:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.6</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%">667</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">770</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">770</span></td></tr><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 &#8317;&#178;&#8318;</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%">429</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">380</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-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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 #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,619</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,924</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,933</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) It included commitments undertaken under the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A. in 2021.</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%">(2) Individually non-significant provisions, for various concepts and corresponding to 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%">The change in provisions for pensions and similar obligations for the years ended December 31, 2024, 2023 and 2022 is as follows:</span></div><div><span><br/></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;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 for pensions and 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%">2024</span></td><td colspan="3" 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%">2023</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; </span></div></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,006</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,098</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,208</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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">197</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">25</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%">Interest expense and similar charges</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%">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">138</span></td><td colspan="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%">133</span></td><td colspan="3" style="border-left:1pt 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%">75</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%">Personnel expense</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">57</span></td><td colspan="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%">49</span></td><td colspan="3" style="border-left:1pt 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%">42</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%">Provision expense</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">29</span></td><td colspan="3" style="border-left:1pt 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%">(92)</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%">Charges (credits) to equity &#8317;&#178;&#8318;</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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(433)</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%">Transfers and other changes</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%">(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: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 #FFFFFF;padding:2px 1pt;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</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: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%">(410)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(474)</span></td><td colspan="3" style="border-left:1pt 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%">(616)</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: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%">(143)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(120)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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 #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,732</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,006</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,098</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Correspond to actuarial losses (gains) arising from certain post-employment defined-benefit commitments for pensions recognized in &#8220;Equity&#8221; (see Note 2.2.13).</span></div><div style="margin-bottom:2pt;margin-top:2pt"><span><br/></span></div><div style="text-indent:3.82pt"><span><br/></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:55.756%"></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%">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%">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%">2022</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%">1,148</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%">1,065</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%">990</span></td></tr><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></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%">370</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">651</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">417</span></td></tr><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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">(92)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(385)</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%">(130)</span></td></tr><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></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%">(206)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(183)</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%">(211)</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%">1,220</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%">1,148</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%">1,065</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%">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, 2024, 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 the resolution of such proceedings will not have, individually, a significant adverse effect on the Group's business, financial situation or results of operations.</span></div><span></span>
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<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 2024-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 25<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock', window );">Disclosure of Post Employment And Other Employee Benefit Commitments [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Post-employment and other employee benefit commitments</span><div style="margin-bottom:10pt;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 2.2.13, 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 in active service and retirement.</span></div><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 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: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%">2024</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%">2023</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%">2022</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%">3,759</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%">3,849</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%">3,661</span></td></tr><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%">271</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">412</span></td><td colspan="3" style="border-left:1pt 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%">606</span></td></tr><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%">1,269</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,728</span></td><td colspan="3" style="border-left:1pt 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%">1,448</span></td></tr><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%">384</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">435</span></td><td colspan="3" style="border-left:1pt 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%">466</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%">5,683</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,424</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,181</span></td></tr><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%">1,584</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,675</span></td><td colspan="3" style="border-left:1pt 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%">1,608</span></td></tr><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%">1,367</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,744</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,476</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%">2,951</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,419</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%">3,084</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%">2,732</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,006</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,097</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:6pt"><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%">&#8212;</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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">(1)</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:6pt"><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-style:italic;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%">2,348</span></td><td colspan="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%">2,571</span></td><td colspan="3" style="border-left:1pt 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%">2,632</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:#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></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-style:italic;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%">384</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%">435</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%">466</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In Turkey, the foundation responsible for managing the benefit commitments holds an additional asset of &#8364;123 million as of December 31, 2024 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. As of December 31, 2023 and 2022, this amount amounted to &#8364;153 and &#8364;188 million respectively.</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%">(2) Recorded under the heading &#8220;Other Assets - Other&#8221; of the consolidated balance sheet (see Note 20).</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%">(3) Recorded under the heading &#8220;Provisions - Provisions for pensions and similar obligations&#8221; 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 impact relating to benefit commitments on the consolidated income statement for the years 2024, 2023 and 2022 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 1.18pt 2px 1pt;text-align:right;text-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 1.18pt 2px 1pt;text-align:right;text-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="border-right:1pt solid #FFFFFF;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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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 #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%">138</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%">133</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%">75</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%">494</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%">444</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%">342</span></td></tr><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%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(311)</span></td><td colspan="3" style="border-left:1pt 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%">(267)</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%">215</span></td><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%">188</span></td><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%">130</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%">158</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%">139</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%">87</span></td></tr><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%">51</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">42</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 expense</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%">6</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">Provisions or (reversal) of provisions</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%">46</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%">3</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%">31</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%">(89)</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%">&#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: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-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%">&#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: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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="border-left:1pt 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%">34</span></td></tr><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 &#8317;&#178;&#8318;</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%">(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:#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-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%">(126)</span></td></tr><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%">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%">2</span></td><td colspan="3" style="border-left:1pt 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%">3</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%">355</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%">352</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%">116</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) 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 2.2.13).</span></div><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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;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%">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%">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%">2022</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%">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%">218</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%">302</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%">(363)</span></td></tr><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%">(86)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(71)</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 impact on equity: debit (credit)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">132</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">314</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(433)</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%">In 2024, the aggregate impact of this heading amounted to a debit of &#8364;132 million driven by the variation in the main long-term remuneration commitments in Mexico (debit of &#8364;55 million, mainly due to the variation of financial assumptions and expected profitability of plan assets), Turkey (debit of &#8364;32 million euros due to the variation of financial assumptions, expected profitability of plan assets and experience), Spain (debit of &#8364;28 million, essentially due to the variation in financial assumptions) and Portugal (debit of &#8364;16 million due to the expected profitability of the plan assets and experience).</span></div><div style="margin-bottom:10pt;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 2023, the aggregate impact of this heading amounted to a debit of &#8364;314 million driven by the variation in financial assumptions, losses of &#8364;71 million from commitments in Spain, and losses of &#8364;170 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><div style="margin-bottom:10pt;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;433 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Defined benefit plans</span><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 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%">2024</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%">2023</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%">2022</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%">5,989</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%">3,419</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%">2,571</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%">5,715</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%">3,084</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%">2,632</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%">6,547</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%">2,988</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%">3,560</span></td></tr><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%">51</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">51</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;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-top:1pt solid #FFFFFF;padding:2px 1pt;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%">45</span></td></tr><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%">472</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">115</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">425</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">311</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">333</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65</span></td></tr><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%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">&#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:7pt;font-weight:400;line-height:120%">143</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td></tr><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%">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%">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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">34</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">34</span></td></tr><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%">(202)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(330)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">128</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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:7pt;font-weight:400;line-height:120%">(741)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(501)</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"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(330)</span></td><td colspan="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%">330</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">68</span></td><td colspan="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%">(68)</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%">&#8212;</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%">(240)</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%">240</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%">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:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(86)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(29)</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%">&#8212;</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%">(29)</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%">(362)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(362)</span></td><td colspan="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%">248</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(812)</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%">&#8212;</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%">(812)</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 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%">158</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">158</span></td><td colspan="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%">212</span></td><td colspan="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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">100</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%">&#8212;</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%">100</span></td></tr><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%">(564)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(230)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(655)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(232)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">(676)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(492)</span></td></tr><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%">(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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(4)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">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:7pt;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:7pt;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:7pt;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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">(467)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(416)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">124</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">161</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180</span></td><td colspan="3" style="padding:2px 1pt;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></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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: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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">(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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">7</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">7</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%">5,299</span></td><td colspan="3" 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%">2,951</span></td><td colspan="3" 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%">2,348</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:7pt;font-weight:700;line-height:120%">5,989</span></td><td colspan="3" 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%">3,419</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:7pt;font-weight:700;line-height:120%">2,571</span></td><td colspan="3" 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%">5,715</span></td><td colspan="3" 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%">3,084</span></td><td colspan="3" 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%">2,632</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%">2,078</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">1,964</span></td><td colspan="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%">2,310</span></td><td colspan="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%">129</span></td><td colspan="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%">2,181</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%">2,546</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%">147</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%">2,399</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%">2,385</span></td><td colspan="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%">2,114</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">271</span></td><td colspan="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%">2,988</span></td><td colspan="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%">2,702</span></td><td colspan="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%">286</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%">2,426</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%">2,329</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%">97</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:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: Turkey</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:7pt;font-style:italic;font-weight:400;line-height:120%">567</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:7pt;font-style:italic;font-weight:400;line-height:120%">488</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:7pt;font-style:italic;font-weight:400;line-height:120%">80</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:7pt;font-style:italic;font-weight:400;line-height:120%">435</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:7pt;font-style:italic;font-weight:400;line-height:120%">363</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:7pt;font-style:italic;font-weight:400;line-height:120%">72</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%">418</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:7pt;font-style:italic;font-weight:400;line-height:120%">315</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%">103</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Including gains and losses arising from settlements.</span></div><div style="margin-bottom:10pt;margin-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 &#8220;Provisions - Pensions and other post-employment defined benefit obligations&#8221; of the consolidated balance sheet as of December 31, 2024 includes &#8364;200 million relating to post-employment benefit commitments to former members of the Board of Directors and the Bank&#8217;s Management (see 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%">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 achieve 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 to ensure that all decisions are made taking into consideration all of the associated impacts.</span></div><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 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:99.585%"><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 style="width:1.0%"></td><td style="width:6.937%"></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 style="width:1.0%"></td><td style="width:6.937%"></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 style="width:1.0%"></td><td style="width:6.937%"></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 style="width:1.0%"></td><td style="width:6.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.938%"></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%">Actuarial assumptions (%)</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%">2024</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%">2023</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%">2022</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%">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: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%">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: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%">Turkey</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:7pt;font-weight:400;line-height:120%">Discount rate</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%">3.25&#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%">12.11&#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%">31.02&#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%">3.43&#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%">10.44&#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%">25.60&#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%">3.91&#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%">10.68&#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%">17.79&#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 2px 1pt;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="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%">4.50&#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%">27.80&#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%">&#8212;&#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%">4.50&#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%">23.44&#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%">&#8212;&#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%">4.50&#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%">15.86&#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%">Rate of pension increase</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%">&#8212;&#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%">3.92&#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%">26.30&#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%">&#8212;&#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%">4.14&#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%">21.94&#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%">&#8212;&#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%">4.41&#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%">14.36&#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 1pt;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="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%">8.00&#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%">30.50&#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%">&#8212;&#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%">8.04&#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%">26.14&#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%">&#8212;&#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%">8.04&#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%">18.56&#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-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:7pt;font-weight:400;line-height:120%">Mortality tables</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PER 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EMSSA09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TUIK 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:7pt;font-weight:400;line-height:120%">PER 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EMSSA09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TUIK 2019</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PER 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EMSSA09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TUIK 2019</span></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:115%">In Spain, the discount rate shown as of December 31, 2024, corresponds to the discount rate for long-term commitments, with the discount rate used for short-term commitments being 2.75%.</span></div><div style="margin-bottom:10pt;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 (see Note 2.2.13) 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><div style="margin-bottom:10pt;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%">2024</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%">2023</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></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 #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%">50</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%">(213)</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%">232</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%">(265)</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%">291</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%">(321)</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%">350</span></td></tr><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:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(1)</span></td></tr><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:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(39)</span></td></tr><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:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">141</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(126)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">119</span></td><td colspan="3" style="border-left:1pt 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%">(106)</span></td></tr><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-bottom:1pt solid #FFFFFF;border-left: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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">120</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:7pt;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:7pt;font-weight:400;line-height:120%">134</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">&#8212;</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 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:10pt;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 commitments to employees shown above, the Group has other less material long-term employee benefits. These include leaves and 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, a fund related to the collective layoff procedure that was carried out in Banco Bilbao Vizcaya Argentaria, S.A. was created in 2021. As of December 31, 2024, 2023 and 2022, the actuarial liabilities for the outstanding awards amounted to &#8364;384 million, &#8364;435 million and &#8364;466 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Post-employment commitments and similar obligations</span><div style="margin-bottom:10pt;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%">Additionally, there are commitments with early retired personnel from Spanish companies of the Group. 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, 2024, 2023 and 2022, the value of these commitments amounted to &#8364;271 million, &#8364;412 million and &#8364;606 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%">The change in the benefit plan obligations and plan assets during the year ended December 31, 2024 was 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:46.430%"></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:12.017%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.019%"></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 2024 (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%">2,310</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%">1,269</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%">435</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%">247</span></td></tr><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%">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%">10</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">73</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">105</span></td><td colspan="3" style="border-left:1pt 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%">9</span></td></tr><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%">&#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%">&#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%">14</span></td><td colspan="3" style="border-left:1pt 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%">2</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-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%">&#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%">&#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%">3</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">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:#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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83</span></td><td colspan="3" style="border-left:1pt 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%">9</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%">&#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:#6d6d6d;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:#6d6d6d;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-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%">&#8212;</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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(15)</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(10)</span></td><td colspan="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%">(97)</span></td><td colspan="3" style="border-left:1pt 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%">3</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%">(10)</span></td><td colspan="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%">22</span></td><td colspan="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%">195</span></td><td colspan="3" style="border-left:1pt 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%">6</span></td></tr><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%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(109)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(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: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%">&#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%">(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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">(177)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(2)</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" 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%">&#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: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%">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: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%">(11)</span></td><td colspan="3" style="border-left:1pt 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="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%">2,078</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,124</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">567</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">260</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%">72</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%">2,006</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%">129</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%">958</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%">363</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%">224</span></td></tr><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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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-left:1pt solid #FFFFFF;border-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%">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%">87</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">7</span></td></tr><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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-left:1pt 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%">2</span></td></tr><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%">&#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%">68</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">22</span></td></tr><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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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-left:1pt solid #FFFFFF;border-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%">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%">(125)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-left:1pt 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%">(10)</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%">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(125)</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%">50</span></td><td colspan="3" style="border-left:1pt 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%">(10)</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%">&#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:#6d6d6d;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-top:1pt 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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">&#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:#6d6d6d;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-top:1pt 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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">&#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:#6d6d6d;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-top:1pt 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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(20)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(108)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(11)</span></td></tr><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%">&#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%">(1)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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-left:1pt solid #FFFFFF;border-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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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-left:1pt solid #FFFFFF;border-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%">&#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%">(132)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">&#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:8pt;font-weight:400;line-height:120%">Other effects</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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="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%">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%">748</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">488</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">234</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%">2,181</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%">311</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%">72</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%">23</span></td></tr><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%">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%">10</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">69</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">2</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">(68)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(22)</span></td></tr><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%">&#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%">&#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%">3</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">23</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%">139</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%">32</span></td><td colspan="3" style="border-left:1pt 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%">19</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%">(1)</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%">125</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%">(50)</span></td><td colspan="3" style="border-left:1pt 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%">10</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%">&#8212;</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%">2</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%">(15)</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">34</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%">(10)</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%">(97)</span></td><td colspan="3" style="border-left:1pt 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%">3</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%">(10)</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%">22</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%">195</span></td><td colspan="3" style="border-left:1pt 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%">6</span></td></tr><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%">(321)</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%">&#8212;</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%">(11)</span></td><td colspan="3" style="border-left:1pt 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)</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">(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:8pt;font-weight:400;line-height:120%">(8)</span></td><td colspan="3" style="border-left:1pt 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%">(2)</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">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: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%">(4)</span></td><td colspan="3" style="border-left:1pt 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="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%">1,964</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%">377</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%">80</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%">26</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Including gains and losses arising from settlements.</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%">(2) Excluding interest, which is recorded under "Interest income or 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:120%">The change in net liabilities (assets) during the years ended December 31, 2023 and 2022 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:39.732%"></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:6.303%"></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%">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%">2023: Net liability (assets)</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:7pt;font-weight:700;line-height:120%">2022: 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%">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%">2,399</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%">132</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%">103</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%">25</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%">3,464</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%">124</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%">63</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%">24</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">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: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%">85</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;font-weight:400;line-height:120%">(37)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(41)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(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"><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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">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: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%">67</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">175</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62</span></td><td colspan="3" style="border-left:1pt 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%">(1)</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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">19</span></td><td colspan="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%">(129)</span></td><td colspan="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%">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">121</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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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 #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%">8</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%">78</span></td><td colspan="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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">10</span></td><td colspan="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%">(10)</span></td><td colspan="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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">73</span></td><td colspan="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%">82</span></td><td colspan="3" style="border-left:1pt 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%">(132)</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%">(11)</span></td><td colspan="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%">42</span></td><td colspan="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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">2</span></td></tr><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%">(379)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(484)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(1)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">6</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#8212;</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%">2,181</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%">311</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%">72</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%">23</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%">2,399</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%">132</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%">103</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%">25</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes gains and losses from settlements.</span></div><div style="margin-bottom:10pt;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. (a consolidated subsidiary and related party) 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, 2024 the value of these separate assets was &#8364;1,553 million, (&#8364;1,631 million and &#8364;1,656 million as of December 31, 2023 and 2022, 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, 2024, 2023 and 2022, the value of the aforementioned insurance policies (&#8364;114, &#8364;130 and &#8364;147 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 to ensure 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 recognized an obligation amounting to &#8364;382 million as of December 31, 2024 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Medical benefit commitments</span><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 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:25.402%"></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:7.066%"></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="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%">2024</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%">2023</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%">2022</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%">1,728</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%">1,744</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%">(16)</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%">1,448</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%">1,476</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%">(28)</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%">1,377</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%">1,494</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%">(116)</span></td></tr><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%">18</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">19</span></td></tr><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%">167</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">(14)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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"><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">28</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">28</span></td></tr><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%">(333)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(247)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(86)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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: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-left:1pt 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%">(71)</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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(247)</span></td><td colspan="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%">247</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(17)</span></td><td colspan="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%">17</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(144)</span></td><td colspan="3" style="border-left:1pt 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%">144</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%">15</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">15</span></td><td colspan="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%">(70)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(70)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">(293)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(293)</span></td><td colspan="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%">56</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">56</span></td><td colspan="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%">(191)</span></td><td colspan="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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">(191)</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%">(55)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(55)</span></td><td colspan="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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(23)</span></td><td colspan="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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">(23)</span></td></tr><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%">(71)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">(139)</span></td><td colspan="3" style="border-left:1pt 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%">139</span></td></tr><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%">(240)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">173</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">155</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="border-left:1pt 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%">(11)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">1,269</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%">1,367</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%">(98)</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%">1,728</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%">1,744</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%">(16)</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%">1,448</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%">1,476</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%">(28)</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Including gains and losses arising from settlements.</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%">(2) Excluding interest, which is recorded under "Interest income or 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%">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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Estimated benefit payments</span><div style="margin-bottom:10pt;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, 2024, 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%">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</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%">2029</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%">2030 - 2034</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%">422</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%">278</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%">242</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%">210</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%">181</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%">618</span></td></tr><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%">196</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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: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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,331</span></td></tr><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%">28</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">696</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%">645</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%">514</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%">495</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%">482</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%">477</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%">2,645</span></td></tr></table></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt">Plan assets </span><div style="margin-bottom:10pt;margin-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><div style="margin-bottom:10pt;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><div style="margin-bottom:4pt;margin-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, 2024, 2023 and 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: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%">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%">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%">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%">2022</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 and 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%">60</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%">86</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%">169</span></td></tr><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%">2,267</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,818</span></td><td colspan="3" style="border-left:1pt 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%">2,270</span></td></tr><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%">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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="border-left:1pt 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%">183</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%">2,349</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:8pt;font-weight:700;line-height:120%">2,924</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,622</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%">25</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%">23</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%">7</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%">&#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:#6d6d6d;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-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%">&#8212;</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%">&#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:#6d6d6d;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-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%">&#8212;</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:7pt;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><div style="margin-bottom:7pt;margin-top:7pt;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, 2024, 2023 and 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: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%">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%">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%">2022</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 and 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%">60</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%">86</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%">169</span></td></tr><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%">2,267</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,818</span></td><td colspan="3" style="border-left:1pt 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%">2,270</span></td></tr><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%">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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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="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%">2,328</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,904</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,439</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%">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="border-left:1pt 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%">7</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%">&#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:#6d6d6d;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-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%">&#8212;</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%">&#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:#6d6d6d;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-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%">&#8212;</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 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, 2024, almost all of the assets related to employee commitments corresponded to fixed income securities.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Defined contribution plans</span><div style="margin-bottom:10pt;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><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360522301472">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 26<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_IssuedCapitalAbstract', window );"><strong>Issued capital [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfCapitalTextBlock', window );">Disclosure of Common Stock [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Capital</span><div style="margin-bottom:10pt;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, 2024 and 2023 BBVA&#8217;s share capital amounted to &#8364;2,824,009,877.85 and &#8364;2,860,590,786.20 divided into 5,763,285,465 and 5,837,940,380 shares, respectively; while 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. These decreases have been the result of the partial execution of the share capital reduction resolution adopted by the Ordinary Annual General Shareholders' Meeting of BBVA held on March 15, 2024, under item 3 of the agenda notified on May 24, 2024; of the partial executions of the share capital reduction resolution adopted by the Ordinary Annual General Shareholders' Meeting of BBVA held on March 17, 2023, under item 3 of the agenda notified on June 2, 2023 and on December 19, 2023; and of the partial executions of the share capital reduction resolution adopted by the Annual 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, 2024, 2023 and 2022, the shares were fully subscribed and paid-up, of the same class and series, of &#8364;0.49 par value each, and 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><div style="margin-bottom:10pt;margin-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 Sistema de Interconexi&#243;n Burs&#225;til Espa&#241;ol (Mercado Continuo), 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, 2024, 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, 2024, State Street Bank and Trust Company, JPMorgan Chase, The Bank of New York Mellon and Northern Trust Company, in their capacity as international custodian/depositary banks, held 13.82%, 12.57%, 10.76%, and 3.25% 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:130%">On February 5, 2024, BlackRock, Inc. reported to the SEC that it beneficially owned 7.2% of BBVA&#8217;s common stock. On November 25, 2024, Europacific Growth Fund reported to the CNMV that it had a direct holding of 3.010% of BBVA&#8217;s common stock. On March 26, 2024, Capital Research and Management Company reported to the CNMV that it indirectly had voting power over 5.027% of BBVA&#8217;s 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%">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 Shareholders' 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.</span></div><div style="margin-bottom:10pt;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 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.</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%">Resolutions adopted by the Annual 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 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 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 convertible securities (other than contingently convertible securities, envisaged to meet regulatory requirements for their eligibility as capital instruments (CoCo)) as resolved by BBVA's Annual General Shareholders' Meeting held on March 18, 2022 under agenda item five and which is described in Note 22.4.1 (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 Shareholders' Meeting 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 preparation of these Consolidated Financial Statements, the Bank has not made use of the delegation granted by the General Shareholders' Meeting.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Extraordinary General Shareholders' Meeting of BBVA held on July 5, 2024 resolved, under item one of the agenda, to authorize an increase in BBVA&#8217;s share capital for up to a maximum nominal amount of &#8364;551,906,524.05 by issuing and putting into circulation up to 1,126,339,845 ordinary shares with a par value of &#8364;0.49 each, of the same class and series, and with the same rights as the outstanding shares at such date, represented in book-entry form, with non-cash contributions for the purposes of covering the consideration of the voluntary tender offer for the acquisition of up to 100% of the shares of Banco de Sabadell, S.A. announced by BBVA (see Note 3). This capital increase has not been executed as of the date of preparation of 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:9pt;font-weight:700;line-height:133%">Capital Decrease</span></div><div style="margin-bottom:10pt;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 Annual General Shareholders' Meeting held on March 16, 2018 under item three of the agenda, and those that were acquired by virtue of the authorization granted by the General Shareholders' Meeting held on March 18, 2022 under item six of the agenda, from that date, through any mechanism whose objective or purpose is redemption. Pursuant to the resolution, its implementation period ended on the date of the following 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%">In the execution of said resolution (see Note 4), BBVA has executed the following share capital reductions: </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 resolution 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 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 September 30, 2022, BBVA notified the second partial execution of the resolution 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 Second Tranche of the 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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">BBVA's Annual General Shareholders' Meeting held on March 17, 2023 resolved, under agenda item three, 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 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. Pursuant to the resolution, its implementation period ended on the date of the following 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 March 18, 2022, under agenda item seven, whose executions are 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 the execution of said resolution, (see Note 4), BBVA has executed the following share capital reductions: </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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 2, 2023, BBVA notified the partial execution of the resolution through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;31,675,343.91 and the consequent redemption, charged to unrestricted reserves, of 64,643,559 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of a share buyback program and which were held as treasury shares.</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 December 19, 2023, BBVA notified the second partial execution of the resolution through the reduction of BBVA&#8217;s share capital in a nominal amount of &#8364;62,490,986.25 and the consequent redemption, charged to unrestricted reserves, of 127,532,625 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of a share buyback program and which were held as treasury share.</span></div><div style="margin-bottom:10pt;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 Annual General Shareholders' Meeting held on March 15, 2024 resolved, under agenda item three, 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 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. Pursuant to the resolution, its implementation period will end on the date of the following 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 March 17, 2023, under agenda item three, whose executions are 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 the execution of the Annual General Shareholders' Meeting held on March 15, 2024, BBVA has executed the following share capital reduction (see Note 4):</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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, 2024 BBVA notified the partial execution of the resolution through the reduction of BBVA's share capital in a nominal amount of &#8364;36,580,908.35 and the consequent redemption, charged to unrestricted reserves, of 74,654,915 own shares of &#8364;0.49 par value each acquired derivatively by the Bank in execution of a share buyback program 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><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537626160">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 27<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_SharePremiumAbstract', window );"><strong>Share premium [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfSharePremiumTextBlock', window );">Disclosure of Share Premium [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Share premium</span><div style="margin-bottom: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%">As of December 31, 2024, the balance under this heading in the consolidated balance sheets was &#8364;19,184 million. As of December 31, 2023 and 2022, the balance under this heading was &#8364;19,769 million and &#8364;20,856 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><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572755040">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 28<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Retained earnings and other reserves </span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Breakdown of the balance </span><div style="margin-bottom:10pt;margin-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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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%">565</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%">572</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%">591</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%">582</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">482</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></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%">6,470</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,478</span></td><td colspan="3" 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%">3,906</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%">7,616</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,612</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,979</span></td></tr><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%">34,891</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,639</span></td><td colspan="3" style="border-left:1pt 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%">30,077</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%">42,507</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%">38,251</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%">35,056</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Legal reserve </span><div style="margin-bottom:10pt;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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:16.55pt">Restricted reserves </span><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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;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;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"></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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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%">2022</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></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%">531</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%">495</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%">400</span></td></tr><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></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%">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65</span></td><td colspan="3" style="border-left:1pt 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%">80</span></td></tr><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%">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%">2</span></td><td colspan="3" 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</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%">582</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%">561</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%">482</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">The restricted reserve for retired capital includes the partial executions of the capital reduction resolutions adopted by BBVA's General Shareholders' Meeting held on March 15, 2024, March 17, 2023 and March 18, 2022, respectively (see Note 26). </span></div><div style="margin-bottom:10pt;margin-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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Retained earnings and other reserves by entity</span><div style="margin-bottom:10pt;margin-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; 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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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%">18,157</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%">15,672</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%">14,003</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%">17,209</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,705</span></td><td colspan="3" 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%">14,042</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%">6,065</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,857</span></td><td colspan="3" 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%">5,703</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%">1,774</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,758</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%">1,720</span></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%">BBVA Argentina Group</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%">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%">1,474</span></td><td colspan="3" 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%">1,456</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%">1,639</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,573</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%">1,489</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%">1,245</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,158</span></td><td colspan="3" 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%">1,065</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%">Forum Chile 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%">663</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">652</span></td><td colspan="3" 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%">632</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 Uruguay 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%">166</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="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;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BV America, 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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">469</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">374</span></td><td colspan="3" 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%">299</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%">410</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">368</span></td><td colspan="3" 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%">338</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 Seguros, 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%">(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%">306</span></td><td colspan="3" 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%">284</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%">Bilbao Vizcaya Holding, 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%">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%">198</span></td><td colspan="3" 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%">144</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 Tecnology Am&#233;rica 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%">92</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87</span></td><td colspan="3" 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%">85</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%">Pecri Inversi&#243;n, 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: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-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" 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</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%">(5,524)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,497)</span></td><td colspan="3" 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%">(5,529)</span></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:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Real State Spanish Companies &#8317;&#178;&#8318; </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%">(1,152)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,164)</span></td><td colspan="3" 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%">(909)</span></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:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</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%">28</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(155)</span></td><td colspan="3" 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%">217</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></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%">42,734</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,488</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,277</span></td></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%">(169)</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%">(181)</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%">(169)</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%">(84)</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%">(84)</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%">(84)</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%">26</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%">28</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%">32</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%">(227)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(237)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(221)</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%">42,507</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%">38,251</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%">35,057</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Includes balances corresponding to Sociedades inmobiliarias CX, Anida Grupo Inmobiliario and Sociedades inmobiliarias Unnim.</span></div>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.<span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533760368">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 29<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_TreasurySharesAbstract', window );"><strong>Treasury shares [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfTreasurySharesTextBlock', window );">Disclosure of Treasury shares [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Treasury shares</span><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 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%">2024</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%">2023</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%">2022</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:right;text-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 #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:8pt;font-weight:700;line-height:120%">Millions of Euros</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:8pt;font-weight:700;line-height:120%">Number of Shares</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:8pt;font-weight:700;line-height:120%">Millions of Euros</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:8pt;font-weight:700;line-height:120%">Number of Shares</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: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%">4,386,625</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%">34</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%">5,485,414</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%">29</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%">127,633,399</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%">647</span></td></tr><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%">154,564,499</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,528</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">301,882,728</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,166</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">598,457,024</span></td><td colspan="3" style="border-left:1pt 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%">2,966</span></td></tr><tr><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%">(152,284,268)</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:8pt;font-weight:400;line-height:120%">(1,497)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(302,981,517)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,161)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(720,605,009)</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:8pt;font-weight:400;line-height:120%">(3,583)</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="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%">6,666,856</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:700;line-height:120%">4,386,625</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,485,414</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td></tr><tr><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%">410,370</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%">7</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%">&#8212;</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%">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%">&#8212;</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%">3</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%">6,256,486</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%">59</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%">4,354,004</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%">31</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%">5,454,516</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%">26</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%">&#8212;</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%">&#8212;</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%">32,621</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%">&#8212;</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%">30,898</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%">&#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: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%">9.89</span></td><td colspan="3" style="padding:2px 1pt;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%">7.18</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: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%">4.96</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:8pt;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:8pt;font-weight:400;line-height:120%">Average selling price in Euros (including 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%">9.89</span></td><td colspan="3" style="padding:2px 1pt;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%">7.14</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: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%">4.99</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:8pt;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: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%">10</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%">1</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%">9</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%"> In 2024, 2023 and 2022 there were transactions included in the share buyback program (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 percentages of treasury shares held by the Group in the years ended December 31, 2024, 2023 and 2022 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022</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:#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 #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%">Max</span></td><td colspan="3" style="border-top:1pt solid #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%">Closing</span></td><td colspan="3" style="border-top:1pt solid #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%">Min</span></td><td colspan="3" style="border-top:1pt solid #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%">Max</span></td><td colspan="3" style="border-top:1pt solid #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%">Closing</span></td><td colspan="3" style="border-top:1pt solid #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%">Min</span></td><td colspan="3" style="border-top:1pt solid #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%">Max</span></td><td colspan="3" style="border-top:1pt solid #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%">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%">0.076&#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%">1.513&#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%">0.116&#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%">0.038&#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%">2.214&#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%">0.075&#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%">0.078&#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%">7.492&#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%">0.094&#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><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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%">2024</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%">2023</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></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%">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%">13,308,677</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%">17,492,194</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%">23,437,363</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%">0.49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.49</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%">0.23&#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%">0.29&#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%">0.39&#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><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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%">2024</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%">2023</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></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%">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%">11,834,596</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%">13,258,994</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%">18,686,027</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%">0.49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.49</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%">0.21&#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%">0.23&#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%">0.31&#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><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533846416">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 30<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock', window );">Disclosure of Accumulated Other Comprehensive Income [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Accumulated other comprehensive income (loss)</span><div style="margin-bottom:10pt;margin-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: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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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%">(1,988)</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%">(2,105)</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%">(1,881)</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%">(1,067)</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%">(1,049)</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%">(760)</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%">(905)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,112)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,194)</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%">(17)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:#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%">(15,232)</span></td><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%">(14,148)</span></td><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%">(15,760)</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%">(2,329)</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%">(2,498)</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%">(1,408)</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%">(2,697)</span></td><td colspan="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%">(3,147)</span></td><td colspan="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%">(1,751)</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%">394</span></td><td colspan="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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">358</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%">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(15)</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%">(12,702)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11,419)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13,078)</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%">(3,644)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(640)</span></td><td colspan="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%">(2,791)</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%">(5,835)</span></td><td colspan="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%">(6,908)</span></td><td colspan="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%">(6,599)</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%">(555)</span></td><td colspan="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%">(1,296)</span></td><td colspan="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%">(868)</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%">(1,865)</span></td><td colspan="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%">(1,865)</span></td><td colspan="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%">(1,850)</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%">(803)</span></td><td colspan="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%">(711)</span></td><td colspan="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%">(969)</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%">370</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">133</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(447)</span></td></tr><tr><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%">(576)</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%">(357)</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%">(809)</span></td></tr><tr><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%">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:#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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</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%">(17,220)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(16,254)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(17,642)</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">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 2024 are explained by the depreciation against the euro of some of the currencies of the main geographical areas where the Group operates against the euro such as the Mexican peso (13.1%), Colombian peso (7.8%), the Argentine peso (16.8%) and the Turkish lira (11.1%) and the application of IAS 29 "Financial Reporting in Hyperinflationary Economies" in Turkey and Argentina (see Note 2.2.18).</span></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 31<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_MinorityInterestsNonControllingInterestsAbstract', window );"><strong>Minority interests (non-controlling interests) [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_DisclosureOfNoncontrollingInterestsExplanatory', window );">Disclosure of non-controlling interests [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Minority interests (non-controlling interests)</span><div style="margin-bottom:10pt;margin-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 of the balance under the heading &#8220;Minority interests (non-controlling interests)&#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%">Minority interests (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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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></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%">1,351</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%">1,129</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%">1,179</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%">1,779</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,586</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,469</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%">843</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">544</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">687</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%">60</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73</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%">134</span></td><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;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</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%">191</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">115</span></td><td colspan="3" style="padding:2px 1pt;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></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%">4,359</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,564</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,623</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">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-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 minority interests (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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; </span></div></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></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%">116</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%">95</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%">28</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%">260</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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></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%">105</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83</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%">(1)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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></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%">32</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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</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%">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%">(1)</span></td><td colspan="3" style="padding:2px 1pt;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</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%">521</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">397</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">405</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3 ).</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%">Dividends distributed to minority interests of the Group during the year 2024 related to: BBVA Peru Group &#8364;129 million, BBVA Argentina Group &#8364;142 million, Garanti BBVA Group &#8364;60 million and other Group entities &#8364;15 million.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non Controlling Interest [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of non-controlling interests. [Refer: 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/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 32<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_DisclosureOfCapitalBaseAndCapitalManagementTextBlock', window );">Disclosure of Capital Base And Capital Management [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Capital base and capital management </span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Capital base</span><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, own funds are calculated in accordance with 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 required internal capital adequacy assessment processes and the information required to be disclosed 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:130%">The CET1 fully loaded ratio of the BBVA Group stood at 12.88% at the end of December 2024, which allowed it to maintain a management buffer over the Group's CET 1 requirement (9.13%) and over the Group's target management range of between 11.5 - 12% of CET 1. The phased-in CET 1 ratio was also 12.88%.</span></div><div style="margin-bottom:10pt;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 minimum capital requirements applicable to the Group as of December 31, 2024, these amount to a minimum CET1 ratio of 9.13%, as well as a minimum total capital ratio of 13.29%. </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%">Following the latest decision of the SREP (Supervisory Review and Evaluation Process), which came into force on January 1, 2025, the ECB has notified the Group that the Pillar 2 requirement is maintained at 1.68% (of which 1.02% at least should be covered by CET1). In addition, the Bank of Spain has maintained the D-SIB (Domestic Systemically Important Banks) buffer requirement that the Group must maintain since January 1, 2025 at the same level as that in effect as of December 31, 2024. Therefore, BBVA must maintain a CET1 capital ratio of 9.13% and a total capital ratio of 13.29% at a consolidated level.</span></div><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 is shown below:</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: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 colspan="3" style="display:none"></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%">2024</span></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: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 1.18pt 2px 1pt;text-align:right;text-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 #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</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%">2,824</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,861</span></td><td colspan="3" style="border-top:1pt solid #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%">2,955</span></td></tr><tr><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%">19,184</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,769</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,856</span></td></tr><tr><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%">42,507</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,251</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,056</span></td></tr><tr><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%">40</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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%">(66)</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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)</span></td></tr><tr><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%">10,054</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,019</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,358</span></td></tr><tr><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%">(1,668)</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(951)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(722)</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 equity</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%">72,875</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67,955</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">64,535</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%">Accumulated other comprehensive income (loss)</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%">30</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,220)</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,642)</span></td></tr><tr><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: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%">4,359</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,564</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,623</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%">Shareholders' equity</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%">60,014</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55,265</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50,517</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%">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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,553)</span></td><td colspan="3" style="display:none"></td><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%">(1,421)</span></td><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%">(1,395)</span></td></tr><tr><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%">(185)</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:#004481;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="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%">(185)</span></td><td colspan="3" style="display:none"></td><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%">(137)</span></td><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%">(123)</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%">Other adjustments and deductions &#8317;&#185;&#8318;</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%">(7,476)</span></td><td colspan="3" style="display:none"></td><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%">(7,591)</span></td><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%">(6,262)</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%">50,799</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%">46,116</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,738</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 before Regulatory 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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,023</span></td><td colspan="3" style="display:none"></td><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%">6,033</span></td><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%">5,193</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: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%">&#8212;</span></td><td colspan="3" style="display:none"></td><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%">&#8212;</span></td><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%">&#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%">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%">56,822</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%">52,150</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,931</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%">Tier 2</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%">9,858</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,182</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,930</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="display:none"></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 #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 Capital (Total Capital = Tier 1 + Tier 2)</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%">66,680</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60,332</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">53,861</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 Minimum equity required &#8317;&#178;&#8318;</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%">52,427</span></td><td colspan="3" style="display:none"></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%">47,455</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%">43,111</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The caption &#8220;Other adjustments and deductions&#8221; include, among others, the adjustment for non-computable minority interests, the amount of repurchases of own shares up to the maximum limit authorized by the ECB to the BBVA Group and the amount of dividends pending distribution.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Calculated based on total minimum capital requirements applicable in each 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%">The Group&#8217;s eligible own funds and risk-weighted assets (RWAs) in accordance with the aforementioned applicable regulation as of December 31, 2024, 2023 and 2022 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%">2024</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%">2023</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 &#8317;&#185;&#8318;</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%">22,008</span></td><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%">22,629</span></td><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%">23,810</span></td></tr><tr><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%">39,652</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,889</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,436</span></td></tr><tr><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%">(14,334)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12,872)</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:8pt;font-weight:400;line-height:120%">(13,952)</span></td></tr><tr><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%">2,343</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,864</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,853</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%">Net attributable profit </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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,013</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,759</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,814</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%">54,681</span></td><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%">51,269</span></td><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%">46,962</span></td></tr><tr><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%">(1,553)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,421)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,395)</span></td></tr><tr><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%">Direct, indirect and synthetic holdings in own Common Equity Tier I 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%">(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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(356)</span></td></tr><tr><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%">(844)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(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:8pt;font-weight:400;line-height:120%">(1,057)</span></td></tr><tr><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 &#8317;&#179;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,242)</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:8pt;font-weight:400;line-height:120%">(2,412)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,416)</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%">(3,882)</span></td><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%">(5,153)</span></td><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%">(4,223)</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%">50,799</span></td><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%">46,116</span></td><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%">42,738</span></td></tr><tr><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%">5,638</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,715</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,875</span></td></tr><tr><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%">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:8pt;font-weight:400;line-height:120%">319</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">318</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%">6,023</span></td><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%">6,033</span></td><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%">5,193</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: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%">&#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></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%">&#8212;</span></td><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%">&#8212;</span></td><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%">&#8212;</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%">6,023</span></td><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%">6,033</span></td><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%">5,193</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%">Tier 1 (Common equity TIER 1 + additional TIER 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%">56,822</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,150</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,931</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%">Capital instruments and share premium accounted as Tier 2</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,629</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,214</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,510</span></td></tr><tr><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%">4,192</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:8pt;font-weight:400;line-height:120%">2,890</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%">2,310</span></td></tr><tr><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%">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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">213</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%">9,868</span></td><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%">8,192</span></td><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%">6,033</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%">(10)</span></td><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%">(10)</span></td><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%">(103)</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%">9,858</span></td><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%">8,182</span></td><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%">5,930</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 capital (Total capital = Tier 1 + Tier 2)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">66,680</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60,332</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">53,861</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 RWA</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">394,468</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">363,915</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">337,066</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%">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%">12.88&#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%">12.67&#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%">12.68&#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></tr><tr><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%">Tier 1 (phased-in)</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%">14.40&#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%">14.33&#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%">14.22&#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><tr><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 capital (phased-in)</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%">16.90&#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%">16.58&#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%">15.98&#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><div><span><br/></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%">(1) In 2022, the difference between the phased-in and fully-loaded ratios arises from the temporary treatment of certain capital items, mainly as a result of the impact of IFRS 9, to which the BBVA Group adhered voluntarily (in accordance with article 473bis of the CRR and the subsequent amendments introduced by the Regulation (EU) 2020/873). In 2024 and 2023, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment.</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%">(2) As of December 31, 2024, the total shareholder remuneration corresponding to the year 2024 (composed by a cash dividend, the share repurchase program and the proposed cash dividend subject to approval at the General Shareholders' Meeting), is deducted. As of December 31, 2023 and 2022 the cash dividends approved by the respective General Shareholders' Meetings are deducted.</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%">(3) As of December 31, 2023 and 2022, the amounts of the share repurchase programs were deducted.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The strength of the BBVA Group's earnings has contributed to achieving a consolidated fully loaded CET1 ratio of 12.88% as of December 31, 2024, which allows it to maintain a management buffer over the Group's CET1 requirement as of that date (9.13%), which is also above the Group's target management range of 11.5 - 12.0% CET1. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The fully loaded CET1 ratio increased by 21 basis points, mainly explained by the generation of earnings in the year (276 basis points) which, net of shareholder remuneration and payment of convertible contingent instrument coupons (CoCos), generated a positive contribution of 127 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%">Meanwhile, the growth in risk-weighted assets (RWA) derived from the organic growth of the business in constant terms, mainly as a result of the increase in the loan portfolio, and, to a lesser extent, debt securities, as well as risk transfers that drained the ratio by -155 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%">In addition, CET1 had a positive contribution of +49 basis points mainly due to minority interests and the positive impact in Other Comprehensive Income (OCI) equivalent to the net monetary position value loss in hyperinflationary economies recorded in results, as well as the valuation of the Held to Collect and Sale portfolio and the effect of changes in foreign exchange rates due to the depreciation of the Mexican peso and, to a lesser extent, the Turkish lira (which led to a decrease in RWA), and the appreciation of the U.S. dollar.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Consolidated fully loaded Additional Tier 1 (AT1) capital fully loaded stood at 1.53% as of December 31, 2024, -13 basis points compared to 2023. In June 2024, BBVA, S.A completed an issuance for an amount of &#8364;750 million Contingent Convertible instruments (CoCos) in June 2024. In addition, in March 2024, the call for redemption of another issuance of Contingent Convertible instruments for a total amount of &#8364;1.0 billion was made.</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 Tier 2 fully loaded ratio stood at 2.50% which represents an increase of 25 basis points compared to 2023, mainly due to the issuance of a subordinated bonds in Spain for &#8364;1.25 billion and &#8364;1.0 billion in February  and August 2024, respectively, and, to a lesser extent, the issuance in Mexico, Turkey and Peru of subordinated debt for amounts of USD 900 million, USD 500 million and USD 300 million, respectively in the first quarter, in addition to the issuance in December of USD 750 million of subordinated debt in Turkey. On the other hand, a subordinated debt issuance amounting to &#8364;750 million was redeemed in Spain. In addition, in December, the early redemption of another issuance of &#8364;1.0 billion was announced, which was completed in January 2025. In addition, in Turkey, one issuance was partially redeemed, amounting to USD 134 million, and the early redemption of another issuance of 750 million Turkish liras was announced and executed in February.</span></div><div style="margin-bottom:10pt;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, the total fully loaded capital ratio stood at 16.90% as of December 31, 2024. The total phased-in capital ratio was also 16.90% as of the same 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%">With regard to MREL (Minimum Requirement for own funds and Eligible Liabilities) BBVA, as an MPE</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">5</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">, has sub-consolidated requirements, based on its resolution group</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">6</span><span style="color:#000000;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%">On March 27, 2024 the Group made public that it had received a communication from the Bank of Spain regarding its MREL requirement, established by the Single Resolution Board (&#8220;SRB&#8221;). According to this communication, BBVA must maintain, as from March 27, 2024, a new MREL in RWA requirement of 22.79%</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">7</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">, not taking into account the current</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">8</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> combined buffer requirement (CBR) of 3.65%. In addition, BBVA must keep, also as from March 27, 2024, a volume of own funds and eligible liabilities in terms of total exposure considered for purposes of calculating the leverage ratio of 8.48% (the &#8220;MREL in LR&#8221;)</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">9</span><span style="color:#000000;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%">With respect to the MREL ratios achieved as of December 31, 2024, these were 27.92% and 12.10%, respectively for MREL in RWA and MREL in LR, reaching the subordinated ratios of both 23.13% and 10.03%, 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%">Given the structure of the resolution group's own funds and eligible liabilities, as of December 31, 2024, the Group meets the aforementioned 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%">Additionally, on January 1, 2025, the bulk of the articles of the new Capital Requirements Regulation (Regulation (EU) 2024/1623), more commonly known as "CRR III," came into force, aiming to implement the Basel III framework reform in Europe. At the date of preparation of the Consolidated Financial Statements, no significant impact is anticipated from its application.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Leverage ratio </span><div style="margin-bottom:10pt;margin-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><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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 colspan="3" style="display:none"></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%">Leverage ratio</span></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%">2024</span></td><td colspan="3" style="display:none"></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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 1 (millions of Euros) (a)</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%">56,822</span></td><td colspan="3" style="display:none"></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%">52,150</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%">47,931</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%">834,488</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%">797,888</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">737,990</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%">6.81&#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="3" style="display:none"></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%">6.54&#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%">6.49&#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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Capital management</span><div style="margin-bottom:10pt;margin-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 (RAF).</span></div><div style="margin-bottom:10pt;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 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 RAF, this optimal allocation serves as a guide for the Group's capital management and seeks a solid capital position that makes it possible to:</span></div><div style="margin-bottom:10pt;margin-top:10pt;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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:31.56pt">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, 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 view), when establishing a target capital level, all while adopting a forward-looking vision that takes adverse scenarios into 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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; 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">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 ensure adequate capital management.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Capital Base And Capital Management [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Capital Base And Capital Management</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537610048">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 33<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_CommitmentsAndGuaranteesGivenAbstract', window );"><strong>Commitments and guarantees given [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock', window );">Disclosure of Commitments and guarantees given [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Commitments and guarantees given</span><div style="margin-bottom:10pt;margin-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 off-balance sheet exposures 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: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%">2024</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%">2023</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%">2022</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%">188,515</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%">152,868</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%">136,920</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%">160</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%">165</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%">177</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%">254&#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%">&#8212;&#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%">&#8212;&#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%">3,247</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,115</span></td><td colspan="3" style="border-left:1pt 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%">3,031</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%">13,441</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,595</span></td><td colspan="3" style="border-left:1pt 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%">15,407</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%">8,656</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,063</span></td><td colspan="3" style="border-left:1pt 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%">5,895</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%">82,891</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,303</span></td><td colspan="3" style="border-left:1pt 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%">68,120</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%">80,026</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,791</span></td><td colspan="3" style="border-left:1pt 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%">44,467</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%">22,503</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%">18,839</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%">16,511</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%">192</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%">229</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%">281</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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">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:middle"><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="border-left:1pt 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%">96</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%">636</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">978</span></td><td colspan="3" style="border-left:1pt 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%">475</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%">2,843</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,177</span></td><td colspan="3" style="border-left:1pt 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%">1,263</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%">18,724</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,460</span></td><td colspan="3" style="border-left:1pt 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%">14,541</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%">116</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">135</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%">51,215</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%">42,577</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%">39,137</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%">439</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%">636</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%">689</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%">&#8212;&#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%">&#8212;</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%">&#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: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%">354</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">327</span></td><td colspan="3" style="border-left:1pt 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%">215</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%">6,447</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,607</span></td><td colspan="3" style="border-left:1pt 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%">4,134</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%">3,256</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,837</span></td><td colspan="3" style="border-left:1pt 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%">1,758</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%">41,005</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,681</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,858</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="border-left:1pt 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%">171</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%">262,233</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%">214,283</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%">192,568</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Non-performing financial guarantees given amounted to &#8364;631, &#8364;865, and &#8364;970 million, respectively, as of December 31, 2024, 2023 and 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, 2024 and 2023, the provisions for loan commitments, financial guarantees and other commitments given, recorded in the consolidated balance sheet amounted to &#8364;372, &#8364;140 and &#8364;155; and &#8364;277 million, &#8364;190 million and &#8364;303 million, respectively (see Note 24).</span></div><div style="margin-bottom:10pt;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 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.</span></div>In the years 2024, 2023 and 2022, no issuance of debt securities carried out by associates of the BBVA Group, joint venture entities or non-Group entities have been guaranteed.<span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 34<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Other contingent assets and liabilities</span><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 there were no material contingent assets or liabilities other than those disclosed in the Notes to the consolidated financial statements.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Other Contingent 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">
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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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<html>
<head>
<title></title>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572745264">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 35<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_PurchaseAndSaleCommitmentsAndFuturePaymentObligationsAbstract', window );"><strong>Purchase and sale commitments and future payment obligations [Abstract]</strong></a></td>
<td class="text">&#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_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock', window );">Disclosure of Purchase and sale commitments and future payment obligations [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Purchase and sale commitments and future payment obligations</span><div style="margin-bottom:10pt;margin-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><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Purchase and sale commitments and future payment obligations</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">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Purchase and sale commitments and future payment obligations [Abstract]</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">
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<td><strong> Name:</strong></td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571058464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 36<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_TransactionsOnBehalfOfThirdPartiesAbstract', window );"><strong>Transactions on behalf of third parties [Abstract]</strong></a></td>
<td class="text">&#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_TransactionsOnBehalfOfThirdPartiesTextBlock', window );">Transactions on behalf of third parties [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Transactions on behalf of third parties</span><div style="margin-bottom:10pt;margin-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: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%">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%">2024</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%">2023</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%">2022</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%">496,082</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%">430,377</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%">352,139</span></td></tr><tr><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%">13,460</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,125</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:8pt;font-weight:400;line-height:120%">11,738</span></td></tr><tr><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%">5,700</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:8pt;font-weight:400;line-height:120%">6,397</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:8pt;font-weight:400;line-height:120%">3,223</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%">515,241</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%">448,899</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%">367,100</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transactions on behalf of third parties [Abstract]</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">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transactions on behalf of third parties</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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<html>
<head>
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<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570918736">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 37<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_NetInterestIncomeAbstract', window );"><strong>Net Interest Income [Abstract]</strong></a></td>
<td class="text">&#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_DisclosureOfNetInterestIncomeTextBlock', window );">Disclosure of Net interest income [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Net interest income</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Interest and other income</span><div style="margin-bottom:10pt;margin-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="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%">2024</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%">2023</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></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%">5,951</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%">4,984</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%">2,079</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%">2,951</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,098</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,110</span></td></tr><tr><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 &#8317;&#185;&#8318;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50,243</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,328</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,258</span></td></tr><tr><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%">1,448</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,052</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="padding:2px 1pt;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%">702</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">91</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(825)</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 &#8317;&#178;&#8318;</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%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">501</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%">61,659</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,850</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,432</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes interest on demand deposits at central banks and credit institutions.</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%">(2) Includes, among others, the net interest income accrued from funds obtained through TLTRO III operations, which amounted to &#8364;177 million for the year ended December 31, 2022 (see Note 22.1).</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 amounts recognized in consolidated equity in connection with hedging derivatives for the years ended December 31, 2024, 2023 and 2022 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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Interest expense</span><div style="margin-bottom:10pt;margin-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-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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">5,445</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%">3,834</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%">1,140</span></td></tr><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%">170</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">130</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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%">28,379</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,164</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,985</span></td></tr><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%">1,097</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">809</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(232)</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%">1,016</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">633</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">948</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%">173</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333</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%">36,392</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,761</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%">12,309</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Interest Income [Abstract]</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">
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<td><strong> Name:</strong></td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360573012128">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 38<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_DividendIncomeAbstract', window );"><strong>Dividend income [Abstract]</strong></a></td>
<td class="text">&#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_DisclosureOfDividendIncomeTextBlock', window );">Disclosure of dividend income [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Dividend income</span><div style="margin-bottom:10pt;margin-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 shown in the breakdown below:</span></div><div style="margin-bottom:6pt;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%">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%">2024</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%">2023</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></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%">10</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%">11</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%">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:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income &#8317;&#185;&#8318;</span></td><td colspan="3" style="background-color:#ffffff;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%">109</span></td><td colspan="3" style="background-color:#ffffff;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-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%">108</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%">120</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%">118</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%">123</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Dividend income corresponds mainly to investments held at the end of the year.</span></div><span></span>
</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of dividend 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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Dividend income [Abstract]</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>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570918736">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 39<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract', window );"><strong>Share of profit or loss of entities accounted for using the equity method [Abstract]</strong></a></td>
<td class="text">&#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_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock', window );">Disclosure of share of profit or loss of entities accounted for using the equity method [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Share of profit or loss of entities accounted for using the equity method</span><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Results from &#8220;Share of profit or loss of entities accounted for using the equity method&#8221; resulted in a positive impact of &#8364;40 million for the year ended December 31, 2024, compared with the positive impact of &#8364;26 million and the positive impact of &#8364;21 million recorded for the years ended December 31, 2023 and 2022, respectively.</span></div><span></span>
</td>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of share of profit or loss of entities accounted for using the equity method</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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share of profit or loss of entities accounted for using the equity method [Abstract]</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_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract</td>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561716880">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 40<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_FeeAndCommissionIncomeAndExpensesAbstract', window );"><strong>Fee and commission income and expenses [Abstract]</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_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory', window );">Disclosure of fee and commission income (expense) [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Fee and commission income and expense</span><div style="margin-bottom:10pt;margin-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-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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">21</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%">24</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%">26</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%">300</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">300</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">424</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%">Credit and debit cards and POS &#8317;&#178;&#8318;</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,665</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,499</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%">166</span></td><td colspan="3" style="padding:2px 1pt;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%">162</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%">961</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">862</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">812</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%">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%">384</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">261</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%">322</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">307</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">259</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%">530</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">471</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">420</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%">1,685</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,407</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,228</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%">360</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">345</span></td><td colspan="3" style="padding:2px 1pt;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></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%">221</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">207</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">193</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%">902</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">751</span></td><td colspan="3" style="padding:2px 1pt;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></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%">13,036</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,899</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%">8,260</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Points of 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:130%">The breakdown of fee and commission expense under this heading 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:99.585%"><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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">7</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%">6</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%">5</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%">Credit and debit cards and POS &#8317;&#178;&#8318;</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%">3,534</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,337</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,884</span></td></tr><tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">156</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">132</span></td></tr><tr><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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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: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%">101</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">111</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><tr><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%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">721</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%">5,048</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,611</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,888</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div>(2) Points of Sale<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fee and commission income and expenses [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of fee and commission income (expense). [Refer: Fee and commission 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 2024-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>dtr-2022:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533887680">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 41<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract', window );"><strong>Gains Or Losses On Financial Assets And Liabilities, Hedge Accounting And Exchanges Differences [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock', window );">Disclosure of Gains Or Losses On Financial Assets And Liabilities And Exchanges Differences [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net</span><div style="margin-bottom:10pt;margin-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 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;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%">2024</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%">2023</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></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%">327</span></td><td colspan="3" style="border-top:1pt solid #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%">76</span></td><td colspan="3" style="border-top:1pt solid #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%">64</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%">20</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%">41</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%">8</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%">307</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%">35</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%">56</span></td></tr><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%">2,458</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,352</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">562</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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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 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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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 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%">2,458</span></td><td colspan="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%">1,352</span></td><td colspan="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%">562</span></td></tr><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%">179</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">337</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(67)</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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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 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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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 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%">179</span></td><td colspan="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%">337</span></td><td colspan="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%">(67)</span></td></tr><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%">249</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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%">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:#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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(45)</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 and hedge accounting</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,218</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,844</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">663</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">339</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,275</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%">3,913</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%">2,183</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%">1,938</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 breakdown of the balance (excluding exchange rate differences) under this heading in the consolidated income statements by the nature of the financial 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:99.585%"><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 and hedge accounting. </span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Breakdown by nature of the financial instrument (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%">2024</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%">2023</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></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%">841</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%">799</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%">(2,266)</span></td></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%">553</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,099)</span></td></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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(812)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,361</span></td></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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(241)</span></td></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%">(81)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274</span></td></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%">1,488</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,635</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%">3,218</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%">1,844</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">663</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 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: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-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%">2024</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%">2023</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></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%">(21)</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%">427</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%">522</span></td></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%">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%">(402)</span></td><td colspan="3" 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%">1,653</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%">Credit derivative agreements</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%">(123)</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%">(56)</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%">16</span></td></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%">(15)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(431)</span></td><td colspan="3" 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%">(658)</span></td></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 and 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%">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(332)</span></td><td colspan="3" 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%">(127)</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%">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:8pt;font-weight:700;line-height:120%">(795)</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%">1,406</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="border-left:1pt solid #FFFFFF;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="border-left:1pt solid #FFFFFF;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 #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%">8</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%">(10)</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%">(51)</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%">(512)</span></td><td colspan="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%">(114)</span></td><td colspan="3" style="border-left:1pt 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%">(229)</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%">520</span></td><td colspan="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%">103</span></td><td colspan="3" style="border-left:1pt 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%">178</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%">(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%">(7)</span></td><td colspan="3" style="padding:2px 1pt;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</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%">5</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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)</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%">181</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(812)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,361</span></td></tr></table></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 42<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_DisclosureOfOtherOperatingIncomeExpenseExplanatory', window );">Disclosure of other operating income (expense) [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Other operating income and expense </span><div style="margin-bottom:10pt;margin-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: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="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%">2024</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%">2023</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></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%">354</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%">347</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%">284</span></td></tr><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%">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:middle"><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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="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%">623</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">619</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">528</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 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;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="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%">2024</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%">2023</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></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%">165</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%">151</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%">134</span></td></tr><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 &#8317;&#185;&#8318;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">636</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,017</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">997</span></td></tr><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 &#8317;&#178;&#8318;</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%">1,775</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,007</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,687</span></td></tr><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 &#8317;&#179;&#8318;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,374</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">867</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">620</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%">3,951</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,042</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,438</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In 2024, no contributions were made to the European Single Resolution Fund (SRF) since the constitution phase of the fund has been completed. Likewise, the Deposits Guarantee Fund of Credit Institutions in Spain reached in 2023 the minimum coverage level established by the European Regulation with respect to covered deposits, so that no additional contribution was necessary for this purpose during 2024, although prior contributions are maintained.</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%">(2) For the year ended December 31, 2024 it includes &#8364;1,419 million related to Argentina and &#8364;348 million related to Turkey. For the year ended December 31, 2023 it included &#8364;1,062 million related to Argentina and &#8364;916 million related to Turkey. For the year ended December 31, 2022, it included &#8364;822 million related to Argentina and &#8364;832 million related to Turkey (see Note 2.2.18).</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%">(3) For the year ended December 2024 and 2023, it includes &#8364;285 and &#8364;215 million, respectively, corresponding to the total annual amount disbursed under the temporary tax on credit institutions and financial credit establishments, according to Law 38/2022 of December 27, 2022 (see Note 19.6). The change compared to 2023 is mainly as a result of higher taxes in various geographies due to increased activity.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533855632">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 43<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract', window );"><strong>Income And Expenses From Insurance And Reinsurance Contracts [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock', window );">Disclosure of Income and Expenses From Insurance and Reinsurance Contracts [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Income and expense from insurance and reinsurance contracts</span><div style="margin-bottom: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 balances of the headings &#8220;Income and expense from insurance and reinsurance contracts&#8221; in the consolidated income statements stem from the insurance activity and include the following:</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: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;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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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"><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%">Income from insurance and reinsurance contracts &#8317;&#178;&#8318; </span></div></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%">3,720</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%">3,081</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%">2,622</span></td></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%">(2,238)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,821)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,547)</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%">1,482</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%">1,261</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%">1,075</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term 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:120%">The table below shows the contribution of each insurance product to the Group&#180;s income for the years ended December 31, 2024, 2023 and 2022:</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="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%">Net income by type of 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">752</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%">617</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%">649</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%">656</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%">590</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%">573</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%">96</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%">27</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%">76</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%">730</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">643</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%">426</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">730</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%">643</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%">426</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%">1,482</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%">1,261</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%">1,075</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 44<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_AdministrationCostsAbstract', window );"><strong>Administration Costs [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_DisclosureOfAdministrationCostsTextBlock', window );">Disclosure of Administration Costs [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Administration costs</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Personnel expense</span><div style="margin-bottom:10pt;margin-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-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:49.593%"></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:11.229%"></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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">5,937</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%">5,068</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%">4,310</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%">1,007</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">708</span></td></tr><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%">158</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87</span></td></tr><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%">51</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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%">506</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">440</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">454</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%">7,659</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%">6,530</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%">5,601</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"> Share-based employee remuneration</span><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022, corresponding to the remuneration plans based on equity instruments in each year, amounted to &#8364;23 million, &#8364;</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">24</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> million and &#8364;32 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%">Thus, according to the applicable remuneration policies, the variable remuneration for the Identified Staff members is subject, principally, to the following rules:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 Variable Remuneration for Identified Staff members for each financial year will not accrue or will be reduced upon accrual, if certain profit and capital ratio levels are not achieved. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 maximum of 40% of the Annual Variable Remuneration for those members of the Identified Staff who receive particularly high amounts of variable remuneration and members of BBVA&#8217;s Senior Management and 60% for the rest of the Identified Staff (the &#8220;Upfront Portion&#8221; of the Annual Variable Remuneration) shall vest and be paid, provided the relevant conditions for payment are met, as a general rule, in the first quarter of the following financial year to which the Annual Variable Remuneration corresponds.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 remaining amount, and at least 60% of the Annual Variable Remuneration for those members of the Identified Staff who receive particularly high amounts of variable remuneration and members of BBVA&#8217;s Senior Management, and 40% for the rest of the Identified Staff, will be deferred over a period of 4 years (the &#8220;Deferred Portion&#8221; of the Annual Variable Remuneration). However, for members of BBVA&#8217;s Senior Management the deferral period shall be 5 years. In both cases, the Deferred Portion will be paid, provided the relevant conditions are met, once each of the years of deferral has elapsed. In no event will this Deferred Portion be paid faster than in a proportionate way.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 Upfront Portion and the Deferred Portion of the Annual Variable Remuneration of each member of the Identified Staff will be paid 50% in cash and 50% in BBVA shares or in instruments linked to BBVA shares. For members of BBVA&#8217;s Senior Management, the Deferred Portion will be paid 40% in cash and 60% in BBVA shares and/or in instruments linked to 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">Shares or instruments received as Annual Variable Remuneration shall be withheld for one year running from the date of delivery. The foregoing shall not apply to those shares that are sold, where appropriate, in order to meet the payment of tax obligations accruing on the delivery of the shares and/or 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 Deferred Portion of the Annual Variable Remuneration may undergo certain ex post risk adjustments, meaning that it will not vest, or may be reduced, if certain capital and liquidity thresholds are 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">Up to 100% of the Annual Variable Remuneration of each member of the Identified Staff corresponding to each financial year, both in cash and in shares or instruments, will be subject to arrangements for the reduction of variable remuneration (malus) and arrangements for the recovery of variable remuneration already paid (clawback), which will remain in effect during the applicable deferral and retention period, and 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">The cash amounts of the Deferred Portion of the Annual Variable Remuneration that ultimately vest will be updated by applying the consumer price index (hereinafter "CPI") measured as the year-on-year change in prices, or any other criteria established for that purpose 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">Identified Staff members may not use personal hedging strategies or insurance in connection with the Annual Variable Remuneration and the responsibility 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">If the members of the Identified Staff are entitled to receive any variable remuneration other than the Annual Variable Remuneration but which qualifies as variable remuneration, such variable remuneration shall be subject to the rules regarding accrual, award, vesting and payment in accordance with the type and nature of the remuneration component 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 variable remuneration of the Identified Staff for a financial year (understood as the sum of all variable remuneration) shall be limited to a maximum amount of 100% of the fixed component (understood as the sum of all fixed remuneration) of the total remuneration, unless the BBVA 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: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 15, 2024 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 6, 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%">In 2024, 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 March 29, 2023, 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 March 17, 2023, that is 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 delivery of shares in 2024 to the members of the Identified Staff is derived from the settlement of the Annual Variable Remuneration for 2023 and deferred variable remuneration from previous years, which are subject to the vesting and payment rules established in the remuneration policies applicable in the year to which they correspond.</span></div><div style="margin-bottom:10pt;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 remuneration policy applicable in 2023, during 2024 a total amount of 2,627,541 BBVA shares or instruments linked to BBVA shares, corresponding, mostly, to the Upfront Portion of 2023 Annual Variable Remuneration and to other variable components of remuneration, 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%">In addition, according to the remuneration policy applicable in 2018, during 2024 a total amount of 147,871 BBVA shares, corresponding to the third and last payment of the Deferred Portion of 2018 Annual Variable Remuneration of the Chair and other members of BBVA's 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%">Additionally, according to the remuneration policy applicable in 2019, during 2024 a total amount of 220,803 BBVA shares, corresponding mostly to the second payment of the Deferred Portion of 2019 Annual Variable Remuneration of executive directors and other members of BBVA's Senior Management, as well as to other variable components of remuneration, 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%">Likewise, according to the remuneration policy applicable in 2020, during 2024 a total amount of 2,244,441 BBVA shares were delivered, corresponding, mainly, to the entire payment of the Deferred Portion of 2020 Annual Variable Remuneration of certain members of the Identified Staff as well as to other variable components of remuneration. In 2020, the executive directors and other members of BBVA's Senior Management, as a gesture of responsibility and commitment in response to the exceptional circumstances arising from the COVID-19 crisis, waived their entire 2020 Annual Variable 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%">In accordance with the remuneration policy applicable in 2021, during 2024 a total of 740,382 BBVA shares were delivered, the majority corresponding to the second payment of the Deferred Portion of 2021 Annual Variable Remuneration of the Identified Staff, which includes executive directors and other members of BBVA's Senior Management, as well as to other variable components of 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%">Lastly, according to the remuneration policy applicable in 2022, during 2024 a total amount of 728,081 BBVA shares were delivered, corresponding, mainly, to the first payment of the Deferred Portion of 2022 Annual Variable Remuneration of the Identified Staff, among which executive directors and the rest of the members of BBVA's Senior Management are included, as well as to other variable components of 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%">Detailed information on the delivery of shares to executive directors and the rest of the members of BBVA's Senior Management who held this position as of December 31, 2024, 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 Brazil and Portugal, BBVA Brazil Banco de Investimento and BBVA IFIC 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-year 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 Brazil Banco de Investimento, both the cash amounts and share amounts of the deferred portion may be subject to update adjustments which are payable in cash.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 the deferred portion of the annual variable remuneration may be reduced, but never increased, depending on the result of multi-year performance indicators. The cash amounts of the deferred portion that are finally paid will be subject to updating by applying the CPI measured as a year-on-year change in prices.</span></div><div style="margin-bottom:10pt;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 2024 a total of 6,581 BBVA shares corresponding to the upfront portion of 2023 annual variable remuneration were delivered to the staff of BBVA Brazil Banco de Investimento.</span></div><div style="margin-bottom:10pt;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 2024 a total of 1,832 BBVA shares corresponding to the first third of the deferred portion of 2022 annual variable remuneration were delivered as well as a total of &#8364;856 as adjustments for updates, a total of 1,624 BBVA shares corresponding to the second third of the deferred portion of 2021 annual variable remuneration and &#8364;1,324 as adjustments for updates, and a total of 1,368 BBVA shares corresponding to the last third of the deferred portion of 2020 annual variable remuneration and &#8364;1,305 as adjustments for updates. </span></div><div style="margin-bottom:10pt;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 BBVA IFIC group, it should be noted that the exception provided for in the remuneration policy for said year corresponding to payment in shares has been applied to the annual variable remuneration for the year 2023 of some members of this group, in line with the provisions of the regulations in force. For this reason in 2024 just 1,951 BBVA shares have been delivered to BBVA IFIC identified members corresponding to 2023 variable 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%">Additionally, during 2024 a total of 3,218 BBVA shares corresponding to the second third of the deferred portion of 2021 annual variable remuneration and a total of 2,149 BBVA shares corresponding to the last third of the deferred portion of 2020 annual variable remuneration were delivered to this group.</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Other administrative expense</span><div style="margin-bottom:10pt;margin-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-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: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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">1,732</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%">1,512</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%">1,391</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%">261</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">195</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%">441</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">266</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%">577</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">520</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">440</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%">481</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">370</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">234</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">214</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%">1,253</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,090</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">897</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%">5,001</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%">4,375</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:8pt;font-weight:700;line-height:120%">3,773</span></td></tr></table></div><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533855632">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 45<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_DisclosureOfDepreciationAndAmortisationExpenseExplanatory', window );">Disclosure of depreciation and amortisation expense [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Depreciation and amortization </span><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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:49.593%"></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:11.229%"></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%">2024</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%">2023</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></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%">972</span></td><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%">867</span></td><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%">818</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%">623</span></td><td colspan="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%">547</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%">501</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%">343</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%">317</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%">312</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%">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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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: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%">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:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">510</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%">1,533</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,403</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,328</span></td></tr></table></div><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Depreciation And Amortisation Expense [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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<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of depreciation and amortisation expense. [Refer: Depreciation and amortisation 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 2024-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571058464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 46<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ProvisionsOrReversalOfProvisionsAbstract', window );"><strong>Provisions or reversal of provisions [Abstract]</strong></a></td>
<td class="text">&#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_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock', window );">Disclosure of Provisions or reversal of provisions [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Provisions or reversal of provisions</span><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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:49.593%"></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:11.229%"></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%">2024</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%">2023</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></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%">3</span></td><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%">31</span></td><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%">(89)</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%">(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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87</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%">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:8pt;font-weight:400;line-height:120%">171</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210</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></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%">88</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:8pt;font-weight:400;line-height:120%">84</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%">198</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%">373</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%">291</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Provisions 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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provisions or reversal of provisions [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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533750624">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 47<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract', window );"><strong>Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Abstract]</strong></a></td>
<td class="text">&#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_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock', window );">Disclosure of Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification</span><div style="margin-bottom:10pt;margin-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:99.893%"><tr><td style="width:1.0%"></td><td style="width:49.593%"></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:11.229%"></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%">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%">2024</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%">2023</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></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%">58</span></td><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%">42</span></td><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%">76</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></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%">5,687</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,386</span></td><td colspan="3" style="border-left:1pt 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%">3,303</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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(369)</span></td><td colspan="3" style="border-left:1pt 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%">(390)</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%">5,745</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%">4,428</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,379</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Impairment or reversal of impairment on financial assets not measured 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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360515024256">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 48<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock', window );">Disclosure of Impairment or reversal of impairment of investments in joint ventures and associates [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Impairment or reversal of impairment of investments in joint ventures and associates</span><div style="margin-bottom:10pt;margin-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;Impairment or reversal of the impairment of investments in joint ventures or associates" included a net reversal of impairment of &#8364;63 million in the year ended December 31, 2024. This heading included a net impairment of &#8364;9 million for the year ended December 31, 2023, and it included a net reversal of impairment of &#8364;42 million for the year ended December 31, 2022 (see Note 16.3).</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Impairment or reversal of impairment of investments in 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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment or reversal of impairment of investments in joint ventures and associates [Abstract]</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">
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<td style="white-space:nowrap;">bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561714288">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 49<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract', window );"><strong>Impairment or reversal of impairment on non financial assets [Abstract]</strong></a></td>
<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_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock', window );">Disclosure of Impairment or reversal of impairment on non financial assets [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Impairment or reversal of impairment on non-financial assets </span><div style="margin-bottom:10pt;margin-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:61.303%"></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="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%">2024</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%">2023</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%">2022</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></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%">(29)</span></td><td colspan="3" style="border-top:1pt solid #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%">16</span></td><td colspan="3" style="border-top:1pt solid #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%">(53)</span></td></tr><tr><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%">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%">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:8pt;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: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%">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: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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55</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%">(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%">54</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Impairment or reversal of impairment on non financial assets</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572634480">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 50<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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<td class="text">&#160;<span></span>
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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_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock', window );">Disclosure of Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</span><div style="margin-bottom:10pt;margin-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;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:61.303%"></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="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%">2024</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%">2023</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></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%">66</span></td><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%">64</span></td><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%">102</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%">(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:8pt;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:8pt;font-weight:400;line-height:120%">(221)</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"> </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%">&#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%">11</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%">&#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></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%">(17)</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%">22</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%">(108)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> (1) </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">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: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 the BBVA Group (see Note 17).</span></div><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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<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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360521877200">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 51<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock', window );">Disclosure of consolidated statements of cash flows [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Consolidated statements of cash flows </span><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 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%">2024</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%">2023</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%">2024</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%">2023</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></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%">68,707</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%">55,429</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%">55,763</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%">15,832</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%">12,485</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%">14,794</span></td></tr><tr><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%">627</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,283</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,303</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,388</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,945)</span></td></tr><tr><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%">532</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">344</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">421</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%">(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:8pt;font-weight:400;line-height:120%">(364)</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%">Acquisition</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Disposal</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%">&#8212;</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:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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"><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%">Disposals by companies held for sale </span></div></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%">&#8212;</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:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#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%">532</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%">(5)</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%">344</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%">421</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%">(40)</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%">(364)</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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%">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%">69,867</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">68,707</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55,429</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19,556</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,832</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:8pt;font-weight:700;line-height:120%">12,485</span></td></tr></table></div>(1) There were &#8364;56, &#8364;35 and &#8364;24 million of subordinated deposits as of December 31, 2024, 2023 and 2022, respectively (see Note 22.4). In addition, there were coupon payments on subordinated liabilities for &#8364;388, &#8364;345 and &#8364;313 million in 2024, 2023 and 2022<span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564560496">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 52<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_AuditorsRemunerationAbstract', window );"><strong>Auditor's remuneration [abstract]</strong></a></td>
<td class="text">&#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_DisclosureOfAccountantFeesAndServicesTextBlock', window );">Disclosure of accountant fees and services [Text Block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Accountant fees and services</span><div style="margin-bottom:10pt;margin-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, 2024, 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:99.739%"><tr><td style="width:1.0%"></td><td style="width:61.400%"></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:11.400%"></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></tr><tr><td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#01a5a5;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:#01a5a5;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:#01a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> (Millions of Euros) </span></div></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="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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;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%">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%">32.8</span></td><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%">28.5</span></td><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%">24.8</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: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%">1.5</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%">1.4</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:8pt;font-weight:400;line-height:120%">1.0</span></td></tr><tr><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%">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%">0.1</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:8pt;font-weight:400;line-height:120%">0.1</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:8pt;font-weight:400;line-height:120%">0.1</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Regardless of the billed year.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Including fees pertaining to annual legal audits (&#8364;26.0 million as of December 31, 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%">In the year ended December 31, 2024, 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:99.739%"><tr><td style="width:1.0%"></td><td style="width:61.400%"></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:11.400%"></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></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%">Other Services rendered (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="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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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></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%">0.2</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%">0.2</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%">0.1</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 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:60.995%"></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="6" 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%">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><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="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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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></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%">8.5</span></td><td colspan="3" style="background-color:#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%">7.9</span></td><td colspan="3" style="background-color:#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%">7.6</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%">5.6</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:8pt;font-weight:400;line-height:120%">5.4</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:8pt;font-weight:400;line-height:120%">5.2</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%">2.0</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.9</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: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: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%">1.2</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%">1.0</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.4</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%">1.2</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%">0.8</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:8pt;font-weight:400;line-height:120%">0.8</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Services provided by Ernst &amp; Young, S.L. to companies located in Spain, to the branch of BBVA in New York, the branch of BBVA in London and the branch of BBVA in Frankfurt.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Audit fees disclosed in this Note are presented under local purposes and do not correspond to SEC definitions. 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 SEC.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564554560">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 53<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_RelatedPartyTransactionsAbstract', window );"><strong>Related party transactions [abstract]</strong></a></td>
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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_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory', window );">Disclosure of transactions between related parties [text block]</a></td>
<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt">Related-party transactions</span><div style="margin-bottom:10pt;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 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, 2024, 2023 and 2022, the following are the transactions with related parties:</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Transactions with significant shareholders</span><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, there were no shareholders with significant influence (see Note 26).</span></div><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt">Transactions of BBVA Group entities with joint ventures and associates</span><div style="margin-bottom:10pt;margin-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 joint ventures and associates 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 of BBVA Group entities with joint ventures and associates (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%">2024</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%">2023</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></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%">13</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%">5</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%">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: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%">639</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:8pt;font-weight:400;line-height:120%">1,842</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%">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:8pt;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:8pt;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:#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%">1</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%">&#8212;</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%">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:8pt;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:8pt;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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204</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%">171</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%">177</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%">136</span></td></tr><tr><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%">784</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">595</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">751</span></td></tr><tr><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%">117</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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="padding:2px 1pt;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></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 balances of the main captions in the consolidated income statements resulting from transactions with joint ventures and associates 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;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 of BBVA Group entities with joint ventures and associates (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%">2024</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%">2023</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></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%">37</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%">44</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%">20</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%">4</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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%">7</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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></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%">55</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;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</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%">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><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><div style="margin-bottom:10pt;margin-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><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:8.607%"></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:6.141%"></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:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.909%"></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:6.758%"></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:4.909%"></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:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.918%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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  December 31 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%">2024</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%">2023</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%">2022</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;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%">Directors</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:5pt;font-weight:700;line-height:120%">Related parties of Directors</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"><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-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:5pt;font-weight:700;line-height:120%">Related parties of Senior Management</span></td><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 #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%">Directors</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:5pt;font-weight:700;line-height:120%">Related parties of Directors</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"><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-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:5pt;font-weight:700;line-height:120%">Related parties of Senior Management</span></td><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 #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%">Directors</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:5pt;font-weight:700;line-height:120%">Related parties of Directors</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"><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-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: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 #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%">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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,176</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">210</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">4,664</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">688</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">531</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">243</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">5,553</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">727</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">668</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">1,880</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">6,321</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">764</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%">Bank guarantees</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</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%">10</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</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:top"><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;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%">&#8212;</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%">10</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</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:top"><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;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%">&#8212;</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%">10</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Excluding 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%">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><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 54<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Remuneration and other benefits of the Board of Directors and members of the Bank's Senior Management</span><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 of 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 corresponding to the financial years 2024 and 2023 is as follows, individually and by remuneration item: </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:18.468%"></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: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="30" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Remuneration of non-executive directors (thousands of Euros) </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></div></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Board of Directors</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Executive Committee </span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Audit Committee</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Risk and Compliance Committee</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Remuneration Committee </span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Appointments and Corporate Governance Committee</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Technology and Cybersecurity Committee</span></td><td colspan="3" rowspan="2" 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:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Other positions </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.25pt;font-weight:700;line-height:120%;position:relative;top:-1.75pt;vertical-align:baseline">(2)</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:5pt;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;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%">2024</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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">165</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><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="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><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="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">115</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><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="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">625</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">593</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">167</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:7pt;font-weight:400;line-height:120%">22</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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">31</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">455</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:7pt;font-weight:400;line-height:120%">502</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Enrique Casanueva N&#225;rdiz</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"> (3)</span></div></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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">44</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:7pt;font-weight:400;line-height:120%">71</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">223</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:7pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Sonia Dul&#225;</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:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">66</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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">302</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:7pt;font-weight:400;line-height:120%">223</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">214</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">46</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">80</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:7pt;font-weight:400;line-height:120%">512</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:7pt;font-weight:400;line-height:120%">461</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">167</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">36</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:7pt;font-weight:400;line-height:120%">46</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">378</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:7pt;font-weight:400;line-height:120%">416</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:6.5pt;font-weight:400;line-height:120%">Connie Hedegaard Koksbang</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:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">66</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">195</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:7pt;font-weight:400;line-height:120%">173</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">66</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">238</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:7pt;font-weight:400;line-height:120%">238</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Jos&#233; Maldonado Ramos </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(4)</span></div></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:7pt;font-weight:400;line-height:120%">32</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:7pt;font-weight:400;line-height:120%">42</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">12</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">85</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:7pt;font-weight:400;line-height:120%">342</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Cristina de Parias Halc&#243;n </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(5)</span></div></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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">31</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:7pt;font-weight:400;line-height:120%">29</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">167</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:7pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">66</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">238</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:7pt;font-weight:400;line-height:120%">238</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Juan Pi Llorens </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(4)</span></div></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:7pt;font-weight:400;line-height:120%">32</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">27</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">12</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:7pt;font-weight:400;line-height:120%">11</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">81</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:7pt;font-weight:400;line-height:120%">361</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">86</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">364</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:7pt;font-weight:400;line-height:120%">307</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Susana Rodr&#237;guez Vidarte </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(6)</span></div></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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">112</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Carlos Salazar Lomel&#237;n </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(7)</span></div></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:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">172</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:7pt;font-weight:400;line-height:120%">172</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">214</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:7pt;font-weight:400;line-height:120%">214</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></div></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,695</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">542</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">497</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">633</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">293</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">293</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><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;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">130</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,250</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,350</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%">(1) Includes amounts corresponding to the positions on the Board and its various Committees, the composition of which was modified on April 26, 2024.</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:120%">(2) Amounts corresponding to the positions of Deputy Chair of the Board of Directors and Lead Director.</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:120%">(3) Director appointed by the General Shareholders' Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. </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:120%">(4) Directors who left office on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(5) Director appointed by the General Shareholders&#8217; Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. In addition, the director Cristina de Parias Halc&#243;n received in the 2024 and 2023 financial years, &#8364;72 thousand and &#8364;76 thousand, respectively, as per diems for her attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. Likewise, in 2024, she received &#8364;56 thousand and 14,697 BBVA shares corresponding to the deferred portion of 2018 and 2019 annual variable remuneration accrued in her former condition of BBVA&#8217;s member of Senior Management, including the update of its cash portion. In 2025, the last payment of the deferred portion of 2019 annual variable remuneration, including the update of its cash portion, is due to this director (&#8364;30 thousand and 7,593 BBVA shares). </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:120%">(6) Director who left office on March 17, 2023. Remuneration in 2023 corresponding to the term in office in that financial year.</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:120%">(7) In addition, in financial years 2024 and 2023, the director Carlos Salazar Lomel&#237;n received &#8364;113 thousand and &#8364;67 thousand, respectively, as per diems for his attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. and of the strategy forum of BBVA M&#233;xico, S.A. de CV.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Likewise, during financial years 2024 and 2023, &#8364;112 thousand and &#8364;123 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"><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 Shareholders&#8217; Meeting held on March 18, 2006 and extended by resolutions of the General Shareholders&#8217; Meetings held on March 11, 2011 and March 11, 2016 for a further five-year period in each case, by the General Shareholders&#8217; Meeting held on April 20, 2021 for a further three-year period and by the General Shareholders&#8217; Meeting held on March 17, 2023 for a further four-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 Shareholders&#8217; Meetings approving the corresponding financial statements for each financial 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 BBVA shares, in a number equivalent to the theoretical shares accumulated by each non-executive director, 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="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The theoretical shares allocated to non-executive directors who were beneficiaries of the remuneration system with deferred delivery of shares in the 2024 and 2023 financial years, corresponding to 20% of the total annual fixed allowance in cash received by each of them in the 2023 and 2022 financial years, respectively, were 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: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%">2024</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%">2023</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: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:7pt;font-weight:700;line-height:120%">Theoretical shares allocated </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-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: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:7pt;font-weight:700;line-height:120%">Theoretical shares allocated </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-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%">13,407</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%">147,455</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%">16,023</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%">134,048</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%">11,350</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%">106,310</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%">17,255</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%">94,960</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%">Enrique Casanueva N&#225;rdiz </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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">Sonia Dul&#225; </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;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,042</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%">5,042</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%">&#8212;</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%">&#8212;</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%">10,423</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%">40,191</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%">10,091</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%">29,768</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%">9,401</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%">110,593</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%">10,603</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%">101,192</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 Koksbang</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%">3,914</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%">7,177</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%">3,263</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%">3,263</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%">5,384</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%">76,977</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%">7,237</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%">71,593</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%">Jos&#233; Maldonado Ramos &#8317;&#8308;&#8318;</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%">7,735</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%">&#8212;</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%">10,397</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%">146,874</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%">Cristina de Parias Halc&#243;n &#8317;&#178;&#8318;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">5,384</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%">47,713</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%">7,237</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%">42,329</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%">Juan Pi Llorens &#8317;&#8308;&#8318;</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%">8,157</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%">&#8212;</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%">13,943</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%">148,542</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%">6,947</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%">31,161</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%">8,035</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%">24,214</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%">Susana Rodr&#237;guez Vidarte &#8317;&#8309;&#8318;</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%">&#8212;</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%">&#8212;</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%">13,648</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%">&#8212;</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%">3,882</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%">21,012</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%">5,218</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%">17,130</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%">4,851</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%">40,623</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%">6,521</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%">35,772</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></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%">95,877</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%">634,254</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%">129,471</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%">849,685</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The number of theoretical shares was calculated according to the average closing price of the BBVA share during the 60 trading sessions prior to the dates of the General Shareholders&#8217; Meetings of March 15, 2024 and March 17, 2023 which were &#8364;8.84 and &#8364;6.58 per share, respectively.  </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:120%">(2)  Directors appointed by the General Meeting held on March 15, 2024; accordingly, the allocation of theoretical shares is not due until 2025. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Director appointed by the General Meeting held on March 17, 2023; accordingly, the first allocation of theoretical shares was made in 2024.</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:120%">(4) Directors who left office on March 15, 2024. In application of the system, Jos&#233; Maldonado Ramos and Juan Pi Llorens received a total of 154,609 and 156,699 BBVA shares, respectively, after leaving office, which is equivalent to the total theoretical shares accumulated up to that date by each of them.</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:120%">(5) Director who left office on March 17, 2023. In application of the system, she received a total of 191,423 BBVA shares, after leaving office, which was equivalent to the total theoretical shares accumulated up to that date.</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 of 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 executive directors for financial years 2024 and 2023 indicated below, individually and by remuneration item, are the result of applying the BBVA Directors&#8217; Remuneration Policy approved at the General Shareholders&#8217; Meeting held on March 17, 2023. </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 0 1.49pt;text-indent:-0.49pt"></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%">2024</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%">2023</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%">2,924</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%">2,924</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%">2,179</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%">2,179</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:right;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,103</span></td><td colspan="3" style="background-color:#5ac4c4;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%">5,103</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%">In addition, in accordance with the provisions established in the BBVA Directors&#8217; Remuneration Policy and contractually, during the 2024 and 2023 financial years the Chair received, each year, the amount of &#8364;41 thousand of fixed allowances for vehicle rental and others. Meanwhile, the Chief Executive Officer received, each year, the amount of &#8364;654 thousand of fixed remuneration in cash in lieu of pension (equivalent to 30% of his Annual Fixed Remuneration), as he does not receive a retirement benefit (see section on &#8220;Pension commitments with executive directors&#8221; in this Note), and the amount of &#8364;600 thousand for his 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:#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%">Remuneration in kind (thousands 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></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%">Likewise, the executive directors received remuneration in kind during the financial years 2024 and 2023, including insurance premiums and others, totaling &#8364;140 thousand and &#8364;172 thousand in the case of the Chair and &#8364;128 thousand and &#8364;131 thousand in the case of the Chief Executive Officer, respectively.</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: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:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Variable remuneration </span></div></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%">With regard to variable remuneration, the BBVA Directors&#8217; Remuneration Policy approved by the General Shareholders&#8217; Meeting in 2023 establishes a model whereby the Annual Variable Remuneration (&#8220;AVR&#8221;) of the executive directors comprises two components: a Short-Term Incentive (&#8220;STI&#8221;) and a Long-Term Incentive (&#8220;LTI&#8221;). The award of both incentives is contingent upon the achievement of the minimum profit and capital ratio thresholds approved by the Board of Directors for this purpose. The sum of the STI and the LTI constitutes the AVR for the year of each executive director. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The STI will be awarded once the reference year for measuring the annual indicators used for its calculation has ended. The amount of the STI will be determined based on the results of these indicators, taking into account the targets, scales of achievement and weightings established for each of them, which may range between 0% and 150% of the &#8220;Target STI&#8221;. The &#8220;Target STI&#8221; represents the amount of the STI if 100% of the pre-established targets for these indicators are achieved.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Once the aforementioned minimum profit and capital ratio thresholds have been reached, the right to the LTI will accrue, the final amount of which may range between 0% and 150% of the &#8220;Target LTI&#8221;. The &#8220;Target LTI&#8221; represents the amount of the LTI if 100% of the pre-established targets for the long-term indicators approved for its calculation are achieved. The final amount of the LTI will be determined once the last year of the measurement period of the long-term indicators has ended, based on their results and taking into account the targets, scales of achievement and weightings established for 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%">A percentage not exceeding 40% of the AVR will be vested and paid, provided that the required conditions are met, as a general rule, in the first quarter of the year following the one to which it corresponds (the &#8220;Upfront Portion&#8221;), in equal parts in cash and BBVA shares. The remaining amount, and at least 60% of the AVR, will be deferred over a five-year period and paid, if conditions are met, at the end of each of the five years of deferral, 40% in cash and 60% in BBVA shares and/or instruments linked to BBVA shares (the &#8220;Deferred Portion&#8221; or the &#8220;Deferred AVR&#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%">Within said deferral period, the payment of the LTI shall only begin after the expiration of the measurement period of the long-term indicators&#8217; targets, to the result of which its final amount is subject. Therefore, the LTI is part of the Deferred Portion of the AVR of 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%">In accordance with the foregoing, in 2024 the executive directors accrued a Short-Term Incentive amounting to &#8364;2,871 thousand in the case of the Chair and &#8364;2,147 thousand in the case of the Chief Executive Officer.  </span></div><div style="margin-bottom:10pt;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 executive directors accrued the right to a Long-Term Incentive for a maximum theoretical amount of &#8364;1,929 thousand in the case of the Chair and &#8364;1,443 thousand for the Chief Executive Officer, which is equivalent, in both cases, to 150% of their Target LTI. Once the measurement period for the long-term indicators established for their calculation has ended (at the end of 2027), their final amount will be determined, which may range between 0% and 150% of the &#8220;Target LTI&#8221;. Therefore, if 100% of the pre-established targets are met, this incentive will amount to &#8364;1,286 thousand in the case of the Chair and &#8364;962 thousand in the case of the Chief Executive Officer.</span></div><div style="margin-bottom:10pt;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 remaining rules applicable to the Annual Variable Remuneration of the executive directors set out in the BBVA Directors&#8217; Remuneration Policy will apply to the Annual Variable Remuneration for financial year 2024, which include: (i) a retention period of one year following delivery of the BBVA shares or instruments linked to 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 finally vested Deferred Portion in cash in accordance with the CPI; (iv) malus and clawback arrangements throughout the whole periods of deferral and retention of the shares or instruments; and (v) the limitation of variable remuneration to a maximum amount of 200% of the fixed component of total remuneration, in accordance with the resolution approved by the General Shareholders&#8217; Meeting held in 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%">Taking into account the above, the Upfront Portion of the AVR for the financial years 2024 and 2023 of the executive directors which is due for payment once each of said financial years has ended, in equal parts in cash and BBVA shares, is indicated 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: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:#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 Variable Remuneration (AVR)</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></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%">2024 </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><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%">2023 </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></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: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%">897</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%">92,803</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:top"><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-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%">107,835</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%">671</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%">69,408</span></td><td colspan="3" style="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:400;line-height:120%">671</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%">80,650</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:right;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,568</span></td><td colspan="3" style="background-color:#5ac4c4;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%">162,211</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:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,568</span></td><td colspan="3" style="background-color:#5ac4c4;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%">188,485</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) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to 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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached. </span></div><div style="margin-bottom:10pt;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) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to 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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached. </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: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;text-align:left;vertical-align:top"><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%">Deferred Annual Variable Remuneration (AVR) from previous financial years</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:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;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%">2024</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><td colspan="3" style="padding:0 1.18pt 0 1pt;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%">2023</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></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"><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;text-indent:-0.18pt"></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 #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 shares </span></td><td colspan="3" style="background-color:#ffffff;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 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 #ffffff;border-right: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 shares</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" 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:700;line-height:120%">Chair</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;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:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">221</span></td><td colspan="3" style="background-color:#ffffff;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%">38,821</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:top"><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-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%">&#8212;</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;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%">236</span></td><td colspan="3" style="background-color:#ffffff;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%">56,941</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">229</span></td><td colspan="3" style="background-color:#ffffff;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%">56,941</span></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:top"><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="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">228</span></td><td colspan="3" style="background-color:#ffffff;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%">57,325</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">222</span></td><td colspan="3" style="background-color:#ffffff;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%">57,325</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">0</span></td><td colspan="3" style="background-color:#ffffff;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%">0</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0</span></td><td colspan="3" style="background-color:#ffffff;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%">0</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">181</span></td><td colspan="3" style="background-color:#ffffff;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%">45,529</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176</span></td><td colspan="3" style="background-color:#ffffff;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%">45,529</span></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:top"><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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</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:top"><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="background-color:#ffffff;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%">35,795</span></td></tr><tr><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"><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:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">867</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">198,616</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">760</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">195,590</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></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"></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="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" 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: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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</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:top"><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;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%">29,034</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:top"><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;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%">&#8212;</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</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:top"><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="background-color:#ffffff;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%">43,793</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176</span></td><td colspan="3" style="background-color:#ffffff;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%">43,793</span></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:top"><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;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">173</span></td><td colspan="3" style="background-color:#ffffff;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%">43,552</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169</span></td><td colspan="3" style="background-color:#ffffff;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%">43,552</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">0</span></td><td colspan="3" style="background-color:#ffffff;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%">0</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0</span></td><td colspan="3" style="background-color:#ffffff;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%">0</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">163</span></td><td colspan="3" style="background-color:#ffffff;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%">40,858</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">158</span></td><td colspan="3" style="background-color:#ffffff;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%">40,858</span></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:top"><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;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"><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;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">683</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">157,237</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">503</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">128,203</span></td></tr><tr><td colspan="6" 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:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;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%">1,550</span></td><td colspan="3" style="background-color:#5ac4c4;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%">355,853</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:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,263</span></td><td colspan="3" style="background-color:#5ac4c4;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%">323,793</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) Deferred remuneration payable after the 2024 year-end, including the update of its cash portion. Payment to the Chair and the Chief Executive Officer will take place in 2025 in accordance with the vesting and payment rules set out in the remuneration policies applicable 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">2023 Deferred AVR: the first payment of the Deferred STI (17.9% of the Deferred Portion) is due to executive directors. Thereafter, the second payment of the Deferred STI (17.9% of the Deferred Portion) and the 2023 LTI (64.2% of the Deferred Portion) will be deferred for both executive directors. The final amount of the 2023 LTI will depend on the result of the long-term indicators approved for its calculation once its measurement period has elapsed (at the end of 2026), which may range between an achievement of 0% to 150%. If the relevant conditions are met, the second payment of the Deferred STI will be made in 2026 and the three payments of the 2023 LTI will be made in 2027, 2028 and 2029. </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">2022 Deferred AVR: the second payment (20% of the Deferred Portion) is due to executive directors. Thereafter, 60% of the 2022 Deferred AVR will be deferred for both executive directors, which, if the relevant conditions are met, will be paid in 2026, 2027, and 2028.</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: the third payment (20% of the Deferred Portion) is due to executive directors, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. Thereafter, 40% of the 2021 Deferred AVR will be deferred for both executive directors which, if the relevant conditions are met, will be paid in 2026 and 2027.</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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. </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">2019 Deferred AVR: the third and final payment (20% of the Deferred Portion) is due to executive directors. Following this, payment to executive directors of the 2019 Deferred AVR will be completed. </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 which was payable after the 2023 year-end, including the update of its cash portion. Its payment to the Chair and/or the Chief Executive Officer took place in 2024, in accordance with the vesting and payment rules set out in the remuneration policies applicable 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">2022 Deferred AVR: in 2024, the first payment (20% of the Deferred Portion) was made to executive directors. </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: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. </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">2019 Deferred AVR: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. </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 2024, the third and final payment (20% of the Deferred Portion) was made to the Chair. Following this, payment to the Chair of the 2018 Deferred AVR, which was associated with his former position as Chief Executive Officer, was completed. </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 commitments 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&#8217; 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 agreed annual contribution to cover the retirement contingency under the defined contribution system for the Chair, as set out in the BBVA Directors&#8217; Remuneration Policy, is &#8364;439 thousand. The Board of Directors may update this amount during the term of the Policy, in the same manner as it may update the Annual Fixed Remuneration, pursuant to the terms established therein. </span></div><div style="margin-bottom:10pt;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 portion of 15% of this annual contribution will be based on variable components and considered &#8220;discretionary pension benefits&#8221;. It will, therefore, be subject to the conditions regarding delivery in shares, withholding, reduction 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&#8217; 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&#8217;s contractual relationship 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 above, 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 2024, an amount of &#8364;456 thousand was recorded, comprising the agreed annual contribution to cover the retirement contingency, which is &#8364;439 thousand, and a further amount of &#8364;17 thousand relating to the upward adjustment of the &#8220;discretionary pension benefits&#8221; for the financial year 2023, which were declared at the end of that year and which had to be included in the accumulated fund in 2024. Likewise, an amount of &#8364;252 thousand was paid in insurance premiums for the death and disability contingencies.</span></div><div style="margin-bottom:10pt;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, 2024, the total accumulated fund to meet the retirement commitments with the Chair amounted to &#8364; 26,893 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%">Of the annual contribution for the retirement contingency corresponding to the financial year 2024, 15% (&#8364;66 thousand) was recorded in that 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 Short-Term Incentive that is part of the Chair&#8217;s Annual Variable Remuneration for the 2024 financial year and was determined to amount to &#8364;83 thousand, which represents an upward adjustment of &#8364;17 thousand. These &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund in the 2025 financial year and will be subject to the conditions established for them in the BBVA Directors&#8217; 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&#8217; 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 (&#8220;cash in lieu of pension&#8221;) equal to 30% of his Annual Fixed Remuneration. In accordance with the above, in the 2024 financial year, the Bank paid the Chief Executive Officer the amount of the &#8220;cash in lieu of pension&#8221; fixed remuneration, as described in the &#8220;Remuneration of executive directors&#8221; 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 with the Chief Executive Officer, for which the corresponding annual insurance premiums are paid. For these purposes, an amount &#8364;221 thousand was recognized in 2024 in this regard.</span></div><div style="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: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:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Pension systems (thousands of Euros)</span></div></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: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%">Accumulated funds</span></div></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: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%">2024</span></div></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></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%">2024</span></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2024</span></div></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></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%">456</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%">458</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%">252</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%">322</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%">26,893</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%">24,759</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%">&#8212;</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%">&#8212;</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%">221</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%">230</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%">&#8212;</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%">&#8212;</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%">456</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%">458</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%">472</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%">552</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%">26,893</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%">24,759</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 the pension commitments with the executive directors in financial years 2024 and 2023. In the case of the Chair, these relate to the sum of the annual retirement pension contribution and the adjustment made to the &#8220;discretionary pension benefits&#8221; for the financial years 2023 and 2022, the contribution of which to the accumulated fund was to be made in the financial years 2024 and 2023, respectively, as well as to the premiums for the death and disability contingencies. In the case of the Chief Executive Officer, the contributions recognized correspond exclusively to the insurance premiums paid by the Bank in 2024 and 2023 to cover the death and disability contingencies given that, in his case, the Bank has not undertaken any commitments to cover the contingency of retirement. </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%">Payments for 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&#8217; Remuneration Policy, the Bank has no commitments to make severance payments to 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:120%">Remuneration 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 remuneration of all Senior Management, excluding executive directors, for financial years 2024 and 2023, as indicated below, broken down by remuneration item, are the result of applying the BBVA Group&#8217;s General Remuneration Policy approved by the Board of Directors on March 29, 2023. </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;text-align:left;vertical-align:top"><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%">Fixed remuneration (thousands of Euros)</span></div></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 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2024</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:700;line-height:120%">Senior Management Total </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><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%">19,928</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%">18,187</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">In addition, in accordance with the provisions established in the BBVA Group&#8217;s General Remuneration Policy and contractually, during the 2024 and 2023 financial years, the members of Senior Management collectively received fixed allowances for vehicle rental and others totaling &#8364;347 thousand and &#8364;314 thousand, respectively. </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:#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%">Remuneration in kind (thousands 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></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 2024 and 2023 financial years, remuneration in kind, including insurance premiums and others, totaling &#8364;603 thousand and &#8364;590 thousand, respectively, was collectively paid to members of Senior Management.</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:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Variable remuneration </span></div></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%">With regard to variable remuneration, the BBVA Group&#8217;s General Remuneration Policy establishes a model whereby the Annual Variable Remuneration (&#8220;AVR&#8221;) for members of Senior Management, like that of executive directors, comprises two components: a Short-Term Incentive (&#8220;STI&#8221;) and a Long-Term Incentive (&#8220;LTI&#8221;). The award of both incentives is contingent upon the achievement of the minimum profit and capital ratio thresholds approved by the Board of Directors for this purpose. The sum of the STI and the LTI constitutes the AVR for the year of each member 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%">Under this model, and in the same terms as set out above for the executive directors, in 2024 financial year, all members of Senior Management accrued a Short-Term Incentive for a total combined amount of &#8364;7,271 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%">In addition, all members of Senior Management accrued the right to a Long-Term Incentive for a maximum theoretical amount of &#8364;4,856 thousand, which is equivalent to the sum of 150% of the &#8220;Target LTI&#8221; of each beneficiary. The final amount of the LTI of each beneficiary will be determined at the end of the measurement period of the long-term indicators established for its calculation (at the end of 2027). This final amount may range between 0% and 150% of the &#8220;Target LTI&#8221;. Therefore, if 100% of the pre-established targets are achieved, it will amount to a total of &#8364;3,237 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%">Moreover, the remaining rules applicable to the Annual Variable Remuneration of the members of the Senior Management established in the BBVA Group&#8217;s General Remuneration Policy will apply to the Annual Variable Remuneration for financial year 2024, which include: (i) a retention period of one year following delivery of the BBVA shares or instruments linked to 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 finally vested Deferred Portion in cash in accordance with the CPI; (iv) malus and clawback arrangements throughout the whole periods of deferral and retention of the shares or instruments; and (v) the limitation of variable remuneration to a maximum amount of 200% of the fixed component of total remuneration, in accordance with the resolution approved by the General Shareholders&#8217; Meeting in 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%">Taking into account the above, the total sum of the Upfront Portion of the AVR for financial years 2024 and 2023 of the members of Senior Management, due for payment once each of said financial years has ended, in equal parts in cash and BBVA shares, is indicated below. </span></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><table style="border-collapse: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:#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 Variable Remuneration (AVR)</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></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%">2024 </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><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%">2023 </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></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"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Senior Management Total </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">(3)</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%">2,272</span></td><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%">235,016</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%">2,229</span></td><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%">267,628</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares or instruments linked to shares). </span></div><div style="margin-bottom:3pt;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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.</span></div><div style="margin-bottom:3pt;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) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares). </span></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.</span></div><div style="margin-bottom:3pt;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%">(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><table style="border-collapse: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;text-align:left;vertical-align:top"><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%">Deferred Annual Variable Remuneration (AVR) from previous financial years </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:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;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%">2024</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><td colspan="3" style="padding:0 1.18pt 0 1pt;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%">2023</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></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Deferred AVR</span></td><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: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: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 #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:7pt;font-weight:700;line-height:120%">In shares </span></td><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;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: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 #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:7pt;font-weight:700;line-height:120%">In shares</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" style="background-color:#ffffff;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:700;line-height:120%">Senior Management Total </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">(3)</span></div></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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%">576&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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%">98,636&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">526</span></td><td colspan="3" style="background-color:#ffffff;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%">125,129</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">493</span></td><td colspan="3" style="background-color:#ffffff;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%">122,566</span></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:top"><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="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">490</span></td><td colspan="3" style="background-color:#ffffff;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%">119,207</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">457</span></td><td colspan="3" style="background-color:#ffffff;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%">116,528</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">56</span></td><td colspan="3" style="background-color:#ffffff;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%">14,340</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,494</span></td><td colspan="3" style="background-color:#ffffff;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%">289,020</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">314</span></td><td colspan="3" style="background-color:#ffffff;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%">77,447</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">303</span></td><td colspan="3" style="background-color:#ffffff;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%">77,447</span></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:top"><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;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:top"><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;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%">36,454</span></td></tr><tr><td colspan="6" 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:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;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%">1,963</span></td><td colspan="3" style="background-color:#5ac4c4;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%">434,759</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:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,885</span></td><td colspan="3" style="background-color:#5ac4c4;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%">642,015</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Deferred remuneration payable after 2024 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who are beneficiaries will take place in 2025 in accordance with the remuneration policies applicable in each financial year and the vesting and payment rules set forth therein applicable to each member of Senior Management, based on when they became such a member: </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">2023 Deferred AVR: the first payment of the Deferred STI is due to members of Senior Management. </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">2022 Deferred AVR: the second payment is due to members of Senior Management. </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: the third payment is due to members of Senior Management, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, the second payment of the deferred portion of a success bonus on the sale of BBVA USA is due to one member of Senior Management &#8212; an executive of BBVA USA at that time &#8212;. </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: the third and final payment is due to the members of Senior Management that are beneficiaries. In addition, the third and final payment of the deferred portion of a retention plan is payable to one member of Senior Management.</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 which was payable after the 2023 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who were beneficiaries took place in 2024 in accordance with the vesting and payment rules set forth in the remuneration policies applicable 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">2022 Deferred AVR: in 2024, the first payment was made to members of Senior Management. </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: in 2024, the second payment was made to members of Senior Management. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, in 2024 the deferred portion of a success bonus on the sale of BBVA USA was paid to two members of the Senior Management &#8212; who were executives of BBVA USA at that time &#8212;. In 2024, one of them received the whole of the deferred portion and the other one received the first payment of the deferred portion, in accordance with the vesting and payment rules set out in the remuneration policies applicable to each of them in that 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">2019 Deferred AVR: in 2024, the second payment was made to the members of Senior Management who were beneficiaries. In addition, the second payment of the deferred portion of a retention plan was paid to a member of Senior Management. </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 2024, the third and final payment was made to the members of Senior Management who were beneficiaries. </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%">(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases. </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 order to meet the pension commitments made to members of Senior Management (16 members as of December 31, 2024, excluding the executive directors), a total combined amount of &#8364;4,226 thousand was recognized in financial year 2024 for the contingency of retirement. This amount is equivalent to the annual contribution agreed to cover the contingency of retirement, plus a further amount of &#8364;150 thousand pertaining to the upward adjustment of the &#8220;discretionary pension benefits&#8221; for financial year 2023, which were declared at the end of that financial year and which had to be included to the accumulated fund in 2024. In addition, an aggregate total amount of &#8364;1,181 thousand was paid in premiums to cover the contingencies of death and 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%">As of December 31, 2024, the total accumulated fund to meet the retirement commitments with members of Senior Management amounted to &#8364;40,549 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 to cover the contingency of retirement for members of Senior Management, will be based on variable components and will be considered &#8220;discretionary pension benefits&#8221;, and will therefore be subject to the conditions regarding delivery in shares, withholding, reduction and recovery established in the applicable regulations, as well as to any other conditions concerning variable remuneration that 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 2024 financial year, a total amount of &#8364;587 thousand was recognized in 2024 as &#8220;discretionary pension benefits&#8221;. Following the end of the financial year, and as in the case of the Chair, this amount was adjusted by applying the same criteria used to determine the Short-Term Incentive that is part of the Annual Variable Remuneration of the members of Senior Management for the 2024 financial year. As a result, the &#8220;discretionary pension benefits&#8221; for the year, corresponding to all members of Senior Management, have been calculated at a total combined amount of &#8364;741 thousand, which represents an upward adjustment of &#8364;154 thousand. These &#8220;discretionary pension benefits&#8221; will be included in the accumulated fund in the 2025 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="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:19.855%"></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:0.1%"></td><td style="width:0.570%"></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:14.924%"></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:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.231%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" 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%">Pension systems (thousands of Euros)</span></div></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: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%">Contributions </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><td colspan="3" style="padding:0 1pt"></td><td colspan="6" rowspan="2" 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%">Accumulated funds</span></div></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:middle"><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:middle"><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: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%">2024</span></div></td><td colspan="3" style="border-top:1pt solid #000000;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%">2023</span></div></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: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%">2024</span></div></td><td colspan="3" style="border-top:1pt solid #000000;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%">2023</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;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%">2024</span></div></td><td colspan="3" style="border-top:1pt solid #000000;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%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;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:700;line-height:120%">Senior Management Total </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="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%">4,226</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%">3,829</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%">1,181</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%">1,102</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%">40,549</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%">34,069</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 with all Senior Management in financial years 2024 and 2023, which relate to the sum of the annual retirement pension contributions and the adjustments made to the &#8220;discretionary pension benefits&#8221; for 2023 and 2022 which were included in the accumulated fund in 2024 and 2023, respectively, and to the insurance premiums paid by the Bank for death and disability contingencies.</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%">(2) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases.</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%">Payments for termination of the contractual relationship </span></div>Regarding Senior Management, excluding the executive directors, in 2024 the Bank did not make any severance payments arising from the termination of the contractual relationship.<span></span>
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<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 2024-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 55<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_AdditionalInformationAbstract', window );"><strong>Additional information [abstract]</strong></a></td>
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<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Other information</span><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%">55.1</span><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:15.99pt">Environmental 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%">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, 2024, 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 financial statements in the Commercial Register is approved.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of additional information that is not presented elsewhere in the financial statements, but that is relevant to an understanding of them.</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572714784">
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<td class="text"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt">Subsequent events</span><div style="margin-bottom:10pt;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 14, 2025, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of USD 1 billion. This issuance is listed on the New York Stock Exchange and was targeted only at qualified investors, not being offered or sold to any retail clients. Likewise, on January 28, 2025, the Bank announced its irrevocable decision to redeem in whole on March 5, 2025, the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on September 5, 2019, for an amount of USD 1 billion on the First Reset Date and once the prior consent from the Regulator was obtained (see Note 22.4). In addition, on February 17, 2025 BBVA, S.A. announced a 12-year Tier 2 subordinated bond of &#8364;1 billion to be issued on February 25, with a call option in February 2032. </span></div><div style="margin-bottom: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%">On January 30, 2025, it was announced that a cash distribution in the amount of &#8364;0.41 gross per share to be paid presumably in April 2025 as the final dividend for the year 2024, and the execution of a share buyback program of BBVA for an amount of &#8364;993 million were planned to be proposed to the corresponding corporate bodies for consideration as ordinary remuneration to shareholders for 2024, subject to obtaining the corresponding regulatory authorizations and approval by the Board of Directors of the specific terms and conditions of the program, which will be communicated to the market prior to the start of its execution. Finally, on February 14, 2025 BBVA announced by means of an Inside Information filing with the CNMV, that the Board of Directors of BBVA has resolved to propose to the Annual General Shareholders&#8217; Meeting to be held on March 21, 2025 a cash distribution of &#8364;0.41 gross per share as a final dividend for 2024 to be paid on April 10, 2025.</span></div><div style="margin-bottom:10pt;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, 2025 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><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564965744">
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<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 BBVA, cybersecurity risk management is an integral part of our overall enterprise risk management program. Our cybersecurity risk management program provides a framework for handling cybersecurity threats and incidents, including threats and incidents associated with the use of services provided by third-party service providers, and is designed to facilitate coordination across different departments of the Group in the handling of such cybersecurity threats and incidents. This framework includes steps for assessing the severity of a cybersecurity threat, identifying the source of a cybersecurity threat, including whether the cybersecurity threat is associated with a third-party service provider, implementing cybersecurity countermeasures and mitigation strategies and, as later explained in greater detail, informing management and our Board of Directors of material cybersecurity threats and incidents. Our cybersecurity risk management program is regularly updated to align with industry best practices established by internationally accepted security standards and its effectiveness in mitigating the risks that the Group is exposed to is periodically assessed.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, cybersecurity is not only a strategic priority, but also one of the main elements in the digital transformation of the Bank. BBVA&#8217;s Corporate Security Area is responsible for ensuring adequate information security management by establishing security policies, procedures and controls that bolster the security of the Group&#8217;s global infrastructures, digital channels and payment methods following a holistic and threat intelligence-led approach, where a program has been designed for each of the four fundamental pillars of BBVA&#8217;s security strategy: cybersecurity, data protection, physical security and security in business processes and fraud management, with the aim to reduce the risks identified in the risk taxonomy defined by 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%">As cyberattacks evolve and become more sophisticated, the Group has strengthened its prevention and monitorization efforts. During the past few years, cybersecurity and information security measures have been reinforced with the aim to ensure an adequate protection of BBVA&#8217;s information and the assets supporting business processes. Security measures adopted in the past few years include measures intended to: (i) ensure end-to-end protection of business processes, considering logical and physical security, privacy and fraud management concerns, (ii) ensure compliance with 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, including by enhancing the use of facial biometrics, behavioral biometrics, advanced analytics models and the implementation of dynamic Card Verification Values (CVV).</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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, system monitoring capabilities, as well as incident prevention, detection and response capabilities have also been strengthened through the use of integrated information sources, improved analytical capabilities and automated platforms, improving information security management from a preventive and proactive 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%">Additionally, and with the aim to ensure that security is embedded in business processes, the security management model has been reinforced in the software development lifecycle process and in infrastructure, architecture and operations 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 Global Computer Emergency Response Team (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CERT</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) is the Group&#8217;s first line of detection and response to cyberattacks aimed at global users and the Group&#8217;s infrastructure. The Global CERT, which is based in Madrid, operates 24x7 and provides services in all countries where the Group operates, with operation lines dedicated to fraud and cybersecurity. The Global CERT receives information on cybersecurity threats from our Threat Intelligence Unit. Both of them are part of the Corporate Security Area.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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&#8217; 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. Both the Corporate Security Area and the Risk Control Area engage third-party security experts for risk assessments and system enhancements. </span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 working on the development of new artificial-intelligence and machine-learning models that enable the prediction and prevention of cyberattacks on financial infrastructure, providing a more secure client experience. BBVA&#8217;s Threat Intelligence Area has been reinforced in 2023 and 2024, adopting measures directed at transforming detailed technical information into actionable intelligence information that can be used to make decisions related to risk management. The Threat Intelligence Area continuously monitors threats that affect the financial sector and analyses risk trends with the aim to implement measures to minimize the risks the Group is exposed to. Analysis performed includes not only security trends but also the type, frequency and origin of attacks on systems and 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%">In addition, BBVA continuously carries out training and awareness initiatives related to security and privacy, promoting training and awareness campaigns for BBVA&#8217;s employees, clients and society, 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 (phishing, smishing, vishing), malware and other technical attacks detection, detection of scams, security on online purchases and how to react if there is 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%">BBVA&#8217;s cybersecurity strategy is based on internationally accepted security standards. It covers best practices established in information-security standards and guidelines including ISO/IEC 27002 and other ISO/IEC 27000 series standards, COBIT 5 and the NIST Cybersecurity 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%">BBVA has also obtained several security certifications (such as Tier IV and ISAE 3402 certifications) in different countries. To maintain these certifications, periodic external audits are performed, considering the specific requirements of each certification. The external auditors that perform these audits are selected from among the most recognized audit firms in the areas of each certification.</span></div>Considering that one of the main risks companies face today are risks related to third parties, BBVA reinforced its controls to ensure an adequate protection of information by BBVA&#8217;s service providers in 2024. BBVA requires that service providers contracted by any Group company have internationally accepted security certifications. Security clauses are also included in contracts with service providers, including obligations to comply with specific security measures and all applicable legal and regulatory requirements. The third parties risk management model has been reinforced during 2024 to comply with the requirements of new regulations entering into force, such as the Digital Operational Resilience Act (DORA)<span></span>
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<td class="text">In 2024, we did not identify any cybersecurity threats that materially affected or are reasonably likely to materially affect our business strategy, results of operations or financial condition. However, despite our efforts, we cannot eliminate all risks from cybersecurity threats, or provide assurances that we have not experienced an undetected cybersecurity incident.<span></span>
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<td class="text">Our Board of Directors has overall oversight responsibility for our risk management, and is assisted by the Board&#8217;s Technology and Cybersecurity Committee in the oversight of technological risk and cybersecurity management and in monitoring the Group&#8217;s technological and cybersecurity strategies.<span></span>
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<td class="text"><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 overall oversight responsibility for our risk management, and is assisted by the Board&#8217;s Technology and Cybersecurity Committee in the oversight of technological risk and cybersecurity management and in monitoring the Group&#8217;s technological and cybersecurity strategies. This Committee, which meets every two months, is one of the main elements of our risk management governance model. It is responsible for the oversight of the Group&#8217;s technological and cybersecurity strategies and is informed by the Chief Security Officer (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CSO</span>&#8221;) of technological and cybersecurity performance and of any incidents that have arisen. The Committee keeps the Board of Directors informed of the main technological and cybersecurity risks to which the Group is exposed, as well as current cybersecurity and technological trends and any relevant security event that can affect the BBVA Group.<span></span>
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<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 management process includes lines of action related to the adequate training of BBVA&#8217;s Board members in the area of cybersecurity 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:17.86pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Further, BBVA&#8217;s Corporate Security Area and the Risk Control Area, based in Madrid, are responsible for identifying and assessing material cybersecurity risks on an ongoing basis, establishing processes to ensure that such potential cybersecurity risk exposures are monitored, putting in place appropriate mitigation measures and maintaining cybersecurity programs. Our cybersecurity programs are under the direction of our CSO, who receives reports from our cybersecurity team (which is part of the Corporate Security Area) and monitors the prevention, detection, mitigation, and remediation of cybersecurity incidents. Both the Corporate Security Area and the Risk Control Area engage third-party security experts for risk assessments and system enhancements.</span></div><span></span>
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<td class="text">Our Board of Directors has overall oversight responsibility for our risk management<span></span>
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<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;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 CSO and certain of the personnel of the Corporate Security Area have obtained internationally recognized certifications such as ISACA, Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM), Certified in Risk and Information Systems Control (CRISC), Certified Data Privacy Solutions Engineer (CDPSE), SANS Institute Certifications (GIAC Security Essentials, GIAC Certified Incident Handler Certification, GIAC Strategic Planning Policy and Leadership), Certified Information Systems Security Professional (CISSP) and ISO Certifications (ISO 27001 Lead Auditor), among others, and consist of experienced information systems security professionals and information security managers with the experience and capabilities required for their security functions. The CSO regularly reports to BBVA&#8217;s Internal Control &amp; Operational Risk Committee on the Group&#8217;s cybersecurity programs, material cybersecurity risks and mitigation strategies and provide cybersecurity reports to them every two months that cover, among other topics, third-party assessments of the Group&#8217;s cybersecurity programs, developments in cybersecurity and updates to the Group&#8217;s cybersecurity programs and mitigation strategies.</span></div><span></span>
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<td class="text"><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 overall oversight responsibility for our risk management, and is assisted by the Board&#8217;s Technology and Cybersecurity Committee in the oversight of technological risk and cybersecurity management and in monitoring the Group&#8217;s technological and cybersecurity strategies. This Committee, which meets every two months, is one of the main elements of our risk management governance model. It is responsible for the oversight of the Group&#8217;s technological and cybersecurity strategies and is informed by the Chief Security Officer (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CSO</span>&#8221;) of technological and cybersecurity performance and of any incidents that have arisen. The Committee keeps the Board of Directors informed of the main technological and cybersecurity risks to which the Group is exposed, as well as current cybersecurity and technological trends and any relevant security event that can affect the BBVA Group.<span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360521869392">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>List of accounting policies (Policies)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_DisclosureOfSignificantAccountingPoliciesAbstract', window );"><strong>Disclosure of significant accounting policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_AccountingPolicyForFinancialInstrumentsPolicyTextBlock', window );">Description of accounting policy for financial instruments explanatory [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt">Accounting principles and policies and applied valuation methods</span><div style="margin-bottom:10pt;margin-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><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Financial instruments</span><div style="margin-bottom:10pt;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 1, 2018, IFRS 9 came into force, replacing IAS 39 regarding the classification and measurement of financial assets and liabilities, credit impairment and hedge accounting. At that time, the Group chose to continue applying IAS 39 for hedge accounting, as permitted by IFRS 9. However, the Group has determined to apply the requirements of IFRS 9 to hedge accounting from January 1, 2025. This change in accounting policy applicable to hedging relationships had no significant impact on the Group's consolidated financial statements as of the date of its implementation.</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%">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 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 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;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;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%">In the specific case of loans granted by the BBVA Group where the financial remuneration is linked to the compliance with certain environmental, social and governance (hereinafter "ESG") conditions and criteria, the Group considers that the impact of compliance with the ESG criteria on the interest rate applied to the transactions is very limited and, therefore, meets the condition that it has a minimal effect on cash flows. Therefore, the existence of these ESG-linked clauses would not entail non-compliance with the aforementioned SPP 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="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%">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="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%">&#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 to generate short-term results. The financial assets recorded in the heading &#8220;Non-trading financial assets mandatorily at fair value through profit or loss" either have contractual cash flows that do not met the conditions of the SPPI test, or are not covered by a business model whose objective is either (i) to hold financial assets to collect contractual cash flows or (ii) achieved by collecting contractual cash flows and selling financial assets. Financial assets are classified in &#8220;Financial assets designated at fair value through profit or loss&#8221; only if such classification 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="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%">"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="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%">&#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="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%">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; 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">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="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%">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="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%">&#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.</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%">&#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="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%">&#8220;Hybrid financial liabilities&#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%">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="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%">&#8220;Derivatives &#8211; 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 hedging 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%">In some hedging relationships, the Group additionally designates inflation risk as a contractually specified component in a debt instrument (for example, inflation-referenced 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%">Hedge 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="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%">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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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 </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Stage</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> 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 (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">stage</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> 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%">The definition of impaired asset under IFRS 9 is currently aligned with that of default used by the Group both for internal credit risk management and for regulatory purposes, in accordance with the definitions established in the European Banking Authority (hereinafter "EBA") Guidelines and in Article 178 of Regulation (EU) No 575/2013 (CRR). This alignment facilitates the integration of both definitions in credit risk management, giving coherence and consistency in 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%">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, 2024, 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%.</span></div><div style="margin-bottom:10pt;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="margin-bottom:10pt;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 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, 2024, 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 to contracts with a current annualized probability of default (PD) of less than 0.3%. 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="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%">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="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%">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 geographical areas in which the Group operates are the Gross Domestic Product (hereinafter "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:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%">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><span></span>
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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_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock', window );">Derivatives hedge accounting and fair value changes of the hedged items in portfolio hedges of interest rate risk [Policy Text Block]</a></td>
<td class="text"><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%">&#8220;Derivatives &#8211; 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 hedging 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%">In some hedging relationships, the Group additionally designates inflation risk as a contractually specified component in a debt instrument (for example, inflation-referenced 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%">Hedge 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><span></span>
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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_LossAllowancesOnFinancialAssetsPolicyTextBlock', window );">Loss allowances on financial assets [Policy Text Block]</a></td>
<td class="text"><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%">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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt">Stage</span><span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"> 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 </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">Stage</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> 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 (</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%">stage</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"> 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%">The definition of impaired asset under IFRS 9 is currently aligned with that of default used by the Group both for internal credit risk management and for regulatory purposes, in accordance with the definitions established in the European Banking Authority (hereinafter "EBA") Guidelines and in Article 178 of Regulation (EU) No 575/2013 (CRR). This alignment facilitates the integration of both definitions in credit risk management, giving coherence and consistency in 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%">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, 2024, 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%.</span></div><div style="margin-bottom:10pt;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="margin-bottom:10pt;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 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, 2024, 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 to contracts with a current annualized probability of default (PD) of less than 0.3%. 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><span></span>
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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_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock', window );">Accounting policy for Transfers and derecognition of financial assets and liabilities [Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Transfers and derecognition of financial assets and liabilities </span><div style="margin-bottom:10pt;margin-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.</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%">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><span></span>
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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_AccountingPolicyForFinancialGuaranteesTextBlock', window );">Accounting policy for Financial guarantees [Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Financial guarantees</span><div style="margin-bottom:10pt;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><span></span>
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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_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock', window );">Accounting policy for property plant and equipment [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Tangible Assets</span><div style="margin-bottom: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%">Tangible assets are classified according to their nature:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt">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 Group and that it expects to hold for more than one year. It also includes tangible assets received by the Group in full or partial settlement of receivables from third parties which are expected to be held for continuing use.</span></div><div style="padding-left:43.08pt;text-align:justify;text-indent:-18pt"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8211;</span><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%;padding-left:12.44pt">Investment properties&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Includes the value of land, buildings and other structures that are held either for rental or for capital gain on sale, and which are not expected to be used in the ordinary course of business and are not intended for own use. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">&#8211;</span><span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt">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%">Includes assets for which the Group has granted the right of use to another company through an operating lease 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 general, and as an accounting policy option, tangible assets are recorded in the balance sheets under the cost model, i.e., at acquisition cost, less the related accumulated depreciation and, if applicable, the estimated impairment losses resulting from comparing the net book value of each item with its corresponding recoverable value (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 Group uses the straight-line method to calculate depreciation over the estimated useful life of the asset. The depreciation charge for tangible assets is recorded under "Depreciation and amortization" in the income statement (see Note 45) and is the result of using the following depreciation rates:</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%">General 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%">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><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;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><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><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 analyzes whether there are indicators that a tangible asset may be impaired and, if any, adjusts the carrying amount to its recoverable amount, modifying future depreciation charges in accordance with its revised remaining useful life. Similarly, if there is indication that the value of a tangible asset that was previously impaired has been recovered, the Group estimates the recoverable amount of the asset and recognizes in the income statement the reversal of the impairment loss recognized in previous years and thus, adjusts the future depreciation charges. Any impairment or reversal of impairment will be recognized with the offsetting entry recorded to the heading &#8220;Impairment or reversal of impairment of non-financial assets - Intangible assets&#8221; of the consolidated income statement (see Note 49).</span></div><div style="margin-bottom:10pt;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 (hereinafter, "CGUs") to which they belong. The corresponding impairment analyses are performed for these CGUs to determine whether sufficient cash flows are generated to support the value of the assets comprised therein.</span></div><div style="margin-bottom:10pt;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 expenses relating to tangible assets for own use are recognized in the year in which they are incurred under "Administrative expenses - Property, plant and equipment" in the income statement (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%">Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is adjusted, at each balance sheet date, to show variations in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div><span></span>
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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_AccountingPolicyForLeasesPolicyTextBlock', window );">Accounting policy for leases [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Leases</span><div style="margin-bottom:10pt;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, the Group will record assets and liabilities for lease contracts by recording a right of use (right to use the leased asset) under ''Tangible assets - Property, plant and equipment'' and ''Tangible assets - Investment property'' (see Note 17), and a lease liability (its obligation to make lease payments) under ''Financial liabilities at amortized cost - Other financial liabilities'' (see Note 22.5). The BBVA Group applies two exceptions in the case of short-term leases and leases whose underlying asset is of low value. In these cases, lease payments are recognized under "Other operating expense" (see Note 42) in the consolidated income statement over the term of the 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%">At the initial date of the lease, the lease liability is equal to the present value of all lease unpaid payments. Subsequently, it is valued at amortized cost.</span></div><div style="margin-bottom:10pt;margin-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 is initially recorded at cost and is subsequently reduced by accumulated amortization and accumulated impairment. The Group has decided to calculate depreciation using the straight-line method. Depreciation of tangible assets is recorded under "Depreciation and amortization" in the consolidated statement of income (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%">The interest expense on the lease liability is recorded 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%">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%">On the other hand, when the Group acts as a lessor, it classifies leases as finance or 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%">In finance leases, the sum of the present values of the amounts received plus the guaranteed residual value is recorded as financing provided to third parties and is included under "Financial assets at amortized cost" in the consolidated balance sheet (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%">In operating leases, the acquisition cost of the leased assets is presented under "Tangible assets - Property, plant and equipment - Assigned under operating leases" in the consolidated balance sheet (see Note 17). These assets are depreciated in accordance with the policies adopted for similar tangible assets for own use and the income and expenses arising from the lease contracts are recognized in the consolidated income statement on a straight-line basis under "Other operating income" and "Other operating expense", respectively (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><div style="margin-bottom:10pt;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 those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div><span></span>
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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_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock', window );">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]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale </span><div style="margin-bottom:10pt;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 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, it includes assets that were expected to be disposed of within one year, but for which disposal there is a delay caused by events and circumstances beyond the Group's control, and there is sufficient evidence that the Group remains committed to its plan for sale (see Note 21), in particular, regarding real estate assets or other assets received to cancel, in whole or in part, the payment obligations of debtors for credit operations. These assets are not amortized as long as they remain in this 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%">With respect to valuation, in general, foreclosed real estate assets or assets received in payment of debts are recognized both at the date of acquisition and subsequently, at the lower of their fair value less estimated costs to sell and their carrying amount, with the possibility of recognizing an impairment or reversal of impairment for the difference, if applicable. When the amount of the sale less estimated costs to sell exceeds the carrying amount, the gain is not recognized until the time of disposal and derecognition.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The applicable carrying value of the financial asset is updated at the time of foreclosure, treating the foreclosed property as collateral and taking into account the corresponding credit risk hedges at the time prior to delivery. The fair value of foreclosed assets is based mainly on appraisals or valuations performed by independent experts with a maximum age of one year, or less if there are indications of impairment; in addition, by appraisal, the need to apply a discount on the asset based on its specific conditions or market conditions for such type of assets is evaluated and, in any case, the entity&#8217;s estimated sale costs are deducted.</span></div><div style="margin-bottom:10pt;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/losses on disposal of these assets and impairment losses are recognized under "Gains (losses) on non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations" in the consolidated income statement (see Note 50). Other income and expenses are classified in the income statement items 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%">The income and expenses of discontinued operations generated in the year, even if they were generated prior to their classification as discontinued operations, are presented, net of the tax effect, as a single amount under "Profit (loss) after tax from discontinued operations" in the consolidated income statement. This caption also includes the results obtained on disposal (net of the 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%">Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of assets is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div><span></span>
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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_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock', window );">Accounting policies for intangible assets and goodwill [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Intangible assets</span><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">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 the advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.</span></div><div style="margin-bottom:10pt;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 allocated to one or more cash-generating units (CGUs) that are expected to be the beneficiaries of the synergies derived from the business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows for the Group. Goodwill is not amortized and is periodically tested for impairment (see Note 18), comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, 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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment 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%">Impairment losses on goodwill are recorded under "Impairment or reversal of impairment of non-financial assets - Intangible assets" (see Note 49). </span></div><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">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 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 indefinite useful lives are not amortized but are tested for impairment at least 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%">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. Finite useful life intangible assets consist mainly of IT applications acquisition costs which have a useful life, in general, of 5 years. Internally developed software is recognized as an intangible asset when, among other requirements, it has the capacity to be used or sold, it is identifiable and its capacity to generate economic benefits in the future can be demonstrated. The amortization charge of these assets is 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%">Any impairment losses on the carrying amount of these assets will be recognized under 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.</span></div><div style="margin-bottom:10pt;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 those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div><span></span>
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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_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock', window );">Accounting policy for intangible assets other than goodwill [Policy Text Block]</a></td>
<td class="text"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">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 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 indefinite useful lives are not amortized but are tested for impairment at least 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%">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. Finite useful life intangible assets consist mainly of IT applications acquisition costs which have a useful life, in general, of 5 years. Internally developed software is recognized as an intangible asset when, among other requirements, it has the capacity to be used or sold, it is identifiable and its capacity to generate economic benefits in the future can be demonstrated. The amortization charge of these assets is 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%">Any impairment losses on the carrying amount of these assets will be recognized under 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.</span></div><div style="margin-bottom:10pt;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 those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).</span></div><span></span>
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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_AccountingPolicyForGoodwillPolicyTextBlock', window );">Accounting policy for goodwill [Policy Text Block]</a></td>
<td class="text"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">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 the advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.</span></div><div style="margin-bottom:10pt;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 allocated to one or more cash-generating units (CGUs) that are expected to be the beneficiaries of the synergies derived from the business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows for the Group. Goodwill is not amortized and is periodically tested for impairment (see Note 18), comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, 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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment loss.</span></div>Impairment losses on goodwill are recorded under "Impairment or reversal of impairment of non-financial assets - Intangible assets" (see Note 49).<span></span>
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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_AccountingPolicyForBusinessCombinationsPolicyTextBlock', window );">Accounting policy for business combinations [Policy Text Block]</a></td>
<td class="text"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">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 the advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.</span></div><div style="margin-bottom:10pt;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 allocated to one or more cash-generating units (CGUs) that are expected to be the beneficiaries of the synergies derived from the business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows for the Group. Goodwill is not amortized and is periodically tested for impairment (see Note 18), comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, 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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment loss.</span></div>Impairment losses on goodwill are recorded under "Impairment or reversal of impairment of non-financial assets - Intangible assets" (see Note 49).<span></span>
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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_AccountingPolicyForInsuranceContractsPolicyTextBlock', window );">Accounting policy for insurance contracts [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Insurance and reinsurance contracts</span><div style="margin-bottom:10pt;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 superseded IFRS 4 as the accounting standard applicable to the recognition, measurement and presentation of contracts that transfer significant insurance risk. The initial application date of IFRS 17 by the BBVA Group was January 1, 2023 and it has been applied to the year ended December 31, 2023, with a transition date of January 1, 2022. In order to make the information as of and for the year ended December 31, 2022 comparable with the information as of and for the years ended December 31, 2024 and 2023, the balance sheet as of December 31, 2022 and the income statement for the year ended December 31, 2022 were restated.</span></div><div style="margin-bottom:10pt;margin-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 value of reinsurance covers in respect of the insurance liabilities recognized by the consolidated 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 liabilities recognized due to insurance contracts recorded by the consolidated subsidiaries in accordance with IFRS 17 (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:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Definition, grouping and classification</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%">The Group evaluates whether a significant insurance risk from a third party is being accepted in its contracts, when agreeing to compensate the policyholder if a specified uncertain future event adversely affects the policyholder. Thus, it identifies those insurance contracts that fall within IFRS 17. This evaluation was already carried out by the Group under IFRS 4 for the classification of its contracts between insurance contracts and 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%">The BBVA Group groups insurance contracts considering the following aspects:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Whether they are subject to similar risks and are managed jointly, separating as well direct insurance and 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">Their profitability or onerousness (in general, the Group classifies contracts by their profitability into two groups: onerous contracts, and non-onerous contracts or contracts without a significant possibility of becoming onerous</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">1</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">).</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Their year of issuance or cohort, grouping by this last criterion the contracts issued in the calendar year, i.e., between January 1 and December 31 of each year.</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%">Since the Group chose the fair value transition approach, for long-term contracts (mainly life-risk and life-saving insurance) issued prior to the transition date of January 1, 2022, it has not been necessary to aggregate the contracts by previous cohorts. For contracts issued after the transition date, the Group classifies them by year of issuance, and therefore, the Group has not accepted the exception provided for in the adoption of the standard by the European Union on annual cohorts in products with matched cash flows</span><span style="background-color:#ffffff;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">2</span><span style="background-color:#ffffff;color:#000000;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="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The Group has applied the analysis on the separation of non-insurance components only to insurance contracts falling under the scope of IFRS 17, with the entities identifying within their portfolios the existence of non-insurance components, and concluding based on expert judgment whether or not they need to separate them. In the case of non-separable investment components, they are included in the asset or liability, as appropriate, but are excluded from insurance income or expenses in the income statement.</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%">The initial recognition date has been established as the earliest of: the beginning of the coverage period of the group of contracts, the date when the first payment from an insurance policyholder in the group became due, or in the case of a group of onerous contracts, when the group becomes onerous. From that date, the insurance and reinsurance contracts have been reflected in the consolidated financial statements and valued in accordance with the provisions of IFRS 17.</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%">The Group derecognizes insurance contracts when the contract expires, that is, upon expiration of the contract or upon settlement of all the benefits of the contract or upon its cancellation; or when a modification is made to the terms of the contract that gives rise to derecognition.</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%">Valuation methods</span></div><div style="margin-bottom:10pt;margin-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 carries out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, applying the General Model (Building Block Approach) by default to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Fee Approach</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',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 General Model requires that insurance contracts be initially valued 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">fulfillment cash flows, which comprise the estimation of future cash flows discounted to reflect the time value of money, the financial risk associated, 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">and the contractual service margin (CSM), which represents the expected unearned profit from 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%">Subsequently, the amount recognized in the consolidated balance sheet for each group of insurance contracts measured under this model comprises the liability for remaining coverage, which includes the aforementioned fulfillment cash flows and the contractual service margin, and the liability for incurred claims, which includes the cash flows from related to claims that have occurred, but have not been paid, 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 by the uncertainty associated with the amount and timing of the expected cash flows. The Group uses the General Model for the valuation of liabilities under insurance and reinsurance contracts that correspond to long-term commitments, a portfolio that represents the majority of what is recorded in 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%">The Group used the Simplified Model in the valuation of the liability for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year but which are not expected to have a valuation significantly different from that of the General Model. Under this Simplified Model, the liability for remaining coverage is made up of the premiums received (collected), less the cash flows for the acquisition of the insurance paid, plus or minus the premiums or expected acquisition cash flows recorded in the income statement, respectively. The income statement recording is carried out on a linear basis throughout the coverage period of the contract, in the event that the accrual of income is also accrued. By default, the Group has chosen to defer acquisition expenses, although there is an option to recognize such expenses when they are incurred. In turn, the groups of contracts valued under this model have a liability for incurred claims calculated in a manner similar to that of the General Model. The Group has valued direct insurance contracts whose coverage period is less than one year, using the Simplified Model, the same method used for the valuation of assets for the reinsurance ceded. This model has also been used by the Group when the valuation under this Simplified Model does not differ significantly from that which would be produced by applying the General 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 amount of the contracts valued following the Variable Fee Approach is residual 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 BBVA Group has defined and identified for each group of contracts the hedging units to be used for the release to profit or loss of the contractual service margin, in accordance with IFRS 17, and subsequent interpretations issued by the Transition Resource Group for IFRS 17 and the IFRIC. The adjustments made to the contractual service margin in the subsequent measurement are those established in paragraph 44 of 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%">Furthermore, the Group has chosen the accounting policy option of not changing the treatment of accounting estimates made in previous interim closings.</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%">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%">The methodology used to obtain the discount rate differs according to the entity and portfolio to which it is applied, highlighting mainly the cases of the companies in Spain and Mexico, where the Group has greater presence (see Note 23). In the first case, the top-down approach has been mainly applied and it has been verified that the Internal Rate of Return (hereinafter &#8220;IRR&#8221;) of the entity&#8217;s asset portfolio converges with the IRR of a reference portfolio from which the European Insurance and Occupational Pensions Authority (hereinafter &#8220;EIOPA&#8221;) fundamental spread is discounted for. In the second case, the top-down approach has been used for immunized portfolios (see Glossary), eliminating the spread 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 rate. </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 adjustment for non-financial 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 risk adjustment for non-financial risk represents the compensation required for bearing uncertainty about the amount and timing of the associated cash flows. To estimate the non-financial risk adjustment, the Group has used its own methodologies based on calculations of the Value at Risk (VaR) of the commitments associated with the Life and Non-Life businesses, using in the case of Spain a confidence level of 80% and in the case of Mexico 70%.</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%">Onerosity</span></div><div style="margin-bottom:10pt;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 insurance contract is onerous at the date of initial recognition if the fulfilment cash flows allocated to the contract, any previously recognized insurance acquisition cash flows and any cash flows arising from the contract at the date of initial recognition in total are a net outflow.</span></div><div style="margin-bottom:10pt;margin-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 classified the contracts valued under the General Model into onerous groups, considering the fulfillment cash flows, acquisition expenses and any other attributable cash flow. The evaluation is carried out, in general terms, contract by contract, except in those cases where it is possible to group into sets of homogeneous 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%">Contracts valued under the Simplified Model, by default, are assumed to be non-onerous at their initial recognition, unless there are facts and circumstances that indicate otherwise, where the Group relies on information from existing internal reports (ratios and indicators) for monitoring business performance, adjusted to the criteria of IFRS 17, as well as market evolution expectations based on expert judgment. The granularity to carry out this evaluation may be the same as that used to monitor the business through the abovementioned internal reports.</span></div><div style="margin-bottom:10pt;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 same way as the contractual service margin represents the estimated future benefit of the insurance contract, the loss component is the estimated loss of the onerous contract. The accounting record of these two concepts has a different temporality:</span><span style="color:#000000;font-family:'BBVA Benton Sans Book',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-weight:400;line-height:130%">while the margin is deferred throughout the duration of the contract according to the contractual limits, the loss component is recognized in the income statement as soon as it is known, which will result in the carrying amount of the group's liability being equal to the fulfilment cash flows and the group's contractual service margin being equal to zero.</span></div><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Throughout the life of a contract, the assumptions used to project future cash flows may change and, consequently, the expected return on a contract may increase or decrease. This means that a group of contracts initially classified as onerous may become more onerous, or on the contrary, in the subsequent measurement the assumptions used to estimate the cash flows may change so much that the previously recognized loss could be reversed.</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%">Reinsurance</span></div><div style="margin-bottom:10pt;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, the Group values reinsurance covers under the Simplified Model, valuing the asset for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year, but which are not expected to produce a valuation significantly different from that of the General Model. This method also includes the asset for incurred claims.</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%">Effect on results</span></div><div style="margin-bottom:10pt;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, for the presentation of the financial income or expenses from insurance contracts that arise as a result of the change in the discount rate, both due to the effect of the time value of money as well as the effect of financial risk, the Group has chosen the accounting policy option of disaggregating these financial income or expenses from insurance contracts between recording them in the "Net interest income" and in "Accumulated other comprehensive income (loss)", in order to minimize accounting asymmetries in the valuation and recognition of financial investments under IFRS 9 and insurance contracts under 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 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 income or expense from insurance contracts. Insurance revenue is recognized over the period the entity provides insurance coverage, excluding any investment component.</span></div><div style="margin-bottom:10pt;margin-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 component, in the case of onerous contracts, corresponds to the losses attributable to each group of contracts, both at initial recognition and at a later time.</span></div><span></span>
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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_AccountingPolicyForIncomeTaxPolicyTextBlock', window );">Accounting policy for income tax explanatory [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt">Tax assets and liabilities</span><div style="margin-bottom:10pt;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 as an expense for the period 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><span></span>
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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_AccountingPolicyForDeferredIncomeTaxPolicyTextBlock', window );">Accounting policy for deferred income tax [Policy Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, the carryforward of unused tax losses and carryforward of unused tax credits 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 only 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 if it is necessary to make adjustments 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><span></span>
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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_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock', window );">Accounting policy for taxes other than income tax [Policy Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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><span></span>
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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_AccountingPolicyForProvisionsPolicyTextBlock', window );">Accounting policy for provisions [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Provisions, contingent assets and contingent liabilities</span><div style="margin-bottom:10pt;margin-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 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 2.2.13, 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><div style="margin-bottom:10pt;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 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 (see Note 34).</span></div><span></span>
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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_AccountingPolicyForTreasurySharesPolicyTextBlock', window );">Accounting policy for treasury shares [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Treasury shares</span><div style="margin-bottom:10pt;margin-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><span></span>
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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_AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock', window );">Accounting policy for share based payment transactions [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt">Equity-settled share-based payment transactions</span><div style="margin-bottom:10pt;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:120%">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><span></span>
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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_AccountingPolicyForEmployeeBenefitsPolicyTextBlock', window );">Accounting policy for employee benefits [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Pensions and other post-employment commitments </span><div style="margin-bottom:10pt;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 Group 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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; 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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; 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, 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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211; 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><span></span>
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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_AccountingPolicyForTerminationBenefitsPolicyTextBlock', window );">Accounting policy for termination benefits [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Termination benefits</span>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.<span></span>
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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_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock', window );">Accounting policy for recognition of revenue and expenses [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Recognition of income and expense</span><div style="margin-bottom:10pt;margin-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 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 be added to 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 be added to 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%">In the event that a debt instrument is considered impaired, interest income will be calculated by applying the effective interest rate to the amortized cost (that is, adjusting for any impairment loss) of the financial 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 be added to 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 at the time the right to receive them arises, which is the time of the official announcement of receipt of the payment by the appropriate governing body of the entity. 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-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 commissions collected/paid:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial fees are an integral part of the actual performance of a financing transaction and are collected in advance. They can be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Fees charged for the origination or acquisition of financing transactions that are not measured at fair value through profit or loss, such as those charged for the evaluation of the borrower's financial condition, for the analysis and recording of various collateral, as well as those charged for negotiating the terms of transactions or preparing and processing documentation and the closing of transactions, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. These fees, forming part of the effective rate of the loans, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Fees agreed as compensation for the commitment to grant financing when it is not measured at fair value through profit or loss and it is probable that the Group will enter into a specific loan agreement, are deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. If the commitment expires before the entity makes the loan such fee is recognized as revenue at the time of expiration.</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%">Non-financial commissions derived from the provision of financial services other than financing transactions may be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Related to the performance of a service rendered over time (e.g. account administration fees or fees collected in advance for the issuance or renewal of credit cards), in which case they are recognized over time based on the degree of progress in providing the service.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Related to the performance of a service rendered at a specific time (e.g. underwriting of securities, currency exchange, advice or syndication of a loan), in which they are recognized in the income statement at the time of collection.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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%">As a general rule, they are recognized on an accrual basis, that is, as the contractually committed goods or services are delivered or rendered and recognized as revenue over the life of the contract.</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 the event that consideration is received or there is a right to receive consideration without delivery of the contractually committed goods or services, a liability is recognized in the balance sheet until it is recognized in the income statement. </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 the case of collections and payments deferred over time, they are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market 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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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">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><span></span>
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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_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock', window );">Accounting policy for interest income and expense [Policy Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 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 be added to 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 be added to 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%">In the event that a debt instrument is considered impaired, interest income will be calculated by applying the effective interest rate to the amortized cost (that is, adjusting for any impairment loss) of the financial 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 be added to 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 at the time the right to receive them arises, which is the time of the official announcement of receipt of the payment by the appropriate governing body of the entity. 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><span></span>
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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_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock', window );">Accounting policy for recognising difference between fair value at initial recognition and amount determined using valuation technique [Policy Text Block]</a></td>
<td class="text"><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 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, they are recognized on an accrual basis, that is, as the contractually committed goods or services are delivered or rendered and recognized as revenue over the life of the contract.</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 the event that consideration is received or there is a right to receive consideration without delivery of the contractually committed goods or services, a liability is recognized in the balance sheet until it is recognized in the income statement. </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 the case of collections and payments deferred over time, they are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.</span></div><span></span>
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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_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock', window );">Accounting policy for fee and commission income and expense [Policy Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 commissions collected/paid:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Financial fees are an integral part of the actual performance of a financing transaction and are collected in advance. They can be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Fees charged for the origination or acquisition of financing transactions that are not measured at fair value through profit or loss, such as those charged for the evaluation of the borrower's financial condition, for the analysis and recording of various collateral, as well as those charged for negotiating the terms of transactions or preparing and processing documentation and the closing of transactions, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. These fees, forming part of the effective rate of the loans, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. </span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Fees agreed as compensation for the commitment to grant financing when it is not measured at fair value through profit or loss and it is probable that the Group will enter into a specific loan agreement, are deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. If the commitment expires before the entity makes the loan such fee is recognized as revenue at the time of expiration.</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%">Non-financial commissions derived from the provision of financial services other than financing transactions may be:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Related to the performance of a service rendered over time (e.g. account administration fees or fees collected in advance for the issuance or renewal of credit cards), in which case they are recognized over time based on the degree of progress in providing the service.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;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">Related to the performance of a service rendered at a specific time (e.g. underwriting of securities, currency exchange, advice or syndication of a loan), in which they are recognized in the income statement at the time of collection.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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">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><span></span>
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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_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock', window );">Accounting policy for recognition of non financial services revenue [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Sales of assets and income from the provision of non-financial services</span><div style="margin-bottom:10pt;margin-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;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).</span></div><span></span>
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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_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock', window );">Accounting policy for functional currency balance sheet [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Foreign-currency transactions and exchange differences</span><div style="margin-bottom:10pt;margin-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 2.2.18). 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 (see 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" (see 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 2.2.18). 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, 2024, 2023 and 2022, 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 2.2.18).</span></div><span></span>
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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_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock', window );">Accounting policy for functional currency income statement [Policy Text Block]</a></td>
<td class="text"><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 2.2.18). 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 (see 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" (see 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 2.2.18). 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, 2024, 2023 and 2022, 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 2.2.18).</span></div><span></span>
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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_AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock', window );">Accounting policies for entities and branches located in countries with hiperinflationary economies [Policy Text Block]</a></td>
<td class="text"><span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt">Entities and branches located in countries with hyperinflationary economies</span><div style="margin-bottom:10pt;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 2022, 2018 and 2009, the economies of Turkey, Argentina and Venezuela, 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 geographical areas have 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%">As a consequence of the application of IAS 29 "Financial Reporting in Hyperinflationary Economies", the Group applies the following criteria in the financial statements of the Group companies that operate in these three geographical areas:</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#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 21), 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 with "Accumulated other comprehensive income (loss)" as counterparty.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt">Consequently, 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 "Effects of Changes in Foreign Exchange Rates".</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%">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;1,742 million in 2024, of which &#8364;1,498 million is attributable to owners of the parent (&#8364;2,242 and &#8364;1,793 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;1,512 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement (&#8364;2,118 and &#8364;2,323 million in 2023 and 2022, respectively), and it was partially offset by the positive impact of the revaluation of certain bonds linked to inflation, for a gross amount of &#8364;1,164 million (&#8364;1,202 and &#8364;1,490 million in 2023 and 2022, respectively), given that, under IAS 29 "Financial Reporting in Hyperinflationary Economies", 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%">In addition, during 2024 the impact on equity of Group entities located in Turkey derived from the application of IAS 29 and the conversion to the euro (IAS 21) amounted to &#8364;1,253 million (&#8364;-355 million in 2023), of which &#8364;1,072 million (&#8364;-306 million in 2023) have been recorded within &#8220;Equity &#8211; Accumulated other comprehensive income (loss)&#8221;, and &#8364;181 million (&#8364;-49 million in 2023) have been recorded within &#8220;Minority interests &#8211; Accumulated other comprehensive income (loss)&#8221;, respectively (see Notes 30 and 31). In 2022 the impact on equity of Group entities located in Turkey derived from the retrospective application of IAS 29 "Financial Reporting in Hyperinflationary Economies" since January 1, 2022, in the Turkish subsidiaries was an increase in equity of &#8364;130 million, 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 2024 stood at 44.4% (64.8% and 64.3% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 36.74 Turkish lira per euro (32.65 and 19.96 in 2023 and 2022, 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:130%">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 combined result derived from the application of the above criteria amounted to a loss of &#8364;1,208 million, of which &#8364;810 million is attributable to owners of the parent in 2024 (&#8364;1,574 and &#8364;694 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;1,419 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2024 (&#8364;1,062 million and &#8364;822 million in 2023 and 2022, 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 2024, 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;1,115 million (&#8364;-634 million and &#8364;242 million in 2023 and 2022, respectively) of which &#8364;745 million (&#8364;-428 million and &#8364;157 million in 2023 and 2022, respectively) have been recorded within &#8220;Equity &#8211; Accumulated other comprehensive income (loss)&#8221;, and &#8364;370 million (&#8364;-206 million and &#8364;84 million in 2023 and 2022, respectively) have been recorded within &#8220;Minority interests &#8211; Accumulated other comprehensive income (loss)&#8221; (see Notes 30 and 31).</span></div><div style="margin-bottom:10pt;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 2024 was 118% (215% and 97% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 1,072.66 Argentine pesos per euro (892.81 and 188.51 in 2023 and 2022, 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: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%">The combined result derived from the application of the above criteria amounted to a loss of &#8364;36 million, of which &#8364;20 million is attributable to owners of the parent in 2024 (&#8364;10 million and &#8364;6 million attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#8364;42 million and is recorded in the line &#8220;Other operating expense&#8221; in the consolidated income statement in 2024 (&#8364;28 million in each of 2023 and 2022).</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%">During 2024, 2023 and 2022 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>Accumulated inflation for the year 2024, as estimated by BBVA Research, was 69% (111% and 292% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 68.83 Venezuelan bolivars per euro (43.23 and 19.79 in 2023 and 2022, respectively).<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policies for entities and branches located in countries with hiperinflationary economies</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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<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 );">- Definition</a><div><p>Accounting policy for business combinations</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for deferred income tax</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for employee benefits</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for fee and commission income and expense</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for Financial guarantees</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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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for financial 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_AccountingPolicyForFinancialInstrumentsPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for functional currency balance sheet</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_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for functional currency income statement</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_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForGoodwillPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for goodwill</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_AccountingPolicyForGoodwillPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForIncomeTaxPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for income tax</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_AccountingPolicyForIncomeTaxPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForInsuranceContractsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for insurance contracts</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_AccountingPolicyForInsuranceContractsPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for intangible assets and goodwill</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_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for intangible assets other than goodwill</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_AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for interest income and expense</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_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForLeasesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for leases</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_AccountingPolicyForLeasesPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>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</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_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for property plant and equipment</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_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForProvisionsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for 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_AccountingPolicyForProvisionsPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for recognising difference between fair value at initial recognition and amount determined using valuation technique</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_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for recognition of non financial services revenue</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_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for recognition of revenue and expenses</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_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock</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>dtr-types1:textBlockItemType</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_AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for share based payment transactions</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_AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for taxes other than income tax</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_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for termination 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_AccountingPolicyForTerminationBenefitsPolicyTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for Transfers and derecognition of 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_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AccountingPolicyForTreasurySharesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accounting policy for treasury 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_AccountingPolicyForTreasurySharesPolicyTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivatives hedge accounting and fair value changes of the hedged items in portfolio hedges of interest rate 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_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock</td>
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<td><strong> Data 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 );">- Definition</a><div><p>Disclosure of significant accounting policies</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_DisclosureOfSignificantAccountingPoliciesAbstract</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:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loss allowances on 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_LossAllowancesOnFinancialAssetsPolicyTextBlock</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360515021952">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 2 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract', window );"><strong>Principles Of Consoldiation, Acounting policies and measurement bases applied and recent IFRS pronouncements [Abstract]</strong></a></td>
<td class="text">&#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_DepreciationRatesForTangibleAssetsTableTextBlock', window );">Depreciation rates for tangible assets [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, and as an accounting policy option, tangible assets are recorded in the balance sheets under the cost model, i.e., at acquisition cost, less the related accumulated depreciation and, if applicable, the estimated impairment losses resulting from comparing the net book value of each item with its corresponding recoverable value (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 Group uses the straight-line method to calculate depreciation over the estimated useful life of the asset. The depreciation charge for tangible assets is recorded under "Depreciation and amortization" in the income statement (see Note 45) and is the result of using the following depreciation rates:</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%">General 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%">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><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;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><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><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><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Depreciation rates for 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">
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<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Principles Of Consoldiation, Acounting policies and measurement bases applied and recent IFRS pronouncements [Abstract]</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_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537629968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 3 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</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_BBVAGroupAbstract', window );"><strong>BBVA Group [Abstract]</strong></a></td>
<td class="text">&#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_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock', window );">Contribution to consolidated group total assets entities by main activities [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 information related to the Group&#8217;s total assets as of December 31, 2024, 2023 and 2022, 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%">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%">2023</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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">733,860</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%">737,971</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%">678,809</span></td></tr><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%">34,439</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,520</span></td><td colspan="3" style="border-left:1pt 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%">30,066</span></td></tr><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%">4,103</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,068</span></td><td colspan="3" style="border-left:1pt 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%">3,217</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%">772,402</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%">775,558</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%">712,092</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>BBVA Group [Abstract]</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Contribution to consolidated group total assets entities by main activities</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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360539732560">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 4 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ShareholderRemunerationSystemAbstract', window );"><strong>Shareholder Remuneration System [Abstract]</strong></a></td>
<td class="text">&#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_AvailableAmountForInterimDividendPaymentsTableTextBlock', window );">Available amount for interim dividend payments [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 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="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%">August 31, 2024</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%">6,854</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%">6,854</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%">1,671</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%">33,530</span></td></tr></table></div><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_AllocationOfEarningsTableTextBlock', window );">Allocation of earnings [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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 included a breakdown of the distribution of the Bank&#180;s earnings for financial year 2024, which the Board of Directors will submit to the Annual General Shareholders' 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%">2024</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit (loss) of BBVA, S.A. for the year</span></div></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%">10,235</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%">1,671</span></td></tr><tr><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%">2,363</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%">6,200</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allocation of earnings</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>Available amount for interim dividend payments</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shareholder Remuneration System [Abstract]</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533769424">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 5 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BasicAndDilutedEarningsPerShareTableTextBlock', window );">Basic and diluted earnings per share [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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="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%">2024</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%">2023</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#179;&#8318;</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: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%">10,054</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%">8,019</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%">6,358</span></td></tr><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 &#8317;&#185;&#8318;</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%">(388)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(345)</span></td><td colspan="3" style="border-left:1pt 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%">(313)</span></td></tr><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%">9,666</span></td><td colspan="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%">7,675</span></td><td colspan="3" style="border-left:1pt 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%">6,045</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-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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">9,666</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">7,675</span></td><td colspan="3" style="border-left:1pt 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-style:italic;font-weight:400;line-height:120%">6,045</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-style:italic;font-weight:400;line-height:120%">Profit (loss) from discontinued operations (net of non-controlling interests) (B)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">&#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-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-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:#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%">5,793</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%">5,988</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%">6,424</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%">(10)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(9)</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 &#8317;&#178;&#8318; </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%">(13)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(225)</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%">5,769</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%">5,954</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></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%">5,769</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%">5,954</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></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%">1.68</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%">1.29</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%">0.98</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%">1.68</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%">1.29</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%">0.98</span></td></tr><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%">1.68</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.29</span></td><td colspan="3" style="border-left:1pt 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%">0.98</span></td></tr><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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-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%">&#8212;</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%">&#8212;</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Remuneration in the year related to perpetual contingent convertible securities, recognized in equity (see Note 22.4).</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%">(2) For the calculation of earnings per share, the average number of shares in a year takes into account the redemptions made in such year related to the share buyback programs announced (see Note 4). </span></div>(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)<span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360539733088">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 6 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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>
<td class="text">&#160;<span></span>
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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_TotalGroupAssetsByOperatingSegmentsTableTextBlock', window );">Total Group assets by operating segments [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 and the Corporate Center as of December 31, 2024, 2023 and 2022 is as follows:</span></div><div style="margin-bottom: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: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%">2024</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%">2023 &#8317;&#185;&#8318;</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; &#8317;&#178;&#8318;</span></div></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%">417,752</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%">457,573</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%">427,049</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%">168,470</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%">173,489</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%">142,557</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%">82,782</span></td><td colspan="3" style="background-color:#ffffff;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%">68,329</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%">66,036</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%">73,997</span></td><td colspan="3" style="background-color:#ffffff;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%">64,779</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%">61,951</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%">66,534</span></td><td colspan="3" style="background-color:#ffffff;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%">64,274</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%">49,952</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%">809,536</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%">828,445</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%">747,545</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></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%">(37,134)</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%">(52,886)</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%">(35,453)</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%">772,402</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">775,558</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">712,092</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the years 2023 and 2022 were </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">revised, which has not affected t</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">he consolidated financial information of the Group.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Restated balances according to IFRS 17 - Insurance contracts, which had no material impacts as of that date (see &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 &#8211; Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8221;).</span></div><span></span>
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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_MainMarginsAndProfitByOperatingSegmentsTableTextBlock', window );">Main margins and profit by operating segments [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022:</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:25.906%"></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="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%">2024</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="padding:2px 1pt;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%">25,267</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%">6,435</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%">11,556</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%">1,492</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%">5,589</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%">741</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%">(546)</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%">35,481</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,490</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,337</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,212</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,405</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:8pt;font-weight:400;line-height:120%">1,458</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(421)</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%">15,405</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:8pt;font-weight:400;line-height:120%">5,309</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,522</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%">1,741</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%">1,342</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">634</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,142)</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"><div style="margin-bottom:0.1pt"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Attributable profit (loss)</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%">10,054</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,784</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,447</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">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%">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%">(924)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023 &#8317;&#178;&#8318;</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><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%">23,089</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,620</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,054</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:8pt;font-weight:400;line-height:120%">1,869</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,394</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:8pt;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:8pt;font-weight:400;line-height:120%">(386)</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%">29,542</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,888</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,267</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,981</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,331</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,103</span></td><td colspan="3" style="padding:2px 1pt;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></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%">12,419</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,897</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,329</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:8pt;font-weight:400;line-height:120%">1,324</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,189</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%">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:8pt;font-weight:400;line-height:120%">(1,809)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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 profit (loss) </span></div></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,019</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,720</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,319</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">527</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">601</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">396</span></td><td colspan="3" style="background-color:#5AC4C4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,544)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#178;&#8318; &#8317;&#179;&#8318; </span></div></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">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%">19,124</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,774</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,378</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,611</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,138</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;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:#000000;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;border-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%">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%">24,743</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%">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:8pt;font-weight:400;line-height:120%">10,734</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:8pt;font-weight:400;line-height:120%">3,172</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,265</span></td><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="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%">10,268</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:8pt;font-weight:400;line-height:120%">2,610</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:8pt;font-weight:400;line-height:120%">5,620</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,636</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,434</span></td><td colspan="3" style="padding:2px 1pt;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="background-color:#5AC4C4;border-top:1pt 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%">Attributable profit (loss) </span></div></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,358</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,667</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,131</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">505</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">738</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;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;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;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></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Adjustments include the impact of the purchase of offices in Spain in 2022 in the transaction with Merlin Properties (see Note 17).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the year 2023 have been revised, which has not affected the consolidated financial information of the Group.  </span></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Restated according to IFRS 17 - Insurance contracts, which had no material impacts for such period (see </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 Insurance contracts</span>&#8221;).<span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360536727312">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock', window );">Positive scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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 (positive base and negative scenarios) of the GDP growth, unemployment rate and House Price Index (HPI), for the most relevant countries where they represent a significant factor, provided by BBVA Research, were used for the calculation of the ECL as of December 31, 2024:</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;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"><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 geographical areas</span></div></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%">2024</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%">3.13 %</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%">10.97 %</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%">3.01 %</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%">1.25 %</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%">2.75 %</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%">4.57 %</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%">3.25 %</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%">8.79 %</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%">3.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.78 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.97 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.89 %</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%">5.02 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.17 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.98 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.87 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.03 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.38 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.27 %</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%">6.65 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.64 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.96 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.54 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.89 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.82 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.76 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.80 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.05 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.21 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.69 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.12 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.81 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.96 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.81 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.52 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.46 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.96 %</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:#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:#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%">2024</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%">3.12 %</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%">6.59 %</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%">(3.66) %</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%">10.37 %</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%">2.16 %</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%">10.20 %</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%">3.45 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.37 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.09 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.07 %</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%">4.15 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.44 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.83 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.13 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.68 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.72 %</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%">4.12 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.31 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.54 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.92 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.11 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.20 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.60 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.05 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.21 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.55 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.57 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.12 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.44 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.50 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.22 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.95 %</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 estimate for the next five years of the following rates, used in the measurement of the expected loss as of December 31, 2023, 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;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"><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 geographical areas</span></div></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: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:#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;text-align:center;text-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 #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: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="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%">2.52 %</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%">11.84 %</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%">(1.61) %</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%">3.62 %</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%">2.80 %</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%">5.44 %</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%">5.54 %</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%">9.31 %</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%">2.12 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.32 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.89 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.79 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.11 %</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:8pt;font-weight:400;line-height:120%">4.98 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.11 %</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:8pt;font-weight:400;line-height:120%">8.82 %</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%">2.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.96 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.68 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.07 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.33 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.86 %</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%">2.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.81 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.11 %</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:8pt;font-weight:400;line-height:120%">2.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.14 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.92 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.68 %</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%">2.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.22 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.14 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.76 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.99 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.20 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.95 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.13 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.87 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.09 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.01 %</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;text-align:center;text-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%">2023</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%">0.33 %</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%">6.85 %</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%">(1.82) %</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%">8.05 %</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%">1.59 %</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%">10.06 %</span></td></tr><tr><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%">4.57 %</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:8pt;font-weight:400;line-height:120%">6.63 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.46 %</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:8pt;font-weight:400;line-height:120%">2.80 %</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:8pt;font-weight:400;line-height:120%">10.99 %</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: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%">4.22 %</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:8pt;font-weight:400;line-height:120%">6.54 %</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:8pt;font-weight:400;line-height:120%">6.93 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.59 %</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:8pt;font-weight:400;line-height:120%">11.27 %</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: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%">2.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.13 %</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:8pt;font-weight:400;line-height:120%">8.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.03 %</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:8pt;font-weight:400;line-height:120%">11.03 %</span></td></tr><tr><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%">2.72 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.32 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.11 %</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:8pt;font-weight:400;line-height:120%">7.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.24 %</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:8pt;font-weight:400;line-height:120%">10.35 %</span></td></tr><tr><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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.28 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.13 %</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:8pt;font-weight:400;line-height:120%">6.11 %</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:8pt;font-weight:400;line-height:120%">3.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.90 %</span></td></tr></table></div><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_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock', window );">Base scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block]</a></td>
<td class="text"><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 geographical areas</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%">2024</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%">3.09 %</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%">11.43 %</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%">2.99 %</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%">1.24 %</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%">2.75 %</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%">4.57 %</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%">3.18 %</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%">8.80 %</span></td></tr><tr><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%">2.29 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.75 %</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:8pt;font-weight:400;line-height:120%">4.32 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.13 %</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:8pt;font-weight:400;line-height:120%">4.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.46 %</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: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%">1.69 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.99 %</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:8pt;font-weight:400;line-height:120%">1.64 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.52 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.73 %</span></td></tr><tr><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%">1.86 %</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:8pt;font-weight:400;line-height:120%">9.95 %</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:8pt;font-weight:400;line-height:120%">2.24 %</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:8pt;font-weight:400;line-height:120%">1.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.17 %</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:8pt;font-weight:400;line-height:120%">4.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.18 %</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:8pt;font-weight:400;line-height:120%">10.58 %</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:8pt;font-weight:400;line-height:120%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.80 %</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:8pt;font-weight:400;line-height:120%">9.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.61 %</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:8pt;font-weight:400;line-height:120%">1.87 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.08 %</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:8pt;font-weight:400;line-height:120%">4.36 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.11 %</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:8pt;font-weight:400;line-height:120%">10.52 %</span></td></tr><tr><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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.80 %</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:8pt;font-weight:400;line-height:120%">9.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.87 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.01 %</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:8pt;font-weight:400;line-height:120%">10.51 %</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%">2024</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%">3.10 %</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%">6.59 %</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%">(3.76) %</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%">10.38 %</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%">1.96 %</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%">10.20 %</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%">2.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.59 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.80 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.49 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.34 %</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%">2.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.57 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.47 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.19 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.26 %</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%">2.75 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.52 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.92 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.81 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.45 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.47 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.54 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.96 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.36 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.99 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.86 %</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:6.295%"></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 geographical areas</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%">2023</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%">2.36 %</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:8pt;font-weight:400;line-height:120%">12.13 %</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%">(1.93) %</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%">3.40 %</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%">2.82 %</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%">5.47 %</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%">4.46 %</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%">9.63 %</span></td></tr><tr><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%">1.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.80 %</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:8pt;font-weight:400;line-height:120%">(0.92) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.91 %</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:8pt;font-weight:400;line-height:120%">3.27 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.90 %</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:8pt;font-weight:400;line-height:120%">3.50 %</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:8pt;font-weight:400;line-height:120%">10.28 %</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: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%">2.47 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.20 %</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:8pt;font-weight:400;line-height:120%">1.94 %</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:8pt;font-weight:400;line-height:120%">2.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.24 %</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:8pt;font-weight:400;line-height:120%">3.54 %</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:8pt;font-weight:400;line-height:120%">10.85 %</span></td></tr><tr><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%">2.53 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.40 %</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:8pt;font-weight:400;line-height:120%">1.74 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.60 %</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:8pt;font-weight:400;line-height:120%">3.18 %</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:8pt;font-weight:400;line-height:120%">4.14 %</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:8pt;font-weight:400;line-height:120%">3.79 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.05 %</span></td></tr><tr><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%">2.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.63 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.69 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.74 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.11 %</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:8pt;font-weight:400;line-height:120%">4.18 %</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:8pt;font-weight:400;line-height:120%">3.46 %</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:8pt;font-weight:400;line-height:120%">11.15 %</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:8pt;font-weight:400;line-height:120%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.13 %</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:8pt;font-weight:400;line-height:120%">8.98 %</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:8pt;font-weight:400;line-height:120%">1.43 %</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:8pt;font-weight:400;line-height:120%">2.83 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.99 %</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:8pt;font-weight:400;line-height:120%">5.07 %</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:8pt;font-weight:400;line-height:120%">3.46 %</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:8pt;font-weight:400;line-height:120%">11.20 %</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%">2023</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%">(0.36) %</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%">6.88 %</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%">(3.01) %</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%">8.28 %</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%">1.24 %</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%">10.11 %</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: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%">1.99 %</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:8pt;font-weight:400;line-height:120%">6.82 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4.04) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.47 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.25 %</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: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%">3.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.95 %</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:8pt;font-weight:400;line-height:120%">10.15 %</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:8pt;font-weight:400;line-height:120%">2.33 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.56 %</span></td></tr><tr><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%">2.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.55 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.03 %</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:8pt;font-weight:400;line-height:120%">8.95 %</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:8pt;font-weight:400;line-height:120%">3.03 %</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:8pt;font-weight:400;line-height:120%">11.32 %</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: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%">2.72 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.50 %</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:8pt;font-weight:400;line-height:120%">1.98 %</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:8pt;font-weight:400;line-height:120%">7.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.24 %</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:8pt;font-weight:400;line-height:120%">10.60 %</span></td></tr><tr><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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.46 %</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:8pt;font-weight:400;line-height:120%">2.00 %</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%">6.60 %</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:8pt;font-weight:400;line-height:120%">3.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.09 %</span></td></tr></table></div><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_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock', window );">Negative scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block]</a></td>
<td class="text"><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 geographical areas</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%">2024</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%">3.05 %</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%">11.88 %</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%">2.97 %</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%">1.20 %</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%">2.75 %</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%">4.56 %</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%">3.13 %</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%">8.80 %</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%">1.18 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.71 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.15 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.16) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.20 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.86 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.79 %</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%">(1.30) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.50 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.53) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.20) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.43 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.07 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.59 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.71 %</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%">(2.50) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.24 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.81) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.14 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.41 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.76 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.37 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.83 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.11) %</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:8pt;font-weight:400;line-height:120%">11.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.87) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.40 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.72 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.21 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.67 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.86) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.53 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.55) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.32 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.79 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.18 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.47 %</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%">2024</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%">2.92 %</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%">6.60 %</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%">(3.93) %</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%">10.38 %</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%">1.77 %</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%">10.21 %</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%">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%">0.56 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.46 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.02 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.68 %</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%">0.43 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.60) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.10 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.93 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.04 %</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%">0.63 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.90 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.79) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.35 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.16 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.81 %</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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.46 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.93 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.53) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.36 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.49 %</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%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.95 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.41) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.44 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.09 %</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:99.739%"><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 geographical areas</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: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%">2023</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%">2.21 %</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%">12.40 %</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%">(2.28) %</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%">3.20 %</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%">2.85 %</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%">5.49 %</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%">3.37 %</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%">9.94 %</span></td></tr><tr><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%">0.86 %</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:8pt;font-weight:400;line-height:120%">13.23 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.54) %</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:8pt;font-weight:400;line-height:120%">2.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.45 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.33) %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.73 %</span></td></tr><tr><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%">2.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.00 %</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%">2.13 %</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:8pt;font-weight:400;line-height:120%">3.43 %</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:8pt;font-weight:400;line-height:120%">4.03 %</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:8pt;font-weight:400;line-height:120%">2.58 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.92 %</span></td></tr><tr><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%">2.48 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.98 %</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:8pt;font-weight:400;line-height:120%">1.22 %</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:8pt;font-weight:400;line-height:120%">2.53 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.33 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.00 %</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%">3.71 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.43 %</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: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%">2.30 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.34 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.93 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.70 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.25 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.18 %</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:8pt;font-weight:400;line-height:120%">3.39 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.32 %</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:8pt;font-weight:400;line-height:120%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.09 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.57 %</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:8pt;font-weight:400;line-height:120%">0.67 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.79 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.13 %</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:8pt;font-weight:400;line-height:120%">5.07 %</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:8pt;font-weight:400;line-height:120%">3.39 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.36 %</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%">2023</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%">(1.04) %</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%">6.91 %</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%">(4.16) %</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%">8.49 %</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%">0.87 %</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%">10.15 %</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: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%">(0.60) %</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:8pt;font-weight:400;line-height:120%">7.03 %</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:8pt;font-weight:400;line-height:120%">(8.75) %</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:8pt;font-weight:400;line-height:120%">11.46 %</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:8pt;font-weight:400;line-height:120%">0.15 %</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:8pt;font-weight:400;line-height:120%">11.51 %</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: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%">2.73 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.02 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.04 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.03 %</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:8pt;font-weight:400;line-height:120%">11.84 %</span></td></tr><tr><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%">2.88 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.77 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.92 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.54 %</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:8pt;font-weight:400;line-height:120%">3.03 %</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:8pt;font-weight:400;line-height:120%">11.59 %</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: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%">2.72 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.71 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.82 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.17 %</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:8pt;font-weight:400;line-height:120%">3.24 %</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:8pt;font-weight:400;line-height:120%">10.90 %</span></td></tr><tr><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%">2028</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.51 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.66 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.85 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.08 %</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:8pt;font-weight:400;line-height:120%">3.42 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.29 %</span></td></tr></table></div><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_ExpectedLossVariationAsOfDecemberTableTextBlock', window );">Expected loss variation as of december [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024</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: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%">Total Portfolio</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:5pt;font-weight:700;line-height:120%">Retail</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:5pt;font-weight:700;line-height:120%">Companies</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:5pt;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;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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">153</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">135</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">74</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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 #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">72</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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 #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-left:1pt solid #FFFFFF;border-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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(170)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(145)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(89)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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="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="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:bottom"><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="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="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="background-color:#dbdbdb;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:6pt;font-weight:400;line-height:120%">(27)</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="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, 2023</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: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%">Total Portfolio</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:5pt;font-weight:700;line-height:120%">Retail</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:5pt;font-weight:700;line-height:120%">Companies</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:5pt;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;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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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:5pt;font-weight:700;line-height:120%">Retail</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: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: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%">Companies</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: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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">222</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">188</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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 #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">94</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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 #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">92</span></td><td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"><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="border-left:1pt solid #FFFFFF;border-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:bottom"><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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(165)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(89)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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:center;vertical-align:bottom"><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="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="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:bottom"><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="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="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="background-color:#dbdbdb;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:6pt;font-weight:400;line-height:120%">(32)</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="background-color:#dbdbdb;padding:0 1pt"></td></tr></table></div><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_MaximumCreditRiskExposureTableTextBlock', window );">Maximum credit risk exposure [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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 credit risk exposure by headings in the consolidated balance sheets as of December 31, 2024, 2023 and 2022 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 category of financial instruments:</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: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 2024</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%">72,945</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%">6,760</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%">27,955</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%">38,230</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%">10,546</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%">9,782</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%">407</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%">358</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%">836</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%">53,229</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%">59,115</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%">1,451</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%">57,639</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">55,315</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,309</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">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%">&#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></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%">514,086</span></td><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%">467,910</span></td><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%">31,930</span></td><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%">14,246</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%">59,070</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%">58,887</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%">149</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%">34</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">8,261</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%">8,261</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%">&#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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">22,668</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,658</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">424,087</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%">378,104</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%">31,772</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,211</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%">710,757</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%">262,233</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%">253,291</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%">8,150</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%">791</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%">188,515</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%">182,830</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%">5,524</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%">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: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%">22,503</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21,513</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">798</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">192</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">51,215</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,948</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:7pt;font-weight:400;line-height:120%">1,828</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">439</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%">972,990</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: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: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/>2023</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%">106,749</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%">4,589</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%">28,569</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%">73,590</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%">8,737</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%">7,963</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%">484</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%">290</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%">955</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%">48,747</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%">62,289</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%">1,217</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%">61,047</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60,255</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:7pt;font-weight:400;line-height:120%">771</span></td><td colspan="3" style="padding:2px 1pt;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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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:7pt;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: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></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%">463,130</span></td><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%">410,590</span></td><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%">38,061</span></td><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%">14,478</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%">49,544</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%">49,403</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%">108</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%">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%">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%">7,176</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%">7,176</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%">&#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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">17,498</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,478</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">388,912</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">336,533</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,935</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%">14,444</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%">690,606</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%">214,283</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%">204,842</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%">8,411</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%">1,030</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%">152,868</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%">147,376</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%">5,326</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%">165</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">18,839</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:7pt;font-weight:400;line-height:120%">17,612</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">998</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">229</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">42,577</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,854</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,087</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%">636</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%">904,889</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 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%">December 2022 &#8317;&#185;&#8318;</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%">70,763</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%">4,404</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%">24,367</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%">41,993</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%">6,888</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%">6,511</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%">129</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%">247</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%">913</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%">53,101</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%">65,497</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%">1,198</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%">64,273</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63,425</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">822</span></td><td colspan="3" style="padding:2px 1pt;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</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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:7pt;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: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></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%">425,803</span></td><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%">378,407</span></td><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%">33,873</span></td><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%">13,523</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%">36,730</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%">36,463</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%">237</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%">30</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">4,420</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,420</span></td><td colspan="3" style="padding:2px 1pt;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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">16,066</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:7pt;font-weight:400;line-height:120%">15,997</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;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: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%">368,588</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">321,528</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:7pt;font-weight:400;line-height:120%">33,568</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,493</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%">622,965</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%">192,568</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%">181,427</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%">9,993</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%">1,147</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%">136,920</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%">130,459</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%">6,283</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%">177</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">16,511</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,214</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:7pt;font-weight:400;line-height:120%">1,015</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">281</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">39,137</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%">35,753</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,695</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:7pt;font-weight:400;line-height:120%">689</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%">815,533</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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock', window );">Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 stage 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, 2024, 2023 and 2022 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 2024 (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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">232,185</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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">208,969</span></td><td colspan="3" style="border-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%">15,637</span></td><td colspan="3" style="border-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%">7,579</span></td><td colspan="3" style="border-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%">(4,684)</span></td><td colspan="3" style="border-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%">(543)</span></td><td colspan="3" style="border-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%">(631)</span></td><td colspan="3" style="border-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%">(3,510)</span></td><td colspan="3" style="border-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%">227,501</span></td><td colspan="3" style="border-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%">208,426</span></td><td colspan="3" style="border-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%">15,006</span></td><td colspan="3" style="border-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%">4,069</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">91,717</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83,053</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%">6,147</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,517</span></td><td colspan="3" style="padding:2px 1pt;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%">(1,210)</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%">(542)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,303)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88,662</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%">81,843</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%">5,605</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,214</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%">50,083</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,708</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,534</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,841</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%">(1,784)</span></td><td colspan="3" style="padding:2px 1pt;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%">(390)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,151)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,299</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:7pt;font-weight:400;line-height:120%">42,465</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,144</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">690</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%">48,897</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,204</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%">4,431</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%">2,262</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,079)</span></td><td colspan="3" style="padding:2px 1pt;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%">(283)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,403)</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%">46,818</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%">41,811</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,148</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">860</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">1,205</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%">1,170</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">(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: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%">(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%">1,197</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,170</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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></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%">424,087</span></td><td colspan="3" 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%">378,104</span></td><td colspan="3" 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%">31,772</span></td><td colspan="3" 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%">14,211</span></td><td colspan="3" 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%">(11,611)</span></td><td colspan="3" 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%">(2,389)</span></td><td colspan="3" 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%">(1,847)</span></td><td colspan="3" 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%">(7,374)</span></td><td colspan="3" 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%">412,477</span></td><td colspan="3" 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%">375,715</span></td><td colspan="3" 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%">29,925</span></td><td colspan="3" 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%">6,837</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%">(1,532)</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%">(13)</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%">(321)</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%">(1,197)</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%">(10,079)</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%">(2,376)</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%">(1,526)</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%">(6,177)</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%">(1) Spain includes all countries where BBVA, S.A. operates.</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%">(2) Turkey includes all countries in which Garanti BBVA operates.</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%">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</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%">(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, 2024, the remaining balance was &#8364;107 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize. </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 2023 (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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">214,522</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%">183,503</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%">22,953</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%">8,066</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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,593)</span></td><td colspan="3" style="border-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%">(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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(714)</span></td><td colspan="3" style="border-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%">(3,375)</span></td><td colspan="3" style="border-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%">209,929</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%">183,000</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%">22,239</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%">4,690</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">91,086</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:7pt;font-weight:400;line-height:120%">81,619</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,995</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,472</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,049)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,097)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(620)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,332)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88,037</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80,522</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:7pt;font-weight:400;line-height:120%">6,375</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%">1,140</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%">39,058</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,105</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,234</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%">1,719</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,641)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(167)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">(1,160)</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%">37,416</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,938</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%">2,920</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559</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%">43,151</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36,237</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,738</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,176</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%">(1,976)</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%">(319)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">(1,280)</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:7pt;font-weight:400;line-height:120%">41,175</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35,918</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,362</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">896</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">1,094</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,069</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">(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%">(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%">(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%">1,085</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,068</span></td><td colspan="3" style="padding:2px 1pt;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</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%">388,912</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:7pt;font-weight:700;line-height:120%">336,533</span></td><td colspan="3" 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%">37,935</span></td><td colspan="3" 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%">14,444</span></td><td colspan="3" 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%">(11,269)</span></td><td colspan="3" 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%">(2,087)</span></td><td colspan="3" 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%">(2,026)</span></td><td colspan="3" 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%">(7,156)</span></td><td colspan="3" 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%">377,643</span></td><td colspan="3" 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%">334,446</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:7pt;font-weight:700;line-height:120%">35,909</span></td><td colspan="3" 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%">7,287</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%">(1,665)</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%">(15)</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%">(471)</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%">(1,179)</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%">(9,604)</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%">(2,072)</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%">(1,555)</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%">(5,977)</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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Spain includes all countries where BBVA, S.A. operates.</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%">(2) Turkey includes all countries in which Garanti BBVA operates.</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%">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</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%">(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, 2023 the remaining balance was &#8364;142 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize.</span></div><div style="text-align:justify"><span><br/></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: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;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:7pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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 &#8317;&#178;&#8318;</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%">214,066</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%">186,977</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%">19,621</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%">7,468</span></td><td colspan="3" style="border-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%">(4,860)</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%">(518)</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%">(759)</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%">(3,583)</span></td><td colspan="3" style="border-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%">209,206</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%">186,459</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%">18,862</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%">3,885</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">73,729</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:7pt;font-weight:400;line-height:120%">66,448</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,342</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,939</span></td><td colspan="3" style="padding:2px 1pt;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%">(955)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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:7pt;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:7pt;font-weight:400;line-height:120%">71,233</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:7pt;font-weight:400;line-height:120%">65,494</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,866</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">873</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 &#8317;&#179;&#8318;</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%">39,547</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,755</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:7pt;font-weight:400;line-height:120%">4,436</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,356</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:7pt;font-weight:400;line-height:120%">(2,105)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(224)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(358)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,523)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,443</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,531</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:7pt;font-weight:400;line-height:120%">4,078</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">833</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 &#8317;&#8308;&#8318;</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%">40,199</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,312</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:7pt;font-weight:400;line-height:120%">4,166</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%">1,721</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,768)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(318)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(345)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,105)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38,431</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%">33,994</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%">3,821</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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%">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%">1,047</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,035</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">&#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%">(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%">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%">1,035</span></td><td colspan="3" style="padding:2px 1pt;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%">2</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 &#8317;&#8309;&#8318;</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%">368,588</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%">321,528</span></td><td colspan="3" 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%">33,568</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:7pt;font-weight:700;line-height:120%">13,493</span></td><td colspan="3" 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%">(11,237)</span></td><td colspan="3" 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%">(2,014)</span></td><td colspan="3" 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%">(1,938)</span></td><td colspan="3" 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%">(7,284)</span></td><td colspan="3" 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%">357,351</span></td><td colspan="3" 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%">319,513</span></td><td colspan="3" 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%">31,629</span></td><td colspan="3" 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%">6,208</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%">(2,164)</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:7pt;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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(604)</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%">(1,539)</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%">(9,073)</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%">(1,994)</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%">(1,334)</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%">(5,745)</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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Spain includes all countries where BBVA, S.A. operates.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Turkey includes all countries in which Garanti BBVA operates.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4)  In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(5) 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.</span></div><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_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock', window );">Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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 2024 (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: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%">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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">22,133</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%">21,982</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%">125</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%">26</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%">(23)</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%">(8)</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%">(7)</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%">(8)</span></td><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%">22,111</span></td><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%">21,974</span></td><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%">118</span></td><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</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">17,524</span></td><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%">17,040</span></td><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%">471</span></td><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%">12</span></td><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%">(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:7pt;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:#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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">17,497</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,027</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;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: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%">197,521</span></td><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%">179,727</span></td><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%">12,780</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:7pt;font-weight:400;line-height:120%">5,014</span></td><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%">(4,134)</span></td><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%">(639)</span></td><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%">(636)</span></td><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%">(2,859)</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%">193,386</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%">179,087</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%">12,143</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%">2,156</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">186,910</span></td><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%">159,355</span></td><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%">18,396</span></td><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%">9,158</span></td><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%">(7,427)</span></td><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%">(1,729)</span></td><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%">(1,199)</span></td><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%">(4,499)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">179,483</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">157,627</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,197</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,659</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%">424,087</span></td><td colspan="3" 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%">378,104</span></td><td colspan="3" 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%">31,772</span></td><td colspan="3" 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%">14,211</span></td><td colspan="3" 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%">(11,611)</span></td><td colspan="3" 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%">(2,389)</span></td><td colspan="3" 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%">(1,847)</span></td><td colspan="3" 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%">(7,374)</span></td><td colspan="3" 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%">412,477</span></td><td colspan="3" 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%">375,715</span></td><td colspan="3" 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%">29,925</span></td><td colspan="3" 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%">6,837</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;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%">December 2023 (Millions of Euros)</span></div></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: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%">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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">23,294</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%">23,105</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%">164</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%">25</span></td><td colspan="3" style="border-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)</span></td><td colspan="3" style="border-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%">(9)</span></td><td colspan="3" style="border-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%">(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%">(7)</span></td><td colspan="3" style="border-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%">23,265</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%">23,096</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%">152</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%">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: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%">13,271</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:7pt;font-weight:400;line-height:120%">13,072</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">(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%">(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: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%">(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%">13,251</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,062</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">175,337</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">154,519</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,299</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:7pt;font-weight:400;line-height:120%">5,520</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%">(4,274)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(517)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(795)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,962)</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:7pt;font-weight:400;line-height:120%">171,063</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:7pt;font-weight:400;line-height:120%">154,002</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,503</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,558</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">177,009</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%">145,837</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,286</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%">8,886</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%">(6,946)</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%">(1,552)</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:7pt;font-weight:400;line-height:120%">(1,214)</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:7pt;font-weight:400;line-height:120%">(4,180)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">170,063</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:7pt;font-weight:400;line-height:120%">144,285</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21,071</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,706</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%">388,912</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:7pt;font-weight:700;line-height:120%">336,533</span></td><td colspan="3" 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%">37,935</span></td><td colspan="3" 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%">14,444</span></td><td colspan="3" 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%">(11,269)</span></td><td colspan="3" 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%">(2,087)</span></td><td colspan="3" 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%">(2,026)</span></td><td colspan="3" 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%">(7,156)</span></td><td colspan="3" 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%">377,643</span></td><td colspan="3" 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%">334,446</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:7pt;font-weight:700;line-height:120%">35,909</span></td><td colspan="3" 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%">7,287</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;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%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></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: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%">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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;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%">20,922</span></td><td colspan="3" style="border-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%">20,582</span></td><td colspan="3" style="border-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%">302</span></td><td colspan="3" style="border-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%">38</span></td><td colspan="3" style="border-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%">(30)</span></td><td colspan="3" style="border-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%">(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:7pt;font-weight:400;line-height:120%">(11)</span></td><td colspan="3" style="border-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)</span></td><td colspan="3" style="border-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%">20,892</span></td><td colspan="3" style="border-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%">20,574</span></td><td colspan="3" style="border-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%">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:'Arial',sans-serif;font-size:7pt;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: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%">12,802</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,548</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">238</span></td><td colspan="3" style="padding:2px 1pt;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%">(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%">(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%">(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%">12,765</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,533</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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></tr><tr><td colspan="3" style="padding:2px 1pt;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%">170,929</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">149,501</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,087</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%">6,340</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,495)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">(991)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,829)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">165,433</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">148,826</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,096</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,511</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">163,936</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">138,896</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:7pt;font-weight:400;line-height:120%">17,941</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,098</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,675)</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:7pt;font-weight:400;line-height:120%">(1,316)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,434)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">158,261</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%">137,580</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%">17,017</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%">3,663</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%">368,588</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%">321,528</span></td><td colspan="3" 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%">33,568</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:7pt;font-weight:700;line-height:120%">13,493</span></td><td colspan="3" 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%">(11,237)</span></td><td colspan="3" 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%">(2,014)</span></td><td colspan="3" 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%">(1,938)</span></td><td colspan="3" 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%">(7,284)</span></td><td colspan="3" 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%">357,351</span></td><td colspan="3" 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%">319,513</span></td><td colspan="3" 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%">31,629</span></td><td colspan="3" 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%">6,208</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock', window );">Loans and advances breakdown by counterparty and product [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 type of counterparty and product, net of loss allowances, and the gross carrying amount by type of counterparty as of December 31, 2024, 2023 and 2022 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 2024 (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%">&#8212;</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%">8</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%">&#8212;</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%">59</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%">3,140</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%">2,099</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%">5,307</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%">5,521</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:#ffffff;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:bottom"><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:bottom"><span 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:bottom"><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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2,268</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%">25,449</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%">27,721</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%">29,669</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%">1,077</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%">71</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%">1,244</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%">29,247</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%">125</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%">31,764</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%">32,023</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%">&#8212;</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%">171</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%">&#8212;</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%">11</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%">9,672</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%">270</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%">10,125</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%">10,364</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%">&#8212;</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%">219</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%">9,157</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%">44</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%">&#8212;</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%">&#8212;</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%">9,420</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%">9,422</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%">7,803</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%">20,519</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%">7,529</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%">11,771</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%">148,167</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%">151,313</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%">347,102</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%">356,002</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%">452</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%">117</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%">5,960</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%">4,365</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%">1,084</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%">353</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%">12,330</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%">12,397</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%">8,255</span></td><td colspan="3" 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%">22,111</span></td><td colspan="3" 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%">22,719</span></td><td colspan="3" 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%">17,497</span></td><td colspan="3" 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%">193,579</span></td><td colspan="3" 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%">179,610</span></td><td colspan="3" 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%">443,769</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:6pt;font-weight:700;line-height:120%">455,399</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%">245</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%">&#8212;</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%">680</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%">29,307</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%">97,627</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%">127,860</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%">130,633</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%">&#8212;</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%">6,059</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%">9,628</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%">530</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%">10,996</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%">2,648</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%">29,861</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%">30,129</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%">67,446</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%">67,446</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%">72,447</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%">98,570</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%">98,570</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%">100,218</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%">6,669</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%">6,669</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%">6,901</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 2023 (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%">&#8212;</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%">6</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%">&#8212;</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%">73</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%">1,933</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%">1,028</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%">3,040</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%">3,175</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:6pt;font-weight:400;line-height:120%">Credit card debt</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">1</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">2</span></td><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%">1,927</span></td><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%">20,959</span></td><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%">22,890</span></td><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%">24,454</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%">960</span></td><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%">76</span></td><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%">586</span></td><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%">23,462</span></td><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%">88</span></td><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%">25,171</span></td><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%">25,346</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%">&#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:6pt;font-weight:400;line-height:120%">225</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">12</span></td><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%">8,940</span></td><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%">285</span></td><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%">9,463</span></td><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%">9,714</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%">1,345</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">5,786</span></td><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%">92</span></td><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%">&#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:6pt;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:6pt;font-weight:400;line-height:120%">7,223</span></td><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%">7,234</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%">4,878</span></td><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%">21,662</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:6pt;font-weight:400;line-height:120%">5,329</span></td><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%">9,300</span></td><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%">134,024</span></td><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%">147,491</span></td><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%">322,683</span></td><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%">331,813</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%">927</span></td><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%">412</span></td><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%">6,312</span></td><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%">3,186</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:6pt;font-weight:400;line-height:120%">956</span></td><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%">324</span></td><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%">12,116</span></td><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%">12,164</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;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">7,151</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">23,265</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">17,502</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">13,251</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">171,241</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">170,175</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">402,586</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #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%">413,901</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;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">271</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: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:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">526</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:6pt;font-style:italic;font-weight:400;line-height:120%">24,829</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:6pt;font-style:italic;font-weight:400;line-height:120%">96,772</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:6pt;font-style:italic;font-weight:400;line-height:120%">122,397</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:6pt;font-style:italic;font-weight:400;line-height:120%">125,328</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">1,347</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:6pt;font-style:italic;font-weight:400;line-height:120%">6,933</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:6pt;font-style:italic;font-weight:400;line-height:120%">4,558</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:6pt;font-style:italic;font-weight:400;line-height:120%">465</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:6pt;font-style:italic;font-weight:400;line-height:120%">10,938</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:6pt;font-style:italic;font-weight:400;line-height:120%">2,430</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:6pt;font-style:italic;font-weight:400;line-height:120%">26,671</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:6pt;font-style:italic;font-weight:400;line-height:120%">26,963</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">59,892</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:6pt;font-style:italic;font-weight:400;line-height:120%">59,892</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:6pt;font-style:italic;font-weight:400;line-height:120%">64,303</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">97,555</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:6pt;font-style:italic;font-weight:400;line-height:120%">97,555</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:6pt;font-style:italic;font-weight:400;line-height:120%">99,224</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">7,181</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:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">7,181</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:6pt;font-style:italic;font-weight:400;line-height:120%">7,743</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;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:6pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></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%">&#8212;</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%">6</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%">&#8212;</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%">352</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%">2,810</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%">933</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%">4,101</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%">4,266</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%">Credit card debt</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">1</span></td><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%">&#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:6pt;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:6pt;font-weight:400;line-height:120%">2,029</span></td><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%">16,865</span></td><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%">18,898</span></td><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%">19,985</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%">1,021</span></td><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%">24</span></td><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%">370</span></td><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%">24,510</span></td><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%">85</span></td><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%">26,011</span></td><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%">26,254</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%">&#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:6pt;font-weight:400;line-height:120%">195</span></td><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%">&#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:6pt;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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8,040</span></td><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%">322</span></td><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%">8,571</span></td><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%">8,857</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%">302</span></td><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%">&#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:6pt;font-weight:400;line-height:120%">5,251</span></td><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%">102</span></td><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%">&#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:6pt;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:6pt;font-weight:400;line-height:120%">5,655</span></td><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%">5,674</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%">3,802</span></td><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%">19,438</span></td><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%">4,009</span></td><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%">7,995</span></td><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%">126,949</span></td><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%">139,925</span></td><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%">302,118</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:6pt;font-weight:400;line-height:120%">311,553</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%">296</span></td><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%">232</span></td><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%">6,772</span></td><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%">3,930</span></td><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%">1,256</span></td><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%">217</span></td><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%">12,702</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:6pt;font-weight:400;line-height:120%">12,758</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%">4,401</span></td><td colspan="3" 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%">20,892</span></td><td colspan="3" 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%">16,057</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:6pt;font-weight:700;line-height:120%">12,765</span></td><td colspan="3" 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%">165,593</span></td><td colspan="3" 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%">158,348</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:6pt;font-weight:700;line-height:120%">378,056</span></td><td colspan="3" 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%">389,347</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%">297</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%">&#8212;</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%">337</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%">23,970</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%">95,056</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%">119,659</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%">122,719</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%">498</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%">5,382</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%">5,073</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%">548</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%">6,635</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%">2,209</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%">20,345</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%">20,675</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%">51,344</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%">51,344</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%">54,718</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%">95,249</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%">95,249</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%">96,716</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%">7,942</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%">7,942</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%">8,530</span></td></tr></table></div><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock', window );">Impaired loans and advances at amortized cost covered by collateral [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 7.2.5), shown by type of collateral, as of December 31, 2024, 2023 and 2022, 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 2024</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%">14,213</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%">2,889</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%">573</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%">8</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%">91</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%">1,153</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 2023</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,446</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,167</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">91</span></td><td colspan="3" style="border-left:1pt 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%">1,226</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 2022</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%">13,493</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%">2,537</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%">849</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%">3</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%">52</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%">984</span></td></tr></table></div><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_GuaranteesReceivedTableTextBlock', window );">Guarantees Received [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 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:99.893%"><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%">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%">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%">2022</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%">144,844</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%">136,141</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%">125,963</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%">11,318</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%">14,274</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%">12,826</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%">3,562</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%">4,035</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%">3,440</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%">56,589</span></td><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%">53,462</span></td><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%">40,050</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%">4,273</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%">4,864</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%">4,963</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%">1,153</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:8pt;font-style:italic;font-weight:400;line-height:120%">1,226</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%">984</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%">201,433</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">189,602</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">166,013</span></td></tr></table></div><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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock', window );">Probability of default of loans and advances to customers and contingent risk and commitments [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:2pt;margin-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 outlines the distribution of the gross carrying amount of loans and advances to customers, contingent risk and commitments, in percentage terms, of the BBVA Group, based on their probability of default within 12 months and internal rating &#160;&#160;&#160;&#160;used in the calculation of the expected loss under IFRS 9, and their stages, as of December 31, 2024, 2023 and 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:12.151%"></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: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:11.380%"></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:11.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.385%"></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%">Probability of default (basis points) and internal rating</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: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%">2024</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%">2023</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;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%">2022 &#8317;&#185;&#8318;</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-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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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 #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subject to lifetime ECL (stage 2)</span></div></td></tr><tr><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-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Internal rating</span></div></td><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:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">PDs</span></div></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></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:#072146;font-family:'Arial',sans-serif;font-size:8pt;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 #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%">%</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%">AAA</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%">0 to 2</span></td><td colspan="2" style="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%">3.2&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">3.8&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">&#8212;&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">5.5&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="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%">0.1&#160;</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">AA+ to AA-</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%">2 to 5</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%">9.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">10.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">19.4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.3&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">A+ to A-</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%">5 to 11</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%">17.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">25.4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">19.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">BBB+ to BBB-</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%">11 to 39</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%">29.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">21.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.3&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">18.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">BB+ to BB-</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%">39 to 194</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%">23.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">20.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">2.1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">18.4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">B+ to B-</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%">194 to 1,061</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%">10.2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">8.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">2.2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">9.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">2.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">CCC+ to CCC-</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%">1,061 to 2,121</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%">1.2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">1.0&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">CC+ to C</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%">&gt; 2,121</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%">0.7&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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%">0.8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">94.5</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">5.5</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">92.4</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">7.6</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">92.3</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 #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">7.7</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 #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Data corresponding to the year 2022, does not include commitments nor contingent liabilities.</span></div><span></span>
</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_ImpairedSecuredLoansRisksTableTextBlock', window );">Impaired secured loans risks [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 type of counterparty, including their respective gross carrying amount, impaired amount and accumulated impairment as of December 31, 2024, 2023 and 2022 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:55.910%"></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="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 2024 (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="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross carrying amount</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:8pt;font-weight:700;line-height:120%">Impaired loans and advances</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:8pt;font-weight:700;line-height:120%">Accumulated impairment </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 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:8pt;font-weight:400;line-height:120%">8,261</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="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%">(6)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,133</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;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-left:1pt 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%">(23)</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,668</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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="padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,524</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%">12</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%">(26)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">197,521</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,014</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,134)</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%">Households</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%">186,910</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%">9,158</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%">(7,427)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;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 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:8pt;font-weight:700;line-height:120%">455,016</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,630)</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: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="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 2023 (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="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:8pt;font-weight:700;line-height:120%">Gross carrying amount</span></td><td colspan="3" 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;padding-left:0.18pt;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%">Impaired loans and advances</span></div></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:8pt;font-weight:700;line-height:120%">Accumulated impairment </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 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:8pt;font-weight:400;line-height:120%">7,176</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="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%">(25)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,294</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">(29)</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,498</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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)</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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,271</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%">12</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%">(20)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">175,337</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,520</span></td><td colspan="3" style="border-left:1pt 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%">(4,274)</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%">Households</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%">177,009</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%">8,886</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%">(6,946)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;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 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:8pt;font-weight:700;line-height:120%">413,585</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,446</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%">(11,316)</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:99.585%"><tr><td style="width:1.0%"></td><td style="width:56.241%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.119%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.119%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.121%"></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;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></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="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross carrying amount</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:8pt;font-weight:700;line-height:120%">Impaired loans and advances</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:8pt;font-weight:700;line-height:120%">Accumulated impairment </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 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:8pt;font-weight:400;line-height:120%">4,420</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="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%">(19)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,922</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-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%">(30)</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,066</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%">&#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%">(35)</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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,802</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%">17</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%">(37)</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170,929</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,340</span></td><td colspan="3" style="border-left:1pt 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%">(5,495)</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%">Households</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%">163,936</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%">7,098</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%">(5,675)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;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 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:8pt;font-weight:700;line-height:120%">389,073</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,291)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock', window );">Changes in impaired financial assets and guarantees given [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 of impaired financial assets and guarantees given are as follows:</span></div><div style="margin-bottom:6pt;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%">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%">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%">2022</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%">15,362</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,521</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,467</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="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%">12,255</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%">11,066</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%">8,084</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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,346)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,795)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,742)</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%">4,909</span></td><td colspan="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%">5,272</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,342</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%">(4,559)</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%">(3,770)</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%">(2,771)</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%">(820)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(660)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(517)</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;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%">14,891</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,362</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,521</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(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.</span></div><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_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock', window );">Changes in impaired financial assets written off from the balance sheet [Table Text Block]</a></td>
<td class="text"><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 2024, 2023 and 2022 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%">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%">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%">2022</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%">24,787</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,595</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,990</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%">Companies held for sale</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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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="padding:2px 1pt;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%">3,547</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,841</span></td><td colspan="3" style="border-left:1pt 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%">2,871</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%">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%">(2,801)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,035)</span></td><td colspan="3" style="border-left:1pt 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%">(2,431)</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%">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td colspan="3" style="border-left:1pt 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%">(2)</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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(369)</span></td><td colspan="3" style="border-left:1pt 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%">(390)</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%">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(3)</span></td><td colspan="3" style="border-left:1pt 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%">(25)</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">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,719)</span></td><td colspan="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%">(1,201)</span></td><td colspan="3" style="border-left:1pt 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%">(1,498)</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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(410)</span></td><td colspan="3" style="border-left:1pt 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%">(368)</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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(51)</span></td><td colspan="3" style="border-left:1pt 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%">(147)</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%">(189)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">385</span></td><td colspan="3" style="border-left:1pt 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%">165</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%">25,343</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%">24,787</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%">22,595</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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes principal and interest.</span></div><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_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock', window );">Changes in gross accounting balances of loans and advances at amortized cost [Table Text Block]</a></td>
<td class="text"><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 2024, 2023 and 2022 are recorded on the consolidated balance sheet as of December 31, 2024, 2023 and 2022 in order to cover the estimated impairment or reversal of impairment on loans and advances 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 carrying amount of loans and advances at amortized cost. Year 2024 (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-style:italic;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-style:italic;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-style:italic;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%">361,186</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%">37,953</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:8pt;font-weight:700;line-height:120%">14,446</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%">413,585</span></td></tr><tr><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%">(4,032)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,625</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,407</span></td><td colspan="3" style="padding:2px 1pt;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">(11,840)</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%">11,840</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%">&#8212;</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%">&#8212;</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%">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%">9,830</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%">(9,830)</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%">&#8212;</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%">&#8212;</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%">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%">(3,260)</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%">(1,949)</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%">5,208</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%">&#8212;</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%">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%">1,238</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%">1,564</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%">(2,801)</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%">&#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: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%">64,222</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,378)</span></td><td colspan="3" style="padding:2px 1pt;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%">58,952</span></td></tr><tr><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%">(333)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(112)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,149)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,594)</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%">(13,508)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,137)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(557)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15,203)</span></td></tr><tr><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%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',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:'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%">1,460</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(250)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(78)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,131</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%">409,023</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,780</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">455,016</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: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 carrying amount of loans and advances at amortized cost. Year 2023 (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-style:italic;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-style:italic;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-style:italic;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%">341,944</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,636</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%">13,493</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">389,073</span></td></tr><tr><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%">(11,647)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,463</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,184</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:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">(18,172)</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%">18,172</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%">&#8212;</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%">&#8212;</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%">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%">7,639</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%">(7,639)</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%">&#8212;</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%">&#8212;</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%">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%">(3,203)</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%">(2,297)</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%">5,500</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%">&#8212;</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%">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%">2,089</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%">2,226</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%">(4,316)</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%">&#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: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%">34,334</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,233)</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:8pt;font-weight:400;line-height:120%">2,663</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,764</span></td></tr><tr><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%">(186)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,889)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,150)</span></td></tr><tr><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%">(2,833)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(635)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:400;line-height:120%">(3,838)</span></td></tr><tr><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%">(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:8pt;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:8pt;font-weight:400;line-height:120%">476</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">401</span></td></tr><tr><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%">(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:8pt;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:8pt;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:8pt;font-weight:400;line-height:120%">(665)</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%">361,186</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%">37,953</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:8pt;font-weight:700;line-height:120%">14,446</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%">413,585</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: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><td colspan="3" style="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><td colspan="3" style="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="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 carrying amount of loans and advances at amortized cost. Year 2022 (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><td colspan="3" style="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><td colspan="3" style="display:none"></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-style:italic;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-style:italic;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-style:italic;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><td colspan="3" style="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><td colspan="3" style="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%">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%">300,167</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%">34,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">349,037</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><td colspan="3" style="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><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%">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%">(5,041)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,914</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:8pt;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:8pt;font-weight:400;line-height:120%">&#8212;</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><td colspan="3" style="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><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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">(12,726)</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%">12,726</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%">&#8212;</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%">&#8212;</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><td colspan="3" style="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><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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">8,537</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%">(8,537)</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%">&#8212;</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%">&#8212;</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><td colspan="3" style="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><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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">(1,941)</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%">(1,831)</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%">3,773</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%">&#8212;</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><td colspan="3" style="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><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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">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%">1,089</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%">1,556</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%">(2,645)</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%">&#8212;</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><td colspan="3" style="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><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%">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%">44,465</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,201)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,522</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><td colspan="3" style="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><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%">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%">(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:8pt;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:8pt;font-weight:400;line-height:120%">(2,432)</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:8pt;font-weight:400;line-height:120%">(2,530)</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><td colspan="3" style="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><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%">Methodological changes and adoption of new standards &#8317;&#185;&#8318;</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%">(672)</span></td><td colspan="3" style="padding:2px 1pt;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%">(672)</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><td colspan="3" style="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><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><td colspan="3" style="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:#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%">2,447</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,004</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><td colspan="3" style="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><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%">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%">(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%">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%">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:8pt;font-weight:400;line-height:120%">140</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><td colspan="3" style="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><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%">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%">643</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(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:8pt;font-weight:400;line-height:120%">231</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">573</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><td colspan="3" style="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><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%">341,944</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,636</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%">13,493</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">389,073</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><td colspan="3" style="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><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) The entire impact corresponds to the application of IFRS 17 (See Note 1.3).</span></div><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_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock', window );">Changes in allowances of loans and advances at amortized cost [Table Text Block]</a></td>
<td class="text"><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 allowances of loans and advances at amortized cost. Year 2024 (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-style:italic;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-style:italic;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-style:italic;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%">(2,131)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,026)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,158)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,316)</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: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%">105</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,766)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,031)</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%">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%">103</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%">(697)</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%">&#8212;</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%">(594)</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%">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%">(53)</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%">327</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%">&#8212;</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%">275</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%">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%">93</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%">146</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%">(3,498)</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%">(3,259)</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%">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%">(38)</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%">(146)</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%">732</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%">548</span></td></tr><tr><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%">(1,059)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,125)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,174)</span></td></tr><tr><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%">321</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,909</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,337</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%">325</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">213</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,075</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,613</span></td></tr><tr><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%">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%">35</span></td><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(304)</span></td></tr><tr><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%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">246</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%">(2,406)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,848)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,375)</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:8pt;font-weight:700;line-height:120%">(11,630)</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: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 2023 (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-style:italic;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-style:italic;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-style:italic;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%">(2,065)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,942)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,284)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,291)</span></td></tr><tr><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%">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:8pt;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:8pt;font-weight:400;line-height:120%">(2,527)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,790)</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%">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%">118</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%">(681)</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%">&#8212;</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%">(563)</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%">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%">(113)</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%">323</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%">&#8212;</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%">210</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%">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%">81</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%">120</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%">(2,935)</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%">(2,734)</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%">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%">(13)</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%">(97)</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%">408</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%">297</span></td></tr><tr><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%">(466)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(846)</span></td></tr><tr><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%">147</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,853</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,071</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%">(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: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:'Arial',sans-serif;font-size:8pt;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:'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%">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%">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:8pt;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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(252)</span></td></tr><tr><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%">229</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="padding:2px 1pt;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</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%">(2,131)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,026)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,158)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,316)</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: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-style:italic;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-style:italic;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-style:italic;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%">(1,990)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,091)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,061)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,142)</span></td></tr><tr><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%">63</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,570)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,473)</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%">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%">110</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%">(397)</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%">&#8212;</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%">(287)</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%">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%">(91)</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%">374</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%">&#8212;</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%">283</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%">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%">51</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%">204</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%">(1,917)</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%">(1,662)</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%">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%">(7)</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%">(148)</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%">347</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%">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: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%">(406)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(273)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(663)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,342)</span></td></tr><tr><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%">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%">30</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,890</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,106</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%">(87)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:#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%">161</span></td></tr><tr><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%">&#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%">48</span></td><td colspan="3" style="padding:2px 1pt;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="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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: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%">168</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">511</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%">(2,065)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,942)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,284)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,291)</span></td></tr></table></div><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_SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock', window );">Sensitivity to interest rate and credit spread analysis [Table Text Block]</a></td>
<td class="text"><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 shows the profile of average structural interest rate risk and credit spread risk of the fixed income portfolio in the banking book classified as Held to Collect &amp; Sale (HTC&amp;S) in terms of sensitivities of the main currencies for the BBVA Group in 2024:</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 2024</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="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:8pt;font-weight:700;line-height:120%">Interest rate risk</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:8pt;font-weight:700;line-height:120%">&#160;Credit spread</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;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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on net interest income</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><td colspan="6" 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;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value &#8317;&#178;&#8318;</span></div></td><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;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value &#8317;&#178;&#8318;</span></div></td></tr><tr><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 #000;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%">100 basis point increase</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:700;line-height:120%">100 basis point decrease</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:700;line-height:120%">100 basis point increase</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:700;line-height:120%">100 basis point decrease</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: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 #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%">[0.5% , 1.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-2.5% , -1.5%]</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%">[0.5% , 1.5%]</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;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%">[-1.5% , -0.5%]</span></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</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%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</span></td><td colspan="3" style="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%">[-0.5% , 0.5%]</span></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="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%">[-0.5% , 0.5%]</span></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</span></td><td colspan="3" 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%">[-0.5% , 0.5%]</span></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</span></td><td colspan="3" 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%">[-0.5% , 0.5%]</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">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%">[1.5% , 2.5%]</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%">[-3.5% , -2.5%]</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%">[-3.5% , -2.5%]</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%">[2.5% , 3.5%]</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%">[-1.5% , -0.5%]</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:120%">(1) Percentage of "12 months" net interest income for the BBVA Group.</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%">(2) Percentage of CET1 (Fully Loaded) for BBVA Group.</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:99.431%"><tr><td style="width:1.0%"></td><td style="width:12.986%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.086%"></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 2023</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="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%">Interest rate risk</span></td><td colspan="3" 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%">&#160;Credit spread</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;border-top:1pt solid #000;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%">Impact on net interest income &#8317;&#185;&#8318;</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;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%">Impact on economic value &#8317;&#178;&#8318;</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact on economic value &#8317;&#178;&#8318;</span></td></tr><tr><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 #000;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%">100 basis point increase</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100 basis point decrease </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:#072146;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-left:1pt solid #FFFFFF;border-top:1pt solid #000;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%">100 basis point decrease</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:#072146;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 #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%">[0.5% , 1.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</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: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%">[-1.5% , -0.5%]</span></div></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></div></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></div></td></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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></div></td></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;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</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%">[-0.5% , 0.5%]</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;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%">[-0.5% , 0.5%]</span></div></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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%">BBVA Group</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%">[1.5% , 3.5%]</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%">[-3.5% , -1.5%]</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%">[-1.5% , -0.5%]</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%">[0.5% , 1.5%]</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%">[-1.5% , -0.5%]</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Percentage of "12 months" net interest income for the BBVA Group.</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%">(2) Percentage of CET1 (Fully Loaded) for BBVA Group.</span></div><span></span>
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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_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock', window );">Sensitivity to one percent of the average rate in the main currencies [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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 2024, 2023 and 2022, the estimated sensitivities (in absolute terms) 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%">2024</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%">2023</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></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%">27.8</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%">25.8</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%">19.1</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%">3.3</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%">4.4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.5</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%">1.4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.9</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%">0.7</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%">0.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;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:'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%">0.4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.0</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.9</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%">1.8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.3</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%">1.9</span></td></tr></table></div><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_VaRByRiskFactorTableTextBlock', window );">VaR by Risk factor [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 the VaR was &#8364;34 million, &#8364;36 million and &#8364;29 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) &#8317;&#185;&#8318;</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 &#8317;&#178;&#8318;</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%">2024</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%">41</span></td><td colspan="3" style="border-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%">7</span></td><td colspan="3" style="border-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%">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:7pt;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:7pt;font-weight:400;line-height:120%">(20)</span></td><td colspan="3" style="border-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%">37</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">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: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%">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%">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%">(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%">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: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%">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%">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%">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%">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%">(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%">28</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%">37</span></td><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%">5</span></td><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%">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: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%">(14)</span></td><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%">34</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%">2023</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%">36</span></td><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%">8</span></td><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%">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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><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%">(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:'Arial',sans-serif;font-size:7pt;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: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%">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%">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%">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%">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%">(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%">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: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%">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%">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: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%">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: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></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%">41</span></td><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%">6</span></td><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%">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%">8</span></td><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%">(23)</span></td><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%">36</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%">2022</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%">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%">8</span></td><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</span></td><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%">7</span></td><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%">(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:'Arial',sans-serif;font-size:7pt;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: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%">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%">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%">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%">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%">(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:7pt;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:'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%">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%">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%">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%">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%">(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:7pt;font-weight:400;line-height:120%">19</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%">32</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%">13</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%">7</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%">5</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%">(28)</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%">29</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The maximum and minimum VaR figures show the VaR figures for the day on which said maximum and minimum VaRs occurred in the relevant year, by type of risk. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) 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.</span></div><span></span>
</td>
</tr>
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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_ImpactOfTheStressTestTableTextBlock', window );">Impact of the stress test [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024 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%">(132)</span></td><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%">(66)</span></td><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%">(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%">&#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%">(29)</span></td><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%">(3)</span></td><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%">(10)</span></td></tr></table></div><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_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock', window );">Effect offsetting for derivatives and securities operation [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022:</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:29.562%"></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: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:9.223%"></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:9.223%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.460%"></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;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 </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 &#8317;&#185;&#8318; </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 2024</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:center;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%">45,523</span></td><td colspan="3" style="border-top:1pt solid #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%">8,362</span></td><td colspan="3" style="border-top:1pt solid #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%">37,161</span></td><td colspan="3" style="border-top:1pt solid #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%">27,446</span></td><td colspan="3" style="border-top:1pt solid #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%">9,566</span></td><td colspan="3" style="border-top:1pt solid #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%">148</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%">65,401</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,397</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46,005</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,959</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</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%">110,924</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,759</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83,165</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,405</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:8pt;font-weight:700;line-height:120%">9,566</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">194</span></td></tr><tr><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:center;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%">43,924</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,362</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,562</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,446</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,658</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">458</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%">87,893</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,397</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:8pt;font-weight:400;line-height:120%">68,497</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68,497</span></td><td colspan="3" style="padding:2px 1pt;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></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%">131,818</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,759</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">104,059</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,943</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,658</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%">458</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 2023</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:center;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%">44,641</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%">8,866</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%">35,775</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%">25,171</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%">9,532</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%">1,072</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:'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%">80,227</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80,227</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79,980</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</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%">124,869</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,866</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116,003</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">105,151</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,532</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,320</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:center;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%">44,536</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,866</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,670</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,354</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,013</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,303</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%">104,920</span></td><td colspan="3" style="padding:2px 1pt;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%">104,920</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104,920</span></td><td colspan="3" style="padding:2px 1pt;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></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%">149,456</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%">8,866</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">140,590</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">132,274</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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%">1,303</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="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><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:center;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%">52,354</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%">10,554</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%">41,800</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%">31,019</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%">9,824</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%">957</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%">47,111</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,111</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,069</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</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%">99,465</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,554</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88,911</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">78,088</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,824</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">998</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:center;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%">51,767</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,554</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,213</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,028</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,990</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,195</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%">54,382</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,382</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,701</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">586</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,095</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%">106,149</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%">10,554</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%">95,594</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%">83,729</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%">9,576</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%">2,290</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) It corresponds to the aggregation of the net amounts presented in the balance sheet, less the gross amount which is not offset in the balance sheet, corresponding to each Group entity that records a deficit in this regard.</span></div><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_LtSCDByLMUTableTextBlock', window );">LtSCD by LMU [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022, 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%">2024</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%">2023</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%">2022</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%">102 %</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%">99 %</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%">96 %</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%">101 %</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%">100 %</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%">98 %</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%">115 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98 %</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%">90 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83 %</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%">99 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96 %</span></td></tr></table></div><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_LCRMainLMUTableTextBlock', window );">LCR main LMU [Table Text Block]</a></td>
<td class="text"><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: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%">2024</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%">2023</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%">2022</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%">134 %</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%">149 %</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%">159 %</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%">156 %</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%">178 %</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%">186 %</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%">146 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">192 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">199 %</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%">141 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">185 %</span></td></tr></table></div><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_LiquidityAvailableByInstrumentTableTextBlock', window );">Liquidity available by instrument [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 for the most significant entities based on prudential supervisor&#8217;s information (Commission Implementing Regulations (EU) 2021/451 of December 17, 2020):</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="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="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-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 #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%">2024</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%">2023</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 #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%">2024</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%">2023</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 #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%">2024</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%">2023</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 #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%">2024</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%">2023</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%">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: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%">16,004</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%">43,931</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%">48,271</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%">12,001</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%">9,712</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%">12,865</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%">10,344</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%">9,899</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%">6,731</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%">8,101</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%">5,921</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%">5,265</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%">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%">50,199</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%">31,606</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%">33,081</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%">8,783</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%">20,345</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%">13,974</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%">6,402</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%">6,117</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%">9,165</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%">8,749</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%">8,429</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%">7,836</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">194</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%">919</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%">3,450</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%">327</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%">246</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%">47</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#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: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%">3,762</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%">2,916</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%">3,471</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%">159</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%">132</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%">35</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">31</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%">&#8212;</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%">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: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%">46,537</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%">44,324</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%">22,708</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%">598</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%">469</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%">467</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%">816</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%">398</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%">285</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%">926</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%">753</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%">1,035</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">11</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">116,706</span></td><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%">123,696</span></td><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%">110,981</span></td><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%">21,869</span></td><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%">30,903</span></td><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%">27,388</span></td><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%">17,562</span></td><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%">16,414</span></td><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%">16,181</span></td><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%">17,806</span></td><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%">15,102</span></td><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%">14,136</span></td></tr></table></div><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_NSFRMainLMUTableTextBlock', window );">NSFR main LMU [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 as of December 31, 2024, 2023 and 2022, 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%">2024</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%">2023</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%">2022</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%">127 %</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%">131 %</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%">135 %</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%">119 %</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%">120 %</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%">125 %</span></td></tr><tr><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%">131 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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: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%">149 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">178 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 %</span></td></tr></table></div><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_ResidualMaturitiesByContractualPeriodsTableTextBlock', window );">Residual maturities by contractual periods [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 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: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 2024. 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%">11,125</span></td><td colspan="3" style="border-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%">38,087</span></td><td colspan="3" style="border-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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">49,212</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%">&#8212;</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%">5,246</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%">541</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%">1,165</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%">647</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%">918</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%">861</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%">351</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%">33</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%">41</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%">9,805</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%">&#8212;</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%">2,677</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%">1,642</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%">970</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%">929</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%">1,130</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%">1,577</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%">1,526</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%">1,369</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%">681</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%">12,502</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%">&#8212;</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%">34,310</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%">10,594</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%">5,025</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%">1,911</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%">3,138</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%">5,782</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%">3,675</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%">3,008</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%">122</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%">67,565</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%">&#8212;</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%">34,605</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%">38,547</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%">29,770</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%">16,928</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%">19,715</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%">44,537</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%">34,618</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%">51,469</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%">105,649</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%">375,837</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%">&#8212;</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%">2,861</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%">2,741</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%">6,084</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%">2,531</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%">5,922</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%">20,625</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%">20,053</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%">21,972</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%">44,850</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%">127,640</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 2024. 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%">&#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%">2,484</span></td><td colspan="3" style="border-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%">4,816</span></td><td colspan="3" style="border-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%">5,536</span></td><td colspan="3" style="border-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%">3,347</span></td><td colspan="3" style="border-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%">3,685</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%">8,517</span></td><td colspan="3" style="border-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%">11,386</span></td><td colspan="3" style="border-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%">7,530</span></td><td colspan="3" style="border-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%">28,306</span></td><td colspan="3" style="border-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%">75,608</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%">2,600</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%">6,070</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%">476</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%">644</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%">130</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%">732</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%">558</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%">242</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%">570</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%">743</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%">12,765</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%">6,950</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%">9,247</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%">2,466</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%">1,584</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%">922</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%">503</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%">1,256</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%">477</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%">433</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%">742</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%">24,581</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%">318,252</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%">50,789</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%">23,758</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%">11,580</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%">3,888</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%">4,329</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%">2,055</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%">569</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%">834</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%">787</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%">416,841</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%">&#8212;</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%">74,614</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%">14,093</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%">5,452</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%">2,355</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%">4,157</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%">2,223</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%">366</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%">1,454</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%">445</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%">105,159</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%">&#8212;</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%">(388)</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%">(73)</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%">(142)</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%">70</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%">142</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%">549</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%">(122)</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%">5</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%">(87)</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%">(46)</span></td></tr></table></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: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 2023. 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%">10,353</span></td><td colspan="3" style="border-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%">61,678</span></td><td colspan="3" style="border-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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">72,031</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%">&#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%">4,676</span></td><td colspan="3" style="padding:2px 1pt;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%">543</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">594</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">602</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">602</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;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: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%">7,672</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%">&#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%">1,288</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,261</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%">1,049</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">385</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">649</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,019</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">965</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,291</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%">9,882</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%">&#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%">42,407</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%">21,683</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,890</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:7pt;font-weight:400;line-height:120%">3,398</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,596</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,319</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,817</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,133</span></td><td colspan="3" style="padding:2px 1pt;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%">86,382</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%">&#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%">28,644</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:7pt;font-weight:400;line-height:120%">30,850</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28,239</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,434</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,029</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%">41,267</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,769</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45,116</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">104,086</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:7pt;font-weight:400;line-height:120%">346,433</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%">&#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%">2,167</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,011</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,633</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,578</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,950</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,266</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%">14,016</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%">29,245</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,558</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%">118,424</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 2023. 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%">&#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%">1,187</span></td><td colspan="3" style="border-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%">3,889</span></td><td colspan="3" style="border-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%">8,518</span></td><td colspan="3" style="border-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%">4,935</span></td><td colspan="3" style="border-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%">4,225</span></td><td colspan="3" style="border-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%">10,296</span></td><td colspan="3" style="border-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%">7,990</span></td><td colspan="3" style="border-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%">11,175</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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,424</span></td><td colspan="3" style="border-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%">74,639</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%">2,092</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,669</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,076</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">715</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">605</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">795</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">10,011</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%">8,507</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,526</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%">2,806</span></td><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">834</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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%">1,033</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">638</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,535</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%">304,096</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,745</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,225</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:7pt;font-weight:400;line-height:120%">11,855</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:7pt;font-weight:400;line-height:120%">3,905</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,500</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%">1,753</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,029</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%">758</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,092</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">390,959</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%">&#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%">86,908</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,028</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,107</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,274</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,821</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,630</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,111</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,060</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">133,615</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%">&#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%">(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%">(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%">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%">(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:7pt;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:'Arial',sans-serif;font-size:7pt;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:7pt;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:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,616)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,009)</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 2022. Contractual maturities (Millions of Euros)</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%">9,227</span></td><td colspan="3" style="border-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%">66,497</span></td><td colspan="3" style="border-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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">&#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%">75,724</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%">&#8212;</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%">3,870</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%">319</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%">433</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%">434</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%">468</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%">242</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%">183</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%">6</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%">83</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%">6,040</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%">3</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%">2,199</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%">1,012</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%">746</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%">516</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%">344</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%">971</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%">816</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%">551</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%">830</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%">7,988</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%">&#8212;</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%">31,049</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%">5,743</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%">3,368</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%">1,432</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%">1,127</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%">4,582</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%">1,354</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%">2,400</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%">289</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%">51,343</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%">99</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%">24,622</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%">32,009</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%">25,622</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%">14,827</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%">16,766</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%">41,049</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%">32,510</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%">43,828</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%">96,201</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%">327,534</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%">1</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%">4,031</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%">4,107</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%">8,200</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%">4,305</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%">4,746</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%">18,417</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%">8,744</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%">23,307</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%">31,480</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%">107,338</span></td></tr></table><table style="border-collapse: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 2022. 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%">&#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%">1,841</span></td><td colspan="3" style="border-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%">4,434</span></td><td colspan="3" style="border-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%">1,050</span></td><td colspan="3" style="border-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%">3,148</span></td><td colspan="3" style="border-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%">2,017</span></td><td colspan="3" style="border-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%">6,318</span></td><td colspan="3" style="border-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%">9,423</span></td><td colspan="3" style="border-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%">13,282</span></td><td colspan="3" style="border-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%">18,145</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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59,658</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%">2,176</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%">7,885</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%">628</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%">806</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%">56</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%">694</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%">648</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%">211</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%">396</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%">399</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%">13,899</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%">7,392</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%">5,760</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%">1,465</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%">464</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%">379</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%">758</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%">700</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%">293</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%">594</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%">727</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%">18,532</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%">302,667</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%">38,951</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%">18,542</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%">6,776</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%">2,575</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%">2,870</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%">1,476</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%">1,276</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%">798</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%">273</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%">376,203</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%">&#8212;</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%">51,638</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%">14,543</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%">17,736</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%">866</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%">1,503</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%">8,136</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%">1,524</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%">3,493</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%">575</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%">100,013</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%">&#8212;</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%">(253)</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%">24</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%">(1,010)</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%">(23)</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%">175</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%">40</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%">(153)</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%">(466)</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%">(3,717)</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%">(5,383)</span></td></tr></table></div><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_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock', window );">Wholesale financing transactions carried out by group entities [Table Text Block]</a></td>
<td class="text"><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:10.456%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></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: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:11.072%"></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:10.459%"></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:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issuer</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Type of issue</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:7pt;font-weight:700;line-height:120%">Date of issue</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:7pt;font-weight:700;line-height:120%">Nominal (millions)</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:7pt;font-weight:700;line-height:120%">Currency</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:7pt;font-weight:700;line-height:120%">Coupon</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:7pt;font-weight:700;line-height:120%">Early redemption</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:7pt;font-weight:700;line-height:120%">Maturity date</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="10" style="border-top:0.75pt 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%">BBVA, S.A.</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.75pt 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%">Senior preferred </span></td><td colspan="3" style="border-top:0.75pt 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%">Jan-24</span></td><td colspan="3" style="border-top:0.75pt 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%">1,250</span></td><td colspan="3" style="border-top:0.75pt 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%">EUR</span></td><td colspan="3" style="border-top:0.75pt 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%">3.875%</span></td><td colspan="3" style="border-top:0.75pt 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%">&#8212;</span></td><td colspan="3" style="border-top:0.75pt 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%">Jan-34</span></td></tr><tr style="height:23pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 2</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Feb-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,250</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.875%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nov-30 to Feb-31</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Feb-36</span></td></tr><tr style="height:15pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-24</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.381%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-29</span></td></tr><tr style="height:15pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior non-preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-24</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.033%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-34</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-35</span></td></tr><tr style="height:21pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred (green bond)</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.500%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mar-31</span></div></td></tr><tr style="height:30pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 month Euribor rate + 45 basis points</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-27</span></div></td></tr><tr style="height:15pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior preferred</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">750</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.625%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-30</span></div></td></tr><tr style="height:23pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 (CoCo)</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Jun-24</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">750</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.875%</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dec-30 to Jun-31</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetual</span></td></tr><tr style="height:23pt"><td colspan="3" style="display:none"></td><td colspan="3" style="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 2</span></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Aug-24</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000</span></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><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="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.375%</span></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">May-31 to Aug-31</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Aug-36</span></div></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></table></div><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_EncumberedAndUnencumberedAsstesTableTextBlock', window );">Encumbered and unencumbered asstes [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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%">2024</span></td><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%">2023</span></td><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%">2024</span></td><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%">2023</span></td><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: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%">2024</span></td><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%">2023</span></td><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%">2024</span></td><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%">2023</span></td><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></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%">68,268</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%">78,586</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%">92,916</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%">704,134</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%">696,972</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%">619,177</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%">834</span></td><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%">592</span></td><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%">819</span></td><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%">834</span></td><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%">592</span></td><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%">819</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%">17,159</span></td><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%">13,176</span></td><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%">11,293</span></td><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%">17,159</span></td><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%">13,176</span></td><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%">11,293</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">43,404</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51,458</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,533</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45,639</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50,818</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%">32,291</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%">102,333</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%">88,976</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%">92,665</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%">102,333</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%">88,976</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%">92,665</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%">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%">24,030</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,535</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:7pt;font-weight:400;line-height:120%">58,563</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%">584,641</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">594,821</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">515,218</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><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_CollateralPledgesReceivedTableTextBlock', window );">Collateral pledges received [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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%">2024</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%">2023</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%">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: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%">2024</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%">2023</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%">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: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%">2024</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%">2023</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%">2022</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%">40,877</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%">73,836</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%">40,701</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%">14,917</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%">14,825</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%">9,415</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%">1,151</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%">996</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%">1,279</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%">215</span></td><td colspan="3" style="border-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%">1,019</span></td><td colspan="3" style="border-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%">323</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%">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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="border-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%">759</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%">&#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%">&#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%">&#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: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%">40,663</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">72,817</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40,378</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%">14,754</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:7pt;font-weight:400;line-height:120%">14,774</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,656</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%">1,151</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">996</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,279</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">&#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: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%">&#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: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%">&#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></tr><tr><td colspan="3" style="border-bottom: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%">Own debt securities issued other than own covered bonds or ABSs</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">66</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%">74</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%">92</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%">&#8212;</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%">&#8212;</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%">&#8212;</span></td></tr></table></div><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_SourcesOfEncumbranceTableTextBlock', window );">Sources of encumbrance [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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%">2024</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%">2023</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%">2022</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%">2024</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%">2023</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%">2022</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%">109,833</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%">151,766</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%">122,400</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%">107,067</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%">149,853</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%">128,628</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%">17,047</span></td><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%">15,895</span></td><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%">15,950</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%">14,698</span></td><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%">13,756</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:7pt;font-weight:400;line-height:120%">16,699</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">84,604</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">126,777</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">95,728</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%">81,938</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%">126,543</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99,077</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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%">8,182</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,094</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,722</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%">10,431</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%">9,554</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,852</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%">1,141</span></td><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%">1,066</span></td><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%">731</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%">2,079</span></td><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%">2,568</span></td><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%">4,989</span></td></tr></table></div><span></span>
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</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Base scenario of GDP, unemployment rate and HPI for the main geographies</p></div>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 allowances of loans and advances 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_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock</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>dtr-types1:textBlockItemType</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_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 gross accounting balances of loans and advances 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_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock</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>dtr-types1:textBlockItemType</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_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 impaired financial assets 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_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock</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>dtr-types1:textBlockItemType</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_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 impaired financial assets written off from the balance sheet</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_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock</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>dtr-types1:textBlockItemType</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_CollateralPledgesReceivedTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Collateral pledges received</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_CollateralPledgesReceivedTableTextBlock</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>dtr-types1:textBlockItemType</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_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effect offsetting for derivatives and securities operation</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_EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock</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>dtr-types1:textBlockItemType</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_EncumberedAndUnencumberedAsstesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Encumbered and unencumbered asstes</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_EncumberedAndUnencumberedAsstesTableTextBlock</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>dtr-types1:textBlockItemType</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_ExpectedLossVariationAsOfDecemberTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected loss variation as of december</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_ExpectedLossVariationAsOfDecemberTableTextBlock</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>dtr-types1:textBlockItemType</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_GuaranteesReceivedTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Guarantees Received</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_GuaranteesReceivedTableTextBlock</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>dtr-types1:textBlockItemType</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_ImpactOfTheStressTestTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impact of the stress test</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_ImpactOfTheStressTestTableTextBlock</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>dtr-types1:textBlockItemType</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_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impaired loans and advances at amortized cost covered by collateral</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_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock</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>dtr-types1:textBlockItemType</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_ImpairedSecuredLoansRisksTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impaired secured loans risks</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_ImpairedSecuredLoansRisksTableTextBlock</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>dtr-types1:textBlockItemType</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_LCRMainLMUTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>LCR main LMU</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_LCRMainLMUTableTextBlock</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>dtr-types1:textBlockItemType</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_LiquidityAvailableByInstrumentTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Liquidity available by 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;">bbva_LiquidityAvailableByInstrumentTableTextBlock</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>dtr-types1:textBlockItemType</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_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 breakdown by counterparty and product</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_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock</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>dtr-types1:textBlockItemType</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_LtSCDByLMUTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>LtSCD by LMU</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_LtSCDByLMUTableTextBlock</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>dtr-types1:textBlockItemType</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_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty</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_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock</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>dtr-types1:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location</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_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock</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>dtr-types1:textBlockItemType</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_MaximumCreditRiskExposureTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum credit risk exposure</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_MaximumCreditRiskExposureTableTextBlock</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>dtr-types1:textBlockItemType</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_NSFRMainLMUTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>NSFR main LMU</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_NSFRMainLMUTableTextBlock</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>dtr-types1:textBlockItemType</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_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 scenario of GDP, unemployment rate and HPI for the main geographies</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_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock</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>dtr-types1:textBlockItemType</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_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Positive scenario of GDP, unemployment rate and HPI for the main geographies</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_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock</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>dtr-types1:textBlockItemType</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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Probability of default of loans and advances to customers and contingent risk and commitments</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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock</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>dtr-types1:textBlockItemType</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_ResidualMaturitiesByContractualPeriodsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Residual maturities by contractual periods</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_ResidualMaturitiesByContractualPeriodsTableTextBlock</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>dtr-types1:textBlockItemType</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_RiskManagementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Risk Management [Abstract]</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_RiskManagementAbstract</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_SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity to interest rate and credit spread analysis</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_SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock</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>
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</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_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity to one percent of the average rate in the main currencies</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_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock</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>dtr-types1:textBlockItemType</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_SourcesOfEncumbranceTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sources of encumbrance</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_SourcesOfEncumbranceTableTextBlock</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>dtr-types1:textBlockItemType</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_VaRByRiskFactorTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>VaR by Risk factor</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_VaRByRiskFactorTableTextBlock</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>dtr-types1:textBlockItemType</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_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Wholesale financing transactions carried out by group entities</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_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock</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>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360591130832">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 8 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_FairValueOfFinancialInstrumentsAbstract', window );"><strong>Fair value of financial instruments [Abstract]</strong></a></td>
<td class="text">&#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_FairValueOfFinancialInstrumentsByLevelsTableTextBlock', window );">Fair value of financial instruments by levels [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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's financial instruments recognized at fair value in the consolidated balance sheets is presented below, broken down according to the valuation method used to determine their fair value, and their respective book value as of December 31, 2024, 2023 and 2022:</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.482%"><tr><td style="width:1.0%"></td><td style="width:46.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.448%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.709%"></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%">Fair value of financial instruments recognized at fair value by levels. </span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2024 (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr style="height:12pt"><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="display:none"></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%">Level 1</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%">Level 2</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%">Level 3</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-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">108,948</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,332</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80,323</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,292</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%">Derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,003</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">969</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,591</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">443</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%">Equity instruments </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,760</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,602</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></tr><tr><td colspan="3" style="background-color:#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%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,955</span></td><td colspan="3" style="display:none"></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-weight:400;line-height:120%">18,762</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-weight:400;line-height:120%">8,438</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-weight:400;line-height:120%">756</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,230</span></td><td colspan="3" style="display:none"></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-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:8pt;font-weight:400;line-height:120%">37,218</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-weight:400;line-height:120%">1,011</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-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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,546</span></td><td colspan="3" style="display:none"></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%">8,511</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%">617</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%">1,418</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,782</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,309</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,365</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%">Debt securities</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">407</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</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%">Loans and advances</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">358</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">836</span></td><td colspan="3" style="display:none"></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%">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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62</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%">&#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><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 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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">836</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">774</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,002</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50,354</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,515</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,133</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,451</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,157</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">Debt securities</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57,526</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,173</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,436</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">917</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%">Loans and advances to credit institutions</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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;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;padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,158</span></td><td colspan="3" style="display:none"></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%">&#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:8pt;font-weight:400;line-height:120%">1,158</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%">&#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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></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%">Financial liabilities held for trading </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%">10</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%">86,591</span></td><td colspan="3" style="display:none"></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%">14,308</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%">71,072</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%">1,211</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%">Trading derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,059</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,118</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,400</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">541</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%">Short positions</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,878</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,189</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">673</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,654</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,999</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">656</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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,952</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,865</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,087</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%">Deposits from credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Customer deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">934</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">934</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,597</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,511</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,087</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%">Other financial liabilities</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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="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:#ffffff;border-bottom: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;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,503</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,480</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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</span></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"><tr><td style="width:1.0%"></td><td style="width:53.954%"></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:11.963%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:7.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.457%"></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%">Fair value of financial instruments recognized at fair value by levels.</span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2023 (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr style="height:9pt"><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="display:none"></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%">Level 1</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%">Level 2</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%">Level 3</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-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">141,042</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,972</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">116,905</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,165</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%">Derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,293</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,880</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">269</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%">Equity instruments </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,589</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,494</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,569</span></td><td colspan="3" style="display:none"></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-weight:400;line-height:120%">17,333</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-weight:400;line-height:120%">11,081</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:8pt;font-weight:400;line-height:120%">155</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,590</span></td><td colspan="3" style="display:none"></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-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:8pt;font-weight:400;line-height:120%">71,921</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-weight:400;line-height:120%">1,669</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-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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,737</span></td><td colspan="3" style="display:none"></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%">7,028</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%">493</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%">1,216</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,963</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,742</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,148</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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">484</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">286</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">66</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%">Loans and advances to customers</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">290</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">955</span></td><td colspan="3" style="display:none"></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%">908</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%">47</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%">&#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><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 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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">955</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">908</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62,205</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,987</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,335</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">883</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,217</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,026</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,963</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,961</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,258</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">Loans and advances to credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,482</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,482</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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;border-left:0.25pt solid #ffffff;border-top:0.25pt 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-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></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%">Financial liabilities held for trading </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%">10</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%">121,715</span></td><td colspan="3" style="display:none"></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%">14,133</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%">106,382</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%">1,201</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%">Trading derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,045</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,111</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">743</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%">Short positions</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,735</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,942</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,750</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,935</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,520</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">415</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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,299</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,073</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,227</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%">Deposits from credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Customer deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,977</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,751</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,227</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%">Other financial liabilities</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,605</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,605</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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="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:#ffffff;border-bottom: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;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;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="display:none"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,586</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"><tr><td style="width:1.0%"></td><td style="width:53.954%"></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:11.963%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:7.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.453%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.457%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" 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%">Fair value of financial instruments recognized at fair value by levels.</span></div><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%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:bottom"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr style="height:12pt"><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="display:none"></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%">Level 1</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%">Level 2</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%">Level 3</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-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110,671</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,710</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85,636</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,325</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%">Derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,908</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">795</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,140</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">974</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%">Equity instruments </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,369</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></tr><tr><td colspan="3" style="background-color:#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%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,367</span></td><td colspan="3" style="display:none"></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-weight:400;line-height:120%">16,284</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-weight:400;line-height:120%">7,934</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-weight:400;line-height:120%">148</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,993</span></td><td colspan="3" style="display:none"></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-weight:400;line-height:120%">1,262</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-weight:400;line-height:120%">39,562</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-weight:400;line-height:120%">1,169</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-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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,888</span></td><td colspan="3" style="display:none"></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%">5,720</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%">151</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%">1,017</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,511</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,457</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,014</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%">Debt securities </span></td><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;vertical-align:middle"><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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Loans and advances to customers</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">913</span></td><td colspan="3" style="display:none"></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%">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:'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:#000000;font-family:'Arial',sans-serif;font-size:8pt;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><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 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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">913</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">913</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65,374</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,248</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,537</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">589</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%">Equity instruments</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,198</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,040</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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></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%">Debt securities </span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,150</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,182</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,479</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">489</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%">Loans and advances to credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="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="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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,891</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,887</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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;border-left:0.25pt solid #ffffff;border-top:0.25pt 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-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></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%">Financial liabilities held for trading </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%">10</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%">95,611</span></td><td colspan="3" style="display:none"></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%">20,611</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%">73,871</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%">1,129</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%">Trading derivatives</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,909</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">746</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,161</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,002</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%">Short positions</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,487</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,354</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,215</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,511</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,577</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">127</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:#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-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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,580</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;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-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,990</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,590</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%">Deposits from credit institutions</span></td><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;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="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Customer deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">700</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">700</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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 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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,288</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,698</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,590</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%">Other financial liabilities</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,592</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,592</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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-bottom: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;padding:2px 1pt;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-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,303</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,179</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;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</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock', window );">Fair value of financial assets by levels, valuation techniques and inputs [Table Text Block]</a></td>
<td class="text"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">The following table sets forth the main valuation techniques, hypothesis and inputs used in the estimation of fair value of the financial instruments recognized 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, 2024, 2023 and 2022.</span></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><tr><td style="width:1.0%"></td><td style="width:23.900%"></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><td colspan="3" style="display:none"></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="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:5pt;font-weight:700;line-height:120%">Fair value of Financial Instruments by levels. (Millions of Euros)</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></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="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></tr><tr style="height:15pt"><td colspan="3" rowspan="2" 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:6pt;font-weight:700;line-height:120%">ASSETS</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" 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%">Valuation techniques in Levels 2 and 3</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%">Observable inputs in Levels 2 and 3</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%">Unobservable inputs in Levels 2 and 3</span></td></tr><tr style="height:15pt"><td colspan="3" style="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></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:6pt;font-weight:700;line-height:120%">Financial assets held for trading</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Equity instruments </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><td colspan="3" style="display:none"></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%">Comparable pricing (Observable price in a similar market)<br/>Net asset value</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%">- Brokers quotes<br/>- Market operations<br/>- NAVs published</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%">- NAV provided by the administrator of the fund</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)<br/>Observed prices in non-active markets</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Issuer&#180;s credit risk<br/>- Current market interest rates<br/>- Non active markets prices</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Recovery rates</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- 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</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Recovery rates<br/>- Funding interest rates not observed in the market or in consensus services</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:68pt"><td colspan="3" style="padding:2px 1pt;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 rate</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and  SABR<br/>Bond options: Black 76<br/>Swaptions: Black, SABR and LGM<br/>Other Interest rate Options: Black, SABR  and Libor Market Model<br/>Constant Maturity Swaps: SABR</span></td><td colspan="3" rowspan="5" style="padding:2px 1pt;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 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</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local Volatility, Momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Local volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commodities: Momentum adjustment and discounted cash flows</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:6pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</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><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></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%">Equity instruments</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><td colspan="3" style="display:none"></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%">Comparable pricing (Observable price in a similar market)<br/>Net asset value</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%">- Brokers quotes<br/>- Market operations<br/>- NAVs published</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%">- NAV provided by the administrator of the fund</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Issuer credit risk<br/>- Current market interest rates</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer credit risk<br/>- Recovery rates<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:6pt;font-weight:400;line-height:120%">Loans and advances</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><br/>Discounted future cash flows</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:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Interest rates</span></td></tr><tr style="height:17pt"><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%">Financial assets designated at fair value through profit or loss</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</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:6pt;font-weight:400;line-height:120%">- Issuer credit risk<br/>- Current market interest rates</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;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="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="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:6pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</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><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></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%">Equity instruments</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><td colspan="3" style="display:none"></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%">Comparable pricing (Observable price in a similar market)<br/>Net asset value</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%">- Brokers quotes<br/>- Market operations<br/>- NAVs published</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%">- NAV provided by the administrator of the fund</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)<br/>Observed prices in non-active markets</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Issuer&#180;s credit risk<br/>- Current market interest rates<br/>- Non active market prices</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer credit risk<br/>- Recovery rates</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%">Hedging derivatives</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><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></tr><tr style="height:68pt"><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%">Interest rate</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><td colspan="3" style="display:none"></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%">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and  SABR<br/>Bond options: Black 76<br/>Swaptions: Black, SABR and LGM<br/>Other Interest rate Options: Black, SABR  and Libor Market Model<br/>Constant Maturity Swaps: SABR</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:6pt;font-weight:400;line-height:120%">-  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</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%">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local volatility, Black 76, Momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Local volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</span></td></tr><tr style="height:17pt"><td colspan="3" style="border-bottom: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%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="border-bottom: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%">Commodities: Momentum adjustment and Discounted cash flows</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:1pt solid #242424;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><tr><td style="width:1.0%"></td><td style="width:23.900%"></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><td colspan="3" style="display:none"></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="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%">Fair Value of Financial Instruments by Levels</span></td></tr><tr><td colspan="3" style="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="display:none"></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: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%">LIABILITIES</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><td colspan="3" style="display:none"></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:6pt;font-weight:700;line-height:120%">Valuation techniques in Levels 2 and 3</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:6pt;font-weight:700;line-height:120%">Observable inputs in Levels 2 and 3</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right: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%">Unobservable inputs in Levels 2 and 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><td colspan="3" style="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 #000000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial liabilities held for trading </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><td colspan="3" style="display:none"></td><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 #000;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 #000000;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:6pt;font-weight:400;line-height:120%">Deposits</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</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%">- Interest rate yield<br/>- Funding interest rates observed in the market or in consensus services<br/>-  Exchange rates</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:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Funding interest rates not observed in the market or in consensus services</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:68pt"><td colspan="3" style="padding:2px 1pt;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 rate</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, SABR and LGM<br/>Other Interest rate Options: Black,  SABR and Libor Market Model<br/>Constant Maturity Swaps: SABR</span></td><td colspan="3" rowspan="4" style="padding:2px 1pt;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 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</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:6pt;font-weight:400;line-height:120%">- Beta<br/>- Correlation between tenors<br/>- Interest rates volatility</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity forward: Discounted future cash flows<br/>Equity Options: Local volatility, momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Assets correlation</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Black 76, Local volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Assets correlation</span></td></tr><tr style="height:39pt"><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%">Credit</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</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:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</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%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commodities: Momentum adjustment and discounted cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#DADADA;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:6pt;font-weight:400;line-height:120%">Short positions </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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</span></td><td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #FFFFFF;padding:0 1pt"></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:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Current market interest rates</span></td></tr><tr><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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss</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><td colspan="3" style="display:none"></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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Present-value method<br/>(Discounted future cash flows)</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"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Prepayment rates</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Issuer&#180;s credit risk</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Current market interest rates</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 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%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Current market interest rates</span></td></tr><tr><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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Derivatives &#8211; Hedge accounting</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><td colspan="3" style="display:none"></td><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 #000;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 #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr style="height:68pt"><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 rate</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, SABR and LGM<br/>Other Interest rate Options: Black,  SABR and Libor Market Model<br/>Constant Maturity Swaps: SABR</span></td><td colspan="3" rowspan="5" style="border-bottom:1pt solid #000;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%">-  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</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:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</span></td></tr><tr style="height:32pt"><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%">Equity</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local volatility, momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</span></td></tr><tr style="height:32pt"><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%">Foreign exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Black 76, Local Volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</span></td></tr><tr style="height:39pt"><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%">Credit</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</span></td></tr><tr style="height:17pt"><td colspan="3" style="border-bottom:1pt solid #000;border-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%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="border-bottom: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%">Commodities: Momentum adjustment and discounted cash flows</span></td><td colspan="3" style="background-color:#DADADA;border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:0 1pt"></td></tr></table></div><span></span>
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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_FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock', window );">Fair value of financial liabilities by levels, valuation techniques and inputs [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><tr><td style="width:1.0%"></td><td style="width:23.900%"></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><td colspan="3" style="display:none"></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="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%">Fair Value of Financial Instruments by Levels</span></td></tr><tr><td colspan="3" style="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="display:none"></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: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%">LIABILITIES</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><td colspan="3" style="display:none"></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:6pt;font-weight:700;line-height:120%">Valuation techniques in Levels 2 and 3</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:6pt;font-weight:700;line-height:120%">Observable inputs in Levels 2 and 3</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-right: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%">Unobservable inputs in Levels 2 and 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><td colspan="3" style="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 #000000;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"><span style="color:#004481;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial liabilities held for trading </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><td colspan="3" style="display:none"></td><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 #000;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 #000000;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:6pt;font-weight:400;line-height:120%">Deposits</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</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%">- Interest rate yield<br/>- Funding interest rates observed in the market or in consensus services<br/>-  Exchange rates</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:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Funding interest rates not observed in the market or in consensus services</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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="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="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:68pt"><td colspan="3" style="padding:2px 1pt;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 rate</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, SABR and LGM<br/>Other Interest rate Options: Black,  SABR and Libor Market Model<br/>Constant Maturity Swaps: SABR</span></td><td colspan="3" rowspan="4" style="padding:2px 1pt;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 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</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:6pt;font-weight:400;line-height:120%">- Beta<br/>- Correlation between tenors<br/>- Interest rates volatility</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity forward: Discounted future cash flows<br/>Equity Options: Local volatility, momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Assets correlation</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:2px 1pt;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 exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Black 76, Local volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Assets correlation</span></td></tr><tr style="height:39pt"><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%">Credit</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</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:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</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%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commodities: Momentum adjustment and discounted cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#DADADA;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:6pt;font-weight:400;line-height:120%">Short positions </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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Present-value method<br/>(Discounted future cash flows)</span></td><td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #FFFFFF;padding:0 1pt"></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:6pt;font-weight:400;line-height:120%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Current market interest rates</span></td></tr><tr><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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss</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><td colspan="3" style="display:none"></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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Present-value method<br/>(Discounted future cash flows)</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"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Prepayment rates</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Issuer&#180;s credit risk</span></div><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">- Current market interest rates</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 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%">- Prepayment rates<br/>- Issuer&#180;s credit risk<br/>- Current market interest rates</span></td></tr><tr><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:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Derivatives &#8211; Hedge accounting</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><td colspan="3" style="display:none"></td><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 #000;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 #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td></tr><tr style="height:68pt"><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 rate</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><td colspan="3" style="display:none"></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:6pt;font-weight:400;line-height:120%">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows<br/>Caps/Floors: Black 76 and SABR<br/>Bond options: Black 76<br/>Swaptions: Black 76, SABR and LGM<br/>Other Interest rate Options: Black,  SABR and Libor Market Model<br/>Constant Maturity Swaps: SABR</span></td><td colspan="3" rowspan="5" style="border-bottom:1pt solid #000;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%">-  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</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:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Beta<br/>- Implicit correlations between tenors<br/>- interest rates volatility</span></td></tr><tr style="height:32pt"><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%">Equity</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Equity Options: Local volatility, momentum adjustment and Heston</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations<br/>- Implicit dividends and long term repos</span></td></tr><tr style="height:32pt"><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%">Foreign exchange and gold</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future and Equity Forward: Discounted future cash flows<br/>Foreign exchange Options: Black 76, Local Volatility, momentum adjustment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Volatility of volatility<br/>- Implicit assets correlations<br/>- Long term implicit correlations</span></td></tr><tr style="height:39pt"><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%">Credit</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><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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 Derivatives: Default model and Gaussian copula</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">- Correlation default<br/>- Credit spread<br/>- Recovery rates<br/>- Interest rate yield<br/>- Default volatility</span></td></tr><tr style="height:17pt"><td colspan="3" style="border-bottom:1pt solid #000;border-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%">Commodities</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><td colspan="3" style="display:none"></td><td colspan="3" style="border-bottom: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%">Commodities: Momentum adjustment and discounted cash flows</span></td><td colspan="3" style="background-color:#DADADA;border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:0 1pt"></td></tr></table></div><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_UnobservableInputsTableTextBlock', window );">Unobservable inputs [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom: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%">Quantitative information of unobservable inputs used to calculate level 3 valuations is presented below as of December 31, 2024, 2023 and 2022.</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:99.794%"><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 2024</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%">&#8212;</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%">113</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%">3,907</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%">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%">0 %</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'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%">0 %</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%">95 %</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%">233 %</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%">2.09 %</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%">3.70 %</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%">7.11 %</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" 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:top"><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%">19 %</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%">59 %</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%">92 %</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%">&#8212;</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%">&#8212;</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%">&#8212;</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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends (2)</span></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%">(88 %)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48 %</span></td><td colspan="3" style="padding:2px 1pt;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 %</span></td><td colspan="3" style="padding:2px 1pt;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%">5.07</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:8pt;font-weight:400;line-height:120%">30.90</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:8pt;font-weight:400;line-height:120%">122.35</span></td><td colspan="3" style="padding:2px 1pt;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%">3.93</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%">9.46</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%">14.91</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%">3.00 %</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%">5 %</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%">11 %</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%">(100 %)</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%">100%</span></td><td colspan="3" style="padding:2px 1pt;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%">42 %</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%">74 %</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%">95 %</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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div><div style="text-align:justify"><span><br/></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:99.024%"><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 2023</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%">&#8212;</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%">136</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%">4,369</span></td><td colspan="3" style="background-color:#ffffff;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%">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%">0 %</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'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%">0 %</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%">99 %</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%">237 %</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%">2.26 %</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%">3.74 %</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%">5.76 %</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" 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:top"><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%">26 %</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%">60 %</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%">85 %</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%">&#8212;</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%">&#8212;</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%">&#8212;</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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends (2)</span></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%">(88 %)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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: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%">8.47</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29.41</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70.94</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:bottom"><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%">4.31</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%">10.24</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%">18.52</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%">3.00 %</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%">5 %</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%">11 %</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%">(100 %)</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%">100 %</span></td><td colspan="3" style="padding:2px 1pt;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%">Correlation rate/inflation</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%">52%</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%">60%</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%">74%</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></div><div style="text-align:justify"><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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div><div style="margin-bottom:2pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"><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 2022</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:bottom"><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%">&#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:8pt;font-weight:400;line-height:120%">111</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%">1,538</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%">bp</span></td></tr><tr style="height:13pt"><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%">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%">0 %</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 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%">2 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 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:bottom"><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:bottom"><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:bottom"><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:bottom"><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%">0.71 %</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%">3.48 %</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%">5.52 %</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%">%</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:bottom"><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:bottom"><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%">26 %</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%">44 %</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%">58 %</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%">%</span></td></tr><tr style="height:15pt"><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%">Black 76</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%">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%">&#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%">&#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%">&#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%">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends (2)</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></tr><tr style="height:15pt"><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%">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%">(93 %)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:8pt;font-weight:400;line-height:120%">99 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 style="height:15pt"><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%">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%">7.81</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32.62</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98.71</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><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:bottom"><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:bottom"><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%">5.32</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%">11.93</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%">20.73</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%">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:bottom"><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%">0.25 %</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%">2 %</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%">18 %</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%">%</span></td></tr><tr style="height:24pt"><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%">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%">(100 %)</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%">100 %</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;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 style="height:21pt"><td colspan="3" style="border-bottom:0.25pt 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%">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%">51 %</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%">66 %</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%">76 %</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%">%</span></td></tr></table></div><div style="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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The range of unobservable dividends is too wide range to be relevant.</span></div><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_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock', window );">Financial assets level 3 Changes in the year [Table Text Block]</a></td>
<td class="text"><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%">2024</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%">2023</span></td><td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt;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%">2022 &#8317;&#185;&#8318;</span></div></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%">4,264</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,467</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,931</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,743</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,301</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,054</span></td></tr><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 &#8317;&#178;&#8318;</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%">490</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">113</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(131)</span></td></tr><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%">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%">&#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%">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%">(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:8pt;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:8pt;font-weight:400;line-height:120%">14</span></td></tr><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></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%">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:8pt;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: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%">374</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">782</span></td></tr><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%">(330)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(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:8pt;font-weight:400;line-height:120%">289</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:400;line-height:120%">74</span></td></tr><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%">(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:8pt;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:8pt;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:8pt;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:'Arial',sans-serif;font-size:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(50)</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%">4,843</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%">3,321</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%">4,264</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%">3,467</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%">3,931</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%">2,743</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(2) Profit or loss that is attributable to gains or losses relating to those financial assets and liabilities held as of December 31, 2024, 2023 and 2022. Valuation adjustments are recorded under the heading &#8220;Gains (losses) on financial assets and liabilities (net)&#8221;.</span></div><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_TransferBetweenLevelsTableTextBlock', window );">Transfer between levels [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 are at the following amounts in the consolidated balance sheets as of December 31, 2024, 2023 and 2022:</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 2024 (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%">115</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%">&#8212;</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%">1,238</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%">78</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%">16</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%">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: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%">68</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">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%">18</span></td></tr><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%">&#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</span></td><td colspan="3" style="padding:2px 1pt;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></tr><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%">1,425</span></td><td colspan="3" style="padding:2px 1pt;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%">1,348</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">170</span></td></tr><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%">&#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></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%">1,608</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">31</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">2,586</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">90</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">64</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">387</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%">107</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%">&#8212;</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%">461</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%">45</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%">11</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%">380</span></td></tr><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%">&#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%">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%">&#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%">121</span></td></tr><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%">&#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></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%">107</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%">&#8212;</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%">461</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%">346</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%">11</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%">501</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%">2023</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%">2022</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%">887</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%">34</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%">89</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%">666</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%">&#8212;</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%">497</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%">683</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%">1</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%">1,909</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%">340</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%">24</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%">911</span></td></tr><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%">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%">135</span></td><td colspan="3" style="padding:2px 1pt;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%">70</span></td><td colspan="3" style="padding:2px 1pt;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%">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%">&#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%">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%">2</span></td></tr><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%">&#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%">&#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%">123</span></td><td colspan="3" style="padding:2px 1pt;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></tr><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%">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%">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%">1,296</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%">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%">103</span></td><td colspan="3" style="padding:2px 1pt;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%">1,723</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%">&#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%">715</span></td><td colspan="3" style="padding:2px 1pt;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%">83</span></td></tr><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%">&#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%">&#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></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%">2,079</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">190</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,385</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">941</span></td><td colspan="3" style="background-color:#5AC4C4;border-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</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">740</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">2,407</span></td><td colspan="3" style="background-color:#5AC4C4;border-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</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">2,990</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">340</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">95</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">996</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%">596</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%">3</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%">36</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%">177</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%">1</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%">372</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%">524</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%">&#8212;</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%">239</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%">141</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%">&#8212;</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%">258</span></td></tr><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%">&#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%">660</span></td><td colspan="3" style="padding:2px 1pt;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%">262</span></td><td colspan="3" style="padding:2px 1pt;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%">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: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%">55</span></td></tr><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%">&#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%">&#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="3" style="padding:2px 1pt;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></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%">596</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%">3</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%">36</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%">837</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</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%">635</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%">524</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%">&#8212;</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%">239</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%">387</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%">&#8212;</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%">313</span></td></tr></table></div><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_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock', window );">Financial instruments level 3 sensitivity analysis [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 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 #000000;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 #000000;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 #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%">Most favorable hypothesis</span></td><td colspan="6" style="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%">Least favorable hypothesis</span></td><td colspan="6" style="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%">Most favorable hypothesis</span></td><td colspan="6" style="border-right: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: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 #000000;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%">2024</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:700;line-height:120%">2023</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:700;line-height:120%">2024</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:700;line-height:120%">2023</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:700;line-height:120%">2024</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:700;line-height:120%">2023</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:700;line-height:120%">2024</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:700;line-height:120%">2023</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 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%">Financial assets 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%">48</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%">21</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%">(89)</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%">(117)</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;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:bottom"><span style="color:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(61)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(22)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(83)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</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%">Non-trading financial assets mandatorily at fair value through profit or loss</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%">9</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%">5</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%">(85)</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%">(114)</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;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:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',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:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(78)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(92)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#b6b6b6;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:#b6b6b6;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:#b6b6b6;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:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</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%">Financial assets designated at fair value through profit or loss</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">48</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%">34</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%">(90)</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%">(89)</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%">57</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(173)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(230)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(90)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(89)</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 #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 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%">12</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%">13</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%">(13)</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%">(18)</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#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%">12</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</span></td></tr></table></div><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_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock', window );">Fair value of financial instruments at amortized cost by levels [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 fair value of the Group's financial instruments recognized at amortized cost in the consolidated balance sheets, broken down according to the valuation method used to determine their fair value, and their respective book value, as well as the main valuation techniques and inputs used for financial instruments classified in level 2 and level 3 as of December 31, 2024, 2023 and 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:98.046%"><tr><td style="width:1.0%"></td><td style="width:29.826%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.458%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.321%"></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%">Fair value of financial instruments recognized at amortized cost by levels.</span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2024 (Millions of Euros)</span></div></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td></tr><tr style="height:41pt"><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: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 presented as fair value &#8317;&#185;&#8318;</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%">Level 1</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%">Level 2</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%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #072146;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="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-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-left:0.25pt solid #ffffff;border-top:1pt solid #072146;padding:0 1pt"></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%">Cash, cash balances at central banks and other demand deposits</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%">9</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:7.5pt;font-weight:400;line-height:120%">51,145</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:7.5pt;font-weight:400;line-height:120%">51,145</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:7.5pt;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:7.5pt;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:7.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="background-color:#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:7.5pt;font-weight:400;line-height:120%">51,145</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">502,400</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:7.5pt;font-weight:400;line-height:120%">32,615</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:7.5pt;font-weight:400;line-height:120%">50,771</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">24,157</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:7.5pt;font-weight:400;line-height:120%">394,496</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:7.5pt;font-weight:400;line-height:120%">502,039</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">59,014</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">50,771</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:7.5pt;font-weight:400;line-height:120%">6,589</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:7.5pt;font-weight:400;line-height:120%">921</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">58,281</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="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></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-weight:400;line-height:120%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">443,386</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:7.5pt;font-weight:400;line-height:120%">32,615</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">17,568</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:7.5pt;font-weight:400;line-height:120%">393,575</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:7.5pt;font-weight:400;line-height:120%">443,759</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt 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="border-left:0.25pt 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></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%">Financial liabilities at amortized cost </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%">22</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:7.5pt;font-weight:400;line-height:120%">584,339</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:7.5pt;font-weight:400;line-height:120%">378,530</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:7.5pt;font-weight:400;line-height:120%">47,323</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:7.5pt;font-weight:400;line-height:120%">58,016</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:7.5pt;font-weight:400;line-height:120%">101,025</span></td><td colspan="3" style="background-color:#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:7.5pt;font-weight:400;line-height:120%">584,894</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="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></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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">496,720</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">360,777</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">37,647</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">98,038</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">496,461</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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">69,867</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">47,323</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">20,369</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">2,986</span></td><td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">70,679</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">17,753</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:7.5pt;font-weight:400;line-height:120%">17,753</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">17,753</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</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:98.046%"><tr><td style="width:1.0%"></td><td style="width:29.826%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.458%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.321%"></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%">Fair value of financial instruments recognized at amortized cost by levels. </span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2023 (Millions of Euros)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr style="height:41pt"><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: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 presented as fair value &#8317;&#185;&#8318;</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%">Level 1</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%">Level 2</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%">Level 3</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%">Total</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-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="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="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%">Cash, cash balances at central banks and other demand deposits</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%">9</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:7.5pt;font-weight:400;line-height:120%">75,416</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:7.5pt;font-weight:400;line-height:120%">75,416</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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;font-weight:400;line-height:120%">75,416</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">451,732</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:7.5pt;font-weight:400;line-height:120%">34,826</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:7.5pt;font-weight:400;line-height:120%">41,950</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:7.5pt;font-weight:400;line-height:120%">10,533</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:7.5pt;font-weight:400;line-height:120%">359,062</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:7.5pt;font-weight:400;line-height:120%">446,371</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">49,462</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">41,950</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:7.5pt;font-weight:400;line-height:120%">6,244</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:7.5pt;font-weight:400;line-height:120%">759</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:7.5pt;font-weight:400;line-height:120%">48,952</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="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></tr><tr><td colspan="3" style="background-color:#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%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">402,270</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">34,826</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">4,290</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:7.5pt;font-weight:400;line-height:120%">358,303</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:7.5pt;font-weight:400;line-height:120%">397,418</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></td><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:0 1pt"></td><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:0 1pt"></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%">Financial liabilities at amortized cost </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%">22</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:7.5pt;font-weight:400;line-height:120%">557,589</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:7.5pt;font-weight:400;line-height:120%">358,657</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:7.5pt;font-weight:400;line-height:120%">42,742</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:7.5pt;font-weight:400;line-height:120%">86,390</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:7.5pt;font-weight:400;line-height:120%">68,127</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:7.5pt;font-weight:400;line-height:120%">555,915</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="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></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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">473,835</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">343,611</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">1,269</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">62,049</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">64,601</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">471,530</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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">68,707</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">41,472</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">24,341</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">3,526</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">69,339</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">15,046</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:7.5pt;font-weight:400;line-height:120%">15,046</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:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;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:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">15,046</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div><div><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:29.826%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.458%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.321%"></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;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%">Fair value of financial instruments recognized at amortized cost by levels. </span></div><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%">December 2022 &#8317;&#185;&#8318; (Millions of Euros)</span></div></td><td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"></td><td colspan="3" rowspan="2" 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" rowspan="2" 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%">Book value</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:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td></tr><tr style="height:41pt"><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:1pt solid #000;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:8pt;font-weight:700;line-height:120%">Carrying amount presented as fair value &#8317;&#178;&#8318;</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%">Level 1</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%">Level 2</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%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #072146;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%">Total</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-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="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%">Cash, cash balances at central banks and other demand deposits</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%">9</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%">79,756</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%">79,756</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%">&#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:8pt;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:8pt;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:8pt;font-weight:400;line-height:120%">79,756</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%">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:#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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">414,421</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%">33,953</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,239</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,580</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%">342,194</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%">412,965</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,639</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-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:8pt;font-weight:400;line-height:120%">26,239</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-weight:400;line-height:120%">9,313</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-weight:400;line-height:120%">759</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-weight:400;line-height:120%">36,311</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="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></tr><tr><td colspan="3" style="background-color:#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%">Loans and advances</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">377,782</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-weight:400;line-height:120%">33,953</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-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:8pt;font-weight:400;line-height:120%">1,267</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-weight:400;line-height:120%">341,435</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-weight:400;line-height:120%">376,655</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></td><td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"></td><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:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></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%">Financial liabilities at amortized cost </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%">22</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%">529,172</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%">380,520</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%">40,752</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%">43,205</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%">61,118</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%">525,595</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="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></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%">Deposits</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">459,662</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">369,387</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,810</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,965</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,731</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">457,894</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%">Debt certificates issued</span></td><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;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,429</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;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="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,942</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,240</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,368</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,550</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,081</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:8pt;font-weight:400;line-height:120%">11,132</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,019</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-weight:400;line-height:120%">14,151</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(2) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial assets by levels, valuation techniques and inputs</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>Fair value of financial instruments [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>Fair value of financial instruments at amortized cost by levels</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>Fair value of financial instruments by levels</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial liabilities by levels, valuation techniques and inputs</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>Financial instruments level 3 Changes in the year</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>Financial instruments level 3 sensitivity analysis</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfer between levels</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>Unobservable inputs</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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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 9 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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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_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock', window );">Cash Cash Balances At Central Banks And Other Demand Deposits [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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></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%">8,636</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%">7,751</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%">6,533</span></td></tr><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%">Cash balances at central banks &#8317;&#185;&#8318; </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%">35,306</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,750</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67,314</span></td></tr><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%">7,202</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,916</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,909</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%">8.2</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51,145</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75,416</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79,756</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The variation is mainly due to the evolution of the balances held in the Bank of Spain.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360573012128">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 10 (Tables)<br></strong></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_bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract', window );"><strong>Financial assets and liabilities held for trading [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_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock', window );">Financial assets and liabilities held for trading [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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></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></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%">36,003</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%">34,293</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%">39,908</span></td></tr><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"> </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%">6,760</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,589</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404</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%">393</span></td><td colspan="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%">277</span></td><td colspan="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%">317</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%">6,367</span></td><td colspan="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%">4,312</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,086</span></td></tr><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%">27,955</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,569</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,367</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%">768</span></td><td colspan="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%">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:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821</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%">23,671</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,766</span></td><td colspan="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%">20,703</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%">1,665</span></td><td colspan="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%">1,824</span></td><td colspan="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%">1,365</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%">1,852</span></td><td colspan="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%">1,239</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,477</span></td></tr><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%">38,230</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,590</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,993</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%">556</span></td><td colspan="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%">2,809</span></td><td colspan="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%">1,632</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%">556</span></td><td colspan="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%">2,809</span></td><td colspan="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%">1,632</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%">20,938</span></td><td colspan="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%">56,599</span></td><td colspan="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%">25,231</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">(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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">20,918</span></td><td colspan="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%">56,569</span></td><td colspan="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%">25,201</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%">16,736</span></td><td colspan="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%">14,182</span></td><td colspan="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%">15,130</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%">15,108</span></td><td colspan="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%">13,615</span></td><td colspan="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%">14,832</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%">108,948</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">141,042</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">110,671</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></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%">33,059</span></td><td colspan="3" style="border-top:1pt solid #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%">33,045</span></td><td colspan="3" style="border-top:1pt solid #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%">37,909</span></td></tr><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%">13,878</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,735</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,487</span></td></tr><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%">39,654</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,935</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,215</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%">3,360</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,397</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,950</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%">3,360</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,397</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,950</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%">16,285</span></td><td colspan="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%">43,337</span></td><td colspan="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%">28,924</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%">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">(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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">15,994</span></td><td colspan="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%">42,676</span></td><td colspan="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%">28,573</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%">20,010</span></td><td colspan="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%">23,201</span></td><td colspan="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%">11,341</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%">19,913</span></td><td colspan="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%">23,157</span></td><td colspan="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%">11,302</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%">86,591</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">121,715</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,611</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) The variation is mainly due to the evolution of "Reverse repurchase agreement" of BBVA, S.A. partially offset by the evolution of "Repurchase agreement" principally of BBVA, S.A.</span></div><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_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock', window );">Derivatives by type of risk and by product or by type of market [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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 financial 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%">2024</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%">2023</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%">2022</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%">11,588</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%">9,627</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%">4,951,022</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%">15,251</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%">13,171</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%">4,741,629</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%">19,563</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%">18,220</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%">4,286,531</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%">11,579</span></td><td colspan="3" style="border-top:1pt solid #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%">9,622</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,930,657</span></td><td colspan="3" style="border-top:1pt solid #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%">15,248</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,167</span></td><td colspan="3" style="border-top:1pt solid #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%">4,722,314</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,558</span></td><td colspan="3" style="border-top:1pt solid #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%">18,215</span></td><td colspan="3" style="border-top:1pt solid #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%">4,278,249</span></td></tr><tr><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%">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:8pt;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:8pt;font-weight:400;line-height:120%">20,365</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:8pt;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:8pt;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:8pt;font-weight:400;line-height:120%">19,315</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,282</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%">2,944</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%">4,303</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%">75,045</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%">2,587</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%">3,723</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%">70,804</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%">3,067</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%">3,770</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%">76,749</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%">682</span></td><td colspan="3" style="border-top:1pt solid #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%">2,347</span></td><td colspan="3" style="border-top:1pt solid #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%">38,612</span></td><td colspan="3" style="border-top:1pt solid #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%">1,212</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,551</span></td><td colspan="3" style="border-top:1pt solid #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%">49,038</span></td><td colspan="3" style="border-top:1pt solid #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%">1,810</span></td><td colspan="3" style="border-top:1pt solid #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%">2,127</span></td><td colspan="3" style="border-top:1pt solid #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%">52,739</span></td></tr><tr><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%">2,261</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%">1,956</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,433</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,375</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:8pt;font-weight:400;line-height:120%">1,172</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,767</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,257</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,643</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,010</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%">21,060</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%">18,704</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%">825,158</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%">15,911</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%">15,608</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%">632,780</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%">16,971</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%">15,528</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%">589,705</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%">21,056</span></td><td colspan="3" style="border-top:1pt solid #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%">18,698</span></td><td colspan="3" style="border-top:1pt solid #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%">810,770</span></td><td colspan="3" style="border-top:1pt solid #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%">15,889</span></td><td colspan="3" style="border-top:1pt solid #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%">15,590</span></td><td colspan="3" style="border-top:1pt solid #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%">623,203</span></td><td colspan="3" style="border-top:1pt solid #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%">16,954</span></td><td colspan="3" style="border-top:1pt solid #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%">15,505</span></td><td colspan="3" style="border-top:1pt solid #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%">580,850</span></td></tr><tr><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%">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: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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,388</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,577</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,855</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%">386</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%">375</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%">42,799</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%">543</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%">542</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%">31,478</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%">299</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%">383</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%">43,450</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%">349</span></td><td colspan="3" style="border-top:1pt solid #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%">369</span></td><td colspan="3" style="border-top:1pt solid #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%">40,847</span></td><td colspan="3" style="border-top:1pt solid #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%">540</span></td><td colspan="3" style="border-top:1pt solid #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%">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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,844</span></td><td colspan="3" style="border-top:1pt solid #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%">293</span></td><td colspan="3" style="border-top:1pt solid #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%">282</span></td><td colspan="3" style="border-top:1pt solid #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%">41,760</span></td></tr><tr><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 spread option</span></td><td colspan="3" style="padding:2px 1pt;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%">&#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></tr><tr><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%">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: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%">1,952</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,475</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%">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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,665</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: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%">&#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%">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: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%">159</span></td><td colspan="3" style="padding:2px 1pt;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%">25</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%">Commodities</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%">25</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%">50</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%">1,939</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%">1</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%">1</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%">169</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%">9</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%">8</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%">60</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:#004580;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 #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%">36,003</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%">33,059</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%">5,895,964</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%">34,293</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%">33,045</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%">5,476,860</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%">39,908</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%">37,909</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%">4,996,495</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%">26,039</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%">23,135</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%">1,742,720</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%">23,998</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%">23,977</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%">1,463,433</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%">28,385</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%">26,454</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%">1,205,895</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%">3,383</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%">4,212</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%">3,914,640</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%">5,042</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%">4,412</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%">3,815,162</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%">5,745</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%">4,493</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%">3,587,546</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%">4,306</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%">3,744</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%">166,402</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%">3,854</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%">3,461</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%">147,310</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%">4,501</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%">5,290</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%">161,882</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivatives by type of risk and by product or by type of market</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>Financial assets and liabilities held for trading [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial assets and liabilities held for trading</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561711456">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 11 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract', window );"><strong>Non trading financial assets mandatorily at fair value through profit or loss [Abstract]</strong></a></td>
<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_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock', window );">Non trading financial assets at fair value through profit or loss mandatorily measured at fair value [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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="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"></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%">2024</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%">2023</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></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:0.05pt;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></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%">9,782</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%">7,963</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%">6,511</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%">407</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">484</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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></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</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%">358</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247</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%">10,546</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%">8,737</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%">6,888</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non trading financial assets at fair value through profit or loss mandatorily measured at fair value</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570909408">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 12 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock', window );">Financial Instruments Designated At Fair Value Through Profit Or Loss [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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></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%">836</span></td><td colspan="3" style="border-top:1pt solid #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%">955</span></td><td colspan="3" style="border-top:1pt solid #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%">913</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-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%">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:8pt;font-weight:400;line-height:120%">934</span></td><td colspan="3" style="border-top:1pt solid #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%">717</span></td><td colspan="3" style="border-top:1pt solid #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%">700</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 certificates issued</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:8pt;font-weight:400;line-height:120%">4,597</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,977</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,288</span></td></tr><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 financial liabilities: Unit-link products</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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,420</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,605</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,592</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"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></div></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%">14,952</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%">13,299</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%">10,580</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial Instruments Designated At Fair Value Through Profit Or Loss</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526521584">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 13 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract', window );"><strong>Financial assets at fair value through other comprehensive income [abstract]</strong></a></td>
<td class="text">&#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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock', window );">Financial assets at fair value through other comprehensive income [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 financial assets at fair value through other comprehensive income by type of financial instrument as of December 31, 2024, 2023 and 2022 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%">2024</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%">2023</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></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%">1,451</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%">1,217</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%">1,198</span></td></tr><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%">57,526</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,963</span></td><td colspan="3" style="border-left:1pt 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%">64,150</span></td></tr><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%">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%">26</span></td><td colspan="3" style="border-left:1pt 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%">26</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%">59,002</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,205</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">65,374</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%">(112)</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%">(84)</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%">(123)</span></td></tr></table></div>(1) During financial years 2024 and 2023, 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;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3).<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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock', window );">Financial assets at fair value through other comprehensive income equity instruments [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 balance sheets as of December 31, 2024, 2023 and 2022 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:41.118%"></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 style="width:1.0%"></td><td style="width:18.160%"></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 style="width:1.0%"></td><td style="width:18.160%"></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 style="width:1.0%"></td><td style="width:18.162%"></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%">Financial assets at fair value through other comprehensive income. Equity instruments (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="display:none"></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;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%">2024</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="padding: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%">2023</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="padding: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%">2022</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="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%">Listed equity instruments</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="border-top:1pt solid #000;padding:0 1pt"></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="border-top:1pt solid #000;padding:0 1pt"></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="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: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%">Spanish companies shares</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="border-left:1pt solid #FFFFFF;border-top:0.5pt 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%">1,100</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="border-left:1pt solid #FFFFFF;border-top:0.5pt 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%">987</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="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt 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%">960</span></td></tr><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%">Foreign companies shares</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="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:7pt;font-weight:400;line-height:120%">131</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="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:7pt;font-weight:400;line-height:120%">111</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="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:7pt;font-weight:400;line-height:120%">138</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%">Mexico</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></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:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">31</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%">The United States</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">79</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">52</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="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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">44</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%">Turkey</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">9</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">7</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 countries</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></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:right;vertical-align:bottom"><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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" 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:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">56</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 listed equity instruments</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="background-color:#5AC4C4;border-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%">1,231</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="background-color:#5AC4C4;border-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%">1,098</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="background-color:#5AC4C4;border-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%">1,098</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%">Unlisted equity instruments</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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></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="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: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%">Spanish companies shares</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="border-left:1pt solid #FFFFFF;border-top:0.5pt 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%">46</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="border-left:1pt solid #FFFFFF;border-top:0.5pt 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%">12</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="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:0.5pt 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%">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:7pt;font-weight:400;line-height:120%">Foreign companies shares </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="border-left:1pt solid #FFFFFF;border-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%">174</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="border-left:1pt solid #FFFFFF;border-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%">106</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="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:7pt;font-weight:400;line-height:120%">87</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="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="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 unlisted equity instruments</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="background-color:#5AC4C4;border-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%">220</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="background-color:#5AC4C4;border-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%">119</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="background-color:#5AC4C4;border-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%">100</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">1,451</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="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%">1,217</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="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%">1,198</span></td></tr></table></div><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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock', window );">Financial assets at fair value through other comprehensive income debt securities [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022, broken down by issuers, 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:41.118%"></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 style="width:1.0%"></td><td style="width:18.160%"></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 style="width:1.0%"></td><td style="width:18.160%"></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 style="width:1.0%"></td><td style="width:18.162%"></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%">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="3" style="display:none"></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;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2024</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="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%">2023 </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="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:7pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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-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%">Domestic debt securities</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="border-top:1pt solid #000;padding:0 1pt"></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="border-top:1pt solid #000;padding:0 1pt"></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="border-top:1pt solid #000;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%">Government and other government agency</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="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%">10,383</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="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%">13,757</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="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%">17,429</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="border-left:1pt solid #FFFFFF;border-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%">Credit institutions</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">695</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">901</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">854</span></td></tr><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 issuers</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">495</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-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%">11,475</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="background-color:#5AC4C4;border-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%">15,111</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="background-color:#5AC4C4;border-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%">18,779</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%">Foreign debt securities</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="border-top:1pt solid #FFFFFF;padding:0 1pt"></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="border-top:1pt solid #FFFFFF;padding:0 1pt"></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="border-top:1pt solid #FFFFFF;padding:0 1pt"></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%">Mexico</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="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:7pt;font-weight:700;line-height:120%">20,461</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="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:7pt;font-weight:700;line-height:120%">21,714</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="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:7pt;font-weight:700;line-height:120%">16,819</span></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%">Government and other government agency</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="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%">19,313</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="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%">20,364</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="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%">15,452</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="border-left:1pt solid #FFFFFF;border-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%">Credit institutions</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">759</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">777</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;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 issuers</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">389</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">464</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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">590</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="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="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="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="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-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%">The United States</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="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:7pt;font-weight:700;line-height:120%">6,552</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="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:7pt;font-weight:700;line-height:120%">6,344</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="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:7pt;font-weight:700;line-height:120%">5,202</span></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%">Government and other government agency</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="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%">3,703</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="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%">3,174</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="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%">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><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="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:7pt;font-weight:400;line-height:120%">Credit institutions</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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 issuers</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,808</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,082</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,393</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%">Turkey</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="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:7pt;font-weight:700;line-height:120%">2,849</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="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:7pt;font-weight:700;line-height:120%">2,459</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="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:7pt;font-weight:700;line-height:120%">3,858</span></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%">Government and other government agency</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="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%">2,837</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="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%">2,445</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="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%">3,858</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:7pt;font-weight:400;line-height:120%">Other issuers</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></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%">Other countries</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="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:7pt;font-weight:700;line-height:120%">16,190</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="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:7pt;font-weight:700;line-height:120%">15,336</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="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:7pt;font-weight:700;line-height:120%">19,493</span></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%">Other foreign governments and government agency</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="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%">10,059</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="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%">8,961</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="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%">10,340</span></td></tr><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%">Central banks</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">370</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">508</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,094</span></td></tr><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%">Credit institutions</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,921</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,895</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,167</span></td></tr><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 issuers</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,840</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,971</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,892</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-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%">46,052</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="background-color:#5AC4C4;border-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%">45,852</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="background-color:#5AC4C4;border-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%">45,372</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">57,526</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="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%">60,963</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="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%">64,150</span></td></tr></table></div><div style="margin-bottom:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock', window );">Financial assets at fair value through other comprehensive income debt securities by rating [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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: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%">2024</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%">2023 </span></td><td colspan="6" 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%">2022</span></div></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 1.18pt 2px 1pt;text-align:right;text-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-left:1pt solid #FFFFFF;border-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%">AAA</span></td><td colspan="3" style="border-top:1pt solid #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%">1,370</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:8pt;font-weight:400;line-height:120%">2.4&#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:8pt;font-weight:400;line-height:120%">&#160;%</span></td><td colspan="3" style="border-top:1pt solid #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%">1,000</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:8pt;font-weight:400;line-height:120%">1.6&#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:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #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%">3,339</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:8pt;font-weight:400;line-height:120%">5.2&#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: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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,170</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%">7.2&#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%">3,685</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%">6.0&#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%">490</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%">0.8&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">261</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%">0.5&#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%">384</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%">0.6&#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%">420</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%">0.7&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,061</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%">1.8&#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%">642</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%">1.1&#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%">501</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%">0.8&#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%">905</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%">1.6&#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%">1,798</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%">3.0&#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%">3,866</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%">6.0&#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%">2,007</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%">3.5&#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%">1,747</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%">2.9&#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%">1,725</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%">2.7&#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%">12,018</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%">20.9&#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%">16,009</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%">26.3&#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%">20,350</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%">31.7&#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%">19,897</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%">34.6&#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%">22,854</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%">37.5&#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%">17,252</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%">26.9&#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%">9,212</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%">16.0&#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%">8,327</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%">13.7&#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%">7,470</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%">11.6&#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%">922</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%">1.6&#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%">858</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%">1.4&#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%">1,111</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%">1.7&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,227</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%">9.1&#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%">3,480</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%">5.7&#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%">7,366</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%">11.5&#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%">474</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%">0.8&#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%">178</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%">0.3&#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%">258</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%">0.4&#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%">57,526</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%">100.0</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%">60,963</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%">100.0</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%">64,150</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%">100.0</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><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_AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock', window );">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]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 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%">2024</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%">2023</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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</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%">2024</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%">2023</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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</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: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%">(357)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(809)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,274</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,112)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,194)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,079)</span></td></tr><tr><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%">(568)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">659</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,049)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;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:8pt;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: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%">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%">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%">20</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%">&#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%">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%">(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: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%">101</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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:#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;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(576)</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(357)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(809)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(905)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,112)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,194)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534086528">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 14 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_FinancialAssetsAtAmortisedCostAbstract', window );"><strong>Financial Assets At Amortised Cost [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_FinancialAssetsAtAmortisedCostTableTextBlock', window );">Financial assets at amortised cost [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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%">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%">2023</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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; </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: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%">59,014</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%">49,462</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%">36,639</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%">6</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</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%">54,806</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,124</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,648</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%">2,459</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,366</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">400</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">923</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">602</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%">1,292</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,027</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">967</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%">8,255</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,151</span></td><td colspan="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%">4,401</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%">22,655</span></td><td colspan="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%">17,477</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,031</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 agreement</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%">9,157</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,786</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,251</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%">13,497</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,690</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,780</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%">412,477</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">377,643</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">357,351</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%">22,111</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,265</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,892</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%">17,497</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,251</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,765</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%">193,386</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171,063</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165,433</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%">179,483</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170,063</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">158,261</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%">502,400</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">451,732</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">414,421</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%">14,211</span></td><td colspan="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%">14,444</span></td><td colspan="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%">13,493</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%">(11,630)</span></td><td colspan="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%">(11,316)</span></td><td colspan="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%">(11,291)</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%">(57)</span></td><td colspan="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%">(82)</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%">(91)</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div><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_DebtSecuritiesAtAmortizedCostTableTextBlock', window );">Debt securities at amortized cost [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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:44.016%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.349%"></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 style="width:1.0%"></td><td style="width:18.744%"></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 style="width:1.0%"></td><td style="width:15.491%"></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></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 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="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:7pt;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:7pt;font-weight:700;line-height:120%">2023</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:right;text-indent:-0.18pt"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">Domestic debt securities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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 #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%">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:7pt;font-weight:400;line-height:120%">35,664</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="border-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%">25,857</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="border-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%">18,397</span></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:7pt;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:7pt;font-weight:400;line-height:120%">1,099</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,028</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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:7pt;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:7pt;font-weight:400;line-height:120%">367</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">230</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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: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:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,130</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="background-color:#5AC4C4;border-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%">27,114</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="background-color:#5AC4C4;border-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%">18,541</span></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 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%">Foreign debt securities</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%">21,884</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="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></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 #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%">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:7pt;font-weight:700;line-height:120%">4,139</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="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%">6,277</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="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%">4,222</span></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 #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%">Government and other government agencies</span></td><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%">4,076</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="border-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%">6,205</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="border-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%">4,198</span></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:7pt;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:7pt;font-weight:400;line-height:120%">63</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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 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%">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:7pt;font-weight:700;line-height:120%">2,505</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="padding:2px 1.18pt 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%">2,229</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="padding:2px 1.18pt 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%">2,215</span></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 #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%">Government and other government agencies</span></td><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%">2,463</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="border-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%">2,188</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="border-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%">2,159</span></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="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:7pt;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:7pt;font-weight:400;line-height:120%">20</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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:7pt;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:7pt;font-weight:400;line-height:120%">22</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></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 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%">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:7pt;font-weight:700;line-height:120%">6,764</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="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%">6,284</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="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%">5,332</span></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 #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%">Government and other government agencies</span></td><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%">6,622</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="border-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%">6,167</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="border-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%">5,325</span></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:7pt;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:7pt;font-weight:400;line-height:120%">7</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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:7pt;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:7pt;font-weight:400;line-height:120%">135</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">109</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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 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%">Other countries</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%">8,476</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="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%">7,558</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="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%">6,328</span></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 #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%">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:7pt;font-weight:400;line-height:120%">5,982</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="border-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%">4,707</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="border-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%">4,568</span></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:7pt;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:7pt;font-weight:400;line-height:120%">6</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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:7pt;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:7pt;font-weight:400;line-height:120%">1,269</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,239</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">345</span></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:7pt;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:7pt;font-weight:400;line-height:120%">1,219</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,591</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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,394</span></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: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:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,884</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="background-color:#5AC4C4;border-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%">22,348</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="background-color:#5AC4C4;border-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%">18,097</span></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</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%">59,014</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="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%">49,462</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="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%">36,639</span></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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_DebtSecuritiesByRatingTableTextBlock', window );">Debt securities by rating [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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><table style="border-collapse: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:7pt;font-weight:700;line-height:120%">2024</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%">2023</span></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:7pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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: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%">%</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%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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: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%">%</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%">Carrying amount</span><div><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;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: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%">%</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%">AAA</span></td><td colspan="3" style="border-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%">1,907</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%">3.2&#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><td colspan="3" style="border-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%">1,829</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%">3.7&#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><td colspan="3" style="border-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%">3,068</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%">8.4&#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%">AA+</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,418</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%">5.8&#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><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,096</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%">6.3&#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><td colspan="3" style="padding:2px 1pt;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="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%">0.6&#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%">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:7pt;font-weight:400;line-height:120%">69</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%">0.1&#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:7pt;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:7pt;font-weight:400;line-height:120%">142</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%">0.3&#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:7pt;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:7pt;font-weight:400;line-height:120%">82</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%">0.2&#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: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%">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:7pt;font-weight:400;line-height:120%">1,027</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%">1.7&#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:7pt;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:7pt;font-weight:400;line-height:120%">60</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%">0.1&#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:7pt;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:7pt;font-weight:400;line-height:120%">76</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%">0.2&#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: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%">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:7pt;font-weight:400;line-height:120%">22</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%">&#8212;&#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:7pt;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:7pt;font-weight:400;line-height:120%">25</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%">0.1&#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:7pt;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:7pt;font-weight:400;line-height:120%">13</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%">&#8212;&#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: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%">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:7pt;font-weight:400;line-height:120%">497</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%">0.8&#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:7pt;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:7pt;font-weight:400;line-height:120%">444</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%">0.9&#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:7pt;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:7pt;font-weight:400;line-height:120%">524</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%">1.4&#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: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%">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:7pt;font-weight:400;line-height:120%">34,652</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%">58.7&#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:7pt;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:7pt;font-weight:400;line-height:120%">24,739</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%">50.0&#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:7pt;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:7pt;font-weight:400;line-height:120%">17,050</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%">46.5&#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: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%">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:7pt;font-weight:400;line-height:120%">4,518</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%">7.7&#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:7pt;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:7pt;font-weight:400;line-height:120%">6,615</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%">13.4&#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:7pt;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:7pt;font-weight:400;line-height:120%">4,710</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%">12.9&#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: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%">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:7pt;font-weight:400;line-height:120%">4,105</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%">7.0&#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:7pt;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:7pt;font-weight:400;line-height:120%">4,551</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%">9.2&#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:7pt;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:7pt;font-weight:400;line-height:120%">4,091</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%">11.2&#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: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%">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:7pt;font-weight:400;line-height:120%">890</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%">1.5&#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:7pt;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:7pt;font-weight:400;line-height:120%">548</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%">1.1&#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:7pt;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:7pt;font-weight:400;line-height:120%">351</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%">1.0&#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: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%">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:7pt;font-weight:400;line-height:120%">7,199</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%">12.2&#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:7pt;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:7pt;font-weight:400;line-height:120%">6,642</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%">13.4&#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:7pt;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:7pt;font-weight:400;line-height:120%">5,789</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%">15.8&#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: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%">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:7pt;font-weight:400;line-height:120%">711</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%">1.2&#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:7pt;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:7pt;font-weight:400;line-height:120%">772</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%">1.6&#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:7pt;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:7pt;font-weight:400;line-height:120%">667</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%">1.8&#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: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</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%">59,014</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%">100.0</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><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%">49,462</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%">100.0</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><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%">36,639</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%">100.0</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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_LoansAndAdvancesToCustomersTableTextBlock', window );">Loans and advances to customers [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom: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 of the balance under this heading in the consolidated balance sheets, according to their nature, 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: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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">5,307</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%">3,040</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%">4,101</span></td></tr><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%">27,720</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,889</span></td><td colspan="3" style="border-left:1pt 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%">18,898</span></td></tr><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%">31,693</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,096</span></td><td colspan="3" style="border-left:1pt 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%">25,987</span></td></tr><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%">10,125</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,463</span></td><td colspan="3" style="border-left:1pt 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%">8,571</span></td></tr><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 agreement</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">262</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">102</span></td></tr><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%">331,451</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312,186</span></td><td colspan="3" style="border-left:1pt 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%">294,059</span></td></tr><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%">5,919</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,877</span></td><td colspan="3" style="border-left:1pt 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%">5,633</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%">412,477</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%">377,643</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%">357,351</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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock', window );">Loans and advances maturing in more than one year by interest rate fixed and floating [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom: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 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, 2024, 2023 and 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:19.855%"></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:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.689%"></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 103pt 2px 1pt;text-align:right;text-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="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-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="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-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="padding:0 1pt;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%">Domestic</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%">Foreign</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%">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:8pt;font-weight:700;line-height:120%">Domestic</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%">Foreign</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%">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:8pt;font-weight:700;line-height:120%">Domestic</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%">Foreign</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%">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%">67,284</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%">85,473</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%">152,757</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%">63,060</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%">77,381</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%">140,441</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%">59,394</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%">67,874</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%">127,269</span></td></tr><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%">62,359</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:8pt;font-weight:400;line-height:120%">65,493</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">127,851</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">66,188</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%">61,723</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">127,911</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69,647</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,440</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123,087</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%">129,642</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%">150,966</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%">280,608</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%">129,248</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%">139,104</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%">268,352</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%">129,042</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%">121,314</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%">250,356</span></td></tr></table></div><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_SecuritizedLoansTableTextBlock', window );">Securitized loans [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom: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 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%">2024</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%">2023</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%">2022</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%">19,537</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%">20,406</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%">23,290</span></td></tr><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%">8,702</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,493</span></td><td colspan="3" style="border-left:1pt 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%">5,495</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%">28,239</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%">28,899</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%">28,784</span></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtSecuritiesAtAmortizedCostTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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_DebtSecuritiesAtAmortizedCostTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></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_bbva_DebtSecuritiesByRatingTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 by rating</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_DebtSecuritiesByRatingTableTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Amortised Cost [Abstract]</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_FinancialAssetsAtAmortisedCostAbstract</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>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_FinancialAssetsAtAmortisedCostTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 maturing in more than one year by fixed interest rate and floating</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_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndAdvancesToCustomersTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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</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_LoansAndAdvancesToCustomersTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
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<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_bbva_SecuritizedLoansTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Securitized loans</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_SecuritizedLoansTableTextBlock</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
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<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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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>101
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360536806768">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 15 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract', window );"><strong>Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk [Abstract]</strong></a></td>
<td class="text">&#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_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock', window );">Derivatives Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 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%">2024</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%">2023</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></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%">1,158</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:8pt;font-weight:400;line-height:120%">1,482</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,891</span></td></tr><tr><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%">(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:8pt;font-weight:400;line-height:120%">(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:8pt;font-weight:400;line-height:120%">(148)</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%">2,503</span></td><td colspan="3" style="padding:2px 1pt;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%">3,303</span></td></tr><tr><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%">&#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></tr></table></div><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_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock', window );">Derivatives Hedge accounting breakdown by type of risk and type of hedge [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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:99.893%"><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:6.295%"></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:8.610%"></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%">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="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="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%">2024</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%">2023</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%">2022</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:0 1pt;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%">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%">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%">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%">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%">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%">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:0 1pt;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:8pt;font-weight:700;line-height:120%">257</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%">344</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%">422</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%">364</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%">656</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%">376</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: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%">257</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%">344</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%">422</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%">364</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%">656</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%">376</span></td></tr><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: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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 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%">Equity</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:700;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #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%">&#8212;</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:700;line-height:120%">&#8212;</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: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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#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: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: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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 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%">Foreign exchange and gold</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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73</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%">93</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%">221</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%">31</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%">259</span></td><td colspan="3" style="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:8pt;font-weight:700;line-height:120%">83</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-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%">73</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%">93</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%">221</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%">31</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%">259</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%">83</span></td></tr><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-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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 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%">Credit</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:700;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:700;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:700;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:700;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:700;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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:700;line-height:120%">&#8212;</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%">Commodities</span></td><td colspan="3" style="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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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%">Other</span></td><td colspan="3" style="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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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%">FAIR VALUE HEDGES</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 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">330</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%">437</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%">644</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%">395</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%">915</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%">459</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:0 1pt;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:8pt;font-weight:700;line-height:120%">618</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%">1,513</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%">490</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%">2,048</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%">470</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%">2,763</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-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%">615</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%">1,513</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%">483</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%">2,048</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%">454</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%">2,763</span></td></tr><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-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%">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: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%">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: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%">16</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 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%">Equity</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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 #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%">Foreign exchange and gold</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 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">142</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%">431</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%">291</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%">41</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%">239</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%">46</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-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%">142</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%">431</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%">291</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%">41</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%">239</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%">45</span></td></tr><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-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%">&#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%">&#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%">&#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%">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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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</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:8pt;font-weight:700;line-height:120%">Credit</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%">&#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%">&#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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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 #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%">Commodities</span></td><td colspan="3" style="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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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%">Other</span></td><td colspan="3" style="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:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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:8pt;font-weight:700;line-height:120%">&#8212;</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%">CASH FLOW HEDGES</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 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">760</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%">1,944</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%">781</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%">2,089</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%">708</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%">2,809</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%">HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION</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 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">66</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%">122</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%">27</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%">136</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%">213</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%">26</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:0 1pt;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:8pt;font-weight:700;line-height:120%">2</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%">&#8212;</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%">3</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%">5</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%">7</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%">8</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:0 1pt;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:8pt;font-weight:700;line-height:120%">&#8212;</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%">&#8212;</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%">27</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%">&#8212;</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%">48</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%">1</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 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.1</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%">1,158</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%">2,503</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%">1,482</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%">2,625</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%">1,891</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%">3,303</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:#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-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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">932</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%">2,005</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%">1,237</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%">2,404</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%">1,577</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%">2,911</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%">of which: <br/>OTC - other financial corporations</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">223</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%">499</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%">237</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%">221</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%">297</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%">391</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></table></div><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_HedgedItemsInFairValueHedgesTableTextBlock', window );">Hedged items in fair value hedges [Table Text Block]</a></td>
<td class="text"><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%">Below there is a breakdown of the items covered by fair value hedges:</span></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: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:6.295%"></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:6.450%"></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:5.833%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.841%"></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: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;text-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="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%">Hedge adjustments included in the carrying amount of assets/liabilities &#8317;&#185;&#8318;</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%">Remaining adjustments for discontinued micro hedges including hedges of net positions &#8317;&#185;&#8318;</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%">Hedged items in portfolio hedge of interest rate risk</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%">Recognized ineffectiveness in profit or loss</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;text-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="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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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:8pt;font-weight:700;line-height:120%">2024</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:8pt;font-weight:700;line-height:120%">2023</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><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><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><td colspan="3" style="background-color:#5AC4C4;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:#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="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%">10,449</span></td><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%">11,308</span></td><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%">(409)</span></td><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%">(652)</span></td><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%">155</span></td><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%">172</span></td><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%">&#8212;</span></td><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%">&#8212;</span></td><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%">16</span></td><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%">(5)</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%">Debt securities</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%">10,449</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%">11,308</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%">(409)</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%">(652)</span></td><td colspan="3" style="background-color:#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%">155</span></td><td colspan="3" style="background-color:#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%">172</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">10,446</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%">11,308</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%">(409)</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%">(652)</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%">155</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%">172</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%">&#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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-left: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%">&#8212;</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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:8pt;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:8pt;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:8pt;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:8pt;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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-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</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="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="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%">&#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: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:#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;padding:2px 1pt;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;padding:2px 1pt;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:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">&#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:8pt;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:8pt;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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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;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%">&#8212;</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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:#929292;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;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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-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%">Financial assets measured at amortized cost</span></td><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%">3,003</span></td><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%">3,248</span></td><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%">(16)</span></td><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%">(114)</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%">519</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%">685</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%">753</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%">936</span></td><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%">(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%">14</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%">Debt securities</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%">2,232</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%">2,304</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%">(48)</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%">(119)</span></td><td colspan="3" style="background-color:#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%">519</span></td><td colspan="3" style="background-color:#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%">685</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">2,232</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%">2,304</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%">(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:8pt;font-style:italic;font-weight:400;line-height:120%">(119)</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%">519</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%">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%">&#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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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;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%">&#8212;</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-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</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%">771</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%">944</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%">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: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:#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;padding:2px 1pt;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">936</span></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-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%">Interest rate</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%">757</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%">944</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%">32</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%">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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">753</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%">936</span></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-left: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%">Foreign exchange and gold</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%">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:8pt;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:8pt;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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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="background-color:#5AC4C4;border-left:1pt solid #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;border-left:1pt solid #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><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><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;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:0 1pt"></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:#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 #5ac4c4;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%">45,613</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">47,180</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">96</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">509</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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%">1</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">(5)</span></td><td colspan="3" style="border-top:1pt solid #5ac4c4;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%">(20)</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%">Debt securities issued</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%">42,521</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%">37,916</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%">172</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%">600</span></td><td colspan="3" style="background-color:#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%">1</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#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%">&#8212;</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">42,521</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%">37,915</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%">172</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%">600</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%">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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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;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</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-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%">Deposits</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%">3,092</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%">9,263</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%">(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:8pt;font-weight:400;line-height:120%">(91)</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%">&#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: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:#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;padding:2px 1pt;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:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</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%">3,092</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%">9,258</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%">(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:8pt;font-style:italic;font-weight:400;line-height:120%">(91)</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%">&#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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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-left: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%">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:#929292;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;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</span></td><td colspan="3" style="border-left: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%">&#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:8pt;font-style:italic;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-style:italic;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-style:italic;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-style:italic;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-style:italic;font-weight:400;line-height:120%">&#8212;</span></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>(1) The balance of discontinued hedges is not significant.<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_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock', window );">Calendar of the notional maturities of the hedging instruments [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024:</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:right;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:right;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:right;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:right;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:right;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%">5,183</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%">10,799</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%">23,509</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%">20,530</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%">60,021</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">5,160</span></td><td colspan="3" style="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%">10,650</span></td><td colspan="3" style="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%">22,903</span></td><td colspan="3" style="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%">20,023</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">58,735</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%">4,280</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%">16,775</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%">13,346</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%">5,286</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%">39,687</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">4,280</span></td><td colspan="3" style="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%">16,577</span></td><td colspan="3" style="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%">11,689</span></td><td colspan="3" style="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%">2,801</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">35,348</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%">12,222</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%">861</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%">&#8212;</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%">150</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%">13,234</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%">893</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%">179</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%">1,364</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%">406</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%">2,841</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">47</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%">47</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%">22,579</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%">28,614</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%">38,218</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%">26,419</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%">115,830</span></td></tr></table></div><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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537944432">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 16 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract', window );"><strong>Investments in subsidiaries, joint ventures and associates reported in separate financial statements [abstract]</strong></a></td>
<td class="text">&#160;<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_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock', window );">Investments In Subsidiaries Joint Ventures And Associates [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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;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><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%">2024</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%">2023</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></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:8pt;font-weight:700;line-height:120%">Joint ventures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"><span><br/></span></div></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%">38</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%">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:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42</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%">37</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">36</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%">19</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">94</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</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%">Associates</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;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;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">300</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%">259</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%">259</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%">265</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">251</span></td><td colspan="3" style="border-left:1pt 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%">248</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%">Atom Holdco Limited</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">222</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">132</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%">20</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">20</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 C.V.</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">23</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%">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:8pt;font-weight:400;line-height:120%">105</span></td><td colspan="3" style="border-left:1pt 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%">134</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%">895</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">883</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">816</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%">989</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">976</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">916</span></td></tr></table></div><span></span>
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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_JointVenturesAndAssociatesChangesInTheYearTableTextBlock', window );">Joint ventures and associates changes in the year [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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%">2024</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%">2023</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></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%">976</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">916</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">900</span></td></tr><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%">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%">95</span></td><td colspan="3" style="border-left:1pt 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%">87</span></td></tr><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%">(28)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(88)</span></td></tr><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%">(69)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">40</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;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-left:1pt 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%">21</span></td></tr><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%">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: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="border-left:1pt 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)</span></td></tr><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%">Impairment / reversal of impairment &#8317;&#185;&#8318;</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%">63</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">42</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%">Dividends, valuation adjustments and other</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%">(5)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></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%">989</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%">976</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%">916</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) See Note 16.3.</span></div><span></span>
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537624976">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 17 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_TangibleAssetsAbstract', window );"><strong>Tangible Assets [Abstract]</strong></a></td>
<td class="text">&#160;<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_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock', window );">Tangible Assets Breakdown By Type Of Asset [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, and changes in, the balances under 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 2024 (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%">6,405</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%">199</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%">6,424</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%">2,212</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%">238</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%">156</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%">800</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%">16,432</span></td></tr><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%">295</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">513</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">574</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">369</span></td><td colspan="3" style="border-left:1pt 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%">1,914</span></td></tr><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%">(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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(332)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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:7pt;font-weight:400;line-height:120%">(566)</span></td></tr><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 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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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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:7pt;font-weight:400;line-height:120%">145</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(5)</span></td></tr><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%">Exchange difference and other</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"> </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%">(192)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(145)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(208)</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%">6,475</span></td><td colspan="3" 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%">155</span></td><td colspan="3" 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%">6,848</span></td><td colspan="3" 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%">2,439</span></td><td colspan="3" 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%">251</span></td><td colspan="3" 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%">241</span></td><td colspan="3" 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%">1,158</span></td><td colspan="3" 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%">17,567</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%">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%">1,226</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%">&#8212;</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%">4,606</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%">906</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%">93</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%">17</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%">49</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%">6,896</span></td></tr><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%">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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">501</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">972</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">(87)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(161)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">10</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">5</span></td></tr><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%">(56)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">111</span></td><td colspan="3" style="border-left:1pt 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%">(165)</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%">1,262</span></td><td colspan="3" 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%">4,850</span></td><td colspan="3" 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%">1,164</span></td><td colspan="3" 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</span></td><td colspan="3" 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</span></td><td colspan="3" 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%">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%">7,547</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%">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%">166</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%">&#8212;</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%">&#8212;</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%">40</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%">61</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%">15</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%">&#8212;</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%">283</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%">(65)</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%">&#8212;</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%">2</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%">(18)</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%">20</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%">31</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</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%">(29)</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">(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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">(5)</span></td></tr><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%">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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">13</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%">118</span></td><td colspan="3" 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%">22</span></td><td colspan="3" 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</span></td><td colspan="3" 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%">39</span></td><td colspan="3" 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%">260</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%">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><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%">5,013</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%">199</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%">1,817</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%">1,266</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%">84</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%">124</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%">751</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%">9,253</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%">5,094</span></td><td colspan="3" 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%">155</span></td><td colspan="3" 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%">1,999</span></td><td colspan="3" 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%">1,253</span></td><td colspan="3" 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</span></td><td colspan="3" 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%">174</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #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%">1,004</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:7pt;font-weight:700;line-height:120%">9,759</span></td></tr></table></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:25.402%"></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:7.066%"></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="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 2023 (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%">6,255</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%">93</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%">5,833</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%">1,871</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%">214</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%">242</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%">582</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%">15,089</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">190</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">549</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">499</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">238</span></td><td colspan="3" style="border-left:1pt 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%">1,795</span></td></tr><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%">(19)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(117)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(195)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt 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%">(349)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">12</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(22)</span></td></tr><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%">(113)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">118</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(115)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(79)</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%">6,405</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">199</span></td><td colspan="3" 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%">6,424</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:7pt;font-weight:700;line-height:120%">2,212</span></td><td colspan="3" 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%">238</span></td><td colspan="3" 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%">156</span></td><td colspan="3" 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%">800</span></td><td colspan="3" 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%">16,432</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%">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%">1,064</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%">&#8212;</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%">4,204</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%">653</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%">70</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%">23</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%">52</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%">6,066</span></td></tr><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%">121</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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: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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt 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%">867</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">(73)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(111)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(11)</span></td></tr><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%">52</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt 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%">85</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%">1,226</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">4,606</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">906</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">93</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">17</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">49</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">6,896</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%">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%">154</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%">&#8212;</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%">&#8212;</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%">65</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%">50</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%">17</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%">&#8212;</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%">286</span></td></tr><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%">15</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt 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%">16</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(18)</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%">166</span></td><td colspan="3" 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%">40</span></td><td colspan="3" 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%">61</span></td><td colspan="3" 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%">15</span></td><td colspan="3" 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%">283</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%">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><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%">5,036</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%">93</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%">1,629</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%">1,153</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%">94</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%">201</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%">530</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%">8,737</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%">5,013</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%">199</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%">1,817</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%">1,266</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%">84</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%">124</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%">751</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%">9,253</span></td></tr></table></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:25.556%"></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: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 2022 (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" 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: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></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%">4,350</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%">67</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%">5,388</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%">3,154</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%">162</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%">147</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%">267</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%">13,535</span></td></tr><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%">366</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">578</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">19</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">95</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,726</span></td></tr><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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">(140)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,620)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(1,784)</span></td></tr><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 &#8317;&#185;&#8318;</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%">1,392</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">1,392</span></td></tr><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%">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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(54)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(274)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(360)</span></td></tr><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 &#8317;&#178;&#8318;</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%">171</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">193</span></td><td colspan="3" style="border-left:1pt 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%">580</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%">6,255</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">93</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">5,833</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,871</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">214</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">242</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">582</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">15,089</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%">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%">900</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%">&#8212;</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%">3,833</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%">811</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%">47</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%">17</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%">33</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%">5,641</span></td></tr><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%">108</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">295</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">18</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">818</span></td></tr><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 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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;font-weight:400;line-height:120%">(132)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(244)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(392)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">11</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(220)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(139)</span></td></tr><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%">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:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">59</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">138</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%">1,064</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">4,204</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">653</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">70</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">23</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">52</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">6,066</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%">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%">114</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%">&#8212;</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%">&#8212;</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%">427</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%">34</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%">21</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%">&#8212;</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%">596</span></td></tr><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%">(29)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(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: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%">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%">&#8212;</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%">(53)</span></td></tr><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-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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(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:7pt;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:7pt;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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">13</span></td></tr><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%">70</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(309)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(270)</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%">154</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">65</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">50</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">17</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">286</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%">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><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%">3,336</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%">67</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%">1,555</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%">1,916</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%">81</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%">109</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%">234</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%">7,298</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%">5,036</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%">93</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%">1,629</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%">1,153</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%">94</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%">201</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%">530</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%">8,737</span></td></tr></table></div><div style="text-align:justify"><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%">The amount in 2022 was affected by 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: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 BBVA Group.</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%">(2) </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">The variation in 2022 corresponds mainly to the effect of the IAS 29 "Financial Reporting in Hyperinflationary Economies" implementation in Turkey (see Note</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"> 2.2.18).</span></div><span></span>
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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_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock', window );">Tangible assets by Spanish and foreign subsidiaries net assets values [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 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: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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">4,129</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%">4,183</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%">4,285</span></td></tr><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%">5,630</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,071</span></td><td colspan="3" style="border-left:1pt 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%">4,452</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%">9,759</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%">9,253</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%">8,737</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) The number of branches in 2022 was affected by 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.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tangible Assets [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tangible Assets Breakdown By Type Of Asset</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tangible assets by Spanish and foreign subsidiaries net assets values</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571071616">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 18 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_IntangibleAssetsAndGoodwillAbstract', window );"><strong>Intangible assets and goodwill [abstract]</strong></a></td>
<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_ReconciliationOfChangesInGoodwillTableTextBlock', window );">Reconciliation Of Changes In Goodwill [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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;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:38.714%"></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:8.936%"></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%">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="padding:2px 1pt;text-align:right;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"> (1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;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:right;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:right;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:right;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></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, 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:8pt;font-weight:700;line-height:120%">504</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">152</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">134</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">818</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%">&#8212;</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="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="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="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%">&#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: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%">55</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="padding:2px 1pt;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</span></td></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></tr><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%">&#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%">(152)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">&#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%">&#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%">(152)</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, 2022</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">559</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">118</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">707</span></td></tr><tr><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="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="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="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="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="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%">&#8212;</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%">64</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">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%">(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%">&#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%">88</span></td></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></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%">&#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%">&#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%">&#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%">&#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%">&#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></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, 2023</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">623</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">795</span></td></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></tr><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%">(82)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(11)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95)</span></td></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></tr><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%">&#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%">&#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%">&#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%">&#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%">&#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></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, 2024</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%">541</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%">&#8212;</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%">132</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</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%">4</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">700</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) As a result of the application of IAS 29, as indicated in Note 2.2.18, the book value of the Turkish CGU exceeded the existing recoverable value, so on January 1, 2022 the goodwill as well as other intangible assets assigned to the Turkish CGU were derecognized.</span></div><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_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock', window );">Impairment test assumptions CGU goodwill in Mexico [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 goodwill corresponds to the CGU in Mexico, the main significant assumptions used in the impairment test of this CGU as of December 31, 2024, 2023 and 2022 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;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%">Impairment test assumptions CGU goodwill in Mexico </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%">2024</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%">2023</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></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%">Discount rate</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="2" style="border-left: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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18.3&#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:8pt;font-weight:400;line-height:120%">&#160;%</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.4&#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:8pt;font-weight:400;line-height:120%">&#160;%</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.7&#160;</span></td><td style="border-right:1pt solid #FFFFFF;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:8pt;font-weight:400;line-height:120%">&#160;%</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.5&#160;</span></td><td style="border-bottom:1pt solid #FFFFFF;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="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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.6&#160;</span></td><td style="border-bottom:1pt solid #FFFFFF;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="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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.3&#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: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></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) After tax discount rates.</span></div><span></span>
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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_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock', window );">Sensitivity analysis for main assumptions Mexico [Table Text Block]</a></td>
<td class="text"><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 fifth 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, 2024, 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%">(3&#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%">3&#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%">2&#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%">(2&#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="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(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.</span></div><span></span>
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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_OtherIntangibleAssetsTableTextBlock', window );">Other Intangible Assets [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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></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%">1,764</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%">1,535</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%">1,393</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%">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:#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-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</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%">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%">25</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%">43</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%">1,790</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%">1,568</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%">1,449</span></td></tr></table></div><span></span>
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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_ChangesInOtherIntangibleAssetsTableTextBlock', window );">Changes in other intangible assets [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022, 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:right;vertical-align:middle"><span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="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%">2023</span></td><td colspan="3" style="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-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:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="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%">2023</span></td><td colspan="3" style="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-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:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="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%">2023</span></td><td colspan="3" style="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></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%">1,535</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,396</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,239</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%">33</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">56</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">140</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%">1,568</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,453</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,379</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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: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-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%">11</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">782</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">689</span></td><td colspan="3" style="border-left:1pt 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%">592</span></td></tr><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%">(543)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(518)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(490)</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%">(18)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(510)</span></td></tr><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"> </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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</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%">&#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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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: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%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</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%">(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:7pt;font-weight:400;line-height:120%">(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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(63)</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%">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: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-left:1pt 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%">17</span></td></tr><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%">(15)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</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%">(15)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(25)</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%">1,764</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%">1,535</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%">1,396</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%">26</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%">33</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%">56</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%">1,790</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%">1,568</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%">1,453</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Changes in other intangible 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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment test assumptions CGU goodwill in Mexico</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Intangible 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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reconciliation Of Changes In Goodwill</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity analysis for main assumptions Mexico</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">
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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">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537806800">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 19 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_TaxAssetsAndLiabiltiesAbstract', window );"><strong>Tax Assets And Liabilties [Abstract]</strong></a></td>
<td class="text">&#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_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock', window );">Reconciliation of taxation at the Spanis corporation tax rate to the tax expense recorded for the year [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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="padding:2px 1pt;text-align:center;text-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="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%">2023</span></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%">2022 &#8317;&#185;&#8318; </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-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%">15,405</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%">12,419</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%">10,268</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%">15,405</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%">12,419</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%">10,268</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">4,622</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%">3,726</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%">3,080</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 &#8317;&#178;&#8318;</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%">193</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%">2</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%">317</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%">(180)</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%">28&#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%">(194)</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%">27&#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%">(203)</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%">26&#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></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%">Chile </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%">(2)</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%">23&#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%">(4)</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%">11&#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%">(8)</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%">13&#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></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%">Colombia </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%">(1)</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%">29&#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%">(25)</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%">14&#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%">24</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%">37&#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></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%">Peru </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%">(44)</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%">23&#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%">(55)</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%">20&#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%">(16)</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%">27&#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></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%">Turkey</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%">498</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%">62&#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%">314</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%">57&#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%">621</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%">70&#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></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%">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%">(14)</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%">26&#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%">5</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%">33&#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%">17</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%">17&#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></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%">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%">(64)</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%">(39)</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%">(118)</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%">(44)</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%">(26)</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%">(25)</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%">(14)</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%">(8)</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%">(6)</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 &#8317;&#179;&#8318;</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%">73</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%">309</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%">139</span></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:#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%">4,830</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%">4,003</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%">3,505</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%">4,830</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%">4,003</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%">3,505</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%">&#8212;</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%">&#8212;</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%">&#8212;</span></td><td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</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%">(2) 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.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Regarding 2024, it shows the net impact of several tax effects that include, among others, (i) the accounting record of the impact associated with the declaration of unconstitutionality of certain measures relating to the Spanish Corporate Income Tax introduced by Royal Decree-Law 3/2016, as well as the impact of some of the measures introduced by Law 7/2024 on Corporate Income Tax that, in particular, are aimed at reinstating the measures declared unconstitutional, (ii) the non-deductibility of the temporary taxation of credit institutions recorded for accounting purposes in the year 2024 (see Note 19.6), and (iii) the effects of the limitation of the exemption on intra-group dividends and the withholding taxes associated with them.</span></div><span></span>
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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_EffectiveTaxRateTableTextBlock', window );">Effective tax rate [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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%">4,810</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%">2,601</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%">2,206</span></td></tr><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%">(41)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(462)</span></td></tr><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%">10,636</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,812</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,524</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%">15,405</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,419</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%">10,268</span></td></tr><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%">Tax expense or income related to profit or loss from continuing operations &#8317;&#178;&#8318;</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%">4,830</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,003</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,505</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%">31.4</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%">32.2</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%">34.1</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><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In 2024, &#8364;3,970 million and &#8364;860 million corresponded to current tax expenses and deferred tax expenses, respectively.</span></div><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_TaxAssetsAndLiabilitiesTableTextBlock', window );">Tax assets and liabilities [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#178;&#8318;</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: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 &#8317;&#185;&#8318;</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%">4,295</span></td><td colspan="3" style="border-top:1pt solid #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%">2,860</span></td><td colspan="3" style="border-top:1pt solid #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%">1,978</span></td></tr><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%">14,354</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,641</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,747</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%">534</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%">445</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%">422</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%">1,335</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%">1,069</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%">1,478</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%">2,158</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%">2,127</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%">1,834</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%">1,495</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%">1,467</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%">1,261</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%">7,979</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%">8,534</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%">8,689</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%">853</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%">999</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%">1,063</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%">18,650</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,501</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,725</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 &#8317;&#185;&#8318;</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%">575</span></td><td colspan="3" style="border-top:1pt solid #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%">878</span></td><td colspan="3" style="border-top:1pt solid #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%">1,415</span></td></tr><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%">2,458</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,677</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,520</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%">915</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%">761</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%">557</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%">1,543</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%">916</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%">963</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%">3,033</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%">2,554</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%">2,935</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In 2024, the increase in current tax assets corresponds mainly to a higher tax receivable of the tax group in Spain, as well as in Mexico and Colombia, in relation to the Corporate Income Tax for the year 2024 related to the installment payments made in the year. On the other hand, the decrease in current tax liabilities corresponds mainly to the decrease in the tax payable in Mexico and Argentina in relation to the estimated income tax for the year 2023.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock', window );">Deferred tax assets and liabilities annual variations [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 were derived from the following items:</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: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%">2024</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%">2023</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%">2022&#8317;&#185;&#8318;</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 #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%">Deferred assets</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%">Deferred liabilities</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%">Deferred assets</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%">Deferred liabilities</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%">Deferred assets</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%">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%">14,641</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%">1,677</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%">14,747</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%">1,520</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%">14,917</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%">1,769</span></td></tr><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%">89</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-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%">266</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(409)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(567)</span></td></tr><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%">31</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">293</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">158</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-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%">28</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">627</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">206</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">318</span></td></tr><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%">Secured 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%">(555)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(155)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(615)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-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%">(146)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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%">&#8212;</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%">14,354</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%">2,458</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%">14,641</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%">1,677</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%">14,747</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%">1,520</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_SecuredTaxAssetsTableTextBlock', window );">Secured tax assets [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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 deferred tax assets shown above, the table below shows the amounts guaranteed by the Spanish government, broken down by the items that originated the relevant assets:</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%">2024</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%">2023</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></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%">1,622</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,622</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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,622</span></td></tr><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%">6,357</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:8pt;font-weight:400;line-height:120%">6,912</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,067</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%">7,979</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%">8,534</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%">8,689</span></td></tr></table></div><span></span>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred tax assets and liabilities annual variations</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">
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<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EffectiveTaxRateTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effective tax rate</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">
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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>Reconciliation of taxation at the Spanish corporation tax rate to the tax expense recorded for the year</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_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock</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>Secured 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">
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<td><strong> Name:</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 );">- Definition</a><div><p>Tax 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">
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<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax Assets And Liabilties [Abstract]</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360536804272">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 20 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_OtherAssetsAndLiabilitiesAbstract', window );"><strong>Other Assets And Liabilities [Abstract]</strong></a></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_OtherAssetsAndLiabilitiesTableTextBlock', window );">Other assets and liabilities [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 balances of these headings of 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:99.585%"><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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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"><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%">Inventories &#8317;&#178;&#8318; </span></div></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%">1,299</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%">276</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%">325</span></td></tr><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%">482</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%">41</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%">93</span></td></tr><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%">1,862</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%">1,368</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%">1,461</span></td></tr><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%">1,881</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%">1,174</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%">706</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%">5,525</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%">2,859</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,586</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%">306</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%">133</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%">44</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%">3,066</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%">2,878</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%">2,595</span></td></tr><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></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%">1,997</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%">2,466</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%">2,269</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%">5,370</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,477</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,909</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div>(2) The variation in 2024 corresponds mainly to the acquisition of land plots from the Group's real estate company Crea Madrid Nuevo Norte, S.A. in relation to an urban planning operation in Madrid.<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Assets And Liabilities [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>Other assets and liabilities</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360539741248">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 21 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract', window );"><strong>Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [abstract]</strong></a></td>
<td class="text">&#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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock', window );">Non Current Assets And Disposal Groups Classified As Held For Sale Breakdown By Items [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom: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 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%">2024</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%">2023</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></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%">847</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%">943</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%">1,070</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,026</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,063</span></td></tr><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%">55</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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">(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%">(46)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(84)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td></tr><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%">(645)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,005)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,057)</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%">828</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">923</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,022</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"> </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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">&#8212;</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The variation in 2024 is mainly due to sales of properties by the companies Tree Investments Inmobiliarias, SOCIMI, SA and Banco Bilbao Vizcaya Argentaria, S.A. </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%">(2) Corresponds to the accumulated depreciation of assets before their classification as "Non-current assets and disposal groups classified as held for sale".</span></div><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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock', window );">Non current assets and disposal groups classified as held for sale changes in the year [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom: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 changes in the balances of &#8220;Non-current assets and disposal groups classified as held for sale&#8221; in 2024, 2023 and 2022, 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:99.893%"><tr><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: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: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: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:4.603%"></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></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 #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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: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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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: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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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: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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></td><td colspan="3" style="border-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:700;line-height:120%">2023</span></td><td colspan="3" style="border-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:700;line-height:120%">2022</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%">943</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%">1,070</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%">1,218</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%">943</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%">970</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%">452</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%">43</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%">39</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%">41</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%">1,928</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%">2,078</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%">1,711</span></td></tr><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%">250</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">190</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">211</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">18</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">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:6pt;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: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="border-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">283</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">192</span></td><td colspan="3" style="border-left:1pt 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%">214</span></td></tr><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 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-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">592</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">592</span></td></tr><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%">Retirements (sales and other decreases)</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%">(338)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(323)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(353)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(446)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(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: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="border-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(784)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(357)</span></td><td colspan="3" style="border-left:1pt 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%">(465)</span></td></tr><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></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%">(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: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-left:1pt solid #FFFFFF;border-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%">(6)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">57</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">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:#000000;font-family:'Arial',sans-serif;font-size:6pt;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: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-left:1pt solid #FFFFFF;border-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%">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:6pt;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: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="border-left:1pt solid #FFFFFF;border-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%">15</span></td><td colspan="3" style="border-left:1pt 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%">27</span></td></tr><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-left:1pt solid #FFFFFF;border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-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%">&#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:6pt;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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">847</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">943</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,070</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">572</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">943</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">970</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">55</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">43</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">39</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,473</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,928</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">2,078</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%">299</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%">356</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%">381</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%">706</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%">701</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%">269</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">1,005</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%">1,057</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%">650</span></td></tr><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:2px 1pt;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="border-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%">24</span></td><td colspan="3" style="border-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%">16</span></td><td colspan="3" style="border-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%">64</span></td><td colspan="3" style="border-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%">59</span></td><td colspan="3" style="border-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%">27</span></td><td colspan="3" style="border-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%">158</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">&#8212;</span></td><td colspan="3" style="border-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%">83</span></td><td colspan="3" style="border-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%">42</span></td><td colspan="3" style="border-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%">221</span></td></tr><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 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 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-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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%">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 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-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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%">Retirements (sales and other decreases)</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%">(91)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(89)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(352)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(22)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(46)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">(443)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-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%">(111)</span></td><td colspan="3" style="border-left:1pt 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%">(148)</span></td></tr><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%">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:#000000;font-family:'Arial',sans-serif;font-size:6pt;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: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="border-left:1pt solid #FFFFFF;border-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%">(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:#000000;font-family:'Arial',sans-serif;font-size:6pt;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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">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:middle"><span 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-left:1pt solid #FFFFFF;border-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%">&#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:6pt;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:6pt;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:6pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="border-left:1pt 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%">333</span></td></tr><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 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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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 #FFFFFF;padding:2px 1pt;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:#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%">237</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">299</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">356</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">409</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">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:6pt;font-weight:700;line-height:120%">701</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">&#8212;</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">645</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,005</span></td><td colspan="3" style="background-color:#5AC4C4;border-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%">1,057</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%">610</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%">644</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%">714</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%">163</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%">236</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%">269</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%">55</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%">43</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%">39</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%">828</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%">923</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%">1,022</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Net of accumulated amortization until assets were reclassified as &#8220;Non-current assets and disposal groups classified as held for sale&#8221;.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570873776">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 22 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_FinancialLiabilitiesAtAmortisedCostAbstract', window );"><strong>Financial liabilities at amortised cost [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_FinancialLiabilitiesAtAmortisedCostTableTextBlock', window );">Financial liabilities at amortised cost [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">496,720</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%">473,835</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%">459,662</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%">14,668</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,309</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,323</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%">657</span></td><td colspan="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%">159</span></td><td colspan="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%">205</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%">6,369</span></td><td colspan="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%">12,203</span></td><td colspan="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%">33,534</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 agreement</span></td><td colspan="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%">7,642</span></td><td colspan="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%">7,947</span></td><td colspan="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%">4,584</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%">34,406</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,039</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,935</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%">6,977</span></td><td colspan="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%">6,629</span></td><td colspan="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%">11,434</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%">15,049</span></td><td colspan="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%">12,871</span></td><td colspan="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%">11,787</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 agreement</span></td><td colspan="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%">12,380</span></td><td colspan="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%">20,539</span></td><td colspan="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%">3,714</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%">447,646</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">413,487</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">394,404</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%">331,780</span></td><td colspan="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%">317,543</span></td><td colspan="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%">316,082</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%">106,658</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%">91,740</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%">76,063</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 agreement</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%">9,208</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%">4,204</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%">2,259</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 issued</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69,867</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68,707</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,429</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%">17,753</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,046</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,081</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%">584,339</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%">557,589</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%">529,172</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_DepositsFromBanksTableTextBlock', window );">Deposits from banks [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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: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: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:right;text-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:right;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:right;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:right;text-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="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 2024</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%">1,039</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%">3,116</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%">538</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%">4,693</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">981</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-left:1pt 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%">2,185</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%">158</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,002</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">2,162</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%">577</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,387</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">2,963</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%">2,942</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,313</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%">11,578</span></td><td colspan="3" style="border-left:1pt 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%">17,832</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%">1,289</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,250</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">4,570</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%">6,977</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,049</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,380</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,406</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 2023</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%">1,252</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%">2,434</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%">899</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%">4,585</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%">789</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">642</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">1,431</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">535</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">587</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%">416</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,242</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">2,659</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%">3,011</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,742</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,344</span></td><td colspan="3" style="border-left:1pt 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%">25,097</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%">1,145</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,277</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">259</span></td><td colspan="3" style="border-left:1pt 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%">5,681</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%">6,629</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,871</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,539</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">40,039</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 2022</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%">1,215</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%">1,429</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%">67</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%">2,709</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%">855</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">1,587</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%">10</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">633</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">672</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%">844</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,251</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">3,095</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%">3,613</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,944</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,669</span></td><td colspan="3" style="border-left:1pt 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%">8,226</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%">4,897</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,797</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,949</span></td><td colspan="3" style="border-left:1pt 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%">10,645</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%">11,434</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,787</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,714</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,935</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Subordinated deposits are included amounting to &#8364;48, &#8364;35 and &#8364;24 million as of December 31, 2024, 2023 and 2022, respectively.</span></div><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_CustomerDepositsTableTextBlock', window );">Customer Deposits [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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="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: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%">Time deposits </span></div><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%">and other &#8317;&#185;&#8318; &#8317;&#178;&#8318; </span></div></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 2024</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%">186,489</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%">22,501</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%">6,474</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%">215,464</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%">70,133</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,319</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">987</span></td><td colspan="3" style="border-left:1pt 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%">85,439</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%">23,228</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,388</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">652</span></td><td colspan="3" style="border-left:1pt 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%">49,267</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%">32,443</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,232</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">52,675</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%">17,170</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,613</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,095</span></td><td colspan="3" style="border-left:1pt 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%">35,878</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%">2,318</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,605</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">8,922</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%">331,780</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,658</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%">9,208</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">447,646</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 2023</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%">179,825</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%">17,952</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%">4</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%">197,780</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%">76,122</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,067</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,638</span></td><td colspan="3" style="border-left:1pt 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%">92,828</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%">20,423</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,485</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,331</span></td><td colspan="3" style="border-left:1pt 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%">43,239</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%">26,888</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,349</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">44,237</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%">12,863</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,257</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,231</span></td><td colspan="3" style="border-left:1pt 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%">30,350</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%">1,422</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,630</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">5,052</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%">317,543</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,740</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%">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%">413,487</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">December 2022 &#8317;&#185;&#8318;</span></div></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%">188,803</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%">13,937</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%">2</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%">202,742</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%">64,671</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,916</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">630</span></td><td colspan="3" style="border-left:1pt 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%">78,217</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%">22,117</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,254</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">747</span></td><td colspan="3" style="border-left:1pt 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%">40,118</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%">27,083</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,505</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">41,587</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%">11,670</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,224</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">880</span></td><td colspan="3" style="border-left:1pt 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%">26,774</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%">1,737</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,228</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">4,965</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%">316,082</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">76,063</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,259</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">394,404</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Subordinated deposits are included amounting to &#8364;8 million as of December 31, 2024. As of December 31, 2023 and 2022, no subordinated deposits were recorded under this heading.</span></div><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_DepositsFromDebtCertificatesTableTextBlock', window );">Deposits from debt certificates [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 type of financial instrument 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 issued (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%">2024</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%">2023</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></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%">37,118</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%">44,622</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%">35,611</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%">1,360</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%">5,416</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%">1,079</span></td></tr><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%">17,788</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,256</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,979</span></td></tr><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"> </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%">5,825</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,734</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,665</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: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">(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%">519</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">800</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">959</span></td></tr><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%">2,201</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,168</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,501</span></td></tr><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%">1,030</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,182</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">8,395</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,066</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,289</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%">2,750</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%">3,000</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%">3,000</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%">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%">5,645</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%">4,066</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%">3,289</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%">32,748</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%">24,086</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%">19,819</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%">2,962</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%">336</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%">351</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%">12,136</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%">8,684</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%">9,323</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"> </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%">95</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%">99</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%">114</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">(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%">5,327</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%">4,722</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%">3,724</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">1,067</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%">1,479</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%">111</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%">11,161</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%">8,766</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%">6,196</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%">2,888</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%">2,715</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%">1,876</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%">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%">8,273</span></td><td colspan="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%">6,051</span></td><td colspan="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%">4,320</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%">69,867</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%">68,707</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%">55,429</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Corresponds to structured note issuances with embedded derivatives that have been segregated according to IFRS 9.</span></div><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_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock', window );">Memorandum item subordinated liabilities at amortized cost [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</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%">2022</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%">56</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%">35</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%">24</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%">19,556</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%">15,832</span></td><td colspan="3" style="border-left:1pt 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%">12,485</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%">5,638</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%">5,715</span></td><td colspan="3" style="border-left:1pt 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%">4,876</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%">13,918</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%">10,117</span></td><td colspan="3" style="border-left:1pt 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%">7,609</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%">19,612</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%">15,867</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%">12,509</span></td></tr></table></div><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_OtherFinancialLiabilitiesTableTextBlock', window );">Other Financial Liabilities [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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%">2024</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%">2023</span></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;padding-left:0.18pt;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%">2022 &#8317;&#185;&#8318;</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"><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></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%">1,467</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%">1,507</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%">1,398</span></td></tr><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%">4,859</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,439</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,584</span></td></tr><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%">3,693</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,642</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,426</span></td></tr><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></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%">7,734</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,458</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,673</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%">17,753</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,046</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,081</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:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_MaturityOfFuturePaymentObligationsTableTextBlock', window );">Maturity of future payment obligations [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024 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%">175</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%">285</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%">239</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%">768</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%">1,467</span></td></tr></table></div><span></span>
</td>
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</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CustomerDepositsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Customer Deposits</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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CustomerDepositsTableTextBlock</td>
</tr>
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<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>dtr-types1:textBlockItemType</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_DepositsFromBanksTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 banks</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_DepositsFromBanksTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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_bbva_DepositsFromDebtCertificatesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 debt certificates</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_DepositsFromDebtCertificatesTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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_bbva_FinancialLiabilitiesAtAmortisedCostAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 amortised cost [Abstract]</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_FinancialLiabilitiesAtAmortisedCostAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_FinancialLiabilitiesAtAmortisedCostTableTextBlock</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></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_bbva_MaturityOfFuturePaymentObligationsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maturity of future payment obligations</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_MaturityOfFuturePaymentObligationsTableTextBlock</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>dtr-types1:textBlockItemType</td>
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<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_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock</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>dtr-types1:textBlockItemType</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_OtherFinancialLiabilitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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</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_OtherFinancialLiabilitiesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535166064">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 23 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract', window );"><strong>Assets and Liabilities under reinsurance and insurance contracts [Abstract]</strong></a></td>
<td class="text">&#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_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock', window );">Liabilities under Insurance and Reinsurance Contracts [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 liabilities recorded under insurance contracts of the consolidated insurance entities in accordance with IFRS 17 (see Note 2.2.8). The breakdown of the balance of this heading as of December 31, 2024, 2023 and 2022 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: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%">Liabilities under insurance and reinsurance contracts (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="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%">2024</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%">2023</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%">2022 &#8317;&#185;&#8318;</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%">Insurances</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%">10,981</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%">12,110</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%">10,131</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:700;line-height:120%">Liabilities for remaining coverage</span></td><td colspan="3" style="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%">9,835</span></td><td colspan="3" style="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%">10,900</span></td><td colspan="3" style="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%">9,157</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-weight:400;line-height:120%">Estimates of the present value of cash flows</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%">8,462</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-weight:400;line-height:120%">9,516</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%">7,905</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-weight:400;line-height:120%">Risk adjustment</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%">150</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%">171</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%">155</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-weight:400;line-height:120%">Cost service margin</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-weight:400;line-height:120%">1,224</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-weight:400;line-height:120%">1,213</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-weight:400;line-height:120%">1,097</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:700;line-height:120%">Liabilities for incurred claims</span></td><td colspan="3" style="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%">1,146</span></td><td colspan="3" style="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%">1,210</span></td><td colspan="3" style="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%">974</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Estimates of the present value of cash flows</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-weight:400;line-height:120%">1,129</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-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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">959</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Risk adjustment</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-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:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Reinsurances</span></td><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%">&#8212;</span></td><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%">&#8212;</span></td><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%">&#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="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%">10,981</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%">12,110</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%">10,131</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock', window );">Liaiblities under insurance and reinsurance contracts by type of product [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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 breakdown of &#8220;Liabilities under insurance and reinsurance contracts&#8221; in the consolidated balance sheets by type of product as of December 31, 2024, 2023 and 2022, excluding insurance contracts valued following the Simplified Model, is shown in the table below:</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;text-align:left;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities under insurance and reinsurance contracts by type of product (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="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%">2024</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%">2023</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%">2022 &#8317;&#179;&#8318;</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%">Liabilities for remaining coverage</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%">9,835</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%">10,900</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%">9,157</span></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:700;line-height:120%">Life insurance</span></div></td><td colspan="3" style="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%">9,555</span></td><td colspan="3" style="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%">10,657</span></td><td colspan="3" style="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%">8,962</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%">Individuals life insurance &#8317;&#185;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,643</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,900</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,592</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 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%">Group insurance &#8317;&#178;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,912</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,370</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:700;line-height:120%">Non-life insurance</span></td><td colspan="3" 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%">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:700;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:8pt;font-weight:700;line-height:120%">195</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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities for incurred claims</span></td><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%">1,146</span></td><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%">1,210</span></td><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%">974</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #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 #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,981</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,110</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,131</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><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Provides coverage in the event of death, disability and serious illness.</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%">(2) The insurance policies purchased by employers (other than BBVA Group) on behalf of their employees.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTableTextBlock', window );">Variation in liabilities under Insurance and Reinsurance Contracts analyzed by liabilities for the remaining coverage and liabilities for incurred claims [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 in liabilities under insurance and reinsurance contracts analyzed by liability for the remaining coverage and liability for incurred claims for the years 2024, 2023 and 2022 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:52.212%"></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: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;text-align:justify;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2024 (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" rowspan="2" 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%">Liability for remaining coverage</span></td><td colspan="3" rowspan="2" 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%">Liability for incurred claims </span></td><td colspan="3" rowspan="2" 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 style="height:18pt"><td colspan="3" style="padding:0 1pt"></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%">Initial balance</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,900</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,210</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,110</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%">Result from insurance service</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">(3,371)</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%">1,862</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,509)</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-weight:400;line-height:120%">Insurance revenue</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,494)</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%">&#8212;</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%">(3,494)</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="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></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="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></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="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%">Insurance expense</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:middle"><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:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,862</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-weight:400;line-height:120%">1,985</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="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></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="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:120%">Financial income/ expenses from insurance contracts</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">(407)</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(395)</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="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:bottom"><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="display:none"></td><td colspan="3" style="display:none"></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%">(657)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(110)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(767)</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 flows</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">3,370</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,828)</span></td><td colspan="3" style="padding:2px 1pt;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></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="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></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:#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%">Final balance</span></td><td colspan="3" style="display:none"></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%">9,835</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:8pt;font-weight:700;line-height:120%">1,146</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,981</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="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: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 colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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;text-align:left;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2023 (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" rowspan="2" 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%">Liability for remaining coverage</span></td><td colspan="3" 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%">Liability for incurred claims</span></td><td colspan="3" rowspan="2" 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 style="height:18pt"><td colspan="3" style="padding:0 1pt"></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%">Initial balance</span></td><td colspan="3" style="display:none"></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%">9,157</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">974</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,131</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%">Result from insurance service</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%">(2,822)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,532</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,289)</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-weight:400;line-height:120%">Insurance revenue</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,897)</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%">&#8212;</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%">(2,897)</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="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></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="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></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="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%">Insurance expense</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">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:8pt;font-weight:400;line-height:120%">1,532</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-weight:400;line-height:120%">1,607</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="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></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="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%">Financial income/ expenses from insurance contracts</span></div></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%">563</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">564</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="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></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</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%">1,008</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59</span></td><td colspan="3" style="padding:2px 1pt;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%">Cash flows</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%">2,994</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,357)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,637</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="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></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:#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%">Final balance</span></td><td colspan="3" style="display:none"></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%">10,900</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,210</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,110</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="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: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 colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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;text-align:left;vertical-align:middle"><span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2022 (Millions of Euros)</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" rowspan="2" 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%">Liability for remaining coverage</span></td><td colspan="3" 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%">Liability for incurred claims</span></td><td colspan="3" rowspan="2" 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 style="height:18pt"><td colspan="3" style="padding:0 1pt"></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%">Initial balance</span></td><td colspan="3" style="display:none"></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%">8,875</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%">1,097</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,972</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%">Result from insurance service</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%">(2,446)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,260</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,186)</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-weight:400;line-height:120%">Insurance revenue</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,575)</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%">&#8212;</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%">(2,575)</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="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></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="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></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="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%">Insurance expense</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:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,260</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-weight:400;line-height:120%">1,390</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="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></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="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%">Financial income/ expenses from insurance contracts</span></div></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%">(694)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(692)</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="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></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</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%">1,048</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,099</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 flows</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%">2,375</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,437)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">938</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="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></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:#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%">Final balance</span></td><td colspan="3" style="display:none"></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%">9,157</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">974</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,131</span></td></tr></table></div><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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock', window );">Variation in liabilities under Insurance and Reinsurance contracts by valuation components [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 of liabilities under insurance and reinsurance contracts, distinguishing between their different valuation components, excluding contracts valued under the Simplified Model, for the years 2024, 2023 and 2022 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:49.747%"></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:11.075%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" 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%">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2024 (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%">Estimated present value of future cash flows</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%">Risk adjustment </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%">Contractual service margin &#8317;&#185;&#8318;</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="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%">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:8pt;font-weight:700;line-height:120%">9,738</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">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%">1,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,118</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:8pt;font-weight:400;line-height:120%">Insurance service result</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(345)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(318)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to current services</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-weight:400;line-height:120%">(969)</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-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:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,267)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to future services</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-weight:400;line-height:120%">(350)</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to past services</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-weight:400;line-height:120%">974</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">974</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:8pt;font-weight:400;line-height:120%">Financial income/ expenses from insurance contracts</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%">(457)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(406)</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"><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 rate differences</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%">(636)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(721)</span></td></tr><tr><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%">411</span></td><td colspan="3" style="padding:2px 1pt;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%">411</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="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%">Final 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:8pt;font-weight:700;line-height:120%">8,710</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,224</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,084</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></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</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: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;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%">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2023 (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%">Estimated present value of future cash flows</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%">Risk adjustment </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%">Contractual service margin &#8317;&#185;&#8318;</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="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%">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:8pt;font-weight:700;line-height:120%">8,056</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,097</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,303</span></td></tr><tr><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 service result</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(384)</span></td><td colspan="3" style="padding:2px 1pt;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%">(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:8pt;font-weight:400;line-height:120%">(406)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to current services</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-weight:400;line-height:120%">(749)</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-weight:400;line-height:120%">(26)</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-weight:400;line-height:120%">(185)</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-weight:400;line-height:120%">(960)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to future services</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-weight:400;line-height:120%">(189)</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-weight:400;line-height:120%">26</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-weight:400;line-height:120%">163</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-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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to past services</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-weight:400;line-height:120%">554</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">554</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:8pt;font-weight:400;line-height:120%">Financial income/ expenses from insurance contracts</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%">508</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;text-align:right;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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">564</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:8pt;font-weight:400;line-height:120%">Exchange rate differences</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,035</span></td></tr><tr><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%">623</span></td><td colspan="3" style="padding:2px 1pt;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%">623</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="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%">Final 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:8pt;font-weight:700;line-height:120%">9,738</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">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%">1,213</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,118</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></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</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:49.593%"></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:11.229%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" 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%">Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2022 (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%">Estimated present value of future cash flows</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%">Risk adjustment </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%">Contractual service margin &#8317;&#185;&#8318;</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="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%">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:8pt;font-weight:700;line-height:120%">7,945</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">112</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">948</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,006</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 service result</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(606)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(511)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to current services</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-weight:400;line-height:120%">(750)</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-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:8pt;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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(908)</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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to future services</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-weight:400;line-height:120%">(270)</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-weight:400;line-height:120%">60</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-weight:400;line-height:120%">193</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-weight:400;line-height:120%">(17)</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="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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes that relate to past services</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-weight:400;line-height:120%">413</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-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: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:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">413</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: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%">Financial income/ expenses from insurance contracts</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(704)</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(694)</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange rate differences</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,009</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,093</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 flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">412</span></td><td colspan="3" style="padding:2px 1pt;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%">412</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="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%">Final 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:8pt;font-weight:700;line-height:120%">8,056</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,097</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,303</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></div><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_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock', window );">Maturity of liabilities under insurance and reinsurance contracts [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The maturity of &#8220;Liabilities under insurance and reinsurance contracts&#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:99.893%"><tr><td style="width:1.0%"></td><td style="width:31.103%"></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:12.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.461%"></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 of the liabilities under 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%">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%">2024</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%">1,556</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%">319</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%">720</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%">8,387</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%">10,981</span></td></tr><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%">2023</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,356</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">962</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,425</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,367</span></td><td colspan="3" style="border-left:1pt 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%">12,110</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%">2022</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%">1,754</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%">663</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%">1,664</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%">6,050</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%">10,131</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></table></div><span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Assets and Liabilities under reinsurance and insurance contracts [Abstract]</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_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Liabilities under Insurance and Reinsurance Contracts</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">
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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>Liaiblities under Insurance and Reinsurance Contracts by type of product</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>
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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>Maturity of liabilities under insurance and reinsurance contracts</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_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variation in liabilities under Insurance and Reinsurance Contracts analyzed by liabilities for the remaining coverage and liabilities for incurred claims</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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variation in liabilities under Insurance and Reinsurance contracts analyzed by valuation components</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">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561711984">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 24 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ProvisionsAbstract', window );"><strong>Provisions [abstract]</strong></a></td>
<td class="text">&#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_ProvisionsBreakdownByConceptsTableTextBlock', window );">Provisions Breakdown By Concepts [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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></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: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%">2024</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%">2023</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%">2022</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%">Provisions for pensions and similar obligations</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;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%">2,348</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%">2,571</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%">2,632</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"><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 &#8317;&#185;&#8318;</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%">384</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">435</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">466</span></td></tr><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%">791</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">685</span></td></tr><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:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.2.6</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%">667</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">770</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">770</span></td></tr><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 &#8317;&#178;&#8318;</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%">429</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">380</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-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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 #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,619</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,924</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,933</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) It included commitments undertaken under the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A. in 2021.</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%">(2) Individually non-significant provisions, for various concepts and corresponding to different geographical areas.</span></div><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_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock', window );">Provisions for pensions and similar obligations changes over the year [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 is as follows:</span></div><div><span><br/></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;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 for pensions and 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%">2024</span></td><td colspan="3" 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%">2023</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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; </span></div></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,006</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,098</span></td><td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,208</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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">197</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">25</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%">Interest expense and similar charges</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%">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">138</span></td><td colspan="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%">133</span></td><td colspan="3" style="border-left:1pt 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%">75</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%">Personnel expense</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">57</span></td><td colspan="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%">49</span></td><td colspan="3" style="border-left:1pt 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%">42</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%">Provision expense</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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">29</span></td><td colspan="3" style="border-left:1pt 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%">(92)</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%">Charges (credits) to equity &#8317;&#178;&#8318;</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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(433)</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%">Transfers and other changes</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%">(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: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 #FFFFFF;padding:2px 1pt;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</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: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%">(410)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(474)</span></td><td colspan="3" style="border-left:1pt 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%">(616)</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: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%">(143)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(120)</span></td></tr><tr><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #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 #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,732</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,006</span></td><td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,098</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Correspond to actuarial losses (gains) arising from certain post-employment defined-benefit commitments for pensions recognized in &#8220;Equity&#8221; (see Note 2.2.13).</span></div><span></span>
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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_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock', window );">Provisions for taxes, legal contingencies and other provisions changes over the year [Table Text Block]</a></td>
<td class="text"><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%">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%">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%">2022</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%">1,148</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%">1,065</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%">990</span></td></tr><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></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%">370</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">651</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">417</span></td></tr><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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">(92)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(385)</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%">(130)</span></td></tr><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></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%">(206)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(183)</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%">(211)</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%">1,220</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%">1,148</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%">1,065</span></td></tr></table></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360515015024">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 25 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract', window );"><strong>Post Employment And Other Employee Benefit Commitments [Abstract]</strong></a></td>
<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_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock', window );">Net defined benefit liability asset on the consolidated balance sheet [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 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: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%">2024</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%">2023</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%">2022</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%">3,759</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%">3,849</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%">3,661</span></td></tr><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%">271</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">412</span></td><td colspan="3" style="border-left:1pt 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%">606</span></td></tr><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%">1,269</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,728</span></td><td colspan="3" style="border-left:1pt 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%">1,448</span></td></tr><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%">384</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">435</span></td><td colspan="3" style="border-left:1pt 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%">466</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%">5,683</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,424</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,181</span></td></tr><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%">1,584</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,675</span></td><td colspan="3" style="border-left:1pt 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%">1,608</span></td></tr><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%">1,367</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,744</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,476</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%">2,951</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,419</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%">3,084</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%">2,732</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,006</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,097</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:6pt"><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%">&#8212;</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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">(1)</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:6pt"><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-style:italic;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%">2,348</span></td><td colspan="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%">2,571</span></td><td colspan="3" style="border-left:1pt 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%">2,632</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:#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></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-style:italic;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%">384</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%">435</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%">466</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In Turkey, the foundation responsible for managing the benefit commitments holds an additional asset of &#8364;123 million as of December 31, 2024 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. As of December 31, 2023 and 2022, this amount amounted to &#8364;153 and &#8364;188 million respectively.</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%">(2) Recorded under the heading &#8220;Other Assets - Other&#8221; of the consolidated balance sheet (see Note 20).</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%">(3) Recorded under the heading &#8220;Provisions - Provisions for pensions and similar obligations&#8221; of the consolidated balance sheet.</span></div><span></span>
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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_ConsolidatedIncomeStatementImpactTableTextBlock', window );">Consolidated Income Statement Impact [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 on the consolidated income statement for the years 2024, 2023 and 2022 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 1.18pt 2px 1pt;text-align:right;text-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 1.18pt 2px 1pt;text-align:right;text-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="border-right:1pt solid #FFFFFF;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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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 #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%">138</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%">133</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%">75</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%">494</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%">444</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%">342</span></td></tr><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%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(311)</span></td><td colspan="3" style="border-left:1pt 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%">(267)</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%">215</span></td><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%">188</span></td><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%">130</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%">158</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%">139</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%">87</span></td></tr><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%">51</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">42</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 expense</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%">6</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">Provisions or (reversal) of provisions</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%">46</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%">3</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%">31</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%">(89)</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%">&#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: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-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%">&#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: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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="border-left:1pt 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%">34</span></td></tr><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 &#8317;&#178;&#8318;</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%">(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:#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-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%">(126)</span></td></tr><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%">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%">2</span></td><td colspan="3" style="border-left:1pt 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%">3</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%">355</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%">352</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%">116</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) 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 2.2.13).</span></div><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_EquityImpactTableTextBlock', window );">Equity impact [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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;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%">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%">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%">2022</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%">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%">218</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%">302</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%">(363)</span></td></tr><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%">(86)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(71)</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 impact on equity: debit (credit)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">132</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">314</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(433)</span></td></tr></table></div><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_DefinedBenefitsTableTextBlock', window );">Defined benefits [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 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%">2024</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%">2023</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%">2022</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%">5,989</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%">3,419</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%">2,571</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%">5,715</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%">3,084</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%">2,632</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%">6,547</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%">2,988</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%">3,560</span></td></tr><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%">51</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">51</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;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-top:1pt solid #FFFFFF;padding:2px 1pt;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%">45</span></td></tr><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%">472</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">115</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">425</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">311</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">333</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65</span></td></tr><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%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">&#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:7pt;font-weight:400;line-height:120%">143</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td></tr><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%">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%">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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">34</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">34</span></td></tr><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%">(202)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(330)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">128</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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:7pt;font-weight:400;line-height:120%">(741)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(501)</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"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(330)</span></td><td colspan="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%">330</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">68</span></td><td colspan="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%">(68)</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%">&#8212;</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%">(240)</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%">240</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%">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:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(86)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(29)</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%">&#8212;</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%">(29)</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%">(362)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(362)</span></td><td colspan="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%">248</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(812)</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%">&#8212;</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%">(812)</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 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%">158</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">158</span></td><td colspan="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%">212</span></td><td colspan="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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">100</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%">&#8212;</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%">100</span></td></tr><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%">(564)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(230)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(655)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(232)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">(676)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(492)</span></td></tr><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%">(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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">(4)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">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:7pt;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:7pt;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:7pt;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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">(467)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(416)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">124</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">161</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180</span></td><td colspan="3" style="padding:2px 1pt;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></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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: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="border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><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%">(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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">7</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">7</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%">5,299</span></td><td colspan="3" 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%">2,951</span></td><td colspan="3" 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%">2,348</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:7pt;font-weight:700;line-height:120%">5,989</span></td><td colspan="3" 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%">3,419</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:7pt;font-weight:700;line-height:120%">2,571</span></td><td colspan="3" 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%">5,715</span></td><td colspan="3" 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%">3,084</span></td><td colspan="3" 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%">2,632</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%">2,078</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">1,964</span></td><td colspan="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%">2,310</span></td><td colspan="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%">129</span></td><td colspan="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%">2,181</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%">2,546</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%">147</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%">2,399</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%">2,385</span></td><td colspan="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%">2,114</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">271</span></td><td colspan="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%">2,988</span></td><td colspan="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%">2,702</span></td><td colspan="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%">286</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%">2,426</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%">2,329</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%">97</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:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: Turkey</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:7pt;font-style:italic;font-weight:400;line-height:120%">567</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:7pt;font-style:italic;font-weight:400;line-height:120%">488</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:7pt;font-style:italic;font-weight:400;line-height:120%">80</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:7pt;font-style:italic;font-weight:400;line-height:120%">435</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:7pt;font-style:italic;font-weight:400;line-height:120%">363</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:7pt;font-style:italic;font-weight:400;line-height:120%">72</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%">418</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:7pt;font-style:italic;font-weight:400;line-height:120%">315</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%">103</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Including gains and losses arising from settlements.</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%">(2) Excluding interest, which is recorded under "Interest income or expense".</span></div><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_ActuarialAssumptionsPercentageTableTextBlock', window );">Actuarial assumptions percentage [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 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:99.585%"><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 style="width:1.0%"></td><td style="width:6.937%"></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 style="width:1.0%"></td><td style="width:6.937%"></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 style="width:1.0%"></td><td style="width:6.937%"></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 style="width:1.0%"></td><td style="width:6.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.938%"></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%">Actuarial assumptions (%)</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%">2024</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%">2023</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%">2022</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%">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: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%">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: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%">Turkey</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:7pt;font-weight:400;line-height:120%">Discount rate</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%">3.25&#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%">12.11&#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%">31.02&#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%">3.43&#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%">10.44&#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%">25.60&#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%">3.91&#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%">10.68&#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%">17.79&#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 2px 1pt;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="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%">4.50&#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%">27.80&#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%">&#8212;&#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%">4.50&#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%">23.44&#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%">&#8212;&#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%">4.50&#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%">15.86&#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%">Rate of pension increase</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%">&#8212;&#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%">3.92&#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%">26.30&#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%">&#8212;&#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%">4.14&#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%">21.94&#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%">&#8212;&#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%">4.41&#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%">14.36&#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 1pt;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="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%">8.00&#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%">30.50&#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%">&#8212;&#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%">8.04&#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%">26.14&#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%">&#8212;&#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%">8.04&#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%">18.56&#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-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:7pt;font-weight:400;line-height:120%">Mortality tables</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PER 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EMSSA09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TUIK 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:7pt;font-weight:400;line-height:120%">PER 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EMSSA09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TUIK 2019</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PER 2020</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EMSSA09</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">TUIK 2019</span></td></tr></table></div><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_SensitivityAnalysisTableTextBlock', window );">Sensitivity analysis [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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%">2024</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%">2023</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></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 #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%">50</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%">(213)</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%">232</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%">(265)</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%">291</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%">(321)</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%">350</span></td></tr><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:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(1)</span></td></tr><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:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(39)</span></td></tr><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:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">141</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(126)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">119</span></td><td colspan="3" style="border-left:1pt 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%">(106)</span></td></tr><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-bottom:1pt solid #FFFFFF;border-left: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:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">120</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:7pt;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:7pt;font-weight:400;line-height:120%">134</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">&#8212;</span></td></tr></table></div><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_PostEmploymentCommitmentsTableTextBlock', window );">Post employment commitments [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024 was 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:46.430%"></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:12.017%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.019%"></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 2024 (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%">2,310</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%">1,269</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%">435</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%">247</span></td></tr><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%">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%">10</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">73</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">105</span></td><td colspan="3" style="border-left:1pt 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%">9</span></td></tr><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%">&#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%">&#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%">14</span></td><td colspan="3" style="border-left:1pt 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%">2</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-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%">&#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%">&#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%">3</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">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:#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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83</span></td><td colspan="3" style="border-left:1pt 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%">9</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%">&#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:#6d6d6d;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:#6d6d6d;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-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%">&#8212;</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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(15)</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(10)</span></td><td colspan="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%">(97)</span></td><td colspan="3" style="border-left:1pt 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%">3</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%">(10)</span></td><td colspan="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%">22</span></td><td colspan="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%">195</span></td><td colspan="3" style="border-left:1pt 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%">6</span></td></tr><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%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(109)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(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: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%">&#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%">(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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">(177)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(2)</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" 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%">&#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: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%">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: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%">(11)</span></td><td colspan="3" style="border-left:1pt 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="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%">2,078</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,124</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">567</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">260</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%">72</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%">2,006</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%">129</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%">958</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%">363</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%">224</span></td></tr><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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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-left:1pt solid #FFFFFF;border-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%">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%">87</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">7</span></td></tr><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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" style="border-left:1pt 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%">2</span></td></tr><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%">&#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%">68</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">22</span></td></tr><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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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-left:1pt solid #FFFFFF;border-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%">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%">(125)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-left:1pt 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%">(10)</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%">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(125)</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%">50</span></td><td colspan="3" style="border-left:1pt 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%">(10)</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%">&#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:#6d6d6d;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-top:1pt 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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">&#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:#6d6d6d;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-top:1pt 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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">&#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:#6d6d6d;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-top:1pt 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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">(20)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(108)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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%">(11)</span></td></tr><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%">&#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%">(1)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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-left:1pt solid #FFFFFF;border-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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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-left:1pt solid #FFFFFF;border-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%">&#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%">(132)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">&#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:8pt;font-weight:400;line-height:120%">Other effects</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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="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%">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%">748</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">488</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">234</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%">2,181</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%">311</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%">72</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%">23</span></td></tr><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%">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%">10</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">69</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">2</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">(68)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(22)</span></td></tr><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%">&#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%">&#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%">3</span></td><td colspan="3" style="border-left:1pt 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%">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: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%">23</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%">139</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%">32</span></td><td colspan="3" style="border-left:1pt 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%">19</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%">(1)</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%">125</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%">(50)</span></td><td colspan="3" style="border-left:1pt 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%">10</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%">&#8212;</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%">2</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%">(15)</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">34</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%">(10)</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%">(97)</span></td><td colspan="3" style="border-left:1pt 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%">3</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%">(10)</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%">22</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%">195</span></td><td colspan="3" style="border-left:1pt 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%">6</span></td></tr><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%">(321)</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%">&#8212;</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%">(11)</span></td><td colspan="3" style="border-left:1pt 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)</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">(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:8pt;font-weight:400;line-height:120%">(8)</span></td><td colspan="3" style="border-left:1pt 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%">(2)</span></td></tr><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%">&#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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">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: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%">(4)</span></td><td colspan="3" style="border-left:1pt 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="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%">1,964</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%">377</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%">80</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%">26</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Including gains and losses arising from settlements.</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%">(2) Excluding interest, which is recorded under "Interest income or 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:120%">The change in net liabilities (assets) during the years ended December 31, 2023 and 2022 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:39.732%"></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:6.303%"></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%">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%">2023: Net liability (assets)</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:7pt;font-weight:700;line-height:120%">2022: 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%">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%">2,399</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%">132</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%">103</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%">25</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%">3,464</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%">124</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%">63</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%">24</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;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:7pt;font-weight:400;line-height:120%">17</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">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: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%">85</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;font-weight:400;line-height:120%">(37)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(41)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">(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"><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%">&#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:7pt;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:7pt;font-weight:400;line-height:120%">33</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">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: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%">67</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">175</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62</span></td><td colspan="3" style="border-left:1pt 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%">(1)</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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">19</span></td><td colspan="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%">(129)</span></td><td colspan="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%">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">121</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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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 #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%">8</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%">78</span></td><td colspan="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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">10</span></td><td colspan="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%">(10)</span></td><td colspan="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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">73</span></td><td colspan="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%">82</span></td><td colspan="3" style="border-left:1pt 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%">(132)</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%">(11)</span></td><td colspan="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%">42</span></td><td colspan="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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">2</span></td></tr><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%">(379)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(484)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(1)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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: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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt 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%">(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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">6</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#8212;</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%">2,181</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%">311</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%">72</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%">23</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%">2,399</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%">132</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%">103</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%">25</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes gains and losses from settlements.</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%">(2) Excludes interest which is reflected in the line item &#8220;Interest income and expense&#8221;.</span></div><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_MedicalBenefitsCommitmentsTableTextBlock', window );">Medical benefits commitments [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 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:25.402%"></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:7.066%"></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="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%">2024</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%">2023</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%">2022</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%">1,728</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%">1,744</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%">(16)</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%">1,448</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%">1,476</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%">(28)</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%">1,377</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%">1,494</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%">(116)</span></td></tr><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%">18</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">19</span></td></tr><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%">167</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">(14)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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: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%">&#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:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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"><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">28</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">28</span></td></tr><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%">(333)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(247)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(86)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(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: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-left:1pt 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%">(71)</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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(247)</span></td><td colspan="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%">247</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(17)</span></td><td colspan="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%">17</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(144)</span></td><td colspan="3" style="border-left:1pt 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%">144</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%">15</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">15</span></td><td colspan="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%">(70)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(70)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">(293)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(293)</span></td><td colspan="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%">56</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">56</span></td><td colspan="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%">(191)</span></td><td colspan="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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">(191)</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%">(55)</span></td><td colspan="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%">&#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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(55)</span></td><td colspan="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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(23)</span></td><td colspan="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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">(23)</span></td></tr><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%">(71)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-left:1pt 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%">&#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: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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">(139)</span></td><td colspan="3" style="border-left:1pt 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%">139</span></td></tr><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%">(240)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">173</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">155</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="border-left:1pt 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%">(11)</span></td></tr><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%">&#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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;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:7pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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%">&#8212;</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%">1,269</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%">1,367</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%">(98)</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%">1,728</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%">1,744</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%">(16)</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%">1,448</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%">1,476</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%">(28)</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Including gains and losses arising from settlements.</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%">(2) Excluding interest, which is recorded under "Interest income or expense".</span></div><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_EstimatedBenefitPaymentsTableTextBlock', window );">Estimated benefit payments [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 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%">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</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%">2029</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%">2030 - 2034</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%">422</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%">278</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%">242</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%">210</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%">181</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%">618</span></td></tr><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%">196</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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: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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,331</span></td></tr><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%">28</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">696</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%">645</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%">514</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%">495</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%">482</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%">477</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%">2,645</span></td></tr></table></div><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_PlanAssetsBreakdownTableTextBlock', window );">Plan assets breakdown [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:4pt;margin-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, 2024, 2023 and 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: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%">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%">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%">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%">2022</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 and 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%">60</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%">86</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%">169</span></td></tr><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%">2,267</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,818</span></td><td colspan="3" style="border-left:1pt 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%">2,270</span></td></tr><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%">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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">&#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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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-left:1pt solid #FFFFFF;border-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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="border-left:1pt 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%">183</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%">2,349</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:8pt;font-weight:700;line-height:120%">2,924</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,622</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%">25</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%">23</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%">7</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%">&#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:#6d6d6d;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-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%">&#8212;</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%">&#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:#6d6d6d;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-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%">&#8212;</span></td></tr></table></div><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_InvestmentsInListedMarketsTableTextBlock', window );">Investments in listed markets [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:7pt;margin-top:7pt;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, 2024, 2023 and 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: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%">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%">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%">2022</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 and 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%">60</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%">86</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%">169</span></td></tr><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%">2,267</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,818</span></td><td colspan="3" style="border-left:1pt 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%">2,270</span></td></tr><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%">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%">&#8212;</span></td><td colspan="3" style="border-left:1pt 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="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%">2,328</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,904</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,439</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%">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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="border-left:1pt 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%">7</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%">&#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:#6d6d6d;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-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%">&#8212;</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%">&#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:#6d6d6d;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-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%">&#8212;</span></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ActuarialAssumptionsPercentageTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 assumptions percentage</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_ActuarialAssumptionsPercentageTableTextBlock</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>dtr-types1:textBlockItemType</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_ConsolidatedIncomeStatementImpactTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Consolidated Income Statement Impact</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_ConsolidatedIncomeStatementImpactTableTextBlock</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>dtr-types1:textBlockItemType</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_DefinedBenefitsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined 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_DefinedBenefitsTableTextBlock</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>dtr-types1:textBlockItemType</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_EquityImpactTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 impact</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_EquityImpactTableTextBlock</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>dtr-types1:textBlockItemType</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_EstimatedBenefitPaymentsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Estimated benefit payments</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_EstimatedBenefitPaymentsTableTextBlock</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>dtr-types1:textBlockItemType</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_InvestmentsInListedMarketsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 listed markets</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_InvestmentsInListedMarketsTableTextBlock</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>dtr-types1:textBlockItemType</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_MedicalBenefitsCommitmentsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Medical benefits commitments</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_MedicalBenefitsCommitmentsTableTextBlock</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>dtr-types1:textBlockItemType</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_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 defined benefit liability asset on the consolidated balance sheet</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_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock</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>dtr-types1:textBlockItemType</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_PlanAssetsBreakdownTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Plan assets breakdown</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_PlanAssetsBreakdownTableTextBlock</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>dtr-types1:textBlockItemType</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_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Post Employment And Other Employee Benefit Commitments [Abstract]</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_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract</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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Post employment commitments</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity analysis</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572754240">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 28 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_DisclosureOfReservesWithinEquityAbstract', window );"><strong>Disclosure of reserves within equity [abstract]</strong></a></td>
<td class="text">&#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_RetainedEarningsAndOtherReservesTableTextBlock', window );">Retained Earnings And Other Reserves [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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%">565</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%">572</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%">591</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%">582</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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-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%">482</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></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%">6,470</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,478</span></td><td colspan="3" 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%">3,906</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%">7,616</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,612</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,979</span></td></tr><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%">34,891</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,639</span></td><td colspan="3" style="border-left:1pt 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%">30,077</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%">42,507</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%">38,251</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%">35,056</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_RestrictedReservesBreakdownByConceptsTableTextBlock', window );">Restricted reserves breakdown by concepts [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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;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;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"></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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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%">2022</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></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%">531</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%">495</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%">400</span></td></tr><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></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%">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65</span></td><td colspan="3" style="border-left:1pt 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%">80</span></td></tr><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%">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%">2</span></td><td colspan="3" 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</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%">582</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%">561</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%">482</span></td></tr></table></div><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_RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock', window );">Retained earnings, revaluation reserves and other reserves breakdown by company or corporate group [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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; 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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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%">18,157</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%">15,672</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%">14,003</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%">17,209</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,705</span></td><td colspan="3" 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%">14,042</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%">6,065</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,857</span></td><td colspan="3" 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%">5,703</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%">1,774</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,758</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%">1,720</span></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%">BBVA Argentina Group</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%">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%">1,474</span></td><td colspan="3" 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%">1,456</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%">1,639</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,573</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%">1,489</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%">1,245</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,158</span></td><td colspan="3" 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%">1,065</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%">Forum Chile 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%">663</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">652</span></td><td colspan="3" 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%">632</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 Uruguay 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%">166</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><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="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;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">BV America, 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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">469</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">374</span></td><td colspan="3" 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%">299</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%">410</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">368</span></td><td colspan="3" 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%">338</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 Seguros, 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%">(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%">306</span></td><td colspan="3" 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%">284</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%">Bilbao Vizcaya Holding, 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%">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%">198</span></td><td colspan="3" 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%">144</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 Tecnology Am&#233;rica 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%">92</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87</span></td><td colspan="3" 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%">85</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%">Pecri Inversi&#243;n, 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: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-top:1pt solid #FFFFFF;padding:2px 1pt;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><td colspan="3" 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</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%">(5,524)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,497)</span></td><td colspan="3" 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%">(5,529)</span></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:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Real State Spanish Companies &#8317;&#178;&#8318; </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%">(1,152)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,164)</span></td><td colspan="3" 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%">(909)</span></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:0.1pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</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%">28</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(155)</span></td><td colspan="3" 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%">217</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></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%">42,734</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,488</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,277</span></td></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%">(169)</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%">(181)</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%">(169)</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%">(84)</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%">(84)</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%">(84)</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%">26</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%">28</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%">32</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%">(227)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(237)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(221)</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%">42,507</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%">38,251</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%">35,057</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Includes balances corresponding to Sociedades inmobiliarias CX, Anida Grupo Inmobiliario and Sociedades inmobiliarias Unnim.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360520648080">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 29 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_TreasurySharesAbstract', window );"><strong>Treasury shares [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_TreasurySharesTableTextBlock', window );">Treasury shares [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 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%">2024</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%">2023</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%">2022</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:right;text-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 #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:8pt;font-weight:700;line-height:120%">Millions of Euros</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:8pt;font-weight:700;line-height:120%">Number of Shares</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:8pt;font-weight:700;line-height:120%">Millions of Euros</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:8pt;font-weight:700;line-height:120%">Number of Shares</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: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%">4,386,625</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%">34</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%">5,485,414</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%">29</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%">127,633,399</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%">647</span></td></tr><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%">154,564,499</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,528</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">301,882,728</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,166</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">598,457,024</span></td><td colspan="3" style="border-left:1pt 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%">2,966</span></td></tr><tr><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%">(152,284,268)</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:8pt;font-weight:400;line-height:120%">(1,497)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(302,981,517)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,161)</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(720,605,009)</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:8pt;font-weight:400;line-height:120%">(3,583)</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="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%">6,666,856</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:700;line-height:120%">4,386,625</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,485,414</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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</span></td></tr><tr><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%">410,370</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%">7</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%">&#8212;</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%">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%">&#8212;</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%">3</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%">6,256,486</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%">59</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%">4,354,004</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%">31</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%">5,454,516</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%">26</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%">&#8212;</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%">&#8212;</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%">32,621</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%">&#8212;</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%">30,898</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%">&#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: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%">9.89</span></td><td colspan="3" style="padding:2px 1pt;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%">7.18</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: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%">4.96</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:8pt;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:8pt;font-weight:400;line-height:120%">Average selling price in Euros (including 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%">9.89</span></td><td colspan="3" style="padding:2px 1pt;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%">7.14</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: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%">4.99</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:8pt;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: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%">10</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%">1</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%">9</span></td></tr></table></div><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_TreasuryStockTableTextBlock', window );">Treasury Stock [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;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, 2024, 2023 and 2022 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022</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:#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 #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%">Max</span></td><td colspan="3" style="border-top:1pt solid #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%">Closing</span></td><td colspan="3" style="border-top:1pt solid #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%">Min</span></td><td colspan="3" style="border-top:1pt solid #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%">Max</span></td><td colspan="3" style="border-top:1pt solid #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%">Closing</span></td><td colspan="3" style="border-top:1pt solid #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%">Min</span></td><td colspan="3" style="border-top:1pt solid #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%">Max</span></td><td colspan="3" style="border-top:1pt solid #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%">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%">0.076&#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%">1.513&#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%">0.116&#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%">0.038&#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%">2.214&#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%">0.075&#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%">0.078&#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%">7.492&#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%">0.094&#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><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_SharesOfBBVAAcceptedInPledgeTableTextBlock', window );">Shares of BBVA accepted in pledge [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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%">2024</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%">2023</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></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%">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%">13,308,677</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%">17,492,194</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%">23,437,363</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%">0.49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.49</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%">0.23&#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%">0.29&#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%">0.39&#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><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_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock', window );">Shares of BBVA owned by third parties but managed by the Group [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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%">2024</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%">2023</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></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%">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%">11,834,596</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%">13,258,994</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%">18,686,027</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%">0.49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.49</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.49</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%">0.21&#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%">0.23&#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%">0.31&#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><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SharesOfBBVAAcceptedInPledgeTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shares of BBVA accepted in pledge</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_SharesOfBBVAAcceptedInPledgeTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
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<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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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shares of BBVA owned by third parties but managed by the Group</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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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TreasurySharesAbstract">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury shares [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury shares</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>Treasury Stock</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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533835248">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 30 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_AccumulatedOtherComprehensiveIncomeAbstract', window );"><strong>Accumulated other comprehensive income [abstract]</strong></a></td>
<td class="text">&#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_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock', window );">Accumulated Other Comprehensive Income Classified By Concepts [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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: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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</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: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%">(1,988)</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%">(2,105)</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%">(1,881)</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%">(1,067)</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%">(1,049)</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%">(760)</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%">(905)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,112)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,194)</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%">(17)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:#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%">(15,232)</span></td><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%">(14,148)</span></td><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%">(15,760)</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%">(2,329)</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%">(2,498)</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%">(1,408)</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%">(2,697)</span></td><td colspan="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%">(3,147)</span></td><td colspan="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%">(1,751)</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%">394</span></td><td colspan="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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">358</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%">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(15)</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%">(12,702)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11,419)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13,078)</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%">(3,644)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(640)</span></td><td colspan="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%">(2,791)</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%">(5,835)</span></td><td colspan="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%">(6,908)</span></td><td colspan="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%">(6,599)</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%">(555)</span></td><td colspan="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%">(1,296)</span></td><td colspan="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%">(868)</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%">(1,865)</span></td><td colspan="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%">(1,865)</span></td><td colspan="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%">(1,850)</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%">(803)</span></td><td colspan="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%">(711)</span></td><td colspan="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%">(969)</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%">370</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">133</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(447)</span></td></tr><tr><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%">(576)</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%">(357)</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%">(809)</span></td></tr><tr><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%">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:#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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</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%">(17,220)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(16,254)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(17,642)</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533832880">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 31 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_MinorityInterestsNonControllingInterestsAbstract', window );"><strong>Minority interests (non-controlling interests) [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_NonControllingInterestClassifiedByConceptTableTextBlock', window );">Non Controlling Interest Classified By Concept [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 of the balance under the heading &#8220;Minority interests (non-controlling interests)&#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%">Minority interests (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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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></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%">1,351</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%">1,129</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%">1,179</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%">1,779</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,586</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,469</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%">843</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">544</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">687</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%">60</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73</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%">134</span></td><td colspan="3" style="padding:2px 1pt;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><td colspan="3" style="padding:2px 1pt;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</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%">191</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">115</span></td><td colspan="3" style="padding:2px 1pt;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></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%">4,359</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,564</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,623</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span></span>
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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_ProfitAttributableToNonControllingInterestsTableTextBlock', window );">Profit attributable to non controlling interests [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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-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 minority interests (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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318; </span></div></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></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%">116</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%">95</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%">28</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%">260</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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></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%">105</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83</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%">(1)</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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></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%">32</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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</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%">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%">(1)</span></td><td colspan="3" style="padding:2px 1pt;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</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%">521</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">397</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">405</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3 ).</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564567456">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 32 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_CapitalBaseAndCapitalManagementAbstract', window );"><strong>Capital Base And Capital Management [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_EligibleCapitalResourcesTableTextBlock', window );">Eligible capital resources [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022 is shown below:</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: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 colspan="3" style="display:none"></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%">2024</span></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: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 1.18pt 2px 1pt;text-align:right;text-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 #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</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%">2,824</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,861</span></td><td colspan="3" style="border-top:1pt solid #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%">2,955</span></td></tr><tr><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%">19,184</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,769</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,856</span></td></tr><tr><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%">42,507</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,251</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,056</span></td></tr><tr><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%">40</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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%">(66)</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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)</span></td></tr><tr><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%">10,054</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,019</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,358</span></td></tr><tr><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%">(1,668)</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(951)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(722)</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 equity</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%">72,875</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67,955</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">64,535</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%">Accumulated other comprehensive income (loss)</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%">30</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,220)</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,642)</span></td></tr><tr><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: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%">4,359</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,564</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,623</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%">Shareholders' equity</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%">60,014</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55,265</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50,517</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%">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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,553)</span></td><td colspan="3" style="display:none"></td><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%">(1,421)</span></td><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%">(1,395)</span></td></tr><tr><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%">(185)</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:#004481;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="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%">(185)</span></td><td colspan="3" style="display:none"></td><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%">(137)</span></td><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%">(123)</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%">Other adjustments and deductions &#8317;&#185;&#8318;</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%">(7,476)</span></td><td colspan="3" style="display:none"></td><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%">(7,591)</span></td><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%">(6,262)</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%">50,799</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%">46,116</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,738</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 before Regulatory 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:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,023</span></td><td colspan="3" style="display:none"></td><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%">6,033</span></td><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%">5,193</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: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%">&#8212;</span></td><td colspan="3" style="display:none"></td><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%">&#8212;</span></td><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%">&#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%">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%">56,822</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%">52,150</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,931</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%">Tier 2</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%">9,858</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,182</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,930</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="display:none"></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 #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 Capital (Total Capital = Tier 1 + Tier 2)</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%">66,680</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60,332</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">53,861</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 Minimum equity required &#8317;&#178;&#8318;</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%">52,427</span></td><td colspan="3" style="display:none"></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%">47,455</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%">43,111</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The caption &#8220;Other adjustments and deductions&#8221; include, among others, the adjustment for non-computable minority interests, the amount of repurchases of own shares up to the maximum limit authorized by the ECB to the BBVA Group and the amount of dividends pending distribution.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Calculated based on total minimum capital requirements applicable in each period.</span></div><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_AmountOfCapitalCC1TableTextBlock', window );">Amount of capital CC1 [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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%">2024</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%">2023</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 &#8317;&#185;&#8318;</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%">22,008</span></td><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%">22,629</span></td><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%">23,810</span></td></tr><tr><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%">39,652</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,889</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,436</span></td></tr><tr><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%">(14,334)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12,872)</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:8pt;font-weight:400;line-height:120%">(13,952)</span></td></tr><tr><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%">2,343</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,864</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,853</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%">Net attributable profit </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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,013</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,759</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,814</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%">54,681</span></td><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%">51,269</span></td><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%">46,962</span></td></tr><tr><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%">(1,553)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,421)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,395)</span></td></tr><tr><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%">Direct, indirect and synthetic holdings in own Common Equity Tier I 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%">(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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(356)</span></td></tr><tr><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%">(844)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(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:8pt;font-weight:400;line-height:120%">(1,057)</span></td></tr><tr><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 &#8317;&#179;&#8318;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,242)</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:8pt;font-weight:400;line-height:120%">(2,412)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,416)</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%">(3,882)</span></td><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%">(5,153)</span></td><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%">(4,223)</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%">50,799</span></td><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%">46,116</span></td><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%">42,738</span></td></tr><tr><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%">5,638</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,715</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,875</span></td></tr><tr><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%">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:8pt;font-weight:400;line-height:120%">319</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">318</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%">6,023</span></td><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%">6,033</span></td><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%">5,193</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: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%">&#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></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%">&#8212;</span></td><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%">&#8212;</span></td><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%">&#8212;</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%">6,023</span></td><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%">6,033</span></td><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%">5,193</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%">Tier 1 (Common equity TIER 1 + additional TIER 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%">56,822</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,150</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,931</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%">Capital instruments and share premium accounted as Tier 2</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,629</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,214</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,510</span></td></tr><tr><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%">4,192</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:8pt;font-weight:400;line-height:120%">2,890</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%">2,310</span></td></tr><tr><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%">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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">213</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%">9,868</span></td><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%">8,192</span></td><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%">6,033</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%">(10)</span></td><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%">(10)</span></td><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%">(103)</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%">9,858</span></td><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%">8,182</span></td><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%">5,930</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 capital (Total capital = Tier 1 + Tier 2)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">66,680</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60,332</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">53,861</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 RWA</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">394,468</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">363,915</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">337,066</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%">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%">12.88&#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%">12.67&#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%">12.68&#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></tr><tr><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%">Tier 1 (phased-in)</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%">14.40&#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%">14.33&#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%">14.22&#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><tr><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 capital (phased-in)</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%">16.90&#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%">16.58&#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%">15.98&#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><div><span><br/></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%">(1) In 2022, the difference between the phased-in and fully-loaded ratios arises from the temporary treatment of certain capital items, mainly as a result of the impact of IFRS 9, to which the BBVA Group adhered voluntarily (in accordance with article 473bis of the CRR and the subsequent amendments introduced by the Regulation (EU) 2020/873). In 2024 and 2023, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment.</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%">(2) As of December 31, 2024, the total shareholder remuneration corresponding to the year 2024 (composed by a cash dividend, the share repurchase program and the proposed cash dividend subject to approval at the General Shareholders' Meeting), is deducted. As of December 31, 2023 and 2022 the cash dividends approved by the respective General Shareholders' Meetings are deducted.</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%">(3) As of December 31, 2023 and 2022, the amounts of the share repurchase programs were deducted.</span></div><span></span>
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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_LeverageRatioTableTextBlock', window );">Leverage Ratio [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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 colspan="3" style="display:none"></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%">Leverage ratio</span></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%">2024</span></td><td colspan="3" style="display:none"></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%">2023</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%">2022</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 1 (millions of Euros) (a)</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%">56,822</span></td><td colspan="3" style="display:none"></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%">52,150</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%">47,931</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%">834,488</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%">797,888</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">737,990</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%">6.81&#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="3" style="display:none"></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%">6.54&#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%">6.49&#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><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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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Eligible capital resources</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>Leverage Ratio</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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572762176">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 33 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_CommitmentsAndGuaranteesGivenAbstract', window );"><strong>Commitments and guarantees given [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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</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_CommitmentsAndGuaranteesGivenTableTextBlock', window );">Commitments and guarantees given [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 off-balance sheet exposures is as follows:</span></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: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%">2024</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%">2023</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%">2022</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%">188,515</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%">152,868</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%">136,920</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%">160</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%">165</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%">177</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%">254&#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%">&#8212;&#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%">&#8212;&#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%">3,247</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,115</span></td><td colspan="3" style="border-left:1pt 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%">3,031</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%">13,441</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,595</span></td><td colspan="3" style="border-left:1pt 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%">15,407</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%">8,656</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,063</span></td><td colspan="3" style="border-left:1pt 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%">5,895</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%">82,891</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,303</span></td><td colspan="3" style="border-left:1pt 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%">68,120</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%">80,026</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,791</span></td><td colspan="3" style="border-left:1pt 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%">44,467</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%">22,503</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%">18,839</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%">16,511</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%">192</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%">229</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%">281</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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">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:middle"><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="border-left:1pt 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%">96</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%">636</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">978</span></td><td colspan="3" style="border-left:1pt 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%">475</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%">2,843</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,177</span></td><td colspan="3" style="border-left:1pt 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%">1,263</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%">18,724</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,460</span></td><td colspan="3" style="border-left:1pt 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%">14,541</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%">116</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt 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%">135</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%">51,215</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%">42,577</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%">39,137</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%">439</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%">636</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%">689</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%">&#8212;&#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%">&#8212;</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%">&#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: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%">354</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">327</span></td><td colspan="3" style="border-left:1pt 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%">215</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%">6,447</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,607</span></td><td colspan="3" style="border-left:1pt 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%">4,134</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%">3,256</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,837</span></td><td colspan="3" style="border-left:1pt 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%">1,758</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%">41,005</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,681</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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,858</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125</span></td><td colspan="3" style="border-left:1pt 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%">171</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%">262,233</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%">214,283</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%">192,568</span></td></tr></table>(1) Non-performing financial guarantees given amounted to &#8364;631, &#8364;865, and &#8364;970 million, respectively, as of December 31, 2024, 2023 and 2022.<span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 36 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock', window );">Transactions on behalf of third parties breakdown by concepts [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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: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%">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%">2024</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%">2023</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%">2022</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%">496,082</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%">430,377</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%">352,139</span></td></tr><tr><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%">13,460</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,125</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:8pt;font-weight:400;line-height:120%">11,738</span></td></tr><tr><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%">5,700</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:8pt;font-weight:400;line-height:120%">6,397</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:8pt;font-weight:400;line-height:120%">3,223</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%">515,241</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%">448,899</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%">367,100</span></td></tr></table></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564561024">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 37 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_NetInterestIncomeAbstract', window );"><strong>Net Interest Income [Abstract]</strong></a></td>
<td class="text">&#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_InterestIncomeBreakdownByOriginTableTextBlock', window );">Interest income breakdown by origin [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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="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%">2024</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%">2023</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></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%">5,951</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%">4,984</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%">2,079</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%">2,951</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,098</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,110</span></td></tr><tr><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 &#8317;&#185;&#8318;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50,243</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,328</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,258</span></td></tr><tr><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%">1,448</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,052</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="padding:2px 1pt;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%">702</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">91</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(825)</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 &#8317;&#178;&#8318;</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%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">501</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%">61,659</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,850</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,432</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes interest on demand deposits at central banks and credit institutions.</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%">(2) Includes, among others, the net interest income accrued from funds obtained through TLTRO III operations, which amounted to &#8364;177 million for the year ended December 31, 2022 (see Note 22.1).</span></div><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_InterestExpenseBreakdownByOriginTableTextBlock', window );">Interest expense breakdown by origin [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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-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 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">5,445</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%">3,834</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%">1,140</span></td></tr><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%">170</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">130</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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%">28,379</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,164</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,985</span></td></tr><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%">1,097</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">809</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(232)</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%">1,016</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">633</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">948</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%">173</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333</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%">36,392</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,761</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%">12,309</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 38 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_DividendIncomeAbstract', window );"><strong>Dividend income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_DividendIncomeBreakdownByHeadlineTableTextBlock', window );">Dividend income breakdown by headline [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 shown in the breakdown below:</span></div><div style="margin-bottom:6pt;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%">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%">2024</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%">2023</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></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%">10</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%">11</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%">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:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income &#8317;&#185;&#8318;</span></td><td colspan="3" style="background-color:#ffffff;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%">109</span></td><td colspan="3" style="background-color:#ffffff;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-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%">108</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%">120</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%">118</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%">123</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Dividend income corresponds mainly to investments held at the end of the year.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Dividend income [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Dividend income breakdown by headline</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564563392">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 40 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_FeeAndCommissionIncomeAndExpensesAbstract', window );"><strong>Fee and commission income and expenses [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_FeeAndCommissionIncomeTableTextBlock', window );">Fee and commission income [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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-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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">21</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%">24</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%">26</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%">300</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">300</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">424</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%">Credit and debit cards and POS &#8317;&#178;&#8318;</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,106</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,665</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,499</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%">166</span></td><td colspan="3" style="padding:2px 1pt;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%">162</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%">961</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">862</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">812</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%">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%">384</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">261</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%">322</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">307</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">259</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%">530</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">471</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">420</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%">1,685</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,407</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,228</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%">360</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">345</span></td><td colspan="3" style="padding:2px 1pt;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></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%">221</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">207</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">193</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%">902</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">751</span></td><td colspan="3" style="padding:2px 1pt;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></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%">13,036</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,899</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%">8,260</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Points of Sale.</span></div><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_FeesAndCommissionExpenseTableTextBlock', window );">Fees and commission expense [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 this heading 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:99.585%"><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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">7</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%">6</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%">5</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%">Credit and debit cards and POS &#8317;&#178;&#8318;</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%">3,534</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,337</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,884</span></td></tr><tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">156</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">132</span></td></tr><tr><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%">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:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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: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%">101</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">111</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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></tr><tr><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%">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: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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">721</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%">5,048</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,611</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,888</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div>(2) Points of Sale<span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360521743408">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 41 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
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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_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock', window );">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 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;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%">2024</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%">2023</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></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%">327</span></td><td colspan="3" style="border-top:1pt solid #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%">76</span></td><td colspan="3" style="border-top:1pt solid #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%">64</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%">20</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%">41</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%">8</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%">307</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%">35</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%">56</span></td></tr><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%">2,458</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,352</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">562</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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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 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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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 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%">2,458</span></td><td colspan="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%">1,352</span></td><td colspan="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%">562</span></td></tr><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%">179</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">337</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(67)</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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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 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%">&#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:#6d6d6d;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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 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%">179</span></td><td colspan="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%">337</span></td><td colspan="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%">(67)</span></td></tr><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%">249</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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%">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:#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 #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(45)</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 and hedge accounting</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,218</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,844</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">663</span></td></tr><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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">339</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,275</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%">3,913</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%">2,183</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%">1,938</span></td></tr></table></div><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_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock', window );">Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Nature Of The Financial Instrument [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 consolidated income statements by the nature of the financial 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:99.585%"><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 and hedge accounting. </span><div><span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Breakdown by nature of the financial instrument (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%">2024</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%">2023</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></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%">841</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%">799</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%">(2,266)</span></td></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%">553</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,099)</span></td></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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(812)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,361</span></td></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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(241)</span></td></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%">(81)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274</span></td></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%">1,488</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,635</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%">3,218</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%">1,844</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">663</span></td></tr></table></div><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_DerivativesHedgeAccountingTableTextBlock', window );">Derivatives Hedge accounting [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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: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-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%">2024</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%">2023</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></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%">(21)</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%">427</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%">522</span></td></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%">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%">(402)</span></td><td colspan="3" 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%">1,653</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%">Credit derivative agreements</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%">(123)</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%">(56)</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%">16</span></td></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%">(15)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(431)</span></td><td colspan="3" 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%">(658)</span></td></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 and 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%">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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(332)</span></td><td colspan="3" 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%">(127)</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%">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:8pt;font-weight:700;line-height:120%">(795)</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%">1,406</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="border-left:1pt solid #FFFFFF;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="border-left:1pt solid #FFFFFF;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 #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%">8</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%">(10)</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%">(51)</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%">(512)</span></td><td colspan="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%">(114)</span></td><td colspan="3" style="border-left:1pt 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%">(229)</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%">520</span></td><td colspan="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%">103</span></td><td colspan="3" style="border-left:1pt 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%">178</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%">(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%">(7)</span></td><td colspan="3" style="padding:2px 1pt;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</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%">5</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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)</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;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)</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%">181</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(812)</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,361</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Nature Of The Financial Instrument</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains Or Losses On Financial Assets And Liabilities, Hedge Accounting And Exchanges Differences [Abstract]</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533818480">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 42 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_OtherOperatingIncomeExpenseAbstract', window );"><strong>Other Operating Income Expense [Abstract]</strong></a></td>
<td class="text">&#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_OtherOperatingIncomeTableTextBlock', window );">Other operating income [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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: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="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%">2024</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%">2023</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></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%">354</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%">347</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%">284</span></td></tr><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%">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:middle"><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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="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%">623</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">619</span></td><td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">528</span></td></tr></table></div><span></span>
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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_OtherOperatingExpenseTableTextBlock', window );">Other operating expense [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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;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="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%">2024</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%">2023</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></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%">165</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%">151</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%">134</span></td></tr><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 &#8317;&#185;&#8318;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">636</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,017</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">997</span></td></tr><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 &#8317;&#178;&#8318;</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%">1,775</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,007</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,687</span></td></tr><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 &#8317;&#179;&#8318;</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,374</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">867</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">620</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%">3,951</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,042</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,438</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In 2024, no contributions were made to the European Single Resolution Fund (SRF) since the constitution phase of the fund has been completed. Likewise, the Deposits Guarantee Fund of Credit Institutions in Spain reached in 2023 the minimum coverage level established by the European Regulation with respect to covered deposits, so that no additional contribution was necessary for this purpose during 2024, although prior contributions are maintained.</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%">(2) For the year ended December 31, 2024 it includes &#8364;1,419 million related to Argentina and &#8364;348 million related to Turkey. For the year ended December 31, 2023 it included &#8364;1,062 million related to Argentina and &#8364;916 million related to Turkey. For the year ended December 31, 2022, it included &#8364;822 million related to Argentina and &#8364;832 million related to Turkey (see Note 2.2.18).</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%">(3) For the year ended December 2024 and 2023, it includes &#8364;285 and &#8364;215 million, respectively, corresponding to the total annual amount disbursed under the temporary tax on credit institutions and financial credit establishments, according to Law 38/2022 of December 27, 2022 (see Note 19.6). The change compared to 2023 is mainly as a result of higher taxes in various geographies due to increased activity.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other operating expense</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Operating Income Expense [Abstract]</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other operating income</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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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571058464">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 43 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract', window );"><strong>Income And Expenses From Insurance And Reinsurance Contracts [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock', window );">Insurance And Reinsurance Contracts In Income And Expense [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom: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 balances of the headings &#8220;Income and expense from insurance and reinsurance contracts&#8221; in the consolidated income statements stem from the insurance activity and include the following:</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: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;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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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"><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%">Income from insurance and reinsurance contracts &#8317;&#178;&#8318; </span></div></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%">3,720</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%">3,081</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%">2,622</span></td></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%">(2,238)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,821)</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,547)</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%">1,482</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%">1,261</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%">1,075</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></div><span></span>
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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_IncomeByTypeOfInsuranceProductTableTextBlock', window );">Income by type of insurance product [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom: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 table below shows the contribution of each insurance product to the Group&#180;s income for the years ended December 31, 2024, 2023 and 2022:</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="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%">Net income by type of 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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">752</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%">617</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%">649</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%">656</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%">590</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%">573</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%">96</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%">27</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%">76</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%">730</span></td><td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">643</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%">426</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">730</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%">643</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%">426</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%">1,482</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%">1,261</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%">1,075</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Income And Expenses From Insurance And Reinsurance Contracts [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Income by type of insurance product</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Insurance And Reinsurance Contracts In Income And Expense</p></div>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533765728">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 44 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_AdministrationCostsAbstract', window );"><strong>Administration Costs [Abstract]</strong></a></td>
<td class="text">&#160;<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_PersonnelExpensesBreakdownTableTextBlock', window );">Personnel Expenses Breakdown [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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-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:49.593%"></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:11.229%"></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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">5,937</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%">5,068</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%">4,310</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%">1,007</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">708</span></td></tr><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%">158</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87</span></td></tr><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%">51</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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</span></td></tr><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%">506</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">440</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">454</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%">7,659</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%">6,530</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%">5,601</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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_AdministrativeExpensesTableTextBlock', window );">Administrative expenses [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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-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: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%">2024</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%">2023</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:8pt;font-weight:700;line-height:120%">2022 &#8317;&#185;&#8318;</span></div></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%">1,732</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%">1,512</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%">1,391</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%">261</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">195</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%">441</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">266</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%">577</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">520</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">440</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%">481</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">370</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%">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:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">234</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">214</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%">1,253</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,090</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">897</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%">5,001</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%">4,375</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:8pt;font-weight:700;line-height:120%">3,773</span></td></tr></table></div><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div><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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570732416">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 45 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_DepreciationAndAmortisationExasfpenseAbstract', window );"><strong>Depreciation And Amortisation Exasfpense [Abstract]</strong></a></td>
<td class="text">&#160;<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_DepreciationAndAmortisationExpenseTableTextBlock', window );">Depreciation And Amortisation Expense [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 2023 and 2022 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:49.593%"></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:11.229%"></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%">2024</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%">2023</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></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%">972</span></td><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%">867</span></td><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%">818</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%">623</span></td><td colspan="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%">547</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%">501</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%">343</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%">317</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%">312</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%">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%">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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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: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%">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:middle"><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-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">510</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%">1,533</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,403</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,328</span></td></tr></table></div><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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572634480">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 46 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ProvisionsOrReversalOfProvisionsAbstract', window );"><strong>Provisions or reversal of provisions [Abstract]</strong></a></td>
<td class="text">&#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_ProvisionsOrReversalOfProvisionsTableTextBlock', window );">Provisions or reversal of provisions [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 2023 and 2022, 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:49.593%"></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:11.229%"></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%">2024</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%">2023</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></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%">3</span></td><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%">31</span></td><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%">(89)</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%">(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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87</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%">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:8pt;font-weight:400;line-height:120%">171</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210</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></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%">88</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:8pt;font-weight:400;line-height:120%">84</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%">198</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%">373</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%">291</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provisions or reversal of provisions [Abstract]</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360522623760">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 47 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract', window );"><strong>Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Abstract]</strong></a></td>
<td class="text">&#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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock', window );">Impairment Or Reversal Of Impairment On Financial Assets Not Measured At Fair Value Through Profit Or Loss [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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:99.893%"><tr><td style="width:1.0%"></td><td style="width:49.593%"></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:11.229%"></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%">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%">2024</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%">2023</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></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%">58</span></td><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%">42</span></td><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%">76</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></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%">5,687</span></td><td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,386</span></td><td colspan="3" style="border-left:1pt 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%">3,303</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%">(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:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(369)</span></td><td colspan="3" style="border-left:1pt 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%">(390)</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%">5,745</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%">4,428</span></td><td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,379</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [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 );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572760608">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 49 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract', window );"><strong>Impairment or reversal of impairment on non financial assets [Abstract]</strong></a></td>
<td class="text">&#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_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock', window );">Impairment Or Reversal Of Impairment On Non Financial Assets [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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:61.303%"></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="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%">2024</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%">2023</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%">2022</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></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%">(29)</span></td><td colspan="3" style="border-top:1pt solid #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%">16</span></td><td colspan="3" style="border-top:1pt solid #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%">(53)</span></td></tr><tr><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%">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%">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:8pt;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: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%">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: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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55</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%">(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%">54</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment or reversal of impairment on non financial assets [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>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">
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<TYPE>XML
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<FILENAME>R111.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360536801200">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 50 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract', window );"><strong>Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations [Abstract]</strong></a></td>
<td class="text">&#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_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock', window );">Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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;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:61.303%"></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="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%">2024</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%">2023</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></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%">66</span></td><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%">64</span></td><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%">102</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%">(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:8pt;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:8pt;font-weight:400;line-height:120%">(221)</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"> </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%">&#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%">11</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%">&#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></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%">(17)</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%">22</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%">(108)</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> (1) </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">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: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 the BBVA Group (see Note 17).</span></div><span></span>
</td>
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</table>
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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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360539727360">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 51 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_ConsolidatedStatementsOfCashFlowsAbstract', window );"><strong>Consolidated statements of cash flows [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_LiabilitiesFromFinancingActivitiesTableTextBlock', window );">Liabilities from financing activities [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 2024, 2023 and 2022 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%">2024</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%">2023</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%">2024</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%">2023</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></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%">68,707</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%">55,429</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%">55,763</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%">15,832</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%">12,485</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%">14,794</span></td></tr><tr><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%">627</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,283</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,303</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,388</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,945)</span></td></tr><tr><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%">532</span></td><td colspan="3" style="padding:2px 1pt;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)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">344</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">421</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%">(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:8pt;font-weight:400;line-height:120%">(364)</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%">Acquisition</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Disposal</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%">&#8212;</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:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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"><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%">Disposals by companies held for sale </span></div></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%">&#8212;</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:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#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%">532</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%">(5)</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%">344</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%">421</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%">(40)</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%">(364)</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:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;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:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;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%">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%">69,867</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">68,707</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55,429</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19,556</span></td><td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,832</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:8pt;font-weight:700;line-height:120%">12,485</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:120%">(1) There were &#8364;56, &#8364;35 and &#8364;24 million of subordinated deposits as of December 31, 2024, 2023 and 2022, respectively (see Note 22.4). In addition, there were coupon payments on subordinated liabilities for &#8364;388, &#8364;345 and &#8364;313 million in 2024, 2023 and 2022, respectively. Appendix VI details the outstanding subordinated debt issued by their nominal value.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526548944">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 52 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_AuditorsRemunerationAbstract', window );"><strong>Auditor's remuneration [abstract]</strong></a></td>
<td class="text">&#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_FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock', window );">Fees for audits conducted and other related services [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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, 2024, 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:99.739%"><tr><td style="width:1.0%"></td><td style="width:61.400%"></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:11.400%"></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></tr><tr><td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.1pt"><span style="color:#01a5a5;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:#01a5a5;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:#01a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> (Millions of Euros) </span></div></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="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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;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%">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%">32.8</span></td><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%">28.5</span></td><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%">24.8</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: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%">1.5</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%">1.4</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:8pt;font-weight:400;line-height:120%">1.0</span></td></tr><tr><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%">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%">0.1</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:8pt;font-weight:400;line-height:120%">0.1</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:8pt;font-weight:400;line-height:120%">0.1</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Regardless of the billed year.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Including fees pertaining to annual legal audits (&#8364;26.0 million as of December 31, 2024).</span></div><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_OtherServicesRenderedTableTextBlock', window );">Other services rendered [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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, 2024, 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:99.739%"><tr><td style="width:1.0%"></td><td style="width:61.400%"></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:11.400%"></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></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%">Other Services rendered (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="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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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></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%">0.2</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%">0.2</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%">0.1</span></td></tr></table></div><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_FeesForAuditsConductedTableTextBlock', window );">Fees for audits conducted [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;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:60.995%"></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="6" 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%">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><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="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:8pt;font-weight:700;line-height:120%">2024</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%">2023</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></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%">8.5</span></td><td colspan="3" style="background-color:#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%">7.9</span></td><td colspan="3" style="background-color:#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%">7.6</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%">5.6</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:8pt;font-weight:400;line-height:120%">5.4</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:8pt;font-weight:400;line-height:120%">5.2</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%">2.0</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.9</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: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: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%">1.2</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%">1.0</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.4</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%">1.2</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%">0.8</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:8pt;font-weight:400;line-height:120%">0.8</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Services provided by Ernst &amp; Young, S.L. to companies located in Spain, to the branch of BBVA in New York, the branch of BBVA in London and the branch of BBVA in Frankfurt.</span></div><span></span>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526617184">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 53 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</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_RelatedPartyTransactionsAbstract', window );"><strong>Related party transactions [abstract]</strong></a></td>
<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_BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock', window );">Balances Arising From Transactions With Entities Of The Group Explanatory [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 joint ventures and associates 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 of BBVA Group entities with joint ventures and associates (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%">2024</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%">2023</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></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%">13</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%">5</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%">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: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%">639</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">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:8pt;font-weight:400;line-height:120%">1,842</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%">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:8pt;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:8pt;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:#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%">1</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%">&#8212;</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%">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:8pt;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:8pt;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:8pt;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:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204</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%">171</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%">177</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%">136</span></td></tr><tr><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%">784</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">595</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">751</span></td></tr><tr><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%">117</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><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="padding:2px 1pt;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></tr></table></div><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_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock', window );">Balance of income statement arising from transactions with entities of the group [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 joint ventures and associates 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;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 of BBVA Group entities with joint ventures and associates (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%">2024</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%">2023</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></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%">37</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%">44</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%">20</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%">4</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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="padding:2px 1pt;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%">7</span></td><td colspan="3" style="padding:2px 1pt;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</span></td><td colspan="3" style="padding:2px 1pt;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></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%">55</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49</span></td><td colspan="3" style="padding:2px 1pt;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</span></td></tr></table></div><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_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock', window );">Transactions with members of the board of directors and senior management balance at 31st december [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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><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:8.607%"></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:6.141%"></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:0.1%"></td><td style="width:0.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.909%"></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:6.758%"></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:4.909%"></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:7.682%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.918%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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  December 31 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%">2024</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%">2023</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%">2022</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;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%">Directors</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:5pt;font-weight:700;line-height:120%">Related parties of Directors</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"><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-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:5pt;font-weight:700;line-height:120%">Related parties of Senior Management</span></td><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 #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%">Directors</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:5pt;font-weight:700;line-height:120%">Related parties of Directors</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"><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-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:5pt;font-weight:700;line-height:120%">Related parties of Senior Management</span></td><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 #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%">Directors</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:5pt;font-weight:700;line-height:120%">Related parties of Directors</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"><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-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: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 #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%">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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,176</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">210</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">4,664</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">688</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">531</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">243</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">5,553</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">727</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">668</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">1,880</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">6,321</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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%">764</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%">Bank guarantees</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</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%">10</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</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:top"><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;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%">&#8212;</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%">10</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</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:top"><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;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%">&#8212;</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%">10</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Excluding executive directors.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Balance of income statement arising from transactions with entities of the group</p></div>
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<td style="white-space:nowrap;">bbva_BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td>duration</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360710618448">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 54 (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2024</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_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract', window );"><strong>Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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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_RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock', window );">Remuneration For Non Executive Directors Explanatory [Table Text Block]</a></td>
<td class="text"><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:18.468%"></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: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="30" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Remuneration of non-executive directors (thousands of Euros) </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></div></td><td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Board of Directors</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Executive Committee </span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Audit Committee</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Risk and Compliance Committee</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Remuneration Committee </span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Appointments and Corporate Governance Committee</span></td><td colspan="3" rowspan="2" 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:5pt;font-weight:700;line-height:120%">Technology and Cybersecurity Committee</span></td><td colspan="3" rowspan="2" 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:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%">Other positions </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.25pt;font-weight:700;line-height:120%;position:relative;top:-1.75pt;vertical-align:baseline">(2)</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:5pt;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;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%">2024</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:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">165</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><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="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><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="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">115</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><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="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">625</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">593</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">167</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:7pt;font-weight:400;line-height:120%">22</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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">31</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">455</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:7pt;font-weight:400;line-height:120%">502</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Enrique Casanueva N&#225;rdiz</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"> (3)</span></div></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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">44</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:7pt;font-weight:400;line-height:120%">71</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">223</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:7pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Sonia Dul&#225;</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:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">66</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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">302</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:7pt;font-weight:400;line-height:120%">223</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">214</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">46</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">80</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:7pt;font-weight:400;line-height:120%">512</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:7pt;font-weight:400;line-height:120%">461</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">167</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">36</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:7pt;font-weight:400;line-height:120%">46</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">378</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:7pt;font-weight:400;line-height:120%">416</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:6.5pt;font-weight:400;line-height:120%">Connie Hedegaard Koksbang</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:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">66</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">195</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:7pt;font-weight:400;line-height:120%">173</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">66</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">238</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:7pt;font-weight:400;line-height:120%">238</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Jos&#233; Maldonado Ramos </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(4)</span></div></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:7pt;font-weight:400;line-height:120%">32</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:7pt;font-weight:400;line-height:120%">42</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">12</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">85</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:7pt;font-weight:400;line-height:120%">342</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Cristina de Parias Halc&#243;n </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(5)</span></div></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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">31</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:7pt;font-weight:400;line-height:120%">29</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">167</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:7pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">66</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">238</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:7pt;font-weight:400;line-height:120%">238</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Juan Pi Llorens </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(4)</span></div></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:7pt;font-weight:400;line-height:120%">32</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">27</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">12</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:7pt;font-weight:400;line-height:120%">11</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">81</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:7pt;font-weight:400;line-height:120%">361</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">107</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:7pt;font-weight:400;line-height:120%">86</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">364</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:7pt;font-weight:400;line-height:120%">307</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Susana Rodr&#237;guez Vidarte </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(6)</span></div></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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">112</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:6.5pt;font-weight:400;line-height:120%">Carlos Salazar Lomel&#237;n </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline">(7)</span></div></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:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">172</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:7pt;font-weight:400;line-height:120%">172</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:6.5pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">43</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:7pt;font-weight:400;line-height:120%">&#8212;</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:7pt;font-weight:400;line-height:120%">214</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:7pt;font-weight:400;line-height:120%">214</span></td></tr><tr><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></div></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,695</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">542</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">497</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">633</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">293</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">293</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><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;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">130</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,250</span></td><td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,350</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%">(1) Includes amounts corresponding to the positions on the Board and its various Committees, the composition of which was modified on April 26, 2024.</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:120%">(2) Amounts corresponding to the positions of Deputy Chair of the Board of Directors and Lead Director.</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:120%">(3) Director appointed by the General Shareholders' Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. </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:120%">(4) Directors who left office on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(5) Director appointed by the General Shareholders&#8217; Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. In addition, the director Cristina de Parias Halc&#243;n received in the 2024 and 2023 financial years, &#8364;72 thousand and &#8364;76 thousand, respectively, as per diems for her attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. Likewise, in 2024, she received &#8364;56 thousand and 14,697 BBVA shares corresponding to the deferred portion of 2018 and 2019 annual variable remuneration accrued in her former condition of BBVA&#8217;s member of Senior Management, including the update of its cash portion. In 2025, the last payment of the deferred portion of 2019 annual variable remuneration, including the update of its cash portion, is due to this director (&#8364;30 thousand and 7,593 BBVA shares). </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:120%">(6) Director who left office on March 17, 2023. Remuneration in 2023 corresponding to the term in office in that financial year.</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:120%">(7) In addition, in financial years 2024 and 2023, the director Carlos Salazar Lomel&#237;n received &#8364;113 thousand and &#8364;67 thousand, respectively, as per diems for his attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. and of the strategy forum of BBVA M&#233;xico, S.A. de CV.</span></div><span></span>
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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_TheoreticalSharesTableTextBlock', window );">Theoretical shares [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The theoretical shares allocated to non-executive directors who were beneficiaries of the remuneration system with deferred delivery of shares in the 2024 and 2023 financial years, corresponding to 20% of the total annual fixed allowance in cash received by each of them in the 2023 and 2022 financial years, respectively, were 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: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%">2024</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%">2023</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: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:7pt;font-weight:700;line-height:120%">Theoretical shares allocated </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-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: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:7pt;font-weight:700;line-height:120%">Theoretical shares allocated </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-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%">13,407</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%">147,455</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%">16,023</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%">134,048</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%">11,350</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%">106,310</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%">17,255</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%">94,960</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%">Enrique Casanueva N&#225;rdiz </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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">Sonia Dul&#225; </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;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,042</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%">5,042</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%">&#8212;</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%">&#8212;</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%">10,423</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%">40,191</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%">10,091</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%">29,768</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%">9,401</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%">110,593</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%">10,603</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%">101,192</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 Koksbang</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%">3,914</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%">7,177</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%">3,263</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%">3,263</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%">5,384</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%">76,977</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%">7,237</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%">71,593</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%">Jos&#233; Maldonado Ramos &#8317;&#8308;&#8318;</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%">7,735</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%">&#8212;</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%">10,397</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%">146,874</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%">Cristina de Parias Halc&#243;n &#8317;&#178;&#8318;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">&#8212;</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%">5,384</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%">47,713</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%">7,237</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%">42,329</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%">Juan Pi Llorens &#8317;&#8308;&#8318;</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%">8,157</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%">&#8212;</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%">13,943</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%">148,542</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%">6,947</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%">31,161</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%">8,035</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%">24,214</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%">Susana Rodr&#237;guez Vidarte &#8317;&#8309;&#8318;</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%">&#8212;</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%">&#8212;</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%">13,648</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%">&#8212;</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%">3,882</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%">21,012</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%">5,218</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%">17,130</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%">4,851</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%">40,623</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%">6,521</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%">35,772</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></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%">95,877</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%">634,254</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%">129,471</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%">849,685</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The number of theoretical shares was calculated according to the average closing price of the BBVA share during the 60 trading sessions prior to the dates of the General Shareholders&#8217; Meetings of March 15, 2024 and March 17, 2023 which were &#8364;8.84 and &#8364;6.58 per share, respectively.  </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:120%">(2)  Directors appointed by the General Meeting held on March 15, 2024; accordingly, the allocation of theoretical shares is not due until 2025. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Director appointed by the General Meeting held on March 17, 2023; accordingly, the first allocation of theoretical shares was made in 2024.</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:120%">(4) Directors who left office on March 15, 2024. In application of the system, Jos&#233; Maldonado Ramos and Juan Pi Llorens received a total of 154,609 and 156,699 BBVA shares, respectively, after leaving office, which is equivalent to the total theoretical shares accumulated up to that date by each of them.</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:120%">(5) Director who left office on March 17, 2023. In application of the system, she received a total of 191,423 BBVA shares, after leaving office, which was equivalent to the total theoretical shares accumulated up to that date.</span></div><span></span>
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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_AnnualFixedRemunerationTableTextBlock', window );">Annual fixed remuneration [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 financial years 2024 and 2023 indicated below, individually and by remuneration item, are the result of applying the BBVA Directors&#8217; Remuneration Policy approved at the General Shareholders&#8217; Meeting held on March 17, 2023. </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 0 1.49pt;text-indent:-0.49pt"></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%">2024</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%">2023</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%">2,924</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%">2,924</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%">2,179</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%">2,179</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:right;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,103</span></td><td colspan="3" style="background-color:#5ac4c4;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%">5,103</span></td></tr></table></div><span></span>
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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_AnnualVariableRemunerationAVRTableTextBlock', window );">Annual Variable Remuneration (AVR) [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">Taking into account the above, the Upfront Portion of the AVR for the financial years 2024 and 2023 of the executive directors which is due for payment once each of said financial years has ended, in equal parts in cash and BBVA shares, is indicated 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: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:#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 Variable Remuneration (AVR)</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></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%">2024 </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><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%">2023 </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></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: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%">897</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%">92,803</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:top"><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-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%">107,835</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%">671</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%">69,408</span></td><td colspan="3" style="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:400;line-height:120%">671</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%">80,650</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:right;vertical-align:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,568</span></td><td colspan="3" style="background-color:#5ac4c4;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%">162,211</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:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,568</span></td><td colspan="3" style="background-color:#5ac4c4;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%">188,485</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) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to 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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached. </span></div><div style="margin-bottom:10pt;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) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares).</span></div>The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.<span></span>
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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_DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock', window );">Deferred Annual Variable Remuneration from previous financial years [Table Text Block]</a></td>
<td class="text"><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;text-align:left;vertical-align:top"><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%">Deferred Annual Variable Remuneration (AVR) from previous financial years</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:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;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%">2024</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><td colspan="3" style="padding:0 1.18pt 0 1pt;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%">2023</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></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"><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;text-indent:-0.18pt"></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 #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 shares </span></td><td colspan="3" style="background-color:#ffffff;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 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 #ffffff;border-right: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 shares</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" 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:700;line-height:120%">Chair</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;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:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">221</span></td><td colspan="3" style="background-color:#ffffff;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%">38,821</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:top"><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-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%">&#8212;</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;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%">236</span></td><td colspan="3" style="background-color:#ffffff;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%">56,941</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">229</span></td><td colspan="3" style="background-color:#ffffff;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%">56,941</span></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:top"><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="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">228</span></td><td colspan="3" style="background-color:#ffffff;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%">57,325</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">222</span></td><td colspan="3" style="background-color:#ffffff;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%">57,325</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">0</span></td><td colspan="3" style="background-color:#ffffff;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%">0</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0</span></td><td colspan="3" style="background-color:#ffffff;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%">0</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">181</span></td><td colspan="3" style="background-color:#ffffff;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%">45,529</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176</span></td><td colspan="3" style="background-color:#ffffff;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%">45,529</span></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:top"><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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</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:top"><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="background-color:#ffffff;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%">35,795</span></td></tr><tr><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"><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:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">867</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">198,616</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">760</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">195,590</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></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"></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="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" 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: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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</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:top"><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;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%">29,034</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:top"><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;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%">&#8212;</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</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:top"><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="background-color:#ffffff;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%">43,793</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176</span></td><td colspan="3" style="background-color:#ffffff;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%">43,793</span></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:top"><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;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">173</span></td><td colspan="3" style="background-color:#ffffff;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%">43,552</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169</span></td><td colspan="3" style="background-color:#ffffff;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%">43,552</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">0</span></td><td colspan="3" style="background-color:#ffffff;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%">0</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0</span></td><td colspan="3" style="background-color:#ffffff;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%">0</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">163</span></td><td colspan="3" style="background-color:#ffffff;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%">40,858</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">158</span></td><td colspan="3" style="background-color:#ffffff;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%">40,858</span></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:top"><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;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#8212;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"><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;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">683</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">157,237</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">503</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">128,203</span></td></tr><tr><td colspan="6" 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:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;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%">1,550</span></td><td colspan="3" style="background-color:#5ac4c4;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%">355,853</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:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,263</span></td><td colspan="3" style="background-color:#5ac4c4;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%">323,793</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) Deferred remuneration payable after the 2024 year-end, including the update of its cash portion. Payment to the Chair and the Chief Executive Officer will take place in 2025 in accordance with the vesting and payment rules set out in the remuneration policies applicable 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">2023 Deferred AVR: the first payment of the Deferred STI (17.9% of the Deferred Portion) is due to executive directors. Thereafter, the second payment of the Deferred STI (17.9% of the Deferred Portion) and the 2023 LTI (64.2% of the Deferred Portion) will be deferred for both executive directors. The final amount of the 2023 LTI will depend on the result of the long-term indicators approved for its calculation once its measurement period has elapsed (at the end of 2026), which may range between an achievement of 0% to 150%. If the relevant conditions are met, the second payment of the Deferred STI will be made in 2026 and the three payments of the 2023 LTI will be made in 2027, 2028 and 2029. </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">2022 Deferred AVR: the second payment (20% of the Deferred Portion) is due to executive directors. Thereafter, 60% of the 2022 Deferred AVR will be deferred for both executive directors, which, if the relevant conditions are met, will be paid in 2026, 2027, and 2028.</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: the third payment (20% of the Deferred Portion) is due to executive directors, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. Thereafter, 40% of the 2021 Deferred AVR will be deferred for both executive directors which, if the relevant conditions are met, will be paid in 2026 and 2027.</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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. </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">2019 Deferred AVR: the third and final payment (20% of the Deferred Portion) is due to executive directors. Following this, payment to executive directors of the 2019 Deferred AVR will be completed. </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 which was payable after the 2023 year-end, including the update of its cash portion. Its payment to the Chair and/or the Chief Executive Officer took place in 2024, in accordance with the vesting and payment rules set out in the remuneration policies applicable 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">2022 Deferred AVR: in 2024, the first payment (20% of the Deferred Portion) was made to executive directors. </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: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. </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">2019 Deferred AVR: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. </span></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span>2018 Deferred AVR: in 2024, the third and final payment (20% of the Deferred Portion) was made to the Chair. Following this, payment to the Chair of the 2018 Deferred AVR, which was associated with his former position as Chief Executive Officer, was completed.<span></span>
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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_ExecutiveDirectorsTableTextBlock', window );">Executive directors [Table Text Block]</a></td>
<td class="text"><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:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"><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%">Pension systems (thousands of Euros)</span></div></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: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%">Accumulated funds</span></div></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: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%">2024</span></div></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></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%">2024</span></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2024</span></div></td><td colspan="3" style="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:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></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%">456</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%">458</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%">252</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%">322</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%">26,893</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%">24,759</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%">&#8212;</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%">&#8212;</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%">221</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%">230</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%">&#8212;</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%">&#8212;</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%">456</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%">458</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%">472</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%">552</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%">26,893</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%">24,759</span></td></tr></table>(1) Contributions recognized to meet the pension commitments with the executive directors in financial years 2024 and 2023. In the case of the Chair, these relate to the sum of the annual retirement pension contribution and the adjustment made to the &#8220;discretionary pension benefits&#8221; for the financial years 2023 and 2022, the contribution of which to the accumulated fund was to be made in the financial years 2024 and 2023, respectively, as well as to the premiums for the death and disability contingencies. In the case of the Chief Executive Officer, the contributions recognized correspond exclusively to the insurance premiums paid by the Bank in 2024 and 2023 to cover the death and disability contingencies given that, in his case, the Bank has not undertaken any commitments to cover the contingency of retirement.<span></span>
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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_AnnualFixedRemunerationSeniorManagementTableTextBlock', window );">Annual fixed remuneration Senior management [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-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 financial years 2024 and 2023, as indicated below, broken down by remuneration item, are the result of applying the BBVA Group&#8217;s General Remuneration Policy approved by the Board of Directors on March 29, 2023. </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;text-align:left;vertical-align:top"><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%">Fixed remuneration (thousands of Euros)</span></div></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 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2024</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2023</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;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:700;line-height:120%">Senior Management Total </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><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%">19,928</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%">18,187</span></td></tr></table></div>(1) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases.<span></span>
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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_AnnualVariableRemunerationAVRSeniorManagementTableTextBlock', window );">Annual Variable Remuneration (AVR) Senior Management [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><table style="border-collapse: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:#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 Variable Remuneration (AVR)</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></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%">2024 </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><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%">2023 </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></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"><div style="margin-bottom:0.05pt;margin-top:0.05pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Senior Management Total </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">(3)</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%">2,272</span></td><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%">235,016</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%">2,229</span></td><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%">267,628</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares or instruments linked to shares). </span></div><div style="margin-bottom:3pt;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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.</span></div><div style="margin-bottom:3pt;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) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares). </span></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.</span></div><div style="margin-bottom:3pt;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%">(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases.</span></div><span></span>
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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_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock', window );">Deferred Annual Variable Remuneration from previous years Senior Management [Table Text Block]</a></td>
<td class="text"><div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"><table style="border-collapse: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;text-align:left;vertical-align:top"><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%">Deferred Annual Variable Remuneration (AVR) from previous financial years </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:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="padding:0 1pt;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%">2024</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><td colspan="3" style="padding:0 1.18pt 0 1pt;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%">2023</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></tr><tr><td colspan="3" style="padding:0 1.18pt 0 1pt;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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Deferred AVR</span></td><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: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: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 #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:7pt;font-weight:700;line-height:120%">In shares </span></td><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;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: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 #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:7pt;font-weight:700;line-height:120%">In shares</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" style="background-color:#ffffff;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:700;line-height:120%">Senior Management Total </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">(3)</span></div></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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%">576&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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%">98,636&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">526</span></td><td colspan="3" style="background-color:#ffffff;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%">125,129</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">493</span></td><td colspan="3" style="background-color:#ffffff;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%">122,566</span></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:top"><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="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">490</span></td><td colspan="3" style="background-color:#ffffff;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%">119,207</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">457</span></td><td colspan="3" style="background-color:#ffffff;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%">116,528</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">56</span></td><td colspan="3" style="background-color:#ffffff;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%">14,340</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,494</span></td><td colspan="3" style="background-color:#ffffff;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%">289,020</span></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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2019</span></td><td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">314</span></td><td colspan="3" style="background-color:#ffffff;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%">77,447</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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">303</span></td><td colspan="3" style="background-color:#ffffff;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%">77,447</span></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:top"><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;text-indent:-0.18pt"></td><td colspan="3" style="background-color:#ffffff;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%">&#8212;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 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%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:top"><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;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%">36,454</span></td></tr><tr><td colspan="6" 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:0 1pt"></td><td colspan="3" style="background-color:#5ac4c4;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%">1,963</span></td><td colspan="3" style="background-color:#5ac4c4;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%">434,759</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:top"><span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,885</span></td><td colspan="3" style="background-color:#5ac4c4;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%">642,015</span></td></tr></table><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Deferred remuneration payable after 2024 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who are beneficiaries will take place in 2025 in accordance with the remuneration policies applicable in each financial year and the vesting and payment rules set forth therein applicable to each member of Senior Management, based on when they became such a member: </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">2023 Deferred AVR: the first payment of the Deferred STI is due to members of Senior Management. </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">2022 Deferred AVR: the second payment is due to members of Senior Management. </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: the third payment is due to members of Senior Management, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, the second payment of the deferred portion of a success bonus on the sale of BBVA USA is due to one member of Senior Management &#8212; an executive of BBVA USA at that time &#8212;. </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: the third and final payment is due to the members of Senior Management that are beneficiaries. In addition, the third and final payment of the deferred portion of a retention plan is payable to one member of Senior Management.</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 which was payable after the 2023 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who were beneficiaries took place in 2024 in accordance with the vesting and payment rules set forth in the remuneration policies applicable 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">2022 Deferred AVR: in 2024, the first payment was made to members of Senior Management. </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: in 2024, the second payment was made to members of Senior Management. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, in 2024 the deferred portion of a success bonus on the sale of BBVA USA was paid to two members of the Senior Management &#8212; who were executives of BBVA USA at that time &#8212;. In 2024, one of them received the whole of the deferred portion and the other one received the first payment of the deferred portion, in accordance with the vesting and payment rules set out in the remuneration policies applicable to each of them in that 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">2019 Deferred AVR: in 2024, the second payment was made to the members of Senior Management who were beneficiaries. In addition, the second payment of the deferred portion of a retention plan was paid to a member of Senior Management. </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 2024, the third and final payment was made to the members of Senior Management who were beneficiaries. </span></div>(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases.<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_SeniorManagementTableTextBlock', window );">Senior Management [Table Text Block]</a></td>
<td class="text"><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:19.855%"></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:0.1%"></td><td style="width:0.570%"></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:14.924%"></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:11.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.231%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" 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%">Pension systems (thousands of Euros)</span></div></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: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%">Contributions </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><td colspan="3" style="padding:0 1pt"></td><td colspan="6" rowspan="2" 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%">Accumulated funds</span></div></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:middle"><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:middle"><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: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%">2024</span></div></td><td colspan="3" style="border-top:1pt solid #000000;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%">2023</span></div></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: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%">2024</span></div></td><td colspan="3" style="border-top:1pt solid #000000;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%">2023</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;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%">2024</span></div></td><td colspan="3" style="border-top:1pt solid #000000;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%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;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:700;line-height:120%">Senior Management Total </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="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%">4,226</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%">3,829</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%">1,181</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%">1,102</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%">40,549</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%">34,069</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 with all Senior Management in financial years 2024 and 2023, which relate to the sum of the annual retirement pension contributions and the adjustments made to the &#8220;discretionary pension benefits&#8221; for 2023 and 2022 which were included in the accumulated fund in 2024 and 2023, respectively, and to the insurance premiums paid by the Bank for death and disability contingencies.</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%">(2) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Annual Variable Remuneration (AVR) Senior Management</p></div>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Annual Variable Remuneration from previous years Senior Management</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Executive directors</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management [Abstract]</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Remuneration For Non Executive Directors Explanatory</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Senior Management</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Theoretical 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">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360617063472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 2 Depreciation rates for tangible assets (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></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_bbva_DepreciationRatesForTangibleAssetsAxis=ifrs-full_BuildingsMember', window );">Buildings [member]</a></td>
<td class="text">&#160;<span></span>
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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_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems', window );"><strong>Effective dates of revaluation property plant and equipment [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_ifrs-full_EffectiveDatesOfRevaluationPropertyPlantAndEquipment', window );">Effective dates of revaluation, property, plant and equipment</a></td>
<td class="text">1% - 4%<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_bbva_DepreciationRatesForTangibleAssetsAxis=bbva_FurnitureMember', window );">Furniture [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_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems', window );"><strong>Effective dates of revaluation property plant and equipment [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_ifrs-full_EffectiveDatesOfRevaluationPropertyPlantAndEquipment', window );">Effective dates of revaluation, property, plant and equipment</a></td>
<td class="text">8% - 10%<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_bbva_DepreciationRatesForTangibleAssetsAxis=ifrs-full_FixturesAndFittingsMember', window );">Fixtures and fittings [member]</a></td>
<td class="text">&#160;<span></span>
</td>
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<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_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems', window );"><strong>Effective dates of revaluation property plant and equipment [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_ifrs-full_EffectiveDatesOfRevaluationPropertyPlantAndEquipment', window );">Effective dates of revaluation, property, plant and equipment</a></td>
<td class="text">6% - 12%<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_bbva_DepreciationRatesForTangibleAssetsAxis=ifrs-full_OfficeEquipmentMember', window );">Office equipment [member]</a></td>
<td class="text">&#160;<span></span>
</td>
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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_bbva_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems', window );"><strong>Effective dates of revaluation property plant and equipment [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_ifrs-full_EffectiveDatesOfRevaluationPropertyPlantAndEquipment', window );">Effective dates of revaluation, property, plant and equipment</a></td>
<td class="text">8% - 25%<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_bbva_DepreciationRatesForTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member]</a></td>
<td class="text">&#160;<span></span>
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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_EffectiveDatesOfRevaluationPropertyPlantAndEquipmentLineItems', window );"><strong>Effective dates of revaluation property plant and equipment [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_ifrs-full_EffectiveDatesOfRevaluationPropertyPlantAndEquipment', window );">Effective dates of revaluation, property, plant and equipment</a></td>
<td class="text">The lesser of the lease term or the useful life of the underlying asset<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effective dates of revaluation property plant and equipment</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 effective dates of the revaluation for items of property, plant and equipment stated at revalued amounts. [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/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2024-01-01<br> -Paragraph 77<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_77_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepreciationRatesForTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
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</tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>136
<FILENAME>R117.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526825504">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 3 Contribution to consolidated group total assets entities by main activities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_ContributionToConsolidatedGroupTotalAssetsLineItems', window );"><strong>Contribution to Consolidated Group total assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">&#8364; 772,402<span></span>
</td>
<td class="nump">&#8364; 775,558<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 712,092<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[3]</sup></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_bbva_EntitiesByMainActivitiesAxis=bbva_BankingAndOtherFinancialServicesMember', window );">Banking and other financial services [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ContributionToConsolidatedGroupTotalAssetsLineItems', window );"><strong>Contribution to Consolidated Group total assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">733,860<span></span>
</td>
<td class="nump">737,971<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">678,809<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_EntitiesByMainActivitiesAxis=bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember', window );">Insurance and pension and investment fund managing companies [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ContributionToConsolidatedGroupTotalAssetsLineItems', window );"><strong>Contribution to Consolidated Group total assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">34,439<span></span>
</td>
<td class="nump">34,520<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">30,066<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_EntitiesByMainActivitiesAxis=bbva_OtherNonFinancialServicesMember', window );">Other non-financial services [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ContributionToConsolidatedGroupTotalAssetsLineItems', window );"><strong>Contribution to Consolidated Group total assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">&#8364; 4,103<span></span>
</td>
<td class="nump">&#8364; 3,068<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 3,217<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the years 2023 and 2022 were </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">revised, which has not affected t</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">he consolidated financial information of the Group.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Restated balances according to IFRS 17 - Insurance contracts, which had no material impacts as of that date (see &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 &#8211; Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8221;).</span></div></td>
</tr>
</table></td></tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ContributionToConsolidatedGroupTotalAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Contribution to Consolidated Group total 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_ContributionToConsolidatedGroupTotalAssetsLineItems</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_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 2024-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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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>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</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_bbva_EntitiesByMainActivitiesAxis=bbva_BankingAndOtherFinancialServicesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EntitiesByMainActivitiesAxis=bbva_BankingAndOtherFinancialServicesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></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;">bbva_EntitiesByMainActivitiesAxis=bbva_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember</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>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EntitiesByMainActivitiesAxis=bbva_OtherNonFinancialServicesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_EntitiesByMainActivitiesAxis=bbva_OtherNonFinancialServicesMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>137
<FILENAME>R118.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360524162688">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 4 Available amount for interim dividend payments (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Aug. 31, 2023 </div>
<div>EUR (&#8364;)</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_AvailableAmountForInterimDividendPaymentsLineItems', window );"><strong>Available amount for interim dividend payments [Line Items]</strong></a></td>
<td class="text">&#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_ProfitOfBBVAAfterTheProvisionForIncomeTax', window );">Profit of BBVA after the provision for income tax</a></td>
<td class="nump">&#8364; 6,854<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_MaximumAmountDistributable', window );">Maximum amount distributable</a></td>
<td class="nump">6,854<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_AmountOfProposedInterimDividend', window );">Amount of proposed interim dividend</a></td>
<td class="nump">1,671<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_BBVACashBalanceAvailableToTheDate', window );">BBVA cash balance available to the date</a></td>
<td class="nump">&#8364; 33,530<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfProposedInterimDividend">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of proposed interim dividend</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_AmountOfProposedInterimDividend</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_AvailableAmountForInterimDividendPaymentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Available amount for interim dividend payments</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_AvailableAmountForInterimDividendPaymentsLineItems</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_BBVACashBalanceAvailableToTheDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>BBVA cash balance available to the date</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_BBVACashBalanceAvailableToTheDate</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_MaximumAmountDistributable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum amount distributable</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_MaximumAmountDistributable</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_ProfitOfBBVAAfterTheProvisionForIncomeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 of BBVA after the provision for income tax</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_ProfitOfBBVAAfterTheProvisionForIncomeTax</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>138
<FILENAME>R119.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360524418544">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 4 Allocation of earnings (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</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_ApplicationOfResultsLineItems', window );"><strong>Application of results [Line Items]</strong></a></td>
<td class="text">&#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_ProfitOrLossForTheYearAllocationOfEarnings', window );">Profit or loss for the year allocation of earnings</a></td>
<td class="nump">&#8364; 10,235<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_InterimDividendsApplicationOfResults', window );">Interim dividends application of results</a></td>
<td class="nump">1,671<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_DividendPayables', window );">Dividend payables</a></td>
<td class="nump">2,363<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_ReservesAcumulatedGains', window );">Reserves / Acumulated gains</a></td>
<td class="nump">&#8364; 6,200<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ApplicationOfResultsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Application of results</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_ApplicationOfResultsLineItems</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_InterimDividendsApplicationOfResults">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 application of results</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_InterimDividendsApplicationOfResults</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_ProfitOrLossForTheYearAllocationOfEarnings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 for the year allocation of earnings</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_ProfitOrLossForTheYearAllocationOfEarnings</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_ReservesAcumulatedGains">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 / Acumulated gains</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_ReservesAcumulatedGains</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_DividendPayables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that the company has declared but not yet paid.</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DividendPayables</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>139
<FILENAME>R120.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360562296400">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 5 Basic and diluted earnings per share (Details) - EUR (&#8364;)<br> &#8364; / shares in Units, &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_EarningsPerShareLineItems', window );"><strong>Basic and diluted earnings per share [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 10,054<span></span>
</td>
<td class="nump">&#8364; 8,019<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 6,358<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[3]</sup></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_AdjustmentAdditionalTier1Securities', window );">Adjustment additional Tier 1 securities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="num">(388)<span></span>
</td>
<td class="num">(345)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(313)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitAdjusted', window );">Profit adjusted</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,666<span></span>
</td>
<td class="nump">7,675<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,045<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments', window );">Of which profit loss from continued operations net of remuneration of additional Tier 1 capital instruments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,666<span></span>
</td>
<td class="nump">7,675<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,045<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest', window );">Of which profit from discontinued operations net of non-controlling interest</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_WeightedAverageNumberOfSharesOutstanding', window );">Weighted average number of shares outstanding</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,793<span></span>
</td>
<td class="nump">5,988<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,424<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AverageTreasuryShares', window );">Average treasury shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(9)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ShareBuybackProgram', window );">Share buyback program</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="num">(13)<span></span>
</td>
<td class="num">(28)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(225)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AdjustedNumberOfSharesBasicEarningsPerShareC', window );">Adjusted number of shares basic earnings per share C</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,769<span></span>
</td>
<td class="nump">5,954<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,189<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AdjustedNumberOfSharesDilutedEarningsPerShareD', window );">Adjusted number of shares diluted earnings per share D</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 5,769<span></span>
</td>
<td class="nump">&#8364; 5,954<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 6,189<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BasicEarningsLossPerShare', window );">Basic earnings (loss) per share</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 1.68<span></span>
</td>
<td class="nump">&#8364; 1.29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 0.98<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BasicEarningsLossPerShareFromContinuingOperations', window );">Basic earnings (loss) per share from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1.68<span></span>
</td>
<td class="nump">1.29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0.98<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DilutedEarningsLossPerShareFromContinuingOperations', window );">Diluted earnings (loss) per share from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1.68<span></span>
</td>
<td class="nump">1.29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0.98<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BasicEarningsLossPerShareFromDiscontinuedOperations', window );">Basic earnings (loss) per share from discontinued operations</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DilutedEarningsLossPerShareFromDiscontinuedOperations', window );">Diluted earnings (loss) per share from discontinued operations</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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">(2) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the year 2023 have been revised, which has not affected the consolidated financial information of the Group.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Restated according to IFRS 17 - Insurance contracts, which had no material impacts for such period (see </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8221;). </span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Remuneration in the year related to perpetual contingent convertible securities, recognized in equity (see Note 22.4).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top">(2) For the calculation of earnings per share, the average number of shares in a year takes into account the redemptions made in such year related to the share buyback programs announced (see Note 4)</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_AdjustedNumberOfSharesBasicEarningsPerShareC">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjusted number of shares basic earnings per share C</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_AdjustedNumberOfSharesBasicEarningsPerShareC</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_AdjustedNumberOfSharesDilutedEarningsPerShareD">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjusted number of shares diluted earnings per share D</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_AdjustedNumberOfSharesDilutedEarningsPerShareD</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_AdjustmentAdditionalTier1Securities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustment additional Tier 1 securities</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_AdjustmentAdditionalTier1Securities</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_AverageTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Average treasury 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_AverageTreasuryShares</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_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Of which profit from discontinued operations net of 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_OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest</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_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Of which profit loss from continued operations net of remuneration of additional Tier 1 capital 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_OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments</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_ProfitAdjusted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 adjusted</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_ProfitAdjusted</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_ShareBuybackProgram">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 buyback program</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_ShareBuybackProgram</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_WeightedAverageNumberOfSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average number of shares outstanding</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_WeightedAverageNumberOfSharesOutstanding</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_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 2024-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2024-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2024-03-27<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-2022: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, unless line item indicates otherwise [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 2024-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2024-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2024-03-27<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-2022: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;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of 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>
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<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>
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 6 Total Group assets by operating segments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1],[3]</sup></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_TotalAssetsLineItems', window );"><strong>Total Assets of the Group by business segments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">&#8364; 772,402<span></span>
</td>
<td colspan="2" class="nump">&#8364; 775,558<span></span>
</td>
<td class="nump">&#8364; 712,092<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_bbva_AssetsOfTheGroupByOperatingSegmentsAxis=country_ES', window );">SPAIN</a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TotalAssetsLineItems', window );"><strong>Total Assets of the Group by business segments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">417,752<span></span>
</td>
<td colspan="2" class="nump">457,573<span></span>
</td>
<td class="nump">427,049<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_AssetsOfTheGroupByOperatingSegmentsAxis=country_MX', window );">MEXICO</a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TotalAssetsLineItems', window );"><strong>Total Assets of the Group by business segments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">168,470<span></span>
</td>
<td colspan="2" class="nump">173,489<span></span>
</td>
<td class="nump">142,557<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_AssetsOfTheGroupByOperatingSegmentsAxis=country_TR', window );">TURKEY</a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TotalAssetsLineItems', window );"><strong>Total Assets of the Group by business segments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">82,782<span></span>
</td>
<td colspan="2" class="nump">68,329<span></span>
</td>
<td class="nump">66,036<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_AssetsOfTheGroupByOperatingSegmentsAxis=srt_SouthAmericaMember', window );">South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TotalAssetsLineItems', window );"><strong>Total Assets of the Group by business segments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">73,997<span></span>
</td>
<td colspan="2" class="nump">64,779<span></span>
</td>
<td class="nump">61,951<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_AssetsOfTheGroupByOperatingSegmentsAxis=bbva_RestOfBusinessMember', window );">Rest of business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TotalAssetsLineItems', window );"><strong>Total Assets of the Group by business segments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">66,534<span></span>
</td>
<td colspan="2" class="nump">64,274<span></span>
</td>
<td class="nump">49,952<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_AssetsOfTheGroupByOperatingSegmentsAxis=bbva_SubtotalAssetsByOperatingSegmentsMember', window );">Subtotal assets by operating segments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TotalAssetsLineItems', window );"><strong>Total Assets of the Group by business segments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="nump">809,536<span></span>
</td>
<td colspan="2" class="nump">828,445<span></span>
</td>
<td class="nump">747,545<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_AssetsOfTheGroupByOperatingSegmentsAxis=bbva_CorporateCenterAndAdjustmentsMember', window );">Corporate Center And Adjustments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TotalAssetsLineItems', window );"><strong>Total Assets of the Group by business segments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_Assets', window );">Assets</a></td>
<td class="num">&#8364; (37,134)<span></span>
</td>
<td colspan="2" class="num">&#8364; (52,886)<span></span>
</td>
<td class="num">&#8364; (35,453)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the years 2023 and 2022 were </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">revised, which has not affected t</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">he consolidated financial information of the Group.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Restated balances according to IFRS 17 - Insurance contracts, which had no material impacts as of that date (see &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 &#8211; Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8221;).</span></div></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total 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_TotalAssetsLineItems</td>
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<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 2024-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsOfTheGroupByOperatingSegmentsAxis=country_TR</td>
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<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 6 Main margins and profit by operating segments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1],[2]</sup></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_IncomeByOperatingSegmentLineItems', window );"><strong>income by operating segment [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterestRevenueExpense', window );">Interest income (expense)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">&#8364; (25,267)<span></span>
</td>
<td colspan="2" class="num">&#8364; (23,089)<span></span>
</td>
<td class="num">&#8364; (19,124)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GrossProfit', window );">Gross profit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">35,481<span></span>
</td>
<td colspan="2" class="nump">29,542<span></span>
</td>
<td class="nump">24,743<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,405<span></span>
</td>
<td colspan="2" class="nump">12,419<span></span>
</td>
<td class="nump">10,268<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss), attributable to owners of parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,054)<span></span>
</td>
<td colspan="2" class="num">(8,019)<span></span>
</td>
<td class="num">(6,358)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_IncomeByOperatingSegmentAxis=country_ES', window );">SPAIN</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncomeByOperatingSegmentLineItems', window );"><strong>income by operating segment [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterestRevenueExpense', window );">Interest income (expense)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(6,435)<span></span>
</td>
<td colspan="2" class="num">(5,620)<span></span>
</td>
<td class="num">(3,774)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GrossProfit', window );">Gross profit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,490<span></span>
</td>
<td colspan="2" class="nump">7,888<span></span>
</td>
<td class="nump">6,112<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,309<span></span>
</td>
<td colspan="2" class="nump">3,897<span></span>
</td>
<td class="nump">2,610<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss), attributable to owners of parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,784)<span></span>
</td>
<td colspan="2" class="num">(2,720)<span></span>
</td>
<td class="num">(1,667)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
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<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
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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_bbva_IncomeByOperatingSegmentLineItems', window );"><strong>income by operating segment [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterestRevenueExpense', window );">Interest income (expense)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(11,556)<span></span>
</td>
<td colspan="2" class="num">(11,054)<span></span>
</td>
<td class="num">(8,378)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GrossProfit', window );">Gross profit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,337<span></span>
</td>
<td colspan="2" class="nump">14,267<span></span>
</td>
<td class="nump">10,734<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,522<span></span>
</td>
<td colspan="2" class="nump">7,329<span></span>
</td>
<td class="nump">5,620<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss), attributable to owners of parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(5,447)<span></span>
</td>
<td colspan="2" class="num">(5,319)<span></span>
</td>
<td class="num">(4,131)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_IncomeByOperatingSegmentAxis=country_TR', window );">TURKEY</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncomeByOperatingSegmentLineItems', window );"><strong>income by operating segment [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterestRevenueExpense', window );">Interest income (expense)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,492)<span></span>
</td>
<td colspan="2" class="num">(1,869)<span></span>
</td>
<td class="num">(2,611)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GrossProfit', window );">Gross profit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,212<span></span>
</td>
<td colspan="2" class="nump">2,981<span></span>
</td>
<td class="nump">3,172<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,741<span></span>
</td>
<td colspan="2" class="nump">1,324<span></span>
</td>
<td class="nump">1,636<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss), attributable to owners of parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(611)<span></span>
</td>
<td colspan="2" class="num">(527)<span></span>
</td>
<td class="num">(505)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_IncomeByOperatingSegmentAxis=srt_SouthAmericaMember', window );">South America [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncomeByOperatingSegmentLineItems', window );"><strong>income by operating segment [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterestRevenueExpense', window );">Interest income (expense)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(5,589)<span></span>
</td>
<td colspan="2" class="num">(4,394)<span></span>
</td>
<td class="num">(4,138)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GrossProfit', window );">Gross profit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,405<span></span>
</td>
<td colspan="2" class="nump">4,331<span></span>
</td>
<td class="nump">4,265<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,342<span></span>
</td>
<td colspan="2" class="nump">1,189<span></span>
</td>
<td class="nump">1,434<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss), attributable to owners of parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(635)<span></span>
</td>
<td colspan="2" class="num">(601)<span></span>
</td>
<td class="num">(738)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_IncomeByOperatingSegmentAxis=bbva_RestOfBusinessMember', window );">Rest of business [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncomeByOperatingSegmentLineItems', window );"><strong>income by operating segment [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterestRevenueExpense', window );">Interest income (expense)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(741)<span></span>
</td>
<td colspan="2" class="num">(539)<span></span>
</td>
<td class="num">(332)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GrossProfit', window );">Gross profit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,458<span></span>
</td>
<td colspan="2" class="nump">1,103<span></span>
</td>
<td class="nump">790<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">634<span></span>
</td>
<td colspan="2" class="nump">489<span></span>
</td>
<td class="nump">277<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss), attributable to owners of parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(500)<span></span>
</td>
<td colspan="2" class="num">(396)<span></span>
</td>
<td class="num">(240)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_IncomeByOperatingSegmentAxis=bbva_CorporateCenterAndAdjustmentsMember', window );">Corporate Center And Adjustments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncomeByOperatingSegmentLineItems', window );"><strong>income by operating segment [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InterestRevenueExpense', window );">Interest income (expense)</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">546<span></span>
</td>
<td colspan="2" class="nump">386<span></span>
</td>
<td class="nump">109<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_GrossProfit', window );">Gross profit</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="num">(421)<span></span>
</td>
<td colspan="2" class="num">(1,029)<span></span>
</td>
<td class="num">(329)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="num">(1,142)<span></span>
</td>
<td colspan="2" class="num">(1,809)<span></span>
</td>
<td class="num">(1,309)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss), attributable to owners of parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">&#8364; 924<span></span>
</td>
<td colspan="2" class="nump">&#8364; 1,544<span></span>
</td>
<td class="nump">&#8364; 922<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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">(2) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the year 2023 have been revised, which has not affected the consolidated financial information of the Group.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Restated according to IFRS 17 - Insurance contracts, which had no material impacts for such period (see </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8221;). </span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Adjustments include the impact of the purchase of offices in Spain in 2022 in the transaction with Merlin Properties (see Note 17).</span></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_IncomeByOperatingSegmentLineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Income by operating segment</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_IncomeByOperatingSegmentLineItems</td>
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<td><strong> Period Type:</strong></td>
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<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 2024-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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 2024-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<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-2024-en-r&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
</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_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 2024-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
<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_bbva_IncomeByOperatingSegmentAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_IncomeByOperatingSegmentAxis=country_ES</td>
</tr>
<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>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomeByOperatingSegmentAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_IncomeByOperatingSegmentAxis=country_MX</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomeByOperatingSegmentAxis=country_TR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_IncomeByOperatingSegmentAxis=country_TR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomeByOperatingSegmentAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_IncomeByOperatingSegmentAxis=srt_SouthAmericaMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomeByOperatingSegmentAxis=bbva_RestOfBusinessMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_IncomeByOperatingSegmentAxis=bbva_RestOfBusinessMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomeByOperatingSegmentAxis=bbva_CorporateCenterAndAdjustmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_IncomeByOperatingSegmentAxis=bbva_CorporateCenterAndAdjustmentsMember</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570132544">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Positive scenario of GDP, unemployment rate and HPI for the main geographies (Details) - Positive scenario [Member]<br></strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</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_bbva_CountryAxis=country_ES', window );">SPAIN | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.52%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11.84%<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_HPI', window );">HPI</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1.61%)<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">3.13%<span></span>
</td>
<td class="nump">2.12%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.97%<span></span>
</td>
<td class="nump">10.32%<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_HPI', window );">HPI</a></td>
<td class="nump">3.01%<span></span>
</td>
<td class="nump">0.89%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.48%<span></span>
</td>
<td class="nump">2.70%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.78%<span></span>
</td>
<td class="nump">9.58%<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_HPI', window );">HPI</a></td>
<td class="nump">5.55%<span></span>
</td>
<td class="nump">2.96%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">5.02%<span></span>
</td>
<td class="nump">2.55%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.17%<span></span>
</td>
<td class="nump">8.81%<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_HPI', window );">HPI</a></td>
<td class="nump">6.98%<span></span>
</td>
<td class="nump">2.11%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">6.65%<span></span>
</td>
<td class="nump">2.34%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">7.64%<span></span>
</td>
<td class="nump">8.22%<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_HPI', window );">HPI</a></td>
<td class="nump">7.96%<span></span>
</td>
<td class="nump">2.14%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">7.05%<span></span>
</td>
<td class="nump">2.13%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">7.21%<span></span>
</td>
<td class="nump">7.67%<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_HPI', window );">HPI</a></td>
<td class="nump">7.69%<span></span>
</td>
<td class="nump">1.88%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">6.70%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.96%<span></span>
</td>
<td class="text">&#160;<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_HPI', window );">HPI</a></td>
<td class="nump">6.81%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.62%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.80%<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_HPI', window );">HPI</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.44%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.25%<span></span>
</td>
<td class="nump">3.79%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">2.75%<span></span>
</td>
<td class="nump">3.11%<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_HPI', window );">HPI</a></td>
<td class="nump">4.57%<span></span>
</td>
<td class="nump">4.98%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">2.48%<span></span>
</td>
<td class="nump">2.68%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.04%<span></span>
</td>
<td class="nump">3.07%<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_HPI', window );">HPI</a></td>
<td class="nump">4.85%<span></span>
</td>
<td class="nump">4.41%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.87%<span></span>
</td>
<td class="nump">2.67%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.03%<span></span>
</td>
<td class="nump">3.04%<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_HPI', window );">HPI</a></td>
<td class="nump">4.38%<span></span>
</td>
<td class="nump">4.14%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">3.54%<span></span>
</td>
<td class="nump">2.76%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">2.89%<span></span>
</td>
<td class="nump">2.99%<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_HPI', window );">HPI</a></td>
<td class="nump">4.82%<span></span>
</td>
<td class="nump">4.20%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.58%<span></span>
</td>
<td class="nump">2.85%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">2.77%<span></span>
</td>
<td class="nump">2.87%<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_HPI', window );">HPI</a></td>
<td class="nump">5.12%<span></span>
</td>
<td class="nump">5.09%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">3.52%<span></span>
</td>
<td class="text">&#160;<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">2.73%<span></span>
</td>
<td class="text">&#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_HPI', window );">HPI</a></td>
<td class="nump">5.46%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.54%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.31%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.25%<span></span>
</td>
<td class="nump">7.11%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.79%<span></span>
</td>
<td class="nump">8.82%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">5.97%<span></span>
</td>
<td class="nump">4.33%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.89%<span></span>
</td>
<td class="nump">9.86%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">8.35%<span></span>
</td>
<td class="nump">3.92%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.27%<span></span>
</td>
<td class="nump">10.68%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">6.76%<span></span>
</td>
<td class="nump">3.58%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.80%<span></span>
</td>
<td class="nump">10.95%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">5.88%<span></span>
</td>
<td class="nump">3.58%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.81%<span></span>
</td>
<td class="nump">11.01%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">5.51%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.96%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_PE', window );">PERU | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.33%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.85%<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_bbva_CountryAxis=country_PE', window );">PERU | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.12%<span></span>
</td>
<td class="nump">4.57%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.59%<span></span>
</td>
<td class="nump">6.63%<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_bbva_CountryAxis=country_PE', window );">PERU | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.45%<span></span>
</td>
<td class="nump">4.22%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.55%<span></span>
</td>
<td class="nump">6.54%<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_bbva_CountryAxis=country_PE', window );">PERU | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.15%<span></span>
</td>
<td class="nump">2.88%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.44%<span></span>
</td>
<td class="nump">6.35%<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_bbva_CountryAxis=country_PE', window );">PERU | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.12%<span></span>
</td>
<td class="nump">2.72%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.31%<span></span>
</td>
<td class="nump">6.32%<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_bbva_CountryAxis=country_PE', window );">PERU | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.70%<span></span>
</td>
<td class="nump">2.51%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.20%<span></span>
</td>
<td class="nump">6.28%<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_bbva_CountryAxis=country_PE', window );">PERU | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.57%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.12%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1.82%)<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.05%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(3.66%)<span></span>
</td>
<td class="nump">0.42%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.37%<span></span>
</td>
<td class="nump">9.46%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">7.37%<span></span>
</td>
<td class="nump">6.93%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.67%<span></span>
</td>
<td class="nump">9.23%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">8.83%<span></span>
</td>
<td class="nump">3.13%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">7.13%<span></span>
</td>
<td class="nump">8.34%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">8.54%<span></span>
</td>
<td class="nump">2.11%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">5.92%<span></span>
</td>
<td class="nump">7.23%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">8.60%<span></span>
</td>
<td class="nump">2.13%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">5.05%<span></span>
</td>
<td class="nump">6.11%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">8.44%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">4.50%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.59%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10.06%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.16%<span></span>
</td>
<td class="nump">2.80%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.20%<span></span>
</td>
<td class="nump">10.99%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.09%<span></span>
</td>
<td class="nump">2.59%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.07%<span></span>
</td>
<td class="nump">11.27%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.68%<span></span>
</td>
<td class="nump">3.03%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.72%<span></span>
</td>
<td class="nump">11.03%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.23%<span></span>
</td>
<td class="nump">3.24%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.11%<span></span>
</td>
<td class="nump">10.35%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.21%<span></span>
</td>
<td class="nump">3.42%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.55%<span></span>
</td>
<td class="nump">9.90%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.22%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">7.95%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GDP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>GDP</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_GDP</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>dtr-types1:percentItemType</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_bbva_HPI">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>HPI</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_HPI</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>dtr-types1:percentItemType</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_bbva_MacroeconomicVariablesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Macroeconomic variables</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_MacroeconomicVariablesLineItems</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_Unemployment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unemployment</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_Unemployment</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>dtr-types1:percentItemType</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_bbva_CountryAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_ES</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2023Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfScenarioAxis=bbva_PositiveScenarioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfScenarioAxis=bbva_PositiveScenarioMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2024Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2025Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2025Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2026Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2026Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2027Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2027Member</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>
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<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;">bbva_YearsAxis=bbva_A2028Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td style="white-space:nowrap;">bbva_YearsAxis=bbva_A2029Member</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;">bbva_CountryAxis=country_MX</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></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;">bbva_CountryAxis=country_TR</td>
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<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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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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;">bbva_CountryAxis=country_PE</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>
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<td></td>
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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_bbva_CountryAxis=country_AR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_AR</td>
</tr>
<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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">bbva_CountryAxis=country_CO</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>143
<FILENAME>R124.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360562311664">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Base scenario of GDP, unemployment rate and HPI for the main geographies (Details) - Base scenario [Member]<br></strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</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_bbva_CountryAxis=country_ES', window );">SPAIN | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.36%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12.13%<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_HPI', window );">HPI</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1.93%)<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">3.09%<span></span>
</td>
<td class="nump">1.48%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">11.43%<span></span>
</td>
<td class="nump">11.80%<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_HPI', window );">HPI</a></td>
<td class="nump">2.99%<span></span>
</td>
<td class="num">(0.92%)<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.29%<span></span>
</td>
<td class="nump">2.47%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.75%<span></span>
</td>
<td class="nump">11.20%<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_HPI', window );">HPI</a></td>
<td class="nump">4.32%<span></span>
</td>
<td class="nump">1.94%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">1.69%<span></span>
</td>
<td class="nump">2.53%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.35%<span></span>
</td>
<td class="nump">10.40%<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_HPI', window );">HPI</a></td>
<td class="nump">2.99%<span></span>
</td>
<td class="nump">1.74%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.86%<span></span>
</td>
<td class="nump">2.34%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.95%<span></span>
</td>
<td class="nump">9.63%<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_HPI', window );">HPI</a></td>
<td class="nump">2.24%<span></span>
</td>
<td class="nump">1.69%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">1.80%<span></span>
</td>
<td class="nump">2.13%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.55%<span></span>
</td>
<td class="nump">8.98%<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_HPI', window );">HPI</a></td>
<td class="nump">1.61%<span></span>
</td>
<td class="nump">1.43%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.80%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.25%<span></span>
</td>
<td class="text">&#160;<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_HPI', window );">HPI</a></td>
<td class="nump">1.41%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.40%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.82%<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_HPI', window );">HPI</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.47%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.24%<span></span>
</td>
<td class="nump">2.91%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">2.75%<span></span>
</td>
<td class="nump">3.27%<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_HPI', window );">HPI</a></td>
<td class="nump">4.57%<span></span>
</td>
<td class="nump">4.90%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">0.99%<span></span>
</td>
<td class="nump">2.41%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.13%<span></span>
</td>
<td class="nump">3.25%<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_HPI', window );">HPI</a></td>
<td class="nump">4.85%<span></span>
</td>
<td class="nump">4.24%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.64%<span></span>
</td>
<td class="nump">2.60%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.25%<span></span>
</td>
<td class="nump">3.18%<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_HPI', window );">HPI</a></td>
<td class="nump">4.21%<span></span>
</td>
<td class="nump">4.14%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">1.70%<span></span>
</td>
<td class="nump">2.74%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.17%<span></span>
</td>
<td class="nump">3.11%<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_HPI', window );">HPI</a></td>
<td class="nump">4.23%<span></span>
</td>
<td class="nump">4.18%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.87%<span></span>
</td>
<td class="nump">2.83%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.08%<span></span>
</td>
<td class="nump">2.99%<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_HPI', window );">HPI</a></td>
<td class="nump">4.36%<span></span>
</td>
<td class="nump">5.07%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">1.87%<span></span>
</td>
<td class="text">&#160;<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.04%<span></span>
</td>
<td class="text">&#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_HPI', window );">HPI</a></td>
<td class="nump">4.55%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.46%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.63%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.18%<span></span>
</td>
<td class="nump">3.50%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.80%<span></span>
</td>
<td class="nump">10.28%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.48%<span></span>
</td>
<td class="nump">3.54%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.46%<span></span>
</td>
<td class="nump">10.85%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.52%<span></span>
</td>
<td class="nump">3.79%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.73%<span></span>
</td>
<td class="nump">11.05%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.18%<span></span>
</td>
<td class="nump">3.46%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.58%<span></span>
</td>
<td class="nump">11.15%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.11%<span></span>
</td>
<td class="nump">3.46%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.52%<span></span>
</td>
<td class="nump">11.20%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.01%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.51%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_PE', window );">PERU | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(0.36%)<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.88%<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_bbva_CountryAxis=country_PE', window );">PERU | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.10%<span></span>
</td>
<td class="nump">1.99%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.59%<span></span>
</td>
<td class="nump">6.82%<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_bbva_CountryAxis=country_PE', window );">PERU | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.67%<span></span>
</td>
<td class="nump">3.48%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.59%<span></span>
</td>
<td class="nump">6.77%<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_bbva_CountryAxis=country_PE', window );">PERU | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.70%<span></span>
</td>
<td class="nump">2.88%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.57%<span></span>
</td>
<td class="nump">6.55%<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_bbva_CountryAxis=country_PE', window );">PERU | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.75%<span></span>
</td>
<td class="nump">2.72%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.52%<span></span>
</td>
<td class="nump">6.50%<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_bbva_CountryAxis=country_PE', window );">PERU | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.45%<span></span>
</td>
<td class="nump">2.51%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.47%<span></span>
</td>
<td class="nump">6.46%<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_bbva_CountryAxis=country_PE', window );">PERU | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.41%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.42%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(3.01%)<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.28%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(3.76%)<span></span>
</td>
<td class="num">(4.04%)<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.38%<span></span>
</td>
<td class="nump">10.48%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">5.48%<span></span>
</td>
<td class="nump">5.95%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.80%<span></span>
</td>
<td class="nump">10.15%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">4.47%<span></span>
</td>
<td class="nump">3.03%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">7.55%<span></span>
</td>
<td class="nump">8.95%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.48%<span></span>
</td>
<td class="nump">1.98%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.58%<span></span>
</td>
<td class="nump">7.70%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.54%<span></span>
</td>
<td class="nump">2.00%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">5.85%<span></span>
</td>
<td class="nump">6.60%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.48%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">5.35%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.24%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10.11%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.96%<span></span>
</td>
<td class="nump">1.47%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.20%<span></span>
</td>
<td class="nump">11.25%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.49%<span></span>
</td>
<td class="nump">2.33%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.34%<span></span>
</td>
<td class="nump">11.56%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.19%<span></span>
</td>
<td class="nump">3.03%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.26%<span></span>
</td>
<td class="nump">11.32%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.92%<span></span>
</td>
<td class="nump">3.24%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.81%<span></span>
</td>
<td class="nump">10.60%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.96%<span></span>
</td>
<td class="nump">3.42%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.36%<span></span>
</td>
<td class="nump">10.09%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.99%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.86%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GDP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>GDP</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_GDP</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>dtr-types1:percentItemType</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_bbva_HPI">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>HPI</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_HPI</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>dtr-types1:percentItemType</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_bbva_MacroeconomicVariablesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Macroeconomic variables</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_MacroeconomicVariablesLineItems</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_Unemployment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unemployment</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_Unemployment</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>dtr-types1:percentItemType</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_bbva_CountryAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_ES</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2023Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfScenarioAxis=bbva_BaseScenarioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfScenarioAxis=bbva_BaseScenarioMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2024Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2025Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2025Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2026Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2026Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2027Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2027Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2028Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2028Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2029Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2029Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_MX</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_TR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_TR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_PE">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_PE</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_AR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_AR</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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572036384">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Negative scenario of GDP, unemployment rate and HPI for the main geographies (Details) - Negative scenario [Member]<br></strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</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_bbva_CountryAxis=country_ES', window );">SPAIN | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.21%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12.40%<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_HPI', window );">HPI</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2.28%)<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">3.05%<span></span>
</td>
<td class="nump">0.86%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">11.88%<span></span>
</td>
<td class="nump">13.23%<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_HPI', window );">HPI</a></td>
<td class="nump">2.97%<span></span>
</td>
<td class="num">(2.54%)<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.18%<span></span>
</td>
<td class="nump">2.25%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">12.71%<span></span>
</td>
<td class="nump">12.77%<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_HPI', window );">HPI</a></td>
<td class="nump">3.15%<span></span>
</td>
<td class="nump">1.00%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="num">(1.30%)<span></span>
</td>
<td class="nump">2.48%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">12.50%<span></span>
</td>
<td class="nump">11.98%<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_HPI', window );">HPI</a></td>
<td class="num">(0.53%)<span></span>
</td>
<td class="nump">1.22%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(2.50%)<span></span>
</td>
<td class="nump">2.30%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">12.24%<span></span>
</td>
<td class="nump">11.34%<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_HPI', window );">HPI</a></td>
<td class="num">(2.81%)<span></span>
</td>
<td class="nump">0.93%<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="num">(3.11%)<span></span>
</td>
<td class="text">&#160;<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">11.88%<span></span>
</td>
<td class="text">&#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_HPI', window );">HPI</a></td>
<td class="num">(3.87%)<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_ES', window );">SPAIN | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(2.86%)<span></span>
</td>
<td class="nump">2.09%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">11.53%<span></span>
</td>
<td class="nump">10.57%<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_HPI', window );">HPI</a></td>
<td class="num">(3.55%)<span></span>
</td>
<td class="nump">0.67%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.20%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.85%<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_HPI', window );">HPI</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.49%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.20%<span></span>
</td>
<td class="nump">2.04%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">2.75%<span></span>
</td>
<td class="nump">3.45%<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_HPI', window );">HPI</a></td>
<td class="nump">4.56%<span></span>
</td>
<td class="nump">4.73%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="num">(0.16%)<span></span>
</td>
<td class="nump">2.13%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.20%<span></span>
</td>
<td class="nump">3.43%<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_HPI', window );">HPI</a></td>
<td class="nump">4.86%<span></span>
</td>
<td class="nump">4.03%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(0.20%)<span></span>
</td>
<td class="nump">2.53%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.43%<span></span>
</td>
<td class="nump">3.33%<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_HPI', window );">HPI</a></td>
<td class="nump">4.07%<span></span>
</td>
<td class="nump">4.00%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">0.14%<span></span>
</td>
<td class="nump">2.70%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.41%<span></span>
</td>
<td class="nump">3.25%<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_HPI', window );">HPI</a></td>
<td class="nump">3.76%<span></span>
</td>
<td class="nump">4.18%<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">0.40%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.34%<span></span>
</td>
<td class="text">&#160;<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_HPI', window );">HPI</a></td>
<td class="nump">3.72%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_MX', window );">MEXICO | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GDP', window );">GDP</a></td>
<td class="nump">0.42%<span></span>
</td>
<td class="nump">2.79%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">3.32%<span></span>
</td>
<td class="nump">3.13%<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_HPI', window );">HPI</a></td>
<td class="nump">3.79%<span></span>
</td>
<td class="nump">5.07%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.37%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.94%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.13%<span></span>
</td>
<td class="num">(0.33%)<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.80%<span></span>
</td>
<td class="nump">11.73%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">0.41%<span></span>
</td>
<td class="nump">2.58%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.79%<span></span>
</td>
<td class="nump">11.92%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.59%<span></span>
</td>
<td class="nump">3.71%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">11.71%<span></span>
</td>
<td class="nump">11.43%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.37%<span></span>
</td>
<td class="nump">3.39%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">11.83%<span></span>
</td>
<td class="nump">11.32%<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.21%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">11.67%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_TR', window );">TURKEY | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">3.18%<span></span>
</td>
<td class="nump">3.39%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">11.47%<span></span>
</td>
<td class="nump">11.36%<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_bbva_CountryAxis=country_PE', window );">PERU | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1.04%)<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.91%<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_bbva_CountryAxis=country_PE', window );">PERU | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.92%<span></span>
</td>
<td class="num">(0.60%)<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.60%<span></span>
</td>
<td class="nump">7.03%<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_bbva_CountryAxis=country_PE', window );">PERU | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">0.56%<span></span>
</td>
<td class="nump">2.73%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.73%<span></span>
</td>
<td class="nump">7.02%<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_bbva_CountryAxis=country_PE', window );">PERU | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">0.43%<span></span>
</td>
<td class="nump">2.88%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.85%<span></span>
</td>
<td class="nump">6.77%<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_bbva_CountryAxis=country_PE', window );">PERU | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">0.63%<span></span>
</td>
<td class="nump">2.72%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.90%<span></span>
</td>
<td class="nump">6.71%<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_bbva_CountryAxis=country_PE', window );">PERU | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">0.46%<span></span>
</td>
<td class="nump">2.51%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.93%<span></span>
</td>
<td class="nump">6.66%<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_bbva_CountryAxis=country_PE', window );">PERU | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">0.51%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.95%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4.16%)<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.49%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(3.93%)<span></span>
</td>
<td class="num">(8.75%)<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.38%<span></span>
</td>
<td class="nump">11.46%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">2.46%<span></span>
</td>
<td class="nump">4.77%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">9.02%<span></span>
</td>
<td class="nump">11.04%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(0.60%)<span></span>
</td>
<td class="nump">2.92%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">8.10%<span></span>
</td>
<td class="nump">9.54%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(1.79%)<span></span>
</td>
<td class="nump">1.82%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">7.35%<span></span>
</td>
<td class="nump">8.17%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(1.53%)<span></span>
</td>
<td class="nump">1.85%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.73%<span></span>
</td>
<td class="nump">7.08%<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_bbva_CountryAxis=country_AR', window );">ARGENTINA | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="num">(1.41%)<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">6.25%<span></span>
</td>
<td class="text">&#160;<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2023 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.87%<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_Unemployment', window );">Unemployment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10.15%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2024 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.77%<span></span>
</td>
<td class="nump">0.15%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.21%<span></span>
</td>
<td class="nump">11.51%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2025 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">0.30%<span></span>
</td>
<td class="nump">2.03%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.68%<span></span>
</td>
<td class="nump">11.84%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2026 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">0.93%<span></span>
</td>
<td class="nump">3.03%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">11.04%<span></span>
</td>
<td class="nump">11.59%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2027 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.16%<span></span>
</td>
<td class="nump">3.24%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.81%<span></span>
</td>
<td class="nump">10.90%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2028 [Member]</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.36%<span></span>
</td>
<td class="nump">3.42%<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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.49%<span></span>
</td>
<td class="nump">10.29%<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_bbva_CountryAxis=country_CO', window );">COLOMBIA | 2029</a></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_bbva_MacroeconomicVariablesLineItems', window );"><strong>Macroeconomic variables [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP', window );">GDP</a></td>
<td class="nump">1.44%<span></span>
</td>
<td class="text">&#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_Unemployment', window );">Unemployment</a></td>
<td class="nump">10.09%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GDP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>GDP</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_GDP</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>dtr-types1:percentItemType</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_bbva_HPI">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>HPI</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_HPI</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>dtr-types1:percentItemType</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_bbva_MacroeconomicVariablesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Macroeconomic variables</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_MacroeconomicVariablesLineItems</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_Unemployment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unemployment</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_Unemployment</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>dtr-types1:percentItemType</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_bbva_CountryAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_ES</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2023Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfScenarioAxis=bbva_NegativeScenarioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfScenarioAxis=bbva_NegativeScenarioMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2024Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2025Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2025Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2026Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2026Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2027Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2027Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2028Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2028Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_YearsAxis=bbva_A2029Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_YearsAxis=bbva_A2029Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_MX</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_TR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_TR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_PE">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_PE</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_AR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_AR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_CO">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_CO</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>145
<FILENAME>R126.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535414880">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Expected loss variation as of december (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</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_bbva_CountryAxis=bbva_BbvaGroupMember', window );">Bbva group [Member] | Total portfolio [Member]</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">1.53%<span></span>
</td>
<td class="nump">2.22%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(1.70%)<span></span>
</td>
<td class="num">(1.91%)<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_bbva_CountryAxis=bbva_BbvaGroupMember', window );">Bbva group [Member] | Retail segment</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">1.35%<span></span>
</td>
<td class="nump">1.88%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(1.45%)<span></span>
</td>
<td class="num">(1.65%)<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_bbva_CountryAxis=bbva_BbvaGroupMember', window );">Bbva group [Member] | Companies [Member]</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.17%<span></span>
</td>
<td class="nump">0.28%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.20%)<span></span>
</td>
<td class="num">(0.23%)<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_bbva_CountryAxis=bbva_BbvaGroupMember', window );">Bbva group [Member] | Debt securities [Member]</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.01%<span></span>
</td>
<td class="nump">0.02%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.01%)<span></span>
</td>
<td class="num">(0.02%)<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_bbva_CountryAxis=country_ES', window );">SPAIN | Total portfolio [Member]</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.28%<span></span>
</td>
<td class="nump">0.61%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.26%)<span></span>
</td>
<td class="num">(0.58%)<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_bbva_CountryAxis=country_ES', window );">SPAIN | Retail segment</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.20%<span></span>
</td>
<td class="nump">0.47%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.18%)<span></span>
</td>
<td class="num">(0.45%)<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_HousingPrice100Bp', window );">Housing price -100 bp</a></td>
<td class="nump">0.28%<span></span>
</td>
<td class="nump">0.32%<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_HousingPriceOver100Bp', window );">Housing price over100 bp</a></td>
<td class="num">(0.27%)<span></span>
</td>
<td class="num">(0.32%)<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_bbva_CountryAxis=country_ES', window );">SPAIN | Companies [Member]</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.08%<span></span>
</td>
<td class="nump">0.14%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.08%)<span></span>
</td>
<td class="num">(0.13%)<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_bbva_CountryAxis=country_MX', window );">MEXICO | Total portfolio [Member]</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.74%<span></span>
</td>
<td class="nump">0.94%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.92%)<span></span>
</td>
<td class="num">(0.89%)<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_bbva_CountryAxis=country_MX', window );">MEXICO | Retail segment</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.72%<span></span>
</td>
<td class="nump">0.92%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.89%)<span></span>
</td>
<td class="num">(0.87%)<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_bbva_CountryAxis=country_MX', window );">MEXICO | Companies [Member]</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.02%<span></span>
</td>
<td class="nump">0.02%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.03%)<span></span>
</td>
<td class="num">(0.02%)<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_bbva_CountryAxis=country_TR', window );">TURKEY | Total portfolio [Member]</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.32%<span></span>
</td>
<td class="nump">0.22%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.33%)<span></span>
</td>
<td class="num">(0.21%)<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_bbva_CountryAxis=country_TR', window );">TURKEY | Retail segment</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.27%<span></span>
</td>
<td class="nump">0.11%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.21%)<span></span>
</td>
<td class="num">(0.11%)<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_bbva_CountryAxis=country_TR', window );">TURKEY | Companies [Member]</a></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_bbva_BasicPointLineItems', window );"><strong>Basic point [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_GDP100Bp', window );">GDP -100 bp</a></td>
<td class="nump">0.05%<span></span>
</td>
<td class="nump">0.09%<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_GDPOver100Bp', window );">GDP over100 bp</a></td>
<td class="num">(0.09%)<span></span>
</td>
<td class="num">(0.09%)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BasicPointLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 point</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_BasicPointLineItems</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_GDP100Bp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>GDP -100 bp</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_GDP100Bp</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>dtr-types1:percentItemType</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_bbva_GDPOver100Bp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>GDP over100 bp</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_GDPOver100Bp</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>dtr-types1:percentItemType</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_bbva_HousingPrice100Bp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Housing price -100 bp</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_HousingPrice100Bp</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>dtr-types1:percentItemType</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_bbva_HousingPriceOver100Bp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Housing price over100 bp</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_HousingPriceOver100Bp</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>dtr-types1:percentItemType</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_bbva_CountryAxis=bbva_BbvaGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=bbva_BbvaGroupMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PortfolioAxis=bbva_TotalPortfolioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PortfolioAxis=bbva_TotalPortfolioMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PortfolioAxis=bbva_RetailSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PortfolioAxis=bbva_RetailSegmentMember</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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PortfolioAxis=bbva_CompaniesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PortfolioAxis=bbva_CompaniesMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PortfolioAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PortfolioAxis=ifrs-full_DebtSecuritiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_ES</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_MX</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_bbva_CountryAxis=country_TR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CountryAxis=country_TR</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>
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</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R127.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564727248">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Maximum credit risk exposure (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2022</div></th>
</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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 972,990<span></span>
</td>
<td class="nump">&#8364; 904,889<span></span>
</td>
<td class="nump">&#8364; 815,533<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets held for trading [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">72,945<span></span>
</td>
<td class="nump">106,749<span></span>
</td>
<td class="nump">70,763<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets held for trading [Member] | equity instruments [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">6,760<span></span>
</td>
<td class="nump">4,589<span></span>
</td>
<td class="nump">4,404<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets held for trading [Member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">27,955<span></span>
</td>
<td class="nump">28,569<span></span>
</td>
<td class="nump">24,367<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets held for trading [Member] | loans and advances [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">38,230<span></span>
</td>
<td class="nump">73,590<span></span>
</td>
<td class="nump">41,993<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Non trading financial assets mandatorily at fair value through profit or loss [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">10,546<span></span>
</td>
<td class="nump">8,737<span></span>
</td>
<td class="nump">6,888<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Non trading financial assets mandatorily at fair value through profit or loss [Member] | equity instruments [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">9,782<span></span>
</td>
<td class="nump">7,963<span></span>
</td>
<td class="nump">6,511<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Non trading financial assets mandatorily at fair value through profit or loss [Member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">407<span></span>
</td>
<td class="nump">484<span></span>
</td>
<td class="nump">129<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Non trading financial assets mandatorily at fair value through profit or loss [Member] | loans and advances [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">358<span></span>
</td>
<td class="nump">290<span></span>
</td>
<td class="nump">247<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets designated at fair value through profit or loss [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">836<span></span>
</td>
<td class="nump">955<span></span>
</td>
<td class="nump">913<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Derivatives [member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">53,229<span></span>
</td>
<td class="nump">48,747<span></span>
</td>
<td class="nump">53,101<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets at fair value through other comprehensive income, category [member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">59,115<span></span>
</td>
<td class="nump">62,289<span></span>
</td>
<td class="nump">65,497<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets at fair value through other comprehensive income, category [member] | equity instruments [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,451<span></span>
</td>
<td class="nump">1,217<span></span>
</td>
<td class="nump">1,198<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets at fair value through other comprehensive income, category [member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">57,639<span></span>
</td>
<td class="nump">61,047<span></span>
</td>
<td class="nump">64,273<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets at fair value through other comprehensive income, category [member] | Loans and advances to credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets at amortised cost, category [member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">514,086<span></span>
</td>
<td class="nump">463,130<span></span>
</td>
<td class="nump">425,803<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets at amortised cost, category [member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">59,070<span></span>
</td>
<td class="nump">49,544<span></span>
</td>
<td class="nump">36,730<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets at amortised cost, category [member] | Loans and advances to central banks [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">8,261<span></span>
</td>
<td class="nump">7,176<span></span>
</td>
<td class="nump">4,420<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets at amortised cost, category [member] | Loans and advances to credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">22,668<span></span>
</td>
<td class="nump">17,498<span></span>
</td>
<td class="nump">16,066<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Financial assets at amortised cost, category [member] | Loans and advances to customers [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">424,087<span></span>
</td>
<td class="nump">388,912<span></span>
</td>
<td class="nump">368,588<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Total financial assets risk [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">710,757<span></span>
</td>
<td class="nump">690,606<span></span>
</td>
<td class="nump">622,965<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Total loan commitments and financial guarantees [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">262,233<span></span>
</td>
<td class="nump">214,283<span></span>
</td>
<td class="nump">192,568<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Total loan commitments and financial guarantees [Member] | Loan commitments given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">188,515<span></span>
</td>
<td class="nump">152,868<span></span>
</td>
<td class="nump">136,920<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Total loan commitments and financial guarantees [Member] | Financial guarantees given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">22,503<span></span>
</td>
<td class="nump">18,839<span></span>
</td>
<td class="nump">16,511<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_TotalStageMember', window );">Total stage [Member] | Total loan commitments and financial guarantees [Member] | Other commitments given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">51,215<span></span>
</td>
<td class="nump">42,577<span></span>
</td>
<td class="nump">39,137<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Financial assets at fair value through other comprehensive income, category [member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">55,315<span></span>
</td>
<td class="nump">60,255<span></span>
</td>
<td class="nump">63,425<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Financial assets at fair value through other comprehensive income, category [member] | Loans and advances to credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Financial assets at amortised cost, category [member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">467,910<span></span>
</td>
<td class="nump">410,590<span></span>
</td>
<td class="nump">378,407<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Financial assets at amortised cost, category [member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">58,887<span></span>
</td>
<td class="nump">49,403<span></span>
</td>
<td class="nump">36,463<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Financial assets at amortised cost, category [member] | Loans and advances to central banks [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">8,261<span></span>
</td>
<td class="nump">7,176<span></span>
</td>
<td class="nump">4,420<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Financial assets at amortised cost, category [member] | Loans and advances to credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">22,658<span></span>
</td>
<td class="nump">17,478<span></span>
</td>
<td class="nump">15,997<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Financial assets at amortised cost, category [member] | Loans and advances to customers [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">378,104<span></span>
</td>
<td class="nump">336,533<span></span>
</td>
<td class="nump">321,528<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Total loan commitments and financial guarantees [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">253,291<span></span>
</td>
<td class="nump">204,842<span></span>
</td>
<td class="nump">181,427<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Total loan commitments and financial guarantees [Member] | Loan commitments given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">182,830<span></span>
</td>
<td class="nump">147,376<span></span>
</td>
<td class="nump">130,459<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Total loan commitments and financial guarantees [Member] | Financial guarantees given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">21,513<span></span>
</td>
<td class="nump">17,612<span></span>
</td>
<td class="nump">15,214<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Total loan commitments and financial guarantees [Member] | Other commitments given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">48,948<span></span>
</td>
<td class="nump">39,854<span></span>
</td>
<td class="nump">35,753<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Financial assets at fair value through other comprehensive income, category [member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2,309<span></span>
</td>
<td class="nump">771<span></span>
</td>
<td class="nump">822<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Financial assets at fair value through other comprehensive income, category [member] | Loans and advances to credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</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="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Financial assets at amortised cost, category [member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">31,930<span></span>
</td>
<td class="nump">38,061<span></span>
</td>
<td class="nump">33,873<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Financial assets at amortised cost, category [member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">149<span></span>
</td>
<td class="nump">108<span></span>
</td>
<td class="nump">237<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Financial assets at amortised cost, category [member] | Loans and advances to central banks [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</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="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Financial assets at amortised cost, category [member] | Loans and advances to credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">18<span></span>
</td>
<td class="nump">69<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Financial assets at amortised cost, category [member] | Loans and advances to customers [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">31,772<span></span>
</td>
<td class="nump">37,935<span></span>
</td>
<td class="nump">33,568<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Total loan commitments and financial guarantees [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">8,150<span></span>
</td>
<td class="nump">8,411<span></span>
</td>
<td class="nump">9,993<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Total loan commitments and financial guarantees [Member] | Loan commitments given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">5,524<span></span>
</td>
<td class="nump">5,326<span></span>
</td>
<td class="nump">6,283<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Total loan commitments and financial guarantees [Member] | Financial guarantees given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">798<span></span>
</td>
<td class="nump">998<span></span>
</td>
<td class="nump">1,015<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Total loan commitments and financial guarantees [Member] | Other commitments given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,828<span></span>
</td>
<td class="nump">2,087<span></span>
</td>
<td class="nump">2,695<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Financial assets at fair value through other comprehensive income, category [member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Financial assets at fair value through other comprehensive income, category [member] | Loans and advances to credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</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="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Financial assets at amortised cost, category [member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">14,246<span></span>
</td>
<td class="nump">14,478<span></span>
</td>
<td class="nump">13,523<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Financial assets at amortised cost, category [member] | Debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">32<span></span>
</td>
<td class="nump">30<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Financial assets at amortised cost, category [member] | Loans and advances to central banks [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</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="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Financial assets at amortised cost, category [member] | Loans and advances to credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Financial assets at amortised cost, category [member] | Loans and advances to customers [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">14,211<span></span>
</td>
<td class="nump">14,444<span></span>
</td>
<td class="nump">13,493<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Total loan commitments and financial guarantees [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">791<span></span>
</td>
<td class="nump">1,030<span></span>
</td>
<td class="nump">1,147<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Total loan commitments and financial guarantees [Member] | Loan commitments given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">160<span></span>
</td>
<td class="nump">165<span></span>
</td>
<td class="nump">177<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Total loan commitments and financial guarantees [Member] | Financial guarantees given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">192<span></span>
</td>
<td class="nump">229<span></span>
</td>
<td class="nump">281<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Total loan commitments and financial guarantees [Member] | Other commitments given [Member]</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="fn" style="border-bottom: 0px;"></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_CreditExposureClassesOfFinancialInstrumentsLineItems', window );"><strong>Credit Exposure Classes of Financial Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 439<span></span>
</td>
<td class="nump">&#8364; 636<span></span>
</td>
<td class="nump">&#8364; 689<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</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_CreditExposureClassesOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Credit Exposure Classes of Financial 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_CreditExposureClassesOfFinancialInstrumentsLineItems</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_ifrs-full_MaximumExposureToCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: 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 IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35K<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35K_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_MaximumExposureToCreditRisk</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>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfStageAxis=bbva_TotalStageMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfStageAxis=bbva_TotalStageMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureAxis=bbva_FinancialAssetsHeldForTradingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureAxis=bbva_FinancialAssetsHeldForTradingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_EquityInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_EquityInstrumentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditExposureClassesOfFinancialInstrumentsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CreditExposureClassesOfFinancialInstrumentsAxis=ifrs-full_DebtSecuritiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureAxis=bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureAxis=bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureAxis=bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureAxis=bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureAxis=ifrs-full_DerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureAxis=ifrs-full_DerivativesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesToCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesToCreditInstitutionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesToCentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesToCentralBanksMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesToCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesToCustomersMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureAxis=bbva_TotalFinancialAssetsRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureAxis=bbva_TotalFinancialAssetsRiskMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureAxis=bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureAxis=bbva_TotalLoanCommitmentsAndFinancialGuaranteesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditExposureClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CreditExposureClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_FinancialGuaranteesGivenMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_FinancialGuaranteesGivenMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_OtherCommitmentsGivenMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CreditExposureClassesOfFinancialInstrumentsAxis=bbva_OtherCommitmentsGivenMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfStageAxis=bbva_Stage1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfStageAxis=bbva_Stage1Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfStageAxis=bbva_Stage2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfStageAxis=bbva_Stage2Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfStageAxis=bbva_Stage3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfStageAxis=bbva_Stage3Member</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>
</div>
</body>
</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>147
<FILENAME>R128.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537470448">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Maximum Credit Risk Exposure, accumulated allowances and carrying amount by geographical location (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="2"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[3]</sup></th>
</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_bbva_MaximumCreditRiskExposureByCountriesAxis=country_ES', window );">SPAIN</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 232,185<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 214,522<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">&#8364; 214,066<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">4,684<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(4,593)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(4,860)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">227,501<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">209,929<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">209,206<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_MaximumCreditRiskExposureByCountriesAxis=country_MX', window );">MEXICO</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">91,717<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">91,086<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">73,729<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">3,055<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(3,049)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,496)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">88,662<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">88,037<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">71,233<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_MaximumCreditRiskExposureByCountriesAxis=country_TR', window );">TURKEY</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">50,083<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">39,058<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">39,547<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,784<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="num">(1,641)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="num">(2,105)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">48,299<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">37,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">37,443<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_bbva_MaximumCreditRiskExposureByCountriesAxis=srt_SouthAmericaMember', window );">South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">48,897<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">43,151<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">40,199<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">2,079<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="num">(1,976)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(1,768)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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="nump">46,818<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">41,175<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">38,431<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_OtherCountriesMember', window );">Other Countries [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,205<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,094<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,047<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">9<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(10)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(8)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,197<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,085<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,039<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_TotalMaximumCreditRiskExposuresMember', window );">Total maximum credit risk exposures [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">424,087<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="nump">388,912<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="nump">368,588<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">11,611<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="num">(11,269)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="num">(11,237)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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="nump">412,477<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="nump">377,643<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="nump">357,351<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_OfWhichIndividualMember', window );">Of which individual [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,532<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,665)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,164)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_OfWhichCollectiveMember', window );">Of which collective [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">10,079<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(9,604)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(9,073)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | SPAIN</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">208,969<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">183,503<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">186,977<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">543<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(503)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(518)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">208,426<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">183,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">186,459<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | MEXICO</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">83,053<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">81,619<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">66,448<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,210<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,097)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(955)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">81,843<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">80,522<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">65,494<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | TURKEY</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">42,708<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">34,105<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">32,755<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">243<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="num">(167)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="num">(224)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">42,465<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">33,938<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">32,531<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">42,204<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">36,237<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">34,312<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">393<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="num">(319)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(318)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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="nump">41,811<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">35,918<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">33,994<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Other Countries [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,170<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,069<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,035<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,170<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,068<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,035<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Total maximum credit risk exposures [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">378,104<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="nump">336,533<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="nump">321,528<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">2,389<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="num">(2,087)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="num">(2,014)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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="nump">375,715<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="nump">334,446<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="nump">319,513<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Of which individual [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">13<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(15)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(21)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Of which collective [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">2,376<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,072)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,994)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | SPAIN</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">15,637<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">22,953<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">19,621<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">631<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(714)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(759)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">15,006<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">22,239<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">18,862<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | MEXICO</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">6,147<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,995<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">5,342<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">542<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(620)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(475)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">5,605<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,375<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,866<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | TURKEY</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">5,534<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">3,234<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">4,436<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">390<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="num">(314)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="num">(358)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">5,144<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">2,920<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">4,078<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">4,431<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">4,738<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">4,166<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">283<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="num">(377)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(345)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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="nump">4,148<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">4,362<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">3,821<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Other Countries [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">23<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">15<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">22<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">14<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Total maximum credit risk exposures [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">31,772<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="nump">37,935<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="nump">33,568<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,847<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="num">(2,026)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="num">(1,938)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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="nump">29,925<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="nump">35,909<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="nump">31,629<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Of which individual [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">321<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(471)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(604)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Of which collective [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,526<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,555)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,334)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | SPAIN</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">7,579<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">8,066<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">7,468<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">3,510<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(3,375)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(3,583)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">4,069<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4,690<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">3,885<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | MEXICO</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2,517<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,472<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,939<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,303<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,332)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,066)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">1,214<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,140<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">873<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | TURKEY</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,841<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">1,719<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">2,356<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,151<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="num">(1,160)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="num">(1,523)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">690<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">559<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">833<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2,262<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">2,176<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">1,721<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,403<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="num">(1,280)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(1,105)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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="nump">860<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">896<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">615<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[10]</sup></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Other Countries [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">12<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">7<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(8)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(7)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">4<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Total maximum credit risk exposures [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">14,444<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="nump">13,493<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">7,374<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="num">(7,156)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="num">(7,284)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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="nump">6,837<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[11]</sup></td>
<td class="nump">7,287<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[12]</sup></td>
<td class="nump">6,208<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[13]</sup></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Of which individual [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,197<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,179)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,539)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Of which collective [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MaximumExposureToCreditRiskLineItems', window );"><strong>Maximum Exposure to Credit Risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">&#8364; 6,177<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (5,977)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (5,745)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="7"></td></tr>
<tr><td colspan="7"><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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Spain includes all countries where BBVA, S.A. operates.</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Spain includes all countries where BBVA, S.A. operates.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Spain includes all countries where BBVA, S.A. operates.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><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%">(2) Turkey includes all countries in which Garanti BBVA operates.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[6]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Turkey includes all countries in which Garanti BBVA operates.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[7]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Turkey includes all countries in which Garanti BBVA operates.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[8]</td>
<td style="vertical-align: top;" valign="top"><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%">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[9]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[10]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(4)  In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[11]</td>
<td style="vertical-align: top;" valign="top">(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, 2024, the remaining balance was &#8364;107 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[12]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(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, 2023 the remaining balance was &#8364;142 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[13]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(5) 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.</span></div></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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Acccumulated allowance account for credit losses of 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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets</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_MaximumExposureToCreditRiskLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum Exposure to 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_MaximumExposureToCreditRiskLineItems</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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_MaximumExposureToCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: 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 IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35K<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35K_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_MaximumExposureToCreditRisk</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>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureByCountriesAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureByCountriesAxis=country_ES</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureByCountriesAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureByCountriesAxis=country_MX</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureByCountriesAxis=country_TR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureByCountriesAxis=country_TR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureByCountriesAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureByCountriesAxis=srt_SouthAmericaMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_OtherCountriesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_OtherCountriesMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_TotalMaximumCreditRiskExposuresMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_TotalMaximumCreditRiskExposuresMember</td>
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<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>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_OfWhichIndividualMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_OfWhichIndividualMember</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>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_OfWhichCollectiveMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_MaximumCreditRiskExposureByCountriesAxis=bbva_OfWhichCollectiveMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfStageAxis=bbva_Stage1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfStageAxis=bbva_Stage1Member</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfStageAxis=bbva_Stage2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfStageAxis=bbva_Stage2Member</td>
</tr>
<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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfStageAxis=bbva_Stage3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeOfStageAxis=bbva_Stage3Member</td>
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<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>na</td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526679728">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></th>
</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_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_PublicAdministrationMember', window );">Public administration [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">&#8364; (22,133)<span></span>
</td>
<td class="num">&#8364; (23,294)<span></span>
</td>
<td colspan="2" class="num">&#8364; (20,922)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">23<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td colspan="2" class="nump">30<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">22,111<span></span>
</td>
<td class="nump">23,265<span></span>
</td>
<td colspan="2" class="nump">20,892<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_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(17,524)<span></span>
</td>
<td class="num">(13,271)<span></span>
</td>
<td colspan="2" class="num">(12,802)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td colspan="2" class="nump">37<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="nump">17,497<span></span>
</td>
<td class="nump">13,251<span></span>
</td>
<td colspan="2" class="nump">12,765<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_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(197,521)<span></span>
</td>
<td class="num">(175,337)<span></span>
</td>
<td colspan="2" class="num">(170,929)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">4,134<span></span>
</td>
<td class="nump">4,274<span></span>
</td>
<td colspan="2" class="nump">5,495<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">193,386<span></span>
</td>
<td class="nump">171,063<span></span>
</td>
<td colspan="2" class="nump">165,433<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_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_HouseholdsMember', window );">Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(186,910)<span></span>
</td>
<td class="num">(177,009)<span></span>
</td>
<td colspan="2" class="num">(163,936)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">7,427<span></span>
</td>
<td class="nump">6,946<span></span>
</td>
<td colspan="2" class="nump">5,675<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="nump">179,483<span></span>
</td>
<td class="nump">170,063<span></span>
</td>
<td colspan="2" class="nump">158,261<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_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_LoansAndAdvancesToCustomersMember', window );">Loans and advances to customers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(424,087)<span></span>
</td>
<td class="num">(388,912)<span></span>
</td>
<td colspan="2" class="num">(368,588)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">11,611<span></span>
</td>
<td class="nump">11,269<span></span>
</td>
<td colspan="2" class="nump">11,237<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">412,477<span></span>
</td>
<td class="nump">377,643<span></span>
</td>
<td colspan="2" class="nump">357,351<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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Public administration [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(21,982)<span></span>
</td>
<td class="num">(23,105)<span></span>
</td>
<td colspan="2" class="num">(20,582)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td colspan="2" class="nump">8<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="nump">21,974<span></span>
</td>
<td class="nump">23,096<span></span>
</td>
<td colspan="2" class="nump">20,574<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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Other financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(17,040)<span></span>
</td>
<td class="num">(13,072)<span></span>
</td>
<td colspan="2" class="num">(12,548)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td colspan="2" class="nump">15<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">17,027<span></span>
</td>
<td class="nump">13,062<span></span>
</td>
<td colspan="2" class="nump">12,533<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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Non financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(179,727)<span></span>
</td>
<td class="num">(154,519)<span></span>
</td>
<td colspan="2" class="num">(149,501)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">639<span></span>
</td>
<td class="nump">517<span></span>
</td>
<td colspan="2" class="nump">675<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="nump">179,087<span></span>
</td>
<td class="nump">154,002<span></span>
</td>
<td colspan="2" class="nump">148,826<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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(159,355)<span></span>
</td>
<td class="num">(145,837)<span></span>
</td>
<td colspan="2" class="num">(138,896)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,729<span></span>
</td>
<td class="nump">1,552<span></span>
</td>
<td colspan="2" class="nump">1,316<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">157,627<span></span>
</td>
<td class="nump">144,285<span></span>
</td>
<td colspan="2" class="nump">137,580<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_bbva_TypeOfStageAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Loans and advances to customers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(378,104)<span></span>
</td>
<td class="num">(336,533)<span></span>
</td>
<td colspan="2" class="num">(321,528)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">2,389<span></span>
</td>
<td class="nump">2,087<span></span>
</td>
<td colspan="2" class="nump">2,014<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="nump">375,715<span></span>
</td>
<td class="nump">334,446<span></span>
</td>
<td colspan="2" class="nump">319,513<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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Public administration [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(125)<span></span>
</td>
<td class="num">(164)<span></span>
</td>
<td colspan="2" class="num">(302)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td colspan="2" class="nump">11<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">118<span></span>
</td>
<td class="nump">152<span></span>
</td>
<td colspan="2" class="nump">291<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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Other financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(471)<span></span>
</td>
<td class="num">(187)<span></span>
</td>
<td colspan="2" class="num">(238)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td colspan="2" class="nump">12<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="nump">467<span></span>
</td>
<td class="nump">183<span></span>
</td>
<td colspan="2" class="nump">226<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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Non financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(12,780)<span></span>
</td>
<td class="num">(15,299)<span></span>
</td>
<td colspan="2" class="num">(15,087)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">636<span></span>
</td>
<td class="nump">795<span></span>
</td>
<td colspan="2" class="nump">991<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">12,143<span></span>
</td>
<td class="nump">14,503<span></span>
</td>
<td colspan="2" class="nump">14,096<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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(18,396)<span></span>
</td>
<td class="num">(22,286)<span></span>
</td>
<td colspan="2" class="num">(17,941)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,199<span></span>
</td>
<td class="nump">1,214<span></span>
</td>
<td colspan="2" class="nump">925<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="nump">17,197<span></span>
</td>
<td class="nump">21,071<span></span>
</td>
<td colspan="2" class="nump">17,017<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_bbva_TypeOfStageAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Loans and advances to customers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(31,772)<span></span>
</td>
<td class="num">(37,935)<span></span>
</td>
<td colspan="2" class="num">(33,568)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">1,847<span></span>
</td>
<td class="nump">2,026<span></span>
</td>
<td colspan="2" class="nump">1,938<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">29,925<span></span>
</td>
<td class="nump">35,909<span></span>
</td>
<td colspan="2" class="nump">31,629<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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Public administration [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(26)<span></span>
</td>
<td class="num">(25)<span></span>
</td>
<td colspan="2" class="num">(38)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td colspan="2" class="nump">11<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="nump">18<span></span>
</td>
<td class="nump">18<span></span>
</td>
<td colspan="2" class="nump">27<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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Other financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(12)<span></span>
</td>
<td class="num">(12)<span></span>
</td>
<td colspan="2" class="num">(17)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td colspan="2" class="nump">10<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td colspan="2" class="nump">6<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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Non financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(5,014)<span></span>
</td>
<td class="num">(5,520)<span></span>
</td>
<td colspan="2" class="num">(6,340)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">2,859<span></span>
</td>
<td class="nump">2,962<span></span>
</td>
<td colspan="2" class="nump">3,829<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="nump">2,156<span></span>
</td>
<td class="nump">2,558<span></span>
</td>
<td colspan="2" class="nump">2,511<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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(9,158)<span></span>
</td>
<td class="num">(8,886)<span></span>
</td>
<td colspan="2" class="num">(7,098)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">4,499<span></span>
</td>
<td class="nump">4,180<span></span>
</td>
<td colspan="2" class="nump">3,434<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_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">4,659<span></span>
</td>
<td class="nump">4,706<span></span>
</td>
<td colspan="2" class="nump">3,663<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_bbva_TypeOfStageAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Loans and advances to customers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MaximumCreditRiskExposureToCustomersLineItems', window );"><strong>Maximum credit risk exposure to customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="num">(14,211)<span></span>
</td>
<td class="num">(14,444)<span></span>
</td>
<td colspan="2" class="num">(13,493)<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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets', window );">Allowance account for credit losses of financial assets</a></td>
<td class="nump">7,374<span></span>
</td>
<td class="nump">7,156<span></span>
</td>
<td colspan="2" class="nump">7,284<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="nump">&#8364; 6,837<span></span>
</td>
<td class="nump">&#8364; 7,287<span></span>
</td>
<td colspan="2" class="nump">&#8364; 6,208<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3</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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Acccumulated allowance account for credit losses of 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_AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets</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_MaximumCreditRiskExposureToCustomersLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum credit risk exposure to customers</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_MaximumCreditRiskExposureToCustomersLineItems</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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_MaximumExposureToCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: 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 IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35K<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35K_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_MaximumExposureToCreditRisk</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>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_PublicAdministrationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_PublicAdministrationMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_OtherFinancialCorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_OtherFinancialCorporationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_NonFinancialCorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_NonFinancialCorporationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_HouseholdsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_HouseholdsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_LoansAndAdvancesToCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MaximumCreditRiskExposureToCustomersAxis=bbva_LoansAndAdvancesToCustomersMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfStageAxis=bbva_Stage1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfStageAxis=bbva_Stage1Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfStageAxis=bbva_Stage2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfStageAxis=bbva_Stage2Member</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571826048">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Loans and advances breakdown by counterparty and product (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></th>
</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_bbva_TypesOfLoansAndReceivablesAxis=ifrs-full_OnDemandMember', window );">On demand [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">&#8364; 5,307<span></span>
</td>
<td class="nump">&#8364; 3,040<span></span>
</td>
<td colspan="2" class="nump">&#8364; 4,101<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_CreditCardDebtMember', window );">Credit card debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">27,721<span></span>
</td>
<td class="nump">22,890<span></span>
</td>
<td colspan="2" class="nump">18,898<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_CommercialDebtorsMember', window );">Commercial debtors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">31,764<span></span>
</td>
<td class="nump">25,171<span></span>
</td>
<td colspan="2" class="nump">26,011<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_FinanceLeasesMember', window );">Finance leases [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">10,125<span></span>
</td>
<td class="nump">9,463<span></span>
</td>
<td colspan="2" class="nump">8,571<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_ReverseRepurchaseLoansMember', window );">Reverse repurchase loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">9,420<span></span>
</td>
<td class="nump">7,223<span></span>
</td>
<td colspan="2" class="nump">5,655<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_OtherTermLoansMember', window );">Other term loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">347,102<span></span>
</td>
<td class="nump">322,683<span></span>
</td>
<td colspan="2" class="nump">302,118<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_AdvancesThatAreNotLoansMember', window );">Advances that are not loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">12,330<span></span>
</td>
<td class="nump">12,116<span></span>
</td>
<td colspan="2" class="nump">12,702<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_TotalLoansAndAdvancesByProductsMember', window );">Total loans and advances by products [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">443,769<span></span>
</td>
<td class="nump">402,586<span></span>
</td>
<td colspan="2" class="nump">378,056<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember', window );">Of which mortagage loans collateralized by immovable property [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">127,860<span></span>
</td>
<td class="nump">122,397<span></span>
</td>
<td colspan="2" class="nump">119,659<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichOtherCollateralizedLoansMember', window );">Of which other collateralized loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">29,861<span></span>
</td>
<td class="nump">26,671<span></span>
</td>
<td colspan="2" class="nump">20,345<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichCreditForConsumptionMember', window );">Of which credit for consumption [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">67,446<span></span>
</td>
<td class="nump">59,892<span></span>
</td>
<td colspan="2" class="nump">51,344<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichLendingForHousePurchaseMember', window );">Of which lending for house purchase [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">98,570<span></span>
</td>
<td class="nump">97,555<span></span>
</td>
<td colspan="2" class="nump">95,249<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_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichProjectFinanceLoansMember', window );">Of which project finance loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">6,669<span></span>
</td>
<td class="nump">7,181<span></span>
</td>
<td colspan="2" class="nump">7,942<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_bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember', window );">Central banks [Member] | On demand [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember', window );">Central banks [Member] | Credit card debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember', window );">Central banks [Member] | Finance leases [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember', window );">Central banks [Member] | Reverse repurchase loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,345<span></span>
</td>
<td colspan="2" class="nump">302<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_bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember', window );">Central banks [Member] | Other term loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">7,803<span></span>
</td>
<td class="nump">4,878<span></span>
</td>
<td colspan="2" class="nump">3,802<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_bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember', window );">Central banks [Member] | Advances that are not loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">452<span></span>
</td>
<td class="nump">927<span></span>
</td>
<td colspan="2" class="nump">296<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_bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember', window );">Central banks [Member] | Total loans and advances by products [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">8,255<span></span>
</td>
<td class="nump">7,151<span></span>
</td>
<td colspan="2" class="nump">4,401<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_bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember', window );">Central banks [Member] | Of which other collateralized loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,347<span></span>
</td>
<td colspan="2" class="nump">498<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | On demand [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td colspan="2" class="nump">6<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | Credit card debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td colspan="2" class="nump">1<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | Commercial debtors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">1,077<span></span>
</td>
<td class="nump">960<span></span>
</td>
<td colspan="2" class="nump">1,021<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | Finance leases [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">171<span></span>
</td>
<td class="nump">225<span></span>
</td>
<td colspan="2" class="nump">195<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | Reverse repurchase loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">219<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | Other term loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">20,519<span></span>
</td>
<td class="nump">21,662<span></span>
</td>
<td colspan="2" class="nump">19,438<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | Advances that are not loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">117<span></span>
</td>
<td class="nump">412<span></span>
</td>
<td colspan="2" class="nump">232<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | Total loans and advances by products [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">22,111<span></span>
</td>
<td class="nump">23,265<span></span>
</td>
<td colspan="2" class="nump">20,892<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | Of which mortagage loans collateralized by immovable property [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">245<span></span>
</td>
<td class="nump">271<span></span>
</td>
<td colspan="2" class="nump">297<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_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember', window );">General government [Member] | Of which other collateralized loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">6,059<span></span>
</td>
<td class="nump">6,933<span></span>
</td>
<td colspan="2" class="nump">5,382<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | On demand [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | Credit card debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | Commercial debtors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">71<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td colspan="2" class="nump">24<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | Finance leases [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | Reverse repurchase loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">9,157<span></span>
</td>
<td class="nump">5,786<span></span>
</td>
<td colspan="2" class="nump">5,251<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | Other term loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">7,529<span></span>
</td>
<td class="nump">5,329<span></span>
</td>
<td colspan="2" class="nump">4,009<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | Advances that are not loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">5,960<span></span>
</td>
<td class="nump">6,312<span></span>
</td>
<td colspan="2" class="nump">6,772<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | Total loans and advances by products [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">22,719<span></span>
</td>
<td class="nump">17,502<span></span>
</td>
<td colspan="2" class="nump">16,057<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | Of which mortagage loans collateralized by immovable property [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member] | Of which other collateralized loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">9,628<span></span>
</td>
<td class="nump">4,558<span></span>
</td>
<td colspan="2" class="nump">5,073<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | On demand [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">59<span></span>
</td>
<td class="nump">73<span></span>
</td>
<td colspan="2" class="nump">352<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | Credit card debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td colspan="2" class="nump">3<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | Commercial debtors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">1,244<span></span>
</td>
<td class="nump">586<span></span>
</td>
<td colspan="2" class="nump">370<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | Finance leases [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td colspan="2" class="nump">13<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | Reverse repurchase loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">44<span></span>
</td>
<td class="nump">92<span></span>
</td>
<td colspan="2" class="nump">102<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | Other term loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">11,771<span></span>
</td>
<td class="nump">9,300<span></span>
</td>
<td colspan="2" class="nump">7,995<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | Advances that are not loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">4,365<span></span>
</td>
<td class="nump">3,186<span></span>
</td>
<td colspan="2" class="nump">3,930<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | Total loans and advances by products [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">17,497<span></span>
</td>
<td class="nump">13,251<span></span>
</td>
<td colspan="2" class="nump">12,765<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | Of which mortagage loans collateralized by immovable property [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">680<span></span>
</td>
<td class="nump">526<span></span>
</td>
<td colspan="2" class="nump">337<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_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member] | Of which other collateralized loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">530<span></span>
</td>
<td class="nump">465<span></span>
</td>
<td colspan="2" class="nump">548<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | On demand [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">3,140<span></span>
</td>
<td class="nump">1,933<span></span>
</td>
<td colspan="2" class="nump">2,810<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Credit card debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">2,268<span></span>
</td>
<td class="nump">1,927<span></span>
</td>
<td colspan="2" class="nump">2,029<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Commercial debtors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">29,247<span></span>
</td>
<td class="nump">23,462<span></span>
</td>
<td colspan="2" class="nump">24,510<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Finance leases [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">9,672<span></span>
</td>
<td class="nump">8,940<span></span>
</td>
<td colspan="2" class="nump">8,040<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Reverse repurchase loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Other term loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">148,167<span></span>
</td>
<td class="nump">134,024<span></span>
</td>
<td colspan="2" class="nump">126,949<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Advances that are not loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">1,084<span></span>
</td>
<td class="nump">956<span></span>
</td>
<td colspan="2" class="nump">1,256<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Total loans and advances by products [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">193,579<span></span>
</td>
<td class="nump">171,241<span></span>
</td>
<td colspan="2" class="nump">165,593<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Of which mortagage loans collateralized by immovable property [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">29,307<span></span>
</td>
<td class="nump">24,829<span></span>
</td>
<td colspan="2" class="nump">23,970<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Of which other collateralized loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">10,996<span></span>
</td>
<td class="nump">10,938<span></span>
</td>
<td colspan="2" class="nump">6,635<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_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member] | Of which project finance loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">6,669<span></span>
</td>
<td class="nump">7,181<span></span>
</td>
<td colspan="2" class="nump">7,942<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | On demand [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">2,099<span></span>
</td>
<td class="nump">1,028<span></span>
</td>
<td colspan="2" class="nump">933<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Credit card debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">25,449<span></span>
</td>
<td class="nump">20,959<span></span>
</td>
<td colspan="2" class="nump">16,865<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Commercial debtors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">125<span></span>
</td>
<td class="nump">88<span></span>
</td>
<td colspan="2" class="nump">85<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Finance leases [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">270<span></span>
</td>
<td class="nump">285<span></span>
</td>
<td colspan="2" class="nump">322<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Reverse repurchase loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Other term loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">151,313<span></span>
</td>
<td class="nump">147,491<span></span>
</td>
<td colspan="2" class="nump">139,925<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Advances that are not loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">353<span></span>
</td>
<td class="nump">324<span></span>
</td>
<td colspan="2" class="nump">217<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Total loans and advances by products [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">179,610<span></span>
</td>
<td class="nump">170,175<span></span>
</td>
<td colspan="2" class="nump">158,348<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Of which mortagage loans collateralized by immovable property [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">97,627<span></span>
</td>
<td class="nump">96,772<span></span>
</td>
<td colspan="2" class="nump">95,056<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Of which other collateralized loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">2,648<span></span>
</td>
<td class="nump">2,430<span></span>
</td>
<td colspan="2" class="nump">2,209<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Of which credit for consumption [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">67,446<span></span>
</td>
<td class="nump">59,892<span></span>
</td>
<td colspan="2" class="nump">51,344<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_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember', window );">Households [Member] | Of which lending for house purchase [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">98,570<span></span>
</td>
<td class="nump">97,555<span></span>
</td>
<td colspan="2" class="nump">95,249<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | On demand [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">5,521<span></span>
</td>
<td class="nump">3,175<span></span>
</td>
<td colspan="2" class="nump">4,266<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Credit card debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">29,669<span></span>
</td>
<td class="nump">24,454<span></span>
</td>
<td colspan="2" class="nump">19,985<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Commercial debtors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">32,023<span></span>
</td>
<td class="nump">25,346<span></span>
</td>
<td colspan="2" class="nump">26,254<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Finance leases [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">10,364<span></span>
</td>
<td class="nump">9,714<span></span>
</td>
<td colspan="2" class="nump">8,857<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Reverse repurchase loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">9,422<span></span>
</td>
<td class="nump">7,234<span></span>
</td>
<td colspan="2" class="nump">5,674<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Other term loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">356,002<span></span>
</td>
<td class="nump">331,813<span></span>
</td>
<td colspan="2" class="nump">311,553<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Advances that are not loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">12,397<span></span>
</td>
<td class="nump">12,164<span></span>
</td>
<td colspan="2" class="nump">12,758<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Total loans and advances by products [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">455,399<span></span>
</td>
<td class="nump">413,901<span></span>
</td>
<td colspan="2" class="nump">389,347<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Of which mortagage loans collateralized by immovable property [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">130,633<span></span>
</td>
<td class="nump">125,328<span></span>
</td>
<td colspan="2" class="nump">122,719<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Of which other collateralized loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">30,129<span></span>
</td>
<td class="nump">26,963<span></span>
</td>
<td colspan="2" class="nump">20,675<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Of which credit for consumption [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">72,447<span></span>
</td>
<td class="nump">64,303<span></span>
</td>
<td colspan="2" class="nump">54,718<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Of which lending for house purchase [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">100,218<span></span>
</td>
<td class="nump">99,224<span></span>
</td>
<td colspan="2" class="nump">96,716<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_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross Carrying Amount [Member] | Of which project finance loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_BreakdownByCounterpartyAndProductLineItems', window );"><strong>Breakdown by counterparty and product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_LoansAndAdvancesByCounterpartyAndProduct', window );">Loans and advances by counterparty and product</a></td>
<td class="nump">&#8364; 6,901<span></span>
</td>
<td class="nump">&#8364; 7,743<span></span>
</td>
<td colspan="2" class="nump">&#8364; 8,530<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
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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>Breakdown by counterparty and product</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_BreakdownByCounterpartyAndProductLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans and advances by counterparty and product</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_LoansAndAdvancesByCounterpartyAndProduct</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypesOfLoansAndReceivablesAxis=ifrs-full_OnDemandMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=ifrs-full_OnDemandMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypesOfLoansAndReceivablesAxis=bbva_CreditCardDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_CreditCardDebtMember</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>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypesOfLoansAndReceivablesAxis=bbva_CommercialDebtorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_CommercialDebtorsMember</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></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypesOfLoansAndReceivablesAxis=bbva_FinanceLeasesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_FinanceLeasesMember</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>na</td>
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<td><strong> Balance Type:</strong></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_bbva_TypesOfLoansAndReceivablesAxis=bbva_ReverseRepurchaseLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_ReverseRepurchaseLoansMember</td>
</tr>
<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>
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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_bbva_TypesOfLoansAndReceivablesAxis=bbva_OtherTermLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_OtherTermLoansMember</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>
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<td><strong> Balance Type:</strong></td>
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<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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_AdvancesThatAreNotLoansMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypesOfLoansAndReceivablesAxis=bbva_TotalLoansAndAdvancesByProductsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_TotalLoansAndAdvancesByProductsMember</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>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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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_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichMortagageLoansCollateralizedByImmovablePropertyMember</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>
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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_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichOtherCollateralizedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichOtherCollateralizedLoansMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichCreditForConsumptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichCreditForConsumptionMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichLendingForHousePurchaseMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichLendingForHousePurchaseMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichProjectFinanceLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypesOfLoansAndReceivablesAxis=bbva_OfWhichProjectFinanceLoansMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HeadingsOfAssetsAxis=bbva_CentralBanksMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HeadingsOfAssetsAxis=bbva_GeneralGovernmentMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HeadingsOfAssetsAxis=bbva_CreditInstitutionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HeadingsOfAssetsAxis=bbva_OtherFinancialCorporationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HeadingsOfAssetsAxis=bbva_NonFinancialCorporationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HeadingsOfAssetsAxis=bbva_HouseholdsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HeadingsOfAssetsAxis=ifrs-full_GrossCarryingAmountMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>150
<FILENAME>R131.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360536632192">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Impaired loans and advances at amortized cost covered by collateral (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems', window );"><strong>Impaired financial assets at amortised cost [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">&#8364; 201,433<span></span>
</td>
<td class="nump">&#8364; 189,602<span></span>
</td>
<td class="nump">&#8364; 166,013<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_bbva_SecuredFinancialInstrumentsAxis=bbva_MaximumExposureToCreditRiskMember', window );">Maximum exposure to credit risk [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems', window );"><strong>Impaired financial assets at amortised cost [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">14,213<span></span>
</td>
<td class="nump">14,446<span></span>
</td>
<td class="nump">13,493<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_bbva_SecuredFinancialInstrumentsAxis=bbva_OfWhichSecuredByCollateralMember', window );">Of which secured by collateral [Member] | Residential property [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems', window );"><strong>Impaired financial assets at amortised cost [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">2,889<span></span>
</td>
<td class="nump">3,167<span></span>
</td>
<td class="nump">2,537<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_bbva_SecuredFinancialInstrumentsAxis=bbva_OfWhichSecuredByCollateralMember', window );">Of which secured by collateral [Member] | Commercial property [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems', window );"><strong>Impaired financial assets at amortised cost [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">573<span></span>
</td>
<td class="nump">771<span></span>
</td>
<td class="nump">849<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_bbva_SecuredFinancialInstrumentsAxis=bbva_OfWhichSecuredByCollateralMember', window );">Of which secured by collateral [Member] | Cash as collateral [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems', window );"><strong>Impaired financial assets at amortised cost [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">3<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_bbva_SecuredFinancialInstrumentsAxis=bbva_OfWhichSecuredByCollateralMember', window );">Of which secured by collateral [Member] | Other [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems', window );"><strong>Impaired financial assets at amortised cost [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">91<span></span>
</td>
<td class="nump">91<span></span>
</td>
<td class="nump">52<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_bbva_SecuredFinancialInstrumentsAxis=bbva_OfWhichSecuredByCollateralMember', window );">Of which secured by collateral [Member] | Financial [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems', window );"><strong>Impaired financial assets at amortised cost [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">&#8364; 1,153<span></span>
</td>
<td class="nump">&#8364; 1,226<span></span>
</td>
<td class="nump">&#8364; 984<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpairedFinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impaired 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_ImpairedFinancialAssetsAtAmortisedCost</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_ImpairedFinancialAssetsAtAmortisedCostLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impaired 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_ImpairedFinancialAssetsAtAmortisedCostLineItems</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_SecuredFinancialInstrumentsAxis=bbva_MaximumExposureToCreditRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_SecuredFinancialInstrumentsAxis=bbva_MaximumExposureToCreditRiskMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SecuredFinancialInstrumentsAxis=bbva_OfWhichSecuredByCollateralMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_SecuredFinancialInstrumentsAxis=bbva_OfWhichSecuredByCollateralMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_ResidentialPropertyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_ResidentialPropertyMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_CommercialPropertyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_CommercialPropertyMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_CashAsCollateralMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_CashAsCollateralMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_OtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_OtherMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_FinancialMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OfWhichSecuredFinancialInstrumentsAxis=bbva_FinancialMember</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>
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</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>151
<FILENAME>R132.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535107792">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Guarantees Received (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_GuaranteesReceivedLineItems', window );"><strong>Guarantees received [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">&#8364; 201,433<span></span>
</td>
<td class="nump">&#8364; 189,602<span></span>
</td>
<td class="nump">&#8364; 166,013<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_bbva_SecuredFinancialInstrumentsAxis=bbva_ValueOfCollateralMember', window );">Value of collateral [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GuaranteesReceivedLineItems', window );"><strong>Guarantees received [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">144,844<span></span>
</td>
<td class="nump">136,141<span></span>
</td>
<td class="nump">125,963<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_bbva_SecuredFinancialInstrumentsAxis=bbva_ValueOfCollateralMember', window );">Value of collateral [Member] | Of which guarantees normal risks under special monitoring [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GuaranteesReceivedLineItems', window );"><strong>Guarantees received [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">11,318<span></span>
</td>
<td class="nump">14,274<span></span>
</td>
<td class="nump">12,826<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_bbva_SecuredFinancialInstrumentsAxis=bbva_ValueOfCollateralMember', window );">Value of collateral [Member] | Of which guarantees non performing risks [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GuaranteesReceivedLineItems', window );"><strong>Guarantees received [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">3,562<span></span>
</td>
<td class="nump">4,035<span></span>
</td>
<td class="nump">3,440<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_bbva_SecuredFinancialInstrumentsAxis=bbva_ValueOfOtherGuaranteesMember', window );">Value of other guarantees [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GuaranteesReceivedLineItems', window );"><strong>Guarantees received [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">56,589<span></span>
</td>
<td class="nump">53,462<span></span>
</td>
<td class="nump">40,050<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_bbva_SecuredFinancialInstrumentsAxis=bbva_ValueOfOtherGuaranteesMember', window );">Value of other guarantees [Member] | Of which guarantees normal risks under special monitoring [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GuaranteesReceivedLineItems', window );"><strong>Guarantees received [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">4,273<span></span>
</td>
<td class="nump">4,864<span></span>
</td>
<td class="nump">4,963<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_bbva_SecuredFinancialInstrumentsAxis=bbva_ValueOfOtherGuaranteesMember', window );">Value of other guarantees [Member] | Of which guarantees non performing risks [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GuaranteesReceivedLineItems', window );"><strong>Guarantees received [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAtAmortisedCost', window );">Impaired financial assets at amortised cost</a></td>
<td class="nump">&#8364; 1,153<span></span>
</td>
<td class="nump">&#8364; 1,226<span></span>
</td>
<td class="nump">&#8364; 984<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GuaranteesReceivedLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Guarantees received</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_GuaranteesReceivedLineItems</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_ImpairedFinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impaired 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_ImpairedFinancialAssetsAtAmortisedCost</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_SecuredFinancialInstrumentsAxis=bbva_ValueOfCollateralMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_SecuredFinancialInstrumentsAxis=bbva_ValueOfCollateralMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ValueOfGuaranteesAxis=bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ValueOfGuaranteesAxis=bbva_OfWhichGuaranteesNormalRisksUnderSpecialMonitoringMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ValueOfGuaranteesAxis=bbva_OfWhichGuaranteesNonPerformingRisksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360538083840">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7 Probability of default of loans and advances to customers (Details)<br></strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></th>
</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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Subject to 12 month ECL [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">94.50%<span></span>
</td>
<td class="nump">92.40%<span></span>
</td>
<td colspan="2" class="nump">92.30%<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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Subject to 12 month ECL [Member] | 0 to 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">3.20%<span></span>
</td>
<td class="nump">3.80%<span></span>
</td>
<td colspan="2" class="nump">5.50%<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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Subject to 12 month ECL [Member] | 2 to 5 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">9.00%<span></span>
</td>
<td class="nump">10.70%<span></span>
</td>
<td colspan="2" class="nump">19.40%<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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Subject to 12 month ECL [Member] | 5 to 11 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">17.10%<span></span>
</td>
<td class="nump">25.40%<span></span>
</td>
<td colspan="2" class="nump">19.90%<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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Subject to 12 month ECL [Member] | 11 to 39 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">29.70%<span></span>
</td>
<td class="nump">21.70%<span></span>
</td>
<td colspan="2" class="nump">18.70%<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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Subject to 12 month ECL [Member] | 39 to 194 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">23.50%<span></span>
</td>
<td class="nump">20.60%<span></span>
</td>
<td colspan="2" class="nump">18.40%<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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Subject to 12 month ECL [Member] | 194 to 1061 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">10.20%<span></span>
</td>
<td class="nump">8.70%<span></span>
</td>
<td colspan="2" class="nump">9.00%<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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Subject to 12 month ECL [Member] | 1061 to 2121 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">1.20%<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
<td colspan="2" class="nump">1.00%<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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Subject to 12 month ECL [Member] | More than 2121 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">0.70%<span></span>
</td>
<td class="nump">0.50%<span></span>
</td>
<td colspan="2" class="nump">0.50%<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Subject to lifetime ECL [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">5.50%<span></span>
</td>
<td class="nump">7.60%<span></span>
</td>
<td colspan="2" class="nump">7.70%<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Subject to lifetime ECL [Member] | 0 to 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td colspan="2" class="nump">0.10%<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Subject to lifetime ECL [Member] | 2 to 5 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.20%<span></span>
</td>
<td colspan="2" class="nump">0.30%<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Subject to lifetime ECL [Member] | 5 to 11 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.50%<span></span>
</td>
<td colspan="2" class="nump">0.70%<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Subject to lifetime ECL [Member] | 11 to 39 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">0.60%<span></span>
</td>
<td class="nump">1.30%<span></span>
</td>
<td colspan="2" class="nump">0.80%<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Subject to lifetime ECL [Member] | 39 to 194 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">1.70%<span></span>
</td>
<td class="nump">2.10%<span></span>
</td>
<td colspan="2" class="nump">1.90%<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Subject to lifetime ECL [Member] | 194 to 1061 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">1.60%<span></span>
</td>
<td class="nump">2.20%<span></span>
</td>
<td colspan="2" class="nump">2.50%<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Subject to lifetime ECL [Member] | 1061 to 2121 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">0.60%<span></span>
</td>
<td colspan="2" class="nump">0.70%<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Subject to lifetime ECL [Member] | More than 2121 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DisclosureOfProbabilityOfDefaultLineItems', window );"><strong>Disclosure of probability of default [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers', window );">Probability of default of loans and advances to customers</a></td>
<td class="nump">0.90%<span></span>
</td>
<td class="nump">0.80%<span></span>
</td>
<td colspan="2" class="nump">0.80%<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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) Data corresponding to the year 2022, does not include commitments nor contingent liabilities</td>
</tr></table></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of probability of default</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_DisclosureOfProbabilityOfDefaultLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Probability of default of loans and advances to customers</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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomers</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</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_ProbabilityOfDefaultAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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;">bbva_BasisPointsAxis=bbva_A2To5Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance 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>
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<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;">bbva_BasisPointsAxis=bbva_A5To11Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance 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;">bbva_BasisPointsAxis=bbva_A11To39Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</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;">bbva_BasisPointsAxis=bbva_A39To194Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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;">bbva_BasisPointsAxis=bbva_A194To1061Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<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;">bbva_BasisPointsAxis=bbva_A1061To2121Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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;">bbva_BasisPointsAxis=bbva_MoreThan2121Member</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>na</td>
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<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_ProbabilityOfDefaultAxis=ifrs-full_LifetimeExpectedCreditLossesMember</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360520941440">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Impaired secured loans risks (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_ImpairedSecuredLoansRisksLineItems', window );"><strong>Impaired secured loans risks [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Loans and advances at amortised cost, gross carrying amount</a></td>
<td class="nump">&#8364; 455,016<span></span>
</td>
<td class="nump">&#8364; 413,585<span></span>
</td>
<td colspan="2" class="nump">&#8364; 389,073<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_ImpairedLoansAndAdvancesAtAmortizedCost', window );">Impaired loans and advances at amortized cost</a></td>
<td class="nump">14,213<span></span>
</td>
<td class="nump">14,446<span></span>
</td>
<td colspan="2" class="nump">13,493<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_CounterpartiesAxis=bbva_CentralBanksMember', window );">Central banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_ImpairedSecuredLoansRisksLineItems', window );"><strong>Impaired secured loans risks [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Loans and advances at amortised cost, gross carrying amount</a></td>
<td class="nump">8,261<span></span>
</td>
<td class="nump">7,176<span></span>
</td>
<td colspan="2" class="nump">4,420<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_ImpairedLoansAndAdvancesAtAmortizedCost', window );">Impaired loans and advances at amortized cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" 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_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost', window );">Accumulated impairment</a></td>
<td class="num">(6)<span></span>
</td>
<td class="num">(25)<span></span>
</td>
<td colspan="2" class="num">(19)<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_CounterpartiesAxis=bbva_GeneralGovernmentMember', window );">General government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_ImpairedSecuredLoansRisksLineItems', window );"><strong>Impaired secured loans risks [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Loans and advances at amortised cost, gross carrying amount</a></td>
<td class="nump">22,133<span></span>
</td>
<td class="nump">23,294<span></span>
</td>
<td colspan="2" class="nump">20,922<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_ImpairedLoansAndAdvancesAtAmortizedCost', window );">Impaired loans and advances at amortized cost</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td colspan="2" class="nump">38<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_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost', window );">Accumulated impairment</a></td>
<td class="num">(23)<span></span>
</td>
<td class="num">(29)<span></span>
</td>
<td colspan="2" class="num">(30)<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_CounterpartiesAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_ImpairedSecuredLoansRisksLineItems', window );"><strong>Impaired secured loans risks [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Loans and advances at amortised cost, gross carrying amount</a></td>
<td class="nump">22,668<span></span>
</td>
<td class="nump">17,498<span></span>
</td>
<td colspan="2" class="nump">16,066<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_ImpairedLoansAndAdvancesAtAmortizedCost', window );">Impaired loans and advances at amortized cost</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td colspan="2" 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_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost', window );">Accumulated impairment</a></td>
<td class="num">(13)<span></span>
</td>
<td class="num">(21)<span></span>
</td>
<td colspan="2" class="num">(35)<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_CounterpartiesAxis=bbva_OtherFinancialInstitutionsMember', window );">Other financial institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_ImpairedSecuredLoansRisksLineItems', window );"><strong>Impaired secured loans risks [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Loans and advances at amortised cost, gross carrying amount</a></td>
<td class="nump">17,524<span></span>
</td>
<td class="nump">13,271<span></span>
</td>
<td colspan="2" class="nump">12,802<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_ImpairedLoansAndAdvancesAtAmortizedCost', window );">Impaired loans and advances at amortized cost</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td colspan="2" class="nump">17<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_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost', window );">Accumulated impairment</a></td>
<td class="num">(26)<span></span>
</td>
<td class="num">(20)<span></span>
</td>
<td colspan="2" class="num">(37)<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_CounterpartiesAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_ImpairedSecuredLoansRisksLineItems', window );"><strong>Impaired secured loans risks [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Loans and advances at amortised cost, gross carrying amount</a></td>
<td class="nump">197,521<span></span>
</td>
<td class="nump">175,337<span></span>
</td>
<td colspan="2" class="nump">170,929<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_ImpairedLoansAndAdvancesAtAmortizedCost', window );">Impaired loans and advances at amortized cost</a></td>
<td class="nump">5,014<span></span>
</td>
<td class="nump">5,520<span></span>
</td>
<td colspan="2" class="nump">6,340<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_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost', window );">Accumulated impairment</a></td>
<td class="num">(4,134)<span></span>
</td>
<td class="num">(4,274)<span></span>
</td>
<td colspan="2" class="num">(5,495)<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_CounterpartiesAxis=bbva_HouseholdsMember', window );">Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_ImpairedSecuredLoansRisksLineItems', window );"><strong>Impaired secured loans risks [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Loans and advances at amortised cost, gross carrying amount</a></td>
<td class="nump">186,910<span></span>
</td>
<td class="nump">177,009<span></span>
</td>
<td colspan="2" class="nump">163,936<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_ImpairedLoansAndAdvancesAtAmortizedCost', window );">Impaired loans and advances at amortized cost</a></td>
<td class="nump">9,158<span></span>
</td>
<td class="nump">8,886<span></span>
</td>
<td colspan="2" class="nump">7,098<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_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost', window );">Accumulated impairment</a></td>
<td class="num">&#8364; (7,427)<span></span>
</td>
<td class="num">&#8364; (6,946)<span></span>
</td>
<td colspan="2" class="num">&#8364; (5,675)<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></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_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 impairment loans and advances 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_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost</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_ImpairedLoansAndAdvancesAtAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impaired loans and advances 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_ImpairedLoansAndAdvancesAtAmortizedCost</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_ImpairedSecuredLoansRisksLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impaired secured loans risks</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_ImpairedSecuredLoansRisksLineItems</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_ifrs-full_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that are measured in accordance with paragraph 4.1.2 of IFRS 9, before deducting any accumulated credit losses thereon.</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount</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_CounterpartiesAxis=bbva_CentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_CounterpartiesAxis=bbva_CentralBanksMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CounterpartiesAxis=bbva_GeneralGovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_CounterpartiesAxis=bbva_GeneralGovernmentMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CounterpartiesAxis=bbva_CreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_CounterpartiesAxis=bbva_CreditInstitutionsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CounterpartiesAxis=bbva_OtherFinancialInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_CounterpartiesAxis=bbva_OtherFinancialInstitutionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CounterpartiesAxis=bbva_NonFinancialCorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_CounterpartiesAxis=bbva_NonFinancialCorporationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CounterpartiesAxis=bbva_HouseholdsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_CounterpartiesAxis=bbva_HouseholdsMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>154
<FILENAME>R135.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360562308320">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 7 Changes in impaired financial assets and guarantees given (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems', window );"><strong>Changes in impaired assets and guarantees given [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairedFinancialAssetsAndGuaranteesGiven', window );">Impaired financial assets and guarantees given at the beginning</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 15,362<span></span>
</td>
<td class="nump">&#8364; 14,521<span></span>
</td>
<td class="nump">&#8364; 15,467<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_AdditionsOfImpairedAssets', window );">Additions Of Impaired Assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12,255<span></span>
</td>
<td class="nump">11,066<span></span>
</td>
<td class="nump">8,084<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_DecreaseOfImpairedAssets', window );">Decrease of impaired assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(7,346)<span></span>
</td>
<td class="num">(5,795)<span></span>
</td>
<td class="num">(5,742)<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_IncreaseDecreaseInFinancialAssets', window );">Increase (decrease) in financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,909<span></span>
</td>
<td class="nump">5,272<span></span>
</td>
<td class="nump">2,342<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_DecreaseThroughWriteoffFinancialAssets', window );">Decrease through write-off, financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(4,559)<span></span>
</td>
<td class="num">(3,770)<span></span>
</td>
<td class="num">(2,771)<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_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Increase (decrease) through foreign exchange and other movements, financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(820)<span></span>
</td>
<td class="num">(660)<span></span>
</td>
<td class="num">(517)<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_ImpairedFinancialAssetsAndGuaranteesGiven', window );">Impaired financial assets and guarantees given at the end</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 14,891<span></span>
</td>
<td class="nump">&#8364; 15,362<span></span>
</td>
<td class="nump">&#8364; 14,521<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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(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.</span></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_AdditionsOfImpairedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Additions Of Impaired 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_AdditionsOfImpairedAssets</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_ChangesInImpairedAssetsAndGuaranteesGivenLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 impaired assets 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_ChangesInImpairedAssetsAndGuaranteesGivenLineItems</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_DecreaseOfImpairedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease of impaired 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_DecreaseOfImpairedAssets</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_ImpairedFinancialAssetsAndGuaranteesGiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impaired financial assets 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_ImpairedFinancialAssetsAndGuaranteesGiven</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_DecreaseThroughWriteoffFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial assets resulting from write-off. [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/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35I<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35I_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DecreaseThroughWriteoffFinancialAssets</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_IncreaseDecreaseInFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial assets. [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 2024-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseInFinancialAssets</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_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial assets resulting from foreign exchange and other movements. [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/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>155
<FILENAME>R136.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526684016">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 7 Changes in impaired financial assets written off from the balance sheet (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems', window );"><strong>Changes in impaired financial assets written off from the balance sheet [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_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding', window );">Financial assets written off during reporting period and still subject to enforcement activity, contractual amount outstanding</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 24,787<span></span>
</td>
<td class="nump">&#8364; 22,595<span></span>
</td>
<td class="nump">&#8364; 21,990<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_CompaniesHeldForSale', window );">Companies 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">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_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet', window );">Increase impaired financial assets written off from the balance sheet</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,547<span></span>
</td>
<td class="nump">3,841<span></span>
</td>
<td class="nump">2,871<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_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet', window );">Decrease impaired financial assets written off from the balance sheet</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,801)<span></span>
</td>
<td class="num">(2,035)<span></span>
</td>
<td class="num">(2,431)<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_ReFinancingOrRestructuring', window );">Re-financing or restructuring</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="num">(2)<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_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff', window );">Gain on recovery of loans and advances previously written off</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(403)<span></span>
</td>
<td class="num">(369)<span></span>
</td>
<td class="num">(390)<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_DecreaseForeclosedAssets', window );">Decrease foreclosed assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(25)<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_DecreaseSales', window );">Decrease sales</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(1,719)<span></span>
</td>
<td class="num">(1,201)<span></span>
</td>
<td class="num">(1,498)<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_DecreaseDebtForgiveness', window );">Decrease debt forgiveness</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(669)<span></span>
</td>
<td class="num">(410)<span></span>
</td>
<td class="num">(368)<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_DecreaseTimeBarredDebtAndOtherCauses', window );">Decrease time barred debt and other causes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(8)<span></span>
</td>
<td class="num">(51)<span></span>
</td>
<td class="num">(147)<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_NetExchangeDifferencesWrittenOff', window );">Net exchange differences written off</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(189)<span></span>
</td>
<td class="nump">385<span></span>
</td>
<td class="nump">165<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_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding', window );">Financial assets written off during reporting period and still subject to enforcement activity, contractual amount outstanding</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 25,343<span></span>
</td>
<td class="nump">&#8364; 24,787<span></span>
</td>
<td class="nump">&#8364; 22,595<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes principal and interest.</span></div></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_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 impaired financial assets written off from the balance sheet</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_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems</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_CompaniesHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>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_CompaniesHeldForSale</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_DecreaseDebtForgiveness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease debt forgiveness</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_DecreaseDebtForgiveness</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_DecreaseForeclosedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease foreclosed 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_DecreaseForeclosedAssets</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_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease impaired financial assets written off from the balance sheet</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_DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet</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_DecreaseSales">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease sales</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_DecreaseSales</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_DecreaseTimeBarredDebtAndOtherCauses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease time barred debt and other causes</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_DecreaseTimeBarredDebtAndOtherCauses</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_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 impaired financial assets written off from the balance sheet</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_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet</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_NetExchangeDifferencesWrittenOff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 exchange differences written off</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_NetExchangeDifferencesWrittenOff</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_ReFinancingOrRestructuring">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Re-financing or restructuring</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_ReFinancingOrRestructuring</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_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 contractual amount outstanding on financial assets that were written off during the reporting period and are still subject to enforcement activity. [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 2024-01-01<br> -Paragraph 35L<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35L&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding</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_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 gain on the recovery of loans and advances previously written off.</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 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572483184">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 7 Changes in gross accounting balances of loans and advances at amortized cost (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems', window );"><strong>Changes in gross accounting balances and allowances of loans and advances at amortized cost [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 413,585<span></span>
</td>
<td class="nump">&#8364; 389,073<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">455,016<span></span>
</td>
<td class="nump">413,585<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 389,073<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_AccountingBalancesAxis=bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostMember', window );">Changes in gross accounting balances of loans and advances at amortized cost [Member]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems', window );"><strong>Changes in gross accounting balances and allowances of loans and advances at amortized cost [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">413,585<span></span>
</td>
<td class="nump">389,073<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">349,037<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersOfFinancialAssets', window );">Transfers of financial 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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage1ToStage2', window );">Transfers from stage 1 to stage 2</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage2ToStage1', window );">Transfers from stage 2 to stage 1</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersToStage3', window );">Transfers to stage 3</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage3', window );">Transfers from stage 3</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetAnnualOriginationOfFinancialAssets', window );">Net annual origination of financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">58,952<span></span>
</td>
<td class="nump">31,764<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">40,522<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BecomingWriteOffs', window );">Becoming write offs</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,594)<span></span>
</td>
<td class="num">(3,150)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,530)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MethodologicalChangesAndAdoptionOfNewStandards', window );">Methodological changes and adoption of new standards</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(672)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetForeignExchangeLoss', window );">Net foreign exchange loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(15,203)<span></span>
</td>
<td class="num">(3,838)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,004<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughOtherMovementsFinancialAssets', window );">Increase (decrease) through other movements, financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">144<span></span>
</td>
<td class="nump">401<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">140<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherImpairmentLosses', window );">Other impairment losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,131<span></span>
</td>
<td class="num">(665)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">573<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">455,016<span></span>
</td>
<td class="nump">413,585<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">389,073<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_StagesAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Changes in gross accounting balances of loans and advances at amortized cost [Member]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems', window );"><strong>Changes in gross accounting balances and allowances of loans and advances at amortized cost [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">361,186<span></span>
</td>
<td class="nump">341,944<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">300,167<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersOfFinancialAssets', window );">Transfers of financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(4,032)<span></span>
</td>
<td class="num">(11,647)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(5,041)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage1ToStage2', window );">Transfers from stage 1 to stage 2</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(11,840)<span></span>
</td>
<td class="num">(18,172)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(12,726)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage2ToStage1', window );">Transfers from stage 2 to stage 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,830<span></span>
</td>
<td class="nump">7,639<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,537<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersToStage3', window );">Transfers to stage 3</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,260)<span></span>
</td>
<td class="num">(3,203)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,941)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage3', window );">Transfers from stage 3</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,238<span></span>
</td>
<td class="nump">2,089<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,089<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetAnnualOriginationOfFinancialAssets', window );">Net annual origination of financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">64,222<span></span>
</td>
<td class="nump">34,334<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">44,465<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BecomingWriteOffs', window );">Becoming write offs</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(333)<span></span>
</td>
<td class="num">(186)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(63)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MethodologicalChangesAndAdoptionOfNewStandards', window );">Methodological changes and adoption of new standards</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(672)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetForeignExchangeLoss', window );">Net foreign exchange loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(13,508)<span></span>
</td>
<td class="num">(2,833)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,447<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughOtherMovementsFinancialAssets', window );">Increase (decrease) through other movements, financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">29<span></span>
</td>
<td class="num">(60)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherImpairmentLosses', window );">Other impairment losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,460<span></span>
</td>
<td class="num">(365)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">643<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">409,023<span></span>
</td>
<td class="nump">361,186<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">341,944<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_StagesAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Changes in gross accounting balances of loans and advances at amortized cost [Member]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems', window );"><strong>Changes in gross accounting balances and allowances of loans and advances at amortized cost [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">37,953<span></span>
</td>
<td class="nump">33,636<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">34,213<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersOfFinancialAssets', window );">Transfers of financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,625<span></span>
</td>
<td class="nump">10,463<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,914<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage1ToStage2', window );">Transfers from stage 1 to stage 2</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,840<span></span>
</td>
<td class="nump">18,172<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">12,726<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage2ToStage1', window );">Transfers from stage 2 to stage 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(9,830)<span></span>
</td>
<td class="num">(7,639)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(8,537)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersToStage3', window );">Transfers to stage 3</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,949)<span></span>
</td>
<td class="num">(2,297)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,831)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage3', window );">Transfers from stage 3</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,564<span></span>
</td>
<td class="nump">2,226<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,556<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetAnnualOriginationOfFinancialAssets', window );">Net annual origination of financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(6,378)<span></span>
</td>
<td class="num">(5,233)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(4,201)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BecomingWriteOffs', window );">Becoming write offs</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(112)<span></span>
</td>
<td class="num">(76)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(35)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MethodologicalChangesAndAdoptionOfNewStandards', window );">Methodological changes and adoption of new standards</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetForeignExchangeLoss', window );">Net foreign exchange loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,137)<span></span>
</td>
<td class="num">(635)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">18<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughOtherMovementsFinancialAssets', window );">Increase (decrease) through other movements, financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">78<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherImpairmentLosses', window );">Other impairment losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(250)<span></span>
</td>
<td class="num">(187)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(301)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">31,780<span></span>
</td>
<td class="nump">37,953<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">33,636<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_StagesAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Changes in gross accounting balances of loans and advances at amortized cost [Member]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems', window );"><strong>Changes in gross accounting balances and allowances of loans and advances at amortized cost [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,446<span></span>
</td>
<td class="nump">13,493<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">14,657<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersOfFinancialAssets', window );">Transfers of financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,407<span></span>
</td>
<td class="nump">1,184<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,128<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage1ToStage2', window );">Transfers from stage 1 to stage 2</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage2ToStage1', window );">Transfers from stage 2 to stage 1</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="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersToStage3', window );">Transfers to stage 3</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,208<span></span>
</td>
<td class="nump">5,500<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,773<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage3', window );">Transfers from stage 3</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,801)<span></span>
</td>
<td class="num">(4,316)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,645)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetAnnualOriginationOfFinancialAssets', window );">Net annual origination of financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,108<span></span>
</td>
<td class="nump">2,663<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">258<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BecomingWriteOffs', window );">Becoming write offs</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,149)<span></span>
</td>
<td class="num">(2,889)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,432)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MethodologicalChangesAndAdoptionOfNewStandards', window );">Methodological changes and adoption of new standards</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetForeignExchangeLoss', window );">Net foreign exchange loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(557)<span></span>
</td>
<td class="num">(369)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(461)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughOtherMovementsFinancialAssets', window );">Increase (decrease) through other movements, financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">36<span></span>
</td>
<td class="nump">476<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">113<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherImpairmentLosses', window );">Other impairment losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(78)<span></span>
</td>
<td class="num">(112)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">231<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 14,213<span></span>
</td>
<td class="nump">&#8364; 14,446<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 13,493<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></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 entire impact corresponds to the application of IFRS 17 (See Note 1.3)</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_BecomingWriteOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Becoming write offs</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_BecomingWriteOffs</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 gross accounting balances and allowances of loans and advances 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_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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_MethodologicalChangesAndAdoptionOfNewStandards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Methodological changes and adoption of new standards</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_MethodologicalChangesAndAdoptionOfNewStandards</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_NetAnnualOriginationOfFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 annual origination of 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_NetAnnualOriginationOfFinancialAssets</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_OtherImpairmentLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 losses</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_OtherImpairmentLosses</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_TransfersFromStage1ToStage2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers from stage 1 to stage 2</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_TransfersFromStage1ToStage2</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_TransfersFromStage2ToStage1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers from stage 2 to stage 1</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_TransfersFromStage2ToStage1</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_TransfersFromStage3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers from stage 3</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_TransfersFromStage3</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_TransfersOfFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers of 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_TransfersOfFinancialAssets</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_TransfersToStage3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers to stage 3</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_TransfersToStage3</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_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial assets resulting from other movements. [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/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughOtherMovementsFinancialAssets</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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that are measured in accordance with paragraph 4.1.2 of IFRS 9, before deducting any accumulated credit losses thereon.</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount</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_NetForeignExchangeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 net loss arising from exchange differences recognised in profit or loss, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Foreign exchange gain (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 21<br> -IssueDate 2024-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2024-03-27<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_NetForeignExchangeLoss</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_bbva_AccountingBalancesAxis=bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AccountingBalancesAxis=bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_StagesAxis=bbva_Stage1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_StagesAxis=bbva_Stage1Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_StagesAxis=bbva_Stage2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_StagesAxis=bbva_Stage2Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_StagesAxis=bbva_Stage3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_StagesAxis=bbva_Stage3Member</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561641344">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7 Changes in allowances of loans and advances at amortized cost (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems', window );"><strong>Changes in allowances of loans and advances at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="nump">&#8364; 413,585<span></span>
</td>
<td class="nump">&#8364; 389,073<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="nump">455,016<span></span>
</td>
<td class="nump">413,585<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 389,073<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_AccountingBalancesAxis=bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember', window );">Changes in allowances of loans and advances at amortized cost [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems', window );"><strong>Changes in allowances of loans and advances at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="num">(11,316)<span></span>
</td>
<td class="num">(11,291)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(11,142)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersOfFinancialAssets', window );">Transfers of financial assets</a></td>
<td class="num">(3,031)<span></span>
</td>
<td class="num">(2,790)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,473)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage1ToStage2', window );">Transfers from stage 1 to stage 2</a></td>
<td class="num">(594)<span></span>
</td>
<td class="num">(563)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(287)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage2ToStage1', window );">Transfers from stage 2 to stage 1</a></td>
<td class="nump">275<span></span>
</td>
<td class="nump">210<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">283<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersToStage3', window );">Transfers to stage 3</a></td>
<td class="num">(3,259)<span></span>
</td>
<td class="num">(2,734)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,662)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage3', window );">Transfers from stage 3</a></td>
<td class="nump">548<span></span>
</td>
<td class="nump">297<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">193<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetAnnualOriginationOfAllowances', window );">Net annual origination of allowances</a></td>
<td class="num">(2,174)<span></span>
</td>
<td class="num">(846)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,342)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BecomingWriteOffs', window );">Becoming write offs</a></td>
<td class="nump">3,337<span></span>
</td>
<td class="nump">3,071<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,106<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetForeignExchangeLoss', window );">Net foreign exchange loss</a></td>
<td class="nump">1,613<span></span>
</td>
<td class="nump">160<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">161<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughOtherMovementsFinancialAssets', window );">Increase (decrease) through other movements, financial assets</a></td>
<td class="num">(304)<span></span>
</td>
<td class="num">(252)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(112)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherImpairmentLosses', window );">Other impairment losses</a></td>
<td class="nump">246<span></span>
</td>
<td class="nump">631<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">511<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="num">(11,630)<span></span>
</td>
<td class="num">(11,316)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(11,291)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_StagesAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Changes in allowances of loans and advances at amortized cost [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems', window );"><strong>Changes in allowances of loans and advances at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="num">(2,131)<span></span>
</td>
<td class="num">(2,065)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,990)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersOfFinancialAssets', window );">Transfers of financial assets</a></td>
<td class="nump">105<span></span>
</td>
<td class="nump">73<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">63<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage1ToStage2', window );">Transfers from stage 1 to stage 2</a></td>
<td class="nump">103<span></span>
</td>
<td class="nump">118<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">110<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage2ToStage1', window );">Transfers from stage 2 to stage 1</a></td>
<td class="num">(53)<span></span>
</td>
<td class="num">(113)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(91)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersToStage3', window );">Transfers to stage 3</a></td>
<td class="nump">93<span></span>
</td>
<td class="nump">81<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">51<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage3', window );">Transfers from stage 3</a></td>
<td class="num">(38)<span></span>
</td>
<td class="num">(13)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(7)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetAnnualOriginationOfAllowances', window );">Net annual origination of allowances</a></td>
<td class="num">(1,059)<span></span>
</td>
<td class="num">(466)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(406)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BecomingWriteOffs', window );">Becoming write offs</a></td>
<td class="nump">321<span></span>
</td>
<td class="nump">147<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">186<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetForeignExchangeLoss', window );">Net foreign exchange loss</a></td>
<td class="nump">325<span></span>
</td>
<td class="num">(52)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(87)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughOtherMovementsFinancialAssets', window );">Increase (decrease) through other movements, financial assets</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherImpairmentLosses', window );">Other impairment losses</a></td>
<td class="nump">30<span></span>
</td>
<td class="nump">229<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">168<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="num">(2,406)<span></span>
</td>
<td class="num">(2,131)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,065)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_StagesAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Changes in allowances of loans and advances at amortized cost [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems', window );"><strong>Changes in allowances of loans and advances at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="num">(2,026)<span></span>
</td>
<td class="num">(1,942)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,091)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersOfFinancialAssets', window );">Transfers of financial assets</a></td>
<td class="num">(370)<span></span>
</td>
<td class="num">(336)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">33<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage1ToStage2', window );">Transfers from stage 1 to stage 2</a></td>
<td class="num">(697)<span></span>
</td>
<td class="num">(681)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(397)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage2ToStage1', window );">Transfers from stage 2 to stage 1</a></td>
<td class="nump">327<span></span>
</td>
<td class="nump">323<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">374<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersToStage3', window );">Transfers to stage 3</a></td>
<td class="nump">146<span></span>
</td>
<td class="nump">120<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">204<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage3', window );">Transfers from stage 3</a></td>
<td class="num">(146)<span></span>
</td>
<td class="num">(97)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(148)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetAnnualOriginationOfAllowances', window );">Net annual origination of allowances</a></td>
<td class="nump">10<span></span>
</td>
<td class="num">(148)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(273)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BecomingWriteOffs', window );">Becoming write offs</a></td>
<td class="nump">107<span></span>
</td>
<td class="nump">71<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">30<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetForeignExchangeLoss', window );">Net foreign exchange loss</a></td>
<td class="nump">213<span></span>
</td>
<td class="nump">44<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">248<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughOtherMovementsFinancialAssets', window );">Increase (decrease) through other movements, financial assets</a></td>
<td class="nump">35<span></span>
</td>
<td class="nump">49<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">48<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherImpairmentLosses', window );">Other impairment losses</a></td>
<td class="nump">183<span></span>
</td>
<td class="nump">235<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">64<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="num">(1,848)<span></span>
</td>
<td class="num">(2,026)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,942)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_StagesAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Changes in allowances of loans and advances at amortized cost [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems', window );"><strong>Changes in allowances of loans and advances at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="num">(7,158)<span></span>
</td>
<td class="num">(7,284)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(7,061)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersOfFinancialAssets', window );">Transfers of financial assets</a></td>
<td class="num">(2,766)<span></span>
</td>
<td class="num">(2,527)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,570)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage1ToStage2', window );">Transfers from stage 1 to stage 2</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage2ToStage1', window );">Transfers from stage 2 to stage 1</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersToStage3', window );">Transfers to stage 3</a></td>
<td class="num">(3,498)<span></span>
</td>
<td class="num">(2,935)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,917)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TransfersFromStage3', window );">Transfers from stage 3</a></td>
<td class="nump">732<span></span>
</td>
<td class="nump">408<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">347<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetAnnualOriginationOfAllowances', window );">Net annual origination of allowances</a></td>
<td class="num">(1,125)<span></span>
</td>
<td class="num">(232)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(663)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_BecomingWriteOffs', window );">Becoming write offs</a></td>
<td class="nump">2,909<span></span>
</td>
<td class="nump">2,853<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,890<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NetForeignExchangeLoss', window );">Net foreign exchange loss</a></td>
<td class="nump">1,075<span></span>
</td>
<td class="nump">169<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughOtherMovementsFinancialAssets', window );">Increase (decrease) through other movements, financial assets</a></td>
<td class="num">(342)<span></span>
</td>
<td class="num">(304)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(160)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherImpairmentLosses', window );">Other impairment losses</a></td>
<td class="nump">33<span></span>
</td>
<td class="nump">167<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">279<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount', window );">Gross carrying amount loans and advances at amortized cost</a></td>
<td class="num">&#8364; (7,375)<span></span>
</td>
<td class="num">&#8364; (7,158)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (7,284)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></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_BecomingWriteOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Becoming write offs</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_BecomingWriteOffs</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_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 allowances of loans and advances 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_ChangesInAllowancesOfLoansAndAdvancesAtAmortisedCostLineItems</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_NetAnnualOriginationOfAllowances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 annual origination of allowances</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_NetAnnualOriginationOfAllowances</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_OtherImpairmentLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 losses</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_OtherImpairmentLosses</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_TransfersFromStage1ToStage2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers from stage 1 to stage 2</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_TransfersFromStage1ToStage2</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_TransfersFromStage2ToStage1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers from stage 2 to stage 1</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_TransfersFromStage2ToStage1</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_TransfersFromStage3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers from stage 3</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_TransfersFromStage3</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_TransfersOfFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers of 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_TransfersOfFinancialAssets</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_TransfersToStage3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers to stage 3</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_TransfersToStage3</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_ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial assets resulting from other movements. [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/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughOtherMovementsFinancialAssets</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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that are measured in accordance with paragraph 4.1.2 of IFRS 9, before deducting any accumulated credit losses thereon.</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesAtAmortisedCostGrossCarryingAmount</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_NetForeignExchangeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 net loss arising from exchange differences recognised in profit or loss, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Foreign exchange gain (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 21<br> -IssueDate 2024-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2024-03-27<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_NetForeignExchangeLoss</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_bbva_AccountingBalancesAxis=bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AccountingBalancesAxis=bbva_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_StagesAxis=bbva_Stage1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_StagesAxis=bbva_Stage1Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_StagesAxis=bbva_Stage2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_StagesAxis=bbva_Stage2Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_StagesAxis=bbva_Stage3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_StagesAxis=bbva_Stage3Member</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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360514649520">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7 Sensitivity to interest rate and credit spread analysis (Details)<br></strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th" colspan="2"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
</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_bbva_GeographyAxisMarketRiskAxis=currency_EUR', window );">Euro Member Countries, Euro | 100 basis point increase [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[-2.5% , -1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_PercentageImpactOnNetEconomicValueCreditSpread', window );">Percentage impact on net economic value credit spread</a></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=currency_EUR', window );">Euro Member Countries, Euro | 100 basis point decrease [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=currency_MXN', window );">Mexico, Pesos | 100 basis point increase [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_PercentageImpactOnNetEconomicValueCreditSpread', window );">Percentage impact on net economic value credit spread</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=currency_MXN', window );">Mexico, Pesos | 100 basis point decrease [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=currency_USD', window );">United States of America, Dollars | 100 basis point increase [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_PercentageImpactOnNetEconomicValueCreditSpread', window );">Percentage impact on net economic value credit spread</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=currency_USD', window );">United States of America, Dollars | 100 basis point decrease [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=currency_TRY', window );">Turkey, New Lira | 100 basis point increase [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_PercentageImpactOnNetEconomicValueCreditSpread', window );">Percentage impact on net economic value credit spread</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=currency_TRY', window );">Turkey, New Lira | 100 basis point decrease [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=bbva_OtherMember', window );">Other [Member] | 100 basis point increase [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_PercentageImpactOnNetEconomicValueCreditSpread', window );">Percentage impact on net economic value credit spread</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=bbva_OtherMember', window );">Other [Member] | 100 basis point decrease [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-0.5% , 0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=bbva_BbvaGroupMember', window );">Bbva group [Member] | 100 basis point increase [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[1.5% , 2.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[1.5% , 3.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[-3.5% , -2.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_PercentageImpactOnNetEconomicValueCreditSpread', window );">Percentage impact on net economic value credit spread</a></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[-1.5% , -0.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_GeographyAxisMarketRiskAxis=bbva_BbvaGroupMember', window );">Bbva group [Member] | 100 basis point decrease [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_MarketRiskSensitivityAnalysisLineItems', window );"><strong>Market risk sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageImpactOnNetInterestIncome', window );">Percentage impact on net interest income</a></td>
<td class="text">[-3.5% , -2.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">[-3.5% , -1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_PercentageImpactOnNetEconomicValue', window );">Percentage impact on net economic value</a></td>
<td class="text">[2.5% , 3.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="text">[0.5% , 1.5%]<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><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:120%">(1) Percentage of "12 months" net interest income for the BBVA Group.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Percentage of "12 months" net interest income for the BBVA Group.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Percentage of CET1 (Fully Loaded) for BBVA Group.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top">(2) Percentage of CET1 (Fully Loaded) for BBVA Group</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_MarketRiskSensitivityAnalysisLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Market risk sensitivity analysis</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_MarketRiskSensitivityAnalysisLineItems</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_PercentageImpactOnNetEconomicValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage impact on net economic 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_PercentageImpactOnNetEconomicValue</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_PercentageImpactOnNetEconomicValueCreditSpread">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage impact on net economic value credit spread</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_PercentageImpactOnNetEconomicValueCreditSpread</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_PercentageImpactOnNetInterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage impact on net interest 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_PercentageImpactOnNetInterestIncome</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_GeographyAxisMarketRiskAxis=currency_EUR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_GeographyAxisMarketRiskAxis=currency_EUR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BasisPointVariationAxis=bbva_A100BasisPointIncreaseMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BasisPointVariationAxis=bbva_A100BasisPointIncreaseMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BasisPointVariationAxis=bbva_A100BasisPointDecreaseMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BasisPointVariationAxis=bbva_A100BasisPointDecreaseMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyAxisMarketRiskAxis=currency_MXN">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_GeographyAxisMarketRiskAxis=currency_MXN</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyAxisMarketRiskAxis=currency_USD">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_GeographyAxisMarketRiskAxis=currency_USD</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyAxisMarketRiskAxis=currency_TRY">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_GeographyAxisMarketRiskAxis=currency_TRY</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyAxisMarketRiskAxis=bbva_OtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_GeographyAxisMarketRiskAxis=bbva_OtherMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyAxisMarketRiskAxis=bbva_BbvaGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_GeographyAxisMarketRiskAxis=bbva_BbvaGroupMember</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>
</div>
</body>
</html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>159
<FILENAME>R140.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534230432">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7 Sensitivity to one percent of the average rate in the main currencies (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_MainCurrenciesSensitivityAxis=currency_MXN', window );">Mexico, Pesos</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Sensitivity1ForeignCurrencyLineItems', window );"><strong>Sensitivity 1 foreign currency [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityToOnePercentMainCurrencies', window );">Sensitivity to one percent main currencies</a></td>
<td class="nump">&#8364; 27.8<span></span>
</td>
<td class="nump">&#8364; 25.8<span></span>
</td>
<td class="nump">&#8364; 19.1<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_bbva_MainCurrenciesSensitivityAxis=currency_TRY', window );">Turkey, New Lira</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Sensitivity1ForeignCurrencyLineItems', window );"><strong>Sensitivity 1 foreign currency [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityToOnePercentMainCurrencies', window );">Sensitivity to one percent main currencies</a></td>
<td class="nump">3.3<span></span>
</td>
<td class="nump">4.4<span></span>
</td>
<td class="nump">3.5<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_bbva_MainCurrenciesSensitivityAxis=currency_PEN', window );">Peru, Nuevos Soles</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Sensitivity1ForeignCurrencyLineItems', window );"><strong>Sensitivity 1 foreign currency [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityToOnePercentMainCurrencies', window );">Sensitivity to one percent main currencies</a></td>
<td class="nump">1.4<span></span>
</td>
<td class="nump">0.9<span></span>
</td>
<td class="nump">0.7<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_bbva_MainCurrenciesSensitivityAxis=currency_CLP', window );">Chile, Pesos</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Sensitivity1ForeignCurrencyLineItems', window );"><strong>Sensitivity 1 foreign currency [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityToOnePercentMainCurrencies', window );">Sensitivity to one percent main currencies</a></td>
<td class="nump">0.2<span></span>
</td>
<td class="nump">0.2<span></span>
</td>
<td class="nump">0.4<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_bbva_MainCurrenciesSensitivityAxis=currency_COP', window );">Colombia, Pesos</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Sensitivity1ForeignCurrencyLineItems', window );"><strong>Sensitivity 1 foreign currency [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityToOnePercentMainCurrencies', window );">Sensitivity to one percent main currencies</a></td>
<td class="nump">0.4<span></span>
</td>
<td class="nump">1.0<span></span>
</td>
<td class="nump">0.9<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_bbva_MainCurrenciesSensitivityAxis=currency_ARS', window );">Argentina, Pesos</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Sensitivity1ForeignCurrencyLineItems', window );"><strong>Sensitivity 1 foreign currency [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityToOnePercentMainCurrencies', window );">Sensitivity to one percent main currencies</a></td>
<td class="nump">&#8364; 1.8<span></span>
</td>
<td class="nump">&#8364; 1.3<span></span>
</td>
<td class="nump">&#8364; 1.9<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Sensitivity1ForeignCurrencyLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity 1 foreign currency</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_Sensitivity1ForeignCurrencyLineItems</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_SensitivityToOnePercentMainCurrencies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity to one percent main currencies</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_SensitivityToOnePercentMainCurrencies</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_MainCurrenciesSensitivityAxis=currency_MXN">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MainCurrenciesSensitivityAxis=currency_MXN</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MainCurrenciesSensitivityAxis=currency_TRY">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MainCurrenciesSensitivityAxis=currency_TRY</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MainCurrenciesSensitivityAxis=currency_PEN">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MainCurrenciesSensitivityAxis=currency_PEN</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MainCurrenciesSensitivityAxis=currency_CLP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MainCurrenciesSensitivityAxis=currency_CLP</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MainCurrenciesSensitivityAxis=currency_COP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MainCurrenciesSensitivityAxis=currency_COP</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MainCurrenciesSensitivityAxis=currency_ARS">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MainCurrenciesSensitivityAxis=currency_ARS</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>160
<FILENAME>R141.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360565552976">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 7 VaR by Risk factor (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_VaREstimationAxis=bbva_VaRAverageInTheYearMember', window );">VaR average in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 37<span></span>
</td>
<td class="nump">&#8364; 31<span></span>
</td>
<td class="nump">&#8364; 27<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_bbva_VaREstimationAxis=bbva_VaRMaxInTheYearMember', window );">VaR max in the year [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">50<span></span>
</td>
<td class="nump">42<span></span>
</td>
<td class="nump">36<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_bbva_VaREstimationAxis=bbva_VaRMinInTheYearMember', window );">VaR min in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">28<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="nump">19<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_bbva_VaREstimationAxis=bbva_EndOfPeriodVaRMember', window );">End of period VaR [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">34<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="nump">29<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_bbva_VaRByRiskFactorAxis=bbva_InterestSpreadRiskMember', window );">Interest spread risk [Member] | VaR average in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">41<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="nump">33<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_bbva_VaRByRiskFactorAxis=bbva_InterestSpreadRiskMember', window );">Interest spread risk [Member] | VaR max in the year [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">55<span></span>
</td>
<td class="nump">43<span></span>
</td>
<td class="nump">35<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_bbva_VaRByRiskFactorAxis=bbva_InterestSpreadRiskMember', window );">Interest spread risk [Member] | VaR min in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">33<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="nump">25<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_bbva_VaRByRiskFactorAxis=bbva_InterestSpreadRiskMember', window );">Interest spread risk [Member] | End of period VaR [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">37<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="nump">32<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_bbva_VaRByRiskFactorAxis=ifrs-full_CurrencyRiskMember', window );">Currency risk [member] | VaR average in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">7<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">8<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_bbva_VaRByRiskFactorAxis=ifrs-full_CurrencyRiskMember', window );">Currency risk [member] | VaR max in the year [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">10<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">12<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_bbva_VaRByRiskFactorAxis=ifrs-full_CurrencyRiskMember', window );">Currency risk [member] | VaR min in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">7<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">10<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_bbva_VaRByRiskFactorAxis=ifrs-full_CurrencyRiskMember', window );">Currency risk [member] | End of period VaR [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">5<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">13<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_bbva_VaRByRiskFactorAxis=bbva_StockMarketRiskMember', window );">Stock market risk [Member] | VaR average in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">3<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_bbva_VaRByRiskFactorAxis=bbva_StockMarketRiskMember', window );">Stock market risk [Member] | VaR max in the year [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">2<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_bbva_VaRByRiskFactorAxis=bbva_StockMarketRiskMember', window );">Stock market risk [Member] | VaR min in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<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_bbva_VaRByRiskFactorAxis=bbva_StockMarketRiskMember', window );">Stock market risk [Member] | End of period VaR [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">7<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_bbva_VaRByRiskFactorAxis=bbva_VegaCorrelationRiskMember', window );">Vega Correlation risk [Member] | VaR average in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">6<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">7<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_bbva_VaRByRiskFactorAxis=bbva_VegaCorrelationRiskMember', window );">Vega Correlation risk [Member] | VaR max in the year [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">7<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">11<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_bbva_VaRByRiskFactorAxis=bbva_VegaCorrelationRiskMember', window );">Vega Correlation risk [Member] | VaR min in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">6<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">11<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_bbva_VaRByRiskFactorAxis=bbva_VegaCorrelationRiskMember', window );">Vega Correlation risk [Member] | End of period VaR [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">5<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_bbva_VaRByRiskFactorAxis=bbva_DiversificationEffectMember', window );">Diversification effect [Member] | VaR average in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="num">(20)<span></span>
</td>
<td class="num">(22)<span></span>
</td>
<td class="num">(23)<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_bbva_VaRByRiskFactorAxis=bbva_DiversificationEffectMember', window );">Diversification effect [Member] | VaR max in the year [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="num">(23)<span></span>
</td>
<td class="num">(33)<span></span>
</td>
<td class="num">(24)<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_bbva_VaRByRiskFactorAxis=bbva_DiversificationEffectMember', window );">Diversification effect [Member] | VaR min in the year [Member]</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_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="num">(19)<span></span>
</td>
<td class="num">(23)<span></span>
</td>
<td class="num">(28)<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_bbva_VaRByRiskFactorAxis=bbva_DiversificationEffectMember', window );">Diversification effect [Member] | End of period VaR [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactorLineItems', window );"><strong>VaR by risk factor [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_VaRByRiskFactor', window );">VaR by risk factor</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="num">&#8364; (14)<span></span>
</td>
<td class="num">&#8364; (23)<span></span>
</td>
<td class="num">&#8364; (28)<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 maximum and minimum VaR figures show the VaR figures for the day on which said maximum and minimum VaRs occurred in the relevant year, by type of risk.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(2) 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</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_VaRByRiskFactor">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>VaR by risk factor</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_VaRByRiskFactor</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaRByRiskFactorLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>VaR by risk factor</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_VaRByRiskFactorLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<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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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaREstimationAxis=bbva_VaRAverageInTheYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_VaREstimationAxis=bbva_VaRAverageInTheYearMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaREstimationAxis=bbva_VaRMaxInTheYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_VaREstimationAxis=bbva_VaRMaxInTheYearMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaREstimationAxis=bbva_VaRMinInTheYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_VaREstimationAxis=bbva_VaRMinInTheYearMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaREstimationAxis=bbva_EndOfPeriodVaRMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_VaREstimationAxis=bbva_EndOfPeriodVaRMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaRByRiskFactorAxis=bbva_InterestSpreadRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_VaRByRiskFactorAxis=bbva_InterestSpreadRiskMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaRByRiskFactorAxis=ifrs-full_CurrencyRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_VaRByRiskFactorAxis=ifrs-full_CurrencyRiskMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaRByRiskFactorAxis=bbva_StockMarketRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_VaRByRiskFactorAxis=bbva_StockMarketRiskMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaRByRiskFactorAxis=bbva_VegaCorrelationRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_VaRByRiskFactorAxis=bbva_VegaCorrelationRiskMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_VaRByRiskFactorAxis=bbva_DiversificationEffectMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_VaRByRiskFactorAxis=bbva_DiversificationEffectMember</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>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>161
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564724384">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Impact of the stress test (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
</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_bbva_GeographicalImpactOfTheStressTestAxis=srt_EuropeMember', window );">Europe [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_bbva_ImpactOfTheStressTestLineItems', window );"><strong>Impact of the stress test [Line Items]</strong></a></td>
<td class="text">&#160;<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_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">&#8364; (132)<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_bbva_GeographicalImpactOfTheStressTestAxis=country_MX', window );">MEXICO</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_bbva_ImpactOfTheStressTestLineItems', window );"><strong>Impact of the stress test [Line Items]</strong></a></td>
<td class="text">&#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_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">(66)<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_bbva_GeographicalImpactOfTheStressTestAxis=country_PE', window );">PERU</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_bbva_ImpactOfTheStressTestLineItems', window );"><strong>Impact of the stress test [Line Items]</strong></a></td>
<td class="text">&#160;<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_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">(25)<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_bbva_GeographicalImpactOfTheStressTestAxis=country_VE', window );">VENEZUELA</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_bbva_ImpactOfTheStressTestLineItems', window );"><strong>Impact of the stress test [Line Items]</strong></a></td>
<td class="text">&#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_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">0<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_bbva_GeographicalImpactOfTheStressTestAxis=country_AR', window );">ARGENTINA</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_bbva_ImpactOfTheStressTestLineItems', window );"><strong>Impact of the stress test [Line Items]</strong></a></td>
<td class="text">&#160;<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_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">(29)<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_bbva_GeographicalImpactOfTheStressTestAxis=country_CO', window );">COLOMBIA</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_bbva_ImpactOfTheStressTestLineItems', window );"><strong>Impact of the stress test [Line Items]</strong></a></td>
<td class="text">&#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_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">(3)<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_bbva_GeographicalImpactOfTheStressTestAxis=country_TR', window );">TURKEY</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_bbva_ImpactOfTheStressTestLineItems', window );"><strong>Impact of the stress test [Line Items]</strong></a></td>
<td class="text">&#160;<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_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">&#8364; (10)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ExpectedShortfall">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected shortfall</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_ExpectedShortfall</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpactOfTheStressTestLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impact of the stress test</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_ImpactOfTheStressTestLineItems</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographicalImpactOfTheStressTestAxis=srt_EuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_GeographicalImpactOfTheStressTestAxis=srt_EuropeMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographicalImpactOfTheStressTestAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_GeographicalImpactOfTheStressTestAxis=country_MX</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></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographicalImpactOfTheStressTestAxis=country_PE">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_GeographicalImpactOfTheStressTestAxis=country_PE</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographicalImpactOfTheStressTestAxis=country_VE">
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<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;">bbva_GeographicalImpactOfTheStressTestAxis=country_VE</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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></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_bbva_GeographicalImpactOfTheStressTestAxis=country_AR">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographicalImpactOfTheStressTestAxis=country_AR</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>
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<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographicalImpactOfTheStressTestAxis=country_CO">
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<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;">bbva_GeographicalImpactOfTheStressTestAxis=country_CO</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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr>
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<td style="white-space:nowrap;">bbva_GeographicalImpactOfTheStressTestAxis=country_TR</td>
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<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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535246400">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 7 Effect offsetting for derivatives and securities operation (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_ConceptAxis=ifrs-full_ClassesOfAssetsDomain', window );">Classes of assets [Domain]</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_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems', window );"><strong>Effect of offsetting for derivatives and securities operation [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 110,924<span></span>
</td>
<td class="nump">&#8364; 124,869<span></span>
</td>
<td class="nump">&#8364; 99,465<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_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial assets set off against financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">27,759<span></span>
</td>
<td class="nump">8,866<span></span>
</td>
<td class="nump">10,554<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_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">83,165<span></span>
</td>
<td class="nump">116,003<span></span>
</td>
<td class="nump">88,911<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_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Financial instruments gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">73,405<span></span>
</td>
<td class="nump">105,151<span></span>
</td>
<td class="nump">78,088<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_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Cash collateral received pledged gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,566<span></span>
</td>
<td class="nump">9,532<span></span>
</td>
<td class="nump">9,824<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_NetAmount', window );">Net amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">194<span></span>
</td>
<td class="nump">1,320<span></span>
</td>
<td class="nump">998<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_bbva_ConceptAxis=ifrs-full_ClassesOfLiabilitiesDomain', window );">Classes of liabilities [domain]</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_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems', window );"><strong>Effect of offsetting for derivatives and securities operation [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">131,818<span></span>
</td>
<td class="nump">149,456<span></span>
</td>
<td class="nump">106,149<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_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial liabilities set off against financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">27,759<span></span>
</td>
<td class="nump">8,866<span></span>
</td>
<td class="nump">10,554<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_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">104,059<span></span>
</td>
<td class="nump">140,590<span></span>
</td>
<td class="nump">95,594<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_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Financial instruments gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">95,943<span></span>
</td>
<td class="nump">132,274<span></span>
</td>
<td class="nump">83,729<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_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Cash collateral received pledged gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,658<span></span>
</td>
<td class="nump">7,013<span></span>
</td>
<td class="nump">9,576<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_NetAmount', window );">Net amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">458<span></span>
</td>
<td class="nump">1,303<span></span>
</td>
<td class="nump">2,290<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_bbva_DerivativesAndSecuritiesAxis=ifrs-full_DerivativesMember', window );">Derivatives [member] | Classes of assets [Domain]</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_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems', window );"><strong>Effect of offsetting for derivatives and securities operation [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">45,523<span></span>
</td>
<td class="nump">44,641<span></span>
</td>
<td class="nump">52,354<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_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial assets set off against financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,362<span></span>
</td>
<td class="nump">8,866<span></span>
</td>
<td class="nump">10,554<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_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">37,161<span></span>
</td>
<td class="nump">35,775<span></span>
</td>
<td class="nump">41,800<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_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Financial instruments gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">27,446<span></span>
</td>
<td class="nump">25,171<span></span>
</td>
<td class="nump">31,019<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_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Cash collateral received pledged gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,566<span></span>
</td>
<td class="nump">9,532<span></span>
</td>
<td class="nump">9,824<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_NetAmount', window );">Net amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">148<span></span>
</td>
<td class="nump">1,072<span></span>
</td>
<td class="nump">957<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_bbva_DerivativesAndSecuritiesAxis=ifrs-full_DerivativesMember', window );">Derivatives [member] | Classes of liabilities [domain]</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_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems', window );"><strong>Effect of offsetting for derivatives and securities operation [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">43,924<span></span>
</td>
<td class="nump">44,536<span></span>
</td>
<td class="nump">51,767<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_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial liabilities set off against financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,362<span></span>
</td>
<td class="nump">8,866<span></span>
</td>
<td class="nump">10,554<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_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">35,562<span></span>
</td>
<td class="nump">35,670<span></span>
</td>
<td class="nump">41,213<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_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Financial instruments gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">27,446<span></span>
</td>
<td class="nump">27,354<span></span>
</td>
<td class="nump">31,028<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_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Cash collateral received pledged gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,658<span></span>
</td>
<td class="nump">7,013<span></span>
</td>
<td class="nump">8,990<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_NetAmount', window );">Net amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">458<span></span>
</td>
<td class="nump">1,303<span></span>
</td>
<td class="nump">1,195<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_bbva_DerivativesAndSecuritiesAxis=bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember', window );">Reverse repurchase securities borrowing and similar agreements [Member] | Classes of assets [Domain]</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_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems', window );"><strong>Effect of offsetting for derivatives and securities operation [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">65,401<span></span>
</td>
<td class="nump">80,227<span></span>
</td>
<td class="nump">47,111<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_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial assets set off against financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,397<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_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">46,005<span></span>
</td>
<td class="nump">80,227<span></span>
</td>
<td class="nump">47,111<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_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Financial instruments gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">45,959<span></span>
</td>
<td class="nump">79,980<span></span>
</td>
<td class="nump">47,069<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_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Cash collateral received pledged gross amount not offset in the consolidated balance sheets</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_NetAmount', window );">Net amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">46<span></span>
</td>
<td class="nump">248<span></span>
</td>
<td class="nump">41<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_bbva_DerivativesAndSecuritiesAxis=bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember', window );">Repurchase securities lending and similar agreements [Member] | Classes of liabilities [domain]</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_bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems', window );"><strong>Effect of offsetting for derivatives and securities operation [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">87,893<span></span>
</td>
<td class="nump">104,920<span></span>
</td>
<td class="nump">54,382<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_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross financial liabilities set off against financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,397<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_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">68,497<span></span>
</td>
<td class="nump">104,920<span></span>
</td>
<td class="nump">54,382<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_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Financial instruments gross amount not offset in the consolidated balance sheets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">68,497<span></span>
</td>
<td class="nump">104,920<span></span>
</td>
<td class="nump">52,701<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_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets', window );">Cash collateral received pledged gross amount not offset in the consolidated balance sheets</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">586<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_NetAmount', window );">Net amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 1,095<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) It corresponds to the aggregation of the net amounts presented in the balance sheet, less the gross amount which is not offset in the balance sheet, corresponding to each Group entity that records a deficit in this regard</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_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 collateral received pledged gross amount not offset in the consolidated balance sheets</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_CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets</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_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effect of offsetting for derivatives and securities operation</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_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems</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_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 instruments gross amount not offset in the consolidated balance sheets</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_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets</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_NetAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 amount</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_NetAmount</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_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 set off against financial liabilities when an entity: (a) currently has a legally enforceable right to set off the recognised amounts; and (b) intends either to settle on a net basis, or to realise the asset and settle the liability simultaneously. [Refer: 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 2024-01-01<br> -Paragraph 13C<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_13C_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</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_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 gross amount of recognised financial assets that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement. [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 2024-01-01<br> -Paragraph 13C<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_13C_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</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_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 set off against financial assets when an entity: (a) currently has a legally enforceable right to set off the recognised amounts; and (b) intends either to settle on a net basis or to realise the asset and settle the liability simultaneously. [Refer: 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 2024-01-01<br> -Paragraph 13C<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_13C_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</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_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 gross amount of recognised financial liabilities that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement. [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 2024-01-01<br> -Paragraph 13C<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_13C_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</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_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 net amount of financial assets that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement, presented in the statement of financial position. [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 2024-01-01<br> -Paragraph 13C<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_13C_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition</td>
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<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>instant</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of financial liabilities that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement, presented in the statement of financial position. [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 2024-01-01<br> -Paragraph 13C<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_13C_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Name:</strong></td>
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<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;">bbva_ConceptAxis=ifrs-full_ClassesOfLiabilitiesDomain</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<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;">bbva_DerivativesAndSecuritiesAxis=ifrs-full_DerivativesMember</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>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<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;">bbva_DerivativesAndSecuritiesAxis=bbva_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember</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>
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<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;">bbva_DerivativesAndSecuritiesAxis=bbva_RepurchaseSecuritiesLendingAndSimilarAgreementsMember</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360521826528">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7 LtSCD by LMU (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_LtSCDByLMULineItems', window );"><strong>LtSCD by LMU [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageLtSCDByLMU', window );">Average LtSCD by LMU</a></td>
<td class="nump">102.00%<span></span>
</td>
<td class="nump">99.00%<span></span>
</td>
<td class="nump">96.00%<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_bbva_LtSCDByLMUAxis=bbva_BBVASAMember', window );">BBVA SA [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LtSCDByLMULineItems', window );"><strong>LtSCD by LMU [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageLtSCDByLMU', window );">Average LtSCD by LMU</a></td>
<td class="nump">101.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">98.00%<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_bbva_LtSCDByLMUAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LtSCDByLMULineItems', window );"><strong>LtSCD by LMU [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageLtSCDByLMU', window );">Average LtSCD by LMU</a></td>
<td class="nump">115.00%<span></span>
</td>
<td class="nump">102.00%<span></span>
</td>
<td class="nump">98.00%<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_bbva_LtSCDByLMUAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LtSCDByLMULineItems', window );"><strong>LtSCD by LMU [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageLtSCDByLMU', window );">Average LtSCD by LMU</a></td>
<td class="nump">90.00%<span></span>
</td>
<td class="nump">78.00%<span></span>
</td>
<td class="nump">83.00%<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_bbva_LtSCDByLMUAxis=bbva_OtherLMUMember', window );">Other LMU [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LtSCDByLMULineItems', window );"><strong>LtSCD by LMU [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageLtSCDByLMU', window );">Average LtSCD by LMU</a></td>
<td class="nump">99.00%<span></span>
</td>
<td class="nump">104.00%<span></span>
</td>
<td class="nump">96.00%<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Average LtSCD by LMU</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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>LtSCD by LMU</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_LtSCDByLMULineItems</td>
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<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;">bbva_LtSCDByLMUAxis=bbva_BBVASAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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;">bbva_LtSCDByLMUAxis=bbva_BBVAMexicoMember</td>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LtSCDByLMUAxis=bbva_GarantiBBVAGroupMember</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>
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<tr>
<td><strong> Balance Type:</strong></td>
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<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;">bbva_LtSCDByLMUAxis=bbva_OtherLMUMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>164
<FILENAME>R145.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534609696">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 LCR main LMU (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_LCRMainLMULineItems', window );"><strong>LCR main LMU [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageLCRMainLMU', window );">Average LCR main LMU</a></td>
<td class="nump">134.00%<span></span>
</td>
<td class="nump">149.00%<span></span>
</td>
<td class="nump">159.00%<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_bbva_LCRMainLMUAxis=bbva_BBVASAMember', window );">BBVA SA [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LCRMainLMULineItems', window );"><strong>LCR main LMU [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageLCRMainLMU', window );">Average LCR main LMU</a></td>
<td class="nump">156.00%<span></span>
</td>
<td class="nump">178.00%<span></span>
</td>
<td class="nump">186.00%<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_bbva_LCRMainLMUAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LCRMainLMULineItems', window );"><strong>LCR main LMU [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageLCRMainLMU', window );">Average LCR main LMU</a></td>
<td class="nump">146.00%<span></span>
</td>
<td class="nump">192.00%<span></span>
</td>
<td class="nump">199.00%<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_bbva_LCRMainLMUAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LCRMainLMULineItems', window );"><strong>LCR main LMU [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageLCRMainLMU', window );">Average LCR main LMU</a></td>
<td class="nump">141.00%<span></span>
</td>
<td class="nump">212.00%<span></span>
</td>
<td class="nump">185.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Average LCR main LMU</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_AverageLCRMainLMU</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</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_bbva_LCRMainLMULineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>LCR main LMU</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_LCRMainLMULineItems</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_LCRMainLMUAxis=bbva_BBVASAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LCRMainLMUAxis=bbva_BBVASAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LCRMainLMUAxis=bbva_BBVAMexicoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LCRMainLMUAxis=bbva_BBVAMexicoMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LCRMainLMUAxis=bbva_GarantiBBVAGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LCRMainLMUAxis=bbva_GarantiBBVAGroupMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>165
<FILENAME>R146.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561281744">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Liquidity available by instrument (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVASAMember', window );">BBVA SA [Member] | Cash and withdrawable central bank reserves [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">&#8364; 16,004<span></span>
</td>
<td class="nump">&#8364; 43,931<span></span>
</td>
<td class="nump">&#8364; 48,271<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVASAMember', window );">BBVA SA [Member] | Level 1 tradable assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">50,199<span></span>
</td>
<td class="nump">31,606<span></span>
</td>
<td class="nump">33,081<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVASAMember', window );">BBVA SA [Member] | Level 2A tradable assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">194<span></span>
</td>
<td class="nump">919<span></span>
</td>
<td class="nump">3,450<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVASAMember', window );">BBVA SA [Member] | Level 2B tradable assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">3,762<span></span>
</td>
<td class="nump">2,916<span></span>
</td>
<td class="nump">3,471<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVASAMember', window );">BBVA SA [Member] | Other tradable assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">46,537<span></span>
</td>
<td class="nump">44,324<span></span>
</td>
<td class="nump">22,708<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVASAMember', window );">BBVA SA [Member] | Non tradable assets eligible for central banks [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVASAMember', window );">BBVA SA [Member] | Cumulated counterbalancing capacity [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">116,706<span></span>
</td>
<td class="nump">123,696<span></span>
</td>
<td class="nump">110,981<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member] | Cash and withdrawable central bank reserves [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">12,001<span></span>
</td>
<td class="nump">9,712<span></span>
</td>
<td class="nump">12,865<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member] | Level 1 tradable assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">8,783<span></span>
</td>
<td class="nump">20,345<span></span>
</td>
<td class="nump">13,974<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member] | Level 2A tradable assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">327<span></span>
</td>
<td class="nump">246<span></span>
</td>
<td class="nump">47<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member] | Level 2B tradable assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">159<span></span>
</td>
<td class="nump">132<span></span>
</td>
<td class="nump">35<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member] | Other tradable assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">598<span></span>
</td>
<td class="nump">469<span></span>
</td>
<td class="nump">467<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member] | Non tradable assets eligible for central banks [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member] | Cumulated counterbalancing capacity [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">21,869<span></span>
</td>
<td class="nump">30,903<span></span>
</td>
<td class="nump">27,388<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member] | Cash and withdrawable central bank reserves [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">10,344<span></span>
</td>
<td class="nump">9,899<span></span>
</td>
<td class="nump">6,731<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member] | Level 1 tradable assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">6,402<span></span>
</td>
<td class="nump">6,117<span></span>
</td>
<td class="nump">9,165<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member] | Level 2A tradable assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member] | Level 2B tradable assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member] | Other tradable assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">816<span></span>
</td>
<td class="nump">398<span></span>
</td>
<td class="nump">285<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member] | Non tradable assets eligible for central banks [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member] | Cumulated counterbalancing capacity [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">17,562<span></span>
</td>
<td class="nump">16,414<span></span>
</td>
<td class="nump">16,181<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_OtherLMUMember', window );">Other LMU [Member] | Cash and withdrawable central bank reserves [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">8,101<span></span>
</td>
<td class="nump">5,921<span></span>
</td>
<td class="nump">5,265<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_OtherLMUMember', window );">Other LMU [Member] | Level 1 tradable assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">8,749<span></span>
</td>
<td class="nump">8,429<span></span>
</td>
<td class="nump">7,836<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_OtherLMUMember', window );">Other LMU [Member] | Level 2A tradable assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_OtherLMUMember', window );">Other LMU [Member] | Level 2B tradable assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">31<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_OtherLMUMember', window );">Other LMU [Member] | Other tradable assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">926<span></span>
</td>
<td class="nump">753<span></span>
</td>
<td class="nump">1,035<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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_OtherLMUMember', window );">Other LMU [Member] | Non tradable assets eligible for central banks [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_OtherLMUMember', window );">Other LMU [Member] | Cumulated counterbalancing capacity [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of financial assets held for managing liquidity risk [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk', window );">Financial assets held for managing liquidity risk</a></td>
<td class="nump">&#8364; 17,806<span></span>
</td>
<td class="nump">&#8364; 15,102<span></span>
</td>
<td class="nump">&#8364; 14,136<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of financial assets held for managing liquidity 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_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsHeldForManagingLiquidityRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held for managing liquidity risk (for example, financial assets that are readily saleable or expected to generate cash inflows to meet cash outflows on financial liabilities). [Refer: Liquidity risk [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 2024-01-01<br> -Paragraph B11E<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B11E&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<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_FinancialAssetsHeldForManagingLiquidityRisk</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>
</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>
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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;">bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVASAMember</td>
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<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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></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_bbva_LiquidityAvailableByInstrumentsAxis=bbva_CashAndWithdrawableCentralBankReservesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LiquidityAvailableByInstrumentsAxis=bbva_CashAndWithdrawableCentralBankReservesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LiquidityAvailableByInstrumentsAxis=bbva_Level1TradableAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LiquidityAvailableByInstrumentsAxis=bbva_Level1TradableAssetsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LiquidityAvailableByInstrumentsAxis=bbva_Level2ATradableAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LiquidityAvailableByInstrumentsAxis=bbva_Level2ATradableAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LiquidityAvailableByInstrumentsAxis=bbva_Level2BTradableAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LiquidityAvailableByInstrumentsAxis=bbva_Level2BTradableAssetsMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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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;">bbva_LiquidityAvailableByInstrumentsAxis=bbva_OtherTradableAssetsMember</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>
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</table></div>
</div></td></tr>
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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;">bbva_LiquidityAvailableByInstrumentsAxis=bbva_NonTradableAssetsEligibleForCentralBanksMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LiquidityAvailableByInstrumentsAxis=bbva_CumulatedCounterbalancingCapacityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LiquidityAvailableByInstrumentsAxis=bbva_CumulatedCounterbalancingCapacityMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVAMexicoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_BBVAMexicoMember</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>
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<td></td>
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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_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_GarantiBBVAGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_GarantiBBVAGroupMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_OtherLMUMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis=bbva_OtherLMUMember</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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</div></td></tr>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>166
<FILENAME>R147.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537832864">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 NSFR main LMU (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_NSFRMainLMULineItems', window );"><strong>NSFR main LMU [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageNSFRMainLMU', window );">Average NSFR main LMU</a></td>
<td class="nump">127.00%<span></span>
</td>
<td class="nump">131.00%<span></span>
</td>
<td class="nump">135.00%<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_bbva_NSFRMainLMUAxis=bbva_BBVASAMember', window );">BBVA SA [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NSFRMainLMULineItems', window );"><strong>NSFR main LMU [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageNSFRMainLMU', window );">Average NSFR main LMU</a></td>
<td class="nump">119.00%<span></span>
</td>
<td class="nump">120.00%<span></span>
</td>
<td class="nump">125.00%<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_bbva_NSFRMainLMUAxis=bbva_BBVAMexicoMember', window );">BBVA Mexico [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NSFRMainLMULineItems', window );"><strong>NSFR main LMU [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageNSFRMainLMU', window );">Average NSFR main LMU</a></td>
<td class="nump">131.00%<span></span>
</td>
<td class="nump">140.00%<span></span>
</td>
<td class="nump">143.00%<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_bbva_NSFRMainLMUAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NSFRMainLMULineItems', window );"><strong>NSFR main LMU [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AverageNSFRMainLMU', window );">Average NSFR main LMU</a></td>
<td class="nump">149.00%<span></span>
</td>
<td class="nump">178.00%<span></span>
</td>
<td class="nump">166.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Average NSFR main LMU</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_AverageNSFRMainLMU</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</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_bbva_NSFRMainLMULineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>NSFR main LMU</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_NSFRMainLMULineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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_NSFRMainLMUAxis=bbva_BBVASAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NSFRMainLMUAxis=bbva_BBVASAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NSFRMainLMUAxis=bbva_BBVAMexicoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NSFRMainLMUAxis=bbva_BBVAMexicoMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NSFRMainLMUAxis=bbva_GarantiBBVAGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NSFRMainLMUAxis=bbva_GarantiBBVAGroupMember</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>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>167
<FILENAME>R148.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360560917312">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Residual maturities by contractual periods (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">&#8364; 11,125<span></span>
</td>
<td class="nump">&#8364; 10,353<span></span>
</td>
<td class="nump">&#8364; 9,227<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_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">3<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_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">99<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_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">2,600<span></span>
</td>
<td class="nump">2,092<span></span>
</td>
<td class="nump">2,176<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_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">6,950<span></span>
</td>
<td class="nump">8,507<span></span>
</td>
<td class="nump">7,392<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_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">318,252<span></span>
</td>
<td class="nump">304,096<span></span>
</td>
<td class="nump">302,667<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_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand [Member] | Derivatives net [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">38,087<span></span>
</td>
<td class="nump">61,678<span></span>
</td>
<td class="nump">66,497<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">5,246<span></span>
</td>
<td class="nump">4,676<span></span>
</td>
<td class="nump">3,870<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">2,677<span></span>
</td>
<td class="nump">1,288<span></span>
</td>
<td class="nump">2,199<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">34,310<span></span>
</td>
<td class="nump">42,407<span></span>
</td>
<td class="nump">31,049<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">34,605<span></span>
</td>
<td class="nump">28,644<span></span>
</td>
<td class="nump">24,622<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">2,861<span></span>
</td>
<td class="nump">2,167<span></span>
</td>
<td class="nump">4,031<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">2,484<span></span>
</td>
<td class="nump">1,187<span></span>
</td>
<td class="nump">1,841<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">6,070<span></span>
</td>
<td class="nump">3,669<span></span>
</td>
<td class="nump">7,885<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">9,247<span></span>
</td>
<td class="nump">5,526<span></span>
</td>
<td class="nump">5,760<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">50,789<span></span>
</td>
<td class="nump">44,745<span></span>
</td>
<td class="nump">38,951<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">74,614<span></span>
</td>
<td class="nump">86,908<span></span>
</td>
<td class="nump">51,638<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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Not later than one month [member] | Derivatives net [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="num">(388)<span></span>
</td>
<td class="num">(21)<span></span>
</td>
<td class="num">(253)<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</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_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">541<span></span>
</td>
<td class="nump">393<span></span>
</td>
<td class="nump">319<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">1,642<span></span>
</td>
<td class="nump">1,261<span></span>
</td>
<td class="nump">1,012<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">10,594<span></span>
</td>
<td class="nump">21,683<span></span>
</td>
<td class="nump">5,743<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">38,547<span></span>
</td>
<td class="nump">30,850<span></span>
</td>
<td class="nump">32,009<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">2,741<span></span>
</td>
<td class="nump">6,011<span></span>
</td>
<td class="nump">4,107<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">4,816<span></span>
</td>
<td class="nump">3,889<span></span>
</td>
<td class="nump">4,434<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">476<span></span>
</td>
<td class="nump">1,076<span></span>
</td>
<td class="nump">628<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">2,466<span></span>
</td>
<td class="nump">2,806<span></span>
</td>
<td class="nump">1,465<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">23,758<span></span>
</td>
<td class="nump">16,225<span></span>
</td>
<td class="nump">18,542<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">14,093<span></span>
</td>
<td class="nump">30,028<span></span>
</td>
<td class="nump">14,543<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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">Later than one month and not later than three months [member] | Derivatives net [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="num">(73)<span></span>
</td>
<td class="num">(30)<span></span>
</td>
<td class="nump">24<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">1,165<span></span>
</td>
<td class="nump">543<span></span>
</td>
<td class="nump">433<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">970<span></span>
</td>
<td class="nump">1,049<span></span>
</td>
<td class="nump">746<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">5,025<span></span>
</td>
<td class="nump">6,890<span></span>
</td>
<td class="nump">3,368<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">29,770<span></span>
</td>
<td class="nump">28,239<span></span>
</td>
<td class="nump">25,622<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">6,084<span></span>
</td>
<td class="nump">2,633<span></span>
</td>
<td class="nump">8,200<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">5,536<span></span>
</td>
<td class="nump">8,518<span></span>
</td>
<td class="nump">1,050<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">644<span></span>
</td>
<td class="nump">715<span></span>
</td>
<td class="nump">806<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">1,584<span></span>
</td>
<td class="nump">1,036<span></span>
</td>
<td class="nump">464<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">11,580<span></span>
</td>
<td class="nump">11,855<span></span>
</td>
<td class="nump">6,776<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">5,452<span></span>
</td>
<td class="nump">6,107<span></span>
</td>
<td class="nump">17,736<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_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember', window );">Later than three months and not later than six months [member] | Derivatives net [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="num">(142)<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="num">(1,010)<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">647<span></span>
</td>
<td class="nump">594<span></span>
</td>
<td class="nump">434<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">929<span></span>
</td>
<td class="nump">385<span></span>
</td>
<td class="nump">516<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">1,911<span></span>
</td>
<td class="nump">3,398<span></span>
</td>
<td class="nump">1,432<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">16,928<span></span>
</td>
<td class="nump">16,434<span></span>
</td>
<td class="nump">14,827<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">2,531<span></span>
</td>
<td class="nump">2,578<span></span>
</td>
<td class="nump">4,305<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">3,347<span></span>
</td>
<td class="nump">4,935<span></span>
</td>
<td class="nump">3,148<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">130<span></span>
</td>
<td class="nump">119<span></span>
</td>
<td class="nump">56<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">922<span></span>
</td>
<td class="nump">834<span></span>
</td>
<td class="nump">379<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">3,888<span></span>
</td>
<td class="nump">3,905<span></span>
</td>
<td class="nump">2,575<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">2,355<span></span>
</td>
<td class="nump">2,274<span></span>
</td>
<td class="nump">866<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_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember', window );">Later than six months and not later than nine months [Member] | Derivatives net [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">70<span></span>
</td>
<td class="num">(62)<span></span>
</td>
<td class="num">(23)<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">918<span></span>
</td>
<td class="nump">602<span></span>
</td>
<td class="nump">468<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">1,130<span></span>
</td>
<td class="nump">649<span></span>
</td>
<td class="nump">344<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">3,138<span></span>
</td>
<td class="nump">2,596<span></span>
</td>
<td class="nump">1,127<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">19,715<span></span>
</td>
<td class="nump">19,029<span></span>
</td>
<td class="nump">16,766<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">5,922<span></span>
</td>
<td class="nump">11,950<span></span>
</td>
<td class="nump">4,746<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">3,685<span></span>
</td>
<td class="nump">4,225<span></span>
</td>
<td class="nump">2,017<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">732<span></span>
</td>
<td class="nump">605<span></span>
</td>
<td class="nump">694<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">503<span></span>
</td>
<td class="nump">841<span></span>
</td>
<td class="nump">758<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">4,329<span></span>
</td>
<td class="nump">5,500<span></span>
</td>
<td class="nump">2,870<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">4,157<span></span>
</td>
<td class="nump">1,821<span></span>
</td>
<td class="nump">1,503<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_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember', window );">Later than nine months and not later than one year [Member] | Derivatives net [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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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_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">142<span></span>
</td>
<td class="num">(267)<span></span>
</td>
<td class="nump">175<span></span>
</td>
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<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Deposits in credit entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">861<span></span>
</td>
<td class="nump">602<span></span>
</td>
<td class="nump">242<span></span>
</td>
</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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">1,577<span></span>
</td>
<td class="nump">2,019<span></span>
</td>
<td class="nump">971<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">5,782<span></span>
</td>
<td class="nump">3,319<span></span>
</td>
<td class="nump">4,582<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">44,537<span></span>
</td>
<td class="nump">41,267<span></span>
</td>
<td class="nump">41,049<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">20,625<span></span>
</td>
<td class="nump">15,266<span></span>
</td>
<td class="nump">18,417<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">8,517<span></span>
</td>
<td class="nump">10,296<span></span>
</td>
<td class="nump">6,318<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">558<span></span>
</td>
<td class="nump">795<span></span>
</td>
<td class="nump">648<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">1,256<span></span>
</td>
<td class="nump">1,033<span></span>
</td>
<td class="nump">700<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">2,055<span></span>
</td>
<td class="nump">1,753<span></span>
</td>
<td class="nump">1,476<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">2,223<span></span>
</td>
<td class="nump">2,630<span></span>
</td>
<td class="nump">8,136<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_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | Derivatives net [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">549<span></span>
</td>
<td class="nump">69<span></span>
</td>
<td class="nump">40<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">351<span></span>
</td>
<td class="nump">136<span></span>
</td>
<td class="nump">183<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">1,526<span></span>
</td>
<td class="nump">965<span></span>
</td>
<td class="nump">816<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">3,675<span></span>
</td>
<td class="nump">3,817<span></span>
</td>
<td class="nump">1,354<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">34,618<span></span>
</td>
<td class="nump">32,769<span></span>
</td>
<td class="nump">32,510<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">20,053<span></span>
</td>
<td class="nump">14,016<span></span>
</td>
<td class="nump">8,744<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">11,386<span></span>
</td>
<td class="nump">7,990<span></span>
</td>
<td class="nump">9,423<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">242<span></span>
</td>
<td class="nump">46<span></span>
</td>
<td class="nump">211<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">477<span></span>
</td>
<td class="nump">618<span></span>
</td>
<td class="nump">293<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">569<span></span>
</td>
<td class="nump">1,029<span></span>
</td>
<td class="nump">1,276<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">366<span></span>
</td>
<td class="nump">1,111<span></span>
</td>
<td class="nump">1,524<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_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | Derivatives net [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="num">(122)<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="num">(153)<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">33<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="nump">6<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">1,369<span></span>
</td>
<td class="nump">974<span></span>
</td>
<td class="nump">551<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">3,008<span></span>
</td>
<td class="nump">2,133<span></span>
</td>
<td class="nump">2,400<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">51,469<span></span>
</td>
<td class="nump">45,116<span></span>
</td>
<td class="nump">43,828<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">21,972<span></span>
</td>
<td class="nump">29,245<span></span>
</td>
<td class="nump">23,307<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">7,530<span></span>
</td>
<td class="nump">11,175<span></span>
</td>
<td class="nump">13,282<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">570<span></span>
</td>
<td class="nump">198<span></span>
</td>
<td class="nump">396<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">433<span></span>
</td>
<td class="nump">695<span></span>
</td>
<td class="nump">594<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Customer deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</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_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">834<span></span>
</td>
<td class="nump">758<span></span>
</td>
<td class="nump">798<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">1,454<span></span>
</td>
<td class="nump">2,060<span></span>
</td>
<td class="nump">3,493<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_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member] | Derivatives net [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</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_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">5<span></span>
</td>
<td class="num">(135)<span></span>
</td>
<td class="num">(466)<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">41<span></span>
</td>
<td class="nump">102<span></span>
</td>
<td class="nump">83<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">681<span></span>
</td>
<td class="nump">1,291<span></span>
</td>
<td class="nump">830<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">122<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td class="nump">289<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">105,649<span></span>
</td>
<td class="nump">104,086<span></span>
</td>
<td class="nump">96,201<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">44,850<span></span>
</td>
<td class="nump">34,558<span></span>
</td>
<td class="nump">31,480<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">28,306<span></span>
</td>
<td class="nump">22,424<span></span>
</td>
<td class="nump">18,145<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">743<span></span>
</td>
<td class="nump">695<span></span>
</td>
<td class="nump">399<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">742<span></span>
</td>
<td class="nump">638<span></span>
</td>
<td class="nump">727<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">787<span></span>
</td>
<td class="nump">1,092<span></span>
</td>
<td class="nump">273<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">445<span></span>
</td>
<td class="nump">677<span></span>
</td>
<td class="nump">575<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_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Derivatives net [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="num">(87)<span></span>
</td>
<td class="num">(2,616)<span></span>
</td>
<td class="num">(3,717)<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Cash cash balances at central banks and other demand deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">49,212<span></span>
</td>
<td class="nump">72,031<span></span>
</td>
<td class="nump">75,724<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Deposits in credit entities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">9,805<span></span>
</td>
<td class="nump">7,672<span></span>
</td>
<td class="nump">6,040<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Deposits in other financial institutions [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">12,502<span></span>
</td>
<td class="nump">9,882<span></span>
</td>
<td class="nump">7,988<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Reverse repo securities borrowing and margin lending [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">67,565<span></span>
</td>
<td class="nump">86,382<span></span>
</td>
<td class="nump">51,343<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | loans and advances [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">375,837<span></span>
</td>
<td class="nump">346,433<span></span>
</td>
<td class="nump">327,534<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Securities portfolio settlement [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLiquidityRisk', window );">Financial assets liquidity risk</a></td>
<td class="nump">127,640<span></span>
</td>
<td class="nump">118,424<span></span>
</td>
<td class="nump">107,338<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Wholesale funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">75,608<span></span>
</td>
<td class="nump">74,639<span></span>
</td>
<td class="nump">59,658<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Deposits in financial institutions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">12,765<span></span>
</td>
<td class="nump">10,011<span></span>
</td>
<td class="nump">13,899<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Deposits in other financial institutions and international agencies [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">24,581<span></span>
</td>
<td class="nump">22,535<span></span>
</td>
<td class="nump">18,532<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Customer deposits [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">416,841<span></span>
</td>
<td class="nump">390,959<span></span>
</td>
<td class="nump">376,203<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Security pledge funding [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="nump">105,159<span></span>
</td>
<td class="nump">133,615<span></span>
</td>
<td class="nump">100,013<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_MaturityAxis=bbva_TotalMember', window );">Total [Member] | Derivatives net [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial instruments held for managing liquidity risk [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesLiquidityRisk', window );">Financial liabilities liquidity risk</a></td>
<td class="num">&#8364; (46)<span></span>
</td>
<td class="num">&#8364; (3,009)<span></span>
</td>
<td class="num">&#8364; (5,383)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of maturity analysis for financial instruments held for managing liquidity 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_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems</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_FinancialAssetsLiquidityRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 liquidity 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_FinancialAssetsLiquidityRisk</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_FinancialLiabilitiesLiquidityRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 liquidity 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_FinancialLiabilitiesLiquidityRisk</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_MaturityAxis=ifrs-full_OnDemandMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_MaturityAxis=ifrs-full_OnDemandMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_DepositsInCreditEntitiesMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_DepositsInCreditEntitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</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>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_DepositsInOtherFinancialInstitutionsMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_DepositsInOtherFinancialInstitutionsMember</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>na</td>
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<td><strong> Balance Type:</strong></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_bbva_ResidualMaturitiesInstrumentsAxis=bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_ReverseRepoSecuritiesBorrowingAndMarginLendingMember</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>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_LoansAndAdvancesMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_LoansAndAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_SecuritiesPortfolioSettlementMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_SecuritiesPortfolioSettlementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</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>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_WholesaleFundingMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_WholesaleFundingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</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>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_DepositsInFinancialInstitutionsMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_DepositsInFinancialInstitutionsMember</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>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_DepositsInOtherFinancialInstitutionsAndInternationalAgenciesMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_DepositsInOtherFinancialInstitutionsAndInternationalAgenciesMember</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>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_CustomerDepositsMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_CustomerDepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_SecurityPledgeFundingMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_SecurityPledgeFundingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</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>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ResidualMaturitiesInstrumentsAxis=bbva_DerivativesNetMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ResidualMaturitiesInstrumentsAxis=bbva_DerivativesNetMember</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>
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</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_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</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_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanSixMonthsMember</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>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=bbva_LaterThanSixMonthsAndNotLaterThanNineMonthsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember</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>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=bbva_TotalMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>168
<FILENAME>R149.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570358016">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Wholesale financing transactions carried out by group operations (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
</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_bbva_DateOfIssueAxis=bbva_Jan24Member', window );">Jan-24 [Member] | 3.875% [Member] | Jan-34 [Member] | Euro Member Countries, Euro</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_bbva_TypeOfIssueLineItems', window );"><strong>Type of Issue [Line Items]</strong></a></td>
<td class="text">&#160;<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_SeniorPreferred', window );">Senior preferred</a></td>
<td class="nump">&#8364; 1,250<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_bbva_DateOfIssueAxis=bbva_Feb24Member', window );">Feb-24 [Member] | 4.875% [Member] | Nov-30 to Feb-31 [Member] | Feb-36 [Member] | Euro Member Countries, Euro</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_bbva_TypeOfIssueLineItems', window );"><strong>Type of Issue [Line Items]</strong></a></td>
<td class="text">&#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_Tier2', window );">Tier 2</a></td>
<td class="nump">1,250<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_bbva_DateOfIssueAxis=bbva_Mar24Member', window );">Mar-24 [Member] | 5.831% [Member] | Mar-29 [Member] | United States of America, Dollars</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_bbva_TypeOfIssueLineItems', window );"><strong>Type of Issue [Line Items]</strong></a></td>
<td class="text">&#160;<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_SeniorPreferred', window );">Senior preferred</a></td>
<td class="nump">1,000<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_bbva_DateOfIssueAxis=bbva_Mar24Member', window );">Mar-24 [Member] | 6.033% [Member] | Mar-34 [Member] | Mar-35 [Member] | United States of America, Dollars</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_bbva_TypeOfIssueLineItems', window );"><strong>Type of Issue [Line Items]</strong></a></td>
<td class="text">&#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_SeniorNonPreferred', window );">Senior non-preferred</a></td>
<td class="nump">1,000<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_bbva_DateOfIssueAxis=bbva_Mar24Member', window );">Mar-24 [Member] | 3.500% [Member] | Mar-31 [Member] | Euro Member Countries, Euro</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_bbva_TypeOfIssueLineItems', window );"><strong>Type of Issue [Line Items]</strong></a></td>
<td class="text">&#160;<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_SeniorPreferredGreenBond', window );">Senior (Tranche 1)- Green bond</a></td>
<td class="nump">1,000<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_bbva_DateOfIssueAxis=bbva_Jun24Member', window );">Jun-24 [Member] | 3 month Euribor rate + 45 basis points [Member] | Jun-27 [Member] | Euro Member Countries, Euro</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_bbva_TypeOfIssueLineItems', window );"><strong>Type of Issue [Line Items]</strong></a></td>
<td class="text">&#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_SeniorPreferred', window );">Senior preferred</a></td>
<td class="nump">1,000<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_bbva_DateOfIssueAxis=bbva_Jun24Member', window );">Jun-24 [Member] | 3.625% [Member] | Jun-30 [Member] | Euro Member Countries, Euro</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_bbva_TypeOfIssueLineItems', window );"><strong>Type of Issue [Line Items]</strong></a></td>
<td class="text">&#160;<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_SeniorPreferred', window );">Senior preferred</a></td>
<td class="nump">750<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_bbva_DateOfIssueAxis=bbva_Jun24Member', window );">Jun-24 [Member] | 6.875% [Member] | Dec-30 to Jun-31 [Member] | Perpetual [Member] | Euro Member Countries, Euro</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_bbva_TypeOfIssueLineItems', window );"><strong>Type of Issue [Line Items]</strong></a></td>
<td class="text">&#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_AT1CoCo', window );">AT 1 (CoCo)</a></td>
<td class="nump">750<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_bbva_DateOfIssueAxis=bbva_Aug24Member', window );">Aug-24 [Member] | 4.375% [Member] | May-31 to Aug-31 [Member] | Aug-36 [Member] | Euro Member Countries, Euro</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_bbva_TypeOfIssueLineItems', window );"><strong>Type of Issue [Line Items]</strong></a></td>
<td class="text">&#160;<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_Tier2', window );">Tier 2</a></td>
<td class="nump">&#8364; 1,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AT1CoCo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>AT 1 (CoCo)</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_AT1CoCo</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_SeniorNonPreferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Senior non-preferred</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_SeniorNonPreferred</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_SeniorPreferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Senior preferred</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_SeniorPreferred</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_SeniorPreferredGreenBond">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Senior Preferred (green bond)</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_SeniorPreferredGreenBond</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_Tier2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 2</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_Tier2</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_TypeOfIssueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Type of Issue</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_TypeOfIssueLineItems</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_DateOfIssueAxis=bbva_Jan24Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DateOfIssueAxis=bbva_Jan24Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CouponAxis=bbva_A3.875Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CouponAxis=bbva_A3.875Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_Jan34Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_MaturityAxis=bbva_Jan34Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_EUR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_CurrencyAxis=currency_EUR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DateOfIssueAxis=bbva_Feb24Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DateOfIssueAxis=bbva_Feb24Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CouponAxis=bbva_A4.875Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CouponAxis=bbva_A4.875Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EarlyRedemptionAxis=bbva_Nov30ToFeb31Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EarlyRedemptionAxis=bbva_Nov30ToFeb31Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_Feb36Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_MaturityAxis=bbva_Feb36Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DateOfIssueAxis=bbva_Mar24Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DateOfIssueAxis=bbva_Mar24Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CouponAxis=bbva_A5.831Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CouponAxis=bbva_A5.831Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_Mar29Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_MaturityAxis=bbva_Mar29Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_USD">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_CurrencyAxis=currency_USD</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CouponAxis=bbva_A6.033Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CouponAxis=bbva_A6.033Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EarlyRedemptionAxis=bbva_Mar34Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EarlyRedemptionAxis=bbva_Mar34Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_Mar35Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_MaturityAxis=bbva_Mar35Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CouponAxis=bbva_A3.500Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CouponAxis=bbva_A3.500Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_Mar31Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_MaturityAxis=bbva_Mar31Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DateOfIssueAxis=bbva_Jun24Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DateOfIssueAxis=bbva_Jun24Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CouponAxis=bbva_A3MonthEuriborRate45BasisPointsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CouponAxis=bbva_A3MonthEuriborRate45BasisPointsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_Jun27Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_MaturityAxis=bbva_Jun27Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CouponAxis=bbva_A3.625Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CouponAxis=bbva_A3.625Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_Jun30Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_MaturityAxis=bbva_Jun30Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CouponAxis=bbva_A6.875Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CouponAxis=bbva_A6.875Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EarlyRedemptionAxis=bbva_Dec30ToJun31Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EarlyRedemptionAxis=bbva_Dec30ToJun31Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=bbva_PerpetualMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_MaturityAxis=bbva_PerpetualMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DateOfIssueAxis=bbva_Aug24Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DateOfIssueAxis=bbva_Aug24Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CouponAxis=bbva_A4.375Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CouponAxis=bbva_A4.375Member</td>
</tr>
<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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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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;">bbva_EarlyRedemptionAxis=bbva_May31ToAug31Member</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_MaturityAxis=bbva_Aug36Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=bbva_Aug36Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<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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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>169
<FILENAME>R150.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526565664">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Encumbered and unencumbered asstes (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_BookValueMember', window );">Book value [Member] | Total assets encumbered and unencumbered [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAndUnencumberedAssetsLineItems', window );"><strong>Encumbered and unencumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAssets', window );">Encumbered assets</a></td>
<td class="nump">&#8364; 68,268<span></span>
</td>
<td class="nump">&#8364; 78,586<span></span>
</td>
<td class="nump">&#8364; 92,916<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_UnencumberedAssets', window );">Unencumbered assets</a></td>
<td class="nump">704,134<span></span>
</td>
<td class="nump">696,972<span></span>
</td>
<td class="nump">619,177<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_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_BookValueMember', window );">Book value [Member] | equity instruments [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAndUnencumberedAssetsLineItems', window );"><strong>Encumbered and unencumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAssets', window );">Encumbered assets</a></td>
<td class="nump">834<span></span>
</td>
<td class="nump">592<span></span>
</td>
<td class="nump">819<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_UnencumberedAssets', window );">Unencumbered assets</a></td>
<td class="nump">17,159<span></span>
</td>
<td class="nump">13,176<span></span>
</td>
<td class="nump">11,293<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_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_BookValueMember', window );">Book value [Member] | Debt securities [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAndUnencumberedAssetsLineItems', window );"><strong>Encumbered and unencumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAssets', window );">Encumbered assets</a></td>
<td class="nump">43,404<span></span>
</td>
<td class="nump">51,458<span></span>
</td>
<td class="nump">33,533<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_UnencumberedAssets', window );">Unencumbered assets</a></td>
<td class="nump">102,333<span></span>
</td>
<td class="nump">88,976<span></span>
</td>
<td class="nump">92,665<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_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_BookValueMember', window );">Book value [Member] | Loans and advances and other [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAndUnencumberedAssetsLineItems', window );"><strong>Encumbered and unencumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAssets', window );">Encumbered assets</a></td>
<td class="nump">24,030<span></span>
</td>
<td class="nump">26,535<span></span>
</td>
<td class="nump">58,563<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_UnencumberedAssets', window );">Unencumbered assets</a></td>
<td class="nump">584,641<span></span>
</td>
<td class="nump">594,821<span></span>
</td>
<td class="nump">515,218<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_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_MarketValueMember', window );">Market value [Member] | equity instruments [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAndUnencumberedAssetsLineItems', window );"><strong>Encumbered and unencumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAssets', window );">Encumbered assets</a></td>
<td class="nump">834<span></span>
</td>
<td class="nump">592<span></span>
</td>
<td class="nump">819<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_UnencumberedAssets', window );">Unencumbered assets</a></td>
<td class="nump">17,159<span></span>
</td>
<td class="nump">13,176<span></span>
</td>
<td class="nump">11,293<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_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_MarketValueMember', window );">Market value [Member] | Debt securities [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAndUnencumberedAssetsLineItems', window );"><strong>Encumbered and unencumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EncumberedAssets', window );">Encumbered assets</a></td>
<td class="nump">45,639<span></span>
</td>
<td class="nump">50,818<span></span>
</td>
<td class="nump">32,291<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_UnencumberedAssets', window );">Unencumbered assets</a></td>
<td class="nump">&#8364; 102,333<span></span>
</td>
<td class="nump">&#8364; 88,976<span></span>
</td>
<td class="nump">&#8364; 92,665<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EncumberedAndUnencumberedAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Encumbered and unencumbered 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_EncumberedAndUnencumberedAssetsLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EncumberedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Encumbered 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_EncumberedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>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_UnencumberedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unencumbered 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_UnencumberedAssets</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_BookValueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_BookValueMember</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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></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;">bbva_EncumberedAndUnencumberedAssetsAxis=bbva_TotalAssetsEncumberedAndUnencumberedMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></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_bbva_EncumberedAndUnencumberedAssetsAxis=bbva_EquityInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EncumberedAndUnencumberedAssetsAxis=bbva_EquityInstrumentsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EncumberedAndUnencumberedAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EncumberedAndUnencumberedAssetsAxis=ifrs-full_DebtSecuritiesMember</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>
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<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_bbva_EncumberedAndUnencumberedAssetsAxis=bbva_LoansAndAdvancesAndOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EncumberedAndUnencumberedAssetsAxis=bbva_LoansAndAdvancesAndOtherMember</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>
<td></td>
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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_bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_MarketValueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BrokenDownEncumberedAndUnencumberedAssetsAxis=bbva_MarketValueMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>170
<FILENAME>R151.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360520952512">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7 Collateral pledges received (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_CollateralReceivedMember', window );">Collateral received [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CollateralPledgesReceivedLineItems', window );"><strong>Collateral pledges received [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</a></td>
<td class="nump">&#8364; 40,877<span></span>
</td>
<td class="nump">&#8364; 73,836<span></span>
</td>
<td class="nump">&#8364; 40,701<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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">14,917<span></span>
</td>
<td class="nump">14,825<span></span>
</td>
<td class="nump">9,415<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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued nor available for encumbrance</a></td>
<td class="nump">1,151<span></span>
</td>
<td class="nump">996<span></span>
</td>
<td class="nump">1,279<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_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_EquityInstrumentsMember', window );">equity instruments [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CollateralPledgesReceivedLineItems', window );"><strong>Collateral pledges received [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</a></td>
<td class="nump">215<span></span>
</td>
<td class="nump">1,019<span></span>
</td>
<td class="nump">323<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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">162<span></span>
</td>
<td class="nump">51<span></span>
</td>
<td class="nump">759<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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued nor available for encumbrance</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CollateralPledgesReceivedLineItems', window );"><strong>Collateral pledges received [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</a></td>
<td class="nump">40,663<span></span>
</td>
<td class="nump">72,817<span></span>
</td>
<td class="nump">40,378<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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">14,754<span></span>
</td>
<td class="nump">14,774<span></span>
</td>
<td class="nump">8,656<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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued nor available for encumbrance</a></td>
<td class="nump">1,151<span></span>
</td>
<td class="nump">996<span></span>
</td>
<td class="nump">1,279<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_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_LoansAndAdvancesAndOtherAssetsMember', window );">Loans and advances and other assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CollateralPledgesReceivedLineItems', window );"><strong>Collateral pledges received [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued nor available for encumbrance</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember', window );">Own debt securities issued other than own covered bonds [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CollateralPledgesReceivedLineItems', window );"><strong>Collateral pledges received [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">66<span></span>
</td>
<td class="nump">74<span></span>
</td>
<td class="nump">92<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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued nor available for encumbrance</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>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CollateralPledgesReceivedLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Collateral pledges received</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_CollateralPledgesReceivedLineItems</td>
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<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:stringItemType</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_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 of collateral received or own debt securities issued available for encumbrance</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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of collateral received or own debt securities issued nor available for encumbrance</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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 of encumbered collateral received or own debt securities issued</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_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
</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_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_CollateralReceivedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_CollateralReceivedMember</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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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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_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_EquityInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_EquityInstrumentsMember</td>
</tr>
<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>
</tr>
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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;">bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<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>
<td></td>
</tr>
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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;">bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_LoansAndAdvancesAndOtherAssetsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfFinancialInstrumentsCollateralReceivedAxis=bbva_OwnDebtSecuritiesIssuedOtherThanOwnCoveredBondsMember</td>
</tr>
<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>
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<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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<DOCUMENT>
<TYPE>XML
<SEQUENCE>171
<FILENAME>R152.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526867792">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 Sources of encumbrance (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_BookValueOfFinancialLiabilitiesMember', window );">Book value of financial liabilities [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems', window );"><strong>Financial liabilities issued encumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent', window );">Matching liabilities contingent liabilities or securities lent</a></td>
<td class="nump">&#8364; 109,833<span></span>
</td>
<td class="nump">&#8364; 151,766<span></span>
</td>
<td class="nump">&#8364; 122,400<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_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered', window );">Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered</a></td>
<td class="nump">107,067<span></span>
</td>
<td class="nump">149,853<span></span>
</td>
<td class="nump">128,628<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_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=ifrs-full_DerivativesMember', window );">Derivatives [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems', window );"><strong>Financial liabilities issued encumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent', window );">Matching liabilities contingent liabilities or securities lent</a></td>
<td class="nump">17,047<span></span>
</td>
<td class="nump">15,895<span></span>
</td>
<td class="nump">15,950<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_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered', window );">Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered</a></td>
<td class="nump">14,698<span></span>
</td>
<td class="nump">13,756<span></span>
</td>
<td class="nump">16,699<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_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_DepositsSourcesOfEncumbranceMember', window );">Deposits sources of encumbrance</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems', window );"><strong>Financial liabilities issued encumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent', window );">Matching liabilities contingent liabilities or securities lent</a></td>
<td class="nump">84,604<span></span>
</td>
<td class="nump">126,777<span></span>
</td>
<td class="nump">95,728<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_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered', window );">Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered</a></td>
<td class="nump">81,938<span></span>
</td>
<td class="nump">126,543<span></span>
</td>
<td class="nump">99,077<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_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_OutstandingSubordinatedDebtMember', window );">Outstanding subordinated debt [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems', window );"><strong>Financial liabilities issued encumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent', window );">Matching liabilities contingent liabilities or securities lent</a></td>
<td class="nump">8,182<span></span>
</td>
<td class="nump">9,094<span></span>
</td>
<td class="nump">10,722<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_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered', window );">Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered</a></td>
<td class="nump">10,431<span></span>
</td>
<td class="nump">9,554<span></span>
</td>
<td class="nump">12,852<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_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_OtherMember', window );">Other [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems', window );"><strong>Financial liabilities issued encumbered assets [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent', window );">Matching liabilities contingent liabilities or securities lent</a></td>
<td class="nump">1,141<span></span>
</td>
<td class="nump">1,066<span></span>
</td>
<td class="nump">731<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_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered', window );">Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered</a></td>
<td class="nump">&#8364; 2,079<span></span>
</td>
<td class="nump">&#8364; 2,568<span></span>
</td>
<td class="nump">&#8364; 4,989<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered</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_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered</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_FinancialLiabilitiesIssuedEncumberedAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 issued encumbered 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_FinancialLiabilitiesIssuedEncumberedAssetsLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Matching liabilities contingent liabilities or securities lent</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_MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent</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_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_BookValueOfFinancialLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_BookValueOfFinancialLiabilitiesMember</td>
</tr>
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<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></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_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=ifrs-full_DerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=ifrs-full_DerivativesMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_DepositsSourcesOfEncumbranceMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_DepositsSourcesOfEncumbranceMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_OutstandingSubordinatedDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_OutstandingSubordinatedDebtMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis=bbva_OtherMember">
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533997648">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 8 Fair value of financial instruments by levels (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_FinancialInstrumentsAssetsAndLiabilitiesLineItems', window );"><strong>Financial instruments assets 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>
<td class="fn" style="border-bottom: 0px;"></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_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">&#8364; 108,948<span></span>
</td>
<td class="nump">&#8364; 141,042<span></span>
</td>
<td class="nump">&#8364; 110,671<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">36,003<span></span>
</td>
<td class="nump">34,293<span></span>
</td>
<td class="nump">39,908<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Equity instruments held 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">6,760<span></span>
</td>
<td class="nump">4,589<span></span>
</td>
<td class="nump">4,404<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">27,955<span></span>
</td>
<td class="nump">28,569<span></span>
</td>
<td class="nump">24,367<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Loans and advances 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">38,230<span></span>
</td>
<td class="nump">73,590<span></span>
</td>
<td class="nump">41,993<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">10,546<span></span>
</td>
<td class="nump">8,737<span></span>
</td>
<td class="nump">6,888<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Equity instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,782<span></span>
</td>
<td class="nump">7,963<span></span>
</td>
<td class="nump">6,511<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Debt instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">407<span></span>
</td>
<td class="nump">484<span></span>
</td>
<td class="nump">129<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Loans and advances to customers at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">358<span></span>
</td>
<td class="nump">290<span></span>
</td>
<td class="nump">247<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">836<span></span>
</td>
<td class="nump">955<span></span>
</td>
<td class="nump">913<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', 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">836<span></span>
</td>
<td class="nump">955<span></span>
</td>
<td class="nump">913<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">59,002<span></span>
</td>
<td class="nump">62,205<span></span>
</td>
<td class="nump">65,374<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">1,451<span></span>
</td>
<td class="nump">1,217<span></span>
</td>
<td class="nump">1,198<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">57,526<span></span>
</td>
<td class="nump">60,963<span></span>
</td>
<td class="nump">64,150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">25<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">1,158<span></span>
</td>
<td class="nump">1,482<span></span>
</td>
<td class="nump">1,891<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">86,591<span></span>
</td>
<td class="nump">121,715<span></span>
</td>
<td class="nump">95,611<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">33,059<span></span>
</td>
<td class="nump">33,045<span></span>
</td>
<td class="nump">37,909<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ShortPositionsFinancialLiabilitiesHeldForTrading', window );">Short positions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,878<span></span>
</td>
<td class="nump">15,735<span></span>
</td>
<td class="nump">13,487<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Deposits at fair value through profit or loss that meet definition of held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">39,654<span></span>
</td>
<td class="nump">72,935<span></span>
</td>
<td class="nump">44,215<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,952<span></span>
</td>
<td class="nump">13,299<span></span>
</td>
<td class="nump">10,580<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Deposits from banks at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Customer deposits designated at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">934<span></span>
</td>
<td class="nump">717<span></span>
</td>
<td class="nump">700<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', 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">4,597<span></span>
</td>
<td class="nump">3,977<span></span>
</td>
<td class="nump">3,288<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Other Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,420<span></span>
</td>
<td class="nump">8,605<span></span>
</td>
<td class="nump">6,592<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">2,503<span></span>
</td>
<td class="nump">2,625<span></span>
</td>
<td class="nump">3,303<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level 1 Of Fair Value Hierarchy [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialInstrumentsAssetsAndLiabilitiesLineItems', window );"><strong>Financial instruments assets 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>
<td class="fn" style="border-bottom: 0px;"></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_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">26,332<span></span>
</td>
<td class="nump">21,972<span></span>
</td>
<td class="nump">22,710<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">969<span></span>
</td>
<td class="nump">144<span></span>
</td>
<td class="nump">795<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Equity instruments held 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">6,602<span></span>
</td>
<td class="nump">4,494<span></span>
</td>
<td class="nump">4,369<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">18,762<span></span>
</td>
<td class="nump">17,333<span></span>
</td>
<td class="nump">16,284<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Loans and advances 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">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,262<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">8,511<span></span>
</td>
<td class="nump">7,028<span></span>
</td>
<td class="nump">5,720<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Equity instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,309<span></span>
</td>
<td class="nump">6,742<span></span>
</td>
<td class="nump">5,457<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Debt instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">202<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Loans and advances to customers at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</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">245<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">774<span></span>
</td>
<td class="nump">908<span></span>
</td>
<td class="nump">913<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', 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">774<span></span>
</td>
<td class="nump">908<span></span>
</td>
<td class="nump">913<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">50,354<span></span>
</td>
<td class="nump">52,987<span></span>
</td>
<td class="nump">53,248<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">1,157<span></span>
</td>
<td class="nump">1,026<span></span>
</td>
<td class="nump">1,040<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">49,173<span></span>
</td>
<td class="nump">51,961<span></span>
</td>
<td class="nump">52,182<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">25<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,308<span></span>
</td>
<td class="nump">14,133<span></span>
</td>
<td class="nump">20,611<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,118<span></span>
</td>
<td class="nump">191<span></span>
</td>
<td class="nump">746<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ShortPositionsFinancialLiabilitiesHeldForTrading', window );">Short positions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,189<span></span>
</td>
<td class="nump">13,942<span></span>
</td>
<td class="nump">13,354<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Deposits at fair value through profit or loss that meet definition of held for trading</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">6,511<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Deposits from banks at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Customer deposits designated at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', 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">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Other Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">100<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialInstrumentsAssetsAndLiabilitiesLineItems', window );"><strong>Financial instruments assets 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>
<td class="fn" style="border-bottom: 0px;"></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_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">80,323<span></span>
</td>
<td class="nump">116,905<span></span>
</td>
<td class="nump">85,636<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">34,591<span></span>
</td>
<td class="nump">33,880<span></span>
</td>
<td class="nump">38,140<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Equity instruments held 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">76<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,438<span></span>
</td>
<td class="nump">11,081<span></span>
</td>
<td class="nump">7,934<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Loans and advances 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">37,218<span></span>
</td>
<td class="nump">71,921<span></span>
</td>
<td class="nump">39,562<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">617<span></span>
</td>
<td class="nump">493<span></span>
</td>
<td class="nump">151<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Equity instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">107<span></span>
</td>
<td class="nump">72<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Debt instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">173<span></span>
</td>
<td class="nump">132<span></span>
</td>
<td class="nump">111<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Loans and advances to customers at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">336<span></span>
</td>
<td class="nump">288<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">62<span></span>
</td>
<td class="nump">47<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', 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">62<span></span>
</td>
<td class="nump">47<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">7,515<span></span>
</td>
<td class="nump">8,335<span></span>
</td>
<td class="nump">11,537<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">79<span></span>
</td>
<td class="nump">52<span></span>
</td>
<td class="nump">58<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">7,436<span></span>
</td>
<td class="nump">8,258<span></span>
</td>
<td class="nump">11,479<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">0<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">1,158<span></span>
</td>
<td class="nump">1,482<span></span>
</td>
<td class="nump">1,887<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">71,072<span></span>
</td>
<td class="nump">106,382<span></span>
</td>
<td class="nump">73,871<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">31,400<span></span>
</td>
<td class="nump">32,111<span></span>
</td>
<td class="nump">36,161<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ShortPositionsFinancialLiabilitiesHeldForTrading', window );">Short positions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">673<span></span>
</td>
<td class="nump">1,750<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Deposits at fair value through profit or loss that meet definition of held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">38,999<span></span>
</td>
<td class="nump">72,520<span></span>
</td>
<td class="nump">37,577<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12,865<span></span>
</td>
<td class="nump">11,073<span></span>
</td>
<td class="nump">8,990<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Deposits from banks at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Customer deposits designated at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">934<span></span>
</td>
<td class="nump">717<span></span>
</td>
<td class="nump">700<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', 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">2,511<span></span>
</td>
<td class="nump">1,751<span></span>
</td>
<td class="nump">1,698<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Other Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,420<span></span>
</td>
<td class="nump">8,605<span></span>
</td>
<td class="nump">6,592<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">2,480<span></span>
</td>
<td class="nump">2,586<span></span>
</td>
<td class="nump">3,179<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialInstrumentsAssetsAndLiabilitiesLineItems', window );"><strong>Financial instruments assets 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>
<td class="fn" style="border-bottom: 0px;"></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_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">2,292<span></span>
</td>
<td class="nump">2,165<span></span>
</td>
<td class="nump">2,325<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">443<span></span>
</td>
<td class="nump">269<span></span>
</td>
<td class="nump">974<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Equity instruments held 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">83<span></span>
</td>
<td class="nump">71<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">756<span></span>
</td>
<td class="nump">155<span></span>
</td>
<td class="nump">148<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Loans and advances 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">1,011<span></span>
</td>
<td class="nump">1,669<span></span>
</td>
<td class="nump">1,169<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">1,418<span></span>
</td>
<td class="nump">1,216<span></span>
</td>
<td class="nump">1,017<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Equity instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,365<span></span>
</td>
<td class="nump">1,148<span></span>
</td>
<td class="nump">1,014<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Debt instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">31<span></span>
</td>
<td class="nump">66<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Loans and advances to customers at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">21<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', 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">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">1,133<span></span>
</td>
<td class="nump">883<span></span>
</td>
<td class="nump">589<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">216<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td class="nump">100<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">917<span></span>
</td>
<td class="nump">745<span></span>
</td>
<td class="nump">489<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,211<span></span>
</td>
<td class="nump">1,201<span></span>
</td>
<td class="nump">1,129<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">541<span></span>
</td>
<td class="nump">743<span></span>
</td>
<td class="nump">1,002<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ShortPositionsFinancialLiabilitiesHeldForTrading', window );">Short positions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15<span></span>
</td>
<td class="nump">44<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Deposits at fair value through profit or loss that meet definition of held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">656<span></span>
</td>
<td class="nump">415<span></span>
</td>
<td class="nump">127<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,087<span></span>
</td>
<td class="nump">2,227<span></span>
</td>
<td class="nump">1,590<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Deposits from banks at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Customer deposits designated at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', 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">2,087<span></span>
</td>
<td class="nump">2,227<span></span>
</td>
<td class="nump">1,590<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Other Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</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>
<td class="fn" style="border-bottom: 0px;"></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">&#8364; 23<span></span>
</td>
<td class="nump">&#8364; 39<span></span>
</td>
<td class="nump">&#8364; 25<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(1) During financial years 2024 and 2023, 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;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3).</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 designated upon initial recognition or subsequently</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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialInstrumentsAssetsAndLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 instruments 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_FinancialInstrumentsAssetsAndLiabilitiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 through profit or loss, designated upon initial recognition or subsequently</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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</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_ShortPositionsFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial liabilities 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_ShortPositionsFinancialLiabilitiesHeldForTrading</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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity at fair value through profit or loss classified as held for trading. [Refer: Debt instruments held; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity that are mandatorily measured at fair value through profit or loss in accordance with IFRS 9, other than those classified as held for trading. [Refer: Debt instruments held; Financial assets at fair value through profit or loss, mandatorily measured at fair value, other than those 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading</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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity that are measured at fair value through other comprehensive income. [Refer: Debt instruments held; 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>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome</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_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</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_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held by the entity at fair value through profit or loss that meet the definition of held for trading. [Refer: 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading</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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held by the entity that provide evidence of a residual interest in the assets of another entity after deducting all of its liabilities, classified as held for trading. [Refer: Equity instruments held; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held by the entity that provide evidence of a residual interest in the assets of another entity after deducting all of its liabilities, mandatorily measured at fair value through profit or loss in accordance with IFRS 9, other than those classified as held for trading. [Refer: Equity instruments held; Financial assets at fair value through profit or loss, mandatorily measured at fair value, other than those 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading</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_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 2024-01-01<br> -Paragraph 11A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_11A_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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, mandatorily measured at fair 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/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that were designated as such upon initial recognition or subsequently. [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/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</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 2024-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing 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: 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 2024-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; 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 2024-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</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_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss classified as held for trading. [Refer: Loans and advances; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 that are measured at fair value through other comprehensive income. [Refer: Loans and advances to banks; 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>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
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<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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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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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>The amount of loans and advances the entity has made to customers that are mandatorily measured at fair value through profit or loss in accordance with IFRS 9, other than those classified as held for trading. [Refer: Loans and advances to customers; Financial assets at fair value through profit or loss, mandatorily measured at fair value, other than those 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading</td>
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<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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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360538443056">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 8 Fair value of financial assets by levels, valuation techniques and inputs (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsHeldForTradingMember', window );">Financial assets held for trading [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">-  Exchange rates-  Market quoted future prices-  Market interest rates-  Underlying assets prices: shares, funds, commodities-  Market observable volatilities  -  Issuer credit spread levels-  Quoted dividends-  Market listed correlations<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsHeldForTradingMember', window );">Financial assets held for trading [Member] | equity instruments [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Comparable pricing (Observable price in a similar market)Net asset value<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Brokers quotes- Market operations- NAVs published<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- NAV provided by the administrator of the fund<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsHeldForTradingMember', window );">Financial assets held for trading [Member] | Debt securities [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Present-value method(Discounted future cash flows)Observed prices in non-active markets<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Issuer&#180;s credit risk- Current market interest rates- Non active markets prices<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Prepayment rates- Issuer&#180;s credit risk- Recovery rates<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsHeldForTradingMember', window );">Financial assets held for trading [Member] | loans and advances [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Present-value method(Discounted future cash flows)<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Issuer&#180;s credit risk- Current market interest rates- Funding interest rates observed in the market or in consensus services- Exchange rates<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Prepayment rates- Issuer&#180;s credit risk- Recovery rates- Funding interest rates not observed in the market or in consensus services<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsHeldForTradingMember', window );">Financial assets held for trading [Member] | Interest rate [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flowsCaps/Floors: Black 76 and  SABRBond options: Black 76Swaptions: Black, SABR and LGMOther Interest rate Options: Black, SABR  and Libor Market ModelConstant Maturity Swaps: SABR<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Beta- Implicit correlations between tenors- interest rates volatility<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsHeldForTradingMember', window );">Financial assets held for trading [Member] | Components of equity [domain]</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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Future and Equity Forward: Discounted future cash flowsEquity Options: Local Volatility, Momentum adjustment and Heston<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations- Implicit dividends and long term repos<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsHeldForTradingMember', window );">Financial assets held for trading [Member] | Foreign exchange and gold [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Future and Equity Forward: Discounted future cash flowsForeign exchange Options: Local volatility, momentum adjustment<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsHeldForTradingMember', window );">Financial assets held for trading [Member] | Credit derivatives [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Credit Derivatives: Default model and Gaussian copula<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Correlation default- Credit spread- Recovery rates- Interest rate yield- Default volatility<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsHeldForTradingMember', window );">Financial assets held for trading [Member] | Commodities [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Commodities: Momentum adjustment and discounted cash flows<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember', window );">Non trading financial assets mandatorily at fair value through profit or loss [Member] | equity instruments [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Comparable pricing (Observable price in a similar market)Net asset value<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Brokers quotes- Market operations- NAVs published<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- NAV provided by the administrator of the fund<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember', window );">Non trading financial assets mandatorily at fair value through profit or loss [Member] | Debt securities [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Present-value method(Discounted future cash flows)<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Issuer credit risk- Current market interest rates<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Prepayment rates- Issuer credit risk- Recovery rates<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember', window );">Non trading financial assets mandatorily at fair value through profit or loss [Member] | loans and advances [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Discounted future cash flows<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Prepayment rates- Interest rates<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember', window );">Financial assets designated at fair value through profit or loss [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Present-value method(Discounted future cash flows)<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Issuer credit risk- Current market interest rates<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income, category [member] | equity instruments [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Comparable pricing (Observable price in a similar market)Net asset value<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Brokers quotes- Market operations- NAVs published<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- NAV provided by the administrator of the fund<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income, category [member] | Debt securities [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Present-value method(Discounted future cash flows)Observed prices in non-active markets<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Issuer&#180;s credit risk- Current market interest rates- Non active market prices<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Prepayment rates- Issuer credit risk- Recovery rates<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_HedgingDerivativesMember', window );">Hedging derivatives [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">-  Exchange rates-  Market quoted future prices-  Market interest rates-  Underlying assets prices: shares, funds, commodities-  Market observable volatilities  -  Issuer credit spread levels-  Quoted dividends-  Market listed correlations<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_HedgingDerivativesMember', window );">Hedging derivatives [Member] | Interest rate [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flowsCaps/Floors: Black 76 and  SABRBond options: Black 76Swaptions: Black, SABR and LGMOther Interest rate Options: Black, SABR  and Libor Market ModelConstant Maturity Swaps: SABR<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Beta- Implicit correlations between tenors- interest rates volatility<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_HedgingDerivativesMember', window );">Hedging derivatives [Member] | Components of equity [domain]</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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Future and Equity Forward: Discounted future cash flowsEquity Options: Local volatility, Black 76, Momentum adjustment and Heston<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations- Implicit dividends and long term repos<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_HedgingDerivativesMember', window );">Hedging derivatives [Member] | Foreign exchange and gold [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Future and Equity Forward: Discounted future cash flowsForeign exchange Options: Local volatility, momentum adjustment<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_HedgingDerivativesMember', window );">Hedging derivatives [Member] | Credit derivatives [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Credit Derivatives: Default model and Gaussian copula<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Correlation default- Credit spread- Recovery rates- Interest rate yield- Default volatility<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_bbva_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis=bbva_HedgingDerivativesMember', window );">Hedging derivatives [Member] | Commodities [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_bbva_FinancialAssetsAtFairValueByLevelsLineItems', window );"><strong>Financial assets at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Commodities: Momentum adjustment and Discounted cash flows<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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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>Financial assets at fair value by levels</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_FinancialAssetsAtFairValueByLevelsLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Observable inputs</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_ObservableInputs</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>Unobservable inputs</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_UnobservableInputs</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ValuationTechniques">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Valuation techniques</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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572125728">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 8 Fair value of financial liabilities by levels, valuation techniques and inputs (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">-  Exchange rates-  Market quoted future prices-  Market interest rates-  Underlying assets prices: shares, funds, commodities-  Market observable volatilities  -  Issuer credit spread levels-  Quoted dividends-  Market listed correlations<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member] | Deposits valuation techniques</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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Present-value method(Discounted future cash flows)<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Interest rate yield- Funding interest rates observed in the market or in consensus services-  Exchange rates<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Funding interest rates not observed in the market or in consensus services<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member] | Interest rate [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flowsCaps/Floors: Black 76 and SABRBond options: Black 76Swaptions: Black 76, SABR and LGMOther Interest rate Options: Black,  SABR and Libor Market ModelConstant Maturity Swaps: SABR<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Beta- Correlation between tenors- Interest rates volatility<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member] | Components of equity [domain]</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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Future and Equity forward: Discounted future cash flowsEquity Options: Local volatility, momentum adjustment and Heston<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Volatility of volatility- Assets correlation<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member] | Foreign exchange and gold [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Future and Equity Forward: Discounted future cash flowsForeign exchange Options: Black 76, Local volatility, momentum adjustment<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Volatility of volatility- Assets correlation<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member] | Credit derivatives [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Credit Derivatives: Default model and Gaussian copula<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Correlation default- Credit spread- Recovery rates- Interest rate yield- Default volatility<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member] | Commodities [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Commodities: Momentum adjustment and discounted cash flows<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member] | Short positions [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Present-value method(Discounted future cash flows)<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Prepayment rates- Issuer&#180;s credit risk- Current market interest rates<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember', window );">Financial liabilities at fair value through profit or loss, category [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Present-value method(Discounted future cash flows)<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">- Prepayment rates- Issuer&#180;s credit risk- Current market interest rates<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Prepayment rates- Issuer&#180;s credit risk- Current market interest rates<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=bbva_DerivativesHedgeAccountingMember', window );">Derivatives hedge accounting [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#160;<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_ObservableInputs', window );">Observable inputs</a></td>
<td class="text">-  Exchange rates-  Market quoted future prices-  Market interest rates-  Underlying assets prices: shares, funds, commodities-  Market observable volatilities  -  Issuer credit spread levels-  Quoted dividends-  Market listed correlations<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=bbva_DerivativesHedgeAccountingMember', window );">Derivatives hedge accounting [Member] | Interest rate [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flowsCaps/Floors: Black 76 and SABRBond options: Black 76Swaptions: Black 76, SABR and LGMOther Interest rate Options: Black,  SABR and Libor Market ModelConstant Maturity Swaps: SABR<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Beta- Implicit correlations between tenors- interest rates volatility<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=bbva_DerivativesHedgeAccountingMember', window );">Derivatives hedge accounting [Member] | Components of equity [domain]</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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Future and Equity Forward: Discounted future cash flowsEquity Options: Local volatility, momentum adjustment and Heston<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations- Implicit dividends and long term repos<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=bbva_DerivativesHedgeAccountingMember', window );">Derivatives hedge accounting [Member] | Foreign exchange and gold [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Future and Equity Forward: Discounted future cash flowsForeign exchange Options: Black 76, Local Volatility, momentum adjustment<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=bbva_DerivativesHedgeAccountingMember', window );">Derivatives hedge accounting [Member] | Credit derivatives [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Credit Derivatives: Default model and Gaussian copula<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_UnobservableInputs', window );">Unobservable inputs</a></td>
<td class="text">- Correlation default- Credit spread- Recovery rates- Interest rate yield- Default volatility<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=bbva_DerivativesHedgeAccountingMember', window );">Derivatives hedge accounting [Member] | Commodities [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_bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems', window );"><strong>Financial liabilities at fair value by levels [Line Items]</strong></a></td>
<td class="text">&#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_ValuationTechniques', window );">Valuation techniques</a></td>
<td class="text">Commodities: Momentum adjustment and discounted cash flows<span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial liabilities at fair value by levels</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>Observable inputs</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>Unobservable inputs</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>Valuation techniques</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">
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<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></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_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis=ifrs-full_ComponentsOfEquityDomain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis=ifrs-full_ComponentsOfEquityDomain</td>
</tr>
<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>
<td></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis=bbva_ForeignExchangeAndGoldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis=bbva_ForeignExchangeAndGoldMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis=bbva_CreditDerivativesMember</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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<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_bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis=bbva_CommoditiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis=bbva_CommoditiesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td></td>
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<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;">bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis=bbva_ShortPositionsMember</td>
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<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>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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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;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis=bbva_DerivativesHedgeAccountingMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>175
<FILENAME>R156.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534573376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 8 Unobservable inputs (Details) - vegas<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember', window );">Bottom of range [member] | Debt securities [Member] | Present value method [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CreditSpread', window );">Credit spread</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<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_RecoveryRate', window );">Recovery rate</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<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_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember', window );">Bottom of range [member] | Debt securities [Member] | Comparable pricing [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ComparablePricesInputs', window );">Comparable prices inputs</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">2.00%<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_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember', window );">Bottom of range [member] | loans and advances [Member] | Present value method [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_RepoFundingCurve', window );">Repo funding curve</a></td>
<td class="nump">2.09%<span></span>
</td>
<td class="nump">2.26%<span></span>
</td>
<td class="nump">0.71%<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_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember', window );">Bottom of range [member] | Credit derivatives [Member] | Gaussian copula [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CorrelationDefault', window );">Correlation default</a></td>
<td class="nump">19.00%<span></span>
</td>
<td class="nump">26.00%<span></span>
</td>
<td class="nump">26.00%<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_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember', window );">Bottom of range [member] | Credit derivatives [Member] | Black 76 [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PriceVolatility', window );">Price volatility</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember', window );">Bottom of range [member] | Equity derivatives [Member] | Option models on equities baskets of equity funds [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Correlations', window );">Correlations</a></td>
<td class="num">(88.00%)<span></span>
</td>
<td class="num">(88.00%)<span></span>
</td>
<td class="num">(93.00%)<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_Volatility', window );">Volatility</a></td>
<td class="nump">5,070,000.00<span></span>
</td>
<td class="nump">8,470,000<span></span>
</td>
<td class="nump">7,810,000<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_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember', window );">Bottom of range [member] | FX derivatives [Member] | Option models on FX underlyings [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Volatility', window );">Volatility</a></td>
<td class="nump">3,930,000<span></span>
</td>
<td class="nump">4,310,000<span></span>
</td>
<td class="nump">5,320,000<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_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember', window );">Bottom of range [member] | IR derivatives [Member] | Option models on IR underlyings [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BetaSignificantUnobservableInputs', window );">Beta (significant unobservable inputs)</a></td>
<td class="num">(3.00%)<span></span>
</td>
<td class="num">(3.00%)<span></span>
</td>
<td class="num">(0.25%)<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_CorrelationRateCredit', window );">Correlation rate credit</a></td>
<td class="num">(100.00%)<span></span>
</td>
<td class="num">(100.00%)<span></span>
</td>
<td class="num">(100.00%)<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_CorrelationRateinflation', window );">Correlation rate/inflation</a></td>
<td class="nump">42.00%<span></span>
</td>
<td class="nump">52.00%<span></span>
</td>
<td class="nump">51.00%<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_UnobservableInputsAxis=srt_ArithmeticAverageMember', window );">Arithmetic Average [Member] | Debt securities [Member] | Present value method [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CreditSpread', window );">Credit spread</a></td>
<td class="nump">11300000000.00%<span></span>
</td>
<td class="nump">13600000000.00%<span></span>
</td>
<td class="nump">11100000000.00%<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_RecoveryRate', window );">Recovery rate</a></td>
<td class="nump">39.00%<span></span>
</td>
<td class="nump">39.00%<span></span>
</td>
<td class="nump">39.00%<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_UnobservableInputsAxis=srt_ArithmeticAverageMember', window );">Arithmetic Average [Member] | Debt securities [Member] | Comparable pricing [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ComparablePricesInputs', window );">Comparable prices inputs</a></td>
<td class="nump">95.00%<span></span>
</td>
<td class="nump">99.00%<span></span>
</td>
<td class="nump">94.00%<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_UnobservableInputsAxis=srt_ArithmeticAverageMember', window );">Arithmetic Average [Member] | loans and advances [Member] | Present value method [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_RepoFundingCurve', window );">Repo funding curve</a></td>
<td class="nump">3.70%<span></span>
</td>
<td class="nump">3.74%<span></span>
</td>
<td class="nump">3.48%<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_UnobservableInputsAxis=srt_ArithmeticAverageMember', window );">Arithmetic Average [Member] | Credit derivatives [Member] | Gaussian copula [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CorrelationDefault', window );">Correlation default</a></td>
<td class="nump">59.00%<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="nump">44.00%<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_UnobservableInputsAxis=srt_ArithmeticAverageMember', window );">Arithmetic Average [Member] | Credit derivatives [Member] | Black 76 [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PriceVolatility', window );">Price volatility</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UnobservableInputsAxis=srt_ArithmeticAverageMember', window );">Arithmetic Average [Member] | Equity derivatives [Member] | Option models on equities baskets of equity funds [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Correlations', window );">Correlations</a></td>
<td class="nump">48.00%<span></span>
</td>
<td class="nump">52.00%<span></span>
</td>
<td class="nump">59.00%<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_Volatility', window );">Volatility</a></td>
<td class="nump">30,900,000<span></span>
</td>
<td class="nump">29,410,000<span></span>
</td>
<td class="nump">32,620,000<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_UnobservableInputsAxis=srt_ArithmeticAverageMember', window );">Arithmetic Average [Member] | FX derivatives [Member] | Option models on FX underlyings [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Volatility', window );">Volatility</a></td>
<td class="nump">9,460,000<span></span>
</td>
<td class="nump">10,240,000<span></span>
</td>
<td class="nump">11,930,000<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_UnobservableInputsAxis=srt_ArithmeticAverageMember', window );">Arithmetic Average [Member] | IR derivatives [Member] | Option models on IR underlyings [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BetaSignificantUnobservableInputs', window );">Beta (significant unobservable inputs)</a></td>
<td class="num">(5.00%)<span></span>
</td>
<td class="num">(5.00%)<span></span>
</td>
<td class="num">(2.00%)<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_CorrelationRateinflation', window );">Correlation rate/inflation</a></td>
<td class="nump">74.00%<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="nump">66.00%<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_UnobservableInputsAxis=ifrs-full_TopOfRangeMember', window );">Top of range [member] | Debt securities [Member] | Present value method [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CreditSpread', window );">Credit spread</a></td>
<td class="nump">390700000000.00%<span></span>
</td>
<td class="nump">436900000000.00%<span></span>
</td>
<td class="nump">153800000000.00%<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_RecoveryRate', window );">Recovery rate</a></td>
<td class="nump">40.00%<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
<td class="nump">40.00%<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_UnobservableInputsAxis=ifrs-full_TopOfRangeMember', window );">Top of range [member] | Debt securities [Member] | Comparable pricing [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ComparablePricesInputs', window );">Comparable prices inputs</a></td>
<td class="nump">233.00%<span></span>
</td>
<td class="nump">237.00%<span></span>
</td>
<td class="nump">139.00%<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_UnobservableInputsAxis=ifrs-full_TopOfRangeMember', window );">Top of range [member] | loans and advances [Member] | Present value method [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_RepoFundingCurve', window );">Repo funding curve</a></td>
<td class="nump">7.11%<span></span>
</td>
<td class="nump">5.76%<span></span>
</td>
<td class="nump">5.52%<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_UnobservableInputsAxis=ifrs-full_TopOfRangeMember', window );">Top of range [member] | Credit derivatives [Member] | Gaussian copula [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CorrelationDefault', window );">Correlation default</a></td>
<td class="nump">92.00%<span></span>
</td>
<td class="nump">85.00%<span></span>
</td>
<td class="nump">58.00%<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_UnobservableInputsAxis=ifrs-full_TopOfRangeMember', window );">Top of range [member] | Credit derivatives [Member] | Black 76 [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PriceVolatility', window );">Price volatility</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UnobservableInputsAxis=ifrs-full_TopOfRangeMember', window );">Top of range [member] | Equity derivatives [Member] | Option models on equities baskets of equity funds [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Correlations', window );">Correlations</a></td>
<td class="nump">99.00%<span></span>
</td>
<td class="nump">99.00%<span></span>
</td>
<td class="nump">99.00%<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_Volatility', window );">Volatility</a></td>
<td class="nump">122,350,000<span></span>
</td>
<td class="nump">70,940,000<span></span>
</td>
<td class="nump">98,710,000<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_UnobservableInputsAxis=ifrs-full_TopOfRangeMember', window );">Top of range [member] | FX derivatives [Member] | Option models on FX underlyings [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Volatility', window );">Volatility</a></td>
<td class="nump">14,910,000<span></span>
</td>
<td class="nump">18,520,000<span></span>
</td>
<td class="nump">20,730,000<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_UnobservableInputsAxis=ifrs-full_TopOfRangeMember', window );">Top of range [member] | IR derivatives [Member] | Option models on IR underlyings [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SignificantUnobservableInputsLineItems', window );"><strong>Significant unobservable inputs [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BetaSignificantUnobservableInputs', window );">Beta (significant unobservable inputs)</a></td>
<td class="num">(11.00%)<span></span>
</td>
<td class="num">(11.00%)<span></span>
</td>
<td class="num">(18.00%)<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_CorrelationRateCredit', window );">Correlation rate credit</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<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_CorrelationRateinflation', window );">Correlation rate/inflation</a></td>
<td class="nump">95.00%<span></span>
</td>
<td class="nump">74.00%<span></span>
</td>
<td class="nump">76.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BetaSignificantUnobservableInputs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Beta (significant unobservable inputs)</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_BetaSignificantUnobservableInputs</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>dtr-types1:percentItemType</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_ComparablePricesInputs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Comparable prices inputs</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_ComparablePricesInputs</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>dtr-types1:percentItemType</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_CorrelationDefault">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Correlation default</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_CorrelationDefault</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>dtr-types1:percentItemType</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_CorrelationRateCredit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Correlation rate credit</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_CorrelationRateCredit</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>dtr-types1:percentItemType</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_CorrelationRateinflation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Correlation rate/inflation</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_CorrelationRateinflation</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>dtr-types:percentItemType</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_Correlations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Correlations</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_Correlations</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>dtr-types1:percentItemType</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_CreditSpread">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Credit spread</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_CreditSpread</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>dtr-types1:percentItemType</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_PriceVolatility">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Price volatility</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_PriceVolatility</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:decimalItemType</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_RecoveryRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Recovery rate</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_RecoveryRate</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>dtr-types1:percentItemType</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_RepoFundingCurve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Repo funding curve</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_RepoFundingCurve</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>dtr-types1:percentItemType</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_SignificantUnobservableInputsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Significant unobservable inputs</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_SignificantUnobservableInputsLineItems</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_Volatility">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Volatility</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_Volatility</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:decimalItemType</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_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_UnobservableInputsAxis=ifrs-full_BottomOfRangeMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_ClassesOfFinancialInstrumentsAxis=ifrs-full_DebtSecuritiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis=bbva_PresentValueMethodMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_ValuationTechniquesUsedInFairValueMeasurementAxis=bbva_PresentValueMethodMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis=bbva_ComparablePricingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_ValuationTechniquesUsedInFairValueMeasurementAxis=bbva_ComparablePricingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_ClassesOfFinancialInstrumentsAxis=bbva_LoansAndAdvancesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=bbva_CreditDerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_ClassesOfFinancialInstrumentsAxis=bbva_CreditDerivativesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis=bbva_GaussianCopulaMember">
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>176
<FILENAME>R157.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535329616">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 8 Financial instruments level 3 Changes in the year (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></th>
</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_bbva_FinancialInstrumentsLevel3Axis=ifrs-full_ClassesOfAssetsDomain', window );">Classes of assets [Domain]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems', window );"><strong>Financial instruments level 3 Changes in the year [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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_FinancialInstrumentsLevel3Total', window );">Financial instruments level 3 total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 4,264<span></span>
</td>
<td class="nump">&#8364; 3,931<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 5,301<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_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets', window );">Gains (losses) recognised in profit or loss on exchange differences, fair value measurement, assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">490<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">289<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_ChangesInFairValueNotRecognizedInProfitAndLoss', window );">Changes in fair value not recognized in profit and loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">29<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(62)<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_AcquisitionsDisposalsAndLiquidations', window );">Acquisitions disposals and liquidations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">397<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(783)<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_NetTransfersToLevel3', window );">Net transfers to level 3</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(330)<span></span>
</td>
<td class="nump">289<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(750)<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_ExchangeDifferencesAndOthers', window );">Exchange differences and others</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(64)<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_FinancialInstrumentsLevel3Total', window );">Financial instruments level 3 total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,843<span></span>
</td>
<td class="nump">4,264<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">3,931<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_bbva_FinancialInstrumentsLevel3Axis=ifrs-full_ClassesOfLiabilitiesDomain', window );">Classes of liabilities [domain]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_FinancialInstrumentsLevel3ChangesInTheYearLineItems', window );"><strong>Financial instruments level 3 Changes in the year [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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_FinancialInstrumentsLevel3Total', window );">Financial instruments level 3 total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,467<span></span>
</td>
<td class="nump">2,743<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">2,054<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_GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities', window );">Gains (losses) recognised in profit or loss on exchange differences, fair value measurement, liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">144<span></span>
</td>
<td class="nump">113<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(131)<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_ChangesInFairValueNotRecognizedInProfitAndLoss', window );">Changes in fair value not recognized in profit and loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">14<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_AcquisitionsDisposalsAndLiquidations', window );">Acquisitions disposals and liquidations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(59)<span></span>
</td>
<td class="nump">374<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">782<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_NetTransfersToLevel3', window );">Net transfers to level 3</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(165)<span></span>
</td>
<td class="nump">204<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">74<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_ExchangeDifferencesAndOthers', window );">Exchange differences and others</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(67)<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(50)<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_FinancialInstrumentsLevel3Total', window );">Financial instruments level 3 total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 3,321<span></span>
</td>
<td class="nump">&#8364; 3,467<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">&#8364; 2,743<span></span>
</td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(2) Profit or loss that is attributable to gains or losses relating to those financial assets and liabilities held as of December 31, 2024, 2023 and 2022. Valuation adjustments are recorded under the heading &#8220;Gains (losses) on financial assets and liabilities (net)&#8221;</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Acquisitions disposals and liquidations</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">
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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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exchange differences and others</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">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial instruments level 3 Changes in the year</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial instruments level 3 total</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">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net transfers to level 3</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) on exchange differences, recognised in profit or loss, on the fair value measurement of assets. [Refer: At fair value [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 IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) on exchange differences, recognised in profit or loss, on the fair value measurement of liabilities. [Refer: At fair value [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 IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 8 Transfer between levels (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
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<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
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<td class="nump">&#8364; 107<span></span>
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<td class="nump">&#8364; 596<span></span>
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<td class="nump">&#8364; 524<span></span>
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<td class="nump">0<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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<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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<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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<td class="text">&#160;<span></span>
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<td class="nump">107<span></span>
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<td class="nump">596<span></span>
</td>
<td class="nump">524<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_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">0<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level 1 Of Fair Value Hierarchy [Member] | Financial assets held for trading [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of Level 1 into Level 2 of fair value hierarchy, assets held at end of reporting period</a></td>
<td class="nump">115<span></span>
</td>
<td class="nump">887<span></span>
</td>
<td class="nump">683<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_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="nump">1<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level 1 Of Fair Value Hierarchy [Member] | Non trading financial assets mandatorily at fair value through profit or loss [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of Level 1 into Level 2 of fair value hierarchy, assets held at end of reporting period</a></td>
<td class="nump">68<span></span>
</td>
<td class="nump">1<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_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">135<span></span>
</td>
<td class="nump">0<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level 1 Of Fair Value Hierarchy [Member] | Financial assets at fair value through profit or loss, category [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of Level 1 into Level 2 of fair value hierarchy, assets held at end of reporting period</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_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, 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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level 1 Of Fair Value Hierarchy [Member] | Financial assets at fair value through other comprehensive income, category [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of Level 1 into Level 2 of fair value hierarchy, assets held at end of reporting period</a></td>
<td class="nump">1,425<span></span>
</td>
<td class="nump">1,191<span></span>
</td>
<td class="nump">1,723<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_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="nump">0<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level 1 Of Fair Value Hierarchy [Member] | Derivatives [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of Level 1 into Level 2 of fair value hierarchy, assets held at end of reporting period</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_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, 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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level 1 Of Fair Value Hierarchy [Member] | Total transferred financial assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of Level 1 into Level 2 of fair value hierarchy, assets held at end of reporting period</a></td>
<td class="nump">1,608<span></span>
</td>
<td class="nump">2,079<span></span>
</td>
<td class="nump">2,407<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_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">31<span></span>
</td>
<td class="nump">190<span></span>
</td>
<td class="nump">1<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Financial liabilities held for trading [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, liabilities held at end of reporting period</a></td>
<td class="nump">461<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="nump">239<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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</a></td>
<td class="nump">45<span></span>
</td>
<td class="nump">177<span></span>
</td>
<td class="nump">141<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, liabilities held at end of reporting period</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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</a></td>
<td class="nump">301<span></span>
</td>
<td class="nump">660<span></span>
</td>
<td class="nump">221<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Derivatives [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, liabilities held at end of reporting period</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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">25<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Total transferred financial liabilities [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, liabilities held at end of reporting period</a></td>
<td class="nump">461<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="nump">239<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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</a></td>
<td class="nump">346<span></span>
</td>
<td class="nump">837<span></span>
</td>
<td class="nump">387<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Financial assets held for trading [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, assets held at end of reporting period</a></td>
<td class="nump">1,238<span></span>
</td>
<td class="nump">89<span></span>
</td>
<td class="nump">1,909<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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</a></td>
<td class="nump">78<span></span>
</td>
<td class="nump">666<span></span>
</td>
<td class="nump">340<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Non trading financial assets mandatorily at fair value through profit or loss [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, assets held at end of reporting period</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">243<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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">70<span></span>
</td>
<td class="nump">0<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Financial assets at fair value through profit or loss, category [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, assets held at end of reporting period</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">123<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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Financial assets at fair value through other comprehensive income, category [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, assets held at end of reporting period</a></td>
<td class="nump">1,348<span></span>
</td>
<td class="nump">1,296<span></span>
</td>
<td class="nump">715<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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">205<span></span>
</td>
<td class="nump">0<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Derivatives [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, assets held at end of reporting period</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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member] | Total transferred financial assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets', window );">Transfers out of Level 2 into Level 1 of fair value hierarchy, assets held at end of reporting period</a></td>
<td class="nump">2,586<span></span>
</td>
<td class="nump">1,385<span></span>
</td>
<td class="nump">2,990<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_TransfersOutOfLevel2IntoLevel3', window );">Transfers out of level 2 into level 3</a></td>
<td class="nump">90<span></span>
</td>
<td class="nump">941<span></span>
</td>
<td class="nump">340<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Financial liabilities held for trading [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">1<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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities', window );">Transfers out of level 3 into level 2 of fair value hierarchy liabilities</a></td>
<td class="nump">380<span></span>
</td>
<td class="nump">372<span></span>
</td>
<td class="nump">258<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities', window );">Transfers out of level 3 into level 2 of fair value hierarchy liabilities</a></td>
<td class="nump">121<span></span>
</td>
<td class="nump">262<span></span>
</td>
<td class="nump">55<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Derivatives [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities', window );">Transfers out of level 3 into level 2 of fair value hierarchy liabilities</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Total transferred financial liabilities [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">1<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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities', window );">Transfers out of level 3 into level 2 of fair value hierarchy liabilities</a></td>
<td class="nump">501<span></span>
</td>
<td class="nump">635<span></span>
</td>
<td class="nump">313<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Financial assets held for trading [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">24<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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of level 3 into level 2 of fair value hierarchy assets</a></td>
<td class="nump">199<span></span>
</td>
<td class="nump">497<span></span>
</td>
<td class="nump">911<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Non trading financial assets mandatorily at fair value through profit or loss [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">35<span></span>
</td>
<td class="nump">0<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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of level 3 into level 2 of fair value hierarchy assets</a></td>
<td class="nump">18<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Financial assets at fair value through profit or loss, category [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, 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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of level 3 into level 2 of fair value hierarchy 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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Financial assets at fair value through other comprehensive income, category [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">103<span></span>
</td>
<td class="nump">18<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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of level 3 into level 2 of fair value hierarchy assets</a></td>
<td class="nump">170<span></span>
</td>
<td class="nump">243<span></span>
</td>
<td class="nump">83<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Derivatives [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, 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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of level 3 into level 2 of fair value hierarchy 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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member] | Total transferred financial assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LevelTransfersLineItems', window );"><strong>Level transfers [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">64<span></span>
</td>
<td class="nump">103<span></span>
</td>
<td class="nump">95<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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets', window );">Transfers out of level 3 into level 2 of fair value hierarchy assets</a></td>
<td class="nump">&#8364; 387<span></span>
</td>
<td class="nump">&#8364; 740<span></span>
</td>
<td class="nump">&#8364; 996<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelTransfersLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Level transfers</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_LevelTransfersLineItems</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_TransfersOutOfLevel2IntoLevel3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers out of level 2 into level 3</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_TransfersOutOfLevel2IntoLevel3</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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers out of level 3 into level 2 of fair value hierarchy 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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets</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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers out of level 3 into level 2 of fair value hierarchy 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_TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities</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_TransfersIntoLevel3OfFairValueHierarchyAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 transfers of assets into Level 3 of the fair value hierarchy. [Refer: Level 3 of fair value hierarchy [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 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e_iv&amp;doctype=Standard<br> -URIDate 2024-03-27<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_TransfersIntoLevel3OfFairValueHierarchyAssets</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_TransfersIntoLevel3OfFairValueHierarchyLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 transfers of liabilities into Level 3 of the fair value hierarchy. [Refer: Level 3 of fair value hierarchy [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 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e_iv&amp;doctype=Standard<br> -URIDate 2024-03-27<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_TransfersIntoLevel3OfFairValueHierarchyLiabilities</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_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 transfers out of Level 1 and into Level 2 of the fair value hierarchy of assets held at the end of the reporting period. [Refer: Level 1 of fair value hierarchy [member]; Level 2 of fair value hierarchy [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 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets</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_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 transfers out of Level 1 and into Level 2 of the fair value hierarchy of liabilities held at the end of the reporting period. [Refer: Level 1 of fair value hierarchy [member]; Level 2 of fair value hierarchy [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 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities</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_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 transfers out of Level 2 and into Level 1 of the fair value hierarchy of assets held at the end of the reporting period. [Refer: Level 1 of fair value hierarchy [member]; Level 2 of fair value hierarchy [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 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets</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_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 transfers out of Level 2 and into Level 1 of the fair value hierarchy of liabilities held at the end of the reporting period. [Refer: Level 1 of fair value hierarchy [member]; Level 2 of fair value hierarchy [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 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities</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_TransfersOutOfLevel3OfFairValueHierarchyAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 transfers of assets out of Level 3 of the fair value hierarchy. [Refer: Level 3 of fair value hierarchy [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 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e_iv&amp;doctype=Standard<br> -URIDate 2024-03-27<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_TransfersOutOfLevel3OfFairValueHierarchyAssets</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_TransfersOutOfLevel3OfFairValueHierarchyLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 transfers of liabilities out of Level 3 of the fair value hierarchy. [Refer: Level 3 of fair value hierarchy [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 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e_iv&amp;doctype=Standard<br> -URIDate 2024-03-27<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_TransfersOutOfLevel3OfFairValueHierarchyLiabilities</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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialLiabilitiesAxis=bbva_FinancialLiabilitiesHeldForTradingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialLiabilitiesAxis=bbva_FinancialLiabilitiesHeldForTradingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialLiabilitiesAxis=ifrs-full_DerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialLiabilitiesAxis=ifrs-full_DerivativesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialLiabilitiesAxis=bbva_TotalTransferredFinancialLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialLiabilitiesAxis=bbva_TotalTransferredFinancialLiabilitiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialAssetsAxis=bbva_FinancialAssetsHeldForTradingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialAssetsAxis=bbva_FinancialAssetsHeldForTradingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialAssetsAxis=bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialAssetsAxis=bbva_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialAssetsAxis=ifrs-full_DerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialAssetsAxis=ifrs-full_DerivativesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredFinancialAssetsAxis=bbva_TotalTransferredFinancialAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TransferredFinancialAssetsAxis=bbva_TotalTransferredFinancialAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember">
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<td style="white-space:nowrap;">ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember</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>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>178
<FILENAME>R159.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535419760">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 8 Financial instruments level 3 sensitivity analysis (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="num">&#8364; (59,002,000)<span></span>
</td>
<td class="num">&#8364; (62,205,000)<span></span>
</td>
<td colspan="2" class="num">&#8364; (65,374,000)<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Most favorable hypothesis [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">48,000<span></span>
</td>
<td class="nump">21,000<span></span>
</td>
<td colspan="2" class="text">&#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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Non trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">9,000<span></span>
</td>
<td class="nump">5,000<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" 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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsLevel3Total', window );">Financial assets level 3 total</a></td>
<td class="nump">57,000<span></span>
</td>
<td class="nump">26,000<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialLiabilitiesHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">12,000<span></span>
</td>
<td class="nump">13,000<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialLiabilitiesLevel3Total', window );">Financial liabilities level 3 total</a></td>
<td class="nump">12,000<span></span>
</td>
<td class="nump">13,000<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Most favorable hypothesis [Member] | Loans and receivables, category [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">4,000<span></span>
</td>
<td class="nump">2,000<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Most favorable hypothesis [Member] | Debt securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">37,000<span></span>
</td>
<td class="nump">9,000<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Non trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">3,000<span></span>
</td>
<td class="nump">3,000<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Most favorable hypothesis [Member] | equity instruments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Non trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">6,000<span></span>
</td>
<td class="nump">2,000<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Most favorable hypothesis [Member] | Derivatives [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">6,000<span></span>
</td>
<td class="nump">9,000<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Least favorable hypothesis [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="num">(89,000)<span></span>
</td>
<td class="num">(117,000)<span></span>
</td>
<td colspan="2" class="text">&#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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Non trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="num">(85,000)<span></span>
</td>
<td class="num">(114,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" 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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsLevel3Total', window );">Financial assets level 3 total</a></td>
<td class="num">(173,000)<span></span>
</td>
<td class="num">(230,000)<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialLiabilitiesHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="num">(13,000)<span></span>
</td>
<td class="num">(18,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialLiabilitiesLevel3Total', window );">Financial liabilities level 3 total</a></td>
<td class="num">(13,000)<span></span>
</td>
<td class="num">(18,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Least favorable hypothesis [Member] | Loans and receivables, category [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="num">(4,000)<span></span>
</td>
<td class="num">(2,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Least favorable hypothesis [Member] | Debt securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="num">(61,000)<span></span>
</td>
<td class="num">(22,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Non trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="num">(7,000)<span></span>
</td>
<td class="num">(21,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Least favorable hypothesis [Member] | equity instruments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="num">(17,000)<span></span>
</td>
<td class="num">(83,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Non trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="num">(78,000)<span></span>
</td>
<td class="num">(92,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember', window );">Potential impact on consolidated income statement [Member] | Least favorable hypothesis [Member] | Derivatives [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="num">(6,000)<span></span>
</td>
<td class="num">(9,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Most favorable hypothesis [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<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_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" 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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="num">(48,000)<span></span>
</td>
<td class="num">(34,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsLevel3Total', window );">Financial assets level 3 total</a></td>
<td class="nump">48,000<span></span>
</td>
<td class="nump">34,000<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialLiabilitiesHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialLiabilitiesLevel3Total', window );">Financial liabilities level 3 total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Most favorable hypothesis [Member] | Loans and receivables, category [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Most favorable hypothesis [Member] | Debt securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Most favorable hypothesis [Member] | equity instruments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Most favorable hypothesis [Member] | Derivatives [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Least favorable hypothesis [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<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_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" 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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="num">(90,000)<span></span>
</td>
<td class="num">(89,000)<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialAssetsLevel3Total', window );">Financial assets level 3 total</a></td>
<td class="num">(90,000)<span></span>
</td>
<td class="num">(89,000)<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialLiabilitiesHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_FinancialLiabilitiesLevel3Total', window );">Financial liabilities level 3 total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Least favorable hypothesis [Member] | Loans and receivables, category [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Least favorable hypothesis [Member] | Debt securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Least favorable hypothesis [Member] | equity instruments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="text">&#160;<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">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 colspan="2" class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember', window );">Potential impact on other comprehensive income [Member] | Least favorable hypothesis [Member] | Derivatives [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems', window );"><strong>Financial assets Level 3 sensitivity analysis [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_FinancialAssetsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_FinancialAssetsHeldForTrading</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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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_bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Level 3 sensitivity analysis</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_FinancialAssetsLevel3SensitivityAnalysisLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
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<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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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsLevel3Total">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 level 3 total</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_FinancialAssetsLevel3Total</td>
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<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>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_FinancialLiabilitiesHeldForTrading</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_FinancialLiabilitiesLevel3Total">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 level 3 total</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_FinancialLiabilitiesLevel3Total</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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss</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_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 2024-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnConsolidatedIncomeStatementMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis=bbva_MostFavorableHypothesisMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis=bbva_MostFavorableHypothesisMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis=ifrs-full_LoansAndReceivablesCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsLevel3SensitivityAnalysisAxis=ifrs-full_LoansAndReceivablesCategoryMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsLevel3SensitivityAnalysisAxis=ifrs-full_DebtSecuritiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis=bbva_EquityInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsLevel3SensitivityAnalysisAxis=bbva_EquityInstrumentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsLevel3SensitivityAnalysisAxis=ifrs-full_DerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsLevel3SensitivityAnalysisAxis=ifrs-full_DerivativesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis=bbva_LeastFavorableHypothesisMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis=bbva_LeastFavorableHypothesisMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis=bbva_PotentialImpactOnOtherComprehensiveIncomeMember</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>
</div>
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</html>
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<TYPE>XML
<SEQUENCE>179
<FILENAME>R160.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572118864">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 8 Fair value of financial instruments at amortized cost by levels (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="2"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2021</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_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems', window );"><strong>Fair value of financial instruments at amortized cost by levels [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">&#8364; 51,145<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 75,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 79,756<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 67,799<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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">502,400<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">451,732<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">414,421<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">59,014<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">49,462<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">36,639<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[3],[4]</sup></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortised cost</a></td>
<td class="nump">443,386<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">402,270<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">377,782<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="nump">584,339<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">557,589<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">529,172<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></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_DepositsAtAmortisedCost', window );">Deposits at amortised cost</a></td>
<td class="nump">496,720<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">473,835<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">459,662<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="nump">69,867<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">68,707<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">55,429<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">17,753<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">15,046<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">14,081<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5],[6]</sup></td>
<td class="text">&#160;<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_LevelsOfFairValueHierarchyAxis=bbva_CarryingAmountPresentedAsFairValueMember', window );">Carrying amount presented as fair value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems', window );"><strong>Fair value of financial instruments at amortized cost by levels [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">51,145<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></td>
<td class="nump">75,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">79,756<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">32,615<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></td>
<td class="nump">34,826<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">33,953<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortised cost</a></td>
<td class="nump">32,615<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></td>
<td class="nump">34,826<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">33,953<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="nump">378,530<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></td>
<td class="nump">358,657<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">380,520<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></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_DepositsAtAmortisedCost', window );">Deposits at amortised cost</a></td>
<td class="nump">360,777<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></td>
<td class="nump">343,611<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">369,387<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">17,753<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[7]</sup></td>
<td class="nump">15,046<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[8]</sup></td>
<td class="nump">11,132<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="text">&#160;<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level 1 Of Fair Value Hierarchy [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems', window );"><strong>Fair value of financial instruments at amortized cost by levels [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">50,771<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">41,950<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">26,239<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">50,771<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">41,950<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">26,239<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="nump">47,323<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">42,742<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">40,752<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,269<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,810<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="nump">47,323<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">41,472<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">37,942<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level 2 Of Fair Value Hierarchy [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems', window );"><strong>Fair value of financial instruments at amortized cost by levels [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">24,157<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,533<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,580<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">6,589<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,244<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9,313<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortised cost</a></td>
<td class="nump">17,568<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,290<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,267<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="nump">58,016<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">86,390<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">43,205<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortised cost</a></td>
<td class="nump">37,647<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">62,049<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">35,965<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="nump">20,369<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">24,341<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">7,240<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level 3 Of Fair Value Hierarchy [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems', window );"><strong>Fair value of financial instruments at amortized cost by levels [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">394,496<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">359,062<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">342,194<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">921<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">759<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">759<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortised cost</a></td>
<td class="nump">393,575<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">358,303<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">341,435<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="nump">101,025<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">68,127<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">61,118<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortised cost</a></td>
<td class="nump">98,038<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">64,601<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">49,731<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="nump">2,986<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,526<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,368<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,019<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_LevelsOfFairValueHierarchyAxis=ifrs-full_AggregateOfFairValuesMember', window );">Aggregate of fair values [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems', window );"><strong>Fair value of financial instruments at amortized cost by levels [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">51,145<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">75,416<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">79,756<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">502,039<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">446,371<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">412,965<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">58,281<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">48,952<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">36,311<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortised cost</a></td>
<td class="nump">443,759<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">397,418<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">376,655<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="nump">584,894<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">555,915<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">525,595<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortised cost</a></td>
<td class="nump">496,461<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">471,530<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">457,894<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="nump">70,679<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">69,339<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">53,550<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">&#8364; 17,753<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 15,046<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 14,151<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="8"></td></tr>
<tr><td colspan="8"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[6]</td>
<td style="vertical-align: top;" valign="top"><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:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[7]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[8]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[9]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(2) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.</span></div></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_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 of financial instruments at amortized cost by levels</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_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
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<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 2024-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DebtInstrumentsHeldAtAmortisedCost">
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<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 representing indebtedness held by the entity at amortised cost. [Refer: Debt instruments held; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtAmortisedCost</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsIssuedAtAmortisedCost</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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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_DepositsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held by the entity at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsAtAmortisedCost</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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<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 2024-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<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 2024-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made at amortised cost. [Refer: Loans and advances; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<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 2024-01-01<br> -Paragraph 54<br> -Subparagraph m<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 9 Cash Cash Balances At Central Banks And Other Demand Deposits (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</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_bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems', window );"><strong>Cash Cash balances at central banks and other demand deposits [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>
<td class="fn" style="border-bottom: 0px;"></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">&#8364; 8,636<span></span>
</td>
<td class="nump">&#8364; 7,751<span></span>
</td>
<td class="nump">&#8364; 6,533<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">35,306<span></span>
</td>
<td class="nump">60,750<span></span>
</td>
<td class="nump">67,314<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherFinancialAssets', window );">Other financial assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,202<span></span>
</td>
<td class="nump">6,916<span></span>
</td>
<td class="nump">5,909<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashAndCashEquivalents', window );">Cash and cash equivalents</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 51,145<span></span>
</td>
<td class="nump">&#8364; 75,416<span></span>
</td>
<td class="nump">&#8364; 79,756<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">&#8364; 67,799<span></span>
</td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The variation is mainly due to the evolution of the balances held in the Bank of Spain.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cash Cash balances at central banks and other demand deposits</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">
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<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 2024-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<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 2024-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<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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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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_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 2024-01-01<br> -Paragraph 54<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537478560">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 10 Financial assets and liabilities held for trading (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems', window );"><strong>Disclosure of financial instruments held for trading [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>
<td class="fn" style="border-bottom: 0px;"></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></sup></td>
<td class="nump">&#8364; 36,003<span></span>
</td>
<td class="nump">&#8364; 34,293<span></span>
</td>
<td class="nump">&#8364; 39,908<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Equity instruments held 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">6,760<span></span>
</td>
<td class="nump">4,589<span></span>
</td>
<td class="nump">4,404<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">27,955<span></span>
</td>
<td class="nump">28,569<span></span>
</td>
<td class="nump">24,367<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Loans and advances 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">38,230<span></span>
</td>
<td class="nump">73,590<span></span>
</td>
<td class="nump">41,993<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_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">556<span></span>
</td>
<td class="nump">2,809<span></span>
</td>
<td class="nump">1,632<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Loans and advances to credit institutions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">20,938<span></span>
</td>
<td class="nump">56,599<span></span>
</td>
<td class="nump">25,231<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">loans and advances to customers held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16,736<span></span>
</td>
<td class="nump">14,182<span></span>
</td>
<td class="nump">15,130<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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">108,948<span></span>
</td>
<td class="nump">141,042<span></span>
</td>
<td class="nump">110,671<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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></sup></td>
<td class="nump">33,059<span></span>
</td>
<td class="nump">33,045<span></span>
</td>
<td class="nump">37,909<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_ShortPositionsFinancialLiabilitiesHeldForTrading', window );">Short positions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,878<span></span>
</td>
<td class="nump">15,735<span></span>
</td>
<td class="nump">13,487<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_DepositsFinancialLiabilitiesHeldForTrading', window );">Deposits financial liabilities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">39,654<span></span>
</td>
<td class="nump">72,935<span></span>
</td>
<td class="nump">44,215<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCentralBanksHeldForTrading', window );">Deposits from central banks held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,360<span></span>
</td>
<td class="nump">6,397<span></span>
</td>
<td class="nump">3,950<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Deposits from credit institutions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16,285<span></span>
</td>
<td class="nump">43,337<span></span>
</td>
<td class="nump">28,924<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Customer deposits held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">20,010<span></span>
</td>
<td class="nump">23,201<span></span>
</td>
<td class="nump">11,341<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities at fair value through profit or loss that meet definition of held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">86,591<span></span>
</td>
<td class="nump">121,715<span></span>
</td>
<td class="nump">95,611<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_ReverseRepurchaseAgreementAxis=bbva_ReverseRepurchaseAgreementsMember', window );">Reverse repurchase agreements [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems', window );"><strong>Disclosure of financial instruments held for trading [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>
<td class="fn" style="border-bottom: 0px;"></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">556<span></span>
</td>
<td class="nump">2,809<span></span>
</td>
<td class="nump">1,632<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Loans and advances to credit institutions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">20,918<span></span>
</td>
<td class="nump">56,569<span></span>
</td>
<td class="nump">25,201<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">loans and advances to customers held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,108<span></span>
</td>
<td class="nump">13,615<span></span>
</td>
<td class="nump">14,832<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ReverseRepurchaseAgreementAxis=bbva_RepurchaseAgreementMember', window );">Repurchase agreement [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems', window );"><strong>Disclosure of financial instruments held for trading [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>
<td class="fn" style="border-bottom: 0px;"></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">3,360<span></span>
</td>
<td class="nump">6,397<span></span>
</td>
<td class="nump">3,950<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Deposits from credit institutions held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">15,994<span></span>
</td>
<td class="nump">42,676<span></span>
</td>
<td class="nump">28,573<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading', window );">Customer deposits held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,913<span></span>
</td>
<td class="nump">23,157<span></span>
</td>
<td class="nump">11,302<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems', window );"><strong>Disclosure of financial instruments held for trading [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>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Equity instruments held 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">393<span></span>
</td>
<td class="nump">277<span></span>
</td>
<td class="nump">317<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_OtherSectorsMember', window );">Other sectors [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems', window );"><strong>Disclosure of financial instruments held for trading [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>
<td class="fn" style="border-bottom: 0px;"></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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Equity instruments held 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">6,367<span></span>
</td>
<td class="nump">4,312<span></span>
</td>
<td class="nump">4,086<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_IssuedByCentralBanksMember', window );">Issued by central banks [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems', window );"><strong>Disclosure of financial instruments held for trading [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">768<span></span>
</td>
<td class="nump">740<span></span>
</td>
<td class="nump">821<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_IssuedByPublicAdministrationsMember', window );">Issued by public administrations [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems', window );"><strong>Disclosure of financial instruments held for trading [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">23,671<span></span>
</td>
<td class="nump">24,766<span></span>
</td>
<td class="nump">20,703<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_IssuedByFinancialInstitutionsMember', window );">Issued by financial institutions [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems', window );"><strong>Disclosure of financial instruments held for trading [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,665<span></span>
</td>
<td class="nump">1,824<span></span>
</td>
<td class="nump">1,365<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_OtherDebtInstrumentsMember', window );">Other debt instruments [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems', window );"><strong>Disclosure of financial instruments held for trading [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Debt instruments held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 1,852<span></span>
</td>
<td class="nump">&#8364; 1,239<span></span>
</td>
<td class="nump">&#8364; 1,477<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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 variation is mainly due to the evolution of "Reverse repurchase agreement" of BBVA, S.A. partially offset by the evolution of "Repurchase agreement" principally of BBVA, S.A</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_DepositsFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial liabilities 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_DepositsFinancialLiabilitiesHeldForTrading</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_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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of financial assets &amp; liabilities 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_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems</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_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_ShortPositionsFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial liabilities 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_ShortPositionsFinancialLiabilitiesHeldForTrading</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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity at fair value through profit or loss classified as held for trading. [Refer: Debt instruments held; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss that meet the definition of held for trading. [Refer: 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromBanksAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading</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_DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss that meet the definition of held for trading. [Refer: 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromCustomersAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading</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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held by the entity that provide evidence of a residual interest in the assets of another entity after deducting all of its liabilities, classified as held for trading. [Refer: Equity instruments held; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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, mandatorily measured at fair 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/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing 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: 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 2024-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss classified as held for trading. [Refer: Loans and advances; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss classified as held for trading. [Refer: Loans and advances to banks; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToBanksAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at fair value through profit or loss classified as held for trading. [Refer: Loans and advances to customers; 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</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_bbva_ReverseRepurchaseAgreementAxis=bbva_ReverseRepurchaseAgreementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ReverseRepurchaseAgreementAxis=bbva_ReverseRepurchaseAgreementsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ReverseRepurchaseAgreementAxis=bbva_RepurchaseAgreementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ReverseRepurchaseAgreementAxis=bbva_RepurchaseAgreementMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_CreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_CreditInstitutionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_OtherSectorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_OtherSectorsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_IssuedByCentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_IssuedByCentralBanksMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_IssuedByPublicAdministrationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_IssuedByPublicAdministrationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_IssuedByFinancialInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis=bbva_IssuedByFinancialInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<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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<td><strong> Period Type:</strong></td>
<td></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561407408">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 10 Derivatives by type of risk and by product or by type of market (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">&#8364; 36,003<span></span>
</td>
<td class="nump">&#8364; 34,293<span></span>
</td>
<td class="nump">&#8364; 39,908<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">33,059<span></span>
</td>
<td class="nump">33,045<span></span>
</td>
<td class="nump">37,909<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_DerivativesAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk [member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">11,588<span></span>
</td>
<td class="nump">15,251<span></span>
</td>
<td class="nump">19,563<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">9,627<span></span>
</td>
<td class="nump">13,171<span></span>
</td>
<td class="nump">18,220<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">4,951,022<span></span>
</td>
<td class="nump">4,741,629<span></span>
</td>
<td class="nump">4,286,531<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk [member] | OTC Options [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="nump">11,579<span></span>
</td>
<td class="nump">15,248<span></span>
</td>
<td class="nump">19,558<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">9,622<span></span>
</td>
<td class="nump">13,167<span></span>
</td>
<td class="nump">18,215<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">4,930,657<span></span>
</td>
<td class="nump">4,722,314<span></span>
</td>
<td class="nump">4,278,249<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk [member] | Organized market options [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">10<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">20,365<span></span>
</td>
<td class="nump">19,315<span></span>
</td>
<td class="nump">8,282<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=bbva_EquityInstrumentsRiskMember', window );">Equity instruments risk [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="nump">2,944<span></span>
</td>
<td class="nump">2,587<span></span>
</td>
<td class="nump">3,067<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">4,303<span></span>
</td>
<td class="nump">3,723<span></span>
</td>
<td class="nump">3,770<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">75,045<span></span>
</td>
<td class="nump">70,804<span></span>
</td>
<td class="nump">76,749<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=bbva_EquityInstrumentsRiskMember', window );">Equity instruments risk [Member] | OTC Options [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">682<span></span>
</td>
<td class="nump">1,212<span></span>
</td>
<td class="nump">1,810<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">2,347<span></span>
</td>
<td class="nump">2,551<span></span>
</td>
<td class="nump">2,127<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">38,612<span></span>
</td>
<td class="nump">49,038<span></span>
</td>
<td class="nump">52,739<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=bbva_EquityInstrumentsRiskMember', window );">Equity instruments risk [Member] | Organized market options [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="nump">2,261<span></span>
</td>
<td class="nump">1,375<span></span>
</td>
<td class="nump">1,257<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">1,956<span></span>
</td>
<td class="nump">1,172<span></span>
</td>
<td class="nump">1,643<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">36,433<span></span>
</td>
<td class="nump">21,767<span></span>
</td>
<td class="nump">24,010<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=bbva_ForeignExchangeAndGoldRiskMember', window );">Foreign exchange and gold risk [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">21,060<span></span>
</td>
<td class="nump">15,911<span></span>
</td>
<td class="nump">16,971<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">18,704<span></span>
</td>
<td class="nump">15,608<span></span>
</td>
<td class="nump">15,528<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">825,158<span></span>
</td>
<td class="nump">632,780<span></span>
</td>
<td class="nump">589,705<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=bbva_ForeignExchangeAndGoldRiskMember', window );">Foreign exchange and gold risk [Member] | OTC Options [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="nump">21,056<span></span>
</td>
<td class="nump">15,889<span></span>
</td>
<td class="nump">16,954<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">18,698<span></span>
</td>
<td class="nump">15,590<span></span>
</td>
<td class="nump">15,505<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">810,770<span></span>
</td>
<td class="nump">623,203<span></span>
</td>
<td class="nump">580,850<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=bbva_ForeignExchangeAndGoldRiskMember', window );">Foreign exchange and gold risk [Member] | Organized market options [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">4<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">18<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">14,388<span></span>
</td>
<td class="nump">9,577<span></span>
</td>
<td class="nump">8,855<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_CreditRiskMember', window );">Credit risk [member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="nump">386<span></span>
</td>
<td class="nump">543<span></span>
</td>
<td class="nump">299<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">375<span></span>
</td>
<td class="nump">542<span></span>
</td>
<td class="nump">383<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">42,799<span></span>
</td>
<td class="nump">31,478<span></span>
</td>
<td class="nump">43,450<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_CreditRiskMember', window );">Credit risk [member] | Credit default swap contract [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">349<span></span>
</td>
<td class="nump">540<span></span>
</td>
<td class="nump">293<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">369<span></span>
</td>
<td class="nump">528<span></span>
</td>
<td class="nump">282<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">40,847<span></span>
</td>
<td class="nump">29,844<span></span>
</td>
<td class="nump">41,760<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_CreditRiskMember', window );">Credit risk [member] | Credit spread option contract [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets 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>
<td class="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</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="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_CreditRiskMember', window );">Credit risk [member] | Total return swap contract [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">37<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="nump">101<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,952<span></span>
</td>
<td class="nump">1,475<span></span>
</td>
<td class="nump">1,665<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_CreditRiskMember', window );">Credit risk [member] | Other [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets 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>
<td class="fn" style="border-bottom: 0px;"></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="nump">6<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">159<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=bbva_CommoditiesRiskMember', window );">Commodities risk [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">25<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">50<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,939<span></span>
</td>
<td class="nump">169<span></span>
</td>
<td class="nump">60<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_DerivativesMember', window );">Derivatives [member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="nump">36,003<span></span>
</td>
<td class="nump">34,293<span></span>
</td>
<td class="nump">39,908<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">33,059<span></span>
</td>
<td class="nump">33,045<span></span>
</td>
<td class="nump">37,909<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">5,895,964<span></span>
</td>
<td class="nump">5,476,860<span></span>
</td>
<td class="nump">4,996,495<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_DerivativesMember', window );">Derivatives [member] | Of which OTC credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">26,039<span></span>
</td>
<td class="nump">23,998<span></span>
</td>
<td class="nump">28,385<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">23,135<span></span>
</td>
<td class="nump">23,977<span></span>
</td>
<td class="nump">26,454<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,742,720<span></span>
</td>
<td class="nump">1,463,433<span></span>
</td>
<td class="nump">1,205,895<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_DerivativesMember', window );">Derivatives [member] | Of which OTC other financial corporations [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="nump">3,383<span></span>
</td>
<td class="nump">5,042<span></span>
</td>
<td class="nump">5,745<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">4,212<span></span>
</td>
<td class="nump">4,412<span></span>
</td>
<td class="nump">4,493<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,914,640<span></span>
</td>
<td class="nump">3,815,162<span></span>
</td>
<td class="nump">3,587,546<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DerivativesAxis=ifrs-full_DerivativesMember', window );">Derivatives [member] | Of which OTC other [Member]</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="fn" style="border-bottom: 0px;"></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems', window );"><strong>Derivatives by type of risk by product or by type of market [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">4,306<span></span>
</td>
<td class="nump">3,854<span></span>
</td>
<td class="nump">4,501<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities held for trading</a></td>
<td class="nump">3,744<span></span>
</td>
<td class="nump">3,461<span></span>
</td>
<td class="nump">5,290<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">&#8364; 166,402<span></span>
</td>
<td class="nump">&#8364; 147,310<span></span>
</td>
<td class="nump">&#8364; 161,882<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivatives by type of risk by product or by type of market</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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems</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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_NotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 or face amount of a financial instrument, used to calculate payments made on that instrument.</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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_NotionalAmount</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>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DerivativesAxis=ifrs-full_InterestRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DerivativesAxis=ifrs-full_InterestRateRiskMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_OTCOptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_OTCOptionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_OrganizedMarketOptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_OrganizedMarketOptionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DerivativesAxis=bbva_EquityInstrumentsRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DerivativesAxis=bbva_EquityInstrumentsRiskMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DerivativesAxis=bbva_ForeignExchangeAndGoldRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DerivativesAxis=bbva_ForeignExchangeAndGoldRiskMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DerivativesAxis=ifrs-full_CreditRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DerivativesAxis=ifrs-full_CreditRiskMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_CreditDefaultSwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_CreditDefaultSwapContractMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_CreditSpreadOptionContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_CreditSpreadOptionContractMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_TotalReturnSwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_TotalReturnSwapContractMember</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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<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;">bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_OtherMember</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><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;">bbva_DerivativesAxis=bbva_CommoditiesRiskMember</td>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DerivativesAxis=ifrs-full_DerivativesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<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;">bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_OfWhichOTCCreditInstitutionsMember</td>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_OfWhichOTCOtherFinancialCorporationsMember</td>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeOfRiskProductOrMarketOfDerivativesAxis=bbva_OfWhichOTCOtherMember</td>
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<TEXT>
<html>
<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572444336">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 11 Non trading financial assets at fair value through profit or loss mandatorily measured at fair value (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems', window );"><strong>Non trading financial assets at fair value through profit or loss mandatorily measured at fair value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Equity instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="nump">&#8364; 9,782<span></span>
</td>
<td class="nump">&#8364; 7,963<span></span>
</td>
<td colspan="2" class="nump">&#8364; 6,511<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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Debt instruments held at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="nump">407<span></span>
</td>
<td class="nump">484<span></span>
</td>
<td colspan="2" class="nump">129<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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading', window );">Loans and advances to customers at fair value through profit or loss, mandatorily measured at fair value, other than those classified as held for trading</a></td>
<td class="nump">358<span></span>
</td>
<td class="nump">290<span></span>
</td>
<td colspan="2" class="nump">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_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss, mandatorily measured at fair value</a></td>
<td class="nump">&#8364; 10,546<span></span>
</td>
<td class="nump">&#8364; 8,737<span></span>
</td>
<td colspan="2" class="nump">&#8364; 6,888<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 trading financial assets 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_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<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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</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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity that are mandatorily measured at fair value through profit or loss in accordance with IFRS 9, other than those classified as held for trading. [Refer: Debt instruments held; Financial assets at fair value through profit or loss, mandatorily measured at fair value, other than those 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading</td>
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<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>
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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>The amount of instruments held by the entity that provide evidence of a residual interest in the assets of another entity after deducting all of its liabilities, mandatorily measured at fair value through profit or loss in accordance with IFRS 9, other than those classified as held for trading. [Refer: Equity instruments held; Financial assets at fair value through profit or loss, mandatorily measured at fair value, other than those 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading</td>
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<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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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<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 2024-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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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>The amount of loans and advances the entity has made to customers that are mandatorily measured at fair value through profit or loss in accordance with IFRS 9, other than those classified as held for trading. [Refer: Loans and advances to customers; Financial assets at fair value through profit or loss, mandatorily measured at fair value, other than those 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading</td>
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<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
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<TEXT>
<html>
<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571974640">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 12 Financial Instruments Designated At Fair Value Through Profit Or Loss (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems', window );"><strong>Financial assets and liabilities designated at fair value through profit or loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Debt securities at fair value through profit or loss</a></td>
<td class="nump">&#8364; 836<span></span>
</td>
<td class="nump">&#8364; 955<span></span>
</td>
<td colspan="2" class="nump">&#8364; 913<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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Customer deposits designated at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="nump">934<span></span>
</td>
<td class="nump">717<span></span>
</td>
<td colspan="2" class="nump">700<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_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Debt securities at fair value through profit or loss</a></td>
<td class="nump">4,597<span></span>
</td>
<td class="nump">3,977<span></span>
</td>
<td colspan="2" class="nump">3,288<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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Other Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="nump">9,420<span></span>
</td>
<td class="nump">8,605<span></span>
</td>
<td colspan="2" class="nump">6,592<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</a></td>
<td class="nump">&#8364; 14,952<span></span>
</td>
<td class="nump">&#8364; 13,299<span></span>
</td>
<td colspan="2" class="nump">&#8364; 10,580<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
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<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 designated upon initial recognition or subsequently</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_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial assets and liabilities 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_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems</td>
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<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 through profit or loss, designated upon initial recognition or subsequently</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_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></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>instant</td>
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</div></td></tr>
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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>The amount of instruments issued by the entity that represent indebtedness at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></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>instant</td>
</tr>
</table></div>
</div></td></tr>
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<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 at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</td>
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<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>instant</td>
</tr>
</table></div>
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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>The amount of financial liabilities at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; 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 2024-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td>instant</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360591294544">
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<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 13 Financial assets at fair value through other comprehensive income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems', window );"><strong>Disclosure of Financial assets at fair value through other comprehensive income [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>
<td class="fn" style="border-bottom: 0px;"></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_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">&#8364; 1,451<span></span>
</td>
<td class="nump">&#8364; 1,217<span></span>
</td>
<td class="nump">&#8364; 1,198<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">57,526<span></span>
</td>
<td class="nump">60,963<span></span>
</td>
<td class="nump">64,150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[3]</sup></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_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">25<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_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">59,002<span></span>
</td>
<td class="nump">62,205<span></span>
</td>
<td class="nump">65,374<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_OfWhichLossAllowancesOfDebtSecurities', window );">of which loss allowances of debt securities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">&#8364; (112)<span></span>
</td>
<td class="num">&#8364; (84)<span></span>
</td>
<td class="num">&#8364; (123)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(1) During financial years 2024 and 2023, 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;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3).</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of 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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Of which loss allowances of debt securities</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_OfWhichLossAllowancesOfDebtSecurities</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</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>The amount of instruments representing indebtedness held by the entity that are measured at fair value through other comprehensive income. [Refer: Debt instruments held; 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>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
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<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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<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>
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<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 2024-01-01<br> -Paragraph 11A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_11A_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<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 2024-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance 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 );">- Definition</a><div><p>The amount of loans and advances the entity has made to banks that are measured at fair value through other comprehensive income. [Refer: Loans and advances to banks; 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>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
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<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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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td>instant</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535440176">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 13 Financial assets at fair value through other comprehensive income equity instruments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Investments in equity instruments designated at fair value through other comprehensive income</a></td>
<td class="nump">&#8364; 1,451<span></span>
</td>
<td class="nump">&#8364; 1,217<span></span>
</td>
<td class="nump">&#8364; 1,198<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalListedEquityInstrumentsMember', window );">Subtotal listed equity instruments [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">1,231<span></span>
</td>
<td class="nump">1,098<span></span>
</td>
<td class="nump">1,098<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalListedEquityInstrumentsMember', window );">Subtotal listed equity instruments [Member] | National company shares [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Investments in equity instruments designated at fair value through other comprehensive income</a></td>
<td class="nump">1,100<span></span>
</td>
<td class="nump">987<span></span>
</td>
<td class="nump">960<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalListedEquityInstrumentsMember', window );">Subtotal listed equity instruments [Member] | Foreign company shares [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">131<span></span>
</td>
<td class="nump">111<span></span>
</td>
<td class="nump">138<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalListedEquityInstrumentsMember', window );">Subtotal listed equity instruments [Member] | UNITED STATES</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Investments in equity instruments designated at fair value through other comprehensive income</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalListedEquityInstrumentsMember', window );">Subtotal listed equity instruments [Member] | MEXICO</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">79<span></span>
</td>
<td class="nump">52<span></span>
</td>
<td class="nump">44<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalListedEquityInstrumentsMember', window );">Subtotal listed equity instruments [Member] | TURKEY</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Investments in equity instruments designated at fair value through other comprehensive income</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalListedEquityInstrumentsMember', window );">Subtotal listed equity instruments [Member] | Other Countries [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">17<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">56<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalUnlistedEquityInstrumentsMember', window );">Subtotal unlisted equity instruments [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Investments in equity instruments designated at fair value through other comprehensive income</a></td>
<td class="nump">220<span></span>
</td>
<td class="nump">119<span></span>
</td>
<td class="nump">100<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalUnlistedEquityInstrumentsMember', window );">Subtotal unlisted equity instruments [Member] | National company shares [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">46<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalUnlistedEquityInstrumentsMember', window );">Subtotal unlisted equity instruments [Member] | Foreign company shares [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments [Line Items]</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="fn" style="border-bottom: 0px;"></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_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Investments in equity instruments designated at fair value through other comprehensive income</a></td>
<td class="nump">&#8364; 174<span></span>
</td>
<td class="nump">&#8364; 106<span></span>
</td>
<td class="nump">&#8364; 87<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr></table></td></tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems">
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<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 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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems</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_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 2024-01-01<br> -Paragraph 11A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_11A_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<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>
</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>
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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_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalListedEquityInstrumentsMember</td>
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<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityInstrumentsByCountryAxis=bbva_NationalCompanySharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EquityInstrumentsByCountryAxis=bbva_NationalCompanySharesMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityInstrumentsByCountryAxis=bbva_ForeignCompanySharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EquityInstrumentsByCountryAxis=bbva_ForeignCompanySharesMember</td>
</tr>
<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>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityInstrumentsByCountryAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EquityInstrumentsByCountryAxis=country_US</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityInstrumentsByCountryAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EquityInstrumentsByCountryAxis=country_MX</td>
</tr>
<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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></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;">bbva_EquityInstrumentsByCountryAxis=country_TR</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>
</tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_EquityInstrumentsByCountryAxis=bbva_OtherCountriesMember</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_ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalUnlistedEquityInstrumentsMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeAxis=bbva_SubtotalUnlistedEquityInstrumentsMember</td>
</tr>
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<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>
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<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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360522298416">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 13 Financial assets at fair value through other comprehensive income debt securities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 57,526<span></span>
</td>
<td class="nump">&#8364; 60,963<span></span>
</td>
<td class="nump">&#8364; 64,150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">11,475<span></span>
</td>
<td class="nump">15,111<span></span>
</td>
<td class="nump">18,779<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Government agency debt securities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">10,383<span></span>
</td>
<td class="nump">13,757<span></span>
</td>
<td class="nump">17,429<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | credit institutions [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">695<span></span>
</td>
<td class="nump">901<span></span>
</td>
<td class="nump">854<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Other issuers [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">397<span></span>
</td>
<td class="nump">454<span></span>
</td>
<td class="nump">495<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_MX', window );">MEXICO</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">20,461<span></span>
</td>
<td class="nump">21,714<span></span>
</td>
<td class="nump">16,819<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_MX', window );">MEXICO | Government agency debt securities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">19,313<span></span>
</td>
<td class="nump">20,364<span></span>
</td>
<td class="nump">15,452<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_MX', window );">MEXICO | credit institutions [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">759<span></span>
</td>
<td class="nump">886<span></span>
</td>
<td class="nump">777<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_MX', window );">MEXICO | Other issuers [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">389<span></span>
</td>
<td class="nump">464<span></span>
</td>
<td class="nump">590<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_US', window );">UNITED STATES</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">6,552<span></span>
</td>
<td class="nump">6,344<span></span>
</td>
<td class="nump">5,202<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_US', window );">UNITED STATES | Government agency debt securities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">3,703<span></span>
</td>
<td class="nump">3,174<span></span>
</td>
<td class="nump">2,716<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_US', window );">UNITED STATES | credit institutions [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">41<span></span>
</td>
<td class="nump">88<span></span>
</td>
<td class="nump">93<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_US', window );">UNITED STATES | Other issuers [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">2,808<span></span>
</td>
<td class="nump">3,082<span></span>
</td>
<td class="nump">2,393<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_TR', window );">TURKEY</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">2,849<span></span>
</td>
<td class="nump">2,459<span></span>
</td>
<td class="nump">3,858<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_TR', window );">TURKEY | Government agency debt securities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">2,837<span></span>
</td>
<td class="nump">2,445<span></span>
</td>
<td class="nump">3,858<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_TR', window );">TURKEY | Other issuers [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">12<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_OtherCountriesMember', window );">Other Countries [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">16,190<span></span>
</td>
<td class="nump">15,336<span></span>
</td>
<td class="nump">19,493<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_OtherCountriesMember', window );">Other Countries [Member] | Government agency debt securities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">10,059<span></span>
</td>
<td class="nump">8,961<span></span>
</td>
<td class="nump">10,340<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_OtherCountriesMember', window );">Other Countries [Member] | Central banks [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">370<span></span>
</td>
<td class="nump">508<span></span>
</td>
<td class="nump">3,094<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_OtherCountriesMember', window );">Other Countries [Member] | credit institutions [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">1,921<span></span>
</td>
<td class="nump">1,895<span></span>
</td>
<td class="nump">2,167<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_OtherCountriesMember', window );">Other Countries [Member] | Other issuers [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">3,840<span></span>
</td>
<td class="nump">3,971<span></span>
</td>
<td class="nump">3,892<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_TotalForeignMember', window );">Total foreign [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems', window );"><strong>Financial assets at fair value through other comprehensive income debt securities [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 46,052<span></span>
</td>
<td class="nump">&#8364; 45,852<span></span>
</td>
<td class="nump">&#8364; 45,372<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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) During financial years 2024 and 2023, 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;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3).</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial assets at fair value through other comprehensive income debt securities</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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems</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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of instruments representing indebtedness held by the entity that are measured at fair value through other comprehensive income. [Refer: Debt instruments held; 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>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
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<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_IssuedInEurosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_IssuedInEurosMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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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_bbva_DebtSecuritiesAvailableForSaleAxis=bbva_GovernmentAgencyDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtSecuritiesAvailableForSaleAxis=bbva_GovernmentAgencyDebtSecuritiesMember</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>
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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_bbva_DebtSecuritiesAvailableForSaleAxis=bbva_CreditInstitutionsMember">
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<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtSecuritiesAvailableForSaleAxis=bbva_CreditInstitutionsMember</td>
</tr>
<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>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtSecuritiesAvailableForSaleAxis=bbva_OtherIssuersMember">
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<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtSecuritiesAvailableForSaleAxis=bbva_OtherIssuersMember</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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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_MX</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>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td></td>
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<td style="white-space:nowrap;">bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_US</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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_TR">
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<td style="white-space:nowrap;">bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=country_TR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_OtherCountriesMember">
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<td style="white-space:nowrap;">bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis=bbva_OtherCountriesMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<td>na</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360559328656">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 13 Financial assets at fair value through other comprehensive income debt securities by rating (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 57,526<span></span>
</td>
<td class="nump">&#8364; 60,963<span></span>
</td>
<td class="nump">&#8364; 64,150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[3]</sup></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVAAAARatingMember', window );">BBVA AAA Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 1,370<span></span>
</td>
<td class="nump">&#8364; 1,000<span></span>
</td>
<td class="nump">&#8364; 3,339<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2.40%<span></span>
</td>
<td class="nump">1.60%<span></span>
</td>
<td class="nump">5.20%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVAAAPlusRatingMember', window );">BBVA AA Plus Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 4,170<span></span>
</td>
<td class="nump">&#8364; 3,685<span></span>
</td>
<td class="nump">&#8364; 490<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7.20%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">0.80%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVAAARatingMember', window );">BBVA AA Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 261<span></span>
</td>
<td class="nump">&#8364; 384<span></span>
</td>
<td class="nump">&#8364; 420<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">0.60%<span></span>
</td>
<td class="nump">0.70%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVAAAMinusRatingMember', window );">BBVA AA Minus Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 1,061<span></span>
</td>
<td class="nump">&#8364; 642<span></span>
</td>
<td class="nump">&#8364; 501<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1.80%<span></span>
</td>
<td class="nump">1.10%<span></span>
</td>
<td class="nump">0.80%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVAAPlusRatingMember', window );">BBVA A plus Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 905<span></span>
</td>
<td class="nump">&#8364; 1,798<span></span>
</td>
<td class="nump">&#8364; 3,866<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1.60%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVAARatingMember', window );">BBVA A Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 2,007<span></span>
</td>
<td class="nump">&#8364; 1,747<span></span>
</td>
<td class="nump">&#8364; 1,725<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3.50%<span></span>
</td>
<td class="nump">2.90%<span></span>
</td>
<td class="nump">2.70%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVAAMinusRatingMember', window );">BBVA A Minus Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 12,018<span></span>
</td>
<td class="nump">&#8364; 16,009<span></span>
</td>
<td class="nump">&#8364; 20,350<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">20.90%<span></span>
</td>
<td class="nump">26.30%<span></span>
</td>
<td class="nump">31.70%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVABBBPlusRatingMember', window );">BBVA BBB Plus Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 19,897<span></span>
</td>
<td class="nump">&#8364; 22,854<span></span>
</td>
<td class="nump">&#8364; 17,252<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">34.60%<span></span>
</td>
<td class="nump">37.50%<span></span>
</td>
<td class="nump">26.90%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVABBBRatingMember', window );">BBVA BBB Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 9,212<span></span>
</td>
<td class="nump">&#8364; 8,327<span></span>
</td>
<td class="nump">&#8364; 7,470<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16.00%<span></span>
</td>
<td class="nump">13.70%<span></span>
</td>
<td class="nump">11.60%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVABBBMinusRatingMember', window );">BBVA BBB minus Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 922<span></span>
</td>
<td class="nump">&#8364; 858<span></span>
</td>
<td class="nump">&#8364; 1,111<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1.60%<span></span>
</td>
<td class="nump">1.40%<span></span>
</td>
<td class="nump">1.70%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_BBVABBPlusRatingMember', window );">BBVA BB Plus Rating [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 5,227<span></span>
</td>
<td class="nump">&#8364; 3,480<span></span>
</td>
<td class="nump">&#8364; 7,366<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9.10%<span></span>
</td>
<td class="nump">5.70%<span></span>
</td>
<td class="nump">11.50%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_RatingAxis=bbva_UnclassifiedMember', window );">Unclassified [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems', window );"><strong>Avaiable for sale financial assets debt securities by rating [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">&#8364; 474<span></span>
</td>
<td class="nump">&#8364; 178<span></span>
</td>
<td class="nump">&#8364; 258<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesByRating', window );">Percentage of debt securities by rating</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0.80%<span></span>
</td>
<td class="nump">0.30%<span></span>
</td>
<td class="nump">0.40%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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) During financial years 2024 and 2023, 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;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3).</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Avaiable for sale financial assets debt securities by rating</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_AvaiableForSaleFinancialAssetsDebtSecuritiesByRatingLineItems</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_PercentageOfDebtSecuritiesByRating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of debt securities by rating</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_PercentageOfDebtSecuritiesByRating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome">
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<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 representing indebtedness held by the entity that are measured at fair value through other comprehensive income. [Refer: Debt instruments held; 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>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome</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>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<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_RatingAxis=bbva_BBVAAAARatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RatingAxis=bbva_BBVAAAARatingMember</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>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RatingAxis=bbva_BBVAAAPlusRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RatingAxis=bbva_BBVAAAPlusRatingMember</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>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RatingAxis=bbva_BBVAAARatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RatingAxis=bbva_BBVAAARatingMember</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>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RatingAxis=bbva_BBVAAAMinusRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RatingAxis=bbva_BBVAAAMinusRatingMember</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>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RatingAxis=bbva_BBVAAPlusRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RatingAxis=bbva_BBVAAPlusRatingMember</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></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RatingAxis=bbva_BBVAARatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RatingAxis=bbva_BBVAARatingMember</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>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>189
<FILENAME>R170.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526642720">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 13 Other comprehensive income Changes in gains or losses (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems', window );"><strong>Financial assets at fair value throught other comprehensive income [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss', window );">Fair value changes of debt instruments measured at fair value through other comprehensive income that may be reclassified to profit or loss</a></td>
<td class="num">&#8364; (357)<span></span>
</td>
<td class="num">&#8364; (809)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">&#8364; 1,274<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_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="num">(1,112)<span></span>
</td>
<td class="num">(1,194)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="num">(1,079)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss', window );">Fair value changes of debt instruments measured at fair value through other comprehensive income that may be reclassified to profit or loss</a></td>
<td class="num">(576)<span></span>
</td>
<td class="num">(357)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(809)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_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="num">(905)<span></span>
</td>
<td class="num">(1,112)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,194)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TypeOfEquityInstrumentAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems', window );"><strong>Financial assets at fair value throught other comprehensive income [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ValuationGainsAndLosses', window );">Valuation gains and losses</a></td>
<td class="num">(568)<span></span>
</td>
<td class="nump">659<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(3,049)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountsTransferredToIncome', window );">Amounts transferred to income</a></td>
<td class="nump">247<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">20<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncomeTaxAndOther', window );">Income tax and other</a></td>
<td class="nump">101<span></span>
</td>
<td class="num">(211)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">946<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypeOfEquityInstrumentAxis=bbva_EquityInstrumentsMember', window );">equity instruments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems', window );"><strong>Financial assets at fair value throught other comprehensive income [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ValuationGainsAndLosses', window );">Valuation gains and losses</a></td>
<td class="nump">228<span></span>
</td>
<td class="nump">80<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(112)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountsTransferredToReserves', window );">Amounts transferred to reserves</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncomeTaxAndOther', window );">Income tax and other</a></td>
<td class="num">&#8364; (20)<span></span>
</td>
<td class="num">&#8364; (1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></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_AmountsTransferredToIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amounts transferred to 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_AmountsTransferredToIncome</td>
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<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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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amounts transferred to reserves</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_AmountsTransferredToReserves</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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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<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_bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 debt instruments measured at fair value through other comprehensive income 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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss</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>
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<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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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</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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomeTaxAndOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Income tax and 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_IncomeTaxAndOther</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_ValuationGainsAndLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Valuation gains and losses</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_ValuationGainsAndLosses</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_TypeOfEquityInstrumentAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfEquityInstrumentAxis=ifrs-full_DebtSecuritiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfEquityInstrumentAxis=bbva_EquityInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfEquityInstrumentAxis=bbva_EquityInstrumentsMember</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>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>190
<FILENAME>R171.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561527856">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 14 Financial assets at amortised cost (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="2"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 59,014<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 49,462<span></span>
</td>
<td class="nump">&#8364; 36,639<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[3],[4]</sup></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_LoansAndAdvancesToCentralBanks', window );">Loans and advances to central banks at amortised cost</a></td>
<td class="nump">8,255<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">7,151<span></span>
</td>
<td class="nump">4,401<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToBanksAtAmortisedCost', window );">Loans and advances to banks</a></td>
<td class="nump">22,655<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">17,477<span></span>
</td>
<td class="nump">16,031<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">412,477<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">377,643<span></span>
</td>
<td class="nump">357,351<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">502,400<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">451,732<span></span>
</td>
<td class="nump">414,421<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_CentralBanksMember', window );">Central banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">6<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">22<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=ifrs-full_GovernmentMember', window );">Government [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">54,806<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">45,124<span></span>
</td>
<td class="nump">34,648<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">22,111<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">23,265<span></span>
</td>
<td class="nump">20,892<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_CreditInstitutionsMember', window );">credit institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">2,459<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,366<span></span>
</td>
<td class="nump">400<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">451<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">923<span></span>
</td>
<td class="nump">602<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">17,497<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">13,251<span></span>
</td>
<td class="nump">12,765<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">1,292<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,027<span></span>
</td>
<td class="nump">967<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">193,386<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">171,063<span></span>
</td>
<td class="nump">165,433<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_ReverseRepurchaseAgreementsBorrarMember', window );">Reverse repurchase agreements [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToBanksAtAmortisedCost', window );">Loans and advances to banks</a></td>
<td class="nump">9,157<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">5,786<span></span>
</td>
<td class="nump">5,251<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OtherLoansAndAdvancesMember', window );">Other loans and advances [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToBanksAtAmortisedCost', window );">Loans and advances to banks</a></td>
<td class="nump">13,497<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11,690<span></span>
</td>
<td class="nump">10,780<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OtherMember', window );">Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">179,483<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">170,063<span></span>
</td>
<td class="nump">158,261<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember', window );">Of which impaired assets of loans and advances to customers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">14,211<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[6]</sup></td>
<td class="nump">14,444<span></span>
</td>
<td class="nump">13,493<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember', window );">Of which loss allowances of loans and advances [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">11,630<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11,316<span></span>
</td>
<td class="nump">11,291<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OfWhichLossAllowancesOfDebtSecuritiesMember', window );">Of which loss allowances of debt securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCostLineItems', window );"><strong>Financial assets at amortised cost [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">&#8364; 57<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 82<span></span>
</td>
<td class="nump">&#8364; 91<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[6]</td>
<td style="vertical-align: top;" valign="top">(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, 2024, the remaining balance was &#8364;107 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize.</td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>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_FinancialAssetsAtAmortisedCostLineItems</td>
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<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 representing indebtedness held by the entity at amortised cost. [Refer: Debt instruments held; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtAmortisedCost</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<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 2024-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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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_ifrs-full_LoansAndAdvancesToBanksAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Loans and advances to banks; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToBanksAtAmortisedCost</td>
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<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>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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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_LoansAndAdvancesToCentralBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCentralBanks</td>
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<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>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</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_LoansAndAdvancesToCustomersAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Loans and advances to customers; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCustomersAtAmortisedCost</td>
</tr>
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<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>
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<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_FinancialAssetsAtAmortisedCostAxis=bbva_CentralBanksMember">
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<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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_CentralBanksMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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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_bbva_FinancialAssetsAtAmortisedCostAxis=ifrs-full_GovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=ifrs-full_GovernmentMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_CreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_CreditInstitutionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OtherFinancialCorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OtherFinancialCorporationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_NonFinancialCorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_NonFinancialCorporationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_ReverseRepurchaseAgreementsBorrarMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_ReverseRepurchaseAgreementsBorrarMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OtherLoansAndAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OtherLoansAndAdvancesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OtherMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OfWhichImpairedAssetsOfLoansAndAdvancesToCustomersMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OfWhichLossAllowancesOfLoansAndAdvancesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OfWhichLossAllowancesOfDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialAssetsAtAmortisedCostAxis=bbva_OfWhichLossAllowancesOfDebtSecuritiesMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>191
<FILENAME>R172.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360521859008">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 14 Debt securities at amortized cost (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 59,014<span></span>
</td>
<td class="nump">&#8364; 49,462<span></span>
</td>
<td class="nump">&#8364; 36,639<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[3],[4]</sup></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_bbva_SecuritiesLocationByCountryAxis=bbva_DomesticDebtSecuritiesMember', window );">Domestic debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">37,130<span></span>
</td>
<td class="nump">27,114<span></span>
</td>
<td class="nump">18,541<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=bbva_DomesticDebtSecuritiesMember', window );">Domestic debt securities [Member] | Government [member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">35,664<span></span>
</td>
<td class="nump">25,857<span></span>
</td>
<td class="nump">18,397<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=bbva_DomesticDebtSecuritiesMember', window );">Domestic debt securities [Member] | credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">1,099<span></span>
</td>
<td class="nump">1,028<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=bbva_DomesticDebtSecuritiesMember', window );">Domestic debt securities [Member] | Other issuers [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">367<span></span>
</td>
<td class="nump">230<span></span>
</td>
<td class="nump">144<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_MX', window );">MEXICO</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">4,139<span></span>
</td>
<td class="nump">6,277<span></span>
</td>
<td class="nump">4,222<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_MX', window );">MEXICO | Government [member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">4,076<span></span>
</td>
<td class="nump">6,205<span></span>
</td>
<td class="nump">4,198<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_MX', window );">MEXICO | credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">63<span></span>
</td>
<td class="nump">72<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_MX', window );">MEXICO | Other issuers [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</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="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_US', window );">UNITED STATES</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">2,505<span></span>
</td>
<td class="nump">2,229<span></span>
</td>
<td class="nump">2,215<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_US', window );">UNITED STATES | Government [member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">2,463<span></span>
</td>
<td class="nump">2,188<span></span>
</td>
<td class="nump">2,159<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_US', window );">UNITED STATES | credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_US', window );">UNITED STATES | Other issuers [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_TR', window );">TURKEY</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">6,764<span></span>
</td>
<td class="nump">6,284<span></span>
</td>
<td class="nump">5,332<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_TR', window );">TURKEY | Government [member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">6,622<span></span>
</td>
<td class="nump">6,167<span></span>
</td>
<td class="nump">5,325<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_TR', window );">TURKEY | credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=country_TR', window );">TURKEY | Other issuers [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">135<span></span>
</td>
<td class="nump">109<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=bbva_OtherCountriesMember', window );">Other Countries [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">8,476<span></span>
</td>
<td class="nump">7,558<span></span>
</td>
<td class="nump">6,328<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=bbva_OtherCountriesMember', window );">Other Countries [Member] | Government [member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">5,982<span></span>
</td>
<td class="nump">4,707<span></span>
</td>
<td class="nump">4,568<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=bbva_OtherCountriesMember', window );">Other Countries [Member] | Central banks [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=bbva_OtherCountriesMember', window );">Other Countries [Member] | credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">1,269<span></span>
</td>
<td class="nump">1,239<span></span>
</td>
<td class="nump">345<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=bbva_OtherCountriesMember', window );">Other Countries [Member] | Other issuers [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">1,219<span></span>
</td>
<td class="nump">1,591<span></span>
</td>
<td class="nump">1,394<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_SecuritiesLocationByCountryAxis=bbva_ForeignDebtSecuritiesMember', window );">Foreign debt securities [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesAtAmortizedCostLineItems', window );"><strong>Debt securities at amortized cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 21,884<span></span>
</td>
<td class="nump">&#8364; 22,348<span></span>
</td>
<td class="nump">&#8364; 18,097<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_DebtSecuritiesAtAmortizedCostLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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_DebtSecuritiesAtAmortizedCostLineItems</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>
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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>The amount of instruments representing indebtedness held by the entity at amortised cost. [Refer: Debt instruments held; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtAmortisedCost</td>
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<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>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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_bbva_SecuritiesLocationByCountryAxis=bbva_DomesticDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_SecuritiesLocationByCountryAxis=bbva_DomesticDebtSecuritiesMember</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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IssuingInstitutionsAxis=ifrs-full_GovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_IssuingInstitutionsAxis=ifrs-full_GovernmentMember</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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<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;">bbva_IssuingInstitutionsAxis=bbva_CreditInstitutionsMember</td>
</tr>
<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_bbva_IssuingInstitutionsAxis=bbva_OtherIssuersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_IssuingInstitutionsAxis=bbva_OtherIssuersMember</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>
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<td><strong> Balance Type:</strong></td>
<td></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_bbva_SecuritiesLocationByCountryAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_SecuritiesLocationByCountryAxis=country_MX</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SecuritiesLocationByCountryAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_SecuritiesLocationByCountryAxis=country_US</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SecuritiesLocationByCountryAxis=country_TR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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;">bbva_SecuritiesLocationByCountryAxis=country_TR</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SecuritiesLocationByCountryAxis=bbva_OtherCountriesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_SecuritiesLocationByCountryAxis=bbva_OtherCountriesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IssuingInstitutionsAxis=bbva_CentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_IssuingInstitutionsAxis=bbva_CentralBanksMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SecuritiesLocationByCountryAxis=bbva_ForeignDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_SecuritiesLocationByCountryAxis=bbva_ForeignDebtSecuritiesMember</td>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572920624">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 14 Debt securities by rating (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 59,014<span></span>
</td>
<td class="nump">&#8364; 49,462<span></span>
</td>
<td class="nump">&#8364; 36,639<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[3],[4]</sup></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAAARatingMember', window );">BBVA AAA Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">3.20%<span></span>
</td>
<td class="nump">3.70%<span></span>
</td>
<td class="nump">8.40%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 1,907<span></span>
</td>
<td class="nump">&#8364; 1,829<span></span>
</td>
<td class="nump">&#8364; 3,068<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAAPlusMember', window );">BBVA AA plus [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">5.80%<span></span>
</td>
<td class="nump">6.30%<span></span>
</td>
<td class="nump">0.60%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 3,418<span></span>
</td>
<td class="nump">&#8364; 3,096<span></span>
</td>
<td class="nump">&#8364; 217<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAARatingMember', window );">BBVA AA Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">0.10%<span></span>
</td>
<td class="nump">0.30%<span></span>
</td>
<td class="nump">0.20%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 69<span></span>
</td>
<td class="nump">&#8364; 142<span></span>
</td>
<td class="nump">&#8364; 82<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAAMinusRatingMember', window );">BBVA AA Minus Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">1.70%<span></span>
</td>
<td class="nump">0.10%<span></span>
</td>
<td class="nump">0.20%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 1,027<span></span>
</td>
<td class="nump">&#8364; 60<span></span>
</td>
<td class="nump">&#8364; 76<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAPlusRatingMember', window );">BBVA A plus Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.10%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 22<span></span>
</td>
<td class="nump">&#8364; 25<span></span>
</td>
<td class="nump">&#8364; 13<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAARatingMember', window );">BBVA A Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">0.80%<span></span>
</td>
<td class="nump">0.90%<span></span>
</td>
<td class="nump">1.40%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 497<span></span>
</td>
<td class="nump">&#8364; 444<span></span>
</td>
<td class="nump">&#8364; 524<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAMinusRatingMember', window );">BBVA A Minus Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">58.70%<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="nump">46.50%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 34,652<span></span>
</td>
<td class="nump">&#8364; 24,739<span></span>
</td>
<td class="nump">&#8364; 17,050<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBBPlusRatingMember', window );">BBVA BBB Plus Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">7.70%<span></span>
</td>
<td class="nump">13.40%<span></span>
</td>
<td class="nump">12.90%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 4,518<span></span>
</td>
<td class="nump">&#8364; 6,615<span></span>
</td>
<td class="nump">&#8364; 4,710<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBBRatingMember', window );">BBVA BBB Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">7.00%<span></span>
</td>
<td class="nump">9.20%<span></span>
</td>
<td class="nump">11.20%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 4,105<span></span>
</td>
<td class="nump">&#8364; 4,551<span></span>
</td>
<td class="nump">&#8364; 4,091<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBBMinusRatingMember', window );">BBVA BBB minus Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">1.50%<span></span>
</td>
<td class="nump">1.10%<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 890<span></span>
</td>
<td class="nump">&#8364; 548<span></span>
</td>
<td class="nump">&#8364; 351<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBPlusRatingMember', window );">BBVA BB Plus Rating [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">12.20%<span></span>
</td>
<td class="nump">13.40%<span></span>
</td>
<td class="nump">15.80%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 7,199<span></span>
</td>
<td class="nump">&#8364; 6,642<span></span>
</td>
<td class="nump">&#8364; 5,789<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_UnclassifiedMember', window );">Unclassified [Member]</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="fn" style="border-bottom: 0px;"></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_DebtSecuritiesByRatingLineItems', window );"><strong>Debt securities by rating [Line Items]</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="fn" style="border-bottom: 0px;"></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_PercentageOfDebtSecuritiesAtAmortizedCostByRating', window );">Percentage of debt securities at amortized cost by rating</a></td>
<td class="nump">1.20%<span></span>
</td>
<td class="nump">1.60%<span></span>
</td>
<td class="nump">1.80%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt instruments held at amortised cost</a></td>
<td class="nump">&#8364; 711<span></span>
</td>
<td class="nump">&#8364; 772<span></span>
</td>
<td class="nump">&#8364; 667<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_DebtSecuritiesByRatingLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 by rating</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_DebtSecuritiesByRatingLineItems</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_PercentageOfDebtSecuritiesAtAmortizedCostByRating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of debt securities at amortized cost by rating</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_PercentageOfDebtSecuritiesAtAmortizedCostByRating</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>dtr-types1:percentItemType</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_ifrs-full_DebtInstrumentsHeldAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity at amortised cost. [Refer: Debt instruments held; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtAmortisedCost</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_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAAARatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAAARatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAAPlusMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAAPlusMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAARatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAARatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAAMinusRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAAMinusRatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAPlusRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAPlusRatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAARatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAARatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAMinusRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVAAMinusRatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBBPlusRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBBPlusRatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBBRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBBRatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBBMinusRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBBMinusRatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBPlusRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_BBVABBPlusRatingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_UnclassifiedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_BreakdownOfDebtSecuritiesByCreditRatingAxis=bbva_UnclassifiedMember</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>
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</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>193
<FILENAME>R174.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533671600">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 14 Loans and advances to customers (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_LoansAndReceivablesLineItems', window );"><strong>Loans and receivables [Line Items]</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="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 412,477<span></span>
</td>
<td class="nump">&#8364; 377,643<span></span>
</td>
<td class="nump">&#8364; 357,351<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=ifrs-full_OnDemandMember', window );">On demand [Member]</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="fn" style="border-bottom: 0px;"></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_LoansAndReceivablesLineItems', window );"><strong>Loans and receivables [Line Items]</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="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">5,307<span></span>
</td>
<td class="nump">3,040<span></span>
</td>
<td class="nump">4,101<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=bbva_CreditCardDebtMember', window );">Credit card debt [Member]</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="fn" style="border-bottom: 0px;"></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_LoansAndReceivablesLineItems', window );"><strong>Loans and receivables [Line Items]</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="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">27,720<span></span>
</td>
<td class="nump">22,889<span></span>
</td>
<td class="nump">18,898<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=ifrs-full_TradeReceivablesMember', window );">Trade receivables [Member]</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="fn" style="border-bottom: 0px;"></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_LoansAndReceivablesLineItems', window );"><strong>Loans and receivables [Line Items]</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="fn" style="border-bottom: 0px;"></td>
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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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">31,693<span></span>
</td>
<td class="nump">25,096<span></span>
</td>
<td class="nump">25,987<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=ifrs-full_LeaseReceivablesMember', window );">Lease receivables [member]</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="fn" style="border-bottom: 0px;"></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_LoansAndReceivablesLineItems', window );"><strong>Loans and receivables [Line Items]</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="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">10,125<span></span>
</td>
<td class="nump">9,463<span></span>
</td>
<td class="nump">8,571<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=bbva_ReverseRepurchaseAgreementsBorrarMember', window );">Reverse repurchase agreements [Member]</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="fn" style="border-bottom: 0px;"></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_LoansAndReceivablesLineItems', window );"><strong>Loans and receivables [Line Items]</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="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">262<span></span>
</td>
<td class="nump">92<span></span>
</td>
<td class="nump">102<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=bbva_OtherTermLoansMember', window );">Other term loans [Member]</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="fn" style="border-bottom: 0px;"></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_LoansAndReceivablesLineItems', window );"><strong>Loans and receivables [Line Items]</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="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">331,451<span></span>
</td>
<td class="nump">312,186<span></span>
</td>
<td class="nump">294,059<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=bbva_AdvancesThatAreNotLoansMember', window );">Advances that are not loans [Member]</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="fn" style="border-bottom: 0px;"></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_LoansAndReceivablesLineItems', window );"><strong>Loans and receivables [Line Items]</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="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesToCustomersAtAmortisedCost', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 5,919<span></span>
</td>
<td class="nump">&#8364; 4,877<span></span>
</td>
<td class="nump">&#8364; 5,633<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></td>
</tr>
</table></td></tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndReceivablesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 receivables</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_LoansAndReceivablesLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<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>The amount of loans and advances the entity has made to customers at amortised cost. [Refer: Loans and advances to customers; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesToCustomersAtAmortisedCost</td>
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<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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=ifrs-full_TradeReceivablesMember</td>
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<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;">bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=bbva_ReverseRepurchaseAgreementsBorrarMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansAndAdvancesAtAmortizedCostToCustomersAxis=bbva_AdvancesThatAreNotLoansMember</td>
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 14 Loans and advances maturing in more than one year by fixed interest rate and floating (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems', window );"><strong>Loans and advances maturing in more than one year by interest rate [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NationalSecurity', window );">National security</a></td>
<td class="nump">&#8364; 129,642<span></span>
</td>
<td class="nump">&#8364; 129,248<span></span>
</td>
<td class="nump">&#8364; 129,042<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_ForeignSecurity', window );">Foreign security</a></td>
<td class="nump">150,966<span></span>
</td>
<td class="nump">139,104<span></span>
</td>
<td class="nump">121,314<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_TotalLoansAndAdvancesMaturingInMoreThanOneYear', window );">Total loans and advances maturing in more than one year</a></td>
<td class="nump">280,608<span></span>
</td>
<td class="nump">268,352<span></span>
</td>
<td class="nump">250,356<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_TypesOfInterestRatesAxis=ifrs-full_FixedInterestRateMember', window );">Fixed interest rate [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems', window );"><strong>Loans and advances maturing in more than one year by interest rate [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NationalSecurity', window );">National security</a></td>
<td class="nump">67,284<span></span>
</td>
<td class="nump">63,060<span></span>
</td>
<td class="nump">59,394<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_ForeignSecurity', window );">Foreign security</a></td>
<td class="nump">85,473<span></span>
</td>
<td class="nump">77,381<span></span>
</td>
<td class="nump">67,874<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_TotalLoansAndAdvancesMaturingInMoreThanOneYear', window );">Total loans and advances maturing in more than one year</a></td>
<td class="nump">152,757<span></span>
</td>
<td class="nump">140,441<span></span>
</td>
<td class="nump">127,269<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_TypesOfInterestRatesAxis=ifrs-full_FloatingInterestRateMember', window );">Floating interest rate [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems', window );"><strong>Loans and advances maturing in more than one year by interest rate [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NationalSecurity', window );">National security</a></td>
<td class="nump">62,359<span></span>
</td>
<td class="nump">66,188<span></span>
</td>
<td class="nump">69,647<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_ForeignSecurity', window );">Foreign security</a></td>
<td class="nump">65,493<span></span>
</td>
<td class="nump">61,723<span></span>
</td>
<td class="nump">53,440<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_TotalLoansAndAdvancesMaturingInMoreThanOneYear', window );">Total loans and advances maturing in more than one year</a></td>
<td class="nump">&#8364; 127,851<span></span>
</td>
<td class="nump">&#8364; 127,911<span></span>
</td>
<td class="nump">&#8364; 123,087<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ForeignSecurity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 security</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_ForeignSecurity</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_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 maturing in more than one year by interest rate</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_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems</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_NationalSecurity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>National security</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_NationalSecurity</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_TotalLoansAndAdvancesMaturingInMoreThanOneYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 loans and advances maturing in more than one year</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_TotalLoansAndAdvancesMaturingInMoreThanOneYear</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_TypesOfInterestRatesAxis=ifrs-full_FixedInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_TypesOfInterestRatesAxis=ifrs-full_FixedInterestRateMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FloatingInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_TypesOfInterestRatesAxis=ifrs-full_FloatingInterestRateMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>195
<FILENAME>R176.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572429664">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 14 Securitized loans (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_SecuritizedLoansLineItems', window );"><strong>Securitized loans [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SecuritizedMortgageAssets', window );">Securitized mortgage assets</a></td>
<td class="nump">&#8364; 19,537<span></span>
</td>
<td class="nump">&#8364; 20,406<span></span>
</td>
<td class="nump">&#8364; 23,290<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_OtherSecuritizedAssets', window );">Other securitized assets</a></td>
<td class="nump">8,702<span></span>
</td>
<td class="nump">8,493<span></span>
</td>
<td class="nump">5,495<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_TotalSecuritizedLoans', window );">Total securitized loans</a></td>
<td class="nump">&#8364; 28,239<span></span>
</td>
<td class="nump">&#8364; 28,899<span></span>
</td>
<td class="nump">&#8364; 28,784<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherSecuritizedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 securitized 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_OtherSecuritizedAssets</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_SecuritizedLoansLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Securitized loans</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_SecuritizedLoansLineItems</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_SecuritizedMortgageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Securitized mortgage 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_SecuritizedMortgageAssets</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_TotalSecuritizedLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 securitized loans</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_TotalSecuritizedLoans</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>196
<FILENAME>R177.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360525761136">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 15 Derivatives Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems', window );"><strong>Disclousre of derivative financial assets held for hedging [Line Items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">&#8364; 1,158<span></span>
</td>
<td class="nump">&#8364; 1,482<span></span>
</td>
<td class="nump">&#8364; 1,891<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets</a></td>
<td class="num">(65)<span></span>
</td>
<td class="num">(97)<span></span>
</td>
<td class="num">(148)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DerivativeFinancialLiabilitiesHeldForHedging', window );">Derivative financial liabilities held for hedging</a></td>
<td class="nump">2,503<span></span>
</td>
<td class="nump">2,625<span></span>
</td>
<td class="nump">3,303<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities</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>
<td class="fn" style="border-bottom: 0px;"></td>
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<tr><td colspan="5"></td></tr>
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<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclousre of derivative financial assets held for hedging</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 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 [domain]]</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 2024-01-01<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-2024-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<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 [domain]]</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 2024-01-01<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-2024-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572354880">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 15 Derivatives Hedge accounting breakdown by type of risk and type of hedge (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">&#8364; 1,158<span></span>
</td>
<td class="nump">&#8364; 1,482<span></span>
</td>
<td class="nump">&#8364; 1,891<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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="nump">2,503<span></span>
</td>
<td class="nump">2,625<span></span>
</td>
<td class="nump">3,303<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_HedgingDerivativesBreakdownByDetailAxis=bbva_OfWhichOTCCreditInstitutionsMember', window );">Of which OTC credit institutions [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">932<span></span>
</td>
<td class="nump">1,237<span></span>
</td>
<td class="nump">1,577<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">2,005<span></span>
</td>
<td class="nump">2,404<span></span>
</td>
<td class="nump">2,911<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByDetailAxis=bbva_OfWhichOTCOtherFinancialCorporationsMember', window );">Of which OTC other financial corporations [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">223<span></span>
</td>
<td class="nump">237<span></span>
</td>
<td class="nump">297<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">499<span></span>
</td>
<td class="nump">221<span></span>
</td>
<td class="nump">391<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk [member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">257<span></span>
</td>
<td class="nump">422<span></span>
</td>
<td class="nump">656<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">344<span></span>
</td>
<td class="nump">364<span></span>
</td>
<td class="nump">376<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk [member] | OTC Options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">257<span></span>
</td>
<td class="nump">422<span></span>
</td>
<td class="nump">656<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">344<span></span>
</td>
<td class="nump">364<span></span>
</td>
<td class="nump">376<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk [member] | Organized market options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_EquityRiskMember', window );">Equity risk [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_EquityRiskMember', window );">Equity risk [Member] | OTC Options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_EquityRiskMember', window );">Equity risk [Member] | Organized market options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_ForeignExchangeAndGoldRiskMember', window );">Foreign exchange and gold risk [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">73<span></span>
</td>
<td class="nump">221<span></span>
</td>
<td class="nump">259<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">93<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="nump">83<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_ForeignExchangeAndGoldRiskMember', window );">Foreign exchange and gold risk [Member] | OTC Options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">73<span></span>
</td>
<td class="nump">221<span></span>
</td>
<td class="nump">259<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">93<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="nump">83<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_ForeignExchangeAndGoldRiskMember', window );">Foreign exchange and gold risk [Member] | Organized market options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_CreditRiskMember', window );">Credit risk [member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_CommoditiesRiskMember', window );">Commodities risk [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_OtherRiskMember', window );">Other risk [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_FairValueRiskMember', window );">Fair value risk [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">330<span></span>
</td>
<td class="nump">644<span></span>
</td>
<td class="nump">915<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">437<span></span>
</td>
<td class="nump">395<span></span>
</td>
<td class="nump">459<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_InterestRateRiskHedgesCashFlowMember', window );">Interest rate risk hedges cash flow [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">618<span></span>
</td>
<td class="nump">490<span></span>
</td>
<td class="nump">470<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">1,513<span></span>
</td>
<td class="nump">2,048<span></span>
</td>
<td class="nump">2,763<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_InterestRateRiskHedgesCashFlowMember', window );">Interest rate risk hedges cash flow [Member] | OTC Options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">615<span></span>
</td>
<td class="nump">483<span></span>
</td>
<td class="nump">454<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">1,513<span></span>
</td>
<td class="nump">2,048<span></span>
</td>
<td class="nump">2,763<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_InterestRateRiskHedgesCashFlowMember', window );">Interest rate risk hedges cash flow [Member] | Organized market options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_EquityInstrumentsRiskHedgeCashFlowMember', window );">Equity instruments risk hedge cash flow [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember', window );">Foreign exchange and gold risk hedge cash flow [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">142<span></span>
</td>
<td class="nump">291<span></span>
</td>
<td class="nump">239<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">431<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="nump">46<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember', window );">Foreign exchange and gold risk hedge cash flow [Member] | OTC Options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">142<span></span>
</td>
<td class="nump">291<span></span>
</td>
<td class="nump">239<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">431<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember', window );">Foreign exchange and gold risk hedge cash flow [Member] | Organized market options [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_CreditRiskHedgeCashFlowMember', window );">Credit risk hedge cash flow [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_CommoditiesRiskHedgeCashFlowMember', window );">Commodities risk hedge cash flow [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_OtherRiskHedgeCashFlowMember', window );">Other risk hedge cash flow [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</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="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges [member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">760<span></span>
</td>
<td class="nump">781<span></span>
</td>
<td class="nump">708<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">1,944<span></span>
</td>
<td class="nump">2,089<span></span>
</td>
<td class="nump">2,809<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investment in foreign operations [member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">66<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td class="nump">213<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">122<span></span>
</td>
<td class="nump">136<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_PortfolioFairValueHedgesOfInterestRateRiskMember', window );">Portfolio fair value hedges of interest rate risk [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">0<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember', window );">Portfolio cash flow hedges of interest rate risk [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems', window );"><strong>Disclosure of detailed information about hedging instruments [line items]</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="fn" style="border-bottom: 0px;"></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_DerivativeFinancialAssetsHeldForHedging', window );">Derivative financial assets held for hedging</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td class="nump">48<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
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<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 1<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
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<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
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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>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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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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>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of 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;">ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems</td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<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;">bbva_HedgingDerivativesBreakdownByDetailAxis=bbva_OfWhichOTCOtherFinancialCorporationsMember</td>
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<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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_InterestRateRiskMember</td>
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<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>
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<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;">bbva_HedgingDerivativesBreakdownByDetailAxis=bbva_OrganizedMarketOptionsMember</td>
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<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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_EquityRiskMember</td>
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<tr>
<td><strong> Name:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_CreditRiskMember</td>
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<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>
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<td><strong> Balance Type:</strong></td>
<td></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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_CommoditiesRiskMember</td>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_OtherRiskMember</td>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_FairValueRiskMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_InterestRateRiskHedgesCashFlowMember</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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_EquityInstrumentsRiskHedgeCashFlowMember</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>
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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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_CreditRiskHedgeCashFlowMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_CreditRiskHedgeCashFlowMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_CommoditiesRiskHedgeCashFlowMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_CommoditiesRiskHedgeCashFlowMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_OtherRiskHedgeCashFlowMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_OtherRiskHedgeCashFlowMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_CashFlowHedgesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_CashFlowHedgesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_PortfolioFairValueHedgesOfInterestRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_PortfolioFairValueHedgesOfInterestRateRiskMember</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>
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<td style="white-space:nowrap;">bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis=bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember</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>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>198
<FILENAME>R179.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360573182752">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 15 Hedged items in fair value hedges (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_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">&#8364; 59,002<span></span>
</td>
<td class="nump">&#8364; 62,205<span></span>
</td>
<td class="nump">&#8364; 65,374<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">57,526<span></span>
</td>
<td class="nump">60,963<span></span>
</td>
<td class="nump">64,150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[3]</sup></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(502,400)<span></span>
</td>
<td class="num">(451,732)<span></span>
</td>
<td class="num">(414,421)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4],[5]</sup></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(59,014)<span></span>
</td>
<td class="num">(49,462)<span></span>
</td>
<td class="num">(36,639)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4],[5],[6],[7]</sup></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(443,386)<span></span>
</td>
<td class="num">(402,270)<span></span>
</td>
<td class="num">(377,782)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(584,339)<span></span>
</td>
<td class="num">(557,589)<span></span>
</td>
<td class="num">(529,172)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5],[8]</sup></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">69,867<span></span>
</td>
<td class="nump">68,707<span></span>
</td>
<td class="nump">55,429<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5],[8]</sup></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_DepositsAtAmortisedCost', window );">Deposits at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(496,720)<span></span>
</td>
<td class="num">(473,835)<span></span>
</td>
<td class="num">&#8364; (459,662)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=ifrs-full_CarryingAmountMember', window );">Carrying amount [member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_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">10,449<span></span>
</td>
<td class="nump">11,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">10,449<span></span>
</td>
<td class="nump">11,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome', window );">Loans and advances 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="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,003)<span></span>
</td>
<td class="num">(3,248)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,232)<span></span>
</td>
<td class="num">(2,304)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(771)<span></span>
</td>
<td class="num">(944)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(45,613)<span></span>
</td>
<td class="num">(47,180)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">42,521<span></span>
</td>
<td class="nump">37,916<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,092)<span></span>
</td>
<td class="num">(9,263)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=ifrs-full_CarryingAmountMember', window );">Carrying amount [member] | Interest rate [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">10,446<span></span>
</td>
<td class="nump">11,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,232)<span></span>
</td>
<td class="num">(2,304)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(757)<span></span>
</td>
<td class="num">(944)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">42,521<span></span>
</td>
<td class="nump">37,915<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,092)<span></span>
</td>
<td class="num">(9,258)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=ifrs-full_CarryingAmountMember', window );">Carrying amount [member] | Foreign exchange and gold [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome', window );">Loans and advances 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="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</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="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(14)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=ifrs-full_CarryingAmountMember', window );">Carrying amount [member] | Other [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', 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">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome', window );">Loans and advances 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="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember', window );">Hedge adjustments included in the carrying amount of assets and liabilities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">409<span></span>
</td>
<td class="nump">652<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">409<span></span>
</td>
<td class="nump">652<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome', window );">Loans and advances at fair value through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(114)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(48)<span></span>
</td>
<td class="num">(119)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(32)<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(96)<span></span>
</td>
<td class="num">(509)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">172<span></span>
</td>
<td class="nump">600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(75)<span></span>
</td>
<td class="nump">91<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember', window );">Hedge adjustments included in the carrying amount of assets and liabilities [Member] | Interest rate [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">409<span></span>
</td>
<td class="nump">652<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(48)<span></span>
</td>
<td class="num">(119)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(32)<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">172<span></span>
</td>
<td class="nump">600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(75)<span></span>
</td>
<td class="num">(91)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember', window );">Hedge adjustments included in the carrying amount of assets and liabilities [Member] | Foreign exchange and gold [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome', window );">Loans and advances at fair value through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsAtAmortisedCost', window );">Deposits at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember', window );">Hedge adjustments included in the carrying amount of assets and liabilities [Member] | Other [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome', window );">Loans and advances at fair value through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember', window );">Remaining adjustments for discontinued micro hedges including hedges of net positions [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">155<span></span>
</td>
<td class="nump">172<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">155<span></span>
</td>
<td class="nump">172<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(519)<span></span>
</td>
<td class="num">(685)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(519)<span></span>
</td>
<td class="num">(685)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember', window );">Remaining adjustments for discontinued micro hedges including hedges of net positions [Member] | Interest rate [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt securities at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">155<span></span>
</td>
<td class="nump">172<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="num">(519)<span></span>
</td>
<td class="num">(685)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[9]</sup></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember', window );">Hedged items in portfolio hedge of interest rate risk [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_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">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(753)<span></span>
</td>
<td class="num">(936)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</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="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(753)<span></span>
</td>
<td class="num">(936)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</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="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember', window );">Hedged items in portfolio hedge of interest rate risk [Member] | Interest rate [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsHeldAtAmortisedCost', window );">Debt Securities at amortized cost</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="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoansAndAdvancesAtAmortisedCost', window );">Loans and advances at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(753)<span></span>
</td>
<td class="num">(936)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_RecognizedInefectivenessInProfitOrLossMember', window );">Recognized inefectiveness in profit or loss [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_HedgedItemsInFairValueHedgesLineItems', window );"><strong>Hedged items in fair value hedges [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>
<td class="fn" style="border-bottom: 0px;"></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_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">16<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2)<span></span>
</td>
<td class="num">(14)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">&#8364; (5)<span></span>
</td>
<td class="num">&#8364; (20)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(1) During financial years 2024 and 2023, 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;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3).</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[6]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[7]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[8]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[9]</td>
<td style="vertical-align: top;" valign="top">(1) The balance of discontinued hedges is not significant.</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_HedgedItemsInFairValueHedgesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Hedged items in fair value 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_HedgedItemsInFairValueHedgesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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</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_DebtInstrumentsHeldAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity at amortised cost. [Refer: Debt instruments held; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldAtAmortisedCost</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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 representing indebtedness held by the entity that are measured at fair value through other comprehensive income. [Refer: Debt instruments held; 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>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome</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_DebtInstrumentsIssuedAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsIssuedAtAmortisedCost</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_DepositsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 held by the entity at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsAtAmortisedCost</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_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 2024-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Loans and advances; Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LoansAndAdvancesAtAmortisedCost</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_bbva_InstrumentsCoveredByFairValueHedgesAxis=ifrs-full_CarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InstrumentsCoveredByFairValueHedgesAxis=ifrs-full_CarryingAmountMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis=bbva_InterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis=bbva_InterestRateMember</td>
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<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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis=bbva_ForeignExchangeAndGoldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis=bbva_ForeignExchangeAndGoldMember</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis=bbva_OtherMember</td>
</tr>
<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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_RemainingAdjustmentsForDiscontinuedMicroHedgesIncludingHedgesOfNetPositionsMember</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>
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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;">bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_HedgedItemsInPortfolioHedgeOfInterestRateRiskMember</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>
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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;">bbva_InstrumentsCoveredByFairValueHedgesAxis=bbva_RecognizedInefectivenessInProfitOrLossMember</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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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360536864176">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 15 Calendar of the notional maturities of the hedging instruments (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
</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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">&#8364; 60,021<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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=bbva_OfWhichInterestRateFairValueHedgesMember', window );">Of which interest rate fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">58,735<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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">39,687<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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=bbva_OfWhichInterestRateCashFlowHedgesMember', window );">Of which interest rate cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">35,348<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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investment in foreign operations [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">13,234<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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=bbva_PortfolioFairValueHedgesOfInterestRateRiskMember', window );">Portfolio fair value hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">2,841<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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember', window );">Portfolio cash flow hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">47<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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=ifrs-full_DerivativesMember', window );">Derivatives [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">115,830<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_bbva_PeriodTimeAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Not later than three months [member] | Fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">5,183<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_bbva_PeriodTimeAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Not later than three months [member] | Of which interest rate fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">5,160<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_bbva_PeriodTimeAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Not later than three months [member] | Cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">4,280<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_bbva_PeriodTimeAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Not later than three months [member] | Of which interest rate cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">4,280<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_bbva_PeriodTimeAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Not later than three months [member] | Hedges of net investment in foreign operations [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">12,222<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_bbva_PeriodTimeAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Not later than three months [member] | Portfolio fair value hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">893<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_bbva_PeriodTimeAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Not later than three months [member] | Portfolio cash flow hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">0<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_bbva_PeriodTimeAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Not later than three months [member] | Derivatives [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">22,579<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">Later than three months and not later than one year [member] | Fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">10,799<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">Later than three months and not later than one year [member] | Of which interest rate fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">10,650<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">Later than three months and not later than one year [member] | Cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">16,775<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">Later than three months and not later than one year [member] | Of which interest rate cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">16,577<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">Later than three months and not later than one year [member] | Hedges of net investment in foreign operations [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">861<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">Later than three months and not later than one year [member] | Portfolio fair value hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">179<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">Later than three months and not later than one year [member] | Portfolio cash flow hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">0<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">Later than three months and not later than one year [member] | Derivatives [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">28,614<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember', window );">Later than one year and not later than five years [member] | Fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">23,509<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember', window );">Later than one year and not later than five years [member] | Of which interest rate fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">22,903<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember', window );">Later than one year and not later than five years [member] | Cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">13,346<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember', window );">Later than one year and not later than five years [member] | Of which interest rate cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">11,689<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember', window );">Later than one year and not later than five years [member] | Hedges of net investment in foreign operations [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">0<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember', window );">Later than one year and not later than five years [member] | Portfolio fair value hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">1,364<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember', window );">Later than one year and not later than five years [member] | Portfolio cash flow hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">0<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember', window );">Later than one year and not later than five years [member] | Derivatives [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">38,218<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">20,530<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Of which interest rate fair value hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">20,023<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">5,286<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Of which interest rate cash flow hedges [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">2,801<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Hedges of net investment in foreign operations [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">150<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Portfolio fair value hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">406<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Portfolio cash flow hedges of interest rate risk [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#160;<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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">47<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_bbva_PeriodTimeAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member] | Derivatives [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_bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems', window );"><strong>Notional maturities of the hedging instruments [Line Items]</strong></a></td>
<td class="text">&#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_NotionalMaturitiesOfTheHedgingInstruments', window );">Notional maturities of the hedging instruments</a></td>
<td class="nump">&#8364; 26,419<span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Notional maturities of the hedging 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">
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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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=ifrs-full_CashFlowHedgesMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember</td>
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<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;">bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=bbva_PortfolioFairValueHedgesOfInterestRateRiskMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">bbva_NotionalMaturitiesOfTheHedgingInstrumentsAxis=ifrs-full_DerivativesMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodTimeAxis=ifrs-full_NotLaterThanThreeMonthsMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodTimeAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodTimeAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodTimeAxis=ifrs-full_LaterThanFiveYearsMember</td>
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 16 Investments In Subsidiaries Joint Ventures And Associates (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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="nump">&#8364; 94<span></span>
</td>
<td class="nump">&#8364; 93<span></span>
</td>
<td class="nump">&#8364; 100<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_InvestmentsInAssociates', window );">Investments in associates</a></td>
<td class="nump">895<span></span>
</td>
<td class="nump">883<span></span>
</td>
<td class="nump">816<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_InvestmentsInSubsidiariesJointVenturesAndAssociates', window );">Investments in subsidiaries, joint ventures and associates</a></td>
<td class="nump">989<span></span>
</td>
<td class="nump">976<span></span>
</td>
<td class="nump">916<span></span>
</td>
<td class="nump">&#8364; 900<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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_AlturaMarketsSVSAMember', window );">Altura markets SV SA [Member]</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>
</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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_InvestmentsInJointVentures', window );">Investments in joint ventures</a></td>
<td class="nump">38<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="nump">42<span></span>
</td>
<td class="text">&#160;<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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_RCIColombiaMember', window );">RCI Colombia [Member]</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>
</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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="nump">37<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="text">&#160;<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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_OtherJointVenturesMember', window );">Other joint ventures [Member]</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>
</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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_InvestmentsInJointVentures', window );">Investments in joint ventures</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="text">&#160;<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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_MetrovacesaSAMember', window );">Metrovacesa SA [Member]</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>
</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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_InvestmentsInAssociates', window );">Investments in associates</a></td>
<td class="nump">300<span></span>
</td>
<td class="nump">259<span></span>
</td>
<td class="nump">259<span></span>
</td>
<td class="text">&#160;<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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_BBVAAllianzSegurosYReasegurosSAMember', window );">BBVA allianz seguros y reaseguros SA [Member]</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>
</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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="nump">265<span></span>
</td>
<td class="nump">251<span></span>
</td>
<td class="nump">248<span></span>
</td>
<td class="text">&#160;<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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_ATOMBankPLCMember', window );">ATOM Bank PLC [Member]</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>
</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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_InvestmentsInAssociates', window );">Investments in associates</a></td>
<td class="nump">222<span></span>
</td>
<td class="nump">211<span></span>
</td>
<td class="nump">132<span></span>
</td>
<td class="text">&#160;<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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_RedsysServiciosDeProcesamientoSLMember', window );">Redsys servicios de procesamiento SL [Member]</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>
</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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="nump">20<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="text">&#160;<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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_ServiciosElectronicosGlobalesSADeCVMember', window );">Servicios electronicos globales SA de CV [Member]</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>
</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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_InvestmentsInAssociates', window );">Investments in associates</a></td>
<td class="nump">43<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="text">&#160;<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_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_OtherAssociatesMember', window );">Other associates [Member]</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>
</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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems', window );"><strong>Disclosure of Investments in subsidiaries joint ventures and associates [Line Items]</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>
</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="nump">&#8364; 45<span></span>
</td>
<td class="nump">&#8364; 105<span></span>
</td>
<td class="nump">&#8364; 134<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of 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">
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<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: Total for all 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 2024-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<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: Total for all 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 2024-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<tr>
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<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: Total for all associates [member]; Total for all joint ventures [member]; Total for all 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 2024-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_OtherJointVenturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_OtherJointVenturesMember</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>
</tr>
</table></div>
</div></td></tr>
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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;">bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_MetrovacesaSAMember</td>
</tr>
<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>
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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;">bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_BBVAAllianzSegurosYReasegurosSAMember</td>
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<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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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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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;">bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_ATOMBankPLCMember</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></div>
</div></td></tr>
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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;">bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_RedsysServiciosDeProcesamientoSLMember</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>
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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;">bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_ServiciosElectronicosGlobalesSADeCVMember</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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<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;">bbva_JointVenturesAndAssociatesBreakdownByEntitiesAxis=bbva_OtherAssociatesMember</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>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>201
<FILENAME>R182.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360732785024">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 16 Joint ventures and associates changes in the year (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_JointVenturesAndAssociatesChangesInTheYearLineItems', window );"><strong>Joint ventures and associates changes in the year [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_InvestmentsInSubsidiariesJointVenturesAndAssociates', window );">Investments in subsidiaries, joint ventures and associates reported in separate financial statements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 976<span></span>
</td>
<td class="nump">&#8364; 916<span></span>
</td>
<td class="nump">&#8364; 900<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_AcquisitionsAndCapitalIncreases', window );">Acquisitions and capital increases</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td class="nump">87<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_DisposalsAndCapitalReductions', window );">Disposals and capital reductions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(28)<span></span>
</td>
<td class="num">(42)<span></span>
</td>
<td class="num">(88)<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_TransfersAndChangesOfConsolidationMethod', window );">Transfers and changes of consolidation Method</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(69)<span></span>
</td>
<td class="nump">4<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_ShareOfProfitAndLoss', window );">Share of profit and loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">40<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">21<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_ExchangeDifferences', window );">Exchange differences</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="num">(1)<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_ValuationAdjustments', window );">Valuation adjustments</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">63<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="nump">42<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_DividendsValuationAdjustmentsAndOthers', window );">Dividends valuation adjustments and others</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(30)<span></span>
</td>
<td class="num">(44)<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_InvestmentsInSubsidiariesJointVenturesAndAssociates', window );">Investments in subsidiaries, joint ventures and associates reported in separate financial statements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 989<span></span>
</td>
<td class="nump">&#8364; 976<span></span>
</td>
<td class="nump">&#8364; 916<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) See Note 16.3.</span></div></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_AcquisitionsAndCapitalIncreases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Acquisitions and capital increases</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_AcquisitionsAndCapitalIncreases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>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_DisposalsAndCapitalReductions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disposals and capital reductions</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_DisposalsAndCapitalReductions</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_DividendsValuationAdjustmentsAndOthers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Dividends valuation adjustments and others</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_DividendsValuationAdjustmentsAndOthers</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_ExchangeDifferences">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exchange differences</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_ExchangeDifferences</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_JointVenturesAndAssociatesChangesInTheYearLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Joint ventures and associates changes in the year</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_JointVenturesAndAssociatesChangesInTheYearLineItems</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_ShareOfProfitAndLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_ShareOfProfitAndLoss</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_TransfersAndChangesOfConsolidationMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers and changes of consolidation Method</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_TransfersAndChangesOfConsolidationMethod</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_ValuationAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Valuation adjustments</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_ValuationAdjustments</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_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: Total for all associates [member]; Total for all joint ventures [member]; Total for all 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 2024-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
</div>
</body>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360569741200">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 17 Tangible Assets Breakdown By Type Of Asset (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">&#8364; 16,432<span></span>
</td>
<td class="nump">&#8364; 15,089<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 13,535<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">17,567<span></span>
</td>
<td class="nump">16,432<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">15,089<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">6,896<span></span>
</td>
<td class="nump">6,066<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">5,641<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">7,547<span></span>
</td>
<td class="nump">6,896<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,066<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">283<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">596<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">260<span></span>
</td>
<td class="nump">283<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">286<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">9,253<span></span>
</td>
<td class="nump">8,737<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">7,298<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">9,759<span></span>
</td>
<td class="nump">9,253<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,737<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_AdditionsTangibleAssetsMember', window );">Additions tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">1,914<span></span>
</td>
<td class="nump">1,795<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,726<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">972<span></span>
</td>
<td class="nump">867<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">818<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="num">(29)<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(53)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_RetirementsTangibleAssetsMember', window );">Retirements tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(566)<span></span>
</td>
<td class="num">(349)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,784)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(161)<span></span>
</td>
<td class="num">(111)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(392)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_AcquisitionOfSubsidiariesInTheYearMember', window );">Acquisition of subsidiaries in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,392<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_DisposalOfEntitiesInTheYearMember', window );">Disposal of entities in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_TransfersOfTangibleAssetsMember', window );">Transfers of tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(22)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(360)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">5<span></span>
</td>
<td class="num">(11)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(139)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="num">(5)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">13<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_ExchangeDifferenceAndOtherTangibleAssetsMember', window );">Exchange difference and other tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(208)<span></span>
</td>
<td class="num">(79)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">580<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(165)<span></span>
</td>
<td class="nump">85<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">138<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">13<span></span>
</td>
<td class="num">(18)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(270)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember', window );">Additions transfer to discontinued operations tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">6,405<span></span>
</td>
<td class="nump">6,255<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,350<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">6,475<span></span>
</td>
<td class="nump">6,405<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,255<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">1,226<span></span>
</td>
<td class="nump">1,064<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">900<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">1,262<span></span>
</td>
<td class="nump">1,226<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,064<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">166<span></span>
</td>
<td class="nump">154<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">114<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">118<span></span>
</td>
<td class="nump">166<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">154<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">5,013<span></span>
</td>
<td class="nump">5,036<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,336<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">5,094<span></span>
</td>
<td class="nump">5,013<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">5,036<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings [member] | Additions tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">295<span></span>
</td>
<td class="nump">270<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">366<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">123<span></span>
</td>
<td class="nump">121<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">108<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="num">(65)<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(29)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings [member] | Retirements tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(38)<span></span>
</td>
<td class="num">(19)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(4)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(25)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings [member] | Acquisition of subsidiaries in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,392<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings [member] | Disposal of entities in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings [member] | Transfers of tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(21)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(4)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings [member] | Exchange difference and other tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(192)<span></span>
</td>
<td class="num">(113)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">171<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(56)<span></span>
</td>
<td class="nump">52<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">47<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">16<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">70<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings [member] | Additions transfer to discontinued operations tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember', window );">Work in progress [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">199<span></span>
</td>
<td class="nump">93<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">67<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">155<span></span>
</td>
<td class="nump">199<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">93<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">199<span></span>
</td>
<td class="nump">93<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">67<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">155<span></span>
</td>
<td class="nump">199<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">93<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember', window );">Work in progress [Member] | Additions tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">110<span></span>
</td>
<td class="nump">190<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">71<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember', window );">Work in progress [Member] | Retirements tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember', window );">Work in progress [Member] | Acquisition of subsidiaries in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember', window );">Work in progress [Member] | Disposal of entities in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember', window );">Work in progress [Member] | Transfers of tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(136)<span></span>
</td>
<td class="num">(72)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(54)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember', window );">Work in progress [Member] | Exchange difference and other tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(17)<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember', window );">Work in progress [Member] | Additions transfer to discontinued operations tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember', window );">Furniture, fixtures and vehicles [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">6,424<span></span>
</td>
<td class="nump">5,833<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">5,388<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">6,848<span></span>
</td>
<td class="nump">6,424<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">5,833<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">4,606<span></span>
</td>
<td class="nump">4,204<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,833<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">4,850<span></span>
</td>
<td class="nump">4,606<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,204<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">1,817<span></span>
</td>
<td class="nump">1,629<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,555<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">1,999<span></span>
</td>
<td class="nump">1,817<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,629<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember', window );">Furniture, fixtures and vehicles [Member] | Additions tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">513<span></span>
</td>
<td class="nump">549<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">475<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">501<span></span>
</td>
<td class="nump">426<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">393<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember', window );">Furniture, fixtures and vehicles [Member] | Retirements tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(89)<span></span>
</td>
<td class="num">(117)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(140)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(87)<span></span>
</td>
<td class="num">(73)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(132)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember', window );">Furniture, fixtures and vehicles [Member] | Acquisition of subsidiaries in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember', window );">Furniture, fixtures and vehicles [Member] | Disposal of entities in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember', window );">Furniture, fixtures and vehicles [Member] | Transfers of tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">145<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(40)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">10<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">52<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember', window );">Furniture, fixtures and vehicles [Member] | Exchange difference and other tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(145)<span></span>
</td>
<td class="nump">118<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(181)<span></span>
</td>
<td class="nump">57<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">59<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="num">(2)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(4)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember', window );">Furniture, fixtures and vehicles [Member] | Additions transfer to discontinued operations tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">2,212<span></span>
</td>
<td class="nump">1,871<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,154<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">2,439<span></span>
</td>
<td class="nump">2,212<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,871<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">906<span></span>
</td>
<td class="nump">653<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">811<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">1,164<span></span>
</td>
<td class="nump">906<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">653<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">40<span></span>
</td>
<td class="nump">65<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">427<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">65<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">1,266<span></span>
</td>
<td class="nump">1,153<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,916<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">1,253<span></span>
</td>
<td class="nump">1,266<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,153<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member] | Additions tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">574<span></span>
</td>
<td class="nump">499<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">578<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">324<span></span>
</td>
<td class="nump">296<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">295<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="num">(18)<span></span>
</td>
<td class="num">(14)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(45)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member] | Retirements tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(332)<span></span>
</td>
<td class="num">(195)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,620)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(42)<span></span>
</td>
<td class="num">(26)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(244)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member] | Acquisition of subsidiaries in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member] | Disposal of entities in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member] | Transfers of tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(44)<span></span>
</td>
<td class="num">(18)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(274)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">22<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(220)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(7)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member] | Exchange difference and other tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">29<span></span>
</td>
<td class="nump">55<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">32<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(46)<span></span>
</td>
<td class="num">(12)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(11)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(309)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member] | Additions transfer to discontinued operations tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember', window );">Right to use investment properties [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">238<span></span>
</td>
<td class="nump">214<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">162<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">251<span></span>
</td>
<td class="nump">238<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">214<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">93<span></span>
</td>
<td class="nump">70<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">47<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">91<span></span>
</td>
<td class="nump">93<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">70<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">61<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">34<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">81<span></span>
</td>
<td class="nump">61<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">50<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">84<span></span>
</td>
<td class="nump">94<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">81<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">79<span></span>
</td>
<td class="nump">84<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">94<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember', window );">Right to use investment properties [Member] | Additions tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">19<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">18<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">16<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember', window );">Right to use investment properties [Member] | Retirements tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(32)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember', window );">Right to use investment properties [Member] | Acquisition of subsidiaries in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember', window );">Right to use investment properties [Member] | Disposal of entities in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember', window );">Right to use investment properties [Member] | Transfers of tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">44<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">33<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(22)<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember', window );">Right to use investment properties [Member] | Exchange difference and other tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember', window );">Right to use investment properties [Member] | Additions transfer to discontinued operations tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">156<span></span>
</td>
<td class="nump">242<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">147<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">241<span></span>
</td>
<td class="nump">156<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">242<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">17<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">23<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">21<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">17<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">124<span></span>
</td>
<td class="nump">201<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">109<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">174<span></span>
</td>
<td class="nump">124<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">201<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property [member] | Additions tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">52<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">95<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">5<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">31<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property [member] | Retirements tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(19)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(13)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property [member] | Acquisition of subsidiaries in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property [member] | Disposal of entities in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property [member] | Transfers of tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(20)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(4)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">13<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="num">(5)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">21<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property [member] | Exchange difference and other tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">63<span></span>
</td>
<td class="num">(115)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">23<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">8<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="num">(2)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(26)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property [member] | Additions transfer to discontinued operations tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember', window );">Tangible assets leased out under an operating lease [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">800<span></span>
</td>
<td class="nump">582<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">267<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssets', window );">Cost of tangible assets</a></td>
<td class="nump">1,158<span></span>
</td>
<td class="nump">800<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">582<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">49<span></span>
</td>
<td class="nump">52<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">33<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciation', window );">Accrued depreciation</a></td>
<td class="nump">153<span></span>
</td>
<td class="nump">49<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">52<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssets', window );">Impairment of tangible assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">751<span></span>
</td>
<td class="nump">530<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">234<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">1,004<span></span>
</td>
<td class="nump">751<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">530<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember', window );">Tangible assets leased out under an operating lease [Member] | Additions tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">369<span></span>
</td>
<td class="nump">238<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">122<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember', window );">Tangible assets leased out under an operating lease [Member] | Retirements tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="num">(63)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="num">(6)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember', window );">Tangible assets leased out under an operating lease [Member] | Acquisition of subsidiaries in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember', window );">Tangible assets leased out under an operating lease [Member] | Disposal of entities in the year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember', window );">Tangible assets leased out under an operating lease [Member] | Transfers of tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember', window );">Tangible assets leased out under an operating lease [Member] | Exchange difference and other tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CostOfTangibleAssetsChangesInTheYear', window );">Cost of tangible assets changes in the year</a></td>
<td class="nump">53<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">193<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">111<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">19<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember', window );">Tangible assets leased out under an operating lease [Member] | Additions transfer to discontinued operations tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems', window );"><strong>Disclosure of Tangible assets breakdown by type of asset [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccruedDepreciationChangesInTheYear', window );">Accrued depreciation changes in the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ImpairmentOfTangibleAssetsChangesInTheYear', window );">Impairment of tangible assets changes in the year</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) The number of branches in 2022 was affected by 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.</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><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%">The amount in 2022 was affected by 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: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 BBVA Group.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) </span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">The variation in 2022 corresponds mainly to the effect of the IAS 29 "Financial Reporting in Hyperinflationary Economies" implementation in Turkey (see Note</span> 2.2.18)</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_AccruedDepreciation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accrued depreciation</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_AccruedDepreciation</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AccruedDepreciationChangesInTheYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accrued depreciation changes in the year</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_AccruedDepreciationChangesInTheYear</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_CostOfTangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cost of 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_CostOfTangibleAssets</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_CostOfTangibleAssetsChangesInTheYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cost of tangible assets changes in the year</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_CostOfTangibleAssetsChangesInTheYear</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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Tangible assets breakdown by type of asset</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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems</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_ImpairmentOfTangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 of 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_ImpairmentOfTangibleAssets</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_ImpairmentOfTangibleAssetsChangesInTheYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 of tangible assets changes in the year</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_ImpairmentOfTangibleAssetsChangesInTheYear</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_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_TangibleAssetsBreakdownByDetailAxis=bbva_AdditionsTangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TangibleAssetsBreakdownByDetailAxis=bbva_AdditionsTangibleAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_RetirementsTangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TangibleAssetsBreakdownByDetailAxis=bbva_RetirementsTangibleAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_AcquisitionOfSubsidiariesInTheYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TangibleAssetsBreakdownByDetailAxis=bbva_AcquisitionOfSubsidiariesInTheYearMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_DisposalOfEntitiesInTheYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TangibleAssetsBreakdownByDetailAxis=bbva_DisposalOfEntitiesInTheYearMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_TransfersOfTangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TangibleAssetsBreakdownByDetailAxis=bbva_TransfersOfTangibleAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_ExchangeDifferenceAndOtherTangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TangibleAssetsBreakdownByDetailAxis=bbva_ExchangeDifferenceAndOtherTangibleAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TangibleAssetsBreakdownByDetailAxis=bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TangibleAssetsBreakdownByDetailAxis=bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfTangibleAssetsAxis=ifrs-full_LandAndBuildingsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfTangibleAssetsAxis=bbva_WorkInProgressMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfTangibleAssetsAxis=bbva_FurnitureFixturesAndVehiclesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfTangibleAssetsAxis=ifrs-full_RightofuseAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfTangibleAssetsAxis=bbva_RightToUseInvestmentPropertiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfTangibleAssetsAxis=ifrs-full_InvestmentPropertyMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ClassesOfTangibleAssetsAxis=bbva_TangibleAssetsLeasedOutUnderAnOperatingLeaseMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>203
<FILENAME>R184.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360560780624">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 17 Tangible assets by Spanish and foreign subsidiaries net assets values (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2021</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_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems', window );"><strong>Tangible assets by Spanish and foreign subsidiaries [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#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_TangibleAssets', window );">Total tangible assets by Spanish and foreign subsidiaries</a></td>
<td class="nump">&#8364; 9,759<span></span>
</td>
<td class="nump">&#8364; 9,253<span></span>
</td>
<td colspan="2" class="nump">&#8364; 8,737<span></span>
</td>
<td class="nump">&#8364; 7,298<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_bbva_TangibleAssetsByGroupingSubsidiariesAxis=bbva_BBVAAndSpanishSubsidiariesMember', window );">BBVA and Spanish Subsidiaries [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems', window );"><strong>Tangible assets by Spanish and foreign subsidiaries [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_TangibleAssets', window );">Total tangible assets by Spanish and foreign subsidiaries</a></td>
<td class="nump">4,129<span></span>
</td>
<td class="nump">4,183<span></span>
</td>
<td colspan="2" class="nump">4,285<span></span>
</td>
<td class="text">&#160;<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_bbva_TangibleAssetsByGroupingSubsidiariesAxis=bbva_ForeignSubsidiariesMember', window );">Foreign subsidiaries [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems', window );"><strong>Tangible assets by Spanish and foreign subsidiaries [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#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_TangibleAssets', window );">Total tangible assets by Spanish and foreign subsidiaries</a></td>
<td class="nump">&#8364; 5,630<span></span>
</td>
<td class="nump">&#8364; 5,071<span></span>
</td>
<td colspan="2" class="nump">&#8364; 4,452<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) The number of branches in 2022 was affected by 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.</span></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_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_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 by Spanish and foreign subsidiaries</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_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems</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_TangibleAssetsByGroupingSubsidiariesAxis=bbva_BBVAAndSpanishSubsidiariesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TangibleAssetsByGroupingSubsidiariesAxis=bbva_BBVAAndSpanishSubsidiariesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TangibleAssetsByGroupingSubsidiariesAxis=bbva_ForeignSubsidiariesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TangibleAssetsByGroupingSubsidiariesAxis=bbva_ForeignSubsidiariesMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>204
<FILENAME>R185.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572352464">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 18 Reconciliation Of Changes In Goodwill (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Disclosure of reconciliation of changes in goodwill [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_Goodwill', window );">Goodwill at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 795<span></span>
</td>
<td class="nump">&#8364; 707<span></span>
</td>
<td class="nump">&#8364; 818<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_AdditionalRecognitionGoodwill', window );">Additional recognition, goodwill</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_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase (decrease) through net exchange differences, goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(95)<span></span>
</td>
<td class="nump">88<span></span>
</td>
<td class="nump">41<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_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment loss recognised in profit or loss, goodwill</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_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill', window );">Increase Decrease Through Companies In The Process Of Sale Goodwill</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_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill', window );">Increase (decrease) through transfers and other changes, intangible assets and goodwill</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="num">(152)<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_Goodwill', window );">Goodwill at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">700<span></span>
</td>
<td class="nump">795<span></span>
</td>
<td class="nump">707<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_bbva_BreakdownByUGEsAxis=country_MX', window );">MEXICO</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_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Disclosure of reconciliation of changes in goodwill [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="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 at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">623<span></span>
</td>
<td class="nump">559<span></span>
</td>
<td class="nump">504<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_AdditionalRecognitionGoodwill', window );">Additional recognition, goodwill</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_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase (decrease) through net exchange differences, goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(82)<span></span>
</td>
<td class="nump">64<span></span>
</td>
<td class="nump">55<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_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment loss recognised in profit or loss, goodwill</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_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill', window );">Increase Decrease Through Companies In The Process Of Sale Goodwill</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_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill', window );">Increase (decrease) through transfers and other changes, intangible assets and goodwill</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="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_Goodwill', window );">Goodwill at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">541<span></span>
</td>
<td class="nump">623<span></span>
</td>
<td class="nump">559<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_bbva_BreakdownByUGEsAxis=country_TR', window );">TURKEY</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Disclosure of reconciliation of changes in goodwill [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_Goodwill', window );">Goodwill at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">152<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_AdditionalRecognitionGoodwill', window );">Additional recognition, goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase (decrease) through net exchange differences, goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment loss recognised in profit or loss, goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill', window );">Increase Decrease Through Companies In The Process Of Sale Goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill', window );">Increase (decrease) through transfers and other changes, intangible assets and goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(152)<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_Goodwill', window );">Goodwill at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BreakdownByUGEsAxis=country_CO', window );">COLOMBIA</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_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Disclosure of reconciliation of changes in goodwill [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="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 at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">143<span></span>
</td>
<td class="nump">118<span></span>
</td>
<td class="nump">134<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_AdditionalRecognitionGoodwill', window );">Additional recognition, goodwill</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_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase (decrease) through net exchange differences, goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(11)<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="num">(16)<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_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment loss recognised in profit or loss, goodwill</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_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill', window );">Increase Decrease Through Companies In The Process Of Sale Goodwill</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_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill', window );">Increase (decrease) through transfers and other changes, intangible assets and goodwill</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="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_Goodwill', window );">Goodwill at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">132<span></span>
</td>
<td class="nump">143<span></span>
</td>
<td class="nump">118<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_bbva_BreakdownByUGEsAxis=country_CL', window );">CHILE</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Disclosure of reconciliation of changes in goodwill [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_Goodwill', window );">Goodwill at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">24<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="nump">24<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_AdditionalRecognitionGoodwill', window );">Additional recognition, goodwill</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_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase (decrease) through net exchange differences, goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">1<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_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment loss recognised in profit or loss, goodwill</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_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill', window );">Increase Decrease Through Companies In The Process Of Sale Goodwill</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_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill', window );">Increase (decrease) through transfers and other changes, intangible assets and goodwill</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="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_Goodwill', window );">Goodwill at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">23<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="nump">25<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_bbva_BreakdownByUGEsAxis=bbva_OtherCountriesMember', window );">Other Countries [Member]</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_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Disclosure of reconciliation of changes in goodwill [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="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 at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">4<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_AdditionalRecognitionGoodwill', window );">Additional recognition, goodwill</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_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase (decrease) through net exchange differences, goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<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_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment loss recognised in profit or loss, goodwill</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_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill', window );">Increase Decrease Through Companies In The Process Of Sale Goodwill</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_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill', window );">Increase (decrease) through transfers and other changes, intangible assets and goodwill</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="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_Goodwill', window );">Goodwill at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 4<span></span>
</td>
<td class="nump">&#8364; 5<span></span>
</td>
<td class="nump">&#8364; 5<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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) As a result of the application of IAS 29, as indicated in Note 2.2.18, the book value of the Turkish CGU exceeded the existing recoverable value, so on January 1, 2022 the goodwill as well as other intangible assets assigned to the Turkish CGU were derecognized.</span></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_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Through Companies In The Process Of Sale Goodwill</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_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill</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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdditionalRecognitionGoodwill">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of additional goodwill recognised, except goodwill included in a disposal group that, on acquisition, meets the criteria to be classified as held for sale in accordance with IFRS 5. [Refer: Goodwill; 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 3<br> -IssueDate 2024-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B67_d_ii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<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_AdditionalRecognitionGoodwill</td>
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<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>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of 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">
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<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: Total for all 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 2024-01-01<br> -Paragraph 134<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_134_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2024-01-01<br> -Paragraph 135<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_135_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2024-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B67_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss recognised in profit or loss for goodwill. [Refer: Impairment loss recognised in profit or loss; 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 IFRS<br> -Number 3<br> -IssueDate 2024-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B67_d_v&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<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_ImpairmentLossRecognisedInProfitOrLossGoodwill</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in goodwill resulting from net exchange differences arising on the translation of the financial statements from the functional currency into a different presentation currency, including the translation of a foreign operation into the presentation currency of the reporting entity. [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 IFRS<br> -Number 3<br> -IssueDate 2024-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B67_d_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br></p></div>
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<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in intangible assets and goodwill resulting from transfers and changes that the entity does not separately disclose in the same statement or note. [Refer: Intangible assets and 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 38<br> -IssueDate 2024-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br></p></div>
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<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 18 Impairment test assumptions CGU goodwill in Mexico (Details) - MEXICO<br></strong></div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>Rate</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>Rate</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>Rate</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_ImpairmentTestAssumptionsMexicoLineItems', window );"><strong>Impairment test assumptions Mexico [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>
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<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_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate applied to cash flow projections</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">18.30%<span></span>
</td>
<td class="nump">12.40%<span></span>
</td>
<td class="nump">12.70%<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_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Growth rate used to extrapolate cash flow projections</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5.50%<span></span>
</td>
<td class="nump">5.60%<span></span>
</td>
<td class="nump">6.30%<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) After tax discount rates.</span></div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impairment test assumptions Mexico</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The discount rate applied to cash flow projections for a cash-generating unit (group of units). [Refer: Total for all cash-generating units [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 2024-01-01<br> -Paragraph 134<br> -Subparagraph d<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_134_d_v&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2024-01-01<br> -Paragraph 134<br> -Subparagraph e<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_134_e_v&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td style="white-space:nowrap;">ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The growth rate used to extrapolate cash flow projections beyond the period covered by the most recent budgets/forecasts for a cash-generating unit (group of units). [Refer: Total for all cash-generating units [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 2024-01-01<br> -Paragraph 134<br> -Subparagraph d<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_134_d_iv&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2024-01-01<br> -Paragraph 134<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_134_e_iv&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections</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-2022:percentItemType</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_srt_StatementGeographicalAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_StatementGeographicalAxis=country_MX</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>206
<FILENAME>R187.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535524352">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 18 Sensitivity analysis for main assumptions Mexico (Details) - MEXICO<br></strong></div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>Rate</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>Rate</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>Rate</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_SensitivityAnalysisForMainAssumptionsMexicoLineItems', window );"><strong>Sensitivity analysis for main assumptions Mexico [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_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate applied to cash flow projections</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">18.30%<span></span>
</td>
<td class="nump">12.40%<span></span>
</td>
<td class="nump">12.70%<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_srt_StatementGeographicalAxis=country_MX', window );">Increase of 50 basis points [Member]</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_bbva_SensitivityAnalysisForMainAssumptionsMexicoLineItems', window );"><strong>Sensitivity analysis for main assumptions Mexico [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate applied to cash flow projections</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(3.00%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico', window );">Growth rate used to extrapolate cash flow projections Mexico</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">2.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_srt_StatementGeographicalAxis=country_MX', window );">Decrease of 50 basis points [Member]</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_bbva_SensitivityAnalysisForMainAssumptionsMexicoLineItems', window );"><strong>Sensitivity analysis for main assumptions Mexico [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate applied to cash flow projections</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico', window );">Growth rate used to extrapolate cash flow projections Mexico</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(2.00%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) After tax discount rates.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(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.</span></div></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_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Growth rate used to extrapolate cash flow projections Mexico</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_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico</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>dtr-types1:percentItemType</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_bbva_SensitivityAnalysisForMainAssumptionsMexicoLineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity analysis for main assumptions Mexico</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_SensitivityAnalysisForMainAssumptionsMexicoLineItems</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_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 discount rate applied to cash flow projections for a cash-generating unit (group of units). [Refer: Total for all cash-generating units [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 2024-01-01<br> -Paragraph 134<br> -Subparagraph d<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_134_d_v&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2024-01-01<br> -Paragraph 134<br> -Subparagraph e<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_134_e_v&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DescriptionOfDiscountRatesAppliedToCashFlowProjections</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-2022:percentItemType</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_srt_StatementGeographicalAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_StatementGeographicalAxis=country_MX</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis=bbva_IncreaseOf50BasisPointsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis=bbva_IncreaseOf50BasisPointsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis=bbva_DecreaseOf50BasisPointsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis=bbva_DecreaseOf50BasisPointsMember</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>
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</html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>207
<FILENAME>R188.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360660797872">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 18 Other Intangible Assets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_OtherIntangibleAssetsLineItems', window );"><strong>Other intangible assets [Line Items]</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="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="nump">&#8364; 1,790<span></span>
</td>
<td class="nump">&#8364; 1,568<span></span>
</td>
<td class="nump">&#8364; 1,449<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_bbva_OtherIntangibleAssetsAxis=ifrs-full_ComputerSoftwareMember', window );">Computer software [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherIntangibleAssetsLineItems', window );"><strong>Other intangible assets [Line Items]</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="re">
<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="nump">1,764<span></span>
</td>
<td class="nump">1,535<span></span>
</td>
<td class="nump">1,393<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_bbva_OtherIntangibleAssetsAxis=ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeDomain', window );">Intangible Assets With Indefinite Useful Life</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherIntangibleAssetsLineItems', window );"><strong>Other intangible assets [Line Items]</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="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="nump">9<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">13<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_bbva_OtherIntangibleAssetsAxis=bbva_IntangibleAssetsWithDefiniteUsefulLifeMember', window );">Intangible assets with definite useful life [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherIntangibleAssetsLineItems', window );"><strong>Other intangible assets [Line Items]</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="re">
<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="nump">&#8364; 17<span></span>
</td>
<td class="nump">&#8364; 25<span></span>
</td>
<td class="nump">&#8364; 43<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherIntangibleAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 intangible 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_OtherIntangibleAssetsLineItems</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_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 2024-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_OtherIntangibleAssetsAxis=ifrs-full_ComputerSoftwareMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherIntangibleAssetsAxis=ifrs-full_ComputerSoftwareMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherIntangibleAssetsAxis=ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeDomain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherIntangibleAssetsAxis=ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeDomain</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherIntangibleAssetsAxis=bbva_IntangibleAssetsWithDefiniteUsefulLifeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherIntangibleAssetsAxis=bbva_IntangibleAssetsWithDefiniteUsefulLifeMember</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537606800">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 18 Changes in other intangible assets (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_OtherIntangibleAssetsLineItems', window );"><strong>Other intangible assets [Line Items]</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="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 );">Other intangible assets</a></td>
<td class="nump">&#8364; 1,568<span></span>
</td>
<td class="nump">&#8364; 1,449<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_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets other than goodwill</a></td>
<td class="nump">1,790<span></span>
</td>
<td class="nump">1,568<span></span>
</td>
<td class="nump">&#8364; 1,449<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_bbva_OtherIntangibleAssetsChangesOfTheYearAxis=ifrs-full_ComputerSoftwareMember', window );">Computer software [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherIntangibleAssetsLineItems', window );"><strong>Other intangible assets [Line Items]</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="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 );">Other intangible assets</a></td>
<td class="nump">1,535<span></span>
</td>
<td class="nump">1,396<span></span>
</td>
<td class="nump">1,239<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_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill', window );">Additions other than through business combinations, intangible assets other than goodwill</a></td>
<td class="nump">771<span></span>
</td>
<td class="nump">688<span></span>
</td>
<td class="nump">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_AmortisationIntangibleAssetsOtherThanGoodwill', window );">Amortisation, intangible assets other than goodwill</a></td>
<td class="num">(543)<span></span>
</td>
<td class="num">(518)<span></span>
</td>
<td class="num">(490)<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_AmortizationTransferToDiscontinuedOperations', window );">Amortization transfer to discontinued 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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill', window );">Increase (decrease) through net exchange differences, intangible assets and goodwill</a></td>
<td class="num">(16)<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="num">(80)<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_Impairment', window );">Impairment</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">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_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets other than goodwill</a></td>
<td class="nump">1,764<span></span>
</td>
<td class="nump">1,535<span></span>
</td>
<td class="nump">1,396<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_bbva_OtherIntangibleAssetsChangesOfTheYearAxis=ifrs-full_OtherIntangibleAssetsMember', window );">Other intangible assets [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherIntangibleAssetsLineItems', window );"><strong>Other intangible assets [Line Items]</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="re">
<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 );">Other intangible assets</a></td>
<td class="nump">33<span></span>
</td>
<td class="nump">56<span></span>
</td>
<td class="nump">140<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_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill', window );">Additions other than through business combinations, intangible assets other than goodwill</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">1<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_AmortisationIntangibleAssetsOtherThanGoodwill', window );">Amortisation, intangible assets other than goodwill</a></td>
<td class="num">(18)<span></span>
</td>
<td class="num">(19)<span></span>
</td>
<td class="num">(20)<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_AmortizationTransferToDiscontinuedOperations', window );">Amortization transfer to discontinued 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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill', window );">Increase (decrease) through net exchange differences, intangible assets and goodwill</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">63<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_Impairment', window );">Impairment</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" 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="nump">26<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="nump">56<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_bbva_OtherIntangibleAssetsChangesOfTheYearAxis=bbva_TotalOfIntangibleAssetsMember', window );">Total of intangible assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_OtherIntangibleAssetsLineItems', window );"><strong>Other intangible assets [Line Items]</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="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 );">Other intangible assets</a></td>
<td class="nump">1,568<span></span>
</td>
<td class="nump">1,453<span></span>
</td>
<td class="nump">1,379<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_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill', window );">Additions other than through business combinations, intangible assets other than goodwill</a></td>
<td class="nump">782<span></span>
</td>
<td class="nump">689<span></span>
</td>
<td class="nump">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_AmortisationIntangibleAssetsOtherThanGoodwill', window );">Amortisation, intangible assets other than goodwill</a></td>
<td class="num">(561)<span></span>
</td>
<td class="num">(536)<span></span>
</td>
<td class="num">(510)<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_AmortizationTransferToDiscontinuedOperations', window );">Amortization transfer to discontinued 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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill', window );">Increase (decrease) through net exchange differences, intangible assets and goodwill</a></td>
<td class="num">(16)<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="nump">17<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_Impairment', window );">Impairment</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="num">(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_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets other than goodwill</a></td>
<td class="nump">&#8364; 1,790<span></span>
</td>
<td class="nump">&#8364; 1,568<span></span>
</td>
<td class="nump">&#8364; 1,453<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmortizationTransferToDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortization transfer to 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_AmortizationTransferToDiscontinuedOperations</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_Impairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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</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_Impairment</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_OtherIntangibleAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 intangible 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_OtherIntangibleAssetsLineItems</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_ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 additions to intangible assets other than goodwill, other than those acquired through business combinations. [Refer: Total for all business combinations [member]; 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 2024-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_118_e_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill</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_AmortisationIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 amortisation of intangible assets other than goodwill. [Refer: Depreciation and amortisation expense; 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 2024-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_118_e_vi&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AmortisationIntangibleAssetsOtherThanGoodwill</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_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 intangible assets and goodwill resulting from the net exchange differences arising when the financial statements are translated from the functional currency into a different presentation currency, including the translation of a foreign operation into the presentation currency of the reporting entity. [Refer: Intangible assets and 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 38<br> -IssueDate 2024-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_118_e_vii&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill</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_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 2024-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_OtherIntangibleAssetsChangesOfTheYearAxis=ifrs-full_ComputerSoftwareMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherIntangibleAssetsChangesOfTheYearAxis=ifrs-full_ComputerSoftwareMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherIntangibleAssetsChangesOfTheYearAxis=ifrs-full_OtherIntangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherIntangibleAssetsChangesOfTheYearAxis=ifrs-full_OtherIntangibleAssetsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherIntangibleAssetsChangesOfTheYearAxis=bbva_TotalOfIntangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherIntangibleAssetsChangesOfTheYearAxis=bbva_TotalOfIntangibleAssetsMember</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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360524074400">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 19 Reconciliation of taxation at the Spanish corporation tax rate to the tax expense recorded for the year (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="6">12 Months Ended</th>
</tr>
<tr>
<th class="th" colspan="2"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncomeTaxExpenseContinuingOperations', window );">Tax expense (income)</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 4,830<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 4,003<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 3,505<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_TaxationAtSpanishCorporationTaxRate30PercentMember', window );">Taxation at Spanish corporation tax rate 30 percent [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,622<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,726<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,080<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember', window );">Lower effective tax rate from foreign entities [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">193<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">317<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember', window );">Lower effective tax rate from foreign entities [Member] | MEXICO</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">&#8364; (180)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (194)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (203)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EffectiveTaxPercentageOnReconciliation', window );">Effective tax percentage on reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">28.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">27.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">26.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember', window );">Lower effective tax rate from foreign entities [Member] | CHILE</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">&#8364; (2)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (4)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (8)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EffectiveTaxPercentageOnReconciliation', window );">Effective tax percentage on reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">23.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">13.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember', window );">Lower effective tax rate from foreign entities [Member] | COLOMBIA</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">&#8364; (1)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (25)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 24<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EffectiveTaxPercentageOnReconciliation', window );">Effective tax percentage on reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">29.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">14.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">37.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember', window );">Lower effective tax rate from foreign entities [Member] | PERU</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">&#8364; (44)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (55)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (16)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EffectiveTaxPercentageOnReconciliation', window );">Effective tax percentage on reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">23.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">20.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">27.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember', window );">Lower effective tax rate from foreign entities [Member] | TURKEY</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">&#8364; 498<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 314<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 621<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EffectiveTaxPercentageOnReconciliation', window );">Effective tax percentage on reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">62.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">57.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">70.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember', window );">Lower effective tax rate from foreign entities [Member] | UNITED STATES</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">&#8364; (14)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 5<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 17<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EffectiveTaxPercentageOnReconciliation', window );">Effective tax percentage on reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">26.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">33.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">17.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember', window );">Lower effective tax rate from foreign entities [Member] | Other Countries [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">&#8364; (64)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (39)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (118)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember', window );">Revenues with lower tax rate dividends capital gains [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(44)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(26)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(25)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_EquityAccountedEarningsMember', window );">Equity accounted earnings [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(14)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(8)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(6)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_OtherEffectsReconciliationMember', window );">Other effects Reconciliation [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">73<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">309<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">139<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis=bbva_ReconciliationProfitOrLossBeforeTaxMember', window );">Reconciliation profit or loss before tax [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,405<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">12,419<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,268<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis=bbva_ReconciliationProfitOrLossBeforeTaxMember', window );">Reconciliation profit or loss before tax [Member] | Profit loss before tax from continuing operations [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,405<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">12,419<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,268<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis=bbva_ReconciliationProfitOrLossBeforeTaxMember', window );">Reconciliation profit or loss before tax [Member] | Profit loss before tax from discontinued operations [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis=bbva_ReconciliationIncomeTaxMember', window );">Reconciliation income tax [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,830<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,003<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,505<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></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_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis=bbva_ReconciliationIncomeTaxMember', window );">Reconciliation income tax [Member] | Discontinued operations [member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TaxEffectOfForeignTaxRatesReconciliationLineItems', window );"><strong>Tax effect of foreign tax rates reconciliation [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AmountOfReconciliation', window );">Amount of reconciliation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="7"></td></tr>
<tr><td colspan="7"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In 2024, &#8364;3,970 million and &#8364;860 million corresponded to current tax expenses and deferred tax expenses, respectively.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) 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.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top">(3) Regarding 2024, it shows the net impact of several tax effects that include, among others, (i) the accounting record of the impact associated with the declaration of unconstitutionality of certain measures relating to the Spanish Corporate Income Tax introduced by Royal Decree-Law 3/2016, as well as the impact of some of the measures introduced by Law 7/2024 on Corporate Income Tax that, in particular, are aimed at reinstating the measures declared unconstitutional, (ii) the non-deductibility of the temporary taxation of credit institutions recorded for accounting purposes in the year 2024 (see Note 19.6), and (iii) the effects of the limitation of the exemption on intra-group dividends and the withholding taxes associated with them</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_AmountOfReconciliation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of reconciliation</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_AmountOfReconciliation</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_EffectiveTaxPercentageOnReconciliation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effective tax percentage on reconciliation</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_EffectiveTaxPercentageOnReconciliation</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>dtr-types1:percentItemType</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_TaxEffectOfForeignTaxRatesReconciliationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 effect of foreign tax rates reconciliation</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_TaxEffectOfForeignTaxRatesReconciliationLineItems</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_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 IAS<br> -Number 26<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_TaxationAtSpanishCorporationTaxRate30PercentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_TaxationAtSpanishCorporationTaxRate30PercentMember</td>
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<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>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_LowerEffectiveTaxRateFromForeignEntitiesMember</td>
</tr>
<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>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_MX">
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<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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_MX</td>
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<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>
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<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_CL">
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<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_CL</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_CO">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_CO</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_PE">
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<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_PE</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_TR">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_TR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<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>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_US">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=country_US</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
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<td></td>
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</table></div>
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<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=bbva_OtherCountriesMember</td>
</tr>
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<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>
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<td></td>
</tr>
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<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_RevenuesWithLowerTaxRateDividendsCapitalGainsMember</td>
</tr>
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<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_EquityAccountedEarningsMember">
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<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_EquityAccountedEarningsMember</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>
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<td></td>
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<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis=bbva_OtherEffectsReconciliationMember">
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</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_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis=bbva_ReconciliationProfitOrLossBeforeTaxMember">
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<tr>
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<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationAxis=bbva_ReconciliationProfitOrLossBeforeTaxMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=bbva_ProfitLossBeforeTaxFromContinuingOperationsMember">
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<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=bbva_ProfitLossBeforeTaxFromContinuingOperationsMember</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>
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<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=bbva_ProfitLossBeforeTaxFromDiscontinuedOperationsMember</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>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TaxEffectOfForeignTaxRatesReconciliationAxis=bbva_ReconciliationIncomeTaxMember">
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<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationAxis=bbva_ReconciliationIncomeTaxMember</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>
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<td style="white-space:nowrap;">bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis=ifrs-full_DiscontinuedOperationsMember</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>
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</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>210
<FILENAME>R191.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526479072">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 19 Effective tax rate (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_EffectiveTaxRateLineItems', window );"><strong>Effective tax rate [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 15,405<span></span>
</td>
<td class="nump">&#8364; 12,419<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 10,268<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2],[3]</sup></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="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">&#8364; 4,830<span></span>
</td>
<td class="nump">&#8364; 4,003<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 3,505<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[5]</sup></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_PercentageEffectiveTaxRate', window );">Percentage effective tax rate</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">31.40%<span></span>
</td>
<td class="nump">32.20%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">34.10%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_bbva_EffectiveTaxRateAxis=bbva_ConsolidatedTaxGroupInSpainMember', window );">Consolidated tax group in Spain [Member]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EffectiveTaxRateLineItems', window );"><strong>Effective tax rate [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 4,810<span></span>
</td>
<td class="nump">&#8364; 2,601<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 2,206<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_bbva_EffectiveTaxRateAxis=bbva_OtherSpanishEntitiesMember', window );">Other Spanish entities [Member]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EffectiveTaxRateLineItems', window );"><strong>Effective tax rate [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(41)<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(462)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_bbva_EffectiveTaxRateAxis=bbva_ForeignEntitiesMember', window );">Foreign entities [Member]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_EffectiveTaxRateLineItems', window );"><strong>Effective tax rate [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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ProfitLossBeforeTax', window );">Profit (loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 10,636<span></span>
</td>
<td class="nump">&#8364; 9,812<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 8,524<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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">(2) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the year 2023 have been revised, which has not affected the consolidated financial information of the Group.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Restated according to IFRS 17 - Insurance contracts, which had no material impacts for such period (see </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%">&#8220;Presentation of Financial Information&#8212;Changes in Accounting Policies&#8212;IFRS 17 Insurance contracts</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#8221;). </span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In 2024, &#8364;3,970 million and &#8364;860 million corresponded to current tax expenses and deferred tax expenses, respectively.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_EffectiveTaxRateLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effective tax rate</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_EffectiveTaxRateLineItems</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:stringItemType</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_bbva_PercentageEffectiveTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage effective tax rate</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_PercentageEffectiveTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</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 IAS<br> -Number 26<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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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>
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<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 2024-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
<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_EffectiveTaxRateAxis=bbva_ConsolidatedTaxGroupInSpainMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EffectiveTaxRateAxis=bbva_ConsolidatedTaxGroupInSpainMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EffectiveTaxRateAxis=bbva_OtherSpanishEntitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EffectiveTaxRateAxis=bbva_OtherSpanishEntitiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EffectiveTaxRateAxis=bbva_ForeignEntitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EffectiveTaxRateAxis=bbva_ForeignEntitiesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534225840">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 19 Tax assets and liabilities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><sup>[3]</sup></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_TaxAssetsAndLiabilitiesLineItems', window );"><strong>Tax assets 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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_CurrentTaxAssets', window );">Current tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 4,295<span></span>
</td>
<td class="nump">&#8364; 2,860<span></span>
</td>
<td class="nump">&#8364; 1,978<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,354<span></span>
</td>
<td class="nump">14,641<span></span>
</td>
<td class="nump">14,747<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td colspan="2" class="nump">&#8364; 14,917<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_TaxAssets', window );">Tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">18,650<span></span>
</td>
<td class="nump">17,501<span></span>
</td>
<td class="nump">16,725<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_CurrentTaxLiabilities', window );">Current tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">575<span></span>
</td>
<td class="nump">878<span></span>
</td>
<td class="nump">1,415<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,458<span></span>
</td>
<td class="nump">1,677<span></span>
</td>
<td class="nump">1,520<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td colspan="2" class="nump">&#8364; 1,769<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_TaxLiabilities', window );">Tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,033<span></span>
</td>
<td class="nump">2,554<span></span>
</td>
<td class="nump">2,935<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_PensionsMember', window );">Pensions [Member]</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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_TaxAssetsAndLiabilitiesLineItems', window );"><strong>Tax assets 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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">534<span></span>
</td>
<td class="nump">445<span></span>
</td>
<td class="nump">422<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_FinancialInstrumentsMember', window );">Financial instruments [Member]</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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_TaxAssetsAndLiabilitiesLineItems', window );"><strong>Tax assets 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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,335<span></span>
</td>
<td class="nump">1,069<span></span>
</td>
<td class="nump">1,478<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">915<span></span>
</td>
<td class="nump">761<span></span>
</td>
<td class="nump">557<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_LossAllowancesMember', window );">Loss allowances [Member]</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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_TaxAssetsAndLiabilitiesLineItems', window );"><strong>Tax assets 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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,158<span></span>
</td>
<td class="nump">2,127<span></span>
</td>
<td class="nump">1,834<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_OtherMember', window );">Other [Member]</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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_TaxAssetsAndLiabilitiesLineItems', window );"><strong>Tax assets 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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,495<span></span>
</td>
<td class="nump">1,467<span></span>
</td>
<td class="nump">1,261<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,543<span></span>
</td>
<td class="nump">916<span></span>
</td>
<td class="nump">963<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_SecuredTaxAssetsMember', window );">Secured tax assets [Member]</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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_TaxAssetsAndLiabilitiesLineItems', window );"><strong>Tax assets 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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,979<span></span>
</td>
<td class="nump">8,534<span></span>
</td>
<td class="nump">8,689<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_TaxLossesMember', window );">Tax losses [Member]</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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_TaxAssetsAndLiabilitiesLineItems', window );"><strong>Tax assets 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>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 853<span></span>
</td>
<td class="nump">&#8364; 999<span></span>
</td>
<td class="nump">&#8364; 1,063<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="7"></td></tr>
<tr><td colspan="7"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In 2024, the increase in current tax assets corresponds mainly to a higher tax receivable of the tax group in Spain, as well as in Mexico and Colombia, in relation to the Corporate Income Tax for the year 2024 related to the installment payments made in the year. On the other hand, the decrease in current tax liabilities corresponds mainly to the decrease in the tax payable in Mexico and Argentina in relation to the estimated income tax for the year 2023.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</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_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_TaxAssetsAndLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_TaxAssetsAndLiabilitiesLineItems</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_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_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 2024-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<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-2024-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<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-2024-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_PensionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_PensionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_FinancialInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_FinancialInstrumentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_LossAllowancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_LossAllowancesMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_OtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_OtherMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_SecuredTaxAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_SecuredTaxAssetsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_TaxLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredTaxAsssetsAndLiabilitiesAxis=bbva_TaxLossesMember</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>
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<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 19 Deferred tax assets and liabilities annual variations (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_DefferedTaxAssetsAndLiabilitiesLineItems', window );"><strong>Deffered tax assets and liabilities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">&#8364; 14,641<span></span>
</td>
<td class="nump">&#8364; 14,747<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">&#8364; 14,917<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="nump">1,677<span></span>
</td>
<td class="nump">1,520<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">1,769<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxAssets', window );">Deferred tax assets and liabilities</a></td>
<td class="nump">14,354<span></span>
</td>
<td class="nump">14,641<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">14,747<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="nump">2,458<span></span>
</td>
<td class="nump">1,677<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,520<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_bbva_DeferredTaxAssetsAndLiabilitiesAxis=bbva_DeferredAssetsMember', window );">Deferred assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefferedTaxAssetsAndLiabilitiesLineItems', window );"><strong>Deffered tax assets and liabilities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxPensions', window );">Deferred tax pensions</a></td>
<td class="nump">89<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxFinancialsInstruments', window );">Deferred tax financials instruments</a></td>
<td class="nump">266<span></span>
</td>
<td class="num">(409)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">70<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxLossAllowances', window );">Deferred tax loss allowances</a></td>
<td class="nump">31<span></span>
</td>
<td class="nump">293<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">158<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxOthers', window );">Deferred tax others</a></td>
<td class="nump">28<span></span>
</td>
<td class="nump">206<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">160<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxGuaranteedTaxAssets', window );">Deferred tax guaranteed tax assets</a></td>
<td class="num">(555)<span></span>
</td>
<td class="num">(155)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(615)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxTaxLosses', window );">Deferred tax tax losses</a></td>
<td class="num">(146)<span></span>
</td>
<td class="num">(64)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">51<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DeferredTaxAssetsAndLiabilitiesAxis=bbva_DeferredLiabilitiesMember', window );">Deferred liabilities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefferedTaxAssetsAndLiabilitiesLineItems', window );"><strong>Deffered tax assets and liabilities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxPensions', window );">Deferred tax pensions</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxFinancialsInstruments', window );">Deferred tax financials instruments</a></td>
<td class="nump">154<span></span>
</td>
<td class="nump">204<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(567)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxLossAllowances', window );">Deferred tax loss allowances</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxOthers', window );">Deferred tax others</a></td>
<td class="nump">627<span></span>
</td>
<td class="num">(47)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">318<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxGuaranteedTaxAssets', window );">Deferred tax guaranteed tax assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DeferredTaxTaxLosses', window );">Deferred tax tax losses</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_DeferredTaxFinancialsInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred tax financials 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_DeferredTaxFinancialsInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredTaxGuaranteedTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred tax guaranteed 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_DeferredTaxGuaranteedTaxAssets</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_DeferredTaxLossAllowances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred tax loss allowances</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_DeferredTaxLossAllowances</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_DeferredTaxOthers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred tax others</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_DeferredTaxOthers</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_DeferredTaxPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred tax 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_DeferredTaxPensions</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_DeferredTaxTaxLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred tax tax losses</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_DeferredTaxTaxLosses</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_DefferedTaxAssetsAndLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deffered tax 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_DefferedTaxAssetsAndLiabilitiesLineItems</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_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 2024-01-01<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-2024-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<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-2024-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_DeferredTaxAssetsAndLiabilitiesAxis=bbva_DeferredAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredTaxAssetsAndLiabilitiesAxis=bbva_DeferredAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredTaxAssetsAndLiabilitiesAxis=bbva_DeferredLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredTaxAssetsAndLiabilitiesAxis=bbva_DeferredLiabilitiesMember</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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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571959600">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 19 Secured tax assets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_SecuredTaxAssetsLineItems', window );"><strong>Secured tax assets [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SecuredPensionsTaxAssets', window );">Secured pensions tax assets</a></td>
<td class="nump">&#8364; 1,622<span></span>
</td>
<td class="nump">&#8364; 1,622<span></span>
</td>
<td class="nump">&#8364; 1,622<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_SecuredLossAllowancesTaxAssets', window );">Secured loss allowances tax assets</a></td>
<td class="nump">6,357<span></span>
</td>
<td class="nump">6,912<span></span>
</td>
<td class="nump">7,067<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_TotalSecuredTaxAssets', window );">Total secured tax assets</a></td>
<td class="nump">&#8364; 7,979<span></span>
</td>
<td class="nump">&#8364; 8,534<span></span>
</td>
<td class="nump">&#8364; 8,689<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SecuredLossAllowancesTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Secured loss allowances 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_SecuredLossAllowancesTaxAssets</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_SecuredPensionsTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Secured pensions 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_SecuredPensionsTaxAssets</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_SecuredTaxAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Secured 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_SecuredTaxAssetsLineItems</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_TotalSecuredTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 secured 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_TotalSecuredTaxAssets</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>214
<FILENAME>R195.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571994048">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 20 Other assets and liabilities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_OtherAssetsLineItems', window );"><strong>Other 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 colspan="2" 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_InventoriesTotal', window );">Inventories</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 1,299<span></span>
</td>
<td class="nump">&#8364; 276<span></span>
</td>
<td colspan="2" class="nump">&#8364; 325<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_ItemsInCourseOfCollectionFromOtherBanks', window );">Items in course of collection from other banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">482<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td colspan="2" class="nump">93<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_OtherAssetsAccruals', window );">Other Assets Accruals</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,862<span></span>
</td>
<td class="nump">1,368<span></span>
</td>
<td colspan="2" class="nump">1,461<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_OtherAssetsOtherItems', window );">Other assets other items</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,881<span></span>
</td>
<td class="nump">1,174<span></span>
</td>
<td colspan="2" class="nump">706<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_OtherAssets', window );">Other assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,525<span></span>
</td>
<td class="nump">2,859<span></span>
</td>
<td colspan="2" class="nump">2,586<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_OtherLiabilitiesLineItems', window );"><strong>Other 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 colspan="2" class="text">&#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_OtherLiabilitiesTransactionsInProgress', window );">Other Liabilities Transactions In Progress</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">306<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td colspan="2" class="nump">44<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_OtherLiabilitiesAccruals', window );">Other Liabilities Accruals</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,066<span></span>
</td>
<td class="nump">2,878<span></span>
</td>
<td colspan="2" class="nump">2,595<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_OtherItemsLiabilities', window );">Other items liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,997<span></span>
</td>
<td class="nump">2,466<span></span>
</td>
<td colspan="2" class="nump">2,269<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">&#8364; 5,370<span></span>
</td>
<td class="nump">&#8364; 5,477<span></span>
</td>
<td colspan="2" class="nump">&#8364; 4,909<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) The variation in 2024 corresponds mainly to the acquisition of land plots from the Group's real estate company Crea Madrid Nuevo Norte, S.A. in relation to an urban planning operation in Madrid. </span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_OtherAssetsAccruals">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Assets Accruals</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_OtherAssetsAccruals</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_OtherAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_OtherAssetsLineItems</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_OtherAssetsOtherItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 assets other 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_OtherAssetsOtherItems</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_OtherItemsLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 items 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_OtherItemsLiabilities</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_OtherLiabilitiesAccruals">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Liabilities Accruals</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_OtherLiabilitiesAccruals</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_OtherLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_OtherLiabilitiesLineItems</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>
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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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherLiabilitiesTransactionsInProgress</td>
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<td><strong> Period Type:</strong></td>
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<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 2024-01-01<br> -Paragraph 54<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_g&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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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>The amount of items that have been transmitted from other banks but not yet been received and processed 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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ItemsInCourseOfCollectionFromOtherBanks</td>
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<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherLiabilities">
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<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572474112">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 21 Non Current Assets And Disposal Groups Classified As Held For Sale Breakdown By Items (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale breakdown by items [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_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="num">&#8364; (828)<span></span>
</td>
<td class="num">&#8364; (923)<span></span>
</td>
<td class="num">&#8364; (1,022)<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_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">0<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_ForeclosuresAndRecoveriesMember', window );">Foreclosures and recoveries [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale breakdown by items [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_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="num">(847)<span></span>
</td>
<td class="num">(943)<span></span>
</td>
<td class="num">(1,070)<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_OtherAssetsFromTangibleAssetsMember', window );">Other assets from tangible assets [Member]</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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale breakdown by items [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="re">
<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>[1]</sup></td>
<td class="num">(618)<span></span>
</td>
<td class="num">(1,026)<span></span>
</td>
<td class="num">(1,063)<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_CompaniesHeldForSaleMember', window );">Companies held for sale [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale breakdown by items [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>
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<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="num">(55)<span></span>
</td>
<td class="num">(43)<span></span>
</td>
<td class="num">(40)<span></span>
</td>
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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_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">0<span></span>
</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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_AccruedAmortizationMember', window );">Accrued amortization [Member]</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>
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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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale breakdown by items [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>
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<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>[2]</sup></td>
<td class="num">(46)<span></span>
</td>
<td class="num">(84)<span></span>
</td>
<td class="num">(93)<span></span>
</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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_ImpairmentLossesMember', window );">Impairment losses [Member]</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>
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<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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale breakdown by items [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="re">
<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>[1]</sup></td>
<td class="num">&#8364; (645)<span></span>
</td>
<td class="num">&#8364; (1,005)<span></span>
</td>
<td class="num">&#8364; (1,057)<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 in 2024 is mainly due to sales of properties by the companies Tree Investments Inmobiliarias, SOCIMI, SA and Banco Bilbao Vizcaya Argentaria, 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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Corresponds to the accumulated depreciation of assets before their classification as "Non-current assets and disposal groups classified as held for sale".</span></div></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non current assets and disposal groups classified as held for sale breakdown by 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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems</td>
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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_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 2024-01-01<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph p<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_p&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_ForeclosuresAndRecoveriesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_ForeclosuresAndRecoveriesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_OtherAssetsFromTangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_OtherAssetsFromTangibleAssetsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_CompaniesHeldForSaleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_CompaniesHeldForSaleMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_AccruedAmortizationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_AccruedAmortizationMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_ImpairmentLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis=bbva_ImpairmentLossesMember</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360563609744">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 21 Non current assets and disposal groups classified as held for sale changes in the year (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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_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">&#8364; 923<span></span>
</td>
<td class="nump">&#8364; 1,022<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_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">828<span></span>
</td>
<td class="nump">923<span></span>
</td>
<td class="nump">&#8364; 1,022<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis=bbva_CostMember', window );">Cost [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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_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">1,928<span></span>
</td>
<td class="nump">2,078<span></span>
</td>
<td class="nump">1,711<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_Additions', window );">Additions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">283<span></span>
</td>
<td class="nump">192<span></span>
</td>
<td class="nump">214<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_ContributionsFromMergerTransactions', window );">Contributions from merger transactions</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">592<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_RetirementsSalesAndOtherDecreases', window );">Retirements sales and other decreases</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(784)<span></span>
</td>
<td class="num">(357)<span></span>
</td>
<td class="num">(465)<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_TransfersOtherMovementsAndExchageDifferences', window );">Transfers other movements and exchage differences</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">46<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="nump">27<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_DisposalsByCompaniesHeldForSale', window );">Disposals by companies 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">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_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">1,473<span></span>
</td>
<td class="nump">1,928<span></span>
</td>
<td class="nump">2,078<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis=bbva_ImpairmentMember', window );">Impairment [Member]</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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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="re">
<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">1,005<span></span>
</td>
<td class="nump">1,057<span></span>
</td>
<td class="nump">650<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_Additions', window );">Additions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">83<span></span>
</td>
<td class="nump">42<span></span>
</td>
<td class="nump">221<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_ContributionsFromMergerTransactions', window );">Contributions from merger transactions</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_RetirementsSalesAndOtherDecreases', window );">Retirements sales and other decreases</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(443)<span></span>
</td>
<td class="num">(111)<span></span>
</td>
<td class="num">(148)<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_TransfersOtherMovementsAndExchageDifferences', window );">Transfers other movements and exchage differences</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">333<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_DisposalsByCompaniesHeldForSale', window );">Disposals by companies 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">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_AdditionsTransferToDiscontinuedOperations', window );">Additions transfer to discontinued operations</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_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">645<span></span>
</td>
<td class="nump">1,005<span></span>
</td>
<td class="nump">1,057<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_ForeclosedAssetsMember', window );">Foreclosed assets [Member]</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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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="re">
<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">644<span></span>
</td>
<td class="nump">714<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_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">610<span></span>
</td>
<td class="nump">644<span></span>
</td>
<td class="nump">714<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_ForeclosedAssetsMember', window );">Foreclosed assets [Member] | Cost [Member]</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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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="re">
<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">943<span></span>
</td>
<td class="nump">1,070<span></span>
</td>
<td class="nump">1,218<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_Additions', window );">Additions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">250<span></span>
</td>
<td class="nump">190<span></span>
</td>
<td class="nump">211<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_ContributionsFromMergerTransactions', window );">Contributions from merger transactions</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_RetirementsSalesAndOtherDecreases', window );">Retirements sales and other decreases</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(338)<span></span>
</td>
<td class="num">(323)<span></span>
</td>
<td class="num">(353)<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_TransfersOtherMovementsAndExchageDifferences', window );">Transfers other movements and exchage differences</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(8)<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="num">(6)<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_DisposalsByCompaniesHeldForSale', window );">Disposals by companies 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">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_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">847<span></span>
</td>
<td class="nump">943<span></span>
</td>
<td class="nump">1,070<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_ForeclosedAssetsMember', window );">Foreclosed assets [Member] | Impairment [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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_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">299<span></span>
</td>
<td class="nump">356<span></span>
</td>
<td class="nump">381<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_Additions', window );">Additions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">24<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="nump">64<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_ContributionsFromMergerTransactions', window );">Contributions from merger transactions</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_RetirementsSalesAndOtherDecreases', window );">Retirements sales and other decreases</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(91)<span></span>
</td>
<td class="num">(89)<span></span>
</td>
<td class="num">(102)<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_TransfersOtherMovementsAndExchageDifferences', window );">Transfers other movements and exchage differences</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="nump">13<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_DisposalsByCompaniesHeldForSale', window );">Disposals by companies 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">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_AdditionsTransferToDiscontinuedOperations', window );">Additions transfer to discontinued operations</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_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">237<span></span>
</td>
<td class="nump">299<span></span>
</td>
<td class="nump">356<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=ifrs-full_PropertyPlantAndEquipmentMember', window );">Property, plant and equipment [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non-current assets or disposal groups classified as held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">236<span></span>
</td>
<td class="nump">269<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_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non-current assets or disposal groups classified as held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">163<span></span>
</td>
<td class="nump">236<span></span>
</td>
<td class="nump">269<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=ifrs-full_PropertyPlantAndEquipmentMember', window );">Property, plant and equipment [member] | Cost [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non-current assets or disposal groups classified as held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">943<span></span>
</td>
<td class="nump">970<span></span>
</td>
<td class="nump">452<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_Additions', window );">Additions</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">18<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<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_ContributionsFromMergerTransactions', window );">Contributions from merger transactions</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">592<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_RetirementsSalesAndOtherDecreases', window );">Retirements sales and other decreases</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(446)<span></span>
</td>
<td class="num">(34)<span></span>
</td>
<td class="num">(110)<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_TransfersOtherMovementsAndExchageDifferences', window );">Transfers other movements and exchage differences</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">57<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">35<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_DisposalsByCompaniesHeldForSale', window );">Disposals by companies held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non-current assets or disposal groups classified as held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">572<span></span>
</td>
<td class="nump">943<span></span>
</td>
<td class="nump">970<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=ifrs-full_PropertyPlantAndEquipmentMember', window );">Property, plant and equipment [member] | Impairment [Member]</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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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="re">
<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>[1]</sup></td>
<td class="nump">706<span></span>
</td>
<td class="nump">701<span></span>
</td>
<td class="nump">269<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_Additions', window );">Additions</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">59<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td class="nump">158<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_ContributionsFromMergerTransactions', window );">Contributions from merger transactions</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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_RetirementsSalesAndOtherDecreases', window );">Retirements sales and other decreases</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(352)<span></span>
</td>
<td class="num">(22)<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_TransfersOtherMovementsAndExchageDifferences', window );">Transfers other movements and exchage differences</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(5)<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">320<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_DisposalsByCompaniesHeldForSale', window );">Disposals by companies held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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_AdditionsTransferToDiscontinuedOperations', window );">Additions transfer to discontinued operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non-current assets or disposal groups classified as held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">409<span></span>
</td>
<td class="nump">706<span></span>
</td>
<td class="nump">701<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_CompaniesHeldForSaleMember', window );">Companies held for sale [Member]</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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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="re">
<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">43<span></span>
</td>
<td class="nump">39<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_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">55<span></span>
</td>
<td class="nump">43<span></span>
</td>
<td class="nump">39<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_CompaniesHeldForSaleMember', window );">Companies held for sale [Member] | Cost [Member]</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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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="re">
<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">43<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="nump">41<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_Additions', window );">Additions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<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_ContributionsFromMergerTransactions', window );">Contributions from merger transactions</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_RetirementsSalesAndOtherDecreases', window );">Retirements sales and other decreases</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">(2)<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_TransfersOtherMovementsAndExchageDifferences', window );">Transfers other movements and exchage differences</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3)<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="num">(2)<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_DisposalsByCompaniesHeldForSale', window );">Disposals by companies 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">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_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">55<span></span>
</td>
<td class="nump">43<span></span>
</td>
<td class="nump">39<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_CompaniesHeldForSaleMember', window );">Companies held for sale [Member] | Impairment [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems', window );"><strong>Non current assets and disposal groups classified as held for sale changes in the year [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_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">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_Additions', window );">Additions</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_ContributionsFromMergerTransactions', window );">Contributions from merger transactions</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_RetirementsSalesAndOtherDecreases', window );">Retirements sales and other decreases</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_TransfersOtherMovementsAndExchageDifferences', window );">Transfers other movements and exchage differences</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_DisposalsByCompaniesHeldForSale', window );">Disposals by companies 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">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_AdditionsTransferToDiscontinuedOperations', window );">Additions transfer to discontinued operations</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_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">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Net of accumulated amortization until assets were reclassified as &#8220;Non-current assets and disposal groups classified as held for sale&#8221;.</span></div></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_Additions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Additions</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_Additions</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_AdditionsTransferToDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Additions transfer to 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_AdditionsTransferToDiscontinuedOperations</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_ContributionsFromMergerTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Contributions from merger transactions</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_ContributionsFromMergerTransactions</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_DisposalsByCompaniesHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disposals by 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_DisposalsByCompaniesHeldForSale</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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 changes in the year</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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems</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_RetirementsSalesAndOtherDecreases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Retirements sales and other decreases</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_RetirementsSalesAndOtherDecreases</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_TransfersOtherMovementsAndExchageDifferences">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers other movements and exchage differences</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_TransfersOtherMovementsAndExchageDifferences</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_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 2024-01-01<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis=bbva_CostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis=bbva_CostMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis=bbva_ImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearAxis=bbva_ImpairmentMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_ForeclosedAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_ForeclosedAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=ifrs-full_PropertyPlantAndEquipmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=ifrs-full_PropertyPlantAndEquipmentMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_CompaniesHeldForSaleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAxis=bbva_CompaniesHeldForSaleMember</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>
</div>
</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>217
<FILENAME>R198.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360569703984">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 22 Financial liabilities at amortised cost (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_FinancialLiabilitiesAtAmortisedCostLineItems', window );"><strong>Financial liabilities at amortised cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_TotalDepositsAtAmortisedCost', window );">Total deposits at amortised cost</a></td>
<td class="nump">&#8364; 496,720<span></span>
</td>
<td class="nump">&#8364; 473,835<span></span>
</td>
<td class="nump">&#8364; 459,662<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LiabilitiesDueToCentralBanks', window );">Liabilities due to central banks</a></td>
<td class="nump">14,668<span></span>
</td>
<td class="nump">20,309<span></span>
</td>
<td class="nump">38,323<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="nump">34,406<span></span>
</td>
<td class="nump">40,039<span></span>
</td>
<td class="nump">26,935<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="nump">447,646<span></span>
</td>
<td class="nump">413,487<span></span>
</td>
<td class="nump">394,404<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="nump">69,867<span></span>
</td>
<td class="nump">68,707<span></span>
</td>
<td class="nump">55,429<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">17,753<span></span>
</td>
<td class="nump">15,046<span></span>
</td>
<td class="nump">14,081<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3],[4]</sup></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_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortised cost</a></td>
<td class="nump">584,339<span></span>
</td>
<td class="nump">557,589<span></span>
</td>
<td class="nump">529,172<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_bbva_FinancialLiabilitiesAtAmortisedCostAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCostLineItems', window );"><strong>Financial liabilities at amortised cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_LiabilitiesDueToCentralBanks', window );">Liabilities due to central banks</a></td>
<td class="nump">657<span></span>
</td>
<td class="nump">159<span></span>
</td>
<td class="nump">205<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="nump">6,977<span></span>
</td>
<td class="nump">6,629<span></span>
</td>
<td class="nump">11,434<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="nump">331,780<span></span>
</td>
<td class="nump">317,543<span></span>
</td>
<td class="nump">316,082<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialLiabilitiesAtAmortisedCostAxis=bbva_TimeDepostisAndOtherMember', window );">Time depostis and other [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCostLineItems', window );"><strong>Financial liabilities at amortised cost [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">6,369<span></span>
</td>
<td class="nump">12,203<span></span>
</td>
<td class="nump">33,534<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="nump">15,049<span></span>
</td>
<td class="nump">12,871<span></span>
</td>
<td class="nump">11,787<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="nump">106,658<span></span>
</td>
<td class="nump">91,740<span></span>
</td>
<td class="nump">76,063<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_FinancialLiabilitiesAtAmortisedCostAxis=bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember', window );">Repurchase Agreements [Member]</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="fn" style="border-bottom: 0px;"></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_FinancialLiabilitiesAtAmortisedCostLineItems', window );"><strong>Financial liabilities at amortised cost [Line Items]</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="fn" style="border-bottom: 0px;"></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_LiabilitiesDueToCentralBanks', window );">Liabilities due to central banks</a></td>
<td class="nump">7,642<span></span>
</td>
<td class="nump">7,947<span></span>
</td>
<td class="nump">4,584<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="nump">12,380<span></span>
</td>
<td class="nump">20,539<span></span>
</td>
<td class="nump">3,714<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="nump">&#8364; 9,208<span></span>
</td>
<td class="nump">&#8364; 4,204<span></span>
</td>
<td class="nump">&#8364; 2,259<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><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:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_FinancialLiabilitiesAtAmortisedCostLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_FinancialLiabilitiesAtAmortisedCostLineItems</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_TotalDepositsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 deposits 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_TotalDepositsAtAmortisedCost</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_DebtInstrumentsIssuedAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsIssuedAtAmortisedCost</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_DepositsFromBanksAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromBanksAtAmortisedCost</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_DepositsFromCustomersAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromCustomersAtAmortisedCost</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_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 2024-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<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 2024-01-01<br> -Paragraph 54<br> -Subparagraph m<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_FinancialLiabilitiesAtAmortisedCostAxis=bbva_DemandDepositsAmortizedCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialLiabilitiesAtAmortisedCostAxis=bbva_DemandDepositsAmortizedCostMember</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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></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_bbva_FinancialLiabilitiesAtAmortisedCostAxis=bbva_TimeDepostisAndOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_FinancialLiabilitiesAtAmortisedCostAxis=bbva_TimeDepostisAndOtherMember</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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;">bbva_FinancialLiabilitiesAtAmortisedCostAxis=bbva_RepurchaseAgreementsOfFinancialLiabilitiesAtAmortizedCostMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572551584">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 22 Deposits from banks (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 34,406<span></span>
</td>
<td class="nump">&#8364; 40,039<span></span>
</td>
<td class="nump">&#8364; 26,935<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_DepositsFromBanksByCountryAxis=country_ES', window );">SPAIN</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,693<span></span>
</td>
<td class="nump">4,585<span></span>
</td>
<td class="nump">2,709<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksByCountryAxis=country_MX', window );">MEXICO</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,185<span></span>
</td>
<td class="nump">1,431<span></span>
</td>
<td class="nump">1,587<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksByCountryAxis=country_TR', window );">TURKEY</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,162<span></span>
</td>
<td class="nump">587<span></span>
</td>
<td class="nump">672<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksByCountryAxis=srt_SouthAmericaMember', window );">South America [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,963<span></span>
</td>
<td class="nump">2,659<span></span>
</td>
<td class="nump">3,095<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksByCountryAxis=srt_EuropeMember', window );">Europe [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">17,832<span></span>
</td>
<td class="nump">25,097<span></span>
</td>
<td class="nump">8,226<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,570<span></span>
</td>
<td class="nump">5,681<span></span>
</td>
<td class="nump">10,645<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,977<span></span>
</td>
<td class="nump">6,629<span></span>
</td>
<td class="nump">11,434<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | SPAIN</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,039<span></span>
</td>
<td class="nump">1,252<span></span>
</td>
<td class="nump">1,215<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | MEXICO</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">973<span></span>
</td>
<td class="nump">789<span></span>
</td>
<td class="nump">855<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | TURKEY</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">158<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | South America [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">577<span></span>
</td>
<td class="nump">416<span></span>
</td>
<td class="nump">844<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | Europe [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,942<span></span>
</td>
<td class="nump">3,011<span></span>
</td>
<td class="nump">3,613<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | Rest of the world [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,289<span></span>
</td>
<td class="nump">1,145<span></span>
</td>
<td class="nump">4,897<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">15,049<span></span>
</td>
<td class="nump">12,871<span></span>
</td>
<td class="nump">11,787<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | SPAIN</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">3,116<span></span>
</td>
<td class="nump">2,434<span></span>
</td>
<td class="nump">1,429<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | MEXICO</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">981<span></span>
</td>
<td class="nump">642<span></span>
</td>
<td class="nump">732<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | TURKEY</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">2,002<span></span>
</td>
<td class="nump">535<span></span>
</td>
<td class="nump">633<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | South America [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">2,387<span></span>
</td>
<td class="nump">2,242<span></span>
</td>
<td class="nump">2,251<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | Europe [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">3,313<span></span>
</td>
<td class="nump">2,742<span></span>
</td>
<td class="nump">2,944<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | Rest of the world [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">3,250<span></span>
</td>
<td class="nump">4,277<span></span>
</td>
<td class="nump">3,797<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DepositsFromBanksRepurchaseAgreementsMember', window );">Deposits from banks repurchase agreements</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12,380<span></span>
</td>
<td class="nump">20,539<span></span>
</td>
<td class="nump">3,714<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DepositsFromBanksRepurchaseAgreementsMember', window );">Deposits from banks repurchase agreements | SPAIN</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">538<span></span>
</td>
<td class="nump">899<span></span>
</td>
<td class="nump">67<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DepositsFromBanksRepurchaseAgreementsMember', window );">Deposits from banks repurchase agreements | MEXICO</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">231<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DepositsFromBanksRepurchaseAgreementsMember', window );">Deposits from banks repurchase agreements | TURKEY</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2<span></span>
</td>
<td class="nump">37<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DepositsFromBanksRepurchaseAgreementsMember', window );">Deposits from banks repurchase agreements | South America [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</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>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DepositsFromBanksRepurchaseAgreementsMember', window );">Deposits from banks repurchase agreements | Europe [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,578<span></span>
</td>
<td class="nump">19,344<span></span>
</td>
<td class="nump">1,669<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DepositsFromBanksRepurchaseAgreementsMember', window );">Deposits from banks repurchase agreements | Rest of the world [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksBreakdownByGeographyLineItems', window );"><strong>Deposits From Banks Breakdown By Geography [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromBanksAtAmortisedCost', window );">Deposits from banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 31<span></span>
</td>
<td class="nump">&#8364; 259<span></span>
</td>
<td class="nump">&#8364; 1,949<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Subordinated deposits are included amounting to &#8364;48, &#8364;35 and &#8364;24 million as of December 31, 2024, 2023 and 2022, respectively.</span></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_DepositsFromBanksBreakdownByGeographyLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Banks Breakdown By Geography</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_DepositsFromBanksBreakdownByGeographyLineItems</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>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromBanksAtAmortisedCost">
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<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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromBanksAtAmortisedCost</td>
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<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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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<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_DepositsFromBanksByCountryAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DepositsFromBanksByCountryAxis=country_ES</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromBanksByCountryAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DepositsFromBanksByCountryAxis=country_MX</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromBanksByCountryAxis=country_TR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DepositsFromBanksByCountryAxis=country_TR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromBanksByCountryAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DepositsFromBanksByCountryAxis=srt_SouthAmericaMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromBanksByCountryAxis=srt_EuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DepositsFromBanksByCountryAxis=srt_EuropeMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromBanksByCountryAxis=bbva_RestOfTheWorldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DepositsFromBanksByCountryAxis=bbva_RestOfTheWorldMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DemandDepositsAmortizedCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DemandDepositsAmortizedCostMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_TimeDepositsAndOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_TimeDepositsAndOtherMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DepositsFromBanksRepurchaseAgreementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DepositsFromBanksBreakdownByGeographyAxis=bbva_DepositsFromBanksRepurchaseAgreementsMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>219
<FILENAME>R200.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570279200">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 22 Customer Deposits (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 447,646<span></span>
</td>
<td class="nump">&#8364; 413,487<span></span>
</td>
<td class="nump">&#8364; 394,404<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_bbva_CustomerDepositsByCountryAxis=country_ES', window );">SPAIN</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">215,464<span></span>
</td>
<td class="nump">197,780<span></span>
</td>
<td class="nump">202,742<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_CustomerDepositsByCountryAxis=country_MX', window );">MEXICO</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">85,439<span></span>
</td>
<td class="nump">92,828<span></span>
</td>
<td class="nump">78,217<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_CustomerDepositsByCountryAxis=country_TR', window );">TURKEY</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">49,267<span></span>
</td>
<td class="nump">43,239<span></span>
</td>
<td class="nump">40,118<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_CustomerDepositsByCountryAxis=srt_SouthAmericaMember', window );">South America [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">52,675<span></span>
</td>
<td class="nump">44,237<span></span>
</td>
<td class="nump">41,587<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_CustomerDepositsByCountryAxis=srt_EuropeMember', window );">Europe [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">35,878<span></span>
</td>
<td class="nump">30,350<span></span>
</td>
<td class="nump">26,774<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_CustomerDepositsByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,922<span></span>
</td>
<td class="nump">5,052<span></span>
</td>
<td class="nump">4,965<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">331,780<span></span>
</td>
<td class="nump">317,543<span></span>
</td>
<td class="nump">316,082<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | SPAIN</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">186,489<span></span>
</td>
<td class="nump">179,825<span></span>
</td>
<td class="nump">188,803<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | MEXICO</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">70,133<span></span>
</td>
<td class="nump">76,122<span></span>
</td>
<td class="nump">64,671<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | TURKEY</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">23,228<span></span>
</td>
<td class="nump">20,423<span></span>
</td>
<td class="nump">22,117<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | South America [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">32,443<span></span>
</td>
<td class="nump">26,888<span></span>
</td>
<td class="nump">27,083<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | Europe [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">17,170<span></span>
</td>
<td class="nump">12,863<span></span>
</td>
<td class="nump">11,670<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_DemandDepositsAmortizedCostMember', window );">Demand Deposits [Member] | Rest of the world [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,318<span></span>
</td>
<td class="nump">1,422<span></span>
</td>
<td class="nump">1,737<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">106,658<span></span>
</td>
<td class="nump">91,740<span></span>
</td>
<td class="nump">76,063<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | SPAIN</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">22,501<span></span>
</td>
<td class="nump">17,952<span></span>
</td>
<td class="nump">13,937<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | MEXICO</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">14,319<span></span>
</td>
<td class="nump">15,067<span></span>
</td>
<td class="nump">12,916<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | TURKEY</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">25,388<span></span>
</td>
<td class="nump">21,485<span></span>
</td>
<td class="nump">17,254<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | South America [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">20,232<span></span>
</td>
<td class="nump">17,349<span></span>
</td>
<td class="nump">14,505<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | Europe [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">17,613<span></span>
</td>
<td class="nump">16,257<span></span>
</td>
<td class="nump">14,224<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_TimeDepositsAndOtherMember', window );">Time deposits and other [Member] | Rest of the world [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">6,605<span></span>
</td>
<td class="nump">3,630<span></span>
</td>
<td class="nump">3,228<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_CustomerDepositsRepurchaseAgreementsMember', window );">Customer deposits repurchase agreements</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,208<span></span>
</td>
<td class="nump">4,204<span></span>
</td>
<td class="nump">2,259<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_CustomerDepositsRepurchaseAgreementsMember', window );">Customer deposits repurchase agreements | SPAIN</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,474<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_CustomerDepositsRepurchaseAgreementsMember', window );">Customer deposits repurchase agreements | MEXICO</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">987<span></span>
</td>
<td class="nump">1,638<span></span>
</td>
<td class="nump">630<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_CustomerDepositsRepurchaseAgreementsMember', window );">Customer deposits repurchase agreements | TURKEY</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">652<span></span>
</td>
<td class="nump">1,331<span></span>
</td>
<td class="nump">747<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_CustomerDepositsRepurchaseAgreementsMember', window );">Customer deposits repurchase agreements | South America [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</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>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_CustomerDepositsRepurchaseAgreementsMember', window );">Customer deposits repurchase agreements | Europe [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,095<span></span>
</td>
<td class="nump">1,231<span></span>
</td>
<td class="nump">880<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_CustomerDepositsRepurchaseAgreementsMember', window );">Customer deposits repurchase agreements | Rest of the world [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems', window );"><strong>Deposits From Customers By Geographical Area And Instrument [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>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</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; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Subordinated deposits are included amounting to &#8364;8 million as of December 31, 2024. As of December 31, 2023 and 2022, no subordinated deposits were recorded under this heading.</span></div></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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Customers By Geographical Area And 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;">bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</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>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromCustomersAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromCustomersAtAmortisedCost</td>
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<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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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CustomerDepositsByCountryAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CustomerDepositsByCountryAxis=country_ES</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CustomerDepositsByCountryAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CustomerDepositsByCountryAxis=country_MX</td>
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<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>
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<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CustomerDepositsByCountryAxis=country_TR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CustomerDepositsByCountryAxis=country_TR</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CustomerDepositsByCountryAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CustomerDepositsByCountryAxis=srt_SouthAmericaMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CustomerDepositsByCountryAxis=srt_EuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_CustomerDepositsByCountryAxis=srt_EuropeMember</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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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CustomerDepositsByCountryAxis=bbva_RestOfTheWorldMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<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>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_DemandDepositsAmortizedCostMember</td>
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<td style="white-space:nowrap;">bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis=bbva_TimeDepositsAndOtherMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>220
<FILENAME>R201.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360565561088">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 22 Deposits from debt certificates (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 69,867<span></span>
</td>
<td class="nump">&#8364; 68,707<span></span>
</td>
<td class="nump">&#8364; 55,429<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">37,118<span></span>
</td>
<td class="nump">44,622<span></span>
</td>
<td class="nump">35,611<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Promissory bills and notes [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,360<span></span>
</td>
<td class="nump">5,416<span></span>
</td>
<td class="nump">1,079<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Non convertible bonds and debentures [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">17,788<span></span>
</td>
<td class="nump">16,256<span></span>
</td>
<td class="nump">16,979<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Covered bons [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,825<span></span>
</td>
<td class="nump">6,734<span></span>
</td>
<td class="nump">7,665<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Hybrid financial instruments [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">519<span></span>
</td>
<td class="nump">800<span></span>
</td>
<td class="nump">959<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Securilization bonds [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,201<span></span>
</td>
<td class="nump">2,168<span></span>
</td>
<td class="nump">2,501<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Wholesale funding [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,030<span></span>
</td>
<td class="nump">6,182<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Subordinated liabilities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,395<span></span>
</td>
<td class="nump">7,066<span></span>
</td>
<td class="nump">6,289<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Convertible perpetual certificates [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,750<span></span>
</td>
<td class="nump">3,000<span></span>
</td>
<td class="nump">3,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInEurosMember', window );">Issued in euros [Member] | Other non convertible subordinated liabilities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,645<span></span>
</td>
<td class="nump">4,066<span></span>
</td>
<td class="nump">3,289<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">32,748<span></span>
</td>
<td class="nump">24,086<span></span>
</td>
<td class="nump">19,819<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member] | Promissory bills and notes [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,962<span></span>
</td>
<td class="nump">336<span></span>
</td>
<td class="nump">351<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member] | Non convertible bonds and debentures [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12,136<span></span>
</td>
<td class="nump">8,684<span></span>
</td>
<td class="nump">9,323<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member] | Covered bons [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">95<span></span>
</td>
<td class="nump">99<span></span>
</td>
<td class="nump">114<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member] | Hybrid financial instruments [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">5,327<span></span>
</td>
<td class="nump">4,722<span></span>
</td>
<td class="nump">3,724<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member] | Securilization bonds [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</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>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member] | Wholesale funding [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,067<span></span>
</td>
<td class="nump">1,479<span></span>
</td>
<td class="nump">111<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member] | Subordinated liabilities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,161<span></span>
</td>
<td class="nump">8,766<span></span>
</td>
<td class="nump">6,196<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member] | Convertible perpetual certificates [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,888<span></span>
</td>
<td class="nump">2,715<span></span>
</td>
<td class="nump">1,876<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember', window );">issued in foreign currency [Member] | Other non convertible subordinated liabilities [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_DebtCertificatesIssuedLineItems', window );"><strong>Debt certificates issued [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>
<td class="fn" style="border-bottom: 0px;"></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_DebtInstrumentsIssuedAtAmortisedCost', window );">Debt instruments issued at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 8,273<span></span>
</td>
<td class="nump">&#8364; 6,051<span></span>
</td>
<td class="nump">&#8364; 4,320<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Corresponds to structured note issuances with embedded derivatives that have been segregated according to IFRS 9.</span></div></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_DebtCertificatesIssuedLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 issued</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_DebtCertificatesIssuedLineItems</td>
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<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_ifrs-full_DebtInstrumentsIssuedAtAmortisedCost">
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<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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DebtInstrumentsIssuedAtAmortisedCost</td>
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<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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<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_srt_CurrencyAxis=bbva_IssuedInEurosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_CurrencyAxis=bbva_IssuedInEurosMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAxis=bbva_PromissoryBillsAndNotesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtCertificatesAxis=bbva_PromissoryBillsAndNotesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAxis=bbva_NonConvertibleBondsAndDebenturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtCertificatesAxis=bbva_NonConvertibleBondsAndDebenturesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAxis=bbva_CoveredBonsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtCertificatesAxis=bbva_CoveredBonsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAxis=bbva_HybridFinancialInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtCertificatesAxis=bbva_HybridFinancialInstrumentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAxis=bbva_SecurilizationBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtCertificatesAxis=bbva_SecurilizationBondsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAxis=bbva_WholesaleFundingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtCertificatesAxis=bbva_WholesaleFundingMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAxis=bbva_SubordinatedLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtCertificatesAxis=bbva_SubordinatedLiabilitiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAxis=bbva_ConvertiblePerpetualCertificatesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtCertificatesAxis=bbva_ConvertiblePerpetualCertificatesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtCertificatesAxis=bbva_OtherNonConvertibleSubordinatedLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DebtCertificatesAxis=bbva_OtherNonConvertibleSubordinatedLiabilitiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_CurrencyAxis=bbva_IssuedInForeignCurrencyMember</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>
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</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>221
<FILENAME>R202.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561985280">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 22 Memorandum item subordinated liabilities at amortized cost (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</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_SubordinatedLiabilitiesAtAmortizedCostLineItems', window );"><strong>Subordinated liabilities at amortized cost [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>
<td class="text">&#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_SubordinatedDeposits', window );">Subordinated deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 56<span></span>
</td>
<td class="nump">&#8364; 35<span></span>
</td>
<td class="nump">&#8364; 24<span></span>
</td>
<td class="text">&#160;<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_SubordinatedCertificates', window );">Subordinated certificates</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">19,556<span></span>
</td>
<td class="nump">15,832<span></span>
</td>
<td class="nump">12,485<span></span>
</td>
<td class="nump">&#8364; 14,794<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_CompoundConvertibleFinancialInstruments', window );">Compound convertible financial instruments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,638<span></span>
</td>
<td class="nump">5,715<span></span>
</td>
<td class="nump">4,876<span></span>
</td>
<td class="text">&#160;<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_OtherNonConvertibleSubordinatedLiabilities', window );">Other non convertible subordinated liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,918<span></span>
</td>
<td class="nump">10,117<span></span>
</td>
<td class="nump">7,609<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_SubordinatedLiabilitiesAtAmortisedCost', window );">Memorandum item subordinated liabilities at amortised cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 19,612<span></span>
</td>
<td class="nump">&#8364; 15,867<span></span>
</td>
<td class="nump">&#8364; 12,509<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><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:120%">(1) There were &#8364;56, &#8364;35 and &#8364;24 million of subordinated deposits as of December 31, 2024, 2023 and 2022, respectively (see Note 22.4). In addition, there were coupon payments on subordinated liabilities for &#8364;388, &#8364;345 and &#8364;313 million in 2024, 2023 and 2022, respectively. Appendix VI details the outstanding subordinated debt issued by their nominal value.</span></div></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_CompoundConvertibleFinancialInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Compound convertible financial 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_CompoundConvertibleFinancialInstruments</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_OtherNonConvertibleSubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 convertible subordinated 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_OtherNonConvertibleSubordinatedLiabilities</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_SubordinatedCertificates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated certificates</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_SubordinatedCertificates</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_SubordinatedDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated deposits</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_SubordinatedDeposits</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_SubordinatedLiabilitiesAtAmortizedCostLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated liabilities 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_SubordinatedLiabilitiesAtAmortizedCostLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<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_ifrs-full_SubordinatedLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 are subordinate to other liabilities with respect to claims at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_SubordinatedLiabilitiesAtAmortisedCost</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>instant</td>
</tr>
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</div></td></tr>
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<DOCUMENT>
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<FILENAME>R203.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360524175008">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 22 Other Financial Liabilities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_OtherFinancialLiabilitiesLineItems', window );"><strong>Other financial liabilities [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">&#8364; 17,753<span></span>
</td>
<td class="nump">&#8364; 15,046<span></span>
</td>
<td class="nump">&#8364; 14,081<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2],[3]</sup></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_bbva_OtherFinancialLiabilitiesAxis=ifrs-full_LeaseLiabilitiesMember', window );">Lease liabilities [member]</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="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilitiesLineItems', window );"><strong>Other financial liabilities [Line Items]</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="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">1,467<span></span>
</td>
<td class="nump">1,507<span></span>
</td>
<td class="nump">1,398<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_OtherFinancialLiabilitiesAxis=bbva_CreditorsForOtherFinancialLiabilitiesMember', window );">Creditors for other financial liabilities [Member]</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="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilitiesLineItems', window );"><strong>Other financial liabilities [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">4,859<span></span>
</td>
<td class="nump">3,439<span></span>
</td>
<td class="nump">3,584<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_OtherFinancialLiabilitiesAxis=bbva_CollectionAccountsMember', window );">Collection accounts [Member]</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="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilitiesLineItems', window );"><strong>Other financial liabilities [Line Items]</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="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">3,693<span></span>
</td>
<td class="nump">3,642<span></span>
</td>
<td class="nump">3,426<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_OtherFinancialLiabilitiesAxis=bbva_CreditorsForOtherPaymentObligationsMember', window );">Creditors for other payment obligations [Member]</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="fn" style="border-bottom: 0px;"></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_OtherFinancialLiabilitiesLineItems', window );"><strong>Other financial liabilities [Line Items]</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="fn" style="border-bottom: 0px;"></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="nump">&#8364; 7,734<span></span>
</td>
<td class="nump">&#8364; 6,458<span></span>
</td>
<td class="nump">&#8364; 5,673<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><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:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_OtherFinancialLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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</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_OtherFinancialLiabilitiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</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_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 2024-01-01<br> -Paragraph 54<br> -Subparagraph m<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<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>
</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_OtherFinancialLiabilitiesAxis=ifrs-full_LeaseLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherFinancialLiabilitiesAxis=ifrs-full_LeaseLiabilitiesMember</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>
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<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherFinancialLiabilitiesAxis=bbva_CreditorsForOtherFinancialLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherFinancialLiabilitiesAxis=bbva_CreditorsForOtherFinancialLiabilitiesMember</td>
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<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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherFinancialLiabilitiesAxis=bbva_CollectionAccountsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherFinancialLiabilitiesAxis=bbva_CollectionAccountsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherFinancialLiabilitiesAxis=bbva_CreditorsForOtherPaymentObligationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_OtherFinancialLiabilitiesAxis=bbva_CreditorsForOtherPaymentObligationsMember</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>
</div>
</body>
</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>223
<FILENAME>R204.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571058464">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 22 Maturity of future payment obligations (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</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_MaturityOfFuturePaymentObligationsLineItems', window );"><strong>Maturity of future payment obligations [Line Items]</strong></a></td>
<td class="text">&#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_MaturityOfFuturePaymentObligationsByLeases', window );">Maturity of future payment obligations by leases</a></td>
<td class="nump">&#8364; 1,467<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_bbva_MaturityOfFuturePaymentObligationsAxis=ifrs-full_NotLaterThanOneYearMember', window );">Not later than one year [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_bbva_MaturityOfFuturePaymentObligationsLineItems', window );"><strong>Maturity of future payment obligations [Line Items]</strong></a></td>
<td class="text">&#160;<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_MaturityOfFuturePaymentObligationsByLeases', window );">Maturity of future payment obligations by leases</a></td>
<td class="nump">175<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_bbva_MaturityOfFuturePaymentObligationsAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">Later than one year and not later than three years [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_bbva_MaturityOfFuturePaymentObligationsLineItems', window );"><strong>Maturity of future payment obligations [Line Items]</strong></a></td>
<td class="text">&#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_MaturityOfFuturePaymentObligationsByLeases', window );">Maturity of future payment obligations by leases</a></td>
<td class="nump">285<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_bbva_MaturityOfFuturePaymentObligationsAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [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_bbva_MaturityOfFuturePaymentObligationsLineItems', window );"><strong>Maturity of future payment obligations [Line Items]</strong></a></td>
<td class="text">&#160;<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_MaturityOfFuturePaymentObligationsByLeases', window );">Maturity of future payment obligations by leases</a></td>
<td class="nump">239<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_bbva_MaturityOfFuturePaymentObligationsAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [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_bbva_MaturityOfFuturePaymentObligationsLineItems', window );"><strong>Maturity of future payment obligations [Line Items]</strong></a></td>
<td class="text">&#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_MaturityOfFuturePaymentObligationsByLeases', window );">Maturity of future payment obligations by leases</a></td>
<td class="nump">&#8364; 768<span></span>
</td>
</tr>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360573497824">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 23 Liabilities Under Insurance Contracts And Reinsurance Contracts Issued (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2021</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_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">&#8364; 10,981<span></span>
</td>
<td class="nump">&#8364; 12,110<span></span>
</td>
<td class="nump">&#8364; 10,131<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">&#8364; 9,972<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=bbva_InsurancesMember', window );">Insurances [Member]</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="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">10,981<span></span>
</td>
<td class="nump">12,110<span></span>
</td>
<td class="nump">10,131<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=bbva_LiabilitiesForRemainingCoverageMember', window );">Liabilities for remaining coverage [Member]</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="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">9,835<span></span>
</td>
<td class="nump">10,900<span></span>
</td>
<td class="nump">9,157<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=bbva_LiabilitiesForRemainingCoverageMember', window );">Liabilities for remaining coverage [Member] | Estimates of present value of future cash flows [member]</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="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">8,462<span></span>
</td>
<td class="nump">9,516<span></span>
</td>
<td class="nump">7,905<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=bbva_LiabilitiesForRemainingCoverageMember', window );">Liabilities for remaining coverage [Member] | Risk adjustments [Member]</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="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">150<span></span>
</td>
<td class="nump">171<span></span>
</td>
<td class="nump">155<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=bbva_LiabilitiesForRemainingCoverageMember', window );">Liabilities for remaining coverage [Member] | Cost service margin [Member]</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="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">1,224<span></span>
</td>
<td class="nump">1,213<span></span>
</td>
<td class="nump">1,097<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember', window );">Liabilities for incurred claims [member]</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="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">1,146<span></span>
</td>
<td class="nump">1,210<span></span>
</td>
<td class="nump">974<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember', window );">Liabilities for incurred claims [member] | Estimates of present value of future cash flows [member]</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="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">1,129<span></span>
</td>
<td class="nump">1,191<span></span>
</td>
<td class="nump">959<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember', window );">Liabilities for incurred claims [member] | Risk adjustments [Member]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
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<tr class="re">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
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<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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=bbva_ReinsurancesMember', window );">Reinsurances [Member]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
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<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_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
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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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</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>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
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<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
</table></td></tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Liabilities under insurance and reinsurance contracts</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_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember</td>
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561272672">
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<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 23 Liabilities under insurance and reinsurance contracts by type of product (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></th>
<th class="th"><div>Dec. 31, 2021</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_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts by type of product [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>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 10,981<span></span>
</td>
<td class="nump">&#8364; 12,110<span></span>
</td>
<td class="nump">&#8364; 10,131<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 9,972<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=bbva_LiabilitiesForRemainingCoverageMember', window );">Liabilities for remaining coverage [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts by type of product [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>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,835<span></span>
</td>
<td class="nump">10,900<span></span>
</td>
<td class="nump">9,157<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=sic_Z6311', window );">6311 Life Insurance [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts by type of product [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>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,555<span></span>
</td>
<td class="nump">10,657<span></span>
</td>
<td class="nump">8,962<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=sic_Z6311', window );">6311 Life Insurance [Member] | Individual life insurance [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts by type of product [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>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">7,643<span></span>
</td>
<td class="nump">8,900<span></span>
</td>
<td class="nump">7,592<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=sic_Z6311', window );">6311 Life Insurance [Member] | Group insurance [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts by type of product [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>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">1,912<span></span>
</td>
<td class="nump">1,757<span></span>
</td>
<td class="nump">1,370<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=bbva_NonLifeInsuranceMember', window );">Non-life insurance [Member]</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>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts by type of product [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>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">280<span></span>
</td>
<td class="nump">243<span></span>
</td>
<td class="nump">195<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember', window );">Liabilities for incurred claims [member]</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>
<td class="fn" style="border-bottom: 0px;"></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_bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems', window );"><strong>Liabilities under insurance and reinsurance contracts by type of product [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>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 1,146<span></span>
</td>
<td class="nump">&#8364; 1,210<span></span>
</td>
<td class="nump">&#8364; 974<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Provides coverage in the event of death, disability and serious illness.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) The insurance policies purchased by employers (other than BBVA Group) on behalf of their employees.</span></div></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_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Liabilities under insurance and reinsurance contracts by type of product</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_LiabilitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductLineItems</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_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> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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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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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=bbva_LiabilitiesForRemainingCoverageMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=bbva_LiabilitiesForRemainingCoverageMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<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;">bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=sic_Z6311</td>
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<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>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>
<td></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_bbva_BreakdownByTypeOfLifeInsuranceAxis=bbva_IndividualLifeInsuranceMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownByTypeOfLifeInsuranceAxis=bbva_IndividualLifeInsuranceMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></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_bbva_BreakdownByTypeOfLifeInsuranceAxis=bbva_GroupInsuranceMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_BreakdownByTypeOfLifeInsuranceAxis=bbva_GroupInsuranceMember</td>
</tr>
<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>
<td></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_bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=bbva_NonLifeInsuranceMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=bbva_NonLifeInsuranceMember</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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;">bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsByTypeOfProductsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember</td>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 23 Variation in liabilities under Insurance and Reinsurance Contracts analyzed by liabilities for the remaining coverage and liabilities for incurred claims (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">&#8364; 12,110<span></span>
</td>
<td class="nump">&#8364; 10,131<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">&#8364; 9,972<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims', window );">Insurance service result</a></td>
<td class="num">(1,509)<span></span>
</td>
<td class="num">(1,289)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,186)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceRevenue', window );">Insurance revenue</a></td>
<td class="num">(3,494)<span></span>
</td>
<td class="num">(2,897)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,575)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceExpense', window );">Insurance expense</a></td>
<td class="nump">1,985<span></span>
</td>
<td class="nump">1,607<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,390<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialIncomeExpenseFromInsuranceContracts', window );">Financial income (expense) from insurance contracts</a></td>
<td class="num">(395)<span></span>
</td>
<td class="nump">564<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(692)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ExchangeRateDifferencesFromInsuranceContracts', window );">Exchange rate differences from insurance contracts</a></td>
<td class="num">(767)<span></span>
</td>
<td class="nump">1,067<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,099<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashFlowsFromInsuranceAndReinsuranceContracts', window );">Cash flows from insurance and reinsurance contracts</a></td>
<td class="nump">1,542<span></span>
</td>
<td class="nump">1,637<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">938<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">10,981<span></span>
</td>
<td class="nump">12,110<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,131<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></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_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=bbva_LiabilitiesForRemainingCoverageMember', window );">Liabilities for remaining coverage [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Variations in liabilities under insurance and reinsurance contracts [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">10,900<span></span>
</td>
<td class="nump">9,157<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,875<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims', window );">Insurance service result</a></td>
<td class="num">(3,371)<span></span>
</td>
<td class="num">(2,822)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,446)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceRevenue', window );">Insurance revenue</a></td>
<td class="num">(3,494)<span></span>
</td>
<td class="num">(2,897)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,575)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceExpense', window );">Insurance expense</a></td>
<td class="nump">124<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">130<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialIncomeExpenseFromInsuranceContracts', window );">Financial income (expense) from insurance contracts</a></td>
<td class="num">(407)<span></span>
</td>
<td class="nump">563<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(694)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ExchangeRateDifferencesFromInsuranceContracts', window );">Exchange rate differences from insurance contracts</a></td>
<td class="num">(657)<span></span>
</td>
<td class="nump">1,008<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,048<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashFlowsFromInsuranceAndReinsuranceContracts', window );">Cash flows from insurance and reinsurance contracts</a></td>
<td class="nump">3,370<span></span>
</td>
<td class="nump">2,994<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,375<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">9,835<span></span>
</td>
<td class="nump">10,900<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9,157<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember', window );">Liabilities for incurred claims [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Variations in liabilities under insurance and reinsurance contracts [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">1,210<span></span>
</td>
<td class="nump">974<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,097<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims', window );">Insurance service result</a></td>
<td class="nump">1,862<span></span>
</td>
<td class="nump">1,532<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,260<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceRevenue', window );">Insurance revenue</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceExpense', window );">Insurance expense</a></td>
<td class="nump">1,862<span></span>
</td>
<td class="nump">1,532<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,260<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialIncomeExpenseFromInsuranceContracts', window );">Financial income (expense) from insurance contracts</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ExchangeRateDifferencesFromInsuranceContracts', window );">Exchange rate differences from insurance contracts</a></td>
<td class="num">(110)<span></span>
</td>
<td class="nump">59<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">51<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashFlowsFromInsuranceAndReinsuranceContracts', window );">Cash flows from insurance and reinsurance contracts</a></td>
<td class="num">(1,828)<span></span>
</td>
<td class="num">(1,357)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,437)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">&#8364; 1,146<span></span>
</td>
<td class="nump">&#8364; 1,210<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 974<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_CashFlowsFromInsuranceAndReinsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 flows from insurance and reinsurance contracts</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_CashFlowsFromInsuranceAndReinsuranceContracts</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_ExchangeRateDifferencesFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exchange rate differences from insurance contracts</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_ExchangeRateDifferencesFromInsuranceContracts</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_FinancialIncomeExpenseFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 income (expense) from insurance contracts</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_FinancialIncomeExpenseFromInsuranceContracts</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_ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Result from insurance service by liabilities for the remaining coverage and liabilities for incurred claims</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_ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims</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_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variations in liabilities under insurance and reinsurance contracts</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_VariationsInLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems</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_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> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InsuranceExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 purchased insurance.</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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InsuranceExpense</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_InsuranceRevenue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 arising from the groups of insurance contracts issued. Insurance revenue shall depict the provision of services arising from the group of insurance contracts at an amount that reflects the consideration to which the entity expects to be entitled in exchange for those services. [Refer: Insurance contracts issued [member]; 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 IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 80<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_80_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 106<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_106&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 82<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_82_a_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InsuranceRevenue</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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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<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;">bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=bbva_LiabilitiesForRemainingCoverageMember</td>
</tr>
<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>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></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;">bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526581168">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 23 Variation in liabilities under Insurance and Reinsurance contracts by valuation components (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="6">12 Months Ended</th>
</tr>
<tr>
<th class="th" colspan="2"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems', window );"><strong>Variation in liabilities under insurance and reinsurance contracts [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent', window );">Liabilities under insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">&#8364; 11,118<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 9,303<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 9,006<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceServiceResult', window );">Insurance service result</a></td>
<td class="num">(318)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(406)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(511)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to current service, insurance contracts liability (asset)</a></td>
<td class="num">(1,267)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(960)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(908)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to future service, insurance contracts liability (asset)</a></td>
<td class="num">(24)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(17)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to past service, insurance contracts liability (asset)</a></td>
<td class="nump">974<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">554<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">413<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent', window );">Financial income (expense) from insurance contracts</a></td>
<td class="num">(406)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">564<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(694)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent', window );">Exchange rate differences from insurance and reinsurance contracts by valuation component</a></td>
<td class="num">(721)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,035<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,093<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent', window );">Cash flows from insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">411<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">623<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">412<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent', window );">Liabilities under insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">10,084<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11,118<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9,303<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ValuationComponentsAxis=ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember', window );">Estimates of present value of future cash flows [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems', window );"><strong>Variation in liabilities under insurance and reinsurance contracts [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent', window );">Liabilities under insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">9,738<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,056<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">7,945<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceServiceResult', window );">Insurance service result</a></td>
<td class="num">(345)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(384)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(606)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to current service, insurance contracts liability (asset)</a></td>
<td class="num">(969)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(749)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(750)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to future service, insurance contracts liability (asset)</a></td>
<td class="num">(350)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(189)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(270)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to past service, insurance contracts liability (asset)</a></td>
<td class="nump">974<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">554<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">413<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent', window );">Financial income (expense) from insurance contracts</a></td>
<td class="num">(457)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">508<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(704)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent', window );">Exchange rate differences from insurance and reinsurance contracts by valuation component</a></td>
<td class="num">(636)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">935<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,009<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent', window );">Cash flows from insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">411<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">623<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">412<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent', window );">Liabilities under insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">8,710<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9,738<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,056<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ValuationComponentsAxis=bbva_RiskAdjustmentForInsuranceAndReinsuranceContractsMember', window );">Risk adjustment for insurance and reinsurance contracts [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems', window );"><strong>Variation in liabilities under insurance and reinsurance contracts [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent', window );">Liabilities under insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">167<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">112<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_InsuranceServiceResult', window );">Insurance service result</a></td>
<td class="num">(17)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">46<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to current service, insurance contracts liability (asset)</a></td>
<td class="num">(29)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(26)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(14)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to future service, insurance contracts liability (asset)</a></td>
<td class="nump">12<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">26<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">60<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to past service, insurance contracts liability (asset)</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent', window );">Financial income (expense) from insurance contracts</a></td>
<td class="nump">3<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(20)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent', window );">Exchange rate differences from insurance and reinsurance contracts by valuation component</a></td>
<td class="num">(3)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">11<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent', window );">Cash flows from insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent', window );">Liabilities under insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">167<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">150<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_bbva_ValuationComponentsAxis=ifrs-full_ContractualServiceMarginMember', window );">Contractual service margin [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems', window );"><strong>Variation in liabilities under insurance and reinsurance contracts [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent', window );">Liabilities under insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">1,213<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">1,097<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">948<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_InsuranceServiceResult', window );">Insurance service result</a></td>
<td class="nump">44<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(23)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">49<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to current service, insurance contracts liability (asset)</a></td>
<td class="num">(270)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(185)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(144)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to future service, insurance contracts liability (asset)</a></td>
<td class="nump">314<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">163<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">193<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset', window );">Increase (decrease) through changes that relate to past service, insurance contracts liability (asset)</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent', window );">Financial income (expense) from insurance contracts</a></td>
<td class="nump">49<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">45<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent', window );">Exchange rate differences from insurance and reinsurance contracts by valuation component</a></td>
<td class="num">(82)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">94<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">72<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent', window );">Cash flows from insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent', window );">Liabilities under insurance and reinsurance contracts by valuation component</a></td>
<td class="nump">&#8364; 1,224<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">&#8364; 1,213<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">&#8364; 1,097<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr><td colspan="7"></td></tr>
<tr><td colspan="7"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></div></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_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 flows from insurance and reinsurance contracts by valuation component</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_CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent</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_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exchange rate differences from insurance and reinsurance contracts by valuation component</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_ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent</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_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 income (expense) from insurance contracts by valuation component</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_FinancialIncomeExpenseFromInsuranceContractsByValuationComponent</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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Liabilities under insurance and reinsurance contracts by valuation component</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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent</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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variation in liabilities under insurance and reinsurance contracts by valuation component</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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems</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:stringItemType</td>
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<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 class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 insurance contracts liability (asset) resulting from changes that relate to current service. [Refer: Insurance contracts liability (asset)]</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 17<br> -IssueDate 2024-01-01<br> -Paragraph 104<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_104_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset</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>
</tr>
<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>The increase (decrease) in insurance contracts liability (asset) resulting from changes that relate to future service. [Refer: Insurance contracts liability (asset)]</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 17<br> -IssueDate 2024-01-01<br> -Paragraph 103<br> -Subparagraph b<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103_b_iv&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 104<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_104_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset</td>
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<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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<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>The increase (decrease) in insurance contracts liability (asset) resulting from changes that relate to past service, ie changes in fulfilment cash flows relating to incurred claims. [Refer: Insurance contracts liability (asset)]</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 17<br> -IssueDate 2024-01-01<br> -Paragraph 103<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103_b_iii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 104<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_104_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset</td>
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<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>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InsuranceServiceResult">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 comprising insurance revenue and insurance service expenses. [Refer: Insurance revenue; Insurance service expenses from insurance contracts issued; Income (expenses) from reinsurance contracts held, other than finance income (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 IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 80<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_80_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InsuranceServiceResult</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ValuationComponentsAxis=bbva_RiskAdjustmentForInsuranceAndReinsuranceContractsMember</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571086736">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 23 Maturity of liabilities under insurance and reinsurance contracts (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</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_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Cash flows of liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">&#8364; 10,981<span></span>
</td>
<td class="nump">&#8364; 12,110<span></span>
</td>
<td class="nump">&#8364; 10,131<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">&#8364; 9,972<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_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_NotLaterThanOneYearMember', window );">Not later than one year [member]</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="fn" style="border-bottom: 0px;"></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_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Cash flows of liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">1,556<span></span>
</td>
<td class="nump">1,356<span></span>
</td>
<td class="nump">1,754<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">Later than one year and not later than three years [member]</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="fn" style="border-bottom: 0px;"></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_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Cash flows of liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">319<span></span>
</td>
<td class="nump">962<span></span>
</td>
<td class="nump">663<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Later than three years and not later than five years [member]</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="fn" style="border-bottom: 0px;"></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_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Cash flows of liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">720<span></span>
</td>
<td class="nump">2,425<span></span>
</td>
<td class="nump">1,664<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than five years [member]</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="fn" style="border-bottom: 0px;"></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_bbva_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems', window );"><strong>Cash flows of liabilities under insurance and reinsurance contracts [Line Items]</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="fn" style="border-bottom: 0px;"></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_InsuranceContractsIssuedThatAreLiabilities', window );">Insurance contracts issued that are liabilities</a></td>
<td class="nump">&#8364; 8,387<span></span>
</td>
<td class="nump">&#8364; 7,367<span></span>
</td>
<td class="nump">&#8364; 6,050<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 flows of liabilities under insurance and reinsurance contracts</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_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsLineItems</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_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> -Name IFRS<br> -Number 17<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td><strong> Data Type:</strong></td>
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</tr>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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;">bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_NotLaterThanOneYearMember</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>
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<td><strong> Balance Type:</strong></td>
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<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;">bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember</td>
</tr>
<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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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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;">bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</td>
</tr>
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<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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<td><strong> Period Type:</strong></td>
<td></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;">bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis=ifrs-full_LaterThanFiveYearsMember</td>
</tr>
<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>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360532869184">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 24 Provisions Breakdown By Concepts (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_ProvisionsBreakdownByConceptsLineItems', window );"><strong>Provisions breakdown by concepts [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_ProvisionsForEmployeeBenefits', window );">Provisions for employee benefits</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 2,348<span></span>
</td>
<td class="nump">&#8364; 2,571<span></span>
</td>
<td class="nump">&#8364; 2,632<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_OtherLongtermProvisions', window );">Other long term employee benefits</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">384<span></span>
</td>
<td class="nump">435<span></span>
</td>
<td class="nump">466<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_LegalProceedingsProvision', window );">Legal proceedings provision</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">791<span></span>
</td>
<td class="nump">696<span></span>
</td>
<td class="nump">685<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_ProvisionsForCommitmentsAndContingentRisks', window );">Provisions commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">667<span></span>
</td>
<td class="nump">770<span></span>
</td>
<td class="nump">770<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_OtherProvisions', window );">Other provisions</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">429<span></span>
</td>
<td class="nump">452<span></span>
</td>
<td class="nump">380<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_Provisions', window );">Provisions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 4,619<span></span>
</td>
<td class="nump">&#8364; 4,924<span></span>
</td>
<td class="nump">&#8364; 4,933<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) Recorded under the heading &#8220;Provisions - Provisions for pensions and similar obligations&#8221; of the consolidated balance sheet.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) It included commitments undertaken under the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A. in 2021.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Individually non-significant provisions, for various concepts and corresponding to different geographical areas.</span></div></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_ProvisionsBreakdownByConceptsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 breakdown by concepts</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_ProvisionsBreakdownByConceptsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
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<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_ProvisionsForCommitmentsAndContingentRisks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 For Commitments and Contingent Risks</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_ProvisionsForCommitmentsAndContingentRisks</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_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 2024-01-01<br> -Section Example 10 A court case<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2024-en-r&amp;doctype=Illustrative%20Examples&amp;dita_xref=IAS37_IE_C_ex10_TI<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2024-01-01<br> -Paragraph 87<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_87&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherLongtermProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 provisions other than provisions for employee benefits. [Refer: Non-current 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 2024-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherLongtermProvisions</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 2024-01-01<br> -Paragraph 84<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_84_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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_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 2024-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360614549296">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 24 Provisions for pensions and similar obligations changes over the year (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems', window );"><strong>Changes over the year for provisions for pensions and similar obligation [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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_ProvisonForPensionsAndOtherPostEmploymentObligations', window );">Provison for pensions and other post employment obligations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 3,006<span></span>
</td>
<td class="nump">&#8364; 3,098<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 4,208<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_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance', window );">Charges to income for the year provisions for pensions and similar obligations balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">197<span></span>
</td>
<td class="nump">211<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">25<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_InteresetExpenseAndSimilarChargesForPensions', window );">Intereset expense and similar charges for pensions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">138<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">75<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_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense, defined benefit plans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">57<span></span>
</td>
<td class="nump">49<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">42<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_ProvisionsExpensesForPensions', window );">Provisions expenses for pensions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(92)<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_GainLossOnRemeasurementOfReimbursementRights', window );">Increase (decrease) in reimbursement rights related to defined benefit obligation, resulting from gain (loss) on remeasurement</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">132<span></span>
</td>
<td class="nump">314<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(433)<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_TransfersAndOtherChangesForPensions', window );">Transfers and other changes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(49)<span></span>
</td>
<td class="num">(37)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">36<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_BenefitPaymentsForPensions', window );">Benefit payments for pensions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(410)<span></span>
</td>
<td class="num">(474)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(616)<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_EmployerContributions', window );">Employer contributions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(143)<span></span>
</td>
<td class="num">(106)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="num">(120)<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_ProvisonForPensionsAndOtherPostEmploymentObligations', window );">Provison for pensions and other post employment obligations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 2,732<span></span>
</td>
<td class="nump">&#8364; 3,006<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="nump">&#8364; 3,098<span></span>
</td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Correspond to actuarial losses (gains) arising from certain post-employment defined-benefit commitments for pensions recognized in &#8220;Equity&#8221; (see Note 2.2.13).</span></div></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_BenefitPaymentsForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Benefit payments for 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_BenefitPaymentsForPensions</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_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 over the year for provisions for pensions and similar obligation</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_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems</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_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Charges to income for the year provisions for pensions and similar obligations balance</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_ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance</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_InteresetExpenseAndSimilarChargesForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Intereset expense and similar charges for 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_InteresetExpenseAndSimilarChargesForPensions</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_ProvisionsExpensesForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 expenses for 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_ProvisionsExpensesForPensions</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_ProvisonForPensionsAndOtherPostEmploymentObligations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provison for pensions and other post employment obligations</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_ProvisonForPensionsAndOtherPostEmploymentObligations</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_TransfersAndOtherChangesForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers and other changes for 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_TransfersAndOtherChangesForPensions</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_EmployerContributions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 employer contributions to retirement benefit plans.</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 2024-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35_b_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EmployerContributions</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_GainLossOnRemeasurementOfReimbursementRights">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 reimbursement rights related to defined benefit obligation, resulting from the remeasurement of reimbursement rights. [Refer: Reimbursement rights related to defined benefit obligation, at fair 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/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainLossOnRemeasurementOfReimbursementRights</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_PostemploymentBenefitExpenseDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 post-employment benefit expense included in profit or loss relating to defined benefit plans. [Refer: Profit (loss); Defined benefit plans [domain]] [Contrast: Increase (decrease) in net defined benefit liability (asset) resulting from expense (income) in 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 19<br> -IssueDate 2024-01-01<br> -Paragraph 5<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2024-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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_PostemploymentBenefitExpenseDefinedBenefitPlans</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>231
<FILENAME>R212.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572416464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 24 Provisions for taxes, legal contingencies and other provisions changes over the year (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems', window );"><strong>Changes over the year of provisions for taxes, legal contingencies and other provisions [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ProvisionsForTaxesLegalContingentsAndOtherProvisions', window );">Provisions for taxes legal contingents and other provisions</a></td>
<td class="nump">&#8364; 1,148<span></span>
</td>
<td class="nump">&#8364; 1,065<span></span>
</td>
<td class="nump">&#8364; 990<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_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions', window );">Additions of provisions for taxes legal contingents and other provisions</a></td>
<td class="nump">370<span></span>
</td>
<td class="nump">651<span></span>
</td>
<td class="nump">417<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_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions', window );">Acquisition of subsidiaries of provisions for taxes legal contingents and other provisions</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_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions', window );">Unused amounts reversed during the year of provisions for taxes legal contingents and other provisions</a></td>
<td class="num">(92)<span></span>
</td>
<td class="num">(385)<span></span>
</td>
<td class="num">(130)<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_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions', window );">Amount used and other variations of provisions for taxes legal contingents and other provisions</a></td>
<td class="num">(206)<span></span>
</td>
<td class="num">(183)<span></span>
</td>
<td class="num">(211)<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_ProvisionsForTaxesLegalContingentsAndOtherProvisions', window );">Provisions for taxes legal contingents and other provisions</a></td>
<td class="nump">&#8364; 1,220<span></span>
</td>
<td class="nump">&#8364; 1,148<span></span>
</td>
<td class="nump">&#8364; 1,065<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Acquisition of subsidiaries of provisions for taxes legal contingents and other 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_AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions</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_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Additions of provisions for taxes legal contingents and other 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_AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions</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_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount used and other variations of provisions for taxes legal contingents and other 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_AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions</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_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 over the year of provisions for taxes, legal contingencies and other 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_ChangesOverTheYearOfProvisionsForTaxesLegalContingenciesAndOtherProvisionsLineItems</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_ProvisionsForTaxesLegalContingentsAndOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 for taxes legal contingents and other 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_ProvisionsForTaxesLegalContingentsAndOtherProvisions</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_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unused amounts reversed during the year of provisions for taxes legal contingents and other 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_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>232
<FILENAME>R213.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360514693280">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 25 Net defined benefit liability asset on the consolidated balance sheet (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems', window );"><strong>Defined benefit liabilities or assets on the consolidated balance sheet [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PensionCommitments', window );">Pension commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 3,759<span></span>
</td>
<td class="nump">&#8364; 3,849<span></span>
</td>
<td class="nump">&#8364; 3,661<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_EarlyRetirementCommitments', window );">Early retirement commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">271<span></span>
</td>
<td class="nump">412<span></span>
</td>
<td class="nump">606<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_MedicalBenefitsCommitments', window );">Medical benefits commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,269<span></span>
</td>
<td class="nump">1,728<span></span>
</td>
<td class="nump">1,448<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_OtherLongtermProvisions', window );">Other long term employee benefits</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">384<span></span>
</td>
<td class="nump">435<span></span>
</td>
<td class="nump">466<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_PensionPlanAssets', window );">Pension plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,584<span></span>
</td>
<td class="nump">1,675<span></span>
</td>
<td class="nump">1,608<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_MedicalBenefitPlanAssets', window );">Medical benefit plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,367<span></span>
</td>
<td class="nump">1,744<span></span>
</td>
<td class="nump">1,476<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_PlanAssetsAtFairValue', window );">Plan assets, at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">2,951<span></span>
</td>
<td class="nump">3,419<span></span>
</td>
<td class="nump">3,084<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_TotalNetDefinedBenefitLiabilityAssets', window );">Total net defined benefit liability assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,732<span></span>
</td>
<td class="nump">3,006<span></span>
</td>
<td class="nump">3,097<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_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet', window );">Of which net defined net assets on the consolidated balance sheet</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<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>[4]</sup></td>
<td class="nump">2,348<span></span>
</td>
<td class="nump">2,571<span></span>
</td>
<td class="nump">2,632<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">&#8364; 384<span></span>
</td>
<td class="nump">&#8364; 435<span></span>
</td>
<td class="nump">&#8364; 466<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) It included commitments undertaken under the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A. in 2021.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In Turkey, the foundation responsible for managing the benefit commitments holds an additional asset of &#8364;123 million as of December 31, 2024 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. As of December 31, 2023 and 2022, this amount amounted to &#8364;153 and &#8364;188 million respectively.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Recorded under the heading &#8220;Other Assets - Other&#8221; of the consolidated balance sheet (see Note 20).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) Recorded under the heading &#8220;Provisions - Provisions for pensions and similar obligations&#8221; of the consolidated balance sheet.</span></div></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_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined benefit liabilities or assets on the consolidated balance sheet</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_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems</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_EarlyRetirementCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Early retirement commitments</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_EarlyRetirementCommitments</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_MedicalBenefitPlanAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Medical benefit plan 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_MedicalBenefitPlanAssets</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_MedicalBenefitsCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Medical benefits commitments</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_MedicalBenefitsCommitments</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_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Of which net defined net assets on the consolidated balance sheet</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_OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet</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_PensionCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Pension commitments</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_PensionCommitments</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_PensionPlanAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Pension plan 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_PensionPlanAssets</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_TotalNetDefinedBenefitLiabilityAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 net defined benefit liability 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_TotalNetDefinedBenefitLiabilityAssets</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_OtherLongtermProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 provisions other than provisions for employee benefits. [Refer: Non-current 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 2024-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherLongtermProvisions</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_PlanAssetsAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 fair value of defined benefit plan assets. Plan assets comprise assets held by a long-term employee benefit fund and qualifying insurance policies. [Refer: At fair value [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 19<br> -IssueDate 2024-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_PlanAssetsAtFairValue</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_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 2024-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360570862304">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 25 Consolidated Income Statement Impact (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_ConsolidatedIncomeStatementImpactLineItems', window );"><strong>Consolidated income statement impact [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 colspan="2" class="text">&#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_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments', window );">Interest Income And Expense Post employment and other employee benefit commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 138<span></span>
</td>
<td class="nump">&#8364; 133<span></span>
</td>
<td colspan="2" class="nump">&#8364; 75<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_InterestExpensesBenefitCommitments', window );">Interest Expenses Benefit Commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">494<span></span>
</td>
<td class="nump">444<span></span>
</td>
<td colspan="2" class="nump">342<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_InterestIncomeBenefitCommitments', window );">Interest Income Benefit Commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(356)<span></span>
</td>
<td class="num">(311)<span></span>
</td>
<td colspan="2" class="num">(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_PersonnelExpenseConsolidatedIncomeStatementImpact', window );">Personnel expense consolidated income statement impact</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">215<span></span>
</td>
<td class="nump">188<span></span>
</td>
<td colspan="2" class="nump">130<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_DefinedContributionPlanExpense', window );">Defined contribution plan expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">158<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td colspan="2" class="nump">87<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_DefinedBenefitPlansExpense', window );">Defined benefit plans expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">51<span></span>
</td>
<td class="nump">49<span></span>
</td>
<td colspan="2" class="nump">42<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_OtherPersonnelExpenseConsolidatedIncomeStatementImpact', window );">Other personnel expense consolidated income statement impact</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" 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_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments', window );">Net Provisions post employment and other employee benefit commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td colspan="2" class="num">(89)<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_EarlyRetirementExpense', window );">Early Retirement Expense</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 colspan="2" 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_PastServiceCostExpenseOnIncomeStatement', window );">Past service cost expense on income statement</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td colspan="2" class="nump">34<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_RemeasurementsOnIncomeStatement', window );">Remeasurements on income statement</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td colspan="2" class="num">(126)<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_OtherProvisionExpenseImpactOnIncomeStatement', window );">Other provision expense impact on income statement</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td colspan="2" class="nump">3<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_TotalConsolidatedIncomeStatementImpact', window );">Total consolidated income statement impact</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 355<span></span>
</td>
<td class="nump">&#8364; 352<span></span>
</td>
<td colspan="2" class="nump">&#8364; 116<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) 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 2.2.13).</span></div></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_ConsolidatedIncomeStatementImpactLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Consolidated income statement impact</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_ConsolidatedIncomeStatementImpactLineItems</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_DefinedBenefitPlansExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined benefit plans expense</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_DefinedBenefitPlansExpense</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_DefinedContributionPlanExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined contribution plan expense</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_DefinedContributionPlanExpense</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_EarlyRetirementExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Early Retirement Expense</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_EarlyRetirementExpense</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_InterestExpensesBenefitCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Expenses Benefit Commitments</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_InterestExpensesBenefitCommitments</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_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Income And Expense Post employment and other employee benefit commitments</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_InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments</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_InterestIncomeBenefitCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Income Benefit Commitments</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_InterestIncomeBenefitCommitments</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_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Provisions post employment and other employee benefit commitments</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_NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments</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_OtherPersonnelExpenseConsolidatedIncomeStatementImpact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 personnel expense consolidated income statement impact</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_OtherPersonnelExpenseConsolidatedIncomeStatementImpact</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_OtherProvisionExpenseImpactOnIncomeStatement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 provision expense impact on income statement</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_OtherProvisionExpenseImpactOnIncomeStatement</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_PastServiceCostExpenseOnIncomeStatement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Past service cost expense on income statement</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_PastServiceCostExpenseOnIncomeStatement</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_PersonnelExpenseConsolidatedIncomeStatementImpact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Personnel expense consolidated income statement impact</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_PersonnelExpenseConsolidatedIncomeStatementImpact</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_RemeasurementsOnIncomeStatement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Remeasurements on income statement</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_RemeasurementsOnIncomeStatement</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_TotalConsolidatedIncomeStatementImpact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 consolidated income statement impact</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_TotalConsolidatedIncomeStatementImpact</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>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>234
<FILENAME>R215.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526106048">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 25 Equity impact (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_EquityImpactLineItems', window );"><strong>Equity impact [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TotalImpactOnEquityDebitCredit', window );">Total impact on equity debit credit</a></td>
<td class="nump">&#8364; 132<span></span>
</td>
<td class="nump">&#8364; 314<span></span>
</td>
<td class="num">&#8364; (433)<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_bbva_EquityImpactAxis=bbva_DefinedBenefitPlansEquityImpactMember', window );">Defined benefit plans equity impact [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EquityImpactLineItems', window );"><strong>Equity impact [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TotalImpactOnEquityDebitCredit', window );">Total impact on equity debit credit</a></td>
<td class="nump">218<span></span>
</td>
<td class="nump">302<span></span>
</td>
<td class="num">(363)<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_bbva_EquityImpactAxis=bbva_PostEmploymentMedicalBenefitsEquityImpactMember', window );">Post employment medical benefits equity impact [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_EquityImpactLineItems', window );"><strong>Equity impact [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TotalImpactOnEquityDebitCredit', window );">Total impact on equity debit credit</a></td>
<td class="num">&#8364; (86)<span></span>
</td>
<td class="nump">&#8364; 12<span></span>
</td>
<td class="num">&#8364; (71)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityImpactLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 impact</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_EquityImpactLineItems</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_TotalImpactOnEquityDebitCredit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 impact on equity debit credit</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_TotalImpactOnEquityDebitCredit</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_EquityImpactAxis=bbva_DefinedBenefitPlansEquityImpactMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EquityImpactAxis=bbva_DefinedBenefitPlansEquityImpactMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EquityImpactAxis=bbva_PostEmploymentMedicalBenefitsEquityImpactMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EquityImpactAxis=bbva_PostEmploymentMedicalBenefitsEquityImpactMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>235
<FILENAME>R216.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360558132032">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 25 Defined benefits (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 5,989<span></span>
</td>
<td class="nump">&#8364; 5,715<span></span>
</td>
<td class="nump">&#8364; 6,547<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_CurrentServiceCostDefinedBenefitPlans', window );">Current service cost, defined benefit plans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">51<span></span>
</td>
<td class="nump">52<span></span>
</td>
<td class="nump">45<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_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from interest expense (income)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">472<span></span>
</td>
<td class="nump">425<span></span>
</td>
<td class="nump">333<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_ContributionsToPlanNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from contributions to plan</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">10<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_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset', window );">Contributions to plan by employer, net defined benefit liability (asset)</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_PastServiceCostNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from past service cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">7<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="nump">34<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_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(202)<span></span>
</td>
<td class="nump">375<span></span>
</td>
<td class="num">(741)<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_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from return on plan assets excluding interest income or expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</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_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in demographic assumptions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2<span></span>
</td>
<td class="num">(86)<span></span>
</td>
<td class="num">(29)<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_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(362)<span></span>
</td>
<td class="nump">248<span></span>
</td>
<td class="num">(812)<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_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from experience adjustments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">158<span></span>
</td>
<td class="nump">212<span></span>
</td>
<td class="nump">100<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_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from payments from plan</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">564<span></span>
</td>
<td class="nump">655<span></span>
</td>
<td class="nump">676<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_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from payments in respect of settlements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(76)<span></span>
</td>
<td class="num">(4)<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_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from business combinations and disposals</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<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_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from changes in foreign exchange rates, net defined benefit liability (asset)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(467)<span></span>
</td>
<td class="nump">124<span></span>
</td>
<td class="nump">161<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_ConversionsToDefinedContributions', window );">Conversions to defined contributions</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_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from other changes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3)<span></span>
</td>
<td class="num">(15)<span></span>
</td>
<td class="nump">7<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,299<span></span>
</td>
<td class="nump">5,989<span></span>
</td>
<td class="nump">5,715<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_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,419<span></span>
</td>
<td class="nump">3,084<span></span>
</td>
<td class="nump">2,988<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_CurrentServiceCostDefinedBenefitPlans', window );">Current service cost, defined benefit plans</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_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from interest expense (income)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">356<span></span>
</td>
<td class="nump">311<span></span>
</td>
<td class="nump">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_ContributionsToPlanNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from contributions to plan</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">10<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_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset', window );">Contributions to plan by employer, net defined benefit liability (asset)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(143)<span></span>
</td>
<td class="num">(106)<span></span>
</td>
<td class="num">(67)<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_PastServiceCostNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from past service cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(330)<span></span>
</td>
<td class="nump">68<span></span>
</td>
<td class="num">(240)<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_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from return on plan assets excluding interest income or expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(330)<span></span>
</td>
<td class="nump">68<span></span>
</td>
<td class="num">(240)<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_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in demographic assumptions</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_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions</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_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from experience adjustments</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_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from payments from plan</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">230<span></span>
</td>
<td class="nump">232<span></span>
</td>
<td class="nump">184<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_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from payments in respect of settlements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(75)<span></span>
</td>
<td class="num">(4)<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_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from business combinations and disposals</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_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from changes in foreign exchange rates, net defined benefit liability (asset)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(416)<span></span>
</td>
<td class="nump">153<span></span>
</td>
<td class="nump">180<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_ConversionsToDefinedContributions', window );">Conversions to defined contributions</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_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from other changes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(7)<span></span>
</td>
<td class="num">(7)<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,951<span></span>
</td>
<td class="nump">3,419<span></span>
</td>
<td class="nump">3,084<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_NetDefinedBenefitLiabilityAssetAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,571<span></span>
</td>
<td class="nump">2,632<span></span>
</td>
<td class="nump">3,560<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_CurrentServiceCostDefinedBenefitPlans', window );">Current service cost, defined benefit plans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">51<span></span>
</td>
<td class="nump">52<span></span>
</td>
<td class="nump">45<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_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from interest expense (income)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">115<span></span>
</td>
<td class="nump">114<span></span>
</td>
<td class="nump">65<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_ContributionsToPlanNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from contributions to plan</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_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset', window );">Contributions to plan by employer, net defined benefit liability (asset)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(143)<span></span>
</td>
<td class="num">(106)<span></span>
</td>
<td class="num">(67)<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_PastServiceCostNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from past service cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">7<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="nump">34<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_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">128<span></span>
</td>
<td class="nump">307<span></span>
</td>
<td class="num">(501)<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_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from return on plan assets excluding interest income or expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">330<span></span>
</td>
<td class="num">(68)<span></span>
</td>
<td class="nump">240<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_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in demographic assumptions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2<span></span>
</td>
<td class="num">(86)<span></span>
</td>
<td class="num">(29)<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_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(362)<span></span>
</td>
<td class="nump">248<span></span>
</td>
<td class="num">(812)<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_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from experience adjustments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">158<span></span>
</td>
<td class="nump">212<span></span>
</td>
<td class="nump">100<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_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from payments from plan</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(334)<span></span>
</td>
<td class="num">(424)<span></span>
</td>
<td class="num">(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_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in net defined benefit liability (asset) resulting from payments in respect of settlements</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<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_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from business combinations and disposals</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<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_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from changes in foreign exchange rates, net defined benefit liability (asset)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(51)<span></span>
</td>
<td class="num">(29)<span></span>
</td>
<td class="num">(20)<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_ConversionsToDefinedContributions', window );">Conversions to defined contributions</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_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset', window );">Increase (decrease) in net defined benefit liability (asset) resulting from other changes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="nump">7<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,348<span></span>
</td>
<td class="nump">2,571<span></span>
</td>
<td class="nump">2,632<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_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_ES', window );">SPAIN | Present value of defined benefit obligation [member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,310<span></span>
</td>
<td class="nump">2,546<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,078<span></span>
</td>
<td class="nump">2,310<span></span>
</td>
<td class="nump">2,546<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_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_ES', window );">SPAIN | Plan assets [member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">129<span></span>
</td>
<td class="nump">147<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">114<span></span>
</td>
<td class="nump">129<span></span>
</td>
<td class="nump">147<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_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_ES', window );">SPAIN | Net liability asset [Member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,181<span></span>
</td>
<td class="nump">2,399<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,964<span></span>
</td>
<td class="nump">2,181<span></span>
</td>
<td class="nump">2,399<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_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_MX', window );">MEXICO | Present value of defined benefit obligation [member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,988<span></span>
</td>
<td class="nump">2,426<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,385<span></span>
</td>
<td class="nump">2,988<span></span>
</td>
<td class="nump">2,426<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_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_MX', window );">MEXICO | Plan assets [member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,702<span></span>
</td>
<td class="nump">2,329<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,114<span></span>
</td>
<td class="nump">2,702<span></span>
</td>
<td class="nump">2,329<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_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_MX', window );">MEXICO | Net liability asset [Member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">286<span></span>
</td>
<td class="nump">97<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">271<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="nump">97<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_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_TR', window );">TURKEY | Present value of defined benefit obligation [member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">435<span></span>
</td>
<td class="nump">418<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">567<span></span>
</td>
<td class="nump">435<span></span>
</td>
<td class="nump">418<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_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_TR', window );">TURKEY | Plan assets [member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">363<span></span>
</td>
<td class="nump">315<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">488<span></span>
</td>
<td class="nump">363<span></span>
</td>
<td class="nump">315<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_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_TR', window );">TURKEY | Net liability asset [Member]</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at beginning of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">72<span></span>
</td>
<td class="nump">103<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_AssetsLiabilitiesOfBenefitPlan', window );">Net assets available for benefits at end of period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 80<span></span>
</td>
<td class="nump">&#8364; 72<span></span>
</td>
<td class="nump">&#8364; 103<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Including gains and losses arising from settlements.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Excluding interest, which is recorded under "Interest income or expense".</span></div></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_ConversionsToDefinedContributions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Conversions to defined contributions</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_ConversionsToDefinedContributions</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_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in demographic assumptions that result in remeasurements of the net defined benefit liability (asset). Demographic assumptions deal with matters such as: (a) mortality; (b) rates of employee turnover, disability and early retirement; (c) the proportion of plan members with dependants who will be eligible for benefits; (d) the proportion of plan members who will select each form of payment option available under the plan terms; and (e) claim rates under medical plans. [Refer: Net defined benefit liability (asset)]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_c_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset</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_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions that result in remeasurements of the net defined benefit liability (asset). Financial assumptions deal with items such as: (a) the discount rate; (b) benefit levels, excluding any cost of the benefits to be met by employees, and future salary; (c) in the case of medical benefits, future medical costs, including claim handling costs (ie the costs that will be incurred in processing and resolving claims, including legal and adjuster's fees); and (d) taxes payable by the plan on contributions relating to service before the reporting date or on benefits resulting from that service. [Refer: Net defined benefit liability (asset)]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_c_iii&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset</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_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from experience adjustments that result in remeasurements of the net defined benefit liability (asset). Experience adjustments deal with the effects of differences between the previous actuarial assumptions and what has actually occurred. [Refer: Net defined benefit liability (asset)]</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 2024-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset</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_AssetsLiabilitiesOfBenefitPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 of a retirement benefit plan less liabilities other than the actuarial present value of promised retirement 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 26<br> -IssueDate 2024-01-01<br> -Paragraph 35<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AssetsLiabilitiesOfBenefitPlan</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_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 (increase) in net defined benefit liability (asset) resulting from contributions to a defined benefit plan by the employer. [Refer: Net defined benefit liability (asset); Defined benefit plans [domain]]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_f&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset</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_ContributionsToPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 (increase) in the net defined benefit liability (asset) resulting from contributions to a defined benefit plan. [Refer: Net defined benefit liability (asset); Defined benefit plans [domain]]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_f&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ContributionsToPlanNetDefinedBenefitLiabilityAsset</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_CurrentServiceCostDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 employee service in the current period arising from defined benefit plans. [Refer: Post-employment benefit expense in profit or loss, defined benefit plans] [Contrast: Increase in net defined benefit liability (asset) resulting from current service cost]</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 2024-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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_CurrentServiceCostDefinedBenefitPlans</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of 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;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</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_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 (increase) in a net defined benefit liability (asset) resulting from the remeasurement of that net defined benefit liability (asset). [Refer: Net defined benefit liability (asset)]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset</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_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 the net defined benefit liability (asset) resulting from business combinations and disposals. [Refer: Total for all business combinations [member]; Net defined benefit liability (asset)]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_h&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset</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_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 the net defined benefit liability (asset) resulting from changes in foreign exchange rates. [Refer: Net defined benefit liability (asset)]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset</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_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 the net defined benefit liability (asset) resulting from changes that the entity does not separately disclose in the same statement or note. [Refer: Net defined benefit liability (asset)]</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 2024-01-01<br> -Paragraph 141<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset</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_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 the net defined benefit liability (asset) resulting from the passage of time. [Refer: Interest expense; Net defined benefit liability (asset)]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_b&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset</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_PastServiceCostNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 the net defined benefit liability (asset) resulting from past service cost. Past service cost is the change in the present value of the defined benefit obligation for employee service in prior periods, resulting from a plan amendment (the introduction or withdrawal of, or changes to, a defined benefit plan) or a curtailment (a significant reduction by the entity in the number of employees covered by a plan). [Refer: Net defined benefit liability (asset); Defined benefit plans [domain]]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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_PastServiceCostNetDefinedBenefitLiabilityAsset</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_PaymentsFromPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 (increase) in the net defined benefit liability (asset) resulting from payments from the plan. [Refer: Net defined benefit liability (asset)]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2024-03-27<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_PaymentsFromPlanNetDefinedBenefitLiabilityAsset</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_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 (increase) in the net defined benefit liability (asset) resulting from payments from the plan in respect of settlements. [Refer: Decrease (increase) in net defined benefit liability (asset) resulting from gains (losses) arising from settlements; Net defined benefit liability (asset); Defined benefit plans [domain]]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2024-03-27<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_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset</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_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 (increase) in the net defined benefit liability (asset) resulting from the return on plan assets, excluding amounts included in interest income or expense. The return on plan assets is interest, dividends and other revenue derived from the plan assets, together with realised and unrealised gains or losses on the plan assets, less any costs of managing plan assets and less any tax payable by the plan itself, other than tax included in the actuarial assumptions used to measure the present value of the defined benefit obligation. [Refer: Plan assets [member]; Net defined benefit liability (asset); Actuarial assumptions [domain]; Increase (decrease) in net defined benefit liability (asset) resulting from interest 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 IAS<br> -Number 19<br> -IssueDate 2024-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_141_c_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset</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_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<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_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PlanAssetsMember</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>
<td></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_NetDefinedBenefitLiabilityAssetAxis=bbva_NetLiabilityAssetMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_NetDefinedBenefitLiabilityAssetAxis=bbva_NetLiabilityAssetMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_ES</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>
</tr>
</table></div>
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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;">bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_MX</td>
</tr>
<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>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></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;">bbva_DefinedBenefitLiabilityAssetByCountryAxis=country_TR</td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360565021008">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 25 Actuarial assumptions percentage (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_ActuarialAssumptionsAxis=country_ES', window );">SPAIN</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ActuarialAssumptionsLineItems', window );"><strong>Actuarial assumptions [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Actuarial assumption of discount rates</a></td>
<td class="nump">3.25%<span></span>
</td>
<td class="nump">3.43%<span></span>
</td>
<td class="nump">3.91%<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_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases', window );">Actuarial assumption of expected rates of salary increases</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<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_ActuarialAssumptionOfExpectedRatesOfPensionIncreases', window );">Actuarial assumption of expected rates of pension increases</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<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_ActuarialAssumptionOfMedicalCostTrendRates', window );">Actuarial assumption of medical cost trend rates</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<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_MortalityTables', window );">Mortality tables</a></td>
<td class="text">PER 2020<span></span>
</td>
<td class="text">PER 2020<span></span>
</td>
<td class="text">PER 2020<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_ActuarialAssumptionsAxis=country_MX', window );">MEXICO</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ActuarialAssumptionsLineItems', window );"><strong>Actuarial assumptions [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Actuarial assumption of discount rates</a></td>
<td class="nump">12.11%<span></span>
</td>
<td class="nump">10.44%<span></span>
</td>
<td class="nump">10.68%<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_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases', window );">Actuarial assumption of expected rates of salary increases</a></td>
<td class="nump">4.50%<span></span>
</td>
<td class="nump">4.50%<span></span>
</td>
<td class="nump">4.50%<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_ActuarialAssumptionOfExpectedRatesOfPensionIncreases', window );">Actuarial assumption of expected rates of pension increases</a></td>
<td class="nump">3.92%<span></span>
</td>
<td class="nump">4.14%<span></span>
</td>
<td class="nump">4.41%<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_ActuarialAssumptionOfMedicalCostTrendRates', window );">Actuarial assumption of medical cost trend rates</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.04%<span></span>
</td>
<td class="nump">8.04%<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_MortalityTables', window );">Mortality tables</a></td>
<td class="text">EMSSA09<span></span>
</td>
<td class="text">EMSSA09<span></span>
</td>
<td class="text">EMSSA09<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_ActuarialAssumptionsAxis=country_TR', window );">TURKEY</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ActuarialAssumptionsLineItems', window );"><strong>Actuarial assumptions [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Actuarial assumption of discount rates</a></td>
<td class="nump">31.02%<span></span>
</td>
<td class="nump">25.60%<span></span>
</td>
<td class="nump">17.79%<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_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases', window );">Actuarial assumption of expected rates of salary increases</a></td>
<td class="nump">27.80%<span></span>
</td>
<td class="nump">23.44%<span></span>
</td>
<td class="nump">15.86%<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_ActuarialAssumptionOfExpectedRatesOfPensionIncreases', window );">Actuarial assumption of expected rates of pension increases</a></td>
<td class="nump">26.30%<span></span>
</td>
<td class="nump">21.94%<span></span>
</td>
<td class="nump">14.36%<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_ActuarialAssumptionOfMedicalCostTrendRates', window );">Actuarial assumption of medical cost trend rates</a></td>
<td class="nump">30.50%<span></span>
</td>
<td class="nump">26.14%<span></span>
</td>
<td class="nump">18.56%<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_MortalityTables', window );">Mortality tables</a></td>
<td class="text">TUIK 2022<span></span>
</td>
<td class="text">TUIK 2019<span></span>
</td>
<td class="text">TUIK 2019<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ActuarialAssumptionsLineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Actuarial assumptions</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_ActuarialAssumptionsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Mortality tables</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_MortalityTables</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The discount rate used as the significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit obligation, at present value; Actuarial assumptions [domain]]</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 2024-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ActuarialAssumptionOfDiscountRates</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of increases in pension that is used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</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 2024-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ActuarialAssumptionOfExpectedRatesOfPensionIncreases</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of salary increases used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</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 2024-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Medical cost trend rate used as significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit obligation, at present value; Actuarial assumptions [domain]]</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 2024-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ActuarialAssumptionOfMedicalCostTrendRates</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572464656">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 25 Sensitivity analysis (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfDiscountRatesMember', window );">Actuarial assumption of discount rates [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityAnalysisLineItems', window );"><strong>Sensitivity analysis [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BasisPointsChangeSensitivityAnalysis', window );">Basis points change sensitivity analysis</a></td>
<td class="nump">0.50%<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_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase (decrease) in defined benefit obligation due to reasonably possible increase in actuarial assumption</a></td>
<td class="num">&#8364; (213)<span></span>
</td>
<td class="num">&#8364; (265)<span></span>
</td>
<td class="num">&#8364; (321)<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_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Decrease In Defined Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</a></td>
<td class="nump">&#8364; 232<span></span>
</td>
<td class="nump">291<span></span>
</td>
<td class="nump">350<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_bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreasesMember', window );">Actuarial assumption of expected rates of salary increases [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityAnalysisLineItems', window );"><strong>Sensitivity analysis [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BasisPointsChangeSensitivityAnalysis', window );">Basis points change sensitivity analysis</a></td>
<td class="nump">0.50%<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_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase (decrease) in defined benefit obligation due to reasonably possible increase in actuarial assumption</a></td>
<td class="nump">&#8364; 4<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">1<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_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Decrease In Defined Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</a></td>
<td class="num">&#8364; (4)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="num">(1)<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_bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember', window );">Actuarial assumption of expected rates of pension increases [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityAnalysisLineItems', window );"><strong>Sensitivity analysis [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BasisPointsChangeSensitivityAnalysis', window );">Basis points change sensitivity analysis</a></td>
<td class="nump">0.50%<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_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase (decrease) in defined benefit obligation due to reasonably possible increase in actuarial assumption</a></td>
<td class="nump">&#8364; 27<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="nump">32<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_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Decrease In Defined Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</a></td>
<td class="num">&#8364; (26)<span></span>
</td>
<td class="num">(32)<span></span>
</td>
<td class="num">(39)<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_bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember', window );">Actuarial assumption of medical cost trend rates [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityAnalysisLineItems', window );"><strong>Sensitivity analysis [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BasisPointsChangeSensitivityAnalysis', window );">Basis points change sensitivity analysis</a></td>
<td class="nump">0.50%<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_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase (decrease) in defined benefit obligation due to reasonably possible increase in actuarial assumption</a></td>
<td class="nump">&#8364; 102<span></span>
</td>
<td class="nump">141<span></span>
</td>
<td class="nump">119<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_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Decrease In Defined Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</a></td>
<td class="num">&#8364; (93)<span></span>
</td>
<td class="num">(126)<span></span>
</td>
<td class="num">(106)<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_bbva_SensitivityAnalysisAxis=bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember', window );">Change in obligation from each additional year of longevity [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_SensitivityAnalysisLineItems', window );"><strong>Sensitivity analysis [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_BasisPointsChangeSensitivityAnalysis', window );">Basis points change sensitivity analysis</a></td>
<td class="text"> <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_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase (decrease) in defined benefit obligation due to reasonably possible increase in actuarial assumption</a></td>
<td class="nump">&#8364; 120<span></span>
</td>
<td class="nump">134<span></span>
</td>
<td class="nump">113<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_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Decrease In Defined Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</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>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Basis points change sensitivity analysis</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_BasisPointsChangeSensitivityAnalysis</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<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 class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease In Defined Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</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_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SensitivityAnalysisLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity analysis</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_SensitivityAnalysisLineItems</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<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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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 a defined benefit obligation that would have been caused by an increase in a significant actuarial assumption that was reasonably possible at the end of the reporting period. [Refer: Actuarial assumptions [domain]]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 145<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_145_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption</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>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfDiscountRatesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfDiscountRatesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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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_bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreasesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreasesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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;">bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember</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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<td><strong> Period Type:</strong></td>
<td></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;">bbva_SensitivityAnalysisAxis=ifrs-full_ActuarialAssumptionOfMedicalCostTrendRatesMember</td>
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<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>na</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></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;">bbva_SensitivityAnalysisAxis=bbva_ChangeInObligationFromEachAdditionalYearOfLongevityMember</td>
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<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 25 Post employment commitments (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
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<tr>
<th class="th" colspan="2"><div>Dec. 31, 2024</div></th>
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<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
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</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_DefinedBenefitObligationAtPresentValue', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 6,424,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 6,181,000,000<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_DefinedBenefitObligationAtPresentValue', window );">Defined benefit obligation, at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,683,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,424,000,000<span></span>
</td>
<td class="nump">&#8364; 6,181,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,310,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Defined benefit obligation, at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,078,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,310,000,000<span></span>
</td>
<td class="text">&#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_PlanAssets', window );">Plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">129,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssets', window );">Plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">114,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">129,000,000<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_LiabilityAssetOfDefinedBenefitPlans', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,964,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,181,000,000<span></span>
</td>
<td class="nump">2,399,000,000<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_LiabilityAssetOfDefinedBenefitPlans', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,181,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,399,000,000<span></span>
</td>
<td class="nump">3,464,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Current service cost [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="nump">4,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Interest income or expense [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">73,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">69,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">85,000,000<span></span>
</td>
<td class="nump">51,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Contributions by plan participants [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Employer contributions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Past service cost [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Remeasurements [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">24,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">23,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">67,000,000<span></span>
</td>
<td class="num">(643,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Return of plan assets [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">34,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | From changes in demographic assumptions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | From changes in financial assumptions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">34,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">34,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">78,000,000<span></span>
</td>
<td class="num">(643,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Other actuarial gains and losses [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(11,000,000)<span></span>
</td>
<td class="num">(34,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Benefit payments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(341,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(20,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(321,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(379,000,000)<span></span>
</td>
<td class="num">(484,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Settlements payments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Total for all business combinations [member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Effect on changes in foreign exchange rates [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Conversions to defined contributions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Other effects Post employment commitments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,000,000<span></span>
</td>
<td class="nump">7,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | of which vested benefit obligation relating to current employees [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Defined benefit obligation, at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">72,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES', window );">SPAIN | Of which vested benefit obligation relating to retired employees [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Defined benefit obligation, at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,006,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,269,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Defined benefit obligation, at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,124,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,269,000,000<span></span>
</td>
<td class="text">&#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_PlanAssets', window );">Plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">958,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssets', window );">Plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">748,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">958,000,000<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_LiabilityAssetOfDefinedBenefitPlans', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">377,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">311,000,000<span></span>
</td>
<td class="nump">132,000,000<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_LiabilityAssetOfDefinedBenefitPlans', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">311,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">132,000,000<span></span>
</td>
<td class="nump">124,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Current service cost [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9,000,000<span></span>
</td>
<td class="nump">7,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Interest income or expense [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">118,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">87,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">30,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">17,000,000<span></span>
</td>
<td class="nump">14,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Contributions by plan participants [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Employer contributions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">68,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(68,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(37,000,000)<span></span>
</td>
<td class="num">(41,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Past service cost [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Remeasurements [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(125,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">139,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">175,000,000<span></span>
</td>
<td class="nump">152,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Return of plan assets [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(125,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">125,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">19,000,000<span></span>
</td>
<td class="nump">45,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | From changes in demographic assumptions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | From changes in financial assumptions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">114,000,000<span></span>
</td>
<td class="nump">73,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Other actuarial gains and losses [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">22,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">22,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">42,000,000<span></span>
</td>
<td class="nump">34,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Benefit payments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(109,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(108,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Settlements payments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Total for all business combinations [member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="num">(139,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Effect on changes in foreign exchange rates [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(177,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(132,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(45,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">15,000,000<span></span>
</td>
<td class="nump">13,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Conversions to defined contributions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX', window );">MEXICO | Other effects Post employment commitments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">435,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Defined benefit obligation, at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">567,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">435,000,000<span></span>
</td>
<td class="text">&#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_PlanAssets', window );">Plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">363,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssets', window );">Plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">488,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">363,000,000<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_LiabilityAssetOfDefinedBenefitPlans', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">80,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">72,000,000<span></span>
</td>
<td class="nump">103,000,000<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_LiabilityAssetOfDefinedBenefitPlans', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">72,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">103,000,000<span></span>
</td>
<td class="nump">63,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Current service cost [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">18,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">18,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">17,000,000<span></span>
</td>
<td class="nump">13,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Interest income or expense [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">105,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">89,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,000,000<span></span>
</td>
<td class="nump">10,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Contributions by plan participants [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Employer contributions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">39,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(39,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(23,000,000)<span></span>
</td>
<td class="num">(22,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Past service cost [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">33,000,000<span></span>
</td>
<td class="nump">2,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Remeasurements [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">83,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">50,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">32,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">32,000,000<span></span>
</td>
<td class="nump">62,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Return of plan assets [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">50,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(50,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(129,000,000)<span></span>
</td>
<td class="num">(104,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | From changes in demographic assumptions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(15,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(15,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(14,000,000)<span></span>
</td>
<td class="num">(37,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | From changes in financial assumptions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(97,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(97,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">10,000,000<span></span>
</td>
<td class="nump">82,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Other actuarial gains and losses [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">195,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">195,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">165,000,000<span></span>
</td>
<td class="nump">122,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Benefit payments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(32,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(20,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(11,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(43,000,000)<span></span>
</td>
<td class="num">(6,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Settlements payments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Total for all business combinations [member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Effect on changes in foreign exchange rates [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(48,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(40,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(8,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(40,000,000)<span></span>
</td>
<td class="num">(18,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Conversions to defined contributions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR', window );">TURKEY | Other effects Post employment commitments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(11,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(7,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(4,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(14,000,000)<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">247,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DefinedBenefitObligationAtPresentValue', window );">Defined benefit obligation, at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">260,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">247,000,000<span></span>
</td>
<td class="text">&#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_PlanAssets', window );">Plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">224,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssets', window );">Plan assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">234,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">224,000,000<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_LiabilityAssetOfDefinedBenefitPlans', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">26,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">23,000,000<span></span>
</td>
<td class="nump">25,000,000<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_LiabilityAssetOfDefinedBenefitPlans', window );">Net liability asset</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">23,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">25,000,000<span></span>
</td>
<td class="nump">24,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Current service cost [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="nump">3,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Interest income or expense [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,000,000<span></span>
</td>
<td class="nump">4,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Contributions by plan participants [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Employer contributions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">22,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(22,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(29,000,000)<span></span>
</td>
<td class="num">(3,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Past service cost [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="nump">3,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Remeasurements [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">21,000,000<span></span>
</td>
<td class="num">(1,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Return of plan assets [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(10,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">25,000,000<span></span>
</td>
<td class="nump">121,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | From changes in demographic assumptions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="nump">8,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | From changes in financial assumptions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(10,000,000)<span></span>
</td>
<td class="num">(132,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Other actuarial gains and losses [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,000,000<span></span>
</td>
<td class="nump">2,000,000<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Benefit payments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(12,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(11,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(1,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Settlements payments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Total for all business combinations [member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Effect on changes in foreign exchange rates [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="num">(3,000,000)<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Conversions to defined contributions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember', window );">Rest of the world [Member] | Other effects Post employment commitments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DefinedBenefitObligationAtPresentValueChangesOfTheYear', window );">Defined benefit obligation at present value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_PlanAssetsChangesOfTheYear', window );">Plan assets changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_NetLiabilityAssetChangesOfTheYear', window );">Net liability asset changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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) Including gains and losses arising from settlements.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Excluding interest, which is recorded under "Interest income or expense".</span></div></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_DefinedBenefitObligationAtPresentValueChangesOfTheYear">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined benefit obligation at present value changes of the year</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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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DefinedBenefitObligationAtPresentValueChangesOfTheYear</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_NetLiabilityAssetChangesOfTheYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 liability asset changes of the year</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_NetLiabilityAssetChangesOfTheYear</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_PlanAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Plan 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_PlanAssets</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_PlanAssetsChangesOfTheYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Plan assets changes of the year</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_PlanAssetsChangesOfTheYear</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_ifrs-full_DefinedBenefitObligationAtPresentValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 present value, without deducting any plan assets, of expected future payments required to settle the obligation resulting from employee service in the current and prior periods. [Refer: Plan assets, at fair 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/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2024-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DefinedBenefitObligationAtPresentValue</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_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of 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;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</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_LiabilityAssetOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 deficit or surplus in a defined benefit plan, adjusted for any effect of limiting a net defined benefit asset to the asset ceiling. [Refer: Defined benefit plans [domain]]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 140<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_140_a&amp;doctype=Standard<br> -URIDate 2024-03-27<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_LiabilityAssetOfDefinedBenefitPlans</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_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_ES</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_CurrentServiceCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_CurrentServiceCostMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_InterestIncomeOrExpenseMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_InterestIncomeOrExpenseMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_ContributionsByPlanParticipantsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_ContributionsByPlanParticipantsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_EmployerContributionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_EmployerContributionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_PastServiceCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_PastServiceCostMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_RemeasurementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_RemeasurementsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_ReturnOfPlanAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_ReturnOfPlanAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_FromChangesInDemographicAssumptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_FromChangesInDemographicAssumptionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_FromChangesInFinancialAssumptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_FromChangesInFinancialAssumptionsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_OtherActuarialGainsAndLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_OtherActuarialGainsAndLossesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_BenefitPaymentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_BenefitPaymentsMember</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_SettlementsPaymentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=ifrs-full_BusinessCombinationsMember</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>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_EffectOnChangesInForeignExchangeRatesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_ConversionsToDefinedContributionsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_OtherEffectsPostEmploymentCommitmentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_OfWhichVestedBenefitObligationRelatingToCurrentEmployeesMember</td>
</tr>
<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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<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_bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByDetailAxis=bbva_OfWhichVestedBenefitObligationRelatingToRetiredEmployeesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</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;">bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_MX</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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;">bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=country_TR</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PostEmploymentCommitmentsBreakdownByCountryAxis=bbva_RestOfTheWorldMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>239
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360536837120">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 25 Medical benefits commitments (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitments', window );">Medical benefits commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 1,728<span></span>
</td>
<td class="nump">&#8364; 1,448<span></span>
</td>
<td class="text">&#160;<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_MedicalBenefitsCommitments', window );">Medical benefits commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,269<span></span>
</td>
<td class="nump">1,728<span></span>
</td>
<td class="nump">&#8364; 1,448<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitments', window );">Medical benefits commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,728<span></span>
</td>
<td class="nump">1,448<span></span>
</td>
<td class="nump">1,377<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_MedicalBenefitsCommitments', window );">Medical benefits commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,269<span></span>
</td>
<td class="nump">1,728<span></span>
</td>
<td class="nump">1,448<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Current service cost [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">18<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">19<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Interest income or expense [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">167<span></span>
</td>
<td class="nump">167<span></span>
</td>
<td class="nump">144<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Contributions by plan participants [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Employer contributions [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Past service cost [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">28<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Remeasurements [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(333)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(215)<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Return of plan assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | From changes in demographic assumptions [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="nump">0<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | From changes in financial assumptions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(293)<span></span>
</td>
<td class="nump">56<span></span>
</td>
<td class="num">(191)<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Other actuarial gains and losses [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(55)<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="num">(23)<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Benefit payments [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(71)<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="num">(60)<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Settlements payments [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Total for all business combinations [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Effect on changes in foreign exchange rates [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(240)<span></span>
</td>
<td class="nump">168<span></span>
</td>
<td class="nump">155<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember', window );">Present value of defined benefit obligation [member] | Other effects Post employment commitments [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitments', window );">Medical benefits commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,744<span></span>
</td>
<td class="nump">1,476<span></span>
</td>
<td class="nump">1,494<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_MedicalBenefitsCommitments', window );">Medical benefits commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,367<span></span>
</td>
<td class="nump">1,744<span></span>
</td>
<td class="nump">1,476<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Current service cost [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Interest income or expense [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">168<span></span>
</td>
<td class="nump">165<span></span>
</td>
<td class="nump">157<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Contributions by plan participants [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Employer contributions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">0<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Past service cost [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Remeasurements [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(247)<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="num">(144)<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Return of plan assets [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(247)<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="num">(144)<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | From changes in demographic assumptions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | From changes in financial assumptions [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Other actuarial gains and losses [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Benefit payments [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(70)<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="num">(60)<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Settlements payments [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Total for all business combinations [member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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">(139)<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Effect on changes in foreign exchange rates [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(243)<span></span>
</td>
<td class="nump">173<span></span>
</td>
<td class="nump">167<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_bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember', window );">Plan assets [member] | Other effects Post employment commitments [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitments', window );">Medical benefits commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(28)<span></span>
</td>
<td class="num">(116)<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_MedicalBenefitsCommitments', window );">Medical benefits commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(98)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="num">(28)<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Current service cost [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">18<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">19<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Interest income or expense [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2)<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="num">(14)<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Contributions by plan participants [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Employer contributions [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(15)<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="nump">0<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Past service cost [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">28<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Remeasurements [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(86)<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="num">(71)<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Return of plan assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">247<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">144<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | From changes in demographic assumptions [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="nump">0<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | From changes in financial assumptions [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(293)<span></span>
</td>
<td class="nump">56<span></span>
</td>
<td class="num">(191)<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Other actuarial gains and losses [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(55)<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="num">(23)<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Benefit payments [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Settlements payments [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Total for all business combinations [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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">139<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Effect on changes in foreign exchange rates [Member]</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_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(11)<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_bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember', window );">Net liability asset [Member] | Other effects Post employment commitments [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsLineItems', window );"><strong>Medical benefits commitments [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_MedicalBenefitsCommitmentsChangesOfTheYear', window );">Medical benefits commitments changes of the year</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; 0<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Including gains and losses arising from settlements.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Excluding interest, which is recorded under "Interest income or expense".</span></div></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_MedicalBenefitsCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Medical benefits commitments</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_MedicalBenefitsCommitments</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_MedicalBenefitsCommitmentsChangesOfTheYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Medical benefits commitments changes of the year</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_MedicalBenefitsCommitmentsChangesOfTheYear</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>Medical benefits commitments</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_MedicalBenefitsCommitmentsLineItems</td>
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<td>na</td>
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<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>
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<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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_CurrentServiceCostMember</td>
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<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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_InterestIncomeOrExpenseMember</td>
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<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>
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<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>
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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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_EmployerContributionsMember</td>
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<tr>
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<td>na</td>
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<tr>
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<td></td>
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<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_PastServiceCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_PastServiceCostMember</td>
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<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>
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<tr>
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<td></td>
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<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_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_RemeasurementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_RemeasurementsMember</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>
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<tr>
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<td></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_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_ReturnOfPlanAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_ReturnOfPlanAssetsMember</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_FromChangesInDemographicAssumptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_FromChangesInDemographicAssumptionsMember</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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_FromChangesInFinancialAssumptionsMember</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_OtherActuarialGainsAndLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_OtherActuarialGainsAndLossesMember</td>
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<td></td>
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<tr>
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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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_BenefitPaymentsMember</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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_SettlementsPaymentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=ifrs-full_BusinessCombinationsMember</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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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_bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_EffectOnChangesInForeignExchangeRatesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_EffectOnChangesInForeignExchangeRatesMember</td>
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<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;">bbva_MedicalBenefitsCommitmentsBreakdownByDetailAxis=bbva_OtherEffectsPostEmploymentCommitmentsMember</td>
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<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;">bbva_MedicalBenefitsCommitmentsAxis=ifrs-full_PlanAssetsMember</td>
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<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>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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;">bbva_MedicalBenefitsCommitmentsAxis=bbva_NetLiabilityAssetMember</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360573482176">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 25 Estimated benefit payments (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th></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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_NotLaterThanOneYearMember', window );">Not later than one year [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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">&#8364; 645<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_NotLaterThanOneYearMember', window );">Not later than one year [member] | SPAIN</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">422<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_NotLaterThanOneYearMember', window );">Not later than one year [member] | MEXICO</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">196<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_NotLaterThanOneYearMember', window );">Not later than one year [member] | TURKEY</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">28<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">514<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | SPAIN</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">278<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | MEXICO</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">207<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">Later than one year and not later than two years [member] | TURKEY</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">30<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">495<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | SPAIN</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">242<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | MEXICO</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">215<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">Later than two years and not later than three years [member] | TURKEY</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">37<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember', window );">Later than three years and not later than four years [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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">482<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember', window );">Later than three years and not later than four years [member] | SPAIN</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">210<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember', window );">Later than three years and not later than four years [member] | MEXICO</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">225<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember', window );">Later than three years and not later than four years [member] | TURKEY</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">47<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember', window );">Later than four years and not later than five years [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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">477<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember', window );">Later than four years and not later than five years [member] | SPAIN</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">181<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember', window );">Later than four years and not later than five years [member] | MEXICO</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">235<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember', window );">Later than four years and not later than five years [member] | TURKEY</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">60<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember', window );">Later than five years and not later than ten years [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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">2,645<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember', window );">Later than five years and not later than ten years [member] | SPAIN</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">618<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember', window );">Later than five years and not later than ten years [member] | MEXICO</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">1,331<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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember', window );">Later than five years and not later than ten years [member] | TURKEY</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_bbva_EstimatedBenefitPaymentsLineItems', window );"><strong>Estimated benefit payments [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_ifrs-full_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan', window );">Estimated benefit payments</a></td>
<td class="nump">&#8364; 696<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EstimatedBenefitPaymentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Estimated benefit payments</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_EstimatedBenefitPaymentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 estimate of the amounts expected to be paid from defined benefit plan in future. [Refer: Defined benefit plans [domain]; Maturity [axis]]</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 147<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_147_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan</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_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_NotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_NotLaterThanOneYearMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EstimatedBenefitPaymentsByCountryAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EstimatedBenefitPaymentsByCountryAxis=country_ES</td>
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<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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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EstimatedBenefitPaymentsByCountryAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EstimatedBenefitPaymentsByCountryAxis=country_MX</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EstimatedBenefitPaymentsByCountryAxis=country_TR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EstimatedBenefitPaymentsByCountryAxis=country_TR</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<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></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember</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>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_EstimatedBenefitPaymentsMaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526662656">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 25 Plan assets breakdown (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_PlanAssetsBreakdownAxis=bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember', window );">Cash or cash equivalents plan assets breakdown [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Assets of benefit plan</a></td>
<td class="nump">&#8364; 60<span></span>
</td>
<td class="nump">&#8364; 86<span></span>
</td>
<td class="nump">&#8364; 169<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_bbva_PlanAssetsBreakdownAxis=bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember', window );">Debt securities government bonds plan assets breakdown [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Assets of benefit plan</a></td>
<td class="nump">2,267<span></span>
</td>
<td class="nump">2,818<span></span>
</td>
<td class="nump">2,270<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_bbva_PlanAssetsBreakdownAxis=ifrs-full_InvestmentFundsMember', window );">Investment funds [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Assets of benefit plan</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PlanAssetsBreakdownAxis=sic_Z6189', window );">6189 Asset, Backed Securities [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Assets of benefit plan</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownAxis=bbva_StructuredDebtMember', window );">Structured debt [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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>
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<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_PlanAssetsBreakdownAxis=bbva_InsuranceContractsPlanAssetsBreakdownMember', window );">Insurance contracts plan assets breakdown [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Assets of benefit plan</a></td>
<td class="nump">21<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="nump">183<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownAxis=bbva_TotalPlanAssetsBreakdownMember', window );">Total plan assets breakdown [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Assets of benefit plan</a></td>
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</td>
<td class="nump">2,924<span></span>
</td>
<td class="nump">2,622<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_bbva_PlanAssetsBreakdownAxis=bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember', window );">Of which bank account in BBVA plan assets breakdown [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Assets of benefit plan</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="nump">7<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownAxis=bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember', window );">Of which debt securities issued by BBVA plan assets breakdown [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Assets of benefit plan</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownAxis=bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember', window );">Of which property occupied by BBVA plan assets breakdown [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PlanAssetsBreakdownLineItems', window );"><strong>Plan assets breakdown [Line Items]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Assets of benefit plan</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_PlanAssetsBreakdownLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Plan assets breakdown</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_PlanAssetsBreakdownLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</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>
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</table></div>
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<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 held by retirement benefit plans. [Refer: Defined benefit plans [domain]]</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 2024-01-01<br> -Paragraph 35<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AssetsOfBenefitPlan</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
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<td>instant</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PlanAssetsBreakdownAxis=bbva_CashOrCashEquivalentsPlanAssetsBreakdownMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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>
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<td><strong> Data Type:</strong></td>
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<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_bbva_PlanAssetsBreakdownAxis=bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PlanAssetsBreakdownAxis=bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember</td>
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<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>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<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;">bbva_PlanAssetsBreakdownAxis=ifrs-full_InvestmentFundsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<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;">bbva_PlanAssetsBreakdownAxis=sic_Z6189</td>
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<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;">bbva_PlanAssetsBreakdownAxis=bbva_StructuredDebtMember</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;">bbva_PlanAssetsBreakdownAxis=bbva_InsuranceContractsPlanAssetsBreakdownMember</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;">bbva_PlanAssetsBreakdownAxis=bbva_TotalPlanAssetsBreakdownMember</td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<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;">bbva_PlanAssetsBreakdownAxis=bbva_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember</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;">bbva_PlanAssetsBreakdownAxis=bbva_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember</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>
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<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;">bbva_PlanAssetsBreakdownAxis=bbva_OfWhichPropertyOccupiedByBBVAPlanAssetsBreakdownMember</td>
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<td>na</td>
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<td></td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360561936032">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 25 Investments in listed markets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
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<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_DisclosureOfFairValueOfPlanAssetsLineItems', window );"><strong>Disclosure of fair value of plan assets [line items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InvestmentInListedMarkets', window );">Investment in listed markets</a></td>
<td class="nump">&#8364; 60<span></span>
</td>
<td class="nump">&#8364; 86<span></span>
</td>
<td class="nump">&#8364; 169<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_bbva_InvestmentInListedMarketsAxis=bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember', window );">Debt securities government bonds in listed markets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems', window );"><strong>Disclosure of fair value of plan assets [line items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InvestmentInListedMarkets', window );">Investment in listed markets</a></td>
<td class="nump">2,267<span></span>
</td>
<td class="nump">2,818<span></span>
</td>
<td class="nump">2,270<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_bbva_InvestmentInListedMarketsAxis=ifrs-full_InvestmentFundsMember', window );">Investment funds [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems', window );"><strong>Disclosure of fair value of plan assets [line items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InvestmentInListedMarkets', window );">Investment in listed markets</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_InvestmentInListedMarketsAxis=bbva_TotalInvestmentsInListedMarketsMember', window );">Total investments in listed markets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems', window );"><strong>Disclosure of fair value of plan assets [line items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InvestmentInListedMarkets', window );">Investment in listed markets</a></td>
<td class="nump">2,328<span></span>
</td>
<td class="nump">2,904<span></span>
</td>
<td class="nump">2,439<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_bbva_InvestmentInListedMarketsAxis=bbva_OfWhichBankAccountInBBVAInListedMarketsMember', window );">Of which bank account in BBVA in listed markets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems', window );"><strong>Disclosure of fair value of plan assets [line items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InvestmentInListedMarkets', window );">Investment in listed markets</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="nump">7<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_bbva_InvestmentInListedMarketsAxis=bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember', window );">Of which debt securities issued by BBVA in listed markets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems', window );"><strong>Disclosure of fair value of plan assets [line items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InvestmentInListedMarkets', window );">Investment in listed markets</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InvestmentInListedMarketsAxis=bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember', window );">Of which property occupied by BBVA in listed markets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems', window );"><strong>Disclosure of fair value of plan assets [line items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InvestmentInListedMarkets', window );">Investment in listed markets</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>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InvestmentInListedMarkets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Investment in listed markets</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_InvestmentInListedMarkets</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_DisclosureOfFairValueOfPlanAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of 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;">ifrs-full_DisclosureOfFairValueOfPlanAssetsLineItems</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_bbva_InvestmentInListedMarketsAxis=bbva_CashOrCashEquivalentsInListedMarketsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InvestmentInListedMarketsAxis=bbva_CashOrCashEquivalentsInListedMarketsMember</td>
</tr>
<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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<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_bbva_InvestmentInListedMarketsAxis=bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InvestmentInListedMarketsAxis=bbva_DebtSecuritiesGovernmentBondsInListedMarketsMember</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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></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_bbva_InvestmentInListedMarketsAxis=ifrs-full_InvestmentFundsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InvestmentInListedMarketsAxis=ifrs-full_InvestmentFundsMember</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></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InvestmentInListedMarketsAxis=bbva_TotalInvestmentsInListedMarketsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InvestmentInListedMarketsAxis=bbva_TotalInvestmentsInListedMarketsMember</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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<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;">bbva_InvestmentInListedMarketsAxis=bbva_OfWhichBankAccountInBBVAInListedMarketsMember</td>
</tr>
<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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<td><strong> Period Type:</strong></td>
<td></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;">bbva_InvestmentInListedMarketsAxis=bbva_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InvestmentInListedMarketsAxis=bbva_OfWhichPropertyOccupiedByBBVAInListedMarketsMember</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>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360732785120">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 28 Retained Earnings And Other Reserves (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_DisclosureOfRetainedEarningsAndOtherReservesLineItems', window );"><strong>Disclosure of Retained earnings and other reserves [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_StatutoryReserve', window );">Statutory reserve</a></td>
<td class="nump">&#8364; 565<span></span>
</td>
<td class="nump">&#8364; 572<span></span>
</td>
<td colspan="2" class="nump">&#8364; 591<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_RestrictedReserves', window );">Restricted reserves</a></td>
<td class="nump">582<span></span>
</td>
<td class="nump">561<span></span>
</td>
<td colspan="2" class="nump">482<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_VoluntaryReserves', window );">Voluntary reserves</a></td>
<td class="nump">6,470<span></span>
</td>
<td class="nump">5,478<span></span>
</td>
<td colspan="2" class="nump">3,906<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_TotalReservesHoldingCompany', window );">Total reserves holding company</a></td>
<td class="nump">7,616<span></span>
</td>
<td class="nump">6,612<span></span>
</td>
<td colspan="2" class="nump">4,979<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_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies', window );">Consolidation reserves attributed to the bank and subsidiary consolidated companies</a></td>
<td class="nump">34,891<span></span>
</td>
<td class="nump">31,639<span></span>
</td>
<td colspan="2" class="nump">30,077<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_TotalRetainedEarningsRevaluationReservesAndOtherReserves', window );">Total retained earnings revaluation reserves and other reserves</a></td>
<td class="nump">&#8364; 42,507<span></span>
</td>
<td class="nump">&#8364; 38,251<span></span>
</td>
<td colspan="2" class="nump">&#8364; 35,056<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Consolidation reserves attributed to the bank and subsidiary consolidated companies</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_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies</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_DisclosureOfRetainedEarningsAndOtherReservesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Retained earnings and other reserves</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_DisclosureOfRetainedEarningsAndOtherReservesLineItems</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_RestrictedReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Restricted reserves</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_RestrictedReserves</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_TotalReservesHoldingCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 reserves holding company</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_TotalReservesHoldingCompany</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_TotalRetainedEarningsRevaluationReservesAndOtherReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 retained earnings revaluation reserves and other reserves</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_TotalRetainedEarningsRevaluationReservesAndOtherReserves</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_VoluntaryReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Voluntary reserves</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_VoluntaryReserves</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_StatutoryReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 created based on legal requirements.</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_StatutoryReserve</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>244
<FILENAME>R225.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572894368">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 28 Restricted reserves breakdown by concepts (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_RestrictedReservesBreakdownByConceptsLineItems', window );"><strong>Restricted reserves breakdown by concepts [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_RestrictedReserveForRetiredCapital', window );">Restricted reserve for retired capital</a></td>
<td class="nump">&#8364; 531<span></span>
</td>
<td class="nump">&#8364; 495<span></span>
</td>
<td class="nump">&#8364; 400<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_RestrictedReserveForParentCompanySharesAndLoansForThoseShares', window );">Restricted reserve for parent company shares and loans for those shares</a></td>
<td class="nump">49<span></span>
</td>
<td class="nump">65<span></span>
</td>
<td class="nump">80<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_RestrictedReserveForRedenominationOfCapitalInEuros', window );">Restricted reserve for redenomination of capital in euros</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">2<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_TotalRestrictedReserves', window );">Total restricted reserves</a></td>
<td class="nump">&#8364; 582<span></span>
</td>
<td class="nump">&#8364; 561<span></span>
</td>
<td class="nump">&#8364; 482<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RestrictedReserveForParentCompanySharesAndLoansForThoseShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Restricted reserve for parent company shares and loans for those 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_RestrictedReserveForParentCompanySharesAndLoansForThoseShares</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_RestrictedReserveForRedenominationOfCapitalInEuros">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Restricted reserve for redenomination of capital in euros</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_RestrictedReserveForRedenominationOfCapitalInEuros</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_RestrictedReserveForRetiredCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Restricted reserve for retired 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_RestrictedReserveForRetiredCapital</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_RestrictedReservesBreakdownByConceptsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Restricted reserves breakdown by concepts</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_RestrictedReservesBreakdownByConceptsLineItems</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_TotalRestrictedReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 restricted reserves</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_TotalRestrictedReserves</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>245
<FILENAME>R226.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360573112640">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 28 Retained earnings, revaluation reserves and other reserves breakdown by company or corporate group (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 42,734<span></span>
</td>
<td class="nump">&#8364; 38,488<span></span>
</td>
<td colspan="2" class="nump">&#8364; 35,277<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_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">(227)<span></span>
</td>
<td class="num">(237)<span></span>
</td>
<td colspan="2" class="num">(221)<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_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany', window );">Total retained earnings revaluation reserves and other reserves breakdown by company</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">42,507<span></span>
</td>
<td class="nump">38,251<span></span>
</td>
<td colspan="2" class="nump">35,057<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_HoldingCompanyMember', window );">Holding company [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">18,157<span></span>
</td>
<td class="nump">15,672<span></span>
</td>
<td colspan="2" class="nump">14,003<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAMexicoGroupMember', window );">BBVA Bancomer group [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">17,209<span></span>
</td>
<td class="nump">15,705<span></span>
</td>
<td colspan="2" class="nump">14,042<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_GarantiBBVAGroupMember', window );">Garanti BBVA group [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,065<span></span>
</td>
<td class="nump">5,857<span></span>
</td>
<td colspan="2" class="nump">5,703<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVABancoProvincialGroupMember', window );">BBVA Banco Provincial group [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,774<span></span>
</td>
<td class="nump">1,758<span></span>
</td>
<td colspan="2" class="nump">1,720<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAArgentineGroupMember', window );">BBVA Argentine group [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,315<span></span>
</td>
<td class="nump">1,474<span></span>
</td>
<td colspan="2" class="nump">1,456<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAColombiaGroupMember', window );">BBVA Colombia group [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,639<span></span>
</td>
<td class="nump">1,573<span></span>
</td>
<td colspan="2" class="nump">1,489<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAPeruGroupMember', window );">BBVA Peru group [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,245<span></span>
</td>
<td class="nump">1,158<span></span>
</td>
<td colspan="2" class="nump">1,065<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_ForumChileGroupMember', window );">Forum Chile Group</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">663<span></span>
</td>
<td class="nump">652<span></span>
</td>
<td colspan="2" class="nump">632<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAUruguayGroupMember', window );">BBVA Uruguay Group [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">166<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td colspan="2" class="nump">118<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAmericaSLMember', window );">BBV America SL [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">469<span></span>
</td>
<td class="nump">374<span></span>
</td>
<td colspan="2" class="nump">299<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_CorporacionGeneralFinancieraSAMember', window );">Corporacion General Financiera SA [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">410<span></span>
</td>
<td class="nump">368<span></span>
</td>
<td colspan="2" class="nump">338<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVASegurosSAMember', window );">BBVA Seguros SA [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(16)<span></span>
</td>
<td class="nump">306<span></span>
</td>
<td colspan="2" class="nump">284<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BilbaoVizcayaHoldingSAMember', window );">Bilbao Vizcaya Holding SA [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">205<span></span>
</td>
<td class="nump">198<span></span>
</td>
<td colspan="2" class="nump">144<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVATecnologyAmericaS.A.Member', window );">BBVA Tecnology Am&#233;rica S.A.</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">92<span></span>
</td>
<td class="nump">87<span></span>
</td>
<td colspan="2" class="nump">85<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_PecriInversionSLMember', window );">Pecri Inversion SL [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td colspan="2" class="nump">119<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_AnidaOperacionesSingularesSAMember', window );">Anida Operaciones Singulares SA [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(5,524)<span></span>
</td>
<td class="num">(5,497)<span></span>
</td>
<td colspan="2" class="num">(5,529)<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_OtherRealStateSpanishCompaniesMember', window );">Other Real State Spanish Companies</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(1,152)<span></span>
</td>
<td class="num">(1,164)<span></span>
</td>
<td colspan="2" class="num">(909)<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember', window );">Other retained earnings losses and revaluation reserves [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves', window );">Subtotal retained earnings or losses and revaluation reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">28<span></span>
</td>
<td class="num">(155)<span></span>
</td>
<td colspan="2" class="nump">217<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_ATOMBankPLCMember', window );">ATOM Bank PLC [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_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">(169)<span></span>
</td>
<td class="num">(181)<span></span>
</td>
<td colspan="2" class="num">(169)<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_MetrovacesaSAMember', window );">Metrovacesa SA [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#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_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">(84)<span></span>
</td>
<td class="num">(84)<span></span>
</td>
<td colspan="2" class="num">(84)<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember', window );">Other reserves or accumulated losses of investments in joint ventures and associates [Member]</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 colspan="2" 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_bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems', window );"><strong>Retained earnings breakdown by company or corporate group [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 colspan="2" class="text">&#160;<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_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="nump">&#8364; 26<span></span>
</td>
<td class="nump">&#8364; 28<span></span>
</td>
<td colspan="2" class="nump">&#8364; 32<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Includes balances corresponding to Sociedades inmobiliarias CX, Anida Grupo Inmobiliario and Sociedades inmobiliarias Unnim.</span></div></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_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_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Retained earnings breakdown by company or corporate group</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_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems</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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subtotal retained earnings or losses and revaluation reserves</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_SubtotalRetainedEarningsOrLossesAndRevaluationReserves</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 retained earnings revaluation reserves and other reserves breakdown by company</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_TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany</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_ListOfGroupAndSubsidiariesAxis=bbva_HoldingCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_HoldingCompanyMember</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></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAMexicoGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAMexicoGroupMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_GarantiBBVAGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_GarantiBBVAGroupMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVABancoProvincialGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVABancoProvincialGroupMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAArgentineGroupMember">
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<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAArgentineGroupMember</td>
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<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>
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<td></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAColombiaGroupMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAColombiaGroupMember</td>
</tr>
<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>
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<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAPeruGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAPeruGroupMember</td>
</tr>
<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>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_ForumChileGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_ForumChileGroupMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAUruguayGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAUruguayGroupMember</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>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAmericaSLMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVAmericaSLMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_CorporacionGeneralFinancieraSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
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<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVASegurosSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVASegurosSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BilbaoVizcayaHoldingSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BilbaoVizcayaHoldingSAMember</td>
</tr>
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<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>
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<tr>
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<td></td>
</tr>
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<td><strong> Period Type:</strong></td>
<td></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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVATecnologyAmericaS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_BBVATecnologyAmericaS.A.Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_PecriInversionSLMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_PecriInversionSLMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_AnidaOperacionesSingularesSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_AnidaOperacionesSingularesSAMember</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>
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<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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_OtherRealStateSpanishCompaniesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_OtherRealStateSpanishCompaniesMember</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>
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<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></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_bbva_ListOfGroupAndSubsidiariesAxis=bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_ATOMBankPLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_ATOMBankPLCMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_MetrovacesaSAMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_MetrovacesaSAMember</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ListOfGroupAndSubsidiariesAxis=bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember">
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<td style="white-space:nowrap;">bbva_ListOfGroupAndSubsidiariesAxis=bbva_OtherReservesOrAccumulatedLossesOfInvestmentsInJointVenturesAndAssociatesMember</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>
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<td></td>
</tr>
<tr>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>246
<FILENAME>R227.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572980912">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 29 Treasury shares (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_ComponentsOfEquityTreasuryStockLineItems', window );"><strong>Components of equity treasury stock [Line Items]</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="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="nump">&#8364; 34,000,000<span></span>
</td>
<td class="nump">&#8364; 29,000,000<span></span>
</td>
<td class="nump">&#8364; 647,000,000<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_NumberOfTreasuryShares', window );">Number of treasury shares</a></td>
<td class="nump">4,386,625<span></span>
</td>
<td class="nump">5,485,414<span></span>
</td>
<td class="nump">127,633,399<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_AveragePurchasesInEuros', window );">Average purchases in euros</a></td>
<td class="nump">&#8364; 9.89<span></span>
</td>
<td class="nump">&#8364; 7.18<span></span>
</td>
<td class="nump">&#8364; 4.96<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_AverageSellingPriceInEuros', window );">Average selling price in Euros</a></td>
<td class="nump">9.89<span></span>
</td>
<td class="nump">7.14<span></span>
</td>
<td class="nump">4.99<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_NetGainsOrLossesOnTransactions', window );">Net gains or losses on transactions</a></td>
<td class="nump">10,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">9,000,000<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_TreasuryShares', window );">Treasury shares</a></td>
<td class="nump">&#8364; 66,000,000<span></span>
</td>
<td class="nump">&#8364; 34,000,000<span></span>
</td>
<td class="nump">&#8364; 29,000,000<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_NumberOfTreasuryShares', window );">Number of treasury shares</a></td>
<td class="nump">6,666,856<span></span>
</td>
<td class="nump">4,386,625<span></span>
</td>
<td class="nump">5,485,414<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_TreasurySharesChangesOverTheYearLineItems', window );"><strong>Treasury shares changes over the year [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NumberOfPurchasesOfTreasuryShares', window );">Number of purchases of treasury shares</a></td>
<td class="nump">&#8364; 154,564,499<span></span>
</td>
<td class="nump">&#8364; 301,882,728<span></span>
</td>
<td class="nump">&#8364; 598,457,024<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_PurchasesOfTreasurySharesInMillionsOfEuros', window );">Purchases of treasury shares in millions of euros</a></td>
<td class="nump">1,528,000,000<span></span>
</td>
<td class="nump">2,166,000,000<span></span>
</td>
<td class="nump">2,966,000,000<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_NumberOfSalesAndOtherChangesInTreasuryShares', window );">Number of sales and other changes in treasury shares</a></td>
<td class="num">(152,284,268)<span></span>
</td>
<td class="num">(302,981,517)<span></span>
</td>
<td class="num">(720,605,009)<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_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros', window );">Sale or issue of treasury shares</a></td>
<td class="num">(1,497,000,000)<span></span>
</td>
<td class="num">(2,161,000,000)<span></span>
</td>
<td class="num">(3,583,000,000)<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_bbva_AmountInMillionsOfEurosAxis=bbva_MillionsOfEurosMember', window );">Millions of euros [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ComponentsOfEquityTreasuryStockLineItems', window );"><strong>Components of equity treasury stock [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AveragePurchasesInEuros', window );">Average purchases in euros</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_AverageSellingPriceInEuros', window );">Average selling price in Euros</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TreasurySharesByEntitiesAxis=bbva_HeldByBBVAMember', window );">Held by BBVA [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ComponentsOfEquityTreasuryStockLineItems', window );"><strong>Components of equity treasury stock [Line Items]</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="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="nump">&#8364; 3,000,000<span></span>
</td>
<td class="nump">&#8364; 3,000,000<span></span>
</td>
<td class="text">&#160;<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_NumberOfTreasuryShares', window );">Number of treasury shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_TreasuryShares', window );">Treasury shares</a></td>
<td class="nump">&#8364; 7,000,000<span></span>
</td>
<td class="nump">&#8364; 3,000,000<span></span>
</td>
<td class="nump">&#8364; 3,000,000<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_NumberOfTreasuryShares', window );">Number of treasury shares</a></td>
<td class="nump">410,370<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_TreasurySharesByEntitiesAxis=bbva_HeldByCorporacionGeneralFinancieraSAMember', window );">Held by Corporaci&#243;n General Financiera S.A. [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ComponentsOfEquityTreasuryStockLineItems', window );"><strong>Components of equity treasury stock [Line Items]</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="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="nump">&#8364; 31,000,000<span></span>
</td>
<td class="nump">&#8364; 26,000,000<span></span>
</td>
<td class="text">&#160;<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_NumberOfTreasuryShares', window );">Number of treasury shares</a></td>
<td class="nump">4,354,004<span></span>
</td>
<td class="nump">5,454,516<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_TreasuryShares', window );">Treasury shares</a></td>
<td class="nump">&#8364; 59,000,000<span></span>
</td>
<td class="nump">&#8364; 31,000,000<span></span>
</td>
<td class="nump">&#8364; 26,000,000<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_NumberOfTreasuryShares', window );">Number of treasury shares</a></td>
<td class="nump">6,256,486<span></span>
</td>
<td class="nump">4,354,004<span></span>
</td>
<td class="nump">5,454,516<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_bbva_TreasurySharesByEntitiesAxis=bbva_HeldByOtherSubsidiariesMember', window );">Held by other subsidiaries [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ComponentsOfEquityTreasuryStockLineItems', window );"><strong>Components of equity treasury stock [Line Items]</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="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="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<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_NumberOfTreasuryShares', window );">Number of treasury shares</a></td>
<td class="nump">32,621<span></span>
</td>
<td class="nump">30,898<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_TreasuryShares', window );">Treasury shares</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>
</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_NumberOfTreasuryShares', window );">Number of treasury shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">32,621<span></span>
</td>
<td class="nump">30,898<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AveragePurchasesInEuros">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Average purchases in euros</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_AveragePurchasesInEuros</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_AverageSellingPriceInEuros">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Average selling price in Euros</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_AverageSellingPriceInEuros</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_ComponentsOfEquityTreasuryStockLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 equity treasury stock</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_ComponentsOfEquityTreasuryStockLineItems</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_NetGainsOrLossesOnTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 gains or losses on transactions</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_NetGainsOrLossesOnTransactions</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_NumberOfPurchasesOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of purchases of treasury 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_NumberOfPurchasesOfTreasuryShares</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_NumberOfSalesAndOtherChangesInTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of sales and other changes in treasury 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_NumberOfSalesAndOtherChangesInTreasuryShares</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_NumberOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of treasury 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_NumberOfTreasuryShares</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: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_bbva_PurchasesOfTreasurySharesInMillionsOfEuros">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Purchases of treasury shares in millions of euros</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_PurchasesOfTreasurySharesInMillionsOfEuros</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_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sales and other changes in treasury shares in millions of euros</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_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros</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_TreasurySharesChangesOverTheYearLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury shares changes over the year</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_TreasurySharesChangesOverTheYearLineItems</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_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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2024-01-01<br> -Paragraph 34<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_34&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountInMillionsOfEurosAxis=bbva_MillionsOfEurosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountInMillionsOfEurosAxis=bbva_MillionsOfEurosMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TreasurySharesByEntitiesAxis=bbva_HeldByBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TreasurySharesByEntitiesAxis=bbva_HeldByBBVAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TreasurySharesByEntitiesAxis=bbva_HeldByCorporacionGeneralFinancieraSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TreasurySharesByEntitiesAxis=bbva_HeldByCorporacionGeneralFinancieraSAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TreasurySharesByEntitiesAxis=bbva_HeldByOtherSubsidiariesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TreasurySharesByEntitiesAxis=bbva_HeldByOtherSubsidiariesMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>247
<FILENAME>R228.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571088720">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 29 Treasury Stock (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_RangesTreasuryStockAxis=ifrs-full_BottomOfRangeMember', window );">Bottom of range [member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TreasuryStockLineItems', window );"><strong>Treasury stock [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PercentageTreasuryStock', window );">Percentage treasury stock</a></td>
<td class="nump">0.076%<span></span>
</td>
<td class="nump">0.038%<span></span>
</td>
<td class="nump">0.078%<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_bbva_RangesTreasuryStockAxis=ifrs-full_TopOfRangeMember', window );">Top of range [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TreasuryStockLineItems', window );"><strong>Treasury stock [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PercentageTreasuryStock', window );">Percentage treasury stock</a></td>
<td class="nump">1.513%<span></span>
</td>
<td class="nump">2.214%<span></span>
</td>
<td class="nump">7.492%<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_bbva_RangesTreasuryStockAxis=bbva_ClosingRangeMember', window );">Closing range [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TreasuryStockLineItems', window );"><strong>Treasury stock [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PercentageTreasuryStock', window );">Percentage treasury stock</a></td>
<td class="nump">0.116%<span></span>
</td>
<td class="nump">0.075%<span></span>
</td>
<td class="nump">0.094%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PercentageTreasuryStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage treasury stock</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_PercentageTreasuryStock</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>dtr-types1:percentItemType</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_bbva_TreasuryStockLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury stock</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_TreasuryStockLineItems</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_RangesTreasuryStockAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RangesTreasuryStockAxis=ifrs-full_BottomOfRangeMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RangesTreasuryStockAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RangesTreasuryStockAxis=ifrs-full_TopOfRangeMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RangesTreasuryStockAxis=bbva_ClosingRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RangesTreasuryStockAxis=bbva_ClosingRangeMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>248
<FILENAME>R229.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360536866576">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 29 Shares of BBVA accepted in pledge (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_SharesOfBBVAAcceptedInPledgeLineItems', window );"><strong>Shares of BBVA accepted in pledge [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NumberOfSharesInPledge', window );">Number of shares in pledge</a></td>
<td class="nump">13,308,677,000,000<span></span>
</td>
<td class="nump">17,492,194,000,000<span></span>
</td>
<td class="nump">23,437,363,000,000<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_NominalValueOfSharesOfBBVAAcceptedInPledge', window );">Nominal value of shares of BBVA accepted in pledge</a></td>
<td class="nump">&#8364; 490,000<span></span>
</td>
<td class="nump">&#8364; 490,000<span></span>
</td>
<td class="nump">&#8364; 490,000<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_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge', window );">Percentage of share capital of shares of BBVA accepted in pledge</a></td>
<td class="nump">0.23%<span></span>
</td>
<td class="nump">0.29%<span></span>
</td>
<td class="nump">0.39%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NominalValueOfSharesOfBBVAAcceptedInPledge">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Nominal value of shares of BBVA accepted in pledge</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_NominalValueOfSharesOfBBVAAcceptedInPledge</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_NumberOfSharesInPledge">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares in pledge</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_NumberOfSharesInPledge</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:sharesItemType</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_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of share capital of shares of BBVA accepted in pledge</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_PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge</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>dtr-types1:percentItemType</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_SharesOfBBVAAcceptedInPledgeLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shares of BBVA accepted in pledge</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_SharesOfBBVAAcceptedInPledgeLineItems</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>249
<FILENAME>R230.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360565045296">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 29 Shares of BBVA owned by third parties but managed by the Group (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems', window );"><strong>Shares of BBVA owned by third parties but managed by the group [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NumberOfSharesOwnedByThirdParties', window );">Number of shares owned by third parties</a></td>
<td class="nump">11,834,596,000,000<span></span>
</td>
<td class="nump">13,258,994,000,000<span></span>
</td>
<td class="nump">18,686,027,000,000<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_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup', window );">Nominal value of shares of BBVA owned by third parties but managed by the group</a></td>
<td class="nump">&#8364; 490,000<span></span>
</td>
<td class="nump">&#8364; 490,000<span></span>
</td>
<td class="nump">&#8364; 490,000<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_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup', window );">Percentage of share capital of shares of BBVA owned by third parties but managed by the group</a></td>
<td class="nump">0.21%<span></span>
</td>
<td class="nump">0.23%<span></span>
</td>
<td class="nump">0.31%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Nominal value of shares of BBVA owned by third parties but managed by the group</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_NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup</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_NumberOfSharesOwnedByThirdParties">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares owned by third parties</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_NumberOfSharesOwnedByThirdParties</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:sharesItemType</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_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of share capital of shares of BBVA owned by third parties but managed by the group</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_PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup</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>dtr-types1:percentItemType</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_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shares of BBVA owned by third parties but managed by the group</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_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems</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>
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</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>250
<FILENAME>R231.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535746736">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 30 Accumulated Other Comprehensive Income Classified By Concepts (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><sup>[2]</sup></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_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems', window );"><strong>Accumulated other comprehensive income classified by concepts [Line Items]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_ItemsThatWillNotBeReclassifiedToProfitOrLoss', window );">Other comprehensive income that will not be reclassified to profit or loss, net of tax</a></td>
<td class="num">&#8364; (1,988)<span></span>
</td>
<td class="num">&#8364; (2,105)<span></span>
</td>
<td class="num">&#8364; (1,881)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss', window );">Actuarial gains or losses on defined benefit pension plans that will not be reclassified to profit or loss</a></td>
<td class="num">(1,067)<span></span>
</td>
<td class="num">(1,049)<span></span>
</td>
<td class="num">(760)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_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="num">(905)<span></span>
</td>
<td class="num">(1,112)<span></span>
</td>
<td class="num">(1,194)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td colspan="2" class="num">&#8364; (1,079)<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_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="num">(17)<span></span>
</td>
<td class="nump">55<span></span>
</td>
<td class="nump">72<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_ItemsThatMayBeReclassifiedToProfitOrLoss', window );">Other comprehensive income that will be reclassified to profit or loss, net of tax</a></td>
<td class="num">(15,232)<span></span>
</td>
<td class="num">(14,148)<span></span>
</td>
<td class="num">(15,760)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="num">(2,329)<span></span>
</td>
<td class="num">(2,498)<span></span>
</td>
<td class="num">(1,408)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="num">(12,702)<span></span>
</td>
<td class="num">(11,419)<span></span>
</td>
<td class="num">(13,078)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_HedgingDerivativesCashFlowHedgesEffectivePortion', window );">Hedging derivatives. Cash flow hedges effective portion</a></td>
<td class="nump">370<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="num">(447)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss', window );">Fair value changes of debt instruments measured at fair value through other comprehensive income that may be reclassified to profit or loss</a></td>
<td class="num">(576)<span></span>
</td>
<td class="num">(357)<span></span>
</td>
<td class="num">(809)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td colspan="2" class="nump">&#8364; 1,274<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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss', window );">Share of other recognized income and expense of investments in joint ventures and associates that may be reclassified to profit or loss</a></td>
<td class="nump">5<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="num">(18)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_AccumulatedOtherComprehensiveIncome', window );">Accumulated other comprehensive income</a></td>
<td class="num">(17,220)<span></span>
</td>
<td class="num">(16,254)<span></span>
</td>
<td class="num">(17,642)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_srt_CurrencyAxis=currency_MXN', window );">Mexico, Pesos</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems', window );"><strong>Accumulated other comprehensive income classified by concepts [Line Items]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="num">(2,697)<span></span>
</td>
<td class="num">(3,147)<span></span>
</td>
<td class="num">(1,751)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="num">(3,644)<span></span>
</td>
<td class="num">(640)<span></span>
</td>
<td class="num">(2,791)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_srt_CurrencyAxis=currency_TRY', window );">Turkey, New Lira</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems', window );"><strong>Accumulated other comprehensive income classified by concepts [Line Items]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="nump">394<span></span>
</td>
<td class="nump">670<span></span>
</td>
<td class="nump">358<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="num">(5,835)<span></span>
</td>
<td class="num">(6,908)<span></span>
</td>
<td class="num">(6,599)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_srt_CurrencyAxis=currency_ARS', window );">Argentina, Pesos</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems', window );"><strong>Accumulated other comprehensive income classified by concepts [Line Items]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="num">(555)<span></span>
</td>
<td class="num">(1,296)<span></span>
</td>
<td class="num">(868)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_srt_CurrencyAxis=bbva_VenezuelaBolivarMember', window );">Venezuela bolivar [Member]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems', window );"><strong>Accumulated other comprehensive income classified by concepts [Line Items]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="num">(1,865)<span></span>
</td>
<td class="num">(1,865)<span></span>
</td>
<td class="num">(1,850)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_srt_CurrencyAxis=bbva_OtherExchangesMember', window );">Other exchanges [Member]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" 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_bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems', window );"><strong>Accumulated other comprehensive income classified by concepts [Line Items]</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="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="num">(25)<span></span>
</td>
<td class="num">(21)<span></span>
</td>
<td class="num">(15)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss', window );">Foreign currency translation</a></td>
<td class="num">&#8364; (803)<span></span>
</td>
<td class="num">&#8364; (711)<span></span>
</td>
<td class="num">&#8364; (969)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="7"></td></tr>
<tr><td colspan="7"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></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_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 classified by concepts</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_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems</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_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss</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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 debt instruments measured at fair value through other comprehensive income 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_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss</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_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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss</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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss</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_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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 recognized income and expense of investments in joint ventures and associates 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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss</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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_srt_CurrencyAxis=currency_MXN">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_CurrencyAxis=currency_MXN</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_TRY">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_CurrencyAxis=currency_TRY</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_ARS">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_CurrencyAxis=currency_ARS</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=bbva_VenezuelaBolivarMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_CurrencyAxis=bbva_VenezuelaBolivarMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=bbva_OtherExchangesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">srt_CurrencyAxis=bbva_OtherExchangesMember</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>
</div>
</body>
</html>
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<TYPE>XML
<SEQUENCE>251
<FILENAME>R232.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360573459152">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 31 Non Controlling Interest Classified By Concept (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="nump">&#8364; 4,359<span></span>
</td>
<td class="nump">&#8364; 3,564<span></span>
</td>
<td colspan="2" class="nump">&#8364; 3,623<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_bbva_MinorityInterestAxis=bbva_BBVAGarantiMember', window );">BBVA Garanti [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="nump">1,351<span></span>
</td>
<td class="nump">1,129<span></span>
</td>
<td colspan="2" class="nump">1,179<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_bbva_MinorityInterestAxis=bbva_PeruBBVAMember', window );">Peru BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="nump">1,779<span></span>
</td>
<td class="nump">1,586<span></span>
</td>
<td colspan="2" class="nump">1,469<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_bbva_MinorityInterestAxis=bbva_ArgentinaBBVAMember', window );">Argentina BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="nump">843<span></span>
</td>
<td class="nump">544<span></span>
</td>
<td colspan="2" class="nump">687<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_bbva_MinorityInterestAxis=bbva_ColombiaBBVAMember', window );">Colombia BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="nump">60<span></span>
</td>
<td class="nump">82<span></span>
</td>
<td colspan="2" class="nump">73<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_bbva_MinorityInterestAxis=bbva_VenezuelaBBVAMember', window );">Venezuela BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="nump">134<span></span>
</td>
<td class="nump">108<span></span>
</td>
<td colspan="2" class="nump">95<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_bbva_MinorityInterestAxis=bbva_OtherEntitiesBBVAMember', window );">Other entities BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="nump">&#8364; 191<span></span>
</td>
<td class="nump">&#8364; 115<span></span>
</td>
<td colspan="2" class="nump">&#8364; 119<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_MinorityInterestsNonControllingInterestsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Minority interests (non-controlling interests)</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_MinorityInterestsNonControllingInterestsLineItems</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_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: Total for all 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 10<br> -IssueDate 2024-01-01<br> -Paragraph 22<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=10&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_22&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph 12<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_12_f&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph q<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_q&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_MinorityInterestAxis=bbva_BBVAGarantiMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_BBVAGarantiMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_PeruBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_PeruBBVAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_ArgentinaBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_ArgentinaBBVAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_ColombiaBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_ColombiaBBVAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_VenezuelaBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_VenezuelaBBVAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_OtherEntitiesBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_OtherEntitiesBBVAMember</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>
</div>
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<FILENAME>R233.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360515176080">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 31 Profit Attributable to Non Controlling Interests (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_ProfitLossAttributableToNoncontrollingInterests', window );">Profit (loss), attributable to non-controlling interests</a></td>
<td class="num">&#8364; (521)<span></span>
</td>
<td class="num">&#8364; (397)<span></span>
</td>
<td colspan="2" class="num">&#8364; (405)<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_bbva_MinorityInterestAxis=bbva_BBVAGarantiMember', window );">BBVA Garanti [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_ProfitLossAttributableToNoncontrollingInterests', window );">Profit (loss), attributable to non-controlling interests</a></td>
<td class="nump">116<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td colspan="2" class="nump">28<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_bbva_MinorityInterestAxis=bbva_PeruBBVAMember', window );">Peru BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_ProfitLossAttributableToNoncontrollingInterests', window );">Profit (loss), attributable to non-controlling interests</a></td>
<td class="nump">260<span></span>
</td>
<td class="nump">236<span></span>
</td>
<td colspan="2" class="nump">236<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_bbva_MinorityInterestAxis=bbva_ArgentinaBBVAMember', window );">Argentina BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_ProfitLossAttributableToNoncontrollingInterests', window );">Profit (loss), attributable to non-controlling interests</a></td>
<td class="nump">105<span></span>
</td>
<td class="nump">59<span></span>
</td>
<td colspan="2" class="nump">83<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_bbva_MinorityInterestAxis=bbva_ColombiaBBVAMember', window );">Colombia BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_ProfitLossAttributableToNoncontrollingInterests', window );">Profit (loss), attributable to non-controlling interests</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td colspan="2" class="nump">5<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_bbva_MinorityInterestAxis=bbva_VenezuelaBBVAMember', window );">Venezuela BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_ProfitLossAttributableToNoncontrollingInterests', window );">Profit (loss), attributable to non-controlling interests</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td colspan="2" class="nump">22<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_bbva_MinorityInterestAxis=bbva_OtherEntitiesBBVAMember', window );">Other entities BBVA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_MinorityInterestsNonControllingInterestsLineItems', window );"><strong>Minority interests (non-controlling interests) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_ProfitLossAttributableToNoncontrollingInterests', window );">Profit (loss), attributable to non-controlling interests</a></td>
<td class="nump">&#8364; 9<span></span>
</td>
<td class="num">&#8364; (1)<span></span>
</td>
<td colspan="2" class="nump">&#8364; 32<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3 ).</span></div></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_MinorityInterestsNonControllingInterestsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Minority interests (non-controlling interests)</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_MinorityInterestsNonControllingInterestsLineItems</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_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 2024-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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_bbva_MinorityInterestAxis=bbva_BBVAGarantiMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_BBVAGarantiMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_PeruBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_PeruBBVAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_ArgentinaBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_ArgentinaBBVAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_ColombiaBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_ColombiaBBVAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_VenezuelaBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_VenezuelaBBVAMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MinorityInterestAxis=bbva_OtherEntitiesBBVAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_MinorityInterestAxis=bbva_OtherEntitiesBBVAMember</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537861024">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 32 Eligible capital resources (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</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_EligibleCapitalResourcesLineItems', window );"><strong>Eligible capital resources [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>
<td class="fn" style="border-bottom: 0px;"></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_IssuedCapital', window );">Issued capital</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 2,824<span></span>
</td>
<td class="nump">&#8364; 2,861<span></span>
</td>
<td class="nump">&#8364; 2,955<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_SharePremium', window );">Share premium</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,184<span></span>
</td>
<td class="nump">19,769<span></span>
</td>
<td class="nump">20,856<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#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_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources', window );">Retained earnings revaluation reserves and other reserves eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">42,507<span></span>
</td>
<td class="nump">38,251<span></span>
</td>
<td class="nump">35,056<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherEquityInterest', window );">Other equity interest</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">40<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td class="nump">63<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_TreasuryShares', window );">Treasury shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(66)<span></span>
</td>
<td class="num">(34)<span></span>
</td>
<td class="num">(29)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">&#8364; (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_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">10,054<span></span>
</td>
<td class="nump">8,019<span></span>
</td>
<td class="nump">6,358<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#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_InterimDividends', window );">Interim dividends</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,668)<span></span>
</td>
<td class="num">(951)<span></span>
</td>
<td class="num">(722)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_ShareholdersFundsEligibleCapitalResources', window );">Shareholders funds eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">72,875<span></span>
</td>
<td class="nump">67,955<span></span>
</td>
<td class="nump">64,535<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_AccumulatedOtherComprehensiveIncome', window );">Accumulated other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(17,220)<span></span>
</td>
<td class="num">(16,254)<span></span>
</td>
<td class="num">(17,642)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></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_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,359<span></span>
</td>
<td class="nump">3,564<span></span>
</td>
<td class="nump">3,623<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_Equity', window );">Adjusted initial balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">60,014<span></span>
</td>
<td class="nump">55,265<span></span>
</td>
<td class="nump">50,517<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 48,748<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_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources', window );">Goodwill and other intangible assets eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,553)<span></span>
</td>
<td class="num">(1,421)<span></span>
</td>
<td class="num">(1,395)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#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_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources', window );">Differences from solvency and accounting perimeter eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(185)<span></span>
</td>
<td class="num">(137)<span></span>
</td>
<td class="num">(123)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources', window );">Equity not eligible at solvency level eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(185)<span></span>
</td>
<td class="num">(137)<span></span>
</td>
<td class="num">(123)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#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_OtherAdjustmentsAndDeductionsEligibleCapitalResources', window );">Other adjustments and deductions eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">(7,476)<span></span>
</td>
<td class="num">(7,591)<span></span>
</td>
<td class="num">(6,262)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_CommonEquityTier1CET1EligibleCapitalResources', window );">Common equity tier 1 CET 1 eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">50,799<span></span>
</td>
<td class="nump">46,116<span></span>
</td>
<td class="nump">42,738<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#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_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources', window );">Additional tier 1 before regulatory adjustments eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,023<span></span>
</td>
<td class="nump">6,033<span></span>
</td>
<td class="nump">5,193<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources', window );">Total regulatory adjustments to additional tier 1 eligible capital resources</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>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#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_Tier1EligibleCapitalResources', window );">Tier 1 eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">56,822<span></span>
</td>
<td class="nump">52,150<span></span>
</td>
<td class="nump">47,931<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_Tier2EligibleCapitalResources', window );">Tier 2 eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,858<span></span>
</td>
<td class="nump">8,182<span></span>
</td>
<td class="nump">5,930<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#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_TotalCapitalTier1Tier2EligibleCapitalResources', window );">Total capital tier 1 tier 2 eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">66,680<span></span>
</td>
<td class="nump">60,332<span></span>
</td>
<td class="nump">53,861<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<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_TotalMinimumEquityRequiredEligibleCapitalResources', window );">Total minimum equity required eligible capital resources</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">&#8364; 52,427<span></span>
</td>
<td class="nump">&#8364; 47,455<span></span>
</td>
<td class="nump">&#8364; 43,111<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) The caption &#8220;Other adjustments and deductions&#8221; include, among others, the adjustment for non-computable minority interests, the amount of repurchases of own shares up to the maximum limit authorized by the ECB to the BBVA Group and the amount of dividends pending distribution.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Calculated based on total minimum capital requirements applicable in each period.</span></div></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_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Additional tier 1 before regulatory adjustments eligible capital resources</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_AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources</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_CommonEquityTier1CET1EligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Common equity tier 1 CET 1 eligible capital resources</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_CommonEquityTier1CET1EligibleCapitalResources</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_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Differences from solvency and accounting perimeter eligible capital resources</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_DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources</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_EligibleCapitalResourcesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Eligible capital resources</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_EligibleCapitalResourcesLineItems</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_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 not eligible at solvency level eligible capital resources</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_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources</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_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Goodwill and other intangible assets eligible capital resources</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_GoodwillAndOtherIntangibleAssetsEligibleCapitalResources</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_OtherAdjustmentsAndDeductionsEligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 adjustments and deductions eligible capital resources</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_OtherAdjustmentsAndDeductionsEligibleCapitalResources</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_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_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Retained earnings revaluation reserves and other reserves eligible capital resources</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_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources</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_ShareholdersFundsEligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 funds eligible capital resources</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_ShareholdersFundsEligibleCapitalResources</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_Tier1EligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 1 eligible capital resources</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_Tier1EligibleCapitalResources</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_Tier2EligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 2 eligible capital resources</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_Tier2EligibleCapitalResources</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_TotalCapitalTier1Tier2EligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 capital tier 1 tier 2 eligible capital resources</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_TotalCapitalTier1Tier2EligibleCapitalResources</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_TotalMinimumEquityRequiredEligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 minimum equity required eligible capital resources</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_TotalMinimumEquityRequiredEligibleCapitalResources</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_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 regulatory adjustments to additional tier 1 eligible capital resources</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_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources</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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2024-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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: Total for all 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 10<br> -IssueDate 2024-01-01<br> -Paragraph 22<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=10&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_22&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph 12<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_12_f&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 54<br> -Subparagraph q<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_54_q&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2024-01-01<br> -Paragraph 34<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_34&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537424976">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 32 Amount of capital CC1 (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 56,822<span></span>
</td>
<td class="nump">&#8364; 52,150<span></span>
</td>
<td colspan="2" class="nump">&#8364; 47,931<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_TotalCapitalTier1Tier2', window );">Total capital tier 1 tier 2</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">66,680<span></span>
</td>
<td class="nump">60,332<span></span>
</td>
<td colspan="2" class="nump">53,861<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_TotalRWA', window );">Total RWA</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">394,468<span></span>
</td>
<td class="nump">363,915<span></span>
</td>
<td colspan="2" class="nump">337,066<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_bbva_AmountOfCapitalCC1Axis=bbva_CapitalAndSharePremiumMember', window );">Capital and share premium [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">22,008<span></span>
</td>
<td class="nump">22,629<span></span>
</td>
<td colspan="2" class="nump">23,810<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_bbva_AmountOfCapitalCC1Axis=bbva_RetainedEarningsAndEquityInstrumentsMember', window );">Retained earnings and equity instruments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">39,652<span></span>
</td>
<td class="nump">34,889<span></span>
</td>
<td colspan="2" class="nump">31,436<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_bbva_AmountOfCapitalCC1Axis=bbva_OtherAccumulatedIncomeAndOtherReservesMember', window );">Other accumulated income and other reserves [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(14,334)<span></span>
</td>
<td class="num">(12,872)<span></span>
</td>
<td colspan="2" class="num">(13,952)<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_bbva_AmountOfCapitalCC1Axis=bbva_MinorityInterestsMember', window );">Minority interests [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,343<span></span>
</td>
<td class="nump">1,864<span></span>
</td>
<td colspan="2" class="nump">1,853<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_bbva_AmountOfCapitalCC1Axis=bbva_NetInterimAttributableProfitMember', window );">Net interim attributable profit [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">5,013<span></span>
</td>
<td class="nump">4,759<span></span>
</td>
<td colspan="2" class="nump">3,814<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_bbva_AmountOfCapitalCC1Axis=bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember', window );">Common equity tier 1 CET1 before oter regulatory adjustments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">54,681<span></span>
</td>
<td class="nump">51,269<span></span>
</td>
<td colspan="2" class="nump">46,962<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_bbva_AmountOfCapitalCC1Axis=ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain', window );">Classes of intangible assets and goodwill [domain]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,553)<span></span>
</td>
<td class="num">(1,421)<span></span>
</td>
<td colspan="2" class="num">(1,395)<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_bbva_AmountOfCapitalCC1Axis=bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember', window );">Direct and indirect holdings in own common equity tier 1 instruments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(243)<span></span>
</td>
<td class="num">(331)<span></span>
</td>
<td colspan="2" class="num">(356)<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_bbva_AmountOfCapitalCC1Axis=bbva_DeferredTaxAssetsMember', window );">Deferred tax assets [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(844)<span></span>
</td>
<td class="num">(988)<span></span>
</td>
<td colspan="2" class="num">(1,057)<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_bbva_AmountOfCapitalCC1Axis=bbva_OtherDeductionsAndFiltersMember', window );">Other deductions and filters [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">(1,242)<span></span>
</td>
<td class="num">(2,412)<span></span>
</td>
<td colspan="2" class="num">(1,416)<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_bbva_AmountOfCapitalCC1Axis=bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember', window );">Total common equity tier 1 regulatory adjustments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,882)<span></span>
</td>
<td class="num">(5,153)<span></span>
</td>
<td colspan="2" class="num">(4,223)<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_bbva_AmountOfCapitalCC1Axis=bbva_CommonEquityTIER1CET1Member', window );">Common equity TIER 1 CET1 [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">50,799<span></span>
</td>
<td class="nump">46,116<span></span>
</td>
<td colspan="2" class="nump">42,738<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_bbva_AmountOfCapitalCC1Axis=bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member', window );">Capital instruments and share premium accounts classified as liabilities and qualifying as additional tier 1 [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,638<span></span>
</td>
<td class="nump">5,715<span></span>
</td>
<td colspan="2" class="nump">4,875<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_bbva_AmountOfCapitalCC1Axis=bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember', window );">Qualifying tier 1 capital included in consolidated AT1 capital issued by subsidiaries and held by third parties [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">386<span></span>
</td>
<td class="nump">319<span></span>
</td>
<td colspan="2" class="nump">318<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_bbva_AmountOfCapitalCC1Axis=bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember', window );">Additional tier 1 (CET 1) before regulatory adjustments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,023<span></span>
</td>
<td class="nump">6,033<span></span>
</td>
<td colspan="2" class="nump">5,193<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_bbva_AmountOfCapitalCC1Axis=bbva_TransitionalCET1AdjustmentsMember', window );">Transitional CET1 adjustments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</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 colspan="2" class="nump">0<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_bbva_AmountOfCapitalCC1Axis=bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member', window );">Total regulatory adjustments to additional tier 1 [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalTier1', window );">Total Tier 1</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 colspan="2" class="nump">0<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_bbva_AmountOfCapitalCC1Axis=bbva_AdditionalTier1AT1Member', window );">Additional tier 1 AT1 [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalTier1', window );">Total Tier 1</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,023<span></span>
</td>
<td class="nump">6,033<span></span>
</td>
<td colspan="2" class="nump">5,193<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_bbva_AmountOfCapitalCC1Axis=bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member', window );">Capital instruments and share premium accounted as tier 2 [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalCapitalTier2', window );">Total capital tier 2</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,629<span></span>
</td>
<td class="nump">5,214<span></span>
</td>
<td colspan="2" class="nump">3,510<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_bbva_AmountOfCapitalCC1Axis=bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember', window );">Qualifying tier 2 capital included in consolidated T2 capital issued by subsidiaries and held by third parties [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalCapitalTier2', window );">Total capital tier 2</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,192<span></span>
</td>
<td class="nump">2,890<span></span>
</td>
<td colspan="2" class="nump">2,310<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_bbva_AmountOfCapitalCC1Axis=bbva_CreditRiskAdjustmentsMember', window );">Credit risk adjustments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalCapitalTier2', window );">Total capital tier 2</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">47<span></span>
</td>
<td class="nump">88<span></span>
</td>
<td colspan="2" class="nump">213<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_bbva_AmountOfCapitalCC1Axis=bbva_Tier2BeforeRegulatoryAdjustmentsMember', window );">Tier 2 before regulatory adjustments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalCapitalTier2', window );">Total capital tier 2</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,868<span></span>
</td>
<td class="nump">8,192<span></span>
</td>
<td colspan="2" class="nump">6,033<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_bbva_AmountOfCapitalCC1Axis=bbva_Tier2RegulatoryAdjustmentsMember', window );">Tier 2 regulatory adjustments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_TotalCapitalTier2', window );">Total capital tier 2</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td colspan="2" class="num">(103)<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_bbva_AmountOfCapitalCC1Axis=bbva_Tier2AfterRegulatoryAdjustmentsMember', window );">Tier 2 after regulatory adjustments [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_TotalCapitalTier2', window );">Total capital tier 2</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 9,858<span></span>
</td>
<td class="nump">&#8364; 8,182<span></span>
</td>
<td colspan="2" class="nump">&#8364; 5,930<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_bbva_AmountOfCapitalCC1Axis=bbva_CET1PhasedInMember', window );">CET 1 phased in [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_PercentageRatioPhaseIn', window );">Percentage ratio phase in</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12.88%<span></span>
</td>
<td class="nump">12.67%<span></span>
</td>
<td colspan="2" class="nump">12.68%<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_bbva_AmountOfCapitalCC1Axis=bbva_Tier1PhasedInMember', window );">Tier 1 phased in [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#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_PercentageRatioPhaseIn', window );">Percentage ratio phase in</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14.40%<span></span>
</td>
<td class="nump">14.33%<span></span>
</td>
<td colspan="2" class="nump">14.22%<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_bbva_AmountOfCapitalCC1Axis=bbva_TotalCapitalPhasedInMember', window );">Total capital phased in [Member]</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 colspan="2" 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_bbva_AmountOfCapitalCC1LineItems', window );"><strong>Amount of capital CC1 [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 colspan="2" class="text">&#160;<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_PercentageRatioPhaseIn', window );">Percentage ratio phase in</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16.90%<span></span>
</td>
<td class="nump">16.58%<span></span>
</td>
<td colspan="2" class="nump">15.98%<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) In 2022, the difference between the phased-in and fully-loaded ratios arises from the temporary treatment of certain capital items, mainly as a result of the impact of IFRS 9, to which the BBVA Group adhered voluntarily (in accordance with article 473bis of the CRR and the subsequent amendments introduced by the Regulation (EU) 2020/873). In 2024 and 2023, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(2) As of December 31, 2024, the total shareholder remuneration corresponding to the year 2024 (composed by a cash dividend, the share repurchase program and the proposed cash dividend subject to approval at the General Shareholders' Meeting), is deducted. As of December 31, 2023 and 2022 the cash dividends approved by the respective General Shareholders' Meetings are deducted</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) As of December 31, 2023 and 2022, the amounts of the share repurchase programs were deducted.</span></div></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_AmountOfCapitalCC1LineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of capital CC1</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_AmountOfCapitalCC1LineItems</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_PercentageRatioPhaseIn">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage ratio phase in</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_PercentageRatioPhaseIn</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>dtr-types1:percentItemType</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_bbva_TotalCapitalTier1Tier2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 capital tier 1 tier 2</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_TotalCapitalTier1Tier2</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_TotalCapitalTier2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 capital tier 2</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_TotalCapitalTier2</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_TotalRWA">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 RWA</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_TotalRWA</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_TotalTier1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Tier 1</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_TotalTier1</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_AmountOfCapitalCC1Axis=bbva_CapitalAndSharePremiumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_CapitalAndSharePremiumMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_RetainedEarningsAndEquityInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_RetainedEarningsAndEquityInstrumentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_OtherAccumulatedIncomeAndOtherReservesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_OtherAccumulatedIncomeAndOtherReservesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_MinorityInterestsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_MinorityInterestsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_NetInterimAttributableProfitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_NetInterimAttributableProfitMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_DeferredTaxAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_DeferredTaxAssetsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_OtherDeductionsAndFiltersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_OtherDeductionsAndFiltersMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_TotalCommonEquityTier1RegulatoryAdjustmentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_CommonEquityTIER1CET1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_CommonEquityTIER1CET1Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_QualifyingTier1CapitalIncludedInConsolidatedAT1CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_AdditionalTier1CET1BeforeRegulatoryAdjustmentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_TransitionalCET1AdjustmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_TransitionalCET1AdjustmentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_TotalRegulatoryAdjustmentsToAdditionalTier1Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_AdditionalTier1AT1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_AdditionalTier1AT1Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_CreditRiskAdjustmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_CreditRiskAdjustmentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_Tier2BeforeRegulatoryAdjustmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_Tier2BeforeRegulatoryAdjustmentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_Tier2RegulatoryAdjustmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_Tier2RegulatoryAdjustmentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_Tier2AfterRegulatoryAdjustmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_Tier2AfterRegulatoryAdjustmentsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_CET1PhasedInMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_CET1PhasedInMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_Tier1PhasedInMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_Tier1PhasedInMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AmountOfCapitalCC1Axis=bbva_TotalCapitalPhasedInMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_AmountOfCapitalCC1Axis=bbva_TotalCapitalPhasedInMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>255
<FILENAME>R236.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533889152">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 32 Leverage Ratio (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_LeverageRatioLineItems', window );"><strong>Leverage ratio [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_Tier1', window );">Tier 1</a></td>
<td class="nump">&#8364; 56,822<span></span>
</td>
<td class="nump">&#8364; 52,150<span></span>
</td>
<td class="nump">&#8364; 47,931<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_ExposureToLeverageRatio', window );">Exposure to leverage ratio</a></td>
<td class="nump">&#8364; 834,488<span></span>
</td>
<td class="nump">&#8364; 797,888<span></span>
</td>
<td class="nump">&#8364; 737,990<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_LeverageRatio', window );">Leverage ratio</a></td>
<td class="nump">6.81%<span></span>
</td>
<td class="nump">6.54%<span></span>
</td>
<td class="nump">6.49%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ExposureToLeverageRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exposure to leverage ratio</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_ExposureToLeverageRatio</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_LeverageRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Leverage ratio</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_LeverageRatio</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>dtr-types1:percentItemType</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_bbva_LeverageRatioLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Leverage ratio</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_LeverageRatioLineItems</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_Tier1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 1</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_Tier1</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>256
<FILENAME>R237.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534248288">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 33 Commitments and guarantees given (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems', window );"><strong>Financial guarantees and other commitments [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 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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 188,515<span></span>
</td>
<td class="nump">&#8364; 152,868<span></span>
</td>
<td class="nump">&#8364; 136,920<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_MemorandumFinancialGuaranteesGiven', window );">Financial guarantees given Memorandum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">22,503<span></span>
</td>
<td class="nump">18,839<span></span>
</td>
<td class="nump">16,511<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_MemorandumOtherCommitmentsGiven', window );">Memorandum other commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">51,215<span></span>
</td>
<td class="nump">42,577<span></span>
</td>
<td class="nump">39,137<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_TotalLoanCommitmentsAndFinancialGuarantees', window );">Total Loan commitments and financial guarantees</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">262,233<span></span>
</td>
<td class="nump">214,283<span></span>
</td>
<td class="nump">192,568<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_TypesOfCustomersAxis=bbva_DefaultedMember', window );">Defaulted [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems', window );"><strong>Financial guarantees and other commitments [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 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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">160<span></span>
</td>
<td class="nump">165<span></span>
</td>
<td class="nump">177<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_MemorandumFinancialGuaranteesGiven', window );">Financial guarantees given Memorandum</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">192<span></span>
</td>
<td class="nump">229<span></span>
</td>
<td class="nump">281<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_MemorandumOtherCommitmentsGiven', window );">Memorandum other commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">439<span></span>
</td>
<td class="nump">636<span></span>
</td>
<td class="nump">689<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_TypesOfCustomersAxis=bbva_CentralBanksMember', window );">Central banks [Member]</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_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems', window );"><strong>Financial guarantees and other commitments [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="re">
<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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">254<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_MemorandumFinancialGuaranteesGiven', window );">Financial guarantees given Memorandum</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_MemorandumOtherCommitmentsGiven', window );">Memorandum other commitments given</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=ifrs-full_GovernmentMember', window );">Government [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems', window );"><strong>Financial guarantees and other commitments [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 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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,247<span></span>
</td>
<td class="nump">3,115<span></span>
</td>
<td class="nump">3,031<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_MemorandumFinancialGuaranteesGiven', window );">Financial guarantees given Memorandum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">183<span></span>
</td>
<td class="nump">74<span></span>
</td>
<td class="nump">96<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_MemorandumOtherCommitmentsGiven', window );">Memorandum other commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">354<span></span>
</td>
<td class="nump">327<span></span>
</td>
<td class="nump">215<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_TypesOfCustomersAxis=bbva_BanksMember', window );">Banks [Member]</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_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems', window );"><strong>Financial guarantees and other commitments [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="re">
<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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,441<span></span>
</td>
<td class="nump">15,595<span></span>
</td>
<td class="nump">15,407<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_MemorandumFinancialGuaranteesGiven', window );">Financial guarantees given Memorandum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">636<span></span>
</td>
<td class="nump">978<span></span>
</td>
<td class="nump">475<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_MemorandumOtherCommitmentsGiven', window );">Memorandum other commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,447<span></span>
</td>
<td class="nump">3,607<span></span>
</td>
<td class="nump">4,134<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_TypesOfCustomersAxis=bbva_OtherFinancialCorporationsMember', window );">Other financial corporations [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems', window );"><strong>Financial guarantees and other commitments [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 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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,656<span></span>
</td>
<td class="nump">7,063<span></span>
</td>
<td class="nump">5,895<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_MemorandumFinancialGuaranteesGiven', window );">Financial guarantees given Memorandum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,843<span></span>
</td>
<td class="nump">2,177<span></span>
</td>
<td class="nump">1,263<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_MemorandumOtherCommitmentsGiven', window );">Memorandum other commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,256<span></span>
</td>
<td class="nump">1,837<span></span>
</td>
<td class="nump">1,758<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_TypesOfCustomersAxis=bbva_NonFinancialCorporationsMember', window );">Non financial corporations [Member]</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_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems', window );"><strong>Financial guarantees and other commitments [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="re">
<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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">82,891<span></span>
</td>
<td class="nump">71,303<span></span>
</td>
<td class="nump">68,120<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_MemorandumFinancialGuaranteesGiven', window );">Financial guarantees given Memorandum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">18,724<span></span>
</td>
<td class="nump">15,460<span></span>
</td>
<td class="nump">14,541<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_MemorandumOtherCommitmentsGiven', window );">Memorandum other commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">41,005<span></span>
</td>
<td class="nump">36,681<span></span>
</td>
<td class="nump">32,858<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_TypesOfCustomersAxis=bbva_HouseholdsMember', window );">Households [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialGuaranteesAndOtherCommitmentsLineItems', window );"><strong>Financial guarantees and other commitments [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 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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">80,026<span></span>
</td>
<td class="nump">55,791<span></span>
</td>
<td class="nump">44,467<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_MemorandumFinancialGuaranteesGiven', window );">Financial guarantees given Memorandum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">116<span></span>
</td>
<td class="nump">150<span></span>
</td>
<td class="nump">135<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_MemorandumOtherCommitmentsGiven', window );">Memorandum other commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 153<span></span>
</td>
<td class="nump">&#8364; 125<span></span>
</td>
<td class="nump">&#8364; 171<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) Non-performing financial guarantees given amounted to &#8364;631, &#8364;865, and &#8364;970 million, respectively, as of December 31, 2024, 2023 and 2022.</td>
</tr></table></td></tr>
</table>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial guarantees and other commitments</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_FinancialGuaranteesAndOtherCommitmentsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<td>na</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Memorandum Financial 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_MemorandumFinancialGuaranteesGiven</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_MemorandumLoanCommitmentsGiven">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Memorandum loan commitments 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_MemorandumLoanCommitmentsGiven</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_MemorandumOtherCommitmentsGiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 other commitments 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_MemorandumOtherCommitmentsGiven</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_TotalLoanCommitmentsAndFinancialGuarantees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Loan commitments and financial guarantees</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_TotalLoanCommitmentsAndFinancialGuarantees</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_TypesOfCustomersAxis=bbva_DefaultedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_TypesOfCustomersAxis=bbva_DefaultedMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_CentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_TypesOfCustomersAxis=bbva_CentralBanksMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=ifrs-full_GovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_TypesOfCustomersAxis=ifrs-full_GovernmentMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_BanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_TypesOfCustomersAxis=bbva_BanksMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_OtherFinancialCorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_TypesOfCustomersAxis=bbva_OtherFinancialCorporationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_NonFinancialCorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_TypesOfCustomersAxis=bbva_NonFinancialCorporationsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_HouseholdsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_TypesOfCustomersAxis=bbva_HouseholdsMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>257
<FILENAME>R238.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526663328">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 36 Transactions on behalf of third parties breakdown by concepts (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_TransactionsOnBehalfOfThirdPartiesLineItems', window );"><strong>Transactions on behalf of third parties [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialInstrumentsEntrustedByThirdParties', window );">Financial instruments entrusted by third parties</a></td>
<td class="nump">&#8364; 496,082<span></span>
</td>
<td class="nump">&#8364; 430,377<span></span>
</td>
<td class="nump">&#8364; 352,139<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_ConditionalBillsAndOtherSecuritiesReceivedForCollection', window );">Conditional bills and other securities received for collection</a></td>
<td class="nump">13,460<span></span>
</td>
<td class="nump">12,125<span></span>
</td>
<td class="nump">11,738<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_SecuritiesLendingOnBehalfOfThirdParties', window );">Securities lending on behalf of third parties</a></td>
<td class="nump">5,700<span></span>
</td>
<td class="nump">6,397<span></span>
</td>
<td class="nump">3,223<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_TotalTransactionsOnBehalfOfThirdParties', window );">Total transactions on behalf of third parties</a></td>
<td class="nump">&#8364; 515,241<span></span>
</td>
<td class="nump">&#8364; 448,899<span></span>
</td>
<td class="nump">&#8364; 367,100<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ConditionalBillsAndOtherSecuritiesReceivedForCollection">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Conditional bills and other securities received for collection</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_ConditionalBillsAndOtherSecuritiesReceivedForCollection</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_FinancialInstrumentsEntrustedByThirdParties">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 instruments entrusted by third parties</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_FinancialInstrumentsEntrustedByThirdParties</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_SecuritiesLendingOnBehalfOfThirdParties">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Securities lending on behalf of third parties</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_SecuritiesLendingOnBehalfOfThirdParties</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_TotalTransactionsOnBehalfOfThirdParties">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 transactions on behalf of third parties</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_TotalTransactionsOnBehalfOfThirdParties</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_TransactionsOnBehalfOfThirdPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transactions on behalf of third parties</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_TransactionsOnBehalfOfThirdPartiesLineItems</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>258
<FILENAME>R239.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535686400">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 37 Interest income breakdown by origin (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_InterestIncomeByOriginLineItems', window );"><strong>Interest income by origin [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_InterestIncomeOnFinancialAssetsHeldForTrading', window );">Interest income on financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 5,951<span></span>
</td>
<td class="nump">&#8364; 4,984<span></span>
</td>
<td class="nump">&#8364; 2,079<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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,951<span></span>
</td>
<td class="nump">3,098<span></span>
</td>
<td class="nump">3,110<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="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">50,243<span></span>
</td>
<td class="nump">38,328<span></span>
</td>
<td class="nump">25,258<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_InterestIncomeForInsuranceActivity', window );">Interest Income For Insurance Activity</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,448<span></span>
</td>
<td class="nump">1,052<span></span>
</td>
<td class="nump">1,309<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_InterestIncomeForAdjustmentInterestOnAccountingCoverage', window );">Interest Income For Adjustment Interest On Accounting Coverage</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">702<span></span>
</td>
<td class="nump">91<span></span>
</td>
<td class="num">(825)<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_InterestIncomeOnOtherIncome', window );">Interest Income On Other Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">365<span></span>
</td>
<td class="nump">297<span></span>
</td>
<td class="nump">501<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_RevenueFromInterest', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 61,659<span></span>
</td>
<td class="nump">&#8364; 47,850<span></span>
</td>
<td class="nump">&#8364; 31,432<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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Includes interest on demand deposits at central banks and credit institutions.</span></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) Includes, among others, the net interest income accrued from funds obtained through TLTRO III operations, which amounted to &#8364;177 million for the year ended December 31, 2022 (see Note 22.1).</span></div></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_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_InterestIncomeByOriginLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest income by origin</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_InterestIncomeByOriginLineItems</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_InterestIncomeForAdjustmentInterestOnAccountingCoverage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Income For Adjustment Interest On Accounting Coverage</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_InterestIncomeForAdjustmentInterestOnAccountingCoverage</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_InterestIncomeForInsuranceActivity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Income For Insurance Activity</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_InterestIncomeForInsuranceActivity</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_InterestIncomeOnOtherIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Income On 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_InterestIncomeOnOtherIncome</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_InterestIncomeOnFinancialAssetsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 interest income on financial assets held for trading. [Refer: Interest income; 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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InterestIncomeOnFinancialAssetsHeldForTrading</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 2024-01-01<br> -Paragraph 23<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_c&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360520670928">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 37 Interest expense breakdown by origin (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_InterestExpenseByOriginLineItems', window );"><strong>Interest expense by origin [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_InterestExpenseOnFinancialLiabilitiesHeldForTrading', window );">Interest expense on financial liabilities held for trading</a></td>
<td class="nump">&#8364; 5,445<span></span>
</td>
<td class="nump">&#8364; 3,834<span></span>
</td>
<td colspan="2" class="nump">&#8364; 1,140<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_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss', window );">Interest expense on financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">170<span></span>
</td>
<td class="nump">130<span></span>
</td>
<td colspan="2" class="nump">58<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_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost', window );">Interest Expense For Financial Liabilities Measured At Amortised Cost</a></td>
<td class="nump">28,379<span></span>
</td>
<td class="nump">19,164<span></span>
</td>
<td colspan="2" class="nump">9,985<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_InterestExpenseForAdjustmentInterestOnAccountingCoverage', window );">Interest Expense For Adjustment Interest On Accounting Coverage</a></td>
<td class="nump">1,097<span></span>
</td>
<td class="nump">809<span></span>
</td>
<td colspan="2" class="num">(232)<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_InterestExpenseForInsuranceActivity', window );">Interest Expense For Insurance Activity</a></td>
<td class="nump">1,016<span></span>
</td>
<td class="nump">633<span></span>
</td>
<td colspan="2" class="nump">948<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_InterestExpenseOnChargeableCostToPensionFunds', window );">Interest Expense On Chargeable Cost To Pension Funds</a></td>
<td class="nump">173<span></span>
</td>
<td class="nump">110<span></span>
</td>
<td colspan="2" class="nump">76<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_OtherInterestExpense', window );">Other Interest Expense</a></td>
<td class="nump">114<span></span>
</td>
<td class="nump">80<span></span>
</td>
<td colspan="2" class="nump">333<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_InterestExpense', window );">Interest expense</a></td>
<td class="nump">&#8364; 36,392<span></span>
</td>
<td class="nump">&#8364; 24,761<span></span>
</td>
<td colspan="2" class="nump">&#8364; 12,309<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_InterestExpenseByOriginLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest expense by origin</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_InterestExpenseByOriginLineItems</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_InterestExpenseForAdjustmentInterestOnAccountingCoverage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Expense For Adjustment Interest On Accounting Coverage</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_InterestExpenseForAdjustmentInterestOnAccountingCoverage</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_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Expense For Financial Liabilities Measured 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_InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost</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_InterestExpenseForInsuranceActivity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Expense For Insurance Activity</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_InterestExpenseForInsuranceActivity</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_InterestExpenseOnChargeableCostToPensionFunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Expense On Chargeable Cost To Pension Funds</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_InterestExpenseOnChargeableCostToPensionFunds</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_OtherInterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Expense</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_OtherInterestExpense</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_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 2024-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_d&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 interest expense on financial liabilities designated at fair value through profit or loss. [Refer: Interest expense; Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently]</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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss</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_InterestExpenseOnFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 interest expense on financial liabilities held for trading. [Refer: Interest expense; 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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_InterestExpenseOnFinancialLiabilitiesHeldForTrading</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533757952">
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<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 38 Dividend income breakdown by headline (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_DividendIncomeBreakdownByHeadlineLineItems', window );"><strong>Dividend Income Breakdown By Headline [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_RevenueFromDividends', window );">Dividend income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 120<span></span>
</td>
<td class="nump">&#8364; 118<span></span>
</td>
<td class="nump">&#8364; 123<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_ClassesOfAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember', window );">Financial assets at fair value through profit or loss, category [member]</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_bbva_DividendIncomeBreakdownByHeadlineLineItems', window );"><strong>Dividend Income Breakdown By Headline [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="re">
<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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="nump">15<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_ClassesOfAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income, category [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DividendIncomeBreakdownByHeadlineLineItems', window );"><strong>Dividend Income Breakdown By Headline [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_RevenueFromDividends', window );">Dividend income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 109<span></span>
</td>
<td class="nump">&#8364; 107<span></span>
</td>
<td class="nump">&#8364; 108<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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Dividend income corresponds mainly to investments held at the end of the year.</span></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_DividendIncomeBreakdownByHeadlineLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Dividend Income Breakdown By Headline</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_DividendIncomeBreakdownByHeadlineLineItems</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>
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<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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ClassesOfAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_ClassesOfAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_ClassesOfAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360590101632">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 40 Fee and commission income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_FeeAndCommissionIncomeLineItems', window );"><strong>Fee and commission income [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 colspan="2" class="text">&#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_BillsReceivables', window );">Bills receivables</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 21<span></span>
</td>
<td class="nump">&#8364; 24<span></span>
</td>
<td colspan="2" class="nump">&#8364; 26<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_DemandAccount', window );">Demand Account</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">300<span></span>
</td>
<td class="nump">300<span></span>
</td>
<td colspan="2" class="nump">424<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_CreditAndDebitCards', window );">Credit and Debit Cards</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">7,106<span></span>
</td>
<td class="nump">4,665<span></span>
</td>
<td colspan="2" class="nump">3,499<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_Checks', window );">Checks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">166<span></span>
</td>
<td class="nump">175<span></span>
</td>
<td colspan="2" class="nump">162<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_TransfersAndOtherPaymentOrders', window );">Transfers and other payment orders</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">961<span></span>
</td>
<td class="nump">862<span></span>
</td>
<td colspan="2" class="nump">812<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_InsuranceProductCommissions', window );">Insurance product commissions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">461<span></span>
</td>
<td class="nump">384<span></span>
</td>
<td colspan="2" class="nump">261<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_LoanCommitmentsGivenFeeAndCommissionIncome', window );">Loan commitments given fee and commission income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">322<span></span>
</td>
<td class="nump">307<span></span>
</td>
<td colspan="2" class="nump">259<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_OtherCommitmentsAndFinancialGuaranteesGiven', window );">Other Commitments And Financial Guarantees Given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">530<span></span>
</td>
<td class="nump">471<span></span>
</td>
<td colspan="2" class="nump">420<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_PortfolioAndOtherManagementFeeIncome', window );">Portfolio and other management fee income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,685<span></span>
</td>
<td class="nump">1,407<span></span>
</td>
<td colspan="2" class="nump">1,228<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_BrokerageFeeIncome', window );">Brokerage fee income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">360<span></span>
</td>
<td class="nump">345<span></span>
</td>
<td colspan="2" class="nump">266<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_CustodySecuritiesIncome', window );">Custody securities income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">221<span></span>
</td>
<td class="nump">207<span></span>
</td>
<td colspan="2" class="nump">193<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_OtherFeeAndCommissionIncome', window );">Other fee and commission income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">902<span></span>
</td>
<td class="nump">751<span></span>
</td>
<td colspan="2" class="nump">711<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="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 13,036<span></span>
</td>
<td class="nump">&#8364; 9,899<span></span>
</td>
<td colspan="2" class="nump">&#8364; 8,260<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Points of Sale.</span></div></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_BillsReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Bills receivables</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_BillsReceivables</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_Checks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Checks</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_Checks</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_CreditAndDebitCards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Credit and Debit Cards</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_CreditAndDebitCards</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_CustodySecuritiesIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Custody securities 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_CustodySecuritiesIncome</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_DemandAccount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Demand Account</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_DemandAccount</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_FeeAndCommissionIncomeLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fee and commission 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_FeeAndCommissionIncomeLineItems</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_InsuranceProductCommissions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 product commissions</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_InsuranceProductCommissions</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_LoanCommitmentsGivenFeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loan commitments given fee and commission 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_LoanCommitmentsGivenFeeAndCommissionIncome</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_OtherCommitmentsAndFinancialGuaranteesGiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Commitments And Financial 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_OtherCommitmentsAndFinancialGuaranteesGiven</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_TransfersAndOtherPaymentOrders">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers and other payment orders</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_TransfersAndOtherPaymentOrders</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_BrokerageFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 recognised for brokerage fees charged 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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_BrokerageFeeIncome</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_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 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherFeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 fee and commission income that the entity does not separately disclose in the same statement or note. [Refer: Fee and commission 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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherFeeAndCommissionIncome</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_PortfolioAndOtherManagementFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 recognised from portfolio and other management fees.</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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_PortfolioAndOtherManagementFeeIncome</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>
</div>
</body>
</html>
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<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360569707184">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 40 Fees and commission expense (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_FeeAndCommissionExpenseLineItems', window );"><strong>Fee and commission expense [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 colspan="2" class="text">&#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_DemandAccounts', window );">Demand accounts</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 7<span></span>
</td>
<td class="nump">&#8364; 6<span></span>
</td>
<td colspan="2" class="nump">&#8364; 5<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_CreditAndDebitCardsExpenses', window );">Credit and debit cards expenses</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">3,534<span></span>
</td>
<td class="nump">2,337<span></span>
</td>
<td colspan="2" class="nump">1,884<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_TransfersAndOtherPaymentOrdersExpenses', window );">Transfers and other payment orders expenses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">153<span></span>
</td>
<td class="nump">156<span></span>
</td>
<td colspan="2" class="nump">132<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_CommissionsForSellingInsurance', window );">Commissions for selling insurance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">47<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td colspan="2" class="nump">54<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_CustodySecurities', window );">Custody securities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">101<span></span>
</td>
<td class="nump">111<span></span>
</td>
<td colspan="2" class="nump">92<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_OtherFeeAndCommissionExpense', window );">Other fee and commission expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,206<span></span>
</td>
<td class="nump">961<span></span>
</td>
<td colspan="2" class="nump">721<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_FeeAndCommissionExpense', window );">Fee and commission expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 5,048<span></span>
</td>
<td class="nump">&#8364; 3,611<span></span>
</td>
<td colspan="2" class="nump">&#8364; 2,888<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Points of Sale.</span></div></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_CommissionsForSellingInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commissions for selling insurance</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_CommissionsForSellingInsurance</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_CreditAndDebitCardsExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Credit and debit cards expenses</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_CreditAndDebitCardsExpenses</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_CustodySecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Custody securities</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_CustodySecurities</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_DemandAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Demand accounts</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_DemandAccounts</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_FeeAndCommissionExpenseLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fee and commission expense</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_FeeAndCommissionExpenseLineItems</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>
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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_bbva_TransfersAndOtherPaymentOrdersExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfers and other payment orders expenses</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_TransfersAndOtherPaymentOrdersExpenses</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_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 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherFeeAndCommissionExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 fee and commission expense that the entity does not separately disclose in the same statement or note. [Refer: Fee and commission 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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherFeeAndCommissionExpense</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526505456">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 41 Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems', window );"><strong>Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Heading On the Balance Sheet [Line Items]</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="ro">
<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">&#8364; 327<span></span>
</td>
<td class="nump">&#8364; 76<span></span>
</td>
<td class="nump">&#8364; 64<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">20<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="nump">8<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">307<span></span>
</td>
<td class="nump">35<span></span>
</td>
<td class="nump">56<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_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet', window );">Gains or losses on financial assets and liabilities held for trading net</a></td>
<td class="nump">2,458<span></span>
</td>
<td class="nump">1,352<span></span>
</td>
<td class="nump">562<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">2,458<span></span>
</td>
<td class="nump">1,352<span></span>
</td>
<td class="nump">562<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_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Gains (losses) on financial assets at fair value through profit or loss, mandatorily measured at fair value</a></td>
<td class="nump">179<span></span>
</td>
<td class="nump">337<span></span>
</td>
<td class="num">(67)<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="nump">179<span></span>
</td>
<td class="nump">337<span></span>
</td>
<td class="num">(67)<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_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet', window );">Gains or losses on financial assets and liabilities designated at fair value through profit or loss net</a></td>
<td class="nump">249<span></span>
</td>
<td class="nump">96<span></span>
</td>
<td class="nump">150<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_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Gain (loss) on hedge ineffectiveness recognised in profit or loss</a></td>
<td class="nump">5<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="num">(45)<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_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet', window );">Subtotal gains or losses in financial assets and liabilities net</a></td>
<td class="nump">3,218<span></span>
</td>
<td class="nump">1,844<span></span>
</td>
<td class="nump">663<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_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Foreign exchange gain (loss)</a></td>
<td class="nump">695<span></span>
</td>
<td class="nump">339<span></span>
</td>
<td class="nump">1,275<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_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences', window );">Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences</a></td>
<td class="nump">&#8364; 3,913<span></span>
</td>
<td class="nump">&#8364; 2,183<span></span>
</td>
<td class="nump">&#8364; 1,938<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<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_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet</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_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 liabilities, hedge accounting and exchange differences</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_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences</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_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 And Exchange Differences Breakdown By Heading On the Balance Sheet</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_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems</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>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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></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_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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></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_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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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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<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_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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
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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>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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
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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_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>
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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>
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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_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>
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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>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subtotal gains or losses in financial assets and liabilities 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_SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 gain (loss) recognised in profit or loss on hedge ineffectiveness. [Refer: Gain (loss) on hedge ineffectiveness]</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 2024-01-01<br> -Paragraph 24C<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24C_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2024-01-01<br> -Paragraph 24C<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_24C_b_ii&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss</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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<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_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 exchange differences recognised in profit or loss that arise from foreign currency transactions, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: At fair value [member]; Classes of financial instruments [domain]]</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 2024-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss</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 2024-01-01<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-2024-en-r&amp;anchor=para_20_a_i&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360861383648">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 41 Gains Or Losses On Financial Assets And Liabilities And Exchange Differences Breakdown By Nature Of The Financial Instrument (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsLossesOnFinancialAssetsAndLiabilities', window );">Gains (losses) on financial assets and liabilities</a></td>
<td class="nump">&#8364; 3,218<span></span>
</td>
<td class="nump">&#8364; 1,844<span></span>
</td>
<td class="nump">&#8364; 663<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_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsLossesOnFinancialAssetsAndLiabilities', window );">Gains (losses) on financial assets and liabilities</a></td>
<td class="nump">841<span></span>
</td>
<td class="nump">799<span></span>
</td>
<td class="num">(2,266)<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_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis=ifrs-full_EquityInvestmentsMember', window );">Equity investments [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument [Line Items]</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="ro">
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<td class="nump">553<span></span>
</td>
<td class="nump">669<span></span>
</td>
<td class="num">(1,099)<span></span>
</td>
</tr>
<tr class="rh">
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<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_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument [Line Items]</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="re">
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<td class="nump">181<span></span>
</td>
<td class="num">(812)<span></span>
</td>
<td class="nump">1,361<span></span>
</td>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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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_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsLossesOnFinancialAssetsAndLiabilities', window );">Gains (losses) on financial assets and liabilities</a></td>
<td class="nump">236<span></span>
</td>
<td class="nump">165<span></span>
</td>
<td class="num">(241)<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis=bbva_CustomerDepositsMember', window );">Customer deposits [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsLossesOnFinancialAssetsAndLiabilities', window );">Gains (losses) on financial assets and liabilities</a></td>
<td class="num">(81)<span></span>
</td>
<td class="num">(95)<span></span>
</td>
<td class="nump">274<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_bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis=bbva_OtherMember', window );">Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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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_bbva_GainsOrLossesInFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_GainsLossesOnFinancialAssetsAndLiabilities', window );">Gains (losses) on financial assets and liabilities</a></td>
<td class="nump">&#8364; 1,488<span></span>
</td>
<td class="nump">&#8364; 1,118<span></span>
</td>
<td class="nump">&#8364; 2,635<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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial 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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360520800144">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 41 Derivatives hedge accounting (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="nump">&#8364; 181<span></span>
</td>
<td class="num">&#8364; (812)<span></span>
</td>
<td class="nump">&#8364; 1,361<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_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis=bbva_TradingDerivativesHedgeAccountingMember', window );">Trading derivatives hedge accounting [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="nump">176<span></span>
</td>
<td class="num">(795)<span></span>
</td>
<td class="nump">1,406<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_bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis=bbva_HedgingDerivativesIneffectivenessMember', window );">Hedging derivatives ineffectiveness [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="nump">5<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="num">(45)<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_bbva_DerivativesHedgeAccountingAxis=bbva_InterestRateAgreementsHedgeAccountingMember', window );">Interest rate agreements hedge accounting [Member] | Trading derivatives hedge accounting [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="num">(21)<span></span>
</td>
<td class="nump">427<span></span>
</td>
<td class="nump">522<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_bbva_DerivativesHedgeAccountingAxis=bbva_SecuritiesAgreementsHedgeAccountingMember', window );">Securities agreements hedge accounting [Member] | Trading derivatives hedge accounting [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="nump">236<span></span>
</td>
<td class="num">(402)<span></span>
</td>
<td class="nump">1,653<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_bbva_DerivativesHedgeAccountingAxis=bbva_CreditDerivativeAgreementsHedgeAccountingMember', window );">Credit derivative agreements hedge accounting [Member] | Trading derivatives hedge accounting [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="num">(123)<span></span>
</td>
<td class="num">(56)<span></span>
</td>
<td class="nump">16<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_bbva_DerivativesHedgeAccountingAxis=bbva_ForeignExchangeAgreementsHedgeAccountingMember', window );">Foreign exchange agreements hedge accounting [Member] | Trading derivatives hedge accounting [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="num">(15)<span></span>
</td>
<td class="num">(431)<span></span>
</td>
<td class="num">(658)<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_bbva_DerivativesHedgeAccountingAxis=bbva_OtherAgreementsHedgeAccountingMember', window );">Other agreements hedge accounting [Member] | Trading derivatives hedge accounting [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="nump">99<span></span>
</td>
<td class="num">(332)<span></span>
</td>
<td class="num">(127)<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_bbva_DerivativesHedgeAccountingAxis=bbva_FairValueHedgesIneffectivenesMember', window );">Fair value hedges ineffectivenes [Member] | Hedging derivatives ineffectiveness [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="nump">8<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="num">(51)<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_bbva_DerivativesHedgeAccountingAxis=bbva_HedgingDerivativeFairValueIneffectivenessMember', window );">Hedging derivative fair value ineffectiveness [Member] | Hedging derivatives ineffectiveness [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="num">(512)<span></span>
</td>
<td class="num">(114)<span></span>
</td>
<td class="num">(229)<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_bbva_DerivativesHedgeAccountingAxis=bbva_HedgedItemFairValueIneffectivenessMember', window );">Hedged item fair value ineffectiveness [Member] | Hedging derivatives ineffectiveness [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="nump">520<span></span>
</td>
<td class="nump">103<span></span>
</td>
<td class="nump">178<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_bbva_DerivativesHedgeAccountingAxis=bbva_CashFlowHedgesIneffectivenessMember', window );">Cash flow hedges ineffectiveness [Member] | Hedging derivatives ineffectiveness [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccountingLineItems', window );"><strong>Derivatives hedge accounting [Line Items]</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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DerivativesHedgeAccounting', window );">Derivatives- hedge accounting</a></td>
<td class="num">&#8364; (3)<span></span>
</td>
<td class="num">&#8364; (7)<span></span>
</td>
<td class="nump">&#8364; 6<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivatives- hedge accounting</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_DerivativesHedgeAccounting</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivatives hedge accounting</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_DerivativesHedgeAccountingLineItems</td>
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<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;">bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis=bbva_TradingDerivativesHedgeAccountingMember</td>
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<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;">bbva_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsAxis=bbva_HedgingDerivativesIneffectivenessMember</td>
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<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;">bbva_DerivativesHedgeAccountingAxis=bbva_InterestRateAgreementsHedgeAccountingMember</td>
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<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;">bbva_DerivativesHedgeAccountingAxis=bbva_SecuritiesAgreementsHedgeAccountingMember</td>
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<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;">bbva_DerivativesHedgeAccountingAxis=bbva_CreditDerivativeAgreementsHedgeAccountingMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DerivativesHedgeAccountingAxis=bbva_ForeignExchangeAgreementsHedgeAccountingMember</td>
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<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;">bbva_DerivativesHedgeAccountingAxis=bbva_OtherAgreementsHedgeAccountingMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DerivativesHedgeAccountingAxis=bbva_FairValueHedgesIneffectivenesMember</td>
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<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;">bbva_DerivativesHedgeAccountingAxis=bbva_HedgingDerivativeFairValueIneffectivenessMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<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>
<td></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_bbva_DerivativesHedgeAccountingAxis=bbva_HedgedItemFairValueIneffectivenessMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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;">bbva_DerivativesHedgeAccountingAxis=bbva_HedgedItemFairValueIneffectivenessMember</td>
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<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>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DerivativesHedgeAccountingAxis=bbva_CashFlowHedgesIneffectivenessMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DerivativesHedgeAccountingAxis=bbva_CashFlowHedgesIneffectivenessMember</td>
</tr>
<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>
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<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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<DOCUMENT>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564598656">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 42 Other operating income (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_DisclosureOfOtherOperatingIncomeLineItems', window );"><strong>Disclosure of Other operating income [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancialIncomeFromNonFinancialServices', window );">Financial income from non financial services</a></td>
<td class="nump">&#8364; 354<span></span>
</td>
<td class="nump">&#8364; 347<span></span>
</td>
<td class="nump">&#8364; 284<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_RevenueAndOperatingIncome', window );">Other operating income</a></td>
<td class="nump">269<span></span>
</td>
<td class="nump">272<span></span>
</td>
<td class="nump">244<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">&#8364; 623<span></span>
</td>
<td class="nump">&#8364; 619<span></span>
</td>
<td class="nump">&#8364; 528<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureOfOtherOperatingIncomeLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Other operating 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_DisclosureOfOtherOperatingIncomeLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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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_bbva_FinancialIncomeFromNonFinancialServices">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 income from non financial services</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_FinancialIncomeFromNonFinancialServices</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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>
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<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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<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>
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<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_RevenueAndOperatingIncome">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of the entity's revenue and other operating income. [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/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<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_RevenueAndOperatingIncome</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<FILENAME>R248.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535744048">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 42 Other operating expense (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_DisclosureOfOtherOperatingExpenseLineItems', window );"><strong>Disclosure of other operating expense [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangeInInventories', window );">Change in inventories</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 165<span></span>
</td>
<td class="nump">&#8364; 151<span></span>
</td>
<td class="nump">&#8364; 134<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_ContributionToGuaranteedBanksDepositsFunds', window );">Contribution To Guaranteed Banks Deposits Funds</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">636<span></span>
</td>
<td class="nump">1,017<span></span>
</td>
<td class="nump">997<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_HiperinflationAdjustmentsOtherOperatingExpense', window );">Hiperinflation Adjustments other operating expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">1,775<span></span>
</td>
<td class="nump">2,007<span></span>
</td>
<td class="nump">1,687<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_OtherOperatingExpense', window );">Other operating expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">1,374<span></span>
</td>
<td class="nump">867<span></span>
</td>
<td class="nump">620<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_MiscellaneousOtherOperatingExpense', window );">Miscellaneous other operating expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 3,951<span></span>
</td>
<td class="nump">&#8364; 4,042<span></span>
</td>
<td class="nump">&#8364; 3,438<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) In 2024, no contributions were made to the European Single Resolution Fund (SRF) since the constitution phase of the fund has been completed. Likewise, the Deposits Guarantee Fund of Credit Institutions in Spain reached in 2023 the minimum coverage level established by the European Regulation with respect to covered deposits, so that no additional contribution was necessary for this purpose during 2024, although prior contributions are maintained.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) For the year ended December 31, 2024 it includes &#8364;1,419 million related to Argentina and &#8364;348 million related to Turkey. For the year ended December 31, 2023 it included &#8364;1,062 million related to Argentina and &#8364;916 million related to Turkey. For the year ended December 31, 2022, it included &#8364;822 million related to Argentina and &#8364;832 million related to Turkey (see Note 2.2.18).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(3) For the year ended December 2024 and 2023, it includes &#8364;285 and &#8364;215 million, respectively, corresponding to the total annual amount disbursed under the temporary tax on credit institutions and financial credit establishments, according to Law 38/2022 of December 27, 2022 (see Note 19.6). The change compared to 2023 is mainly as a result of higher taxes in various geographies due to increased activity.</span></div></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_ChangeInInventories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Change in inventories</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_ChangeInInventories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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_bbva_ContributionToGuaranteedBanksDepositsFunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Contribution To Guaranteed Banks Deposits Funds</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_ContributionToGuaranteedBanksDepositsFunds</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureOfOtherOperatingExpenseLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of other operating expense</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_DisclosureOfOtherOperatingExpenseLineItems</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_HiperinflationAdjustmentsOtherOperatingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Hiperinflation Adjustments other operating expense</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_HiperinflationAdjustmentsOtherOperatingExpense</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_OtherOperatingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 operating expense</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_OtherOperatingExpense</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_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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>268
<FILENAME>R249.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533822688">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 43 Insurance And Reinsurance Contracts In Income And Expense (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[2]</sup></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_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems', window );"><strong>Insurance and reinsurance contracts in income and expense [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 colspan="2" class="text">&#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_IncomeArisingFromInsuranceContracts', window );">Income arising from insurance contracts</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 3,720<span></span>
</td>
<td class="nump">&#8364; 3,081<span></span>
</td>
<td colspan="2" class="nump">&#8364; 2,622<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_ExpenseArisingFromInsuranceContracts', window );">Expense arising from insurance contracts</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,238)<span></span>
</td>
<td class="num">(1,821)<span></span>
</td>
<td colspan="2" class="num">(1,547)<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_NetIncomeArisingFromInsuranceContracts', window );">Net income arising from insurance contracts</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 1,482<span></span>
</td>
<td class="nump">&#8364; 1,261<span></span>
</td>
<td colspan="2" class="nump">&#8364; 1,075<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_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>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_ExpenseArisingFromInsuranceContracts</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_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>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_IncomeArisingFromInsuranceContracts</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_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 and reinsurance contracts in income and expense</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_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems</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_NetIncomeArisingFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 income arising from insurance contracts</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_NetIncomeArisingFromInsuranceContracts</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>269
<FILENAME>R250.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360571997872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 43 Income by type of insurance product (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_IncomeByTypeOfInsuranceProductLineItems', window );"><strong>Income by type of insurance product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_IncomeByTypeOfInsuranceProducts', window );">Income by type of insurance products</a></td>
<td class="nump">&#8364; 1,482<span></span>
</td>
<td class="nump">&#8364; 1,261<span></span>
</td>
<td colspan="2" class="nump">&#8364; 1,075<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_bbva_InsuranceTypologyAxis=bbva_LifeInsuranceContractsMember', window );">Life insurance contracts [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_IncomeByTypeOfInsuranceProductLineItems', window );"><strong>Income by type of insurance product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_IncomeByTypeOfInsuranceProducts', window );">Income by type of insurance products</a></td>
<td class="nump">752<span></span>
</td>
<td class="nump">617<span></span>
</td>
<td colspan="2" class="nump">649<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_bbva_InsuranceTypologyAxis=bbva_IndividualLifeInsuranceContractsMember', window );">Individual life insurance contracts [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_IncomeByTypeOfInsuranceProductLineItems', window );"><strong>Income by type of insurance product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_IncomeByTypeOfInsuranceProducts', window );">Income by type of insurance products</a></td>
<td class="nump">656<span></span>
</td>
<td class="nump">590<span></span>
</td>
<td colspan="2" class="nump">573<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_bbva_InsuranceTypologyAxis=bbva_GroupInsuranceLifeInsuranceContractsMember', window );">Group insurance life insurance contracts [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_IncomeByTypeOfInsuranceProductLineItems', window );"><strong>Income by type of insurance product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_IncomeByTypeOfInsuranceProducts', window );">Income by type of insurance products</a></td>
<td class="nump">96<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td colspan="2" class="nump">76<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_bbva_InsuranceTypologyAxis=bbva_NonlifeInsuranceContractsMember', window );">Non-life insurance contracts [member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_IncomeByTypeOfInsuranceProductLineItems', window );"><strong>Income by type of insurance product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_IncomeByTypeOfInsuranceProducts', window );">Income by type of insurance products</a></td>
<td class="nump">730<span></span>
</td>
<td class="nump">643<span></span>
</td>
<td colspan="2" class="nump">426<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_bbva_InsuranceTypologyAxis=bbva_HomeInsuranceNonLifeInsuranceContractsMember', window );">Home insurance non life insurance contracts [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_IncomeByTypeOfInsuranceProductLineItems', window );"><strong>Income by type of insurance product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#160;<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_IncomeByTypeOfInsuranceProducts', window );">Income by type of insurance products</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_InsuranceTypologyAxis=bbva_OtherNonLifeInsuranceProductsMember', window );">Other non life insurance products [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_IncomeByTypeOfInsuranceProductLineItems', window );"><strong>Income by type of insurance product [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_IncomeByTypeOfInsuranceProducts', window );">Income by type of insurance products</a></td>
<td class="nump">&#8364; 730<span></span>
</td>
<td class="nump">&#8364; 643<span></span>
</td>
<td colspan="2" class="nump">&#8364; 426<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_IncomeByTypeOfInsuranceProductLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Income by type of insurance product</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_IncomeByTypeOfInsuranceProductLineItems</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_IncomeByTypeOfInsuranceProducts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Income by type of insurance products</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_IncomeByTypeOfInsuranceProducts</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_InsuranceTypologyAxis=bbva_LifeInsuranceContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InsuranceTypologyAxis=bbva_LifeInsuranceContractsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InsuranceTypologyAxis=bbva_IndividualLifeInsuranceContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InsuranceTypologyAxis=bbva_IndividualLifeInsuranceContractsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InsuranceTypologyAxis=bbva_GroupInsuranceLifeInsuranceContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InsuranceTypologyAxis=bbva_GroupInsuranceLifeInsuranceContractsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InsuranceTypologyAxis=bbva_NonlifeInsuranceContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InsuranceTypologyAxis=bbva_NonlifeInsuranceContractsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InsuranceTypologyAxis=bbva_HomeInsuranceNonLifeInsuranceContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InsuranceTypologyAxis=bbva_HomeInsuranceNonLifeInsuranceContractsMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InsuranceTypologyAxis=bbva_OtherNonLifeInsuranceProductsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_InsuranceTypologyAxis=bbva_OtherNonLifeInsuranceProductsMember</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>
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</div>
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<TEXT>
<html>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534120032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 44 Personnel Expenses Breakdown (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_PersonnelExpensesLineItems', window );"><strong>Personnel expenses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" 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_WagesAndSalaries', window );">Wages and salaries</a></td>
<td class="nump">&#8364; 5,937<span></span>
</td>
<td class="nump">&#8364; 5,068<span></span>
</td>
<td colspan="2" class="nump">&#8364; 4,310<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_SocialSecurityContributions', window );">Social security contributions</a></td>
<td class="nump">1,007<span></span>
</td>
<td class="nump">834<span></span>
</td>
<td colspan="2" class="nump">708<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_PostemploymentBenefitExpenseDefinedContributionPlans', window );">Post-employment benefit expense, defined contribution plans</a></td>
<td class="nump">158<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td colspan="2" class="nump">87<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_DefinedBenefitPlanExpense', window );">Defined benefit plan expense</a></td>
<td class="nump">51<span></span>
</td>
<td class="nump">49<span></span>
</td>
<td colspan="2" class="nump">42<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_OtherEmployeeExpense', window );">Other employee expense</a></td>
<td class="nump">506<span></span>
</td>
<td class="nump">440<span></span>
</td>
<td colspan="2" class="nump">454<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_EmployeeBenefitsExpense', window );">Employee benefits expense</a></td>
<td class="nump">&#8364; 7,659<span></span>
</td>
<td class="nump">&#8364; 6,530<span></span>
</td>
<td colspan="2" class="nump">&#8364; 5,601<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_DefinedBenefitPlanExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined benefit plan expense</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_DefinedBenefitPlanExpense</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_PersonnelExpensesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Personnel expenses</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_PersonnelExpensesLineItems</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_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 2024-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 104<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherEmployeeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 employee expenses 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 19<br> -IssueDate 2024-01-01<br> -Paragraph 5<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherEmployeeExpense</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>
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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>The amount of post-employment benefit expense relating to defined contribution plans. Defined contribution plans are post-employment benefit plans under which an entity pays fixed contributions into a separate entity (a fund) and will have no legal or constructive obligation to pay further contributions if the fund does not hold sufficient assets to pay all employee benefits relating to employee service in the current and prior periods.</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 19<br> -IssueDate 2024-01-01<br> -Paragraph 53<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_53&amp;doctype=Standard<br> -URIDate 2024-03-27<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_PostemploymentBenefitExpenseDefinedContributionPlans</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>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SocialSecurityContributions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 class of employee benefits expense that represents social security contributions. [Refer: Employee benefits 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 19<br> -IssueDate 2024-01-01<br> -Paragraph 9<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_9&amp;doctype=Standard<br> -URIDate 2024-03-27<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_SocialSecurityContributions</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_WagesAndSalaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 class of employee benefits expense that represents wages and salaries. [Refer: Employee benefits 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 19<br> -IssueDate 2024-01-01<br> -Paragraph 9<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_9&amp;doctype=Standard<br> -URIDate 2024-03-27<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_WagesAndSalaries</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>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535250208">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 44 Administrative expenses (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><sup>[1]</sup></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_DisclosureOfOtherAdministrativeExpenseLineItems', window );"><strong>Disclosure of Other administrative expense [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_TechnologyAndSystems', window );">Technology and systems</a></td>
<td class="nump">&#8364; 1,732<span></span>
</td>
<td class="nump">&#8364; 1,512<span></span>
</td>
<td colspan="2" class="nump">&#8364; 1,391<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_CommunicationExpense', window );">Communication expense</a></td>
<td class="nump">261<span></span>
</td>
<td class="nump">219<span></span>
</td>
<td colspan="2" class="nump">195<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_AdvertisingExpense', window );">Advertising expense</a></td>
<td class="nump">441<span></span>
</td>
<td class="nump">349<span></span>
</td>
<td colspan="2" class="nump">266<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_PropertyFixturesAndMaterialsExpense', window );">Property Fixtures And Materials expense</a></td>
<td class="nump">577<span></span>
</td>
<td class="nump">520<span></span>
</td>
<td colspan="2" class="nump">440<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_TaxesOtherThanIncomeTax', window );">Taxes Other Than Income Tax</a></td>
<td class="nump">481<span></span>
</td>
<td class="nump">451<span></span>
</td>
<td colspan="2" class="nump">370<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_SurveillanceAndSecurityServiceExpense', window );">Surveillance and security service expense</a></td>
<td class="nump">255<span></span>
</td>
<td class="nump">234<span></span>
</td>
<td colspan="2" class="nump">214<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_OtherExpenseByNature', window );">Other expenses</a></td>
<td class="nump">1,253<span></span>
</td>
<td class="nump">1,090<span></span>
</td>
<td colspan="2" class="nump">897<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">&#8364; 5,001<span></span>
</td>
<td class="nump">&#8364; 4,375<span></span>
</td>
<td colspan="2" class="nump">&#8364; 3,773<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="margin-bottom:6pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></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_DisclosureOfOtherAdministrativeExpenseLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Other administrative expense</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_DisclosureOfOtherAdministrativeExpenseLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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_PropertyFixturesAndMaterialsExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Fixtures And Materials expense</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_PropertyFixturesAndMaterialsExpense</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
</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_SurveillanceAndSecurityServiceExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Surveillance and security service expense</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_SurveillanceAndSecurityServiceExpense</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_TaxesOtherThanIncomeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Taxes Other Than Income Tax</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_TaxesOtherThanIncomeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
</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_TechnologyAndSystems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Technology and systems</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_TechnologyAndSystems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdvertisingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 advertising.</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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_AdvertisingExpense</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_CommunicationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 communication.</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 2024-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2024-03-27<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_CommunicationExpense</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_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 2024-01-01<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-2024-en-r&amp;anchor=para_35_b_vii&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherExpenseByNature">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 'nature of expense' form for its analysis of expenses. [Refer: Expenses, by nature]</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 2024-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2024-03-27<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_OtherExpenseByNature</td>
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<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>debit</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360563607376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 45 Depreciation And Amortisation Expense (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_DepreciationLineItems', window );"><strong>Depreciation [Line Items]</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="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="nump">&#8364; 1,533<span></span>
</td>
<td class="nump">&#8364; 1,403<span></span>
</td>
<td class="nump">&#8364; 1,328<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_bbva_DepreciableAssetsAxis=bbva_TangibleAssetsMember', window );">Tangible assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DepreciationLineItems', window );"><strong>Depreciation [Line Items]</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="re">
<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="nump">972<span></span>
</td>
<td class="nump">867<span></span>
</td>
<td class="nump">818<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_bbva_DepreciableAssetsAxis=bbva_ForOwnUseDepreciableAssetsMember', window );">For own use depreciable assets [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DepreciationLineItems', window );"><strong>Depreciation [Line Items]</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="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="nump">623<span></span>
</td>
<td class="nump">547<span></span>
</td>
<td class="nump">501<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_bbva_DepreciableAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right of use assets [Member]</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DepreciationLineItems', window );"><strong>Depreciation [Line Items]</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="re">
<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="nump">343<span></span>
</td>
<td class="nump">317<span></span>
</td>
<td class="nump">312<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_bbva_DepreciableAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property [member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_DepreciationLineItems', window );"><strong>Depreciation [Line Items]</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="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="nump">5<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">5<span></span>
</td>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_DepreciationLineItems', window );"><strong>Depreciation [Line Items]</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="re">
<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="nump">&#8364; 561<span></span>
</td>
<td class="nump">&#8364; 536<span></span>
</td>
<td class="nump">&#8364; 510<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Depreciation</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_DepreciationLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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 );">- 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 2024-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2024-01-01<br> -Paragraph 23<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_23_e&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2024-01-01<br> -Paragraph B13<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_B13_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2024-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2024-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2024-01-01<br> -Paragraph 104<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2024-03-27<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>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<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>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<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;">bbva_DepreciableAssetsAxis=bbva_IntanbileAssetsMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>273
<FILENAME>R254.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360533992560">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 46 Provisions or reversal of provisions (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_ProvisionsOrReversalOfProvisionsLineItems', window );"><strong>Provisions or reversal of provisions [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions', window );">Pensions And Other Post Employment Defined Benefit Obligations Provisions</a></td>
<td class="nump">&#8364; 3<span></span>
</td>
<td class="nump">&#8364; 31<span></span>
</td>
<td class="num">&#8364; (89)<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_CommitmentsAndGuaranteesGiven', window );">Commitments And Guarantees Given</a></td>
<td class="num">(84)<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td class="nump">87<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_PendingLegalIssuesAndTaxLitigation', window );">Pending Legal Issues And Tax Litigation</a></td>
<td class="nump">191<span></span>
</td>
<td class="nump">171<span></span>
</td>
<td class="nump">210<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_OtherProvisionsOrReversalOfProvisions', window );">Other provisions</a></td>
<td class="nump">88<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td class="nump">84<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_ProvisionsOrReversalOfProvisions', window );">Provisions or reversal of provisions</a></td>
<td class="nump">&#8364; 198<span></span>
</td>
<td class="nump">&#8364; 373<span></span>
</td>
<td class="nump">&#8364; 291<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CommitmentsAndGuaranteesGiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>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_CommitmentsAndGuaranteesGiven</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_OtherProvisionsOrReversalOfProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Provisions 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_OtherProvisionsOrReversalOfProvisions</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_PendingLegalIssuesAndTaxLitigation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Pending Legal Issues And Tax Litigation</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_PendingLegalIssuesAndTaxLitigation</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_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Pensions And Other Post Employment Defined Benefit Obligations 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_PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions</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_ProvisionsOrReversalOfProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_ProvisionsOrReversalOfProvisions</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_ProvisionsOrReversalOfProvisionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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_ProvisionsOrReversalOfProvisionsLineItems</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>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>274
<FILENAME>R255.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360526738352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 47 Impairment Or Reversal Of Impairment On Financial Assets Not Measured At Fair Value Through Profit Or Loss (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems', window );"><strong>Disclosure of Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Impairment Financial Assets Measured At Fair Value Through Other Comprehensive Income</a></td>
<td class="nump">&#8364; 58<span></span>
</td>
<td class="nump">&#8364; 42<span></span>
</td>
<td class="nump">&#8364; 76<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_GainsLossesOnFinancialAssetsAtAmortisedCost', window );">Gains (losses) on financial assets at amortised cost</a></td>
<td class="nump">5,687<span></span>
</td>
<td class="nump">4,386<span></span>
</td>
<td class="nump">3,303<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_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff', window );">Gain on recovery of loans and advances previously written off</a></td>
<td class="num">(403)<span></span>
</td>
<td class="num">(369)<span></span>
</td>
<td class="num">(390)<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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification', window );">Impairment loss on financial assets</a></td>
<td class="nump">&#8364; 5,745<span></span>
</td>
<td class="nump">&#8364; 4,428<span></span>
</td>
<td class="nump">&#8364; 3,379<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Impairment or reversal of impairment on financial assets not measured 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_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems</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_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 loss on 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_ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome</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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 financial assets not measured at fair value through profit or loss or net gains by modification</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_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification</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_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 gain on the recovery of loans and advances previously written off.</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 2024-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 measured at amortised cost. [Refer: Financial assets at amortised cost]</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 2024-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_20_a_vi&amp;doctype=Standard<br> -URIDate 2024-03-27<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_GainsLossesOnFinancialAssetsAtAmortisedCost</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360537458992">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 49 Impairment Or Reversal Of Impairment On Non Financial Assets (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems', window );"><strong>Disclosure of Impairment Or Reversal Of Impairment On Non Financial Assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Impairment tangible assets</a></td>
<td class="num">&#8364; (29)<span></span>
</td>
<td class="nump">&#8364; 16<span></span>
</td>
<td class="num">&#8364; (53)<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_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill', window );">Impairment loss recognised in profit or loss, intangible assets and goodwill</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">25<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_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets', window );">Impairment or reversal of impairment on other non financial assets</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">55<span></span>
</td>
</tr>
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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_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets', window );">Impairment or reversal of impairment on non financial assets</a></td>
<td class="num">&#8364; (1)<span></span>
</td>
<td class="nump">&#8364; 54<span></span>
</td>
<td class="nump">&#8364; 27<span></span>
</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of 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_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems</td>
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<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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssets</td>
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<td><strong> Period Type:</strong></td>
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<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 other 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_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets</td>
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<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 and goodwill. [Refer: Impairment loss recognised in profit or loss; Intangible assets and 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 38<br> -IssueDate 2024-01-01<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-2024-en-r&amp;anchor=para_118_e_iv&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<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 class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 reversal of impairment loss recognised in profit or loss for property, plant and equipment including right-of-use assets. [Refer: Reversal of impairment loss recognised in profit or loss; Property, plant and equipment including right-of-use 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 16<br> -IssueDate 2024-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_73_e&amp;doctype=Standard<br> -URIDate 2024-03-27<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_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets</td>
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<td>na</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360616611776">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 50 Profit Or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems', window );"><strong>Disclosure of Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations [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>
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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_NetGainsLossOnSalesOfRealState', window );">Net Gains Loss On Sales Of Real State</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 66<span></span>
</td>
<td class="nump">&#8364; 64<span></span>
</td>
<td class="nump">&#8364; 102<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_ImpairmentOfNonCurrentAssetsHeldForSale', window );">Impairment Of Non Current Assets Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(83)<span></span>
</td>
<td class="num">(42)<span></span>
</td>
<td class="num">(221)<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_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale', window );">Gains losses on sale of investments classified as non current assets 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">11<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_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale', window );">Gains losses on sale of equity instruments classified as non current assets 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">0<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_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations', window );">Gains (losses) from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">&#8364; (17)<span></span>
</td>
<td class="nump">&#8364; 22<span></span>
</td>
<td class="num">&#8364; (108)<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) <span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">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: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 the BBVA Group (see Note 17).</span></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of 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_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems</td>
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<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:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (losses) 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_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains losses on sale of equity instruments classified as 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_GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale</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_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 sale of investments classified as 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_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale</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_ImpairmentOfNonCurrentAssetsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Of 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_ImpairmentOfNonCurrentAssetsHeldForSale</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_NetGainsLossOnSalesOfRealState">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Gains Loss On Sales Of Real State</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_NetGainsLossOnSalesOfRealState</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>
</div>
</body>
</html>
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<DOCUMENT>
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<FILENAME>R258.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535314016">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 51 Liabilities from financing activities (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_FinancingActivitiesLiabilitiesLineItems', window );"><strong>Financing activities 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="ro">
<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">&#8364; 68,707<span></span>
</td>
<td class="nump">&#8364; 55,429<span></span>
</td>
<td class="nump">&#8364; 55,763<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_SubordinatedCertificates', window );">Subordinated certificates</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">15,832<span></span>
</td>
<td class="nump">12,485<span></span>
</td>
<td class="nump">14,794<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_DebtSecurities', window );">Debt instruments issued</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">69,867<span></span>
</td>
<td class="nump">68,707<span></span>
</td>
<td class="nump">55,429<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_SubordinatedCertificates', window );">Subordinated certificates</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">19,556<span></span>
</td>
<td class="nump">15,832<span></span>
</td>
<td class="nump">12,485<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_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis=bbva_DebtCertificatesMember', window );">Debt certificates [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancingActivitiesLiabilitiesLineItems', window );"><strong>Financing activities 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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CashFlowsLiabilitiesFromFinancingActivities', window );">Cash flows liabilities from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">627<span></span>
</td>
<td class="nump">13,283<span></span>
</td>
<td class="num">(678)<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_NonCashChangesLiabilitiesFromFinancingActivities', window );">Non-cash changes liabilities from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">532<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="nump">344<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_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis=bbva_DebtCertificatesMember', window );">Debt certificates [Member] | Non-cash changes in liabilities from acquisition [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancingActivitiesLiabilitiesLineItems', window );"><strong>Financing activities 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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCashChangesLiabilitiesFromFinancingActivities', window );">Non-cash changes liabilities from 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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis=bbva_DebtCertificatesMember', window );">Debt certificates [Member] | Non-cash changes in liabilities from disposal [Member]</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_bbva_FinancingActivitiesLiabilitiesLineItems', window );"><strong>Financing activities 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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCashChangesLiabilitiesFromFinancingActivities', window );">Non-cash changes liabilities from 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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis=bbva_DebtCertificatesMember', window );">Debt certificates [Member] | Non-cash changes from disposals by companies held for sale [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancingActivitiesLiabilitiesLineItems', window );"><strong>Financing activities 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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCashChangesLiabilitiesFromFinancingActivities', window );">Non-cash changes liabilities from 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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis=bbva_DebtCertificatesMember', window );">Debt certificates [Member] | Non-cash changes from foreign exchange movements [Member]</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_bbva_FinancingActivitiesLiabilitiesLineItems', window );"><strong>Financing activities 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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCashChangesLiabilitiesFromFinancingActivities', window );">Non-cash changes liabilities from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">532<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="nump">344<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_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis=bbva_DebtCertificatesMember', window );">Debt certificates [Member] | Non-cash changes in liabilities from fair value changes [Member]</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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FinancingActivitiesLiabilitiesLineItems', window );"><strong>Financing activities 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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCashChangesLiabilitiesFromFinancingActivities', window );">Non-cash changes liabilities from 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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis=bbva_SubordinatedLiabilitiesMember', window );">Subordinated liabilities [Member]</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_bbva_FinancingActivitiesLiabilitiesLineItems', window );"><strong>Financing activities 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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_CashFlowsLiabilitiesFromFinancingActivities', window );">Cash flows liabilities from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">3,303<span></span>
</td>
<td class="nump">3,388<span></span>
</td>
<td class="num">(1,945)<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_NonCashChangesLiabilitiesFromFinancingActivities', window );">Non-cash changes liabilities from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">421<span></span>
</td>
<td class="num">(40)<span></span>
</td>
<td class="num">(364)<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_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis=bbva_SubordinatedLiabilitiesMember', window );">Subordinated liabilities [Member] | Non-cash changes in liabilities from acquisition [Member]</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_bbva_FinancingActivitiesLiabilitiesLineItems', window );"><strong>Financing activities 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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_NonCashChangesLiabilitiesFromFinancingActivities', window );">Non-cash changes liabilities from financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_ChangesInLiabilitiesFromFinancingActivitiesAxis=bbva_SubordinatedLiabilitiesMember', window );">Subordinated liabilities [Member] | Non-cash changes in liabilities from disposal [Member]</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="re">
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<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"><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:120%">(1) There were &#8364;56, &#8364;35 and &#8364;24 million of subordinated deposits as of December 31, 2024, 2023 and 2022, respectively (see Note 22.4). In addition, there were coupon payments on subordinated liabilities for &#8364;388, &#8364;345 and &#8364;313 million in 2024, 2023 and 2022, respectively. Appendix VI details the outstanding subordinated debt issued by their nominal value.</span></div></td>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CashFlowsLiabilitiesFromFinancingActivities">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cash flows liabilities from 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_CashFlowsLiabilitiesFromFinancingActivities</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing activities 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_FinancingActivitiesLiabilitiesLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non-cash changes liabilities from 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_NonCashChangesLiabilitiesFromFinancingActivities</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>Subordinated certificates</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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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">
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<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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</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>
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<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;">bbva_NonCashChangesFromFinancingActivitiesAxis=bbva_NonCashChangesInLiabilitiesFromDisposalsByCompaniesHeldForSaleMember</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;">bbva_NonCashChangesFromFinancingActivitiesAxis=bbva_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember</td>
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<tr>
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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;">bbva_NonCashChangesFromFinancingActivitiesAxis=bbva_NonCashChangesInLiabilitiesFromFairValueChangesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 52 Fees for audits conducted and other related services (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
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<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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_bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems', window );"><strong>Fees for audits conducted and other related services [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit', window );">Audits of the companies audited by firms belonging to the EY worldwide organization and other reports related with the audit</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">&#8364; 32.8<span></span>
</td>
<td class="nump">&#8364; 28.5<span></span>
</td>
<td class="nump">&#8364; 24.8<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_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY', window );">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 EY</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">1.5<span></span>
</td>
<td class="nump">1.4<span></span>
</td>
<td class="nump">1.0<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_FeesForAuditsConductedByOtherFirms', window );">Fees for audits conducted by other firms</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">&#8364; 0.1<span></span>
</td>
<td class="nump">&#8364; 0.1<span></span>
</td>
<td class="nump">&#8364; 0.1<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(2) Including fees pertaining to annual legal audits (&#8364;26.0 million as of December 31, 2024).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Regardless of the billed year.</span></div></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_AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Audits of the companies audited by firms belonging to the EY worldwide organization and other reports related with the audit</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_AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit</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_FeesForAuditsConductedAndOtherRelatedServicesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fees for audits conducted and other related services</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_FeesForAuditsConductedAndOtherRelatedServicesLineItems</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_FeesForAuditsConductedByOtherFirms">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fees for audits conducted by other firms</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_FeesForAuditsConductedByOtherFirms</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_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 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 EY</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_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>279
<FILENAME>R260.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534778176">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 52 Other services rendered (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_OtherServicesRenderedLineItems', window );"><strong>Other services rendered [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_FirmsBelongingToTheEYWorldwideOrganization', window );">Firms belonging to the EY worldwide organization</a></td>
<td class="nump">&#8364; 0.2<span></span>
</td>
<td class="nump">&#8364; 0.2<span></span>
</td>
<td class="nump">&#8364; 0.1<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FirmsBelongingToTheEYWorldwideOrganization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Firms belonging to the EY worldwide organization</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_FirmsBelongingToTheEYWorldwideOrganization</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_OtherServicesRenderedLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 services rendered</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_OtherServicesRenderedLineItems</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>280
<FILENAME>R261.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360539741776">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 52 Fees for audits conducted (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_FeesForAuditsConductedLineItems', window );"><strong>Fees for audits conducted [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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LegalAuditOfBbvaSaOrItsCompaniesUnderControl', window );">Legal audit of bbva sa or its companies under control</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 8.5<span></span>
</td>
<td class="nump">&#8364; 7.9<span></span>
</td>
<td class="nump">&#8364; 7.6<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_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl', window );">Other audit services of bbva sa or its companies under control</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">5.6<span></span>
</td>
<td class="nump">5.4<span></span>
</td>
<td class="nump">5.2<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_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl', window );">Limited review of bbva sa or its companies under control</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2.0<span></span>
</td>
<td class="nump">1.9<span></span>
</td>
<td class="nump">1.4<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_ReportsRelatedToIssuances', window );">Reports related to issuances</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1.2<span></span>
</td>
<td class="nump">1.0<span></span>
</td>
<td class="nump">0.4<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_AssuranceServicesAndOtherRequiredByTheRegulator', window );">Assurance services and other required by the regulator</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 1.2<span></span>
</td>
<td class="nump">&#8364; 0.8<span></span>
</td>
<td class="nump">&#8364; 0.8<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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Services provided by Ernst &amp; Young, S.L. to companies located in Spain, to the branch of BBVA in New York, the branch of BBVA in London and the branch of BBVA in Frankfurt.</span></div></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_AssuranceServicesAndOtherRequiredByTheRegulator">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Assurance services and other required by the regulator</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_AssuranceServicesAndOtherRequiredByTheRegulator</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_FeesForAuditsConductedLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fees for audits conducted</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_FeesForAuditsConductedLineItems</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_LegalAuditOfBbvaSaOrItsCompaniesUnderControl">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Legal audit of bbva sa or its companies under control</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_LegalAuditOfBbvaSaOrItsCompaniesUnderControl</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_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Limited review of bbva sa or its companies under control</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_LimitedReviewOfBbvaSaOrItsCompaniesUnderControl</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_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 audit services of bbva sa or its companies under control</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_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl</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_ReportsRelatedToIssuances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reports related to issuances</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_ReportsRelatedToIssuances</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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360572326128">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 53 Balances Arising From Transactions With Entities Of The Group Explanatory (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th" colspan="2"><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_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</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="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="nump">&#8364; 447,646<span></span>
</td>
<td class="nump">&#8364; 413,487<span></span>
</td>
<td class="nump">&#8364; 394,404<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></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_CategoriesOfRelatedPartiesAxis=ifrs-full_ClassesOfAssetsDomain', window );">Classes of assets [Domain]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</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="fn" style="border-bottom: 0px;"></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="nump">13<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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="nump">639<span></span>
</td>
<td class="nump">791<span></span>
</td>
<td class="nump">1,842<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup', window );">Debt securities arising from transactions with entities of the Group</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CategoriesOfRelatedPartiesAxis=ifrs-full_ClassesOfLiabilitiesDomain', window );">Classes of liabilities [domain]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</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="fn" style="border-bottom: 0px;"></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_DepositsFromCreditInstitutions', window );">Deposits from credit institutions</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_DepositsFromCustomersAtAmortisedCost', window );">Deposits from customers</a></td>
<td class="nump">160<span></span>
</td>
<td class="nump">134<span></span>
</td>
<td class="nump">204<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_CategoriesOfRelatedPartiesAxis=bbva_MemorandumAccountsMember', window );">Memorandum accounts [Member]</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="fn" style="border-bottom: 0px;"></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_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</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="fn" style="border-bottom: 0px;"></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_FinancialGuaranteesGivenRelatedPartyTransactions', window );">Financial Guarantees Given Related Party Transactions</a></td>
<td class="nump">171<span></span>
</td>
<td class="nump">177<span></span>
</td>
<td class="nump">136<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_OtherCommitmentsGivenRelatedPartyTransactions', window );">Other Commitments Given Related Party Transactions</a></td>
<td class="nump">784<span></span>
</td>
<td class="nump">595<span></span>
</td>
<td class="nump">751<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_LoanCommitmentsGivenRelatedPartyTransactions', window );">Loan commitments given related party transactions</a></td>
<td class="nump">&#8364; 117<span></span>
</td>
<td class="nump">&#8364; 119<span></span>
</td>
<td class="nump">&#8364; 10<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).</span></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_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 arising from transactions with entities of the Group</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_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup</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_DepositsFromCreditInstitutions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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</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_DepositsFromCreditInstitutions</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_FinancialGuaranteesGivenRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Related Party Transactions</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_FinancialGuaranteesGivenRelatedPartyTransactions</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_LoanCommitmentsGivenRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loan commitments given related party transactions</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_LoanCommitmentsGivenRelatedPartyTransactions</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_OtherCommitmentsGivenRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 Commitments Given Related Party Transactions</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_OtherCommitmentsGivenRelatedPartyTransactions</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_DepositsFromCustomersAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 at amortised cost. [Refer: Financial liabilities at amortised cost]</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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_DepositsFromCustomersAtAmortisedCost</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_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of 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;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</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_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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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 2024-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2024-03-27<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_CategoriesOfRelatedPartiesAxis=ifrs-full_ClassesOfAssetsDomain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_CategoriesOfRelatedPartiesAxis=ifrs-full_ClassesOfAssetsDomain</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_ClassesOfLiabilitiesDomain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_CategoriesOfRelatedPartiesAxis=ifrs-full_ClassesOfLiabilitiesDomain</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=bbva_MemorandumAccountsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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_CategoriesOfRelatedPartiesAxis=bbva_MemorandumAccountsMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>282
<FILENAME>R263.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360601518400">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 53 Balance of income statement arising from transactions with entities of the group (Details) - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<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_bbva_ProfitAndLossRelatedPartyTransactionsLineItems', window );"><strong>Profit and loss related party transactions [Line Items]</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions', window );">Interest Income And Other Similar Interests Related Party Transactions</a></td>
<td class="nump">&#8364; 37<span></span>
</td>
<td class="nump">&#8364; 44<span></span>
</td>
<td class="nump">&#8364; 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_InterestExpenseRelatedPartyTransactions', window );">Interest Expense Related Party Transactions</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">2<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_FeeAndCommissionIncomeRelatedPartiesTransactions', window );">Fee and commission income related parties transactions</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">5<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_FeeAndCommissionExpenseRelatedPartyTransactions', window );">Fee And Commission Expense Related Party Transactions</a></td>
<td class="nump">&#8364; 55<span></span>
</td>
<td class="nump">&#8364; 49<span></span>
</td>
<td class="nump">&#8364; 40<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FeeAndCommissionExpenseRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fee And Commission Expense Related Party Transactions</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_FeeAndCommissionExpenseRelatedPartyTransactions</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_FeeAndCommissionIncomeRelatedPartiesTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fee and commission income related parties transactions</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_FeeAndCommissionIncomeRelatedPartiesTransactions</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_InterestExpenseRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Expense Related Party Transactions</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_InterestExpenseRelatedPartyTransactions</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_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Income And Other Similar Interests Related Party Transactions</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_InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions</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_ProfitAndLossRelatedPartyTransactionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 and loss related party transactions</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_ProfitAndLossRelatedPartyTransactionsLineItems</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>283
<FILENAME>R264.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535320496">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 53 Transactions with members of the board of directors and senior management balance at 31st december (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</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_bbva_TypeOfMembersAxis=srt_DirectorMember', window );">Director [Member]</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_bbva_NatureOfTheTransactionsLineItems', window );"><strong>Nature of the transactions [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndCreditsToRelatedParties', window );">Loans and credits to related parties</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 2,176<span></span>
</td>
<td class="nump">&#8364; 531<span></span>
</td>
<td class="nump">&#8364; 668<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_BankGuaranteesToRelatedParties', window );">Bank guarantees to related parties</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TypeOfMembersAxis=ifrs-full_RelatedPartiesMember', window );">Total for all related parties [member]</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_bbva_NatureOfTheTransactionsLineItems', window );"><strong>Nature of the transactions [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndCreditsToRelatedParties', window );">Loans and credits to related parties</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">210<span></span>
</td>
<td class="nump">243<span></span>
</td>
<td class="nump">1,880<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_BankGuaranteesToRelatedParties', window );">Bank guarantees to related parties</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_TypeOfMembersAxis=bbva_SeniorManagementMember', window );">Senior management [Member]</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_bbva_NatureOfTheTransactionsLineItems', window );"><strong>Nature of the transactions [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndCreditsToRelatedParties', window );">Loans and credits to related parties</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4,664<span></span>
</td>
<td class="nump">5,553<span></span>
</td>
<td class="nump">6,321<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_BankGuaranteesToRelatedParties', window );">Bank guarantees to related parties</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">10<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">10<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_bbva_TypeOfMembersAxis=bbva_RelatedPartiesOfSeniorManagementMember', window );">Related parties of senior management [Member]</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_bbva_NatureOfTheTransactionsLineItems', window );"><strong>Nature of the transactions [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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_bbva_LoansAndCreditsToRelatedParties', window );">Loans and credits to related parties</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">688<span></span>
</td>
<td class="nump">727<span></span>
</td>
<td class="nump">764<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_BankGuaranteesToRelatedParties', window );">Bank guarantees to related parties</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; 0<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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Excluding executive directors.</span></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Bank guarantees to related parties</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_BankGuaranteesToRelatedParties</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansAndCreditsToRelatedParties">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans and credits to related parties</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_LoansAndCreditsToRelatedParties</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>
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<tr>
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<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NatureOfTheTransactionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Nature of the transactions</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_NatureOfTheTransactionsLineItems</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_TypeOfMembersAxis=srt_DirectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfMembersAxis=srt_DirectorMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfMembersAxis=ifrs-full_RelatedPartiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfMembersAxis=ifrs-full_RelatedPartiesMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfMembersAxis=bbva_SeniorManagementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfMembersAxis=bbva_SeniorManagementMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeOfMembersAxis=bbva_RelatedPartiesOfSeniorManagementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_TypeOfMembersAxis=bbva_RelatedPartiesOfSeniorManagementMember</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>
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</div>
</body>
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<FILENAME>R265.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360564475488">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 54 Remuneration For Non Executive Directors Explanatory (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 4,250<span></span>
</td>
<td class="nump">&#8364; 4,350<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_bbva_DirectorsAxis=bbva_JosMiguelAndrsTorrecillasMember', window );">Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">625<span></span>
</td>
<td class="nump">593<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_bbva_DirectorsAxis=bbva_JaimeCaruanaLacorteMember', window );">Jaime Caruana Lacorte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">455<span></span>
</td>
<td class="nump">502<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_bbva_DirectorsAxis=bbva_EnriqueCasanuevaNardizMember', window );">Enrique Casanueva N&#225;rdiz [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">223<span></span>
</td>
<td class="nump">0<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_bbva_DirectorsAxis=bbva_SoniaDulaMember', window );">Sonia Dul&#225; [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">302<span></span>
</td>
<td class="nump">223<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_bbva_DirectorsAxis=bbva_RalGalambaDeOliveiraMember', window );">Ra&#250;l Galamba de Oliveira [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">512<span></span>
</td>
<td class="nump">461<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_bbva_DirectorsAxis=bbva_BelnGarijoLpezMember', window );">Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">378<span></span>
</td>
<td class="nump">416<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_bbva_DirectorsAxis=bbva_ConnieHedegaardMember', window );">Connie Hedegaard [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">195<span></span>
</td>
<td class="nump">173<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_bbva_DirectorsAxis=bbva_LourdesMaizCarroMember', window );">Lourdes Maiz Carro [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">238<span></span>
</td>
<td class="nump">238<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_bbva_DirectorsAxis=bbva_JosMaldonadoRamosMember', window );">Jos&#233; Maldonado Ramos [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">85<span></span>
</td>
<td class="nump">342<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_bbva_DirectorsAxis=bbva_CristinaDePariasHalconMember', window );">Cristina de Parias Halc&#243;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">167<span></span>
</td>
<td class="nump">0<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_bbva_DirectorsAxis=bbva_AnaPeraltaMorenoMember', window );">Ana Peralta Moreno [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">238<span></span>
</td>
<td class="nump">238<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_bbva_DirectorsAxis=bbva_JuanPiLlorensMember', window );">Juan Pi Llorens [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">81<span></span>
</td>
<td class="nump">361<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_bbva_DirectorsAxis=bbva_AnaRevengaShanklinMember', window );">Ana Revenga Shanklin [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">364<span></span>
</td>
<td class="nump">307<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_bbva_DirectorsAxis=bbva_SusanaRodriguezVidarteMember', window );">Susana Rodriguez Vidarte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">112<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_bbva_DirectorsAxis=bbva_CarlosSalazarLomelnMember', window );">Carlos Salazar Lomel&#237;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[6]</sup></td>
<td class="nump">172<span></span>
</td>
<td class="nump">172<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_bbva_DirectorsAxis=bbva_JanVerplanckeMember', window );">Jan Verplancke [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">214<span></span>
</td>
<td class="nump">&#8364; 214<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,695<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Jaime Caruana Lacorte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Enrique Casanueva N&#225;rdiz [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">107<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Sonia Dul&#225; [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Ra&#250;l Galamba de Oliveira [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Connie Hedegaard [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Lourdes Maiz Carro [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Jos&#233; Maldonado Ramos [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">32<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Cristina de Parias Halc&#243;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">107<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Ana Peralta Moreno [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Juan Pi Llorens [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">32<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Ana Revenga Shanklin [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Susana Rodriguez Vidarte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Carlos Salazar Lomel&#237;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[6]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | Jan Verplancke [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">542<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">167<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Jaime Caruana Lacorte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">167<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Enrique Casanueva N&#225;rdiz [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Sonia Dul&#225; [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Ra&#250;l Galamba de Oliveira [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">167<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Connie Hedegaard [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Lourdes Maiz Carro [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Jos&#233; Maldonado Ramos [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">42<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Cristina de Parias Halc&#243;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Ana Peralta Moreno [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Juan Pi Llorens [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Ana Revenga Shanklin [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Susana Rodriguez Vidarte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Carlos Salazar Lomel&#237;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[6]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember', window );">Executive Committee members | Jan Verplancke [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">497<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">165<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Jaime Caruana Lacorte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">22<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Enrique Casanueva N&#225;rdiz [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">44<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Sonia Dul&#225; [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">66<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Ra&#250;l Galamba de Oliveira [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Connie Hedegaard [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">66<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Lourdes Maiz Carro [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">66<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Jos&#233; Maldonado Ramos [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Cristina de Parias Halc&#243;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Ana Peralta Moreno [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">66<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Juan Pi Llorens [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Ana Revenga Shanklin [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Susana Rodriguez Vidarte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Carlos Salazar Lomel&#237;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[6]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember', window );">Audit And Compliance Committee [Member] | Jan Verplancke [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">633<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Jaime Caruana Lacorte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">107<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Enrique Casanueva N&#225;rdiz [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">71<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Sonia Dul&#225; [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">107<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Ra&#250;l Galamba de Oliveira [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">214<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Connie Hedegaard [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Lourdes Maiz Carro [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Jos&#233; Maldonado Ramos [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Cristina de Parias Halc&#243;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Ana Peralta Moreno [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Juan Pi Llorens [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">27<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Ana Revenga Shanklin [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">107<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Susana Rodriguez Vidarte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Carlos Salazar Lomel&#237;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[6]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember', window );">Risk Committee [Member] | Jan Verplancke [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">293<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Jaime Caruana Lacorte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Enrique Casanueva N&#225;rdiz [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Sonia Dul&#225; [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Ra&#250;l Galamba de Oliveira [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">36<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Connie Hedegaard [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Lourdes Maiz Carro [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">43<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Jos&#233; Maldonado Ramos [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Cristina de Parias Halc&#243;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Ana Peralta Moreno [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">43<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Juan Pi Llorens [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Ana Revenga Shanklin [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">86<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Susana Rodriguez Vidarte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Carlos Salazar Lomel&#237;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[6]</sup></td>
<td class="nump">43<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember', window );">Remuneration Committee [Member] | Jan Verplancke [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">43<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">293<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">115<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Jaime Caruana Lacorte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Enrique Casanueva N&#225;rdiz [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Sonia Dul&#225; [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Ra&#250;l Galamba de Oliveira [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">46<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">46<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Connie Hedegaard [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Lourdes Maiz Carro [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Jos&#233; Maldonado Ramos [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Cristina de Parias Halc&#243;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Ana Peralta Moreno [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Juan Pi Llorens [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Ana Revenga Shanklin [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Susana Rodriguez Vidarte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Carlos Salazar Lomel&#237;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[6]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember', window );">Appointments Committee [Member] | Jan Verplancke [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">168<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Jaime Caruana Lacorte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Enrique Casanueva N&#225;rdiz [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Sonia Dul&#225; [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Ra&#250;l Galamba de Oliveira [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">43<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Connie Hedegaard [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Lourdes Maiz Carro [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Jos&#233; Maldonado Ramos [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Cristina de Parias Halc&#243;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Ana Peralta Moreno [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Juan Pi Llorens [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Ana Revenga Shanklin [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">43<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Susana Rodriguez Vidarte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Carlos Salazar Lomel&#237;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[6]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember', window );">Technology And Cybersecurity Committee [Member] | Jan Verplancke [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">43<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">130<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Jaime Caruana Lacorte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Enrique Casanueva N&#225;rdiz [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Sonia Dul&#225; [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Ra&#250;l Galamba de Oliveira [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">80<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Connie Hedegaard [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Lourdes Maiz Carro [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Jos&#233; Maldonado Ramos [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Cristina de Parias Halc&#243;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Ana Peralta Moreno [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Juan Pi Llorens [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Ana Revenga Shanklin [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Susana Rodriguez Vidarte [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Carlos Salazar Lomel&#237;n [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[6],[7]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_OtherPositionsMember', window );">Other positions [Member] | Jan Verplancke [Member]</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>
</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_RemunerationForNonExecutiveDirectorsLineItems', window );"><strong>Remuneration For Non Executive Directors [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>
</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_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[7]</sup></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><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"><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%">(1) Includes amounts corresponding to the positions on the Board and its various Committees, the composition of which was modified on April 26, 2024.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(3) Director appointed by the General Shareholders' Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><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:120%">(4) Directors who left office on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(5) Director appointed by the General Shareholders&#8217; Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. In addition, the director Cristina de Parias Halc&#243;n received in the 2024 and 2023 financial years, &#8364;72 thousand and &#8364;76 thousand, respectively, as per diems for her attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. Likewise, in 2024, she received &#8364;56 thousand and 14,697 BBVA shares corresponding to the deferred portion of 2018 and 2019 annual variable remuneration accrued in her former condition of BBVA&#8217;s member of Senior Management, including the update of its cash portion. In 2025, the last payment of the deferred portion of 2019 annual variable remuneration, including the update of its cash portion, is due to this director (&#8364;30 thousand and 7,593 BBVA shares). </span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><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:120%">(6) Director who left office on March 17, 2023. Remuneration in 2023 corresponding to the term in office in that financial year.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[6]</td>
<td style="vertical-align: top;" valign="top"><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:120%">(7) In addition, in financial years 2024 and 2023, the director Carlos Salazar Lomel&#237;n received &#8364;113 thousand and &#8364;67 thousand, respectively, as per diems for his attendance to the meetings of the management body of BBVA M&#233;xico, S.A. de C.V. and Grupo Financiero BBVA M&#233;xico, S.A. de C.V. and of the strategy forum of BBVA M&#233;xico, S.A. de CV.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[7]</td>
<td style="vertical-align: top;" valign="top"><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:120%">(2) Amounts corresponding to the positions of Deputy Chair of the Board of Directors and Lead Director.</span></div></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_RemunerationForNonExecutiveDirectorsLineItems">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Remuneration For Non Executive Directors</p></div>
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<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_KeyManagementPersonnelCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</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 compensation to key management personnel. [Refer: Key management personnel of entity or parent [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 24<br> -IssueDate 2024-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=24&amp;code=ifrs-tx-2024-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2024-03-27<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_KeyManagementPersonnelCompensation</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_bbva_DirectorsAxis=bbva_JosMiguelAndrsTorrecillasMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_JosMiguelAndrsTorrecillasMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_JaimeCaruanaLacorteMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_JaimeCaruanaLacorteMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_EnriqueCasanuevaNardizMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_EnriqueCasanuevaNardizMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_SoniaDulaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_SoniaDulaMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_RalGalambaDeOliveiraMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_RalGalambaDeOliveiraMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_BelnGarijoLpezMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_BelnGarijoLpezMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_ConnieHedegaardMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_ConnieHedegaardMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_LourdesMaizCarroMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_LourdesMaizCarroMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_JosMaldonadoRamosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_JosMaldonadoRamosMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_CristinaDePariasHalconMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_CristinaDePariasHalconMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_AnaPeraltaMorenoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_AnaPeraltaMorenoMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_JuanPiLlorensMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_JuanPiLlorensMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_AnaRevengaShanklinMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_AnaRevengaShanklinMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_SusanaRodriguezVidarteMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_SusanaRodriguezVidarteMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_CarlosSalazarLomelnMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_CarlosSalazarLomelnMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DirectorsAxis=bbva_JanVerplanckeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DirectorsAxis=bbva_JanVerplanckeMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RemunerationForNonExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_ExecutiveCommitteeMembersMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AuditAndComplianceCommitteeMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RiskCommitteeMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_RemunerationCommitteeMember</td>
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<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>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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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_AppointmentsCommitteeMember</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<td style="white-space:nowrap;">bbva_RemunerationForNonExecutiveDirectorsAxis=bbva_TechnologyAndCybersecurityCommitteeMember</td>
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<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>285
<FILENAME>R266.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534435136">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 54 Theoretical shares (Details) - shares<br></strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">95,877<span></span>
</td>
<td class="nump">129,471<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">634,254<span></span>
</td>
<td class="nump">849,685<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_bbva_DeferredShareRemunerationSystemAxis=bbva_JosMiguelAndrsTorrecillasMember', window );">Jos&#233; Miguel Andr&#233;s Torrecillas [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">13,407<span></span>
</td>
<td class="nump">16,023<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">147,455<span></span>
</td>
<td class="nump">134,048<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_bbva_DeferredShareRemunerationSystemAxis=bbva_JaimeCaruanaLacorteMember', window );">Jaime Caruana Lacorte [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">11,350<span></span>
</td>
<td class="nump">17,255<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">106,310<span></span>
</td>
<td class="nump">94,960<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_bbva_DeferredShareRemunerationSystemAxis=bbva_EnriqueCasanuevaNardizMember', window );">Enrique Casanueva N&#225;rdiz [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_DeferredShareRemunerationSystemAxis=bbva_SoniaDulaMember', window );">Sonia Dul&#225; [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
<td class="nump">5,042<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">5,042<span></span>
</td>
<td class="nump">0<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_bbva_DeferredShareRemunerationSystemAxis=bbva_RalGalambaDeOliveiraMember', window );">Ra&#250;l Galamba de Oliveira [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">10,423<span></span>
</td>
<td class="nump">10,091<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">40,191<span></span>
</td>
<td class="nump">29,768<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_bbva_DeferredShareRemunerationSystemAxis=bbva_BelnGarijoLpezMember', window );">Bel&#233;n Garijo L&#243;pez [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">9,401<span></span>
</td>
<td class="nump">10,603<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">110,593<span></span>
</td>
<td class="nump">101,192<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_bbva_DeferredShareRemunerationSystemAxis=bbva_ConnieHedegaardMember', window );">Connie Hedegaard [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">3,914<span></span>
</td>
<td class="nump">3,263<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,177<span></span>
</td>
<td class="nump">3,263<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_bbva_DeferredShareRemunerationSystemAxis=bbva_LourdesMaizCarroMember', window );">Lourdes Maiz Carro [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">5,384<span></span>
</td>
<td class="nump">7,237<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">76,977<span></span>
</td>
<td class="nump">71,593<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_bbva_DeferredShareRemunerationSystemAxis=bbva_JosMaldonadoRamosMember', window );">Jos&#233; Maldonado Ramos [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">7,735<span></span>
</td>
<td class="nump">10,397<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">146,874<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_bbva_DeferredShareRemunerationSystemAxis=bbva_CristinaDePariasHalconMember', window );">Cristina de Parias Halc&#243;n [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_DeferredShareRemunerationSystemAxis=bbva_AnaPeraltaMorenoMember', window );">Ana Peralta Moreno [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">5,384<span></span>
</td>
<td class="nump">7,237<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">47,713<span></span>
</td>
<td class="nump">42,329<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_bbva_DeferredShareRemunerationSystemAxis=bbva_JuanPiLlorensMember', window );">Juan Pi Llorens [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[4]</sup></td>
<td class="nump">8,157<span></span>
</td>
<td class="nump">13,943<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">148,542<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_bbva_DeferredShareRemunerationSystemAxis=bbva_AnaRevengaShanklinMember', window );">Ana Revenga Shanklin [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">6,947<span></span>
</td>
<td class="nump">8,035<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">31,161<span></span>
</td>
<td class="nump">24,214<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_bbva_DeferredShareRemunerationSystemAxis=bbva_SusanaRodriguezVidarteMember', window );">Susana Rodriguez Vidarte [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">13,648<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[5]</sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_bbva_DeferredShareRemunerationSystemAxis=bbva_CarlosSalazarLomelnMember', window );">Carlos Salazar Lomel&#237;n [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">3,882<span></span>
</td>
<td class="nump">5,218<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">21,012<span></span>
</td>
<td class="nump">17,130<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_bbva_DeferredShareRemunerationSystemAxis=bbva_JanVerplanckeMember', window );">Jan Verplancke [Member]</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>
</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_DeferredShareRemunerationSystemLineItems', window );"><strong>Deferred share Remuneration system [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>
</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_TheoreticalSharesAllocated', window );">Theoretical shares allocated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4,851<span></span>
</td>
<td class="nump">6,521<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_TheoreticalSharesAccumulatedAsOfDecember31', window );">Theoretical shares accumulated as of December 31</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">40,623<span></span>
</td>
<td class="nump">35,772<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><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 number of theoretical shares was calculated according to the average closing price of the BBVA share during the 60 trading sessions prior to the dates of the General Shareholders&#8217; Meetings of March 15, 2024 and March 17, 2023 which were &#8364;8.84 and &#8364;6.58 per share, respectively.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">(2)  Directors appointed by the General Meeting held on March 15, 2024; accordingly, the allocation of theoretical shares is not due until 2025.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(3) Director appointed by the General Meeting held on March 17, 2023; accordingly, the first allocation of theoretical shares was made in 2024.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><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:120%">(4) Directors who left office on March 15, 2024. In application of the system, Jos&#233; Maldonado Ramos and Juan Pi Llorens received a total of 154,609 and 156,699 BBVA shares, respectively, after leaving office, which is equivalent to the total theoretical shares accumulated up to that date by each of them.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[5]</td>
<td style="vertical-align: top;" valign="top"><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:120%">(5) Director who left office on March 17, 2023. In application of the system, she received a total of 191,423 BBVA shares, after leaving office, which was equivalent to the total theoretical shares accumulated up to that date.</span></div></td>
</tr>
</table></td></tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred share Remuneration system</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Theoretical shares accumulated as of December 31</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Theoretical shares allocated</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">
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<td><strong> Name:</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;">bbva_DeferredShareRemunerationSystemAxis=bbva_SoniaDulaMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_RalGalambaDeOliveiraMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_RalGalambaDeOliveiraMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_BelnGarijoLpezMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_BelnGarijoLpezMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_ConnieHedegaardMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_ConnieHedegaardMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_LourdesMaizCarroMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_LourdesMaizCarroMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_JosMaldonadoRamosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_JosMaldonadoRamosMember</td>
</tr>
<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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_CristinaDePariasHalconMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_CristinaDePariasHalconMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_AnaPeraltaMorenoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_AnaPeraltaMorenoMember</td>
</tr>
<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>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_JuanPiLlorensMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_JuanPiLlorensMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_AnaRevengaShanklinMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_AnaRevengaShanklinMember</td>
</tr>
<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>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_SusanaRodriguezVidarteMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_SusanaRodriguezVidarteMember</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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredShareRemunerationSystemAxis=bbva_CarlosSalazarLomelnMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_CarlosSalazarLomelnMember</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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<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_bbva_DeferredShareRemunerationSystemAxis=bbva_JanVerplanckeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredShareRemunerationSystemAxis=bbva_JanVerplanckeMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>286
<FILENAME>R267.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360614504560">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 54 Annual fixed remuneration (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</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_AnnualFixedRemunerationLineItems', window );"><strong>Annual fixed remuneration [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_AnnualFixedRemuneration', window );">Annual fixed remuneration</a></td>
<td class="nump">&#8364; 5,103<span></span>
</td>
<td class="nump">&#8364; 5,103<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_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member]</a></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_bbva_AnnualFixedRemunerationLineItems', window );"><strong>Annual fixed remuneration [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_AnnualFixedRemuneration', window );">Annual fixed remuneration</a></td>
<td class="nump">2,924<span></span>
</td>
<td class="nump">2,924<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_bbva_AnnualFixedRemunerationExecutiveDirectorsAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member]</a></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_bbva_AnnualFixedRemunerationLineItems', window );"><strong>Annual fixed remuneration [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#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_AnnualFixedRemuneration', window );">Annual fixed remuneration</a></td>
<td class="nump">&#8364; 2,179<span></span>
</td>
<td class="nump">&#8364; 2,179<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Annual fixed remuneration</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_AnnualFixedRemuneration</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Annual fixed remuneration</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_AnnualFixedRemunerationLineItems</td>
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<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<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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<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;">bbva_AnnualFixedRemunerationExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember</td>
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<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>
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<td><strong> Balance Type:</strong></td>
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<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;">bbva_AnnualFixedRemunerationExecutiveDirectorsAxis=srt_ChiefExecutiveOfficerMember</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360534775152">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 54 Annual variable remuneration (AVR) (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><sup>[2]</sup></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_AnnualVariableRemunerationBBVADirectorsLineItems', window );"><strong>Annual variable remuneration BBVA directors [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_AnnualVariableRemunerationBBVADirectorsInCash', window );">Annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 1,568<span></span>
</td>
<td colspan="2" class="nump">&#8364; 1,568<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_AnnualVariableRemunerationBBVADirectorsInShares', window );">Annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">162,211,000<span></span>
</td>
<td colspan="2" class="nump">188,485,000<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_bbva_AnnualVariableRemunerationAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_AnnualVariableRemunerationBBVADirectorsLineItems', window );"><strong>Annual variable remuneration BBVA directors [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_AnnualVariableRemunerationBBVADirectorsInCash', window );">Annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 897<span></span>
</td>
<td colspan="2" class="nump">&#8364; 897<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_AnnualVariableRemunerationBBVADirectorsInShares', window );">Annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">92,803,000<span></span>
</td>
<td colspan="2" class="nump">107,835,000<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_bbva_AnnualVariableRemunerationAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_AnnualVariableRemunerationBBVADirectorsLineItems', window );"><strong>Annual variable remuneration BBVA directors [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_AnnualVariableRemunerationBBVADirectorsInCash', window );">Annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 671<span></span>
</td>
<td colspan="2" class="nump">&#8364; 671<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_AnnualVariableRemunerationBBVADirectorsInShares', window );">Annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">69,408,000<span></span>
</td>
<td colspan="2" class="nump">80,650,000<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="margin-bottom:10pt;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) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to 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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached. </span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div style="margin-bottom:10pt;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) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to 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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached. </span></div></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360559287056">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Nota 54 Deferred annual variable remuneration from previous financial years (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><sup>[2]</sup></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_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 1,550<span></span>
</td>
<td colspan="2" class="nump">&#8364; 1,263<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">355,853,000<span></span>
</td>
<td colspan="2" class="nump">323,793<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 867<span></span>
</td>
<td colspan="2" class="nump">&#8364; 760<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">198,616,000<span></span>
</td>
<td colspan="2" class="nump">195,590<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | 2023 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 221<span></span>
</td>
<td colspan="2" class="nump">&#8364; 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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">38,821,000<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | 2022 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 236<span></span>
</td>
<td colspan="2" class="nump">&#8364; 229<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">56,941,000<span></span>
</td>
<td colspan="2" class="nump">56,941,000<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | 2021 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 228<span></span>
</td>
<td colspan="2" class="nump">&#8364; 222<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">57,325,000<span></span>
</td>
<td colspan="2" class="nump">57,325<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | 2020 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 0<span></span>
</td>
<td colspan="2" class="nump">&#8364; 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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | 2019 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 181<span></span>
</td>
<td colspan="2" class="nump">&#8364; 176<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">45,529,000<span></span>
</td>
<td colspan="2" class="nump">45,529<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member] | 2018 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 0<span></span>
</td>
<td colspan="2" class="nump">&#8364; 132<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">0<span></span>
</td>
<td colspan="2" class="nump">35,795<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 683<span></span>
</td>
<td colspan="2" class="nump">&#8364; 503<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">157,237,000<span></span>
</td>
<td colspan="2" class="nump">128,203<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member] | 2023 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 166<span></span>
</td>
<td colspan="2" class="nump">&#8364; 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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">29,034,000<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member] | 2022 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 181<span></span>
</td>
<td colspan="2" class="nump">&#8364; 176<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">43,793,000<span></span>
</td>
<td colspan="2" class="nump">43,793<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member] | 2021 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 173<span></span>
</td>
<td colspan="2" class="nump">&#8364; 169<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">43,552,000<span></span>
</td>
<td colspan="2" class="nump">43,552<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member] | 2020 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 0<span></span>
</td>
<td colspan="2" class="nump">&#8364; 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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member] | 2019 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 163<span></span>
</td>
<td colspan="2" class="nump">&#8364; 158<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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">40,858,000<span></span>
</td>
<td colspan="2" class="nump">40,858<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_bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member] | 2018 [Member]</a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_DeferredAnnualVariableRemunerationLineItems', window );"><strong>Deferred annual variable remuneration [Line Items]</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationBBVADirectorsInCash', window );">Deferred annual variable remuneration BBVA directors in cash</a></td>
<td colspan="2" class="nump">&#8364; 0<span></span>
</td>
<td colspan="2" class="nump">&#8364; 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_DeferredAnnualVariableRemunerationBBVADirectorsInShares', window );">Deferred annual variable remuneration BBVA directors in shares</a></td>
<td colspan="2" class="nump">0<span></span>
</td>
<td colspan="2" class="nump">0<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><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 payable after the 2024 year-end, including the update of its cash portion. Payment to the Chair and the Chief Executive Officer will take place in 2025 in accordance with the vesting and payment rules set out in the remuneration policies applicable 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">2023 Deferred AVR: the first payment of the Deferred STI (17.9% of the Deferred Portion) is due to executive directors. Thereafter, the second payment of the Deferred STI (17.9% of the Deferred Portion) and the 2023 LTI (64.2% of the Deferred Portion) will be deferred for both executive directors. The final amount of the 2023 LTI will depend on the result of the long-term indicators approved for its calculation once its measurement period has elapsed (at the end of 2026), which may range between an achievement of 0% to 150%. If the relevant conditions are met, the second payment of the Deferred STI will be made in 2026 and the three payments of the 2023 LTI will be made in 2027, 2028 and 2029. </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">2022 Deferred AVR: the second payment (20% of the Deferred Portion) is due to executive directors. Thereafter, 60% of the 2022 Deferred AVR will be deferred for both executive directors, which, if the relevant conditions are met, will be paid in 2026, 2027, and 2028.</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: the third payment (20% of the Deferred Portion) is due to executive directors, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. Thereafter, 40% of the 2021 Deferred AVR will be deferred for both executive directors which, if the relevant conditions are met, will be paid in 2026 and 2027.</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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. </span></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8226;</span>2019 Deferred AVR: the third and final payment (20% of the Deferred Portion) is due to executive directors. Following this, payment to executive directors of the 2019 Deferred AVR will be completed.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><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 which was payable after the 2023 year-end, including the update of its cash portion. Its payment to the Chair and/or the Chief Executive Officer took place in 2024, in accordance with the vesting and payment rules set out in the remuneration policies applicable 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">2022 Deferred AVR: in 2024, the first payment (20% of the Deferred Portion) was made to executive directors. </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: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. </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">2019 Deferred AVR: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. </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 2024, the third and final payment (20% of the Deferred Portion) was made to the Chair. Following this, payment to the Chair of the 2018 Deferred AVR, which was associated with his former position as Chief Executive Officer, was completed. </span></div></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred annual variable remuneration BBVA directors in cash</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_DeferredAnnualVariableRemunerationBBVADirectorsInCash</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred annual variable remuneration BBVA directors in 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_DeferredAnnualVariableRemunerationBBVADirectorsInShares</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred annual variable remuneration</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>
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<td><strong> Name:</strong></td>
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<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>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DeferredAVRAxis=bbva_A2021Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<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>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360535309040">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 54 Pension systems executive directors (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</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_ExecutiveDirectorsLineItems', window );"><strong>Executive directors [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>
</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_ExecutiveDirectorsRetirement', window );">Executive directors retirement</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 456<span></span>
</td>
<td class="nump">&#8364; 458<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_ExecutiveDirectorsDeathAndDisability', window );">Executive directors death and disability</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">472<span></span>
</td>
<td class="nump">552<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_ExecutiveDirectorsFundsAccumulated', window );">Executive directors funds accumulated</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">26,893<span></span>
</td>
<td class="nump">24,759<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_bbva_ExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember', window );">Board of Directors Chairman [Member]</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>
</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_ExecutiveDirectorsLineItems', window );"><strong>Executive directors [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>
</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_ExecutiveDirectorsRetirement', window );">Executive directors retirement</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">456<span></span>
</td>
<td class="nump">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_ExecutiveDirectorsDeathAndDisability', window );">Executive directors death and disability</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">252<span></span>
</td>
<td class="nump">322<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_ExecutiveDirectorsFundsAccumulated', window );">Executive directors funds accumulated</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">26,893<span></span>
</td>
<td class="nump">24,759<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_bbva_ExecutiveDirectorsAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member]</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>
</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_ExecutiveDirectorsLineItems', window );"><strong>Executive directors [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>
</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_ExecutiveDirectorsRetirement', window );">Executive directors retirement</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></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_ExecutiveDirectorsDeathAndDisability', window );">Executive directors death and disability</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">221<span></span>
</td>
<td class="nump">230<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_ExecutiveDirectorsFundsAccumulated', window );">Executive directors funds accumulated</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>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(1) Contributions recognized to meet the pension commitments with the executive directors in financial years 2024 and 2023. In the case of the Chair, these relate to the sum of the annual retirement pension contribution and the adjustment made to the &#8220;discretionary pension benefits&#8221; for the financial years 2023 and 2022, the contribution of which to the accumulated fund was to be made in the financial years 2024 and 2023, respectively, as well as to the premiums for the death and disability contingencies. In the case of the Chief Executive Officer, the contributions recognized correspond exclusively to the insurance premiums paid by the Bank in 2024 and 2023 to cover the death and disability contingencies given that, in his case, the Bank has not undertaken any commitments to cover the contingency of retirement. </span></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_ExecutiveDirectorsDeathAndDisability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Executive directors death and disability</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_ExecutiveDirectorsDeathAndDisability</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>debit</td>
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<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_ExecutiveDirectorsFundsAccumulated">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Executive directors funds accumulated</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_ExecutiveDirectorsFundsAccumulated</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ExecutiveDirectorsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Executive directors</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_ExecutiveDirectorsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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_bbva_ExecutiveDirectorsRetirement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Executive directors retirement</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_ExecutiveDirectorsRetirement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ExecutiveDirectorsAxis=srt_BoardOfDirectorsChairmanMember</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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></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_bbva_ExecutiveDirectorsAxis=srt_ChiefExecutiveOfficerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_ExecutiveDirectorsAxis=srt_ChiefExecutiveOfficerMember</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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>290
<FILENAME>R271.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360539749120">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 54 Annual fixed remuneration Senior management (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</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_AnnualFixedRemunerationSeniorManagementLineItems', window );"><strong>Annual fixed remuneration senior management [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>
</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_SeniorManagementTotalAnnualFixedRemuneration', window );">Senior management total annual fixed remuneration</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 19,928<span></span>
</td>
<td class="nump">&#8364; 18,187<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%">(1) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases. </span></div></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_AnnualFixedRemunerationSeniorManagementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Annual fixed remuneration senior management</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_AnnualFixedRemunerationSeniorManagementLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
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<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_SeniorManagementTotalAnnualFixedRemuneration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Senior management total annual fixed remuneration</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_SeniorManagementTotalAnnualFixedRemuneration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>291
<FILENAME>R272.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360616671856">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 54 Annual variable remuneration (AVR) Senior management (Details) - Senior management [Member] - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><sup>[2]</sup></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><sup>[3]</sup></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_AnnualVariableRemunerationSeniorManagementLineItems', window );"><strong>Annual variable remuneration senior management [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_AnnualVariableRemunerationSeniorManagementInCash', window );">Annual variable remuneration senior management in cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 2,272<span></span>
</td>
<td colspan="2" class="nump">&#8364; 2,229<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_AnnualVariableRemunerationSeniorManagementInShares', window );">Annual variable remuneration senior management in shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">235,016,000<span></span>
</td>
<td colspan="2" class="nump">267,628,000<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><div style="margin-bottom:3pt;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%">(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares or instruments linked to shares). </span><div style="margin-bottom:3pt;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%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div style="margin-bottom:3pt;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) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares). </span></div><div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#8217;s payment capacity, are not reached.</span></div></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_AnnualVariableRemunerationSeniorManagementInCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Annual variable remuneration senior management in cash</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_AnnualVariableRemunerationSeniorManagementInCash</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AnnualVariableRemunerationSeniorManagementInShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Annual variable remuneration senior management in 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_AnnualVariableRemunerationSeniorManagementInShares</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AnnualVariableRemunerationSeniorManagementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Annual variable remuneration senior management</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_AnnualVariableRemunerationSeniorManagementLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360524082160">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 54 Deferred annual variable remuneration from previous years senior management (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><sup>[2]</sup></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><sup>[3]</sup></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_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems', window );"><strong>Annual variable remuneration Deferred portion senior management [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationSeniorManagementInCash', window );">Deferred annual variable remuneration senior management in cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 1,963<span></span>
</td>
<td colspan="2" class="nump">&#8364; 2,885<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_DeferredAnnualVariableRemunerationSeniorManagementInShares', window );">Deferred annual variable remuneration senior management in shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">434,759<span></span>
</td>
<td colspan="2" class="nump">642,015<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_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis=bbva_SeniorManagementMember', window );">Senior management [Member] | 2023 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems', window );"><strong>Annual variable remuneration Deferred portion senior management [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationSeniorManagementInCash', window );">Deferred annual variable remuneration senior management in cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 576<span></span>
</td>
<td colspan="2" class="nump">&#8364; 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_DeferredAnnualVariableRemunerationSeniorManagementInShares', window );">Deferred annual variable remuneration senior management in shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">98,636<span></span>
</td>
<td colspan="2" class="nump">0<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_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis=bbva_SeniorManagementMember', window );">Senior management [Member] | 2022 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems', window );"><strong>Annual variable remuneration Deferred portion senior management [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationSeniorManagementInCash', window );">Deferred annual variable remuneration senior management in cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 526<span></span>
</td>
<td colspan="2" class="nump">&#8364; 493<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_DeferredAnnualVariableRemunerationSeniorManagementInShares', window );">Deferred annual variable remuneration senior management in shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">125,129<span></span>
</td>
<td colspan="2" class="nump">122,566<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_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis=bbva_SeniorManagementMember', window );">Senior management [Member] | 2021 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems', window );"><strong>Annual variable remuneration Deferred portion senior management [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationSeniorManagementInCash', window );">Deferred annual variable remuneration senior management in cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 490<span></span>
</td>
<td colspan="2" class="nump">&#8364; 457<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_DeferredAnnualVariableRemunerationSeniorManagementInShares', window );">Deferred annual variable remuneration senior management in shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">119,207<span></span>
</td>
<td colspan="2" class="nump">116,528<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_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis=bbva_SeniorManagementMember', window );">Senior management [Member] | 2020 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems', window );"><strong>Annual variable remuneration Deferred portion senior management [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationSeniorManagementInCash', window );">Deferred annual variable remuneration senior management in cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 56<span></span>
</td>
<td colspan="2" class="nump">&#8364; 1,494<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_DeferredAnnualVariableRemunerationSeniorManagementInShares', window );">Deferred annual variable remuneration senior management in shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">14,340<span></span>
</td>
<td colspan="2" class="nump">289,020<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_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis=bbva_SeniorManagementMember', window );">Senior management [Member] | 2019 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems', window );"><strong>Annual variable remuneration Deferred portion senior management [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationSeniorManagementInCash', window );">Deferred annual variable remuneration senior management in cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 314<span></span>
</td>
<td colspan="2" class="nump">&#8364; 303<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_DeferredAnnualVariableRemunerationSeniorManagementInShares', window );">Deferred annual variable remuneration senior management in shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">77,447<span></span>
</td>
<td colspan="2" class="nump">77,447<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_bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis=bbva_SeniorManagementMember', window );">Senior management [Member] | 2018 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" 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_bbva_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems', window );"><strong>Annual variable remuneration Deferred portion senior management [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td colspan="2" class="text">&#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_DeferredAnnualVariableRemunerationSeniorManagementInCash', window );">Deferred annual variable remuneration senior management in cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">&#8364; 0<span></span>
</td>
<td colspan="2" class="nump">&#8364; 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_DeferredAnnualVariableRemunerationSeniorManagementInShares', window );">Deferred annual variable remuneration senior management in shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td colspan="2" class="nump">0<span></span>
</td>
<td colspan="2" class="nump">36,454<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><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"><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%">(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases. </span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%">(1) Deferred remuneration payable after 2024 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who are beneficiaries will take place in 2025 in accordance with the remuneration policies applicable in each financial year and the vesting and payment rules set forth therein applicable to each member of Senior Management, based on when they became such a member: </span><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">2023 Deferred AVR: the first payment of the Deferred STI is due to members of Senior Management. </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">2022 Deferred AVR: the second payment is due to members of Senior Management. </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: the third payment is due to members of Senior Management, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, the second payment of the deferred portion of a success bonus on the sale of BBVA USA is due to one member of Senior Management &#8212; an executive of BBVA USA at that time &#8212;. </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: the third and final payment is due to the members of Senior Management that are beneficiaries. In addition, the third and final payment of the deferred portion of a retention plan is payable to one member of Senior Management.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><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 which was payable after the 2023 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who were beneficiaries took place in 2024 in accordance with the vesting and payment rules set forth in the remuneration policies applicable 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">2022 Deferred AVR: in 2024, the first payment was made to members of Senior Management. </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: in 2024, the second payment was made to members of Senior Management. </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">2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, in 2024 the deferred portion of a success bonus on the sale of BBVA USA was paid to two members of the Senior Management &#8212; who were executives of BBVA USA at that time &#8212;. In 2024, one of them received the whole of the deferred portion and the other one received the first payment of the deferred portion, in accordance with the vesting and payment rules set out in the remuneration policies applicable to each of them in that 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">2019 Deferred AVR: in 2024, the second payment was made to the members of Senior Management who were beneficiaries. In addition, the second payment of the deferred portion of a retention plan was paid to a member of Senior Management. </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 2024, the third and final payment was made to the members of Senior Management who were beneficiaries. </span></div></td>
</tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Annual variable remuneration Deferred portion senior management</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_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred annual variable remuneration senior management in cash</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_DeferredAnnualVariableRemunerationSeniorManagementInCash</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>Deferred annual variable remuneration senior management in 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_DeferredAnnualVariableRemunerationSeniorManagementInShares</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</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;">bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis=bbva_SeniorManagementMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data 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;">bbva_DeferredAVRSeniorManagementAxis=bbva_A2023Member</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;">bbva_DeferredAVRSeniorManagementAxis=bbva_A2022Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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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<td><strong> Period Type:</strong></td>
<td></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;">bbva_DeferredAVRSeniorManagementAxis=bbva_A2021Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredAVRSeniorManagementAxis=bbva_A2020Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_DeferredAVRSeniorManagementAxis=bbva_A2020Member</td>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DeferredAVRSeniorManagementAxis=bbva_A2019Member</td>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46360861567120">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 54 Pension commitments with members of Senior Management (Details) - Senior management [Member] - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</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_PensionCommitmentsWithMembersOfSeniorManagementLineItems', window );"><strong>Pension commitments with members of Senior Management [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>
</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_SeniorManagementRetirement', window );">Senior management retirement</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">&#8364; 4,226<span></span>
</td>
<td class="nump">&#8364; 3,829<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_SeniorManagementDeathAndDisability', window );">Senior management death and disability</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
<td class="nump">1,181<span></span>
</td>
<td class="nump">1,102<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_SeniorManagementFundsAccumulated', window );">Senior management funds accumulated</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 40,549<span></span>
</td>
<td class="nump">&#8364; 34,069<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><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"><div style="text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%">(2) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases.</span></div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><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 with all Senior Management in financial years 2024 and 2023, which relate to the sum of the annual retirement pension contributions and the adjustments made to the &#8220;discretionary pension benefits&#8221; for 2023 and 2022 which were included in the accumulated fund in 2024 and 2023, respectively, and to the insurance premiums paid by the Bank for death and disability contingencies.</span></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_PensionCommitmentsWithMembersOfSeniorManagementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Pension commitments with members of Senior Management</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_PensionCommitmentsWithMembersOfSeniorManagementLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SeniorManagementDeathAndDisability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Senior management death and disability</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_SeniorManagementDeathAndDisability</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</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>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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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>Senior management funds accumulated</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_SeniorManagementFundsAccumulated</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<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_SeniorManagementRetirement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Senior management retirement</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_SeniorManagementRetirement</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_PensionCommitmentsWithMembersOfSeniorManagementAxis=bbva_SeniorManagementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" 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;">bbva_PensionCommitmentsWithMembersOfSeniorManagementAxis=bbva_SeniorManagementMember</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>294
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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        <entity>
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            <segment>
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            <instant>2023-12-31</instant>
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                <xbrldi:explicitMember dimension="bbva:DepositsFromCustomersByGeographicalAreaAndInstrumentAxis">bbva:DemandDepositsAmortizedCostMember</xbrldi:explicitMember>
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        <entity>
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            <instant>2023-12-31</instant>
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        <entity>
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        <entity>
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                <xbrldi:explicitMember dimension="bbva:DepositsFromCustomersByGeographicalAreaAndInstrumentAxis">bbva:DemandDepositsAmortizedCostMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="bbva:DepositsFromCustomersByGeographicalAreaAndInstrumentAxis">bbva:TimeDepositsAndOtherMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="bbva:DepositsFromCustomersByGeographicalAreaAndInstrumentAxis">bbva:TimeDepositsAndOtherMember</xbrldi:explicitMember>
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            <segment>
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            <instant>2023-12-31</instant>
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    <cyd:CybersecurityRiskManagementProcessesIntegratedTextBlock contextRef="c-1" id="f-80">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At BBVA, cybersecurity risk management is an integral part of our overall enterprise risk management program. Our cybersecurity risk management program provides a framework for handling cybersecurity threats and incidents, including threats and incidents associated with the use of services provided by third-party service providers, and is designed to facilitate coordination across different departments of the Group in the handling of such cybersecurity threats and incidents. This framework includes steps for assessing the severity of a cybersecurity threat, identifying the source of a cybersecurity threat, including whether the cybersecurity threat is associated with a third-party service provider, implementing cybersecurity countermeasures and mitigation strategies and, as later explained in greater detail, informing management and our Board of Directors of material cybersecurity threats and incidents. Our cybersecurity risk management program is regularly updated to align with industry best practices established by internationally accepted security standards and its effectiveness in mitigating the risks that the Group is exposed to is periodically assessed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For BBVA, cybersecurity is not only a strategic priority, but also one of the main elements in the digital transformation of the Bank. BBVA&#x2019;s Corporate Security Area is responsible for ensuring adequate information security management by establishing security policies, procedures and controls that bolster the security of the Group&#x2019;s global infrastructures, digital channels and payment methods following a holistic and threat intelligence-led approach, where a program has been designed for each of the four fundamental pillars of BBVA&#x2019;s security strategy: cybersecurity, data protection, physical security and security in business processes and fraud management, with the aim to reduce the risks identified in the risk taxonomy defined by the Group. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As cyberattacks evolve and become more sophisticated, the Group has strengthened its prevention and monitorization efforts. During the past few years, cybersecurity and information security measures have been reinforced with the aim to ensure an adequate protection of BBVA&#x2019;s information and the assets supporting business processes. Security measures adopted in the past few years include measures intended to: (i) ensure end-to-end protection of business processes, considering logical and physical security, privacy and fraud management concerns, (ii) ensure compliance with 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, including by enhancing the use of facial biometrics, behavioral biometrics, advanced analytics models and the implementation of dynamic Card Verification Values (CVV).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Further, system monitoring capabilities, as well as incident prevention, detection and response capabilities have also been strengthened through the use of integrated information sources, improved analytical capabilities and automated platforms, improving information security management from a preventive and proactive approach. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Additionally, and with the aim to ensure that security is embedded in business processes, the security management model has been reinforced in the software development lifecycle process and in infrastructure, architecture and operations management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Global Computer Emergency Response Team (&#x201c;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;CERT&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x201d;) is the Group&#x2019;s first line of detection and response to cyberattacks aimed at global users and the Group&#x2019;s infrastructure. The Global CERT, which is based in Madrid, operates 24x7 and provides services in all countries where the Group operates, with operation lines dedicated to fraud and cybersecurity. The Global CERT receives information on cybersecurity threats from our Threat Intelligence Unit. Both of them are part of the Corporate Security Area.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;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&#x2019; simulated attacks performed by the &#x201c;red team&#x201d;. The outcome of such exercises is a fundamental part of a feedback process designed to improve the Group&#x2019;s cybersecurity strategies. Both the Corporate Security Area and the Risk Control Area engage third-party security experts for risk assessments and system enhancements. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;BBVA is working on the development of new artificial-intelligence and machine-learning models that enable the prediction and prevention of cyberattacks on financial infrastructure, providing a more secure client experience. BBVA&#x2019;s Threat Intelligence Area has been reinforced in 2023 and 2024, adopting measures directed at transforming detailed technical information into actionable intelligence information that can be used to make decisions related to risk management. The Threat Intelligence Area continuously monitors threats that affect the financial sector and analyses risk trends with the aim to implement measures to minimize the risks the Group is exposed to. Analysis performed includes not only security trends but also the type, frequency and origin of attacks on systems and information.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In addition, BBVA continuously carries out training and awareness initiatives related to security and privacy, promoting training and awareness campaigns for BBVA&#x2019;s employees, clients and society, 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 (phishing, smishing, vishing), malware and other technical attacks detection, detection of scams, security on online purchases and how to react if there is a security incident. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;BBVA&#x2019;s cybersecurity strategy is based on internationally accepted security standards. It covers best practices established in information-security standards and guidelines including ISO/IEC 27002 and other ISO/IEC 27000 series standards, COBIT 5 and the NIST Cybersecurity Framework.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;BBVA has also obtained several security certifications (such as Tier IV and ISAE 3402 certifications) in different countries. To maintain these certifications, periodic external audits are performed, considering the specific requirements of each certification. The external auditors that perform these audits are selected from among the most recognized audit firms in the areas of each certification.&lt;/span&gt;&lt;/div&gt;Considering that one of the main risks companies face today are risks related to third parties, BBVA reinforced its controls to ensure an adequate protection of information by BBVA&#x2019;s service providers in 2024. BBVA requires that service providers contracted by any Group company have internationally accepted security certifications. Security clauses are also included in contracts with service providers, including obligations to comply with specific security measures and all applicable legal and regulatory requirements. The third parties risk management model has been reinforced during 2024 to comply with the requirements of new regulations entering into force, such as the Digital Operational Resilience Act (DORA)</cyd:CybersecurityRiskManagementProcessesIntegratedTextBlock>
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    <cyd:CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantTextBlock contextRef="c-1" id="f-83">In 2024, we did not identify any cybersecurity threats that materially affected or are reasonably likely to materially affect our business strategy, results of operations or financial condition. However, despite our efforts, we cannot eliminate all risks from cybersecurity threats, or provide assurances that we have not experienced an undetected cybersecurity incident.</cyd:CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantTextBlock>
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    <cyd:CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock contextRef="c-1" id="f-87">&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our Board of Directors has overall oversight responsibility for our risk management, and is assisted by the Board&#x2019;s Technology and Cybersecurity Committee in the oversight of technological risk and cybersecurity management and in monitoring the Group&#x2019;s technological and cybersecurity strategies. This Committee, which meets every two months, is one of the main elements of our risk management governance model. It is responsible for the oversight of the Group&#x2019;s technological and cybersecurity strategies and is informed by the Chief Security Officer (&#x201c;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;CSO&lt;/span&gt;&#x201d;) of technological and cybersecurity performance and of any incidents that have arisen. The Committee keeps the Board of Directors informed of the main technological and cybersecurity risks to which the Group is exposed, as well as current cybersecurity and technological trends and any relevant security event that can affect the BBVA Group.</cyd:CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock>
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    <cyd:CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock contextRef="c-1" id="f-85">Our Board of Directors has overall oversight responsibility for our risk management, and is assisted by the Board&#x2019;s Technology and Cybersecurity Committee in the oversight of technological risk and cybersecurity management and in monitoring the Group&#x2019;s technological and cybersecurity strategies.</cyd:CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock>
    <cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock contextRef="c-1" id="f-88">Our Board of Directors has overall oversight responsibility for our risk management</cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock>
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    <cyd:CybersecurityRiskRoleOfManagementTextBlock contextRef="c-1" id="f-91">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The risk management process includes lines of action related to the adequate training of BBVA&#x2019;s Board members in the area of cybersecurity 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Further, BBVA&#x2019;s Corporate Security Area and the Risk Control Area, based in Madrid, are responsible for identifying and assessing material cybersecurity risks on an ongoing basis, establishing processes to ensure that such potential cybersecurity risk exposures are monitored, putting in place appropriate mitigation measures and maintaining cybersecurity programs. Our cybersecurity programs are under the direction of our CSO, who receives reports from our cybersecurity team (which is part of the Corporate Security Area) and monitors the prevention, detection, mitigation, and remediation of cybersecurity incidents. Both the Corporate Security Area and the Risk Control Area engage third-party security experts for risk assessments and system enhancements.&lt;/span&gt;&lt;/div&gt;</cyd:CybersecurityRiskRoleOfManagementTextBlock>
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    <bbva:DisclosureOfIntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationTextBlock contextRef="c-1" id="f-1760">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"&gt;Introduction, basis for the presentation of the Consolidated Financial Statements, Internal Control over Financial Reporting and other information &lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt"&gt;Introduction&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Banco Bilbao Vizcaya Argentaria, S.A. (hereinafter &#x201c;the Bank&#x201d;, &#x201c;BBVA" or &#x201c;BBVA, S.A.&#x201d;), registered with the Company Register of Vizcaya, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Bylaws and other public information are available for inspection at the Bank&#x2019;s registered address (Plaza San Nicol&#xe1;s, 4 Bilbao) as noted on its web site (www.bbva.com). 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. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Group&#x201d; or the &#x201c;BBVA Group&#x201d;). In addition to its own separate financial statements, the Bank is required to prepare Consolidated Financial Statements comprising all consolidated subsidiaries of the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, in addition to the Bank, the BBVA Group had 174 consolidated entities and 39 entities accounted for using the equity method (see Notes 3 and 16 and Appendices I to IV).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Consolidated Financial Statements of the BBVA Group for the year ended December 31, 2024, were authorized for issue on February 21, 2025.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt"&gt;Basis for the presentation of the Consolidated Financial Statements&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group&#x2019;s Consolidated Financial Statements are presented in compliance with IFRS-IASB (International Financial Reporting Standards as issued by the International Accounting Standards Board (hereinafter &#x201c;IASB&#x201d;)), as well as in accordance with the International Financial Reporting Standards endorsed by the European Union (EU-IFRS) applicable as of December 31, 2024, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group&#x2019;s Consolidated Financial Statements for the year ended December 31, 2024 were prepared by the Group&#x2019;s Directors (through the Board of Directors meeting held on February 11, 2025) by applying the principles of consolidation, accounting policies and valuation criteria described in Note 2, so that they present fairly the Group&#x2019;s total consolidated equity and financial position as of December 31, 2024, together with the consolidated results of its operations and cash flows generated during the year ended December 31, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;All applicable accounting standards and valuation criteria with a significant effect on the Consolidated Financial Statements were applied in their preparation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The percentage changes in amounts have been calculated using figures expressed in thousands of euros.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt"&gt;Comparative information&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;IFRS 17 "Insurance Contracts"&lt;/span&gt;&lt;/div&gt;IFRS 17 superseded IFRS 4 for the recognition, measurement, presentation and disclosure of insurance contracts. The initial application date of IFRS 17 was January 1, 2023, and it has been applied to the years ended December 31, 2024 and 2023, with a transition date of January 1, 2022. The impact of these retrospective adjustments was not significant for the consolidated financial statements of the BBVA Group.&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt"&gt;Seasonal nature of income and expense&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The nature of the most significant activities carried out by the BBVA Group&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt"&gt;Responsibility for the information and for the estimates made&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The information contained in the BBVA Group&#x2019;s Consolidated Financial Statements is the responsibility of the Group&#x2019;s Directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Loss allowances on certain financial assets (see Notes 7, 13, 14 and 16).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The assumptions used in the valuation of insurance and reinsurance contracts (see Note 23) to quantify certain provisions (see Note 24) and the calculation of post-employment benefit liabilities and commitments (see Note 25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The useful life and impairment losses of tangible and intangible assets and impairment losses of non-current assets held for sale (see Notes 17, 18, and 21).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The valuation of goodwill and price allocation of business combinations (see Note 18).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The fair value of certain unlisted financial assets and liabilities (see Notes 7, 8, 10, 11, 12, 13 and 15).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The recoverability of deferred tax assets and the forecast for corporate income tax (see Note 19).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, the BBVA Group is working to consider and include how climate risk and other climate-related matters can affect the consolidated financial statements, cash flows and financial performance of the Group within the models used for calculating certain relevant estimations. These estimates and judgments are being considered when preparing the financial statements of the BBVA Group and, where relevant, they are mentioned in the corresponding Notes to the Consolidated Financial Statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The prevailing geopolitical and economic uncertainties (see Note 7.1) entail a greater complexity in developing reliable estimations and applying judgment. Estimates have been made on the basis of the best available information on the matters analyzed as of December 31, 2024. However, it is possible that events may take place subsequent to such date, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During 2024 there have been no significant changes in the estimates made as of December 31, 2023 and 2022, other than those indicated in these Consolidated Financial Statements.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt"&gt;BBVA Group&#x2019;s Internal Control over Financial Reporting&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Group&#x2019;s Consolidated Financial Statements are prepared under an Internal Control over Financial Reporting (hereinafter "ICFR") model. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The establishment of an appropriate control framework.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The assessment of the risks that could arise during the preparation of the financial information.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The design of the necessary controls to mitigate the identified risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The establishment of an appropriate system of information to detect and report system weaknesses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The monitoring over the controls to support correct performance and effectiveness over time.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The ICFR model is a dynamic model that continuously evolves over time to reflect the reality of the BBVA Group&#x2019;s businesses and processes, as well as the risks that may arise and the controls that mitigate them. This control system is subject to a continuous evaluation coordinated by the internal financial control units located in the different entities of BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In order to ensure the necessary independence of the aforementioned internal financial control units, they are integrated within the Regulation &amp;amp; Internal Control area, whose head reports to the Board of Directors through its Committees. Among its main functions is the definition and coordination of the Group's entire internal control model, based on two pillars:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;A control system organized into three lines of defense that has been updated and strengthened, as described below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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&#x2019;s processes. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;The second line of defense (2LoD) comprises the specialized control units for each type of risk (Risk Control Specialists - RCS- among others Finance, Legal, Technology, Third Party, Compliance or Processes). This second line defines the mitigation and control frameworks for the risks in their areas of responsibility across the entire organization and also challenges the functioning of the control model (supervises the implementation and design of the controls and assesses their effectiveness). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;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 internal control model, both the first and second line of defense functions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;A committee structure in the Group, called Corporate Assurance, which enables the escalation of possible weaknesses to the Group's 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The different RCAs and RCSs control units, coordinated by Internal Financial Control (RCS Finance), follow a common and standard methodology established at the Group level, as set out in the following diagram:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;img alt="Captura de pantalla 2024-12-16 134144.jpg" src="bbva-20241231_g2.jpg" style="height:246px;margin-bottom:5pt;vertical-align:text-bottom;width:649px"/&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The ICFR model includes both the controls related to the financial information generation processes, as well as those of a broader scope, designed to improve the Group's general control environment (ELC or Entity Level Control). Both types of controls are assessed on a regular basis by the Control areas and by the Group's Internal Audit unit. The result of their evaluation is reported to the Audit Committee of the Bank&#x2019;s Board of Directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group also complies with the requirements of the Sarbanes-Oxley Act ("SOX") for the preparation of the Consolidated Financial Statements, as a company with securities registered with the U.S. Securities and Exchange Commission ("SEC"). 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.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfIntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationTextBlock>
    <bbva:DisclosureOfPrinciplesOfConsolidationAccountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsTextBlock contextRef="c-1" id="f-1761">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt"&gt;Principles of consolidation, accounting policies and measurement bases applied and recent IFRS pronouncements&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"&gt;Principles of consolidation&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In terms of its consolidation, the Financial Statements of the BBVA Group are comprised of four types of entities: subsidiaries, joint ventures, associates and structured entities, defined as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Subsidiaries are entities controlled by the Group (for definition of control, see Glossary). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Generally, there is a presumption that a majority of voting rights gives rise to control. When the Group holds less than the majority of the voting rights or similar rights in an entity, the Group considers all relevant facts and circumstances in assessing whether it has control over the entity, including: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.34pt"&gt;Contractual arrangements with other holders of voting rights.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.34pt"&gt;The rights arising from other contractual arrangements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.34pt"&gt;The Group's voting rights and potential voting rights. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;There are certain entities that, although the Group holds less than 50% of the voting rights in them, are considered to be subsidiaries because the Group has the ability to exercise control over them (see Appendix I).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The financial statements of the subsidiaries are fully consolidated with those of the Bank through the full consolidation method, which consists of the aggregation of assets, liabilities and equity, income and expenses, of a similar nature, shown in their individual financial statements. Intragroup assets and liabilities, equity, income and expenses and cash flows related to intragroup transactions are eliminated in consolidation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The share of non-controlling interests from subsidiaries in the Group&#x2019;s consolidated total equity is presented under the heading &#x201c;Minority interests (Non-controlling interests)&#x201d; in the consolidated balance sheet. Their share in the profit or loss for the period or year is presented under the heading &#x201c;Attributable to minority interests (non-controlling interests)&#x201d; in the consolidated income statement (see Note 31).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Note 3 includes information related to the main subsidiaries in the Group as of December 31, 2024, 2023 and 2022. Appendix I includes other significant information on such entities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Joint ventures&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The investments in joint ventures are accounted for using the equity method (see Note 16). Appendix II shows the main figures for the main joint ventures accounted for using the equity method as of December 31, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Associates&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Associates are entities in which the Group is able to exercise significant influence (for definition, see Glossary), but not control or joint control. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group evaluates the existence of significant influence, not only based on the voting rights but also qualitative factors such as presence on the board of directors, participation in decision-making processes, exchange of management personnel, as well as access to technical information. Regarding joint agreements, in addition to evaluating the rights and obligations of the parties thereto, other facts and circumstances are considered to determine whether an agreement is a joint venture or a joint operation. When the sale or contribution of a controlled business to an associate or joint venture occurs, the Group recognizes any retained interest at fair value. The difference between the book value of the business contributed and the fair value of the retained investment plus the corresponding disposal is fully recognized in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 are classified as &#x201c;Non-trading financial assets mandatorily at fair value through profit or loss&#x201d; (see Note 11) or "Financial assets at fair value through other comprehensive income" (see Note 13).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022, these entities are not significant to the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Associates are valued for by the equity method. These entities are initially recognized at cost and subsequently adjusted according to the changes in the Group's share of the net assets of such entities after their acquisition (see Note 16). The Group's income statement reflects the proportion of the results generated by associates in the line "Results of entities accounted for using the equity method". The main figures of the most significant entities are shown in Appendix II.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Structured entities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A structured entity (see Glossary) 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;s returns.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt; Structured entities subject to consolidation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:71.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Potential existence of a special relationship with the investee.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;Implicit or explicit Group commitments to support the investee.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;d.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;The ability to use the Group&#xb4;s power over the investee to affect the amount of the Group&#x2019;s returns.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group maintains the decision-making power over the relevant activities of these structured entities subject to consolidation and provides financial support through contracts, as is standard in the securitization market. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The most common ones are investment positions in equity tranches of notes; funding through subordinated debt; credit enhancements through derivative instruments or liquidity lines; management rights of defaulted securitized assets; &#x201c;clean-up&#x201d; call derivatives; and asset repurchase clauses by the grantor. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For these reasons, the loans and receivable portfolios related to the 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&#x2019;s consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For additional information on the accounting treatment for the transfer and derecognition of financial instruments, see Note 2.2.2. &#x201c;Transfers and derecognition of financial assets and liabilities&#x201d;. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Non-consolidated structured entities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x2013; &#x201c;Consolidated Financial Statements&#x201d;. The balance of assets and liabilities of these vehicles is not material in relation to the Group&#x2019;s Consolidated Financial Statements. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022 there was no material financial support from the Bank or its subsidiaries to non-consolidated structured entities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 will be adjusted to take into account the most significant transactions. As of December 31, 2024, financial statements as of December 31 of all Group entities were utilized except in the case of the consolidated financial statements of nine non-significant entities for which financial statements as of November 30, 2024 were used.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%"&gt;Business combinations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A business combination is a transaction, or any other deal, by which the Group obtains control over one or more businesses, accounting for by applying the &#x201c;acquisition method&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 accounted for. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The acquirer shall recognize an asset in the consolidated balance sheet under the heading &#x201c;Intangible assets - Goodwill&#x201d; (see Note 2.2.7) if on the acquisition date there is a positive difference between:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the sum of the consideration paid, the amount of all the minority interests and the fair value of the stock previously held in the acquired business; and &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the fair value of the assets acquired and liabilities assumed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;If this difference is negative, it shall be recognized directly in the income statement under the heading &#x201c;Negative goodwill recognized in profit or loss&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Minority 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 minority interests may be elected in each business combination. BBVA Group has always elected the second method.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt"&gt;Accounting principles and policies and applied valuation methods&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In preparing the Consolidated Financial Statements, the following accounting principles and policies and assessment criteria have been applied:&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Financial instruments&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On January 1, 2018, IFRS 9 came into force, replacing IAS 39 regarding the classification and measurement of financial assets and liabilities, credit impairment and hedge accounting. At that time, the Group chose to continue applying IAS 39 for hedge accounting, as permitted by IFRS 9. However, the Group has determined to apply the requirements of IFRS 9 to hedge accounting from January 1, 2025. This change in accounting policy applicable to hedging relationships had no significant impact on the Group's consolidated financial statements as of the date of its implementation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Classification and measurement of financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Classification of financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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").&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In order to determine the business model, the following aspects are taken into account:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The risks and their management, which affect the performance of the business model&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The way in which business model managers are remunerated and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The frequency, amount and timing of sales in previous years, the reasons for such sales and expectations regarding future sales.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The most significant judgments used by the Group in evaluating compliance with the conditions of the SPPI test are the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The main criteria taken into account in the analysis are:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Instruments with an interest rate linked to contingent events:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;An instrument with contractual cash flows that are indexed to the debtor&#x2019;s performance &#x2013; e.g. net income or is adjusted based on a certain index or stock market value would not meet the SPPI criterion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the specific case of loans granted by the BBVA Group where the financial remuneration is linked to the compliance with certain environmental, social and governance (hereinafter "ESG") conditions and criteria, the Group considers that the impact of compliance with the ESG criteria on the interest rate applied to the transactions is very limited and, therefore, meets the condition that it has a minimal effect on cash flows. Therefore, the existence of these ESG-linked clauses would not entail non-compliance with the aforementioned SPP test.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Based on the above characteristics, financial assets will be classified and valued as described below.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A debt instrument will be classified in the amortized cost portfolio if the two following conditions are fulfilled:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the contractual conditions of the financial asset give rise to cash flows that are only payments of principal and interest.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale of the assets; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the contractual characteristics of the instrument generate cash flows which only represent the return of the principal and interest.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;other comprehensive income&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Measurement of financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Financial assets held for trading&#x201d;, &#x201c;Non-trading financial assets mandatorily at fair value through profit or loss&#x201d; and &#x201c;Financial assets designated at fair value through profit or loss&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Financial assets are recorded under the heading &#x201c;Financial assets held for trading&#x201d; if the objective of the business model is to generate gains by buying and selling these financial instruments or to generate short-term results. The financial assets recorded in the heading &#x201c;Non-trading financial assets mandatorily at fair value through profit or loss" either have contractual cash flows that do not met the conditions of the SPPI test, or are not covered by a business model whose objective is either (i) to hold financial assets to collect contractual cash flows or (ii) achieved by collecting contractual cash flows and selling financial assets. Financial assets are classified in &#x201c;Financial assets designated at fair value through profit or loss&#x201d; only if such classification eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise from recognizing or measuring such financial assets on different bases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Gains (losses) on financial assets and liabilities held for trading, net&#x201d;, &#x201c;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#x201d; and &#x201c;Gains (losses) on financial assets designated at fair value through profit or loss, net&#x201d; in the consolidated income statement (see Note 41).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;"Financial assets at fair value through other comprehensive income&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Debt instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;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&#x201d; in the consolidated balance sheets (see Note 30).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amounts recognized under the headings &#x201c;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&#x201d; 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 &#x201c;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#x201d; in the consolidated income statements (see Note 41).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The net loss allowances in &#x201c;Financial assets at fair value through other comprehensive income&#x201d; over the year are recognized under the heading &#x201c;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&#x201d; (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 &#x201c;Exchange differences, net" in the consolidated income statements (see Note 41).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Financial assets at amortized cost&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Net loss allowances of assets recorded under these headings arising in each year, calculated using the IFRS 9 model, are recognized under the heading &#x201c;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification &#x2013; Financial assets measured at amortized cost&#x201d; in the consolidated income statement for such year (see Note 47).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Classification and measurement of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Classification of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Financial liabilities are classified in the following categories:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;financial liabilities at amortized cost;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;financial liabilities that are held for trading, including derivatives, are financial instruments which are recorded in this category when the Group&#x2019;s objective is to generate gains by buying and selling these financial instruments or generate short-term results; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Measurement of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Variations in the value of financial liabilities due to the interest accrual and similar items are recorded in the headings &#x201c;Interest and other income&#x201d; or &#x201c;Interest expense&#x201d;, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Financial liabilities held for trading&#x201d; and &#x201c;Financial liabilities designated at fair value through profit or loss&#x201c;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Gains (losses) on financial assets and liabilities held for trading, net&#x201d; and &#x201c;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#x201d; 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 &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that will not be reclassified to profit or loss &#x2013; Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk&#x201d;, unless this treatment brings about or increases an asymmetry in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Financial liabilities at amortized cost&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The liabilities under this category are subsequently measured at amortized cost, using the &#x201c;effective interest rate&#x201d; method.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Hybrid financial liabilities&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;&#x201c;Derivatives &#x2013; Hedge Accounting&#x201d; and &#x201c;Fair value changes of the hedged items in portfolio hedges of interest-rate risk&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group uses hedging derivatives as a tool for managing financial risks, mainly interest rates and exchange rates (see Note 7).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;When these transactions meet certain requirements, they are considered "hedging instruments".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In some hedging relationships, the Group additionally designates inflation risk as a contractually specified component in a debt instrument (for example, inflation-referenced bonds).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Hedge 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x201c;Gains (losses) from hedge accounting, net&#x201d; 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 &#x201c;Interest and other income&#x201d; or &#x201c;Interest expense&#x201d;, as appropriate, in the consolidated income statement (see Note 37).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x201c;Derivatives-Hedge Accounting&#x201d; 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 &#x201c;Gains (losses) from hedge accounting, net&#x201d;, 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;In cash flow hedges, the gain or loss on the hedging instruments relating to the effective portion is recognized temporarily under the heading &#x201c;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges (effective portion)&#x201d; in the consolidated balance sheets, with a corresponding offset under the heading &#x201c;Hedging derivatives&#x201d; 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&#x201d; in the consolidated income statement (see Note 37). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The changes in value of the hedging items corresponding to the ineffective portions of cash flow hedges are recognized directly in the heading &#x201c;Gains (losses) from hedge accounting, net&#x201d; in the consolidated income statement (see Note 41).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x2013; Hedging of net investments in foreign operations (effective portion)" in the consolidated balance sheets with a corresponding offset under the heading &#x201c;Hedging derivatives&#x201d; 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Loss allowances on financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The &#x201c;expected losses&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt"&gt;Stage&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; 1 &#x2013; Without significant increase in credit risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt"&gt;Stage&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; 2 &#x2013; Significant increases in credit risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt"&gt;Stage&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; 3 &#x2013; Impaired&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;Stage&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; 2, as the expected credit loss during the entire life of the asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group has applied the following definitions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Credit-impaired asset&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;An asset is credit-impaired (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;stage&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; 3) if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The definition of impaired asset under IFRS 9 is currently aligned with that of default used by the Group both for internal credit risk management and for regulatory purposes, in accordance with the definitions established in the European Banking Authority (hereinafter "EBA") Guidelines and in Article 178 of Regulation (EU) No 575/2013 (CRR). This alignment facilitates the integration of both definitions in credit risk management, giving coherence and consistency in the processes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Impaired assets for objective reasons or delinquency: when there are unpaid amounts of principal or interest for more than 90 days.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, the Group has not used terms exceeding 90 days past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:14.6pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt; Significant financial difficulties of the issuer or the borrower.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Breach of contractual clauses, such as events of default or default.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Increasing probability that the borrower will go into bankruptcy or some other situation of financial reorganization.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Disappearance of an active market for the financial asset due to financial difficulties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Others that may affect the committed cash flows such as the loss of the debtor's license or that it has committed fraud.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Sales of credit exposures of a client with a significant economic loss will imply that the rest of its operations are considered impaired.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Irregular repayment schedule.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt"&gt;Amounts of principal or interest written off from the balance sheet as its recovery is considered remote.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Significant increase in credit risk &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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, 2024, the Group has not considered periods higher than 30 days.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 to contracts with a current annualized probability of default (PD) of less than 0.3%. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Method for calculating Expected Credit Loss (ECL)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Method for calculating expected loss&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The measurement of expected losses must reflect:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;a considered and unbiased amount, determined by evaluating a range of possible results;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the time value of money; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Expected losses are measured both individually and collectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Type of instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Rating or scoring tools.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Credit risk scoring or rating.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Type of collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Amount of time at default for stage 3.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Segment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Qualitative criteria which can have a significant increase in risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Collateral value if it has an impact on the probability of a default event.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The estimated losses are derived from the following parameters:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;PD: estimate of the probability of default in each period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Use of present, past and future information&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 geographical areas in which the Group operates are the Gross Domestic Product (hereinafter "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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Derecognition of the balance due to impairment on financial assets (write-offs)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Transfers and derecognition of financial assets and liabilities &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Treatment of securitizations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Principles of consolidation&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Financial guarantees&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x2013; whether original or subsequently modified &#x2013; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The provisions recognized for financial guarantees are recognized under the heading &#x201c;Provisions - Provisions for contingent risks and commitments&#x201d; 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 &#x201c;Provisions or reversal of provision&#x201d; in the consolidated income statements (see Note 46).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Income from financial guarantees is recorded under the heading &#x201c;Fee and commission income&#x201d; 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Synthetic securitizations made by the Group to date meet the requirements of the accounting regulations for accounting as guarantees.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Tangible Assets&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tangible assets are classified according to their nature:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt"&gt;Property, plant and equipment for own use&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This heading includes the assets under ownership or acquired under lease terms (right to use), intended for future or current use by the Group and that it expects to hold for more than one year. It also includes tangible assets received by the Group in full or partial settlement of receivables from third parties which are expected to be held for continuing use.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:43.08pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%;padding-left:12.44pt"&gt;Investment properties&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Includes the value of land, buildings and other structures that are held either for rental or for capital gain on sale, and which are not expected to be used in the ordinary course of business and are not intended for own use. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt"&gt;Assets leased out under an operating lease&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Includes assets for which the Group has granted the right of use to another company through an operating lease contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, and as an accounting policy option, tangible assets are recorded in the balance sheets under the cost model, i.e., at acquisition cost, less the related accumulated depreciation and, if applicable, the estimated impairment losses resulting from comparing the net book value of each item with its corresponding recoverable value (see Note 17).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group uses the straight-line method to calculate depreciation over the estimated useful life of the asset. The depreciation charge for tangible assets is recorded under "Depreciation and amortization" in the income statement (see Note 45) and is the result of using the following depreciation rates:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.049%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;General depreciation rates for tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Type of assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Annual Percentage&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Buildings for own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1% - 4%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Furniture&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8% - 10%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6% - 12%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Office supplies and hardware&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8% - 25%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Lease use rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The lesser of the lease term or the useful life of the underlying asset&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;At each reporting date, the Group analyzes whether there are indicators that a tangible asset may be impaired and, if any, adjusts the carrying amount to its recoverable amount, modifying future depreciation charges in accordance with its revised remaining useful life. Similarly, if there is indication that the value of a tangible asset that was previously impaired has been recovered, the Group estimates the recoverable amount of the asset and recognizes in the income statement the reversal of the impairment loss recognized in previous years and thus, adjusts the future depreciation charges. Any impairment or reversal of impairment will be recognized with the offsetting entry recorded to the heading &#x201c;Impairment or reversal of impairment of non-financial assets - Intangible assets&#x201d; of the consolidated income statement (see Note 49).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the BBVA Group, most of the buildings held for own use are assigned to the different Cash Generating Units (hereinafter, "CGUs") to which they belong. The corresponding impairment analyses are performed for these CGUs to determine whether sufficient cash flows are generated to support the value of the assets comprised therein.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Operating and maintenance expenses relating to tangible assets for own use are recognized in the year in which they are incurred under "Administrative expenses - Property, plant and equipment" in the income statement (see Note 44.2).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is adjusted, at each balance sheet date, to show variations in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Leases&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, the Group will record assets and liabilities for lease contracts by recording a right of use (right to use the leased asset) under ''Tangible assets - Property, plant and equipment'' and ''Tangible assets - Investment property'' (see Note 17), and a lease liability (its obligation to make lease payments) under ''Financial liabilities at amortized cost - Other financial liabilities'' (see Note 22.5). The BBVA Group applies two exceptions in the case of short-term leases and leases whose underlying asset is of low value. In these cases, lease payments are recognized under "Other operating expense" (see Note 42) in the consolidated income statement over the term of the lease.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;At the initial date of the lease, the lease liability is equal to the present value of all lease unpaid payments. Subsequently, it is valued at amortized cost.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The right to use assets is initially recorded at cost and is subsequently reduced by accumulated amortization and accumulated impairment. The Group has decided to calculate depreciation using the straight-line method. Depreciation of tangible assets is recorded under "Depreciation and amortization" in the consolidated statement of income (see Note 45).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The interest expense on the lease liability is recorded under the heading &#x201c;Interest expense&#x201d; (see Note 37.2). Variable payments not included in the initial measurement of the lease liability are recorded under the heading &#x201c;Administration costs &#x2013; Other administrative expense&#x201d; (see Note 44.2).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Operating lease and sublease incomes are recognized in the consolidated income statements under the headings &#x201c;Other operating income&#x201d; (see Note 42).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On the other hand, when the Group acts as a lessor, it classifies leases as finance or operating leases. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In finance leases, the sum of the present values of the amounts received plus the guaranteed residual value is recorded as financing provided to third parties and is included under "Financial assets at amortized cost" in the consolidated balance sheet (see Note 14).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In operating leases, the acquisition cost of the leased assets is presented under "Tangible assets - Property, plant and equipment - Assigned under operating leases" in the consolidated balance sheet (see Note 17). These assets are depreciated in accordance with the policies adopted for similar tangible assets for own use and the income and expenses arising from the lease contracts are recognized in the consolidated income statement on a straight-line basis under "Other operating income" and "Other operating expense", respectively (see Note 42).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This heading 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 (&#x201c;discontinued operation&#x201d;) 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, it includes assets that were expected to be disposed of within one year, but for which disposal there is a delay caused by events and circumstances beyond the Group's control, and there is sufficient evidence that the Group remains committed to its plan for sale (see Note 21), in particular, regarding real estate assets or other assets received to cancel, in whole or in part, the payment obligations of debtors for credit operations. These assets are not amortized as long as they remain in this category.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With respect to valuation, in general, foreclosed real estate assets or assets received in payment of debts are recognized both at the date of acquisition and subsequently, at the lower of their fair value less estimated costs to sell and their carrying amount, with the possibility of recognizing an impairment or reversal of impairment for the difference, if applicable. When the amount of the sale less estimated costs to sell exceeds the carrying amount, the gain is not recognized until the time of disposal and derecognition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The applicable carrying value of the financial asset is updated at the time of foreclosure, treating the foreclosed property as collateral and taking into account the corresponding credit risk hedges at the time prior to delivery. The fair value of foreclosed assets is based mainly on appraisals or valuations performed by independent experts with a maximum age of one year, or less if there are indications of impairment; in addition, by appraisal, the need to apply a discount on the asset based on its specific conditions or market conditions for such type of assets is evaluated and, in any case, the entity&#x2019;s estimated sale costs are deducted.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Gains/losses on disposal of these assets and impairment losses are recognized under "Gains (losses) on non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations" in the consolidated income statement (see Note 50). Other income and expenses are classified in the income statement items according to their nature.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The income and expenses of discontinued operations generated in the year, even if they were generated prior to their classification as discontinued operations, are presented, net of the tax effect, as a single amount under "Profit (loss) after tax from discontinued operations" in the consolidated income statement. This caption also includes the results obtained on disposal (net of the tax effect).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of assets is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Intangible assets&lt;/span&gt;&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Goodwill&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Goodwill represents the advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Goodwill is allocated to one or more cash-generating units (CGUs) that are expected to be the beneficiaries of the synergies derived from the business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows for the Group. Goodwill is not amortized and is periodically tested for impairment (see Note 18), comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, with its recoverable amount.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Impairment losses on goodwill are recorded under "Impairment or reversal of impairment of non-financial assets - Intangible assets" (see Note 49). &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Other intangible assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These assets may have an indefinite useful life if 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Intangible assets with indefinite useful lives are not amortized but are tested for impairment at least annually.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. Finite useful life intangible assets consist mainly of IT applications acquisition costs which have a useful life, in general, of 5 years. Internally developed software is recognized as an intangible asset when, among other requirements, it has the capacity to be used or sold, it is identifiable and its capacity to generate economic benefits in the future can be demonstrated. The amortization charge of these assets is recognized in the consolidated income statements under the heading "Depreciation and amortization" (see Note 45).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Any impairment losses on the carrying amount of these assets will be recognized under the heading &#x201c;Impairment or reversal of impairment on non-financial assets- Intangible assets&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Insurance and reinsurance contracts&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;IFRS 17 superseded IFRS 4 as the accounting standard applicable to the recognition, measurement and presentation of contracts that transfer significant insurance risk. The initial application date of IFRS 17 by the BBVA Group was January 1, 2023 and it has been applied to the year ended December 31, 2023, with a transition date of January 1, 2022. In order to make the information as of and for the year ended December 31, 2022 comparable with the information as of and for the years ended December 31, 2024 and 2023, the balance sheet as of December 31, 2022 and the income statement for the year ended December 31, 2022 were restated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The assets and liabilities of the BBVA Group&#x2019;s insurance subsidiaries are recognized according to their nature under the corresponding headings of the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Insurance and reinsurance assets&#x201d; 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 value of reinsurance covers in respect of the insurance liabilities recognized by the consolidated subsidiaries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Liabilities under insurance and reinsurance contracts&#x201d; in the consolidated balance sheets includes the liabilities recognized due to insurance contracts recorded by the consolidated subsidiaries in accordance with IFRS 17 (see Note 23).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The income or expense reported by the BBVA Group&#x2019;s consolidated insurance subsidiaries on their insurance activities is recognized, in accordance with their nature, in the corresponding items of the consolidated income statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Definition, grouping and classification&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group evaluates whether a significant insurance risk from a third party is being accepted in its contracts, when agreeing to compensate the policyholder if a specified uncertain future event adversely affects the policyholder. Thus, it identifies those insurance contracts that fall within IFRS 17. This evaluation was already carried out by the Group under IFRS 4 for the classification of its contracts between insurance contracts and financial liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group groups insurance contracts considering the following aspects:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Whether they are subject to similar risks and are managed jointly, separating as well direct insurance and reinsurance contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Their profitability or onerousness (in general, the Group classifies contracts by their profitability into two groups: onerous contracts, and non-onerous contracts or contracts without a significant possibility of becoming onerous&lt;/span&gt;&lt;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"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Their year of issuance or cohort, grouping by this last criterion the contracts issued in the calendar year, i.e., between January 1 and December 31 of each year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Since the Group chose the fair value transition approach, for long-term contracts (mainly life-risk and life-saving insurance) issued prior to the transition date of January 1, 2022, it has not been necessary to aggregate the contracts by previous cohorts. For contracts issued after the transition date, the Group classifies them by year of issuance, and therefore, the Group has not accepted the exception provided for in the adoption of the standard by the European Union on annual cohorts in products with matched cash flows&lt;/span&gt;&lt;span style="background-color:#ffffff;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"&gt;2&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group has applied the analysis on the separation of non-insurance components only to insurance contracts falling under the scope of IFRS 17, with the entities identifying within their portfolios the existence of non-insurance components, and concluding based on expert judgment whether or not they need to separate them. In the case of non-separable investment components, they are included in the asset or liability, as appropriate, but are excluded from insurance income or expenses in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The initial recognition date has been established as the earliest of: the beginning of the coverage period of the group of contracts, the date when the first payment from an insurance policyholder in the group became due, or in the case of a group of onerous contracts, when the group becomes onerous. From that date, the insurance and reinsurance contracts have been reflected in the consolidated financial statements and valued in accordance with the provisions of IFRS 17.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group derecognizes insurance contracts when the contract expires, that is, upon expiration of the contract or upon settlement of all the benefits of the contract or upon its cancellation; or when a modification is made to the terms of the contract that gives rise to derecognition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Valuation methods&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group carries out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, applying the General Model (Building Block Approach) by default to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Fee Approach&lt;/span&gt;&lt;span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The General Model requires that insurance contracts be initially valued for the total of:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;fulfillment cash flows, which comprise the estimation of future cash flows discounted to reflect the time value of money, the financial risk associated, 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;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;and the contractual service margin (CSM), which represents the expected unearned profit from insurance contracts, which will be recognized in the entity&#x2019;s income statement as the service is provided in the future, instead of being recognized at the time of the estimation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Subsequently, the amount recognized in the consolidated balance sheet for each group of insurance contracts measured under this model comprises the liability for remaining coverage, which includes the aforementioned fulfillment cash flows and the contractual service margin, and the liability for incurred claims, which includes the cash flows from related to claims that have occurred, but have not been paid, 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 by the uncertainty associated with the amount and timing of the expected cash flows. The Group uses the General Model for the valuation of liabilities under insurance and reinsurance contracts that correspond to long-term commitments, a portfolio that represents the majority of what is recorded in the balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group used the Simplified Model in the valuation of the liability for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year but which are not expected to have a valuation significantly different from that of the General Model. Under this Simplified Model, the liability for remaining coverage is made up of the premiums received (collected), less the cash flows for the acquisition of the insurance paid, plus or minus the premiums or expected acquisition cash flows recorded in the income statement, respectively. The income statement recording is carried out on a linear basis throughout the coverage period of the contract, in the event that the accrual of income is also accrued. By default, the Group has chosen to defer acquisition expenses, although there is an option to recognize such expenses when they are incurred. In turn, the groups of contracts valued under this model have a liability for incurred claims calculated in a manner similar to that of the General Model. The Group has valued direct insurance contracts whose coverage period is less than one year, using the Simplified Model, the same method used for the valuation of assets for the reinsurance ceded. This model has also been used by the Group when the valuation under this Simplified Model does not differ significantly from that which would be produced by applying the General Model. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amount of the contracts valued following the Variable Fee Approach is residual in the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group has defined and identified for each group of contracts the hedging units to be used for the release to profit or loss of the contractual service margin, in accordance with IFRS 17, and subsequent interpretations issued by the Transition Resource Group for IFRS 17 and the IFRIC. The adjustments made to the contractual service margin in the subsequent measurement are those established in paragraph 44 of IFRS 17.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Furthermore, the Group has chosen the accounting policy option of not changing the treatment of accounting estimates made in previous interim closings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Discount rate&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The methodology used to obtain the discount rate differs according to the entity and portfolio to which it is applied, highlighting mainly the cases of the companies in Spain and Mexico, where the Group has greater presence (see Note 23). In the first case, the top-down approach has been mainly applied and it has been verified that the Internal Rate of Return (hereinafter &#x201c;IRR&#x201d;) of the entity&#x2019;s asset portfolio converges with the IRR of a reference portfolio from which the European Insurance and Occupational Pensions Authority (hereinafter &#x201c;EIOPA&#x201d;) fundamental spread is discounted for. In the second case, the top-down approach has been used for immunized portfolios (see Glossary), eliminating the spread 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 rate. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Risk adjustment for non-financial risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The risk adjustment for non-financial risk represents the compensation required for bearing uncertainty about the amount and timing of the associated cash flows. To estimate the non-financial risk adjustment, the Group has used its own methodologies based on calculations of the Value at Risk (VaR) of the commitments associated with the Life and Non-Life businesses, using in the case of Spain a confidence level of 80% and in the case of Mexico 70%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Onerosity&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;An insurance contract is onerous at the date of initial recognition if the fulfilment cash flows allocated to the contract, any previously recognized insurance acquisition cash flows and any cash flows arising from the contract at the date of initial recognition in total are a net outflow.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group has classified the contracts valued under the General Model into onerous groups, considering the fulfillment cash flows, acquisition expenses and any other attributable cash flow. The evaluation is carried out, in general terms, contract by contract, except in those cases where it is possible to group into sets of homogeneous contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Contracts valued under the Simplified Model, by default, are assumed to be non-onerous at their initial recognition, unless there are facts and circumstances that indicate otherwise, where the Group relies on information from existing internal reports (ratios and indicators) for monitoring business performance, adjusted to the criteria of IFRS 17, as well as market evolution expectations based on expert judgment. The granularity to carry out this evaluation may be the same as that used to monitor the business through the abovementioned internal reports.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the same way as the contractual service margin represents the estimated future benefit of the insurance contract, the loss component is the estimated loss of the onerous contract. The accounting record of these two concepts has a different temporality:&lt;/span&gt;&lt;span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;while the margin is deferred throughout the duration of the contract according to the contractual limits, the loss component is recognized in the income statement as soon as it is known, which will result in the carrying amount of the group's liability being equal to the fulfilment cash flows and the group's contractual service margin being equal to zero.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Throughout the life of a contract, the assumptions used to project future cash flows may change and, consequently, the expected return on a contract may increase or decrease. This means that a group of contracts initially classified as onerous may become more onerous, or on the contrary, in the subsequent measurement the assumptions used to estimate the cash flows may change so much that the previously recognized loss could be reversed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Reinsurance&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, the Group values reinsurance covers under the Simplified Model, valuing the asset for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year, but which are not expected to produce a valuation significantly different from that of the General Model. This method also includes the asset for incurred claims.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Effect on results&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, for the presentation of the financial income or expenses from insurance contracts that arise as a result of the change in the discount rate, both due to the effect of the time value of money as well as the effect of financial risk, the Group has chosen the accounting policy option of disaggregating these financial income or expenses from insurance contracts between recording them in the "Net interest income" and in "Accumulated other comprehensive income (loss)", in order to minimize accounting asymmetries in the valuation and recognition of financial investments under IFRS 9 and insurance contracts under IFRS 17.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 income or expense from insurance contracts. Insurance revenue is recognized over the period the entity provides insurance coverage, excluding any investment component.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The loss component, in the case of onerous contracts, corresponds to the losses attributable to each group of contracts, both at initial recognition and at a later time.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Tax assets and liabilities&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Expenses on corporate income tax applicable to the BBVA Group&#x2019;s Spanish entities and on similar income taxes applicable to consolidated foreign entities are recognized as an expense for the period 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Deferred tax assets and liabilities include temporary differences, the carryforward of unused tax losses and carryforward of unused tax credits 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x201d; (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&#x201d; (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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 only 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 if it is necessary to make adjustments 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The income and expense directly recognized in consolidated equity that do not increase or decrease taxable income are accounted for as temporary differences.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Provisions, contingent assets and contingent liabilities&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Provisions&#x201d; in the consolidated balance sheets includes amounts recognized to cover the BBVA Group&#x2019;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 provisions are recognized in the consolidated balance sheets when each and every one of the following requirements is met:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;It is probable that an outflow of resources embodying economic benefits will be required to settle the obligation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The amount of the obligation can be reasonably estimated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Among other items, these provisions include the commitments made to employees by some of the Group entities mentioned in Note 2.2.13, as well as provisions for tax and legal litigation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 (see Note 34).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Treasury shares&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The value of common stock issued by the BBVA Group&#x2019;s entities and held by them - basically, shares and derivatives on the Bank&#x2019;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&#x2019; funds - Treasury shares" in the consolidated balance sheets (see Note 29).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Shareholders&#x2019; funds - Retained earnings&#x201d; in the consolidated balance sheets (see Note 28).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Equity - Other Reserves) (see Notes 22.5 and 28).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"&gt;Equity-settled share-based payment transactions&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Equity&#x2013;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 &#x201c;Shareholders&#x2019; funds &#x2013; Other equity&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Pensions and other post-employment commitments &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Short-term employee benefits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Benefits for current active employees which are accrued and settled during the year and for which a provision is not required in the entity&#xb4;s accounts. These include wages and salaries, social security charges and other personnel expense.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Costs are charged and recognized under the heading &#x201c;Administration costs &#x2013; Personnel expense &#x2013; Other personnel expense&#x201d; of the consolidated income statement (see Note 44.1).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Post-employment benefits &#x2013; Defined-contribution plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The contributions made to these plans in each year by BBVA Group entities are charged and recognized under the heading &#x201c;Administration costs &#x2013; Personnel expense&#x2013; Defined-contribution plan expense&#x201d; of the consolidated income statement (see Note 44.1). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Post-employment benefits &#x2013; Defined-benefit plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, some of the Spanish Group 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Furthermore, certain Group entities provide welfare and medical benefits which extend beyond the date of retirement of the employees entitled to the benefits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;All of these commitments are quantified based on actuarial valuations, with the amounts recorded under the heading &#x201c;Provisions &#x2013; Provisions for pensions and similar obligations&#x201d; 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Current service cost is charged and recognized under the heading &#x201c;Administration costs &#x2013; Personnel expense &#x2013; Defined-benefit plan expense&#x201d; of the consolidated income statement (see Note 44.1).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Interest credits/charges relating to these commitments are charged and recognized in net terms under the headings &#x201c;Interest and other income&#x201d; or, where appropriated, &#x201c;Interest expense&#x201d; of the consolidated income statement (see Note 37).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Past service costs arising from benefit plan changes as well as early retirements granted during the year are recognized under the heading &#x201c;Provisions or reversals of provisions&#x201d; of the consolidated income statement (see Note 46).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Other long-term employee benefits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These commitments are quantified based on actuarial valuations and the amounts recorded under the heading &#x201c;Provisions &#x2013; Other long-term employee benefits&#x201d; of the consolidated balance sheet (see Note 24).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Valuation of commitments: actuarial assumptions and recognition of gains/losses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The present value of these commitments is determined based on individual member data. Active employee costs are determined using the &#x201c;projected unit credit&#x201d; method, which treats each period of service as giving rise to an additional unit of benefit and values each unit separately.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In establishing the actuarial assumptions, we take into account that: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; They should be unbiased, i.e. neither unduly optimistic nor excessively conservative.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; 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, 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; The interest rate used to discount benefit commitments is determined by reference to market yields, at the balance sheet date, on high quality bonds.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group recognizes actuarial gains (losses) relating to early retirement benefits, long service awards and other similar items under the heading &#x201c;Provisions or reversal of provisions&#x201d; 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) &#x2013; Items that will not be reclassified to profit or loss &#x2013; Actuarial gains (losses) on defined benefit pension plans" of equity in the consolidated balance sheet (see Note 30).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Termination benefits&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Recognition of income and expense&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The most significant policies used by the BBVA Group to recognize its income and expense are as follows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Interest income and expense and similar items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a general rule, interest income and expense and similar items are recognized on the basis of their 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;They shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#x2019; portfolio which generates the income or expense:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;The interest income past-due before the initial recognition and pending to be received will be added to the gross carrying amount of the debt instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;The interest income accrued after the initial recognition will be added to the gross carrying amount of the debt instrument until it will be received.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the event that a debt instrument is considered impaired, interest income will be calculated by applying the effective interest rate to the amortized cost (that is, adjusting for any impairment loss) of the financial asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Income from dividends received:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Dividends shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#x2019; portfolio which generates this income:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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 be added to 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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 at the time the right to receive them arises, which is the time of the official announcement of receipt of the payment by the appropriate governing body of the entity. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Income from commissions collected/paid:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Financial fees are an integral part of the actual performance of a financing transaction and are collected in advance. They can be:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Fees charged for the origination or acquisition of financing transactions that are not measured at fair value through profit or loss, such as those charged for the evaluation of the borrower's financial condition, for the analysis and recording of various collateral, as well as those charged for negotiating the terms of transactions or preparing and processing documentation and the closing of transactions, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. These fees, forming part of the effective rate of the loans, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Fees agreed as compensation for the commitment to grant financing when it is not measured at fair value through profit or loss and it is probable that the Group will enter into a specific loan agreement, are deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. If the commitment expires before the entity makes the loan such fee is recognized as revenue at the time of expiration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Non-financial commissions derived from the provision of financial services other than financing transactions may be:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Related to the performance of a service rendered over time (e.g. account administration fees or fees collected in advance for the issuance or renewal of credit cards), in which case they are recognized over time based on the degree of progress in providing the service.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Related to the performance of a service rendered at a specific time (e.g. underwriting of securities, currency exchange, advice or syndication of a loan), in which they are recognized in the income statement at the time of collection.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Non-financial income and expense:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a general rule, they are recognized on an accrual basis, that is, as the contractually committed goods or services are delivered or rendered and recognized as revenue over the life of the contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the event that consideration is received or there is a right to receive consideration without delivery of the contractually committed goods or services, a liability is recognized in the balance sheet until it is recognized in the income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the case of collections and payments deferred over time, they are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Commissions, fees and similar items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Those relating to financial assets and liabilities measured at fair value through profit or loss, which are recognized immediately in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;Those relating to a singular transaction, which are recognized when this singular transaction is carried out.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Deferred collections and payments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Sales of assets and income from the provision of non-financial services&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Other operating income&#x201d; 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).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Foreign-currency transactions and exchange differences&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;foreign currency&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Conversion to euros of the balances held in foreign currency is performed in two consecutive stages:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;conversion of the foreign currency to the entity&#x2019;s functional currency (currency of the main economic environment in which the entity operates); and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;conversion to euros of the balances held in the functional currencies of the entities whose functional currency is not the euro.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Conversion of the foreign currency to the entity&#x2019;s functional currency&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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,&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Non-monetary items valued at their historical cost are converted to the functional currency at the exchange rate applicable on the purchase date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Monetary items are converted to the functional currency at the closing exchange rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Income and expense are converted at the period&#x2019;s average exchange rates for all the operations carried out during the year, except in those geographical areas where IAS 29 &#x201c;Financial Reporting in Hyperinflationary Economies&#x201d; applies (see Note 2.2.18). 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;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&#x201d; in the consolidated balance sheets (see Note 30).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Conversion of functional currencies to euros&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The balances in the financial statements of consolidated entities whose functional currency is not the euro are converted to euros as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Assets and liabilities: at the closing spot exchange rates as of the date of each of the consolidated balance sheets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Equity items: at the historical exchange rates. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that may be reclassified to profit or loss - Foreign currency translation&#x201d; in the consolidated balance sheets (see 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 &#x201c;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" (see Note 30), until the item to which they relate is derecognized, at which time they are recognized in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 2.2.18). 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 &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that may be reclassified to profit or loss - Foreign currency translation&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the main consolidated balances in foreign currencies, with reference to the most significant foreign currencies, is set forth in Appendix VII.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Venezuela&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, 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 2.2.18).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Entities and branches located in countries with hyperinflationary economies&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In accordance with the criteria established in IAS 29 "Financial Reporting in Hyperinflationary Economies&#x201d;, 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Since 2022, 2018 and 2009, the economies of Turkey, Argentina and Venezuela, respectively, have been considered hyperinflationary under the above criteria. As a result, the financial statements of the BBVA Group&#x2019;s entities located in such geographical areas have been adjusted to correct for the effects of inflation. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a consequence of the application of IAS 29 "Financial Reporting in Hyperinflationary Economies", the Group applies the following criteria in the financial statements of the Group companies that operate in these three geographical areas:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The historical cost of non-monetary assets and liabilities (see Notes 17, 18 and 21), 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 with "Accumulated other comprehensive income (loss)" as counterparty.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Consequently, 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)".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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)".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 "Effects of Changes in Foreign Exchange Rates".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Turkey&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The combined result derived from the application of the above criteria amounts to a loss of &#x20ac;1,742 million in 2024, of which &#x20ac;1,498 million is attributable to owners of the parent (&#x20ac;2,242 and &#x20ac;1,793 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#x20ac;1,512 million and is recorded in the line &#x201c;Other operating expense&#x201d; in the consolidated income statement (&#x20ac;2,118 and &#x20ac;2,323 million in 2023 and 2022, respectively), and it was partially offset by the positive impact of the revaluation of certain bonds linked to inflation, for a gross amount of &#x20ac;1,164 million (&#x20ac;1,202 and &#x20ac;1,490 million in 2023 and 2022, respectively), given that, under IAS 29 "Financial Reporting in Hyperinflationary Economies", these types of bonds are considered protective assets (see Note 42).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, during 2024 the impact on equity of Group entities located in Turkey derived from the application of IAS 29 and the conversion to the euro (IAS 21) amounted to &#x20ac;1,253 million (&#x20ac;-355 million in 2023), of which &#x20ac;1,072 million (&#x20ac;-306 million in 2023) have been recorded within &#x201c;Equity &#x2013; Accumulated other comprehensive income (loss)&#x201d;, and &#x20ac;181 million (&#x20ac;-49 million in 2023) have been recorded within &#x201c;Minority interests &#x2013; Accumulated other comprehensive income (loss)&#x201d;, respectively (see Notes 30 and 31). In 2022 the impact on equity of Group entities located in Turkey derived from the retrospective application of IAS 29 "Financial Reporting in Hyperinflationary Economies" since January 1, 2022, in the Turkish subsidiaries was an increase in equity of &#x20ac;130 million, mainly the result of the revaluation of tangible assets and inflation-linked bonds. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;According to the Turkish Statistical Institute (Turkstat), accumulated inflation in 2024 stood at 44.4% (64.8% and 64.3% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 36.74 Turkish lira per euro (32.65 and 19.96 in 2023 and 2022, respectively). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Argentina&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The combined result derived from the application of the above criteria amounted to a loss of &#x20ac;1,208 million, of which &#x20ac;810 million is attributable to owners of the parent in 2024 (&#x20ac;1,574 and &#x20ac;694 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#x20ac;1,419 million and is recorded in the line &#x201c;Other operating expense&#x201d; in the consolidated income statement in 2024 (&#x20ac;1,062 million and &#x20ac;822 million in 2023 and 2022, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Furthermore, during 2024, 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 &#x20ac;1,115 million (&#x20ac;-634 million and &#x20ac;242 million in 2023 and 2022, respectively) of which &#x20ac;745 million (&#x20ac;-428 million and &#x20ac;157 million in 2023 and 2022, respectively) have been recorded within &#x201c;Equity &#x2013; Accumulated other comprehensive income (loss)&#x201d;, and &#x20ac;370 million (&#x20ac;-206 million and &#x20ac;84 million in 2023 and 2022, respectively) have been recorded within &#x201c;Minority interests &#x2013; Accumulated other comprehensive income (loss)&#x201d; (see Notes 30 and 31).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Accumulated inflation estimated by the National Census Institute of Argentina (Indec) and BBVA Research for the year 2024 was 118% (215% and 97% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 1,072.66 Argentine pesos per euro (892.81 and 188.51 in 2023 and 2022, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Venezuela&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The combined result derived from the application of the above criteria amounted to a loss of &#x20ac;36 million, of which &#x20ac;20 million is attributable to owners of the parent in 2024 (&#x20ac;10 million and &#x20ac;6 million attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#x20ac;42 million and is recorded in the line &#x201c;Other operating expense&#x201d; in the consolidated income statement in 2024 (&#x20ac;28 million in each of 2023 and 2022).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;During 2024, 2023 and 2022 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Accumulated inflation for the year 2024, as estimated by BBVA Research, was 69% (111% and 292% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 68.83 Venezuelan bolivars per euro (43.23 and 19.79 in 2023 and 2022, respectively). &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt"&gt;Recent IFRS pronouncements &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"&gt;Standards and interpretations that became effective in 2024&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2024, various amendments to the IFRS standards or their interpretations or modifications (hereinafter &#x201c;IFRIC&#x201d; or "interpretation") became effective, among which the following should be highlighted:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Amendment to IFRS 16 "Leases"&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The IASB has issued an amendment to IFRS 16 that clarifies the requirements for sale-and-leaseback transactions. According to the new requirements, the seller-lessee shall determine &#x2018;lease payments&#x2019; or &#x2018;revised lease payments&#x2019; in such a way that the seller-lessee does not recognize any amount of the gain or loss that relates to the right of use retained by the seller-lessee. On the other hand, the new requirements do not prevent a seller-lessee from recognizing in its results any gain or loss related to the partial or total termination of a lease. The amendments became effective on January 1, 2024. The standard has not had any significant impact on the consolidated financial statements of the BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Standards and interpretations issued but not yet effective as of December 31, 2024&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following new IFRS standards and Interpretations or Modifications had been published at the date of preparation of the Consolidated Financial Statements, but were not mandatory as of December 31, 2024. The Group is currently evaluating the potential effects of each of these new standards or amendments. Although in some cases the IASB allows early adoption of new standards, interpretations and amendments before their effective date, the BBVA Group has not proceeded with this option for any such changes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Amendment to IAS 21: "The Effects of Changes in Foreign Exchange Rates"&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On August 15, 2023, the IASB issued a series of amendments to IAS 21 - The effects of changes in foreign exchange rates. The standard has a double objective, on the one hand to provide guidance on when one currency is convertible into another and, on the other hand, how to determine the exchange rate to be used in accounting when it is concluded that such convertibility does not exist.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In relation to the first objective, one currency is convertible into another when an entity can obtain the other currency within a time frame that allows for a normal administrative delay; and through markets or exchange mechanisms in which an exchange transaction creates enforceable rights and obligations. If the entity determines that there is no convertibility between currencies, it must estimate an exchange rate. The standard does not establish a specific estimation technique for such exchange rates, but rather establishes guidelines for their determination, allowing the use of an observable type without adjusting or using an estimation technique.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The modification to the standard will come into force on January 1, 2025. Early application is permitted, although the BBVA Group has not adopted it as of December 31, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;IFRS 18 "Presentation and Disclosures in Financial Statements"&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On April 9, 2024, the IASB issued IFRS 18 "Presentation and Disclosures in Financial Statements" which introduces new requirements to improve the quality of information presented in financial statements and to promote analysis, transparency and comparability of companies' performance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Specifically, IFRS 18 introduces three predefined expense categories (operating, investing and financing) and two subtotals ("operating profit" and "profit before financing and income taxes") to provide a consistent structure in the income statement and facilitate the analysis of the income statement. Additionally, it introduces disclosure requirements for management-defined performance measures (MPM). Finally, it establishes requirements and provides guidance on aggregation/disaggregation of the information to be provided in the primary financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This new standard will come into force on January 1, 2027, with early application permitted once it is adopted by the European Union.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;IFRS 19 "Subsidiaries without Public Accountability: Disclosures" &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On May 9, 2024, the IASB issued IFRS 19 "Subsidiaries without Public Accountability: Disclosures" which allows certain eligible entities to elect to apply the reduced disclosure requirements of IFRS 19 while continuing to apply the requirements of recognition, valuation and presentation of other IFRS accounting standards. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This new standard will enter into force on January 1, 2027, allowing early application once it is adopted by the European Union. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the Group there are no eligible entities within the scope of this standard, so no significant impact on the BBVA Group's financial statements is expected.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Amendments to IFRS 9 and IFRS 7: Amendments to the classification and measurement of financial instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On May 30, 2024 the IASB issued amendments to IFRS 9 and IFRS 7 to clarify, among others, how to assess the contractual cash flow characteristics of financial assets that include contingent features such as the achievement of Environmental, Social and Governance targets. Additionally, they clarify that a financial liability should be derecognized on the 'settlement date' and introduce an accounting policy option to derecognize before that date financial liabilities that are settled using an electronic payment system. Finally, additional disclosures are required by IFRS 7 for financial instruments with contingent characteristics and equity instruments classified at fair value through other comprehensive income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amendments will come into force on January 1, 2026, although they may be applied earlier once they have been adopted by the European Union. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Annual improvements applied to its International Financial Reporting Standards (IFRS)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The IASB has issued a number of minor amendments and improvements to various IFRSs to clarify their wording or correct minor consequences, oversights or conflicts between the requirements of the Standards. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Standards affected are: IFRS 1 "First-time adoption of International Financial Reporting Standards", IFRS 7 "Financial instruments, disclosures", IFRS 9 "Financial instruments", IFRS 10 "Consolidated financial statements" and IAS 7 "Statement of cash flows". &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These modifications will come into force on January 1, 2026, although a significant impact on the BBVA Group's financial statements is not expected.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Amendments to IFRS 9 and IFRS 7: Contracts that refer to nature-dependent electricity&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On December 18, 2024, the IASB issued amendments to IFRS 9 and IFRS 7 to address the accounting for contracts for the purchase and sale of renewable electricity, called Power Purchase Agreements (PPA). The amendments include guidance on the &#x201c;own use&#x201d; exemption for purchasers of electricity and requirements to apply hedge accounting on these arrangements.&lt;/span&gt;&lt;/div&gt;The amendments will come into force on January 1, 2026, although it can be applied earlier once they have been adopted by the European Union.</bbva:DisclosureOfPrinciplesOfConsolidationAccountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsTextBlock>
    <bbva:AccountingPolicyForFinancialInstrumentsPolicyTextBlock contextRef="c-1" id="f-1762">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:22.11pt"&gt;Accounting principles and policies and applied valuation methods&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In preparing the Consolidated Financial Statements, the following accounting principles and policies and assessment criteria have been applied:&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Financial instruments&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On January 1, 2018, IFRS 9 came into force, replacing IAS 39 regarding the classification and measurement of financial assets and liabilities, credit impairment and hedge accounting. At that time, the Group chose to continue applying IAS 39 for hedge accounting, as permitted by IFRS 9. However, the Group has determined to apply the requirements of IFRS 9 to hedge accounting from January 1, 2025. This change in accounting policy applicable to hedging relationships had no significant impact on the Group's consolidated financial statements as of the date of its implementation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Classification and measurement of financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Classification of financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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").&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In order to determine the business model, the following aspects are taken into account:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The risks and their management, which affect the performance of the business model&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The way in which business model managers are remunerated and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The frequency, amount and timing of sales in previous years, the reasons for such sales and expectations regarding future sales.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The most significant judgments used by the Group in evaluating compliance with the conditions of the SPPI test are the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The main criteria taken into account in the analysis are:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Instruments with an interest rate linked to contingent events:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:108pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;An instrument with contractual cash flows that are indexed to the debtor&#x2019;s performance &#x2013; e.g. net income or is adjusted based on a certain index or stock market value would not meet the SPPI criterion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.6pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the specific case of loans granted by the BBVA Group where the financial remuneration is linked to the compliance with certain environmental, social and governance (hereinafter "ESG") conditions and criteria, the Group considers that the impact of compliance with the ESG criteria on the interest rate applied to the transactions is very limited and, therefore, meets the condition that it has a minimal effect on cash flows. Therefore, the existence of these ESG-linked clauses would not entail non-compliance with the aforementioned SPP test.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Based on the above characteristics, financial assets will be classified and valued as described below.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A debt instrument will be classified in the amortized cost portfolio if the two following conditions are fulfilled:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the contractual conditions of the financial asset give rise to cash flows that are only payments of principal and interest.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale of the assets; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the contractual characteristics of the instrument generate cash flows which only represent the return of the principal and interest.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;other comprehensive income&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Measurement of financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Financial assets held for trading&#x201d;, &#x201c;Non-trading financial assets mandatorily at fair value through profit or loss&#x201d; and &#x201c;Financial assets designated at fair value through profit or loss&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Financial assets are recorded under the heading &#x201c;Financial assets held for trading&#x201d; if the objective of the business model is to generate gains by buying and selling these financial instruments or to generate short-term results. The financial assets recorded in the heading &#x201c;Non-trading financial assets mandatorily at fair value through profit or loss" either have contractual cash flows that do not met the conditions of the SPPI test, or are not covered by a business model whose objective is either (i) to hold financial assets to collect contractual cash flows or (ii) achieved by collecting contractual cash flows and selling financial assets. Financial assets are classified in &#x201c;Financial assets designated at fair value through profit or loss&#x201d; only if such classification eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise from recognizing or measuring such financial assets on different bases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Gains (losses) on financial assets and liabilities held for trading, net&#x201d;, &#x201c;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&#x201d; and &#x201c;Gains (losses) on financial assets designated at fair value through profit or loss, net&#x201d; in the consolidated income statement (see Note 41).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;"Financial assets at fair value through other comprehensive income&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Debt instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;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&#x201d; in the consolidated balance sheets (see Note 30).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amounts recognized under the headings &#x201c;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&#x201d; 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 &#x201c;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&#x201d; in the consolidated income statements (see Note 41).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The net loss allowances in &#x201c;Financial assets at fair value through other comprehensive income&#x201d; over the year are recognized under the heading &#x201c;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&#x201d; (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 &#x201c;Exchange differences, net" in the consolidated income statements (see Note 41).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Financial assets at amortized cost&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Net loss allowances of assets recorded under these headings arising in each year, calculated using the IFRS 9 model, are recognized under the heading &#x201c;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification &#x2013; Financial assets measured at amortized cost&#x201d; in the consolidated income statement for such year (see Note 47).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Classification and measurement of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Classification of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Financial liabilities are classified in the following categories:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;financial liabilities at amortized cost;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;financial liabilities that are held for trading, including derivatives, are financial instruments which are recorded in this category when the Group&#x2019;s objective is to generate gains by buying and selling these financial instruments or generate short-term results; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Measurement of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Variations in the value of financial liabilities due to the interest accrual and similar items are recorded in the headings &#x201c;Interest and other income&#x201d; or &#x201c;Interest expense&#x201d;, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Financial liabilities held for trading&#x201d; and &#x201c;Financial liabilities designated at fair value through profit or loss&#x201c;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Gains (losses) on financial assets and liabilities held for trading, net&#x201d; and &#x201c;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&#x201d; 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 &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that will not be reclassified to profit or loss &#x2013; Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk&#x201d;, unless this treatment brings about or increases an asymmetry in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Financial liabilities at amortized cost&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The liabilities under this category are subsequently measured at amortized cost, using the &#x201c;effective interest rate&#x201d; method.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x201c;Hybrid financial liabilities&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;&#x201c;Derivatives &#x2013; Hedge Accounting&#x201d; and &#x201c;Fair value changes of the hedged items in portfolio hedges of interest-rate risk&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group uses hedging derivatives as a tool for managing financial risks, mainly interest rates and exchange rates (see Note 7).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;When these transactions meet certain requirements, they are considered "hedging instruments".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In some hedging relationships, the Group additionally designates inflation risk as a contractually specified component in a debt instrument (for example, inflation-referenced bonds).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Hedge 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x201c;Gains (losses) from hedge accounting, net&#x201d; 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 &#x201c;Interest and other income&#x201d; or &#x201c;Interest expense&#x201d;, as appropriate, in the consolidated income statement (see Note 37).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x201c;Derivatives-Hedge Accounting&#x201d; 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 &#x201c;Gains (losses) from hedge accounting, net&#x201d;, 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;In cash flow hedges, the gain or loss on the hedging instruments relating to the effective portion is recognized temporarily under the heading &#x201c;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges (effective portion)&#x201d; in the consolidated balance sheets, with a corresponding offset under the heading &#x201c;Hedging derivatives&#x201d; 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&#x201d; in the consolidated income statement (see Note 37). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The changes in value of the hedging items corresponding to the ineffective portions of cash flow hedges are recognized directly in the heading &#x201c;Gains (losses) from hedge accounting, net&#x201d; in the consolidated income statement (see Note 41).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x2013; Hedging of net investments in foreign operations (effective portion)" in the consolidated balance sheets with a corresponding offset under the heading &#x201c;Hedging derivatives&#x201d; 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Loss allowances on financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The &#x201c;expected losses&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt"&gt;Stage&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; 1 &#x2013; Without significant increase in credit risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt"&gt;Stage&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; 2 &#x2013; Significant increases in credit risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt"&gt;Stage&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; 3 &#x2013; Impaired&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;Stage&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; 2, as the expected credit loss during the entire life of the asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group has applied the following definitions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Credit-impaired asset&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;An asset is credit-impaired (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;stage&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; 3) if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The definition of impaired asset under IFRS 9 is currently aligned with that of default used by the Group both for internal credit risk management and for regulatory purposes, in accordance with the definitions established in the European Banking Authority (hereinafter "EBA") Guidelines and in Article 178 of Regulation (EU) No 575/2013 (CRR). This alignment facilitates the integration of both definitions in credit risk management, giving coherence and consistency in the processes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Impaired assets for objective reasons or delinquency: when there are unpaid amounts of principal or interest for more than 90 days.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, the Group has not used terms exceeding 90 days past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:14.6pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt; Significant financial difficulties of the issuer or the borrower.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Breach of contractual clauses, such as events of default or default.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Increasing probability that the borrower will go into bankruptcy or some other situation of financial reorganization.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Disappearance of an active market for the financial asset due to financial difficulties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Others that may affect the committed cash flows such as the loss of the debtor's license or that it has committed fraud.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Sales of credit exposures of a client with a significant economic loss will imply that the rest of its operations are considered impaired.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Irregular repayment schedule.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt"&gt;Amounts of principal or interest written off from the balance sheet as its recovery is considered remote.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Significant increase in credit risk &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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, 2024, the Group has not considered periods higher than 30 days.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 to contracts with a current annualized probability of default (PD) of less than 0.3%. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Method for calculating Expected Credit Loss (ECL)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Method for calculating expected loss&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The measurement of expected losses must reflect:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;a considered and unbiased amount, determined by evaluating a range of possible results;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the time value of money; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Expected losses are measured both individually and collectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Type of instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Rating or scoring tools.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Credit risk scoring or rating.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Type of collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Amount of time at default for stage 3.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Segment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Qualitative criteria which can have a significant increase in risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Collateral value if it has an impact on the probability of a default event.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The estimated losses are derived from the following parameters:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;PD: estimate of the probability of default in each period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Use of present, past and future information&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 geographical areas in which the Group operates are the Gross Domestic Product (hereinafter "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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Derecognition of the balance due to impairment on financial assets (write-offs)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForFinancialInstrumentsPolicyTextBlock>
    <bbva:DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock contextRef="c-1" id="f-1763">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;&#x201c;Derivatives &#x2013; Hedge Accounting&#x201d; and &#x201c;Fair value changes of the hedged items in portfolio hedges of interest-rate risk&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group uses hedging derivatives as a tool for managing financial risks, mainly interest rates and exchange rates (see Note 7).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;When these transactions meet certain requirements, they are considered "hedging instruments".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In some hedging relationships, the Group additionally designates inflation risk as a contractually specified component in a debt instrument (for example, inflation-referenced bonds).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Hedge 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x201c;Gains (losses) from hedge accounting, net&#x201d; 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 &#x201c;Interest and other income&#x201d; or &#x201c;Interest expense&#x201d;, as appropriate, in the consolidated income statement (see Note 37).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x201c;Derivatives-Hedge Accounting&#x201d; 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 &#x201c;Gains (losses) from hedge accounting, net&#x201d;, 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;In cash flow hedges, the gain or loss on the hedging instruments relating to the effective portion is recognized temporarily under the heading &#x201c;Accumulated other comprehensive income (loss) - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges (effective portion)&#x201d; in the consolidated balance sheets, with a corresponding offset under the heading &#x201c;Hedging derivatives&#x201d; 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&#x201d; in the consolidated income statement (see Note 37). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The changes in value of the hedging items corresponding to the ineffective portions of cash flow hedges are recognized directly in the heading &#x201c;Gains (losses) from hedge accounting, net&#x201d; in the consolidated income statement (see Note 41).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x2013; Hedging of net investments in foreign operations (effective portion)" in the consolidated balance sheets with a corresponding offset under the heading &#x201c;Hedging derivatives&#x201d; 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).&lt;/span&gt;&lt;/div&gt;</bbva:DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock>
    <bbva:LossAllowancesOnFinancialAssetsPolicyTextBlock contextRef="c-1" id="f-1764">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Loss allowances on financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The &#x201c;expected losses&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt"&gt;Stage&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; 1 &#x2013; Without significant increase in credit risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt"&gt;Stage&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; 2 &#x2013; Significant increases in credit risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%;padding-left:13.56pt"&gt;Stage&lt;/span&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; 3 &#x2013; Impaired&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;Stage&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; 2, as the expected credit loss during the entire life of the asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group has applied the following definitions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Credit-impaired asset&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;An asset is credit-impaired (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;stage&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; 3) if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The definition of impaired asset under IFRS 9 is currently aligned with that of default used by the Group both for internal credit risk management and for regulatory purposes, in accordance with the definitions established in the European Banking Authority (hereinafter "EBA") Guidelines and in Article 178 of Regulation (EU) No 575/2013 (CRR). This alignment facilitates the integration of both definitions in credit risk management, giving coherence and consistency in the processes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Impaired assets for objective reasons or delinquency: when there are unpaid amounts of principal or interest for more than 90 days.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, the Group has not used terms exceeding 90 days past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:42.51pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:14.6pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt; Significant financial difficulties of the issuer or the borrower.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Breach of contractual clauses, such as events of default or default.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Increasing probability that the borrower will go into bankruptcy or some other situation of financial reorganization.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Disappearance of an active market for the financial asset due to financial difficulties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Others that may affect the committed cash flows such as the loss of the debtor's license or that it has committed fraud.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:92.12pt;text-align:justify;text-indent:-21.26pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:16.82pt"&gt;Sales of credit exposures of a client with a significant economic loss will imply that the rest of its operations are considered impaired.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Irregular repayment schedule.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:78.51pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.96pt"&gt;Amounts of principal or interest written off from the balance sheet as its recovery is considered remote.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Significant increase in credit risk &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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, 2024, the Group has not considered periods higher than 30 days.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 to contracts with a current annualized probability of default (PD) of less than 0.3%. 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.&lt;/span&gt;&lt;/div&gt;</bbva:LossAllowancesOnFinancialAssetsPolicyTextBlock>
    <bbva:AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock contextRef="c-1" id="f-1765">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Transfers and derecognition of financial assets and liabilities &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Treatment of securitizations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Principles of consolidation&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock>
    <bbva:AccountingPolicyForFinancialGuaranteesTextBlock contextRef="c-1" id="f-1766">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Financial guarantees&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x2013; whether original or subsequently modified &#x2013; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The provisions recognized for financial guarantees are recognized under the heading &#x201c;Provisions - Provisions for contingent risks and commitments&#x201d; 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 &#x201c;Provisions or reversal of provision&#x201d; in the consolidated income statements (see Note 46).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Income from financial guarantees is recorded under the heading &#x201c;Fee and commission income&#x201d; 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Synthetic securitizations made by the Group to date meet the requirements of the accounting regulations for accounting as guarantees.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForFinancialGuaranteesTextBlock>
    <bbva:AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock contextRef="c-1" id="f-1767">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Tangible Assets&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tangible assets are classified according to their nature:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt"&gt;Property, plant and equipment for own use&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This heading includes the assets under ownership or acquired under lease terms (right to use), intended for future or current use by the Group and that it expects to hold for more than one year. It also includes tangible assets received by the Group in full or partial settlement of receivables from third parties which are expected to be held for continuing use.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:43.08pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%;padding-left:12.44pt"&gt;Investment properties&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Includes the value of land, buildings and other structures that are held either for rental or for capital gain on sale, and which are not expected to be used in the ordinary course of business and are not intended for own use. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:43.08pt;text-align:justify;text-indent:-9pt"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%;padding-left:4.56pt"&gt;Assets leased out under an operating lease&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Includes assets for which the Group has granted the right of use to another company through an operating lease contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, and as an accounting policy option, tangible assets are recorded in the balance sheets under the cost model, i.e., at acquisition cost, less the related accumulated depreciation and, if applicable, the estimated impairment losses resulting from comparing the net book value of each item with its corresponding recoverable value (see Note 17).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group uses the straight-line method to calculate depreciation over the estimated useful life of the asset. The depreciation charge for tangible assets is recorded under "Depreciation and amortization" in the income statement (see Note 45) and is the result of using the following depreciation rates:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.049%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;General depreciation rates for tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Type of assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Annual Percentage&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Buildings for own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1% - 4%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Furniture&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8% - 10%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6% - 12%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Office supplies and hardware&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8% - 25%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Lease use rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The lesser of the lease term or the useful life of the underlying asset&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;At each reporting date, the Group analyzes whether there are indicators that a tangible asset may be impaired and, if any, adjusts the carrying amount to its recoverable amount, modifying future depreciation charges in accordance with its revised remaining useful life. Similarly, if there is indication that the value of a tangible asset that was previously impaired has been recovered, the Group estimates the recoverable amount of the asset and recognizes in the income statement the reversal of the impairment loss recognized in previous years and thus, adjusts the future depreciation charges. Any impairment or reversal of impairment will be recognized with the offsetting entry recorded to the heading &#x201c;Impairment or reversal of impairment of non-financial assets - Intangible assets&#x201d; of the consolidated income statement (see Note 49).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the BBVA Group, most of the buildings held for own use are assigned to the different Cash Generating Units (hereinafter, "CGUs") to which they belong. The corresponding impairment analyses are performed for these CGUs to determine whether sufficient cash flows are generated to support the value of the assets comprised therein.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Operating and maintenance expenses relating to tangible assets for own use are recognized in the year in which they are incurred under "Administrative expenses - Property, plant and equipment" in the income statement (see Note 44.2).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is adjusted, at each balance sheet date, to show variations in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock>
    <bbva:DepreciationRatesForTangibleAssetsTableTextBlock contextRef="c-1" id="f-1768">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, and as an accounting policy option, tangible assets are recorded in the balance sheets under the cost model, i.e., at acquisition cost, less the related accumulated depreciation and, if applicable, the estimated impairment losses resulting from comparing the net book value of each item with its corresponding recoverable value (see Note 17).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group uses the straight-line method to calculate depreciation over the estimated useful life of the asset. The depreciation charge for tangible assets is recorded under "Depreciation and amortization" in the income statement (see Note 45) and is the result of using the following depreciation rates:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.049%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;General depreciation rates for tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Type of assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Annual Percentage&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Buildings for own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1% - 4%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Furniture&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8% - 10%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6% - 12%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Office supplies and hardware&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8% - 25%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Lease use rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The lesser of the lease term or the useful life of the underlying asset&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DepreciationRatesForTangibleAssetsTableTextBlock>
    <ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment contextRef="c-200" id="f-1769">1% - 4%</ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment>
    <ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment contextRef="c-201" id="f-1770">8% - 10%</ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment>
    <ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment contextRef="c-202" id="f-1771">6% - 12%</ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment>
    <ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment contextRef="c-203" id="f-1772">8% - 25%</ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment>
    <ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment contextRef="c-204" id="f-1773">The lesser of the lease term or the useful life of the underlying asset</ifrs-full:EffectiveDatesOfRevaluationPropertyPlantAndEquipment>
    <bbva:AccountingPolicyForLeasesPolicyTextBlock contextRef="c-1" id="f-1774">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Leases&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, the Group will record assets and liabilities for lease contracts by recording a right of use (right to use the leased asset) under ''Tangible assets - Property, plant and equipment'' and ''Tangible assets - Investment property'' (see Note 17), and a lease liability (its obligation to make lease payments) under ''Financial liabilities at amortized cost - Other financial liabilities'' (see Note 22.5). The BBVA Group applies two exceptions in the case of short-term leases and leases whose underlying asset is of low value. In these cases, lease payments are recognized under "Other operating expense" (see Note 42) in the consolidated income statement over the term of the lease.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;At the initial date of the lease, the lease liability is equal to the present value of all lease unpaid payments. Subsequently, it is valued at amortized cost.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The right to use assets is initially recorded at cost and is subsequently reduced by accumulated amortization and accumulated impairment. The Group has decided to calculate depreciation using the straight-line method. Depreciation of tangible assets is recorded under "Depreciation and amortization" in the consolidated statement of income (see Note 45).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The interest expense on the lease liability is recorded under the heading &#x201c;Interest expense&#x201d; (see Note 37.2). Variable payments not included in the initial measurement of the lease liability are recorded under the heading &#x201c;Administration costs &#x2013; Other administrative expense&#x201d; (see Note 44.2).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Operating lease and sublease incomes are recognized in the consolidated income statements under the headings &#x201c;Other operating income&#x201d; (see Note 42).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On the other hand, when the Group acts as a lessor, it classifies leases as finance or operating leases. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In finance leases, the sum of the present values of the amounts received plus the guaranteed residual value is recorded as financing provided to third parties and is included under "Financial assets at amortized cost" in the consolidated balance sheet (see Note 14).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In operating leases, the acquisition cost of the leased assets is presented under "Tangible assets - Property, plant and equipment - Assigned under operating leases" in the consolidated balance sheet (see Note 17). These assets are depreciated in accordance with the policies adopted for similar tangible assets for own use and the income and expenses arising from the lease contracts are recognized in the consolidated income statement on a straight-line basis under "Other operating income" and "Other operating expense", respectively (see Note 42).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForLeasesPolicyTextBlock>
    <bbva:AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock contextRef="c-1" id="f-1775">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This heading 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 (&#x201c;discontinued operation&#x201d;) 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, it includes assets that were expected to be disposed of within one year, but for which disposal there is a delay caused by events and circumstances beyond the Group's control, and there is sufficient evidence that the Group remains committed to its plan for sale (see Note 21), in particular, regarding real estate assets or other assets received to cancel, in whole or in part, the payment obligations of debtors for credit operations. These assets are not amortized as long as they remain in this category.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With respect to valuation, in general, foreclosed real estate assets or assets received in payment of debts are recognized both at the date of acquisition and subsequently, at the lower of their fair value less estimated costs to sell and their carrying amount, with the possibility of recognizing an impairment or reversal of impairment for the difference, if applicable. When the amount of the sale less estimated costs to sell exceeds the carrying amount, the gain is not recognized until the time of disposal and derecognition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The applicable carrying value of the financial asset is updated at the time of foreclosure, treating the foreclosed property as collateral and taking into account the corresponding credit risk hedges at the time prior to delivery. The fair value of foreclosed assets is based mainly on appraisals or valuations performed by independent experts with a maximum age of one year, or less if there are indications of impairment; in addition, by appraisal, the need to apply a discount on the asset based on its specific conditions or market conditions for such type of assets is evaluated and, in any case, the entity&#x2019;s estimated sale costs are deducted.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Gains/losses on disposal of these assets and impairment losses are recognized under "Gains (losses) on non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations" in the consolidated income statement (see Note 50). Other income and expenses are classified in the income statement items according to their nature.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The income and expenses of discontinued operations generated in the year, even if they were generated prior to their classification as discontinued operations, are presented, net of the tax effect, as a single amount under "Profit (loss) after tax from discontinued operations" in the consolidated income statement. This caption also includes the results obtained on disposal (net of the tax effect).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of assets is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock>
    <bbva:AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock contextRef="c-1" id="f-1776">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Intangible assets&lt;/span&gt;&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Goodwill&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Goodwill represents the advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Goodwill is allocated to one or more cash-generating units (CGUs) that are expected to be the beneficiaries of the synergies derived from the business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows for the Group. Goodwill is not amortized and is periodically tested for impairment (see Note 18), comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, with its recoverable amount.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Impairment losses on goodwill are recorded under "Impairment or reversal of impairment of non-financial assets - Intangible assets" (see Note 49). &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Other intangible assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These assets may have an indefinite useful life if 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Intangible assets with indefinite useful lives are not amortized but are tested for impairment at least annually.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. Finite useful life intangible assets consist mainly of IT applications acquisition costs which have a useful life, in general, of 5 years. Internally developed software is recognized as an intangible asset when, among other requirements, it has the capacity to be used or sold, it is identifiable and its capacity to generate economic benefits in the future can be demonstrated. The amortization charge of these assets is recognized in the consolidated income statements under the heading "Depreciation and amortization" (see Note 45).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Any impairment losses on the carrying amount of these assets will be recognized under the heading &#x201c;Impairment or reversal of impairment on non-financial assets- Intangible assets&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock>
    <bbva:AccountingPolicyForGoodwillPolicyTextBlock contextRef="c-1" id="f-1778">&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Goodwill&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Goodwill represents the advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Goodwill is allocated to one or more cash-generating units (CGUs) that are expected to be the beneficiaries of the synergies derived from the business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows for the Group. Goodwill is not amortized and is periodically tested for impairment (see Note 18), comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, with its recoverable amount.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment loss.&lt;/span&gt;&lt;/div&gt;Impairment losses on goodwill are recorded under "Impairment or reversal of impairment of non-financial assets - Intangible assets" (see Note 49).</bbva:AccountingPolicyForGoodwillPolicyTextBlock>
    <bbva:AccountingPolicyForBusinessCombinationsPolicyTextBlock contextRef="c-1" id="f-1777">&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Goodwill&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Goodwill represents the advance payment made by the entity for future economic benefits, from assets that have not been individually identified nor separately recognized in a business combination.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Goodwill is allocated to one or more cash-generating units (CGUs) that are expected to be the beneficiaries of the synergies derived from the business combinations. CGUs represent the smallest identifiable groups of assets that generate cash flows for the Group. Goodwill is not amortized and is periodically tested for impairment (see Note 18), comparing the carrying amount of the relevant CGU - adjusted by the amount of goodwill attributable to minority interests, in the event that the Group has not chosen to measure minority interests at fair value, with its recoverable amount.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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. If the carrying amount of the CGU exceeds the related recoverable amount, the Group recognizes an impairment loss.&lt;/span&gt;&lt;/div&gt;Impairment losses on goodwill are recorded under "Impairment or reversal of impairment of non-financial assets - Intangible assets" (see Note 49).</bbva:AccountingPolicyForBusinessCombinationsPolicyTextBlock>
    <bbva:AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock contextRef="c-1" id="f-1779">&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Other intangible assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These assets may have an indefinite useful life if 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Intangible assets with indefinite useful lives are not amortized but are tested for impairment at least annually.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. Finite useful life intangible assets consist mainly of IT applications acquisition costs which have a useful life, in general, of 5 years. Internally developed software is recognized as an intangible asset when, among other requirements, it has the capacity to be used or sold, it is identifiable and its capacity to generate economic benefits in the future can be demonstrated. The amortization charge of these assets is recognized in the consolidated income statements under the heading "Depreciation and amortization" (see Note 45).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Any impairment losses on the carrying amount of these assets will be recognized under the heading &#x201c;Impairment or reversal of impairment on non-financial assets- Intangible assets&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for those geographical areas with subsidiaries where the Group applies IAS 29 "Financial Reporting in Hyperinflationary Economies", this type of asset is being adjusted to show changes in the purchasing power of the currency due to inflation from the date of acquisition or inclusion in the consolidated balance sheet (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForIntangibleAssetsOtherThanGoodwillPolicyTextBlock>
    <bbva:AccountingPolicyForInsuranceContractsPolicyTextBlock contextRef="c-1" id="f-1780">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Insurance and reinsurance contracts&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;IFRS 17 superseded IFRS 4 as the accounting standard applicable to the recognition, measurement and presentation of contracts that transfer significant insurance risk. The initial application date of IFRS 17 by the BBVA Group was January 1, 2023 and it has been applied to the year ended December 31, 2023, with a transition date of January 1, 2022. In order to make the information as of and for the year ended December 31, 2022 comparable with the information as of and for the years ended December 31, 2024 and 2023, the balance sheet as of December 31, 2022 and the income statement for the year ended December 31, 2022 were restated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The assets and liabilities of the BBVA Group&#x2019;s insurance subsidiaries are recognized according to their nature under the corresponding headings of the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Insurance and reinsurance assets&#x201d; 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 value of reinsurance covers in respect of the insurance liabilities recognized by the consolidated subsidiaries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Liabilities under insurance and reinsurance contracts&#x201d; in the consolidated balance sheets includes the liabilities recognized due to insurance contracts recorded by the consolidated subsidiaries in accordance with IFRS 17 (see Note 23).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The income or expense reported by the BBVA Group&#x2019;s consolidated insurance subsidiaries on their insurance activities is recognized, in accordance with their nature, in the corresponding items of the consolidated income statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Definition, grouping and classification&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group evaluates whether a significant insurance risk from a third party is being accepted in its contracts, when agreeing to compensate the policyholder if a specified uncertain future event adversely affects the policyholder. Thus, it identifies those insurance contracts that fall within IFRS 17. This evaluation was already carried out by the Group under IFRS 4 for the classification of its contracts between insurance contracts and financial liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group groups insurance contracts considering the following aspects:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Whether they are subject to similar risks and are managed jointly, separating as well direct insurance and reinsurance contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Their profitability or onerousness (in general, the Group classifies contracts by their profitability into two groups: onerous contracts, and non-onerous contracts or contracts without a significant possibility of becoming onerous&lt;/span&gt;&lt;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"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Their year of issuance or cohort, grouping by this last criterion the contracts issued in the calendar year, i.e., between January 1 and December 31 of each year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Since the Group chose the fair value transition approach, for long-term contracts (mainly life-risk and life-saving insurance) issued prior to the transition date of January 1, 2022, it has not been necessary to aggregate the contracts by previous cohorts. For contracts issued after the transition date, the Group classifies them by year of issuance, and therefore, the Group has not accepted the exception provided for in the adoption of the standard by the European Union on annual cohorts in products with matched cash flows&lt;/span&gt;&lt;span style="background-color:#ffffff;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"&gt;2&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group has applied the analysis on the separation of non-insurance components only to insurance contracts falling under the scope of IFRS 17, with the entities identifying within their portfolios the existence of non-insurance components, and concluding based on expert judgment whether or not they need to separate them. In the case of non-separable investment components, they are included in the asset or liability, as appropriate, but are excluded from insurance income or expenses in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The initial recognition date has been established as the earliest of: the beginning of the coverage period of the group of contracts, the date when the first payment from an insurance policyholder in the group became due, or in the case of a group of onerous contracts, when the group becomes onerous. From that date, the insurance and reinsurance contracts have been reflected in the consolidated financial statements and valued in accordance with the provisions of IFRS 17.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group derecognizes insurance contracts when the contract expires, that is, upon expiration of the contract or upon settlement of all the benefits of the contract or upon its cancellation; or when a modification is made to the terms of the contract that gives rise to derecognition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Valuation methods&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group carries out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, applying the General Model (Building Block Approach) by default to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Fee Approach&lt;/span&gt;&lt;span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The General Model requires that insurance contracts be initially valued for the total of:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;fulfillment cash flows, which comprise the estimation of future cash flows discounted to reflect the time value of money, the financial risk associated, 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;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;and the contractual service margin (CSM), which represents the expected unearned profit from insurance contracts, which will be recognized in the entity&#x2019;s income statement as the service is provided in the future, instead of being recognized at the time of the estimation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Subsequently, the amount recognized in the consolidated balance sheet for each group of insurance contracts measured under this model comprises the liability for remaining coverage, which includes the aforementioned fulfillment cash flows and the contractual service margin, and the liability for incurred claims, which includes the cash flows from related to claims that have occurred, but have not been paid, 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 by the uncertainty associated with the amount and timing of the expected cash flows. The Group uses the General Model for the valuation of liabilities under insurance and reinsurance contracts that correspond to long-term commitments, a portfolio that represents the majority of what is recorded in the balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group used the Simplified Model in the valuation of the liability for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year but which are not expected to have a valuation significantly different from that of the General Model. Under this Simplified Model, the liability for remaining coverage is made up of the premiums received (collected), less the cash flows for the acquisition of the insurance paid, plus or minus the premiums or expected acquisition cash flows recorded in the income statement, respectively. The income statement recording is carried out on a linear basis throughout the coverage period of the contract, in the event that the accrual of income is also accrued. By default, the Group has chosen to defer acquisition expenses, although there is an option to recognize such expenses when they are incurred. In turn, the groups of contracts valued under this model have a liability for incurred claims calculated in a manner similar to that of the General Model. The Group has valued direct insurance contracts whose coverage period is less than one year, using the Simplified Model, the same method used for the valuation of assets for the reinsurance ceded. This model has also been used by the Group when the valuation under this Simplified Model does not differ significantly from that which would be produced by applying the General Model. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amount of the contracts valued following the Variable Fee Approach is residual in the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group has defined and identified for each group of contracts the hedging units to be used for the release to profit or loss of the contractual service margin, in accordance with IFRS 17, and subsequent interpretations issued by the Transition Resource Group for IFRS 17 and the IFRIC. The adjustments made to the contractual service margin in the subsequent measurement are those established in paragraph 44 of IFRS 17.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Furthermore, the Group has chosen the accounting policy option of not changing the treatment of accounting estimates made in previous interim closings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Discount rate&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The methodology used to obtain the discount rate differs according to the entity and portfolio to which it is applied, highlighting mainly the cases of the companies in Spain and Mexico, where the Group has greater presence (see Note 23). In the first case, the top-down approach has been mainly applied and it has been verified that the Internal Rate of Return (hereinafter &#x201c;IRR&#x201d;) of the entity&#x2019;s asset portfolio converges with the IRR of a reference portfolio from which the European Insurance and Occupational Pensions Authority (hereinafter &#x201c;EIOPA&#x201d;) fundamental spread is discounted for. In the second case, the top-down approach has been used for immunized portfolios (see Glossary), eliminating the spread 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 rate. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Risk adjustment for non-financial risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The risk adjustment for non-financial risk represents the compensation required for bearing uncertainty about the amount and timing of the associated cash flows. To estimate the non-financial risk adjustment, the Group has used its own methodologies based on calculations of the Value at Risk (VaR) of the commitments associated with the Life and Non-Life businesses, using in the case of Spain a confidence level of 80% and in the case of Mexico 70%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Onerosity&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;An insurance contract is onerous at the date of initial recognition if the fulfilment cash flows allocated to the contract, any previously recognized insurance acquisition cash flows and any cash flows arising from the contract at the date of initial recognition in total are a net outflow.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group has classified the contracts valued under the General Model into onerous groups, considering the fulfillment cash flows, acquisition expenses and any other attributable cash flow. The evaluation is carried out, in general terms, contract by contract, except in those cases where it is possible to group into sets of homogeneous contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Contracts valued under the Simplified Model, by default, are assumed to be non-onerous at their initial recognition, unless there are facts and circumstances that indicate otherwise, where the Group relies on information from existing internal reports (ratios and indicators) for monitoring business performance, adjusted to the criteria of IFRS 17, as well as market evolution expectations based on expert judgment. The granularity to carry out this evaluation may be the same as that used to monitor the business through the abovementioned internal reports.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the same way as the contractual service margin represents the estimated future benefit of the insurance contract, the loss component is the estimated loss of the onerous contract. The accounting record of these two concepts has a different temporality:&lt;/span&gt;&lt;span style="color:#000000;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;while the margin is deferred throughout the duration of the contract according to the contractual limits, the loss component is recognized in the income statement as soon as it is known, which will result in the carrying amount of the group's liability being equal to the fulfilment cash flows and the group's contractual service margin being equal to zero.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Throughout the life of a contract, the assumptions used to project future cash flows may change and, consequently, the expected return on a contract may increase or decrease. This means that a group of contracts initially classified as onerous may become more onerous, or on the contrary, in the subsequent measurement the assumptions used to estimate the cash flows may change so much that the previously recognized loss could be reversed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Reinsurance&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, the Group values reinsurance covers under the Simplified Model, valuing the asset for remaining coverage of contracts with a coverage period of one year or less, or in those contracts with a duration of more than one year, but which are not expected to produce a valuation significantly different from that of the General Model. This method also includes the asset for incurred claims.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Effect on results&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, for the presentation of the financial income or expenses from insurance contracts that arise as a result of the change in the discount rate, both due to the effect of the time value of money as well as the effect of financial risk, the Group has chosen the accounting policy option of disaggregating these financial income or expenses from insurance contracts between recording them in the "Net interest income" and in "Accumulated other comprehensive income (loss)", in order to minimize accounting asymmetries in the valuation and recognition of financial investments under IFRS 9 and insurance contracts under IFRS 17.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 income or expense from insurance contracts. Insurance revenue is recognized over the period the entity provides insurance coverage, excluding any investment component.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The loss component, in the case of onerous contracts, corresponds to the losses attributable to each group of contracts, both at initial recognition and at a later time.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForInsuranceContractsPolicyTextBlock>
    <bbva:AccountingPolicyForIncomeTaxPolicyTextBlock contextRef="c-1" id="f-1781">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:16pt"&gt;Tax assets and liabilities&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Expenses on corporate income tax applicable to the BBVA Group&#x2019;s Spanish entities and on similar income taxes applicable to consolidated foreign entities are recognized as an expense for the period 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForIncomeTaxPolicyTextBlock>
    <bbva:AccountingPolicyForDeferredIncomeTaxPolicyTextBlock contextRef="c-1" id="f-1782">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Deferred tax assets and liabilities include temporary differences, the carryforward of unused tax losses and carryforward of unused tax credits 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x201d; (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&#x201d; (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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 only 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 if it is necessary to make adjustments 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.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForDeferredIncomeTaxPolicyTextBlock>
    <bbva:AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock contextRef="c-1" id="f-1783">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The income and expense directly recognized in consolidated equity that do not increase or decrease taxable income are accounted for as temporary differences.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock>
    <bbva:AccountingPolicyForProvisionsPolicyTextBlock contextRef="c-1" id="f-1784">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Provisions, contingent assets and contingent liabilities&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Provisions&#x201d; in the consolidated balance sheets includes amounts recognized to cover the BBVA Group&#x2019;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 provisions are recognized in the consolidated balance sheets when each and every one of the following requirements is met:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;It is probable that an outflow of resources embodying economic benefits will be required to settle the obligation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The amount of the obligation can be reasonably estimated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Among other items, these provisions include the commitments made to employees by some of the Group entities mentioned in Note 2.2.13, as well as provisions for tax and legal litigation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 (see Note 34).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForProvisionsPolicyTextBlock>
    <bbva:AccountingPolicyForTreasurySharesPolicyTextBlock contextRef="c-1" id="f-1785">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Treasury shares&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The value of common stock issued by the BBVA Group&#x2019;s entities and held by them - basically, shares and derivatives on the Bank&#x2019;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&#x2019; funds - Treasury shares" in the consolidated balance sheets (see Note 29).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Shareholders&#x2019; funds - Retained earnings&#x201d; in the consolidated balance sheets (see Note 28).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Equity - Other Reserves) (see Notes 22.5 and 28).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForTreasurySharesPolicyTextBlock>
    <bbva:AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock contextRef="c-1" id="f-1786">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:11pt"&gt;Equity-settled share-based payment transactions&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Equity&#x2013;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 &#x201c;Shareholders&#x2019; funds &#x2013; Other equity&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForShareBasedPaymentTransactionsPolicyTextBlock>
    <bbva:AccountingPolicyForEmployeeBenefitsPolicyTextBlock contextRef="c-1" id="f-1787">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Pensions and other post-employment commitments &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Short-term employee benefits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Benefits for current active employees which are accrued and settled during the year and for which a provision is not required in the entity&#xb4;s accounts. These include wages and salaries, social security charges and other personnel expense.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Costs are charged and recognized under the heading &#x201c;Administration costs &#x2013; Personnel expense &#x2013; Other personnel expense&#x201d; of the consolidated income statement (see Note 44.1).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Post-employment benefits &#x2013; Defined-contribution plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The contributions made to these plans in each year by BBVA Group entities are charged and recognized under the heading &#x201c;Administration costs &#x2013; Personnel expense&#x2013; Defined-contribution plan expense&#x201d; of the consolidated income statement (see Note 44.1). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Post-employment benefits &#x2013; Defined-benefit plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, some of the Spanish Group 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Furthermore, certain Group entities provide welfare and medical benefits which extend beyond the date of retirement of the employees entitled to the benefits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;All of these commitments are quantified based on actuarial valuations, with the amounts recorded under the heading &#x201c;Provisions &#x2013; Provisions for pensions and similar obligations&#x201d; 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Current service cost is charged and recognized under the heading &#x201c;Administration costs &#x2013; Personnel expense &#x2013; Defined-benefit plan expense&#x201d; of the consolidated income statement (see Note 44.1).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Interest credits/charges relating to these commitments are charged and recognized in net terms under the headings &#x201c;Interest and other income&#x201d; or, where appropriated, &#x201c;Interest expense&#x201d; of the consolidated income statement (see Note 37).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Past service costs arising from benefit plan changes as well as early retirements granted during the year are recognized under the heading &#x201c;Provisions or reversals of provisions&#x201d; of the consolidated income statement (see Note 46).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Other long-term employee benefits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These commitments are quantified based on actuarial valuations and the amounts recorded under the heading &#x201c;Provisions &#x2013; Other long-term employee benefits&#x201d; of the consolidated balance sheet (see Note 24).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Valuation of commitments: actuarial assumptions and recognition of gains/losses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The present value of these commitments is determined based on individual member data. Active employee costs are determined using the &#x201c;projected unit credit&#x201d; method, which treats each period of service as giving rise to an additional unit of benefit and values each unit separately.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In establishing the actuarial assumptions, we take into account that: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; They should be unbiased, i.e. neither unduly optimistic nor excessively conservative.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; 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, 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; The interest rate used to discount benefit commitments is determined by reference to market yields, at the balance sheet date, on high quality bonds.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group recognizes actuarial gains (losses) relating to early retirement benefits, long service awards and other similar items under the heading &#x201c;Provisions or reversal of provisions&#x201d; 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) &#x2013; Items that will not be reclassified to profit or loss &#x2013; Actuarial gains (losses) on defined benefit pension plans" of equity in the consolidated balance sheet (see Note 30).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForEmployeeBenefitsPolicyTextBlock>
    <bbva:AccountingPolicyForTerminationBenefitsPolicyTextBlock contextRef="c-1" id="f-1788">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Termination benefits&lt;/span&gt;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.</bbva:AccountingPolicyForTerminationBenefitsPolicyTextBlock>
    <bbva:AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock contextRef="c-1" id="f-1789">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Recognition of income and expense&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The most significant policies used by the BBVA Group to recognize its income and expense are as follows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Interest income and expense and similar items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a general rule, interest income and expense and similar items are recognized on the basis of their 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;They shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#x2019; portfolio which generates the income or expense:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;The interest income past-due before the initial recognition and pending to be received will be added to the gross carrying amount of the debt instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;The interest income accrued after the initial recognition will be added to the gross carrying amount of the debt instrument until it will be received.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the event that a debt instrument is considered impaired, interest income will be calculated by applying the effective interest rate to the amortized cost (that is, adjusting for any impairment loss) of the financial asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Income from dividends received:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Dividends shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#x2019; portfolio which generates this income:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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 be added to 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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 at the time the right to receive them arises, which is the time of the official announcement of receipt of the payment by the appropriate governing body of the entity. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Income from commissions collected/paid:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Financial fees are an integral part of the actual performance of a financing transaction and are collected in advance. They can be:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Fees charged for the origination or acquisition of financing transactions that are not measured at fair value through profit or loss, such as those charged for the evaluation of the borrower's financial condition, for the analysis and recording of various collateral, as well as those charged for negotiating the terms of transactions or preparing and processing documentation and the closing of transactions, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. These fees, forming part of the effective rate of the loans, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Fees agreed as compensation for the commitment to grant financing when it is not measured at fair value through profit or loss and it is probable that the Group will enter into a specific loan agreement, are deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. If the commitment expires before the entity makes the loan such fee is recognized as revenue at the time of expiration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Non-financial commissions derived from the provision of financial services other than financing transactions may be:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Related to the performance of a service rendered over time (e.g. account administration fees or fees collected in advance for the issuance or renewal of credit cards), in which case they are recognized over time based on the degree of progress in providing the service.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Related to the performance of a service rendered at a specific time (e.g. underwriting of securities, currency exchange, advice or syndication of a loan), in which they are recognized in the income statement at the time of collection.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Non-financial income and expense:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a general rule, they are recognized on an accrual basis, that is, as the contractually committed goods or services are delivered or rendered and recognized as revenue over the life of the contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the event that consideration is received or there is a right to receive consideration without delivery of the contractually committed goods or services, a liability is recognized in the balance sheet until it is recognized in the income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the case of collections and payments deferred over time, they are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Commissions, fees and similar items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Those relating to financial assets and liabilities measured at fair value through profit or loss, which are recognized immediately in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;Those relating to a singular transaction, which are recognized when this singular transaction is carried out.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Deferred collections and payments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock>
    <bbva:AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock contextRef="c-1" id="f-1790">&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Interest income and expense and similar items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a general rule, interest income and expense and similar items are recognized on the basis of their 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;They shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#x2019; portfolio which generates the income or expense:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;The interest income past-due before the initial recognition and pending to be received will be added to the gross carrying amount of the debt instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;The interest income accrued after the initial recognition will be added to the gross carrying amount of the debt instrument until it will be received.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the event that a debt instrument is considered impaired, interest income will be calculated by applying the effective interest rate to the amortized cost (that is, adjusting for any impairment loss) of the financial asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Income from dividends received:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Dividends shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments&#x2019; portfolio which generates this income:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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 be added to 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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 at the time the right to receive them arises, which is the time of the official announcement of receipt of the payment by the appropriate governing body of the entity. 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.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock>
    <bbva:AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock contextRef="c-1" id="f-1791">&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Income from commissions collected/paid:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Financial fees are an integral part of the actual performance of a financing transaction and are collected in advance. They can be:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Fees charged for the origination or acquisition of financing transactions that are not measured at fair value through profit or loss, such as those charged for the evaluation of the borrower's financial condition, for the analysis and recording of various collateral, as well as those charged for negotiating the terms of transactions or preparing and processing documentation and the closing of transactions, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. These fees, forming part of the effective rate of the loans, will be deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Fees agreed as compensation for the commitment to grant financing when it is not measured at fair value through profit or loss and it is probable that the Group will enter into a specific loan agreement, are deferred and recognized over the life of the transaction as an adjustment to the performance of the transaction. If the commitment expires before the entity makes the loan such fee is recognized as revenue at the time of expiration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Non-financial commissions derived from the provision of financial services other than financing transactions may be:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Related to the performance of a service rendered over time (e.g. account administration fees or fees collected in advance for the issuance or renewal of credit cards), in which case they are recognized over time based on the degree of progress in providing the service.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:85.03pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:7.52pt"&gt;Related to the performance of a service rendered at a specific time (e.g. underwriting of securities, currency exchange, advice or syndication of a loan), in which they are recognized in the income statement at the time of collection.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Commissions, fees and similar items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Those relating to financial assets and liabilities measured at fair value through profit or loss, which are recognized immediately in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;Those relating to a singular transaction, which are recognized when this singular transaction is carried out.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Deferred collections and payments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock>
    <bbva:AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock contextRef="c-1" id="f-1792">&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Non-financial income and expense:&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a general rule, they are recognized on an accrual basis, that is, as the contractually committed goods or services are delivered or rendered and recognized as revenue over the life of the contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the event that consideration is received or there is a right to receive consideration without delivery of the contractually committed goods or services, a liability is recognized in the balance sheet until it is recognized in the income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the case of collections and payments deferred over time, they are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock>
    <bbva:AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock contextRef="c-1" id="f-1793">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Sales of assets and income from the provision of non-financial services&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Other operating income&#x201d; 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).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock>
    <bbva:AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock contextRef="c-1" id="f-1794">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Foreign-currency transactions and exchange differences&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;foreign currency&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Conversion to euros of the balances held in foreign currency is performed in two consecutive stages:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;conversion of the foreign currency to the entity&#x2019;s functional currency (currency of the main economic environment in which the entity operates); and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;conversion to euros of the balances held in the functional currencies of the entities whose functional currency is not the euro.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Conversion of the foreign currency to the entity&#x2019;s functional currency&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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,&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Non-monetary items valued at their historical cost are converted to the functional currency at the exchange rate applicable on the purchase date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Monetary items are converted to the functional currency at the closing exchange rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Income and expense are converted at the period&#x2019;s average exchange rates for all the operations carried out during the year, except in those geographical areas where IAS 29 &#x201c;Financial Reporting in Hyperinflationary Economies&#x201d; applies (see Note 2.2.18). 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;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&#x201d; in the consolidated balance sheets (see Note 30).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Conversion of functional currencies to euros&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The balances in the financial statements of consolidated entities whose functional currency is not the euro are converted to euros as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Assets and liabilities: at the closing spot exchange rates as of the date of each of the consolidated balance sheets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Equity items: at the historical exchange rates. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that may be reclassified to profit or loss - Foreign currency translation&#x201d; in the consolidated balance sheets (see 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 &#x201c;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" (see Note 30), until the item to which they relate is derecognized, at which time they are recognized in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 2.2.18). 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 &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that may be reclassified to profit or loss - Foreign currency translation&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the main consolidated balances in foreign currencies, with reference to the most significant foreign currencies, is set forth in Appendix VII.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Venezuela&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, 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 2.2.18).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock>
    <bbva:AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock contextRef="c-1" id="f-1795">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Conversion of the foreign currency to the entity&#x2019;s functional currency&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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,&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Non-monetary items valued at their historical cost are converted to the functional currency at the exchange rate applicable on the purchase date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Monetary items are converted to the functional currency at the closing exchange rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Income and expense are converted at the period&#x2019;s average exchange rates for all the operations carried out during the year, except in those geographical areas where IAS 29 &#x201c;Financial Reporting in Hyperinflationary Economies&#x201d; applies (see Note 2.2.18). 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;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&#x201d; in the consolidated balance sheets (see Note 30).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Conversion of functional currencies to euros&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The balances in the financial statements of consolidated entities whose functional currency is not the euro are converted to euros as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Assets and liabilities: at the closing spot exchange rates as of the date of each of the consolidated balance sheets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Equity items: at the historical exchange rates. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that may be reclassified to profit or loss - Foreign currency translation&#x201d; in the consolidated balance sheets (see 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 &#x201c;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" (see Note 30), until the item to which they relate is derecognized, at which time they are recognized in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 2.2.18). 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 &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that may be reclassified to profit or loss - Foreign currency translation&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the main consolidated balances in foreign currencies, with reference to the most significant foreign currencies, is set forth in Appendix VII.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Venezuela&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, 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 2.2.18).&lt;/span&gt;&lt;/div&gt;</bbva:AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock>
    <bbva:AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock contextRef="c-1" id="f-1796">&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt;Entities and branches located in countries with hyperinflationary economies&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In accordance with the criteria established in IAS 29 "Financial Reporting in Hyperinflationary Economies&#x201d;, 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Since 2022, 2018 and 2009, the economies of Turkey, Argentina and Venezuela, respectively, have been considered hyperinflationary under the above criteria. As a result, the financial statements of the BBVA Group&#x2019;s entities located in such geographical areas have been adjusted to correct for the effects of inflation. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a consequence of the application of IAS 29 "Financial Reporting in Hyperinflationary Economies", the Group applies the following criteria in the financial statements of the Group companies that operate in these three geographical areas:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The historical cost of non-monetary assets and liabilities (see Notes 17, 18 and 21), 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 with "Accumulated other comprehensive income (loss)" as counterparty.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Consequently, 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)".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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)".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 "Effects of Changes in Foreign Exchange Rates".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Turkey&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The combined result derived from the application of the above criteria amounts to a loss of &#x20ac;1,742 million in 2024, of which &#x20ac;1,498 million is attributable to owners of the parent (&#x20ac;2,242 and &#x20ac;1,793 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#x20ac;1,512 million and is recorded in the line &#x201c;Other operating expense&#x201d; in the consolidated income statement (&#x20ac;2,118 and &#x20ac;2,323 million in 2023 and 2022, respectively), and it was partially offset by the positive impact of the revaluation of certain bonds linked to inflation, for a gross amount of &#x20ac;1,164 million (&#x20ac;1,202 and &#x20ac;1,490 million in 2023 and 2022, respectively), given that, under IAS 29 "Financial Reporting in Hyperinflationary Economies", these types of bonds are considered protective assets (see Note 42).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, during 2024 the impact on equity of Group entities located in Turkey derived from the application of IAS 29 and the conversion to the euro (IAS 21) amounted to &#x20ac;1,253 million (&#x20ac;-355 million in 2023), of which &#x20ac;1,072 million (&#x20ac;-306 million in 2023) have been recorded within &#x201c;Equity &#x2013; Accumulated other comprehensive income (loss)&#x201d;, and &#x20ac;181 million (&#x20ac;-49 million in 2023) have been recorded within &#x201c;Minority interests &#x2013; Accumulated other comprehensive income (loss)&#x201d;, respectively (see Notes 30 and 31). In 2022 the impact on equity of Group entities located in Turkey derived from the retrospective application of IAS 29 "Financial Reporting in Hyperinflationary Economies" since January 1, 2022, in the Turkish subsidiaries was an increase in equity of &#x20ac;130 million, mainly the result of the revaluation of tangible assets and inflation-linked bonds. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;According to the Turkish Statistical Institute (Turkstat), accumulated inflation in 2024 stood at 44.4% (64.8% and 64.3% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 36.74 Turkish lira per euro (32.65 and 19.96 in 2023 and 2022, respectively). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Argentina&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The combined result derived from the application of the above criteria amounted to a loss of &#x20ac;1,208 million, of which &#x20ac;810 million is attributable to owners of the parent in 2024 (&#x20ac;1,574 and &#x20ac;694 million loss attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#x20ac;1,419 million and is recorded in the line &#x201c;Other operating expense&#x201d; in the consolidated income statement in 2024 (&#x20ac;1,062 million and &#x20ac;822 million in 2023 and 2022, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Furthermore, during 2024, 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 &#x20ac;1,115 million (&#x20ac;-634 million and &#x20ac;242 million in 2023 and 2022, respectively) of which &#x20ac;745 million (&#x20ac;-428 million and &#x20ac;157 million in 2023 and 2022, respectively) have been recorded within &#x201c;Equity &#x2013; Accumulated other comprehensive income (loss)&#x201d;, and &#x20ac;370 million (&#x20ac;-206 million and &#x20ac;84 million in 2023 and 2022, respectively) have been recorded within &#x201c;Minority interests &#x2013; Accumulated other comprehensive income (loss)&#x201d; (see Notes 30 and 31).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Accumulated inflation estimated by the National Census Institute of Argentina (Indec) and BBVA Research for the year 2024 was 118% (215% and 97% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 1,072.66 Argentine pesos per euro (892.81 and 188.51 in 2023 and 2022, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Venezuela&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The combined result derived from the application of the above criteria amounted to a loss of &#x20ac;36 million, of which &#x20ac;20 million is attributable to owners of the parent in 2024 (&#x20ac;10 million and &#x20ac;6 million attributable to owners of the parent in 2023 and 2022, respectively). This impact includes mainly the loss of the net monetary position, which amounts to a gross amount of &#x20ac;42 million and is recorded in the line &#x201c;Other operating expense&#x201d; in the consolidated income statement in 2024 (&#x20ac;28 million in each of 2023 and 2022).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;During 2024, 2023 and 2022 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.&lt;/span&gt;&lt;/div&gt;Accumulated inflation for the year 2024, as estimated by BBVA Research, was 69% (111% and 292% in 2023 and 2022, respectively) and the exchange rate used as of December 31, 2024 was 68.83 Venezuelan bolivars per euro (43.23 and 19.79 in 2023 and 2022, respectively).</bbva:AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock>
    <bbva:DisclosureOfBBVAGroupTextBlock contextRef="c-1" id="f-1797">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt"&gt;BBVA Group&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following information is detailed in the appendices of these consolidated financial statements of the Group for the year ended December 31, 2024:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Appendix I shows relevant information related to the consolidated subsidiaries and structured entities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Appendix II shows relevant information related to investments in joint ventures and associates accounted for using the equity method. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Appendix III shows the main changes and notification of investments and divestments in the BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Appendix IV shows fully consolidated subsidiaries with more than 10% owned by non-Group shareholders.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following table sets forth information related to the Group&#x2019;s total assets as of December 31, 2024, 2023 and 2022, broken down by the Group&#x2019;s entities according to their activity: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contribution to Consolidated Group total assets. Entities by main activities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Banking and other financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;733,860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;737,971&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;678,809&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance and pension fund managing companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,439&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30,066&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other non-financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,068&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,217&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;772,402&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;775,558&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;712,092&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The total assets and results of operations broken down by operating segments are included in Note 6.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group&#x2019;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Spain. The Group&#x2019;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&#x2019;s financial sector, insurance sector and asset management sector.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Turkey. The Group&#x2019;s activity in Turkey is mainly carried out through the Garanti BBVA Group in the financial, insurance and asset management sectors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;South America. The BBVA Group&#x2019;s activities in South America are mainly focused on the banking, financial and insurance sectors, in the following countries: Argentina, Colombia, Peru, Uruguay, Chile, Venezuela and Brazil, the latter focused on the CIB (Corporate &amp;amp; Investment Banking) business. 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. See Note 2.1 and Appendix I.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 through branches, mainly the BBVA Bank's branches in Germany, Belgium, France, Italy, Portugal, the United Kingdom, and the Garanti BBVA Bank's branch in Malta. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 and the broker-dealer business BBVA Securities Inc. Additionally, in 2024, a representative office of Banco Bilbao Vizcaya Argentaria, S.A. was opened in Houston. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%"&gt;Significant transactions in the Group in &lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During the year 2024 no significant or relevant corporate operations have been completed, without prejudice to the announcement of the voluntary tender offer for the acquisition of all of the issued shares of Banco de Sabadell, S.A.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%"&gt;Other relevant additional information 2024&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Announcement of the voluntary tender offer for the acquisition of all of the issued shares of Banco de Sabadell, S.A.&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On April 30, 2024, due to a media report, BBVA published an inside information notice (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;informaci&#xf3;n privilegiada&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;) stating that it had informed the chairman of the Board of Directors of Banco de Sabadell, S.A. (the "Target Company") of the interest of BBVA&#x2019;s Board of Directors in initiating negotiations to explore a possible merger between the two entities. On the same date, BBVA sent to the chairman of the Target Company the written proposal for the merger of the two entities. The content of the written proposal sent to the Board of Directors of the Target Company was published on May 1, 2024 by BBVA through the publication of an inside information notice (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;informaci&#xf3;n privilegiada&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;) with the Spanish Securities and Exchange Commission (hereinafter &#x201c;CNMV&#x201d;).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On May 6, 2024, the Target Company published an inside information notice (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;informaci&#xf3;n privilegiada&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;) informing of the rejection of the proposal by its Board of Directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Following such rejection, on May 9, 2024, BBVA announced, through the publication of an inside information notice (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;informaci&#xf3;n privilegiada&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;) (the "Prior Announcement"), the decision to launch a voluntary tender offer (the "Exchange Offer") for the acquisition of all of the issued shares of the Target Company, being a total of 5,440,221,447 ordinary shares with a par value of &#x20ac;0.125 each (representing 100% of the Target Company&#x2019;s share capital). The consideration initially offered by BBVA to the shareholders of the Target Company consisted of one (1) newly issued share of BBVA for each four and eighty-three hundredths (4.83) ordinary shares of the Target Company, subject to certain adjustments in the case of dividend distributions in accordance with what was indicated in the Prior Announcement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In accordance with the Prior Announcement of the Exchange Offer and as a consequence of the interim dividend against the 2024 financial year results in the amount of &#x20ac;0.08 per share paid by the Target Company to its shareholders on October 1, 2024, BBVA proceeded to adjust the Exchange Offer consideration. Therefore, after applying the adjustment in the terms set forth in the Prior Announcement, the consideration offered by BBVA to the shareholders of the Target Company under the Exchange Offer was adjusted, as result of the dividend payment of the Target Company, to one (1) newly issued ordinary share of BBVA for each five point zero one nine six (5.0196) ordinary shares of the Target Company. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, as a result of the interim dividend against the 2024 financial year results in the amount of &#x20ac;0.29 per share paid by BBVA to its shareholders on October 10, 2024, BBVA proceeded to adjust again the Exchange Offer consideration. Therefore, also in accordance with the provisions of the Prior Announcement, the Exchange Offer consideration was adjusted to one (1) newly issued ordinary share of BBVA and &#x20ac;0.29 in cash for every five point zero one nine six (5.0196) ordinary shares of the Target Company.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Pursuant to the provisions of Royal Decree 1066/2007, of July 27, on the rules governing tender offers ("Royal Decree 1066/2007"), the Exchange Offer is subject to mandatory clearance by the CNMV (&#x201c;CNMV Clearance&#x201d;). Additionally, pursuant to the provisions of Law 10/2014 and Royal Decree 84/2015, the acquisition by BBVA of control of the Target Company resulting from the Exchange Offer is subject to the duty of prior notification to the Bank of Spain and the obtention of the non-opposition of the European Central Bank (a condition that was satisfied on September 5, 2024, as described below).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, completion of the Exchange Offer is also subject to the satisfaction of the conditions specified in the Prior Announcement, in particular (i) the acceptance of the Exchange Offer by a number of shares that allows BBVA to acquire at least more than half of the effective voting rights of the Target Company at the end of the Exchange Offer acceptance period (therefore excluding the treasury shares that the Target Company may hold at that time), as this condition was amended by BBVA in accordance with the publication of the inside information notice (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;informaci&#xf3;n privilegiada&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;) dated January 9, 2025, (ii) approval by BBVA&#x2019;s General Shareholders&#x2019; Meeting of the increase of BBVA&#x2019;s share capital through the issue of new ordinary shares through non-cash contributions in an amount that is sufficient to cover the consideration in shares offered to the shareholders of the Target Company (which condition was satisfied on July 5, 2024, as described below), (iii) the express or tacit authorization of the economic concentration resulting from the Exchange Offer by the Spanish antitrust authorities, and (iv) the express or tacit authorization of the indirect acquisition of control of the Target Company&#x2019;s banking subsidiary in the United Kingdom, TSB Bank PLC, by the United Kingdom Prudential Regulation Authority (&#x201c;PRA&#x201d;) (a condition that was satisfied on September 2, 2024, as described below).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On July 5, 2024, the BBVA&#x2019;s Extraordinary General Shareholders' Meeting resolved to authorize, with 96% votes in favor, an increase in the share capital of BBVA of up to a maximum nominal amount of &#x20ac;551,906,524.05 through the issuing and putting into circulation of up to 1,126,339,845 ordinary shares of &#x20ac;0.49 par value each to cover the consideration in shares offered to the shareholders of the Target Company (see Note 26).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On September 3, 2024, BBVA announced, through the publication of an inside information notice (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;informaci&#xf3;n privilegiad&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a), that, on September 2, 2024, it received the authorization from the PRA for BBVA's indirect acquisition of control of TSB Bank PLC as a result of the Exchange Offer.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On September 5, 2024, BBVA announced that it received the decision of non-opposition from the European Central Bank to BBVA's taking control of the Target Company, as a result of the Exchange Offer.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On November 12, 2024, the Spanish antitrust authorities announced their decision that further review of the economic concentration resulting from the Exchange Offer would be required, extending antitrust review into a second phase.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The detailed terms of the Exchange Offer will be set out in the Spanish prospectus (which was submitted together with the Exchange Offer request to the CNMV for their authorization on May 24, 2024 and will be published after obtaining CNMV Clearance) and the relevant U.S. offer to exchange/prospectus.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%"&gt;Significant transactions in the Group in&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt; 2023&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During the year 2023 no significant corporate transactions were carried out.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%"&gt;Significant transactions in the Group in&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt; 2022&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Investments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Announcement of the agreement with Neon Payments Limited&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x20ac;263 million, using the applicable 1.14 EUR/USD exchange rate as of February 11, 2022).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 29.2% of the share capital of the Company (30.9% and 30.1% as of December 31, 2024 and 2023, respectively). Despite owning more than 20% of the share capital, BBVA's ability to influence the Company&#xb4;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Voluntary takeover bid for the entire share capital of T&#xfc;rkiye Garanti Bankas&#x131; A.&#x15e; (Garanti BBVA)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;On November 15, 2021, BBVA announced a voluntary takeover bid (hereinafter "VTB") addressed to the 2,106,300,000 shares&lt;/span&gt;&lt;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"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt; not controlled by BBVA, which represented 50.15% of the total share capital of T&#xfc;rkiye Garanti Bankas&#x131; A.&#x15e; (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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On May 18, 2022, BBVA announced the finalization of the offer acceptance period, with the acquisition of 36.12% of Garanti BBVA&#x2019;s share capital. The total amount paid by BBVA was approximately 22,758 million Turkish lira (equivalent to approximately &#x20ac;1,390 million&lt;/span&gt;&lt;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"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; including the expenses associated with the transaction and net of the collection of the dividends corresponding to the stake acquired).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The transaction resulted in a capital gain of approximately &#x20ac;924 million (including the impacts after the application of IAS 29 "Financial Reporting in Hyperinflationary Economies", see Note 2.2.18). An amount of &#x20ac;3,609 million was recorded under the heading &#x201c;Other reserves&#x201d; and there was a reclassification to &#x201c;Accumulated other comprehensive income (loss)&#x201d; corresponding to the 36.12% acquired from minority interests to &#x201c;Accumulated other comprehensive income (loss)&#x201d; of the parent company for an amount of &#x20ac;-2,685 million. The total derecognition associated with the transaction of the heading &#x201c;Minority interests&#x201d; considering &#x201c;Other items&#x201d; and &#x201c;Accumulated other comprehensive income (loss)&#x201d; amounted to &#x20ac;-2,541 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The share in Garanti BBVA owned by BBVA as of December 31, 2024 is 85.97%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 2.2.18 to these Consolidated Financial Statements.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfBBVAGroupTextBlock>
    <bbva:ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock contextRef="c-205" id="f-1798">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following table sets forth information related to the Group&#x2019;s total assets as of December 31, 2024, 2023 and 2022, broken down by the Group&#x2019;s entities according to their activity: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contribution to Consolidated Group total assets. Entities by main activities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Banking and other financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;733,860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;737,971&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;678,809&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance and pension fund managing companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,439&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30,066&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other non-financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,068&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,217&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;772,402&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;775,558&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;712,092&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock>
    <ifrs-full:Assets contextRef="c-206" decimals="-6" id="f-1799" unitRef="eur">733860000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-207" decimals="-6" id="f-1800" unitRef="eur">737971000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-208" decimals="-6" id="f-1801" unitRef="eur">678809000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-209" decimals="-6" id="f-1802" unitRef="eur">34439000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-210" decimals="-6" id="f-1803" unitRef="eur">34520000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-211" decimals="-6" id="f-1804" unitRef="eur">30066000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-212" decimals="-6" id="f-1805" unitRef="eur">4103000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-213" decimals="-6" id="f-1806" unitRef="eur">3068000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-214" decimals="-6" id="f-1807" unitRef="eur">3217000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-13" decimals="-6" id="f-1808" unitRef="eur">772402000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-20" decimals="-6" id="f-1809" unitRef="eur">775558000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-21" decimals="-6" id="f-1810" unitRef="eur">712092000000</ifrs-full:Assets>
    <bbva:DisclosureOfShareholderRemunerationSystemTextBlock contextRef="c-1" id="f-1811">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"&gt;Shareholder remuneration system&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Amendment of Shareholder Remuneration Policy&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA's Board of Directors announced by means of Relevant Information, on November 18, 2021, the amendment of the Group's shareholder remuneration policy (announced on February 1, 2017 by means of Relevant Information), 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%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 corresponding authorizations and approvals applicable at any given time.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Shareholder remuneration during financial year 2022&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Cash distributions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During the 2022 financial year, the Annual General Shareholders' Meeting and the Board of Directors approved the payment of the following cash amounts:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The Annual General Shareholders' 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 &#x20ac;0.23 gross (&#x20ac;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 &#x20ac;1,463 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x20ac;0.12 gross (&#x20ac;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 &#x20ac;722 million and is recognized under the heading &#x201c;Total Equity &#x2013; Interim Dividends&#x201d; of the consolidated balance sheet as of December 31, 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:112%"&gt;Shareholder remuneration during financial year 2023&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Cash distributions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During the 2023 financial year, the Annual General Shareholders' Meeting and the Board of Directors approved the payment of the following cash amounts: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The Annual General Shareholders&#xb4; Meeting of BBVA held on March 17, 2023, approved, under item 1.3 of the Agenda, a cash distribution against the 2022 results as a final dividend for the 2022 fiscal year, for an amount equal to &#x20ac;0.31 gross (&#x20ac;0.2511 net of withholding tax) per outstanding BBVA share entitled to participate in this distribution, which was paid on April 5, 2023. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#x20ac;1,857 million. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The Board of Directors, at its meeting held on September 27, 2023, resolved the payment of a cash interim dividend of &#x20ac;0.16 gross (&#x20ac;0.1296 net of withholding tax) per outstanding share on account of the 2023 dividend, to be paid on October 11, 2023. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#x20ac;951 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Shareholder remuneration during financial year 2024&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Cash distributions &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During the 2024 financial year, the Annual General Shareholders' Meeting and the Board of Directors approved the payment of the following cash amounts:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The Annual General Shareholders' Meeting of BBVA held on March 15, 2024, approved, under item 1.3 of the Agenda, a cash distribution against the 2023 results as a final dividend for the 2023 fiscal year, for an amount equal to &#x20ac;0.39 gross (&#x20ac;0.3159 net of withholding tax) per outstanding BBVA share entitled to participate in this distribution, which was paid on April 10, 2024. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#x20ac;2,245 million. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;By means of an inside information notice (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;informaci&#xf3;n privilegiada&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;) dated September 26, 2024, BBVA announced that the Board of Directors, had resolved the payment of a cash interim dividend of &#x20ac;0.29 gross (&#x20ac;0.2349 net of withholding tax) per each outstanding BBVA share entitled to participate in this distribution, to be paid on October 10, 2024. The total amount paid, excluding dividends paid in respect of treasury shares held by the Group's companies, amounted to &#x20ac;1,668 million. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, was the following: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:81.589%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.211%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Available amount for interim dividend payments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;August 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Profit of BBVA, S.A., after the provision for income tax&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,854&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt dotted #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maximum amount distributable&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,854&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount of proposed interim dividend&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,671&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;BBVA cash balance available to the date&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,530&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Other shareholder remuneration&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On January 30, 2025, it was announced that a cash distribution in the amount of &#x20ac;0.41 gross per share to be paid presumably in April 2025 as the final dividend for the year 2024, and the execution of a share buyback program of BBVA for an amount of &#x20ac;993 million were planned to be proposed to the corresponding corporate bodies for consideration as ordinary remuneration to shareholders for 2024, subject to obtaining the corresponding regulatory authorizations and approval by the Board of Directors of the specific terms and conditions of the program, which will be communicated to the market prior to the start of its execution. Finally, on February 14, 2025 BBVA announced by means of an Inside Information filing with the CNMV, that the Board of Directors of BBVA has resolved to propose to the Annual General Shareholders&#x2019; Meeting to be held on March 21, 2025 a cash distribution of &#x20ac;0.41 gross per share as a final dividend for 2024 to be paid on April 10, 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Share buyback program&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"&gt;&lt;span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%"&gt;Share buyback programs in 2021 and 2022&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On October 26, 2021, BBVA obtained the pertinent authorization from the European Central Bank (hereinafter "ECB") to buy back up to 10% of its share capital for a maximum of &#x20ac;3,500 million, in one or several tranches and over the course of a 12-month period (the &#x201c;Authorization&#x201d;).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Upon receiving the Authorization and making use of the delegation conferred by the BBVA Annual General Shareholders' 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 in compliance with Regulation (EU) no. 596/2014 of the European Parliament and the Council of April 16, 2014 on market abuse and Commission Delegated Regulation (EU) no. 2016/1052 of the Commission, of March 8, 2016 (the &#x201c;Regulations&#x201d;), executed in various tranches up to a maximum of &#x20ac;3,500 million, with the aim of reducing BBVA's share capital (the &#x201c;Program Scheme&#x201d;), 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x20ac;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 &#x20ac;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&#x2019; Meeting of BBVA held on March 18, 2022, through the reduction of BBVA&#x2019;s share capital in a nominal amount of &#x20ac;137,797,167.90 and the consequent redemption, charged to unrestricted reserves, of 281,218,710 own shares of &#x20ac;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, 28 and 29).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Second Tranche&#x201d;) aimed at reducing BBVA&#x2019;s share capital, for a maximum amount of &#x20ac;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&#x2019;s share capital at that date) the number of own shares finally acquired in execution of the First Tranche (unfinished as of that date). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x20ac;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").&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x20ac;1,000 million, having acquired 206,554,498 shares representing, approximately, 3.1% of BBVA's share capital as of said date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x20ac;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 &#x20ac;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&#x2019; Meeting of BBVA held on March 18, 2022, through the reduction of BBVA&#x2019;s share capital in a nominal amount of &#x20ac;174,710,139.94 and the consequent redemption, charged to unrestricted reserves, of 356,551,306 own shares of &#x20ac;0.49 par value each acquired derivatively by the Bank in execution of the First Segment and Second Segment of the share buyback program and which were held in treasury shares (see Notes 26, 27, 28 and 29).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Program Scheme was considered as an extraordinary shareholder distribution and was therefore not included in the scope of the shareholder remuneration policy described above.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:15pt;text-align:justify"&gt;&lt;span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%"&gt;Share buyback programs in 2023&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On February 1, 2023, BBVA announced, among others, that it planned to submit for the consideration of the corresponding BBVA governing bodies the execution of a &#x20ac;422 million share buyback 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. On March 17, 2023, after receiving the required authorization from the ECB, BBVA announced through an Inside Information notice the execution of a time-scheduled buyback program for the repurchase of own shares in accordance with the Regulations, aimed at reducing BBVA&#x2019;s share capital by a maximum monetary amount of &#x20ac;422 million. The execution was carried out internally by BBVA, executing the trades through BBVA. By means of an Other Relevant Information notice dated April 21, 2023, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount of &#x20ac;422 million, having acquired 64,643,559 own shares, between March 20 and April 20, 2023, representing, approximately, 1.07% of BBVA's share capital as of said date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On June 2, 2023, BBVA notified through an Other Relevant Information notice a partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#x2019; Meeting of BBVA held on March 17, 2023, under item 3 of the agenda through the reduction of BBVA&#x2019;s share capital in a nominal amount of &#x20ac;31,675,343.91 and the consequent redemption, charged to unrestricted reserves, of 64,643,559 own shares of &#x20ac;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program and which were held in treasury shares (see Notes 26, 27, 28 and 29).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On July 28, 2023, BBVA announced, by means of an Inside Information notice, its request to the ECB for the correspondent supervisory authorization in order to carry out a share buyback program of up to &#x20ac;1,000 million, subject to the authorization requested being granted, to the adoption of the corresponding corporate resolutions and to the communication of the specific terms and conditions of the share buyback program before its execution. This share buy-back program was considered as an extraordinary shareholder distribution. On October 2, 2023, after receiving the required authorization from the ECB, BBVA announced that it would implement a buyback program for the repurchase of own shares in accordance with the Regulations, aimed at reducing BBVA&#x2019;s share capital by a maximum monetary amount of &#x20ac;1,000 million. The execution was carried out internally by BBVA, executing the trades through BBVA.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;By means of an Other Relevant Information notice dated November 29, 2023, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount of &#x20ac;1,000 million, having acquired 127,532,625 own shares, between October 2 and November 29, 2023, representing, approximately, 2.14% of BBVA's share capital as of said later date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On December 19, 2023, BBVA notified through an Other Relevant Information notice the second partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#x2019; Meeting of BBVA held on March 17, 2023, under item 3 of the agenda through the reduction of BBVA&#x2019;s share capital in a nominal amount of &#x20ac;62,490,986.25 and the consequent redemption, charged to unrestricted reserves, of 127,532,625 own shares of &#x20ac;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program and which were held in treasury shares (see Notes 26, 27, 28 and 29).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#40aeff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%"&gt;Share buyback program in 2024&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On March 1, 2024, after receiving the required authorization from the ECB, BBVA announced by means of an Inside Information notice the execution of a time-scheduled buyback program for the repurchase of own shares, all in accordance with the Regulations, for a maximum monetary amount of &#x20ac;781 million. The execution was carried out externally by Citigroup Global Markets Europe AG.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;By means of an Other Relevant Information notice dated April 9, 2024, BBVA announced the completion of the share buyback program upon reaching the maximum monetary amount, having acquired a total of 74,654,915 own shares, between March 4 and April 9, 2024, representing, approximately, 1.28% of BBVA's share capital as of such date. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;On May 24, 2024, BBVA notified through an Other Relevant Information notice the partial execution of the share capital reduction resolution adopted by the Annual General Shareholders&#x2019; Meeting of BBVA held on March 15, 2024, under item 3 of the Agenda, through the reduction of BBVA&#x2019;s share capital in a nominal amount of &#x20ac;36,580,908.35 and the consequent redemption, charged to unrestricted reserves, of 74,654,915 own shares of &#x20ac;0.49 par value each acquired derivatively by BBVA in execution of the share buyback program and which were held as treasury shares (see Notes 26, 27, 28 and 29).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Proposal on allocation of earnings of BBVA, S.A.  for 2024 &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Below is included a breakdown of the distribution of the Bank&#xb4;s earnings for financial year 2024, which the Board of Directors will submit to the Annual General Shareholders' Meeting for approval. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:80.410%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Allocation of earnings (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Profit (loss) of BBVA, S.A. for the year&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,235&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Distribution&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interim dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,671&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Final dividend&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,363&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reserves / Accumulated gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,200&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfShareholderRemunerationSystemTextBlock>
    <bbva:AvailableAmountForInterimDividendPaymentsTableTextBlock contextRef="c-1" id="f-1812">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, was the following: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:81.589%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.211%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Available amount for interim dividend payments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;August 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Profit of BBVA, S.A., after the provision for income tax&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,854&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt dotted #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maximum amount distributable&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,854&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt dotted #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount of proposed interim dividend&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,671&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;BBVA cash balance available to the date&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#00497f;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,530&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:AvailableAmountForInterimDividendPaymentsTableTextBlock>
    <bbva:ProfitOfBBVAAfterTheProvisionForIncomeTax contextRef="c-215" decimals="-6" id="f-1813" unitRef="eur">6854000000</bbva:ProfitOfBBVAAfterTheProvisionForIncomeTax>
    <bbva:MaximumAmountDistributable contextRef="c-215" decimals="-6" id="f-1814" unitRef="eur">6854000000</bbva:MaximumAmountDistributable>
    <bbva:AmountOfProposedInterimDividend contextRef="c-215" decimals="-6" id="f-1815" unitRef="eur">1671000000</bbva:AmountOfProposedInterimDividend>
    <bbva:BBVACashBalanceAvailableToTheDate contextRef="c-215" decimals="-6" id="f-1816" unitRef="eur">33530000000</bbva:BBVACashBalanceAvailableToTheDate>
    <bbva:AllocationOfEarningsTableTextBlock contextRef="c-1" id="f-1817">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Below is included a breakdown of the distribution of the Bank&#xb4;s earnings for financial year 2024, which the Board of Directors will submit to the Annual General Shareholders' Meeting for approval. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:80.410%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Allocation of earnings (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Profit (loss) of BBVA, S.A. for the year&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,235&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Distribution&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interim dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,671&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Final dividend&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,363&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reserves / Accumulated gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,200&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:AllocationOfEarningsTableTextBlock>
    <bbva:ProfitOrLossForTheYearAllocationOfEarnings contextRef="c-13" decimals="-6" id="f-1818" unitRef="eur">10235000000</bbva:ProfitOrLossForTheYearAllocationOfEarnings>
    <bbva:InterimDividendsApplicationOfResults contextRef="c-13" decimals="-6" id="f-1819" unitRef="eur">1671000000</bbva:InterimDividendsApplicationOfResults>
    <ifrs-full:DividendPayables contextRef="c-13" decimals="-6" id="f-1820" unitRef="eur">2363000000</ifrs-full:DividendPayables>
    <bbva:ReservesAcumulatedGains contextRef="c-13" decimals="-6" id="f-1821" unitRef="eur">6200000000</bbva:ReservesAcumulatedGains>
    <ifrs-full:DisclosureOfEarningsPerShareExplanatory contextRef="c-1" id="f-1822">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"&gt;Earnings per share&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The calculation of earnings per share is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.080%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Basic and Diluted Earnings per Share&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Numerator for basic and diluted earnings per share (millions of euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Profit attributable to parent company&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,054&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,019&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,358&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Adjustment: Additional Tier 1 securities &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(388)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(345)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(313)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Profit adjusted (millions of euros) (A)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,675&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,045&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Profit (loss) from continued operations (net of remuneration of Additional Tier 1 capital instruments)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,675&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,045&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Profit (loss) from discontinued operations (net of non-controlling interests) (B)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Denominator for basic earnings per share (number of shares outstanding)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Weighted average number of shares outstanding &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,793&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,988&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,424&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Average treasury shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Share buyback program &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(225)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Adjusted number of shares - Basic earnings per share (C)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,189&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Adjusted number of shares - diluted earnings per share (D)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,189&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Earnings (losses) per share &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1.68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1.29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;0.98&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Basic earnings (losses) per share from continuing operations (Euros per share) A-B/C&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.29&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.98&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Diluted earnings (losses) per share from continuing operations (Euros per share) A-B/D&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.98&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Basic earnings (losses) per share from discontinued operations (Euros per share) B/C&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Diluted earnings (losses) per share from discontinued operations (Euros per share) B/D&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Remuneration in the year related to perpetual contingent convertible securities, recognized in equity (see Note 22.4).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) For the calculation of earnings per share, the average number of shares in a year takes into account the redemptions made in such year related to the share buyback programs announced (see Note 4). &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;As of December 31, 2024, 2023 and 2022, 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.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfEarningsPerShareExplanatory>
    <bbva:BasicAndDilutedEarningsPerShareTableTextBlock contextRef="c-1" id="f-1823">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The calculation of earnings per share is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.080%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Basic and Diluted Earnings per Share&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Numerator for basic and diluted earnings per share (millions of euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Profit attributable to parent company&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,054&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,019&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,358&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Adjustment: Additional Tier 1 securities &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(388)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(345)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(313)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Profit adjusted (millions of euros) (A)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,675&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,045&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Profit (loss) from continued operations (net of remuneration of Additional Tier 1 capital instruments)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,675&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,045&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Profit (loss) from discontinued operations (net of non-controlling interests) (B)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Denominator for basic earnings per share (number of shares outstanding)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Weighted average number of shares outstanding &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,793&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,988&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,424&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Average treasury shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Share buyback program &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(225)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Adjusted number of shares - Basic earnings per share (C)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,189&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Adjusted number of shares - diluted earnings per share (D)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,189&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Earnings (losses) per share &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1.68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1.29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;0.98&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Basic earnings (losses) per share from continuing operations (Euros per share) A-B/C&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.29&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.98&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Diluted earnings (losses) per share from continuing operations (Euros per share) A-B/D&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.98&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Basic earnings (losses) per share from discontinued operations (Euros per share) B/C&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Diluted earnings (losses) per share from discontinued operations (Euros per share) B/D&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Remuneration in the year related to perpetual contingent convertible securities, recognized in equity (see Note 22.4).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) For the calculation of earnings per share, the average number of shares in a year takes into account the redemptions made in such year related to the share buyback programs announced (see Note 4). &lt;/span&gt;&lt;/div&gt;(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3)</bbva:BasicAndDilutedEarningsPerShareTableTextBlock>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-1" decimals="-6" id="f-1824" unitRef="eur">10054000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-22" decimals="-6" id="f-1825" unitRef="eur">8019000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-23" decimals="-6" id="f-1826" unitRef="eur">6358000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <bbva:AdjustmentAdditionalTier1Securities contextRef="c-1" decimals="-6" id="f-1827" unitRef="eur">-388000000</bbva:AdjustmentAdditionalTier1Securities>
    <bbva:AdjustmentAdditionalTier1Securities contextRef="c-22" decimals="-6" id="f-1828" unitRef="eur">-345000000</bbva:AdjustmentAdditionalTier1Securities>
    <bbva:AdjustmentAdditionalTier1Securities contextRef="c-23" decimals="-6" id="f-1829" unitRef="eur">-313000000</bbva:AdjustmentAdditionalTier1Securities>
    <bbva:ProfitAdjusted contextRef="c-1" decimals="-6" id="f-1830" unitRef="eur">9666000000</bbva:ProfitAdjusted>
    <bbva:ProfitAdjusted contextRef="c-22" decimals="-6" id="f-1831" unitRef="eur">7675000000</bbva:ProfitAdjusted>
    <bbva:ProfitAdjusted contextRef="c-23" decimals="-6" id="f-1832" unitRef="eur">6045000000</bbva:ProfitAdjusted>
    <bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments contextRef="c-1" decimals="-6" id="f-1833" unitRef="eur">9666000000</bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments>
    <bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments contextRef="c-22" decimals="-6" id="f-1834" unitRef="eur">7675000000</bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments>
    <bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments contextRef="c-23" decimals="-6" id="f-1835" unitRef="eur">6045000000</bbva:OfWhichProfitLossFromContinuedOperationsNetOfRemunerationOfAdditionalTier1CapitalInstruments>
    <bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest contextRef="c-1" decimals="-6" id="f-1836" unitRef="eur">0</bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest>
    <bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest contextRef="c-22" decimals="-6" id="f-1837" unitRef="eur">0</bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest>
    <bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest contextRef="c-23" decimals="-6" id="f-1838" unitRef="eur">0</bbva:OfWhichProfitFromDiscontinuedOperationsNetOfNonControllingInterest>
    <bbva:WeightedAverageNumberOfSharesOutstanding contextRef="c-1" decimals="-6" id="f-1839" unitRef="eur">5793000000</bbva:WeightedAverageNumberOfSharesOutstanding>
    <bbva:WeightedAverageNumberOfSharesOutstanding contextRef="c-22" decimals="-6" id="f-1840" unitRef="eur">5988000000</bbva:WeightedAverageNumberOfSharesOutstanding>
    <bbva:WeightedAverageNumberOfSharesOutstanding contextRef="c-23" decimals="-6" id="f-1841" unitRef="eur">6424000000</bbva:WeightedAverageNumberOfSharesOutstanding>
    <bbva:AverageTreasuryShares contextRef="c-1" decimals="-6" id="f-1842" unitRef="eur">-10000000</bbva:AverageTreasuryShares>
    <bbva:AverageTreasuryShares contextRef="c-22" decimals="-6" id="f-1843" unitRef="eur">-5000000</bbva:AverageTreasuryShares>
    <bbva:AverageTreasuryShares contextRef="c-23" decimals="-6" id="f-1844" unitRef="eur">-9000000</bbva:AverageTreasuryShares>
    <bbva:ShareBuybackProgram contextRef="c-1" decimals="-6" id="f-1845" unitRef="eur">-13000000</bbva:ShareBuybackProgram>
    <bbva:ShareBuybackProgram contextRef="c-22" decimals="-6" id="f-1846" unitRef="eur">-28000000</bbva:ShareBuybackProgram>
    <bbva:ShareBuybackProgram contextRef="c-23" decimals="-6" id="f-1847" unitRef="eur">-225000000</bbva:ShareBuybackProgram>
    <bbva:AdjustedNumberOfSharesBasicEarningsPerShareC contextRef="c-1" decimals="-6" id="f-1848" unitRef="eur">5769000000</bbva:AdjustedNumberOfSharesBasicEarningsPerShareC>
    <bbva:AdjustedNumberOfSharesBasicEarningsPerShareC contextRef="c-22" decimals="-6" id="f-1849" unitRef="eur">5954000000</bbva:AdjustedNumberOfSharesBasicEarningsPerShareC>
    <bbva:AdjustedNumberOfSharesBasicEarningsPerShareC contextRef="c-23" decimals="-6" id="f-1850" unitRef="eur">6189000000</bbva:AdjustedNumberOfSharesBasicEarningsPerShareC>
    <bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD contextRef="c-1" decimals="-6" id="f-1851" unitRef="eur">5769000000</bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD>
    <bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD contextRef="c-22" decimals="-6" id="f-1852" unitRef="eur">5954000000</bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD>
    <bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD contextRef="c-23" decimals="-6" id="f-1853" unitRef="eur">6189000000</bbva:AdjustedNumberOfSharesDilutedEarningsPerShareD>
    <ifrs-full:BasicEarningsLossPerShare
      contextRef="c-1"
      decimals="2"
      id="f-1854"
      unitRef="eurPerShare">1.68</ifrs-full:BasicEarningsLossPerShare>
    <ifrs-full:BasicEarningsLossPerShare
      contextRef="c-22"
      decimals="2"
      id="f-1855"
      unitRef="eurPerShare">1.29</ifrs-full:BasicEarningsLossPerShare>
    <ifrs-full:BasicEarningsLossPerShare
      contextRef="c-23"
      decimals="2"
      id="f-1856"
      unitRef="eurPerShare">0.98</ifrs-full:BasicEarningsLossPerShare>
    <ifrs-full:BasicEarningsLossPerShareFromContinuingOperations
      contextRef="c-1"
      decimals="2"
      id="f-1857"
      unitRef="eurPerShare">1.68</ifrs-full:BasicEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:BasicEarningsLossPerShareFromContinuingOperations
      contextRef="c-22"
      decimals="2"
      id="f-1858"
      unitRef="eurPerShare">1.29</ifrs-full:BasicEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:BasicEarningsLossPerShareFromContinuingOperations
      contextRef="c-23"
      decimals="2"
      id="f-1859"
      unitRef="eurPerShare">0.98</ifrs-full:BasicEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations
      contextRef="c-1"
      decimals="2"
      id="f-1860"
      unitRef="eurPerShare">1.68</ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations
      contextRef="c-22"
      decimals="2"
      id="f-1861"
      unitRef="eurPerShare">1.29</ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations
      contextRef="c-23"
      decimals="2"
      id="f-1862"
      unitRef="eurPerShare">0.98</ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-1"
      decimals="2"
      id="f-1863"
      unitRef="eurPerShare">0</ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-22"
      decimals="2"
      id="f-1864"
      unitRef="eurPerShare">0</ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-23"
      decimals="2"
      id="f-1865"
      unitRef="eurPerShare">0</ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-1"
      decimals="2"
      id="f-1866"
      unitRef="eurPerShare">0</ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-22"
      decimals="2"
      id="f-1867"
      unitRef="eurPerShare">0</ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-23"
      decimals="2"
      id="f-1868"
      unitRef="eurPerShare">0</ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:DisclosureOfOperatingSegmentsExplanatory contextRef="c-205" id="f-1869">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"&gt;Operating segment reporting &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Operating segment reporting represents a basic tool in the oversight and management of the BBVA Group&#x2019;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's Management and, ultimately, into the reportable operating segments themselves. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, the structure of the information by operating segments and the Corporate Center reported by the BBVA Group remains the same as that as of the closing of the 2023 financial year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group's areas or operating segments are summarized below: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Spain includes mainly the banking, insurance and asset management businesses that the Group carries out in Spain.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Mexico includes the banking, insurance and asset management businesses in this country as well as the activity that BBVA Mexico carries out through its agency in Houston. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;South America includes the banking, finance, insurance and asset management businesses carried out mainly in Argentina, Chile, Colombia, Peru, Uruguay and Venezuela.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Rest of Business mainly includes the wholesale activity carried out in Europe (excluding Spain), the United States and (through BBVA branches located therein) Asia.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Corporate Center performs centralized Group functions, including: the costs of the head offices with a corporate function for the consolidated BBVA Group, 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;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the BBVA Group&#x2019;s total assets by operating segments and the Corporate Center as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.309%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total Group assets by operating segments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;417,752&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;457,573&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;427,049&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;168,470&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;173,489&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;142,557&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;82,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,329&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66,036&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73,997&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,779&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;61,951&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Business&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66,534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,274&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,952&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal assets by operating segments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;809,536&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;828,445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;747,545&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Corporate Center and adjustments &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(37,134)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(52,886)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(35,453)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;772,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;775,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;712,092&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the years 2023 and 2022 were &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;revised, which has not affected t&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;he consolidated financial information of the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Restated balances according to IFRS 17 - Insurance contracts, which had no material impacts as of that date (see &#x201c;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Presentation of Financial Information&#x2014;Changes in Accounting Policies&#x2014;IFRS 17 &#x2013; Insurance contracts&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x201d;).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following table sets forth certain summarized information relating to results of each operating segment and Corporate Center for the years ended December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Main margins and profit by operating segments (Millions of euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Operating Segments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Rest of Business&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Corporate Center and adjustments&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,492&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;741&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(546)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gross income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,481&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(421)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Operating profit (loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,741&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,342&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;634&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,142)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Attributable profit (loss)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,054&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,784&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,447&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;635&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(924)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,620&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,054&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,869&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(386)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gross income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29,542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,331&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,029)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Operating profit (loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,329&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;489&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,809)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Attributable profit (loss) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;527&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;601&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,544)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb2;&#x207e; &#x207d;&#xb3;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,378&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(109)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gross income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,743&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,112&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,734&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;790&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(329)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Operating profit (loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,610&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,620&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,309)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Attributable profit (loss) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,358&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,667&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,131&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;738&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;240&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(922)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Adjustments include the impact of the purchase of offices in Spain in 2022 in the transaction with Merlin Properties (see Note 17).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the year 2023 have been revised, which has not affected the consolidated financial information of the Group.  &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Restated according to IFRS 17 - Insurance contracts, which had no material impacts for such period (see &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x201c;Presentation of Financial Information&#x2014;Changes in Accounting Policies&#x2014;IFRS 17 Insurance contracts&lt;/span&gt;&#x201d;).</ifrs-full:DisclosureOfOperatingSegmentsExplanatory>
    <bbva:TotalGroupAssetsByOperatingSegmentsTableTextBlock contextRef="c-1" id="f-1870">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the BBVA Group&#x2019;s total assets by operating segments and the Corporate Center as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.309%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total Group assets by operating segments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;417,752&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;457,573&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;427,049&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;168,470&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;173,489&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;142,557&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;82,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,329&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66,036&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73,997&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,779&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;61,951&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Business&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66,534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,274&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,952&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal assets by operating segments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;809,536&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;828,445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;747,545&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Corporate Center and adjustments &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(37,134)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(52,886)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(35,453)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;772,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;775,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;712,092&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the years 2023 and 2022 were &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;revised, which has not affected t&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;he consolidated financial information of the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Restated balances according to IFRS 17 - Insurance contracts, which had no material impacts as of that date (see &#x201c;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Presentation of Financial Information&#x2014;Changes in Accounting Policies&#x2014;IFRS 17 &#x2013; Insurance contracts&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x201d;).&lt;/span&gt;&lt;/div&gt;</bbva:TotalGroupAssetsByOperatingSegmentsTableTextBlock>
    <ifrs-full:Assets contextRef="c-216" decimals="-6" id="f-1871" unitRef="eur">417752000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-217" decimals="-6" id="f-1872" unitRef="eur">457573000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-218" decimals="-6" id="f-1873" unitRef="eur">427049000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-219" decimals="-6" id="f-1874" unitRef="eur">168470000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-220" decimals="-6" id="f-1875" unitRef="eur">173489000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-221" decimals="-6" id="f-1876" unitRef="eur">142557000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-222" decimals="-6" id="f-1877" unitRef="eur">82782000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-223" decimals="-6" id="f-1878" unitRef="eur">68329000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-224" decimals="-6" id="f-1879" unitRef="eur">66036000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-225" decimals="-6" id="f-1880" unitRef="eur">73997000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-226" decimals="-6" id="f-1881" unitRef="eur">64779000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-227" decimals="-6" id="f-1882" unitRef="eur">61951000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-228" decimals="-6" id="f-1883" unitRef="eur">66534000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-229" decimals="-6" id="f-1884" unitRef="eur">64274000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-230" decimals="-6" id="f-1885" unitRef="eur">49952000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-231" decimals="-6" id="f-1886" unitRef="eur">809536000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-232" decimals="-6" id="f-1887" unitRef="eur">828445000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-233" decimals="-6" id="f-1888" unitRef="eur">747545000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-234" decimals="-6" id="f-1889" unitRef="eur">-37134000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-235" decimals="-6" id="f-1890" unitRef="eur">-52886000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-236" decimals="-6" id="f-1891" unitRef="eur">-35453000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-13" decimals="-6" id="f-1892" unitRef="eur">772402000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-20" decimals="-6" id="f-1893" unitRef="eur">775558000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-21" decimals="-6" id="f-1894" unitRef="eur">712092000000</ifrs-full:Assets>
    <bbva:MainMarginsAndProfitByOperatingSegmentsTableTextBlock contextRef="c-1" id="f-1895">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following table sets forth certain summarized information relating to results of each operating segment and Corporate Center for the years ended December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Main margins and profit by operating segments (Millions of euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Operating Segments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Rest of Business&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Corporate Center and adjustments&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,492&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;741&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#121212;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(546)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gross income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,481&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(421)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Operating profit (loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,741&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,342&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;634&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,142)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Attributable profit (loss)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,054&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,784&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,447&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;635&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(924)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,620&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,054&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,869&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(386)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gross income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29,542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,331&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,029)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Operating profit (loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,329&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;489&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,809)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Attributable profit (loss) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;527&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;601&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,544)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb2;&#x207e; &#x207d;&#xb3;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,378&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(109)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gross income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,743&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,112&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,734&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;790&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(329)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Operating profit (loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,610&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,620&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,309)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Attributable profit (loss) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,358&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,667&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,131&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;738&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;240&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(922)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Adjustments include the impact of the purchase of offices in Spain in 2022 in the transaction with Merlin Properties (see Note 17).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) In the first quarter of 2024 the Group changed its allocation criteria for certain expenses, mainly related with global international projects between the Corporate Center and the corresponding operating segments. Therefore, in order to make those year-on-year comparisons homogeneous, the figures for the year 2023 have been revised, which has not affected the consolidated financial information of the Group.  &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Restated according to IFRS 17 - Insurance contracts, which had no material impacts for such period (see &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x201c;Presentation of Financial Information&#x2014;Changes in Accounting Policies&#x2014;IFRS 17 Insurance contracts&lt;/span&gt;&#x201d;).</bbva:MainMarginsAndProfitByOperatingSegmentsTableTextBlock>
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    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-248" decimals="-6" id="f-1951" unitRef="eur">-1544000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
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    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-249" decimals="-6" id="f-1974" unitRef="eur">1667000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-250" decimals="-6" id="f-1975" unitRef="eur">4131000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-251" decimals="-6" id="f-1976" unitRef="eur">505000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-252" decimals="-6" id="f-1977" unitRef="eur">738000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-253" decimals="-6" id="f-1978" unitRef="eur">240000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-254" decimals="-6" id="f-1979" unitRef="eur">-922000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <bbva:DisclosureOfRiskManagementTextBlock contextRef="c-1" id="f-1980">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"&gt;Risk management&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"&gt;Risk factors &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, measures are taken to seek to keep the variables within the target risk profile. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In this context, there are a number of emerging risks that could affect the evolution of the Group&#x2019;s business, including the below: &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt"&gt;Macroeconomic and geopolitical risks&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group is sensitive to the deterioration of economic conditions, the alteration of the institutional environment of the countries in which it operates, and the Group is exposed to sovereign debt especially in Spain, Mexico and Turkey.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The global economy is currently facing a number of extraordinary challenges. The war between Ukraine and Russia and the armed conflicts in the Middle East have caused significant disruptions, instability and volatility in global markets, particularly in energy markets. Uncertainty about the future development of these conflicts is high. The main risk is that they could generate new supply shocks, pushing growth downward and inflation upward, and paving the way for macroeconomic and financial instability episodes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Geopolitical and economic risks have also increased in recent years as a result of trade tensions between the United States and China, Brexit, and the rise of populism, among other factors. Growing tensions and the rise of populism may lead, among other things, to a deglobalization of the world economy, an increase in protectionism, a general reduction of international trade and a reduction in the integration of financial markets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The policies to be adopted by the new United States government, from January 20, 2025, are an additional source of uncertainty for the global economy. Some of the measures recently advocated by the incoming administration, such as the adoption of higher import tariffs and tighter immigration controls, may increase inflationary pressures and weaken economic growth. Fiscal, regulatory, industrial, foreign and other policies could also generate financial and macroeconomic volatility.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the current context, one of the main risks is that inflation remains high, either due to new supply shocks, related for example to the previously mentioned geopolitical and political risks or climate events, or due to demand factors, caused by an excessively expansionary fiscal policy, the robustness of labor markets, or other factors. Significant inflationary pressures could lead to interest rates remaining higher than currently forecasted, which could negatively affect the macroeconomic environment and financial markets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Another macroeconomic risk is the possibility of a sharp global growth slowdown. In a context marked by uncertainty and still elevated interest rates, labor markets and aggregate demand could weaken more significantly than expected. Moreover, despite increasing economic stimulus measures, growth in China could slow sharply, with a potentially negative impact on many geographical areas, due to tensions in real estate markets and economic sanctions imposed by the United States, among other factors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Furthermore, there is a growing risk of tensions in sovereign debt markets, given the high levels of public debt in many developed and emerging countries, the relatively high interest rates, and expectations of slower economic growth.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group is exposed, among others, to the following general risks with respect to the economic and institutional environment in the countries 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 shocks such as, for example, an increase in oil and gas prices to very high levels, which would 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 exchange rates; an unfavorable evolution of the real estate market; changes in the institutional environment of the countries in which the Group operates, which 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; 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 such debt; the impact of the upcoming policies of the new U.S. administration, about which there is significant uncertainty; and episodes of volatility in the financial markets, which could cause significant losses for the Group. The Group&#x2019;s results of operations have been particularly affected by the increases in interest rates adopted by central banks in an attempt to tame inflation, contributing to the rise in both interest revenue and interest expenses. The persistence of interest rates at relatively high levels or any increase in interest rates in the future could adversely affect the Group by reducing the demand for credit and leading to an increase in the default rate of its borrowers and other counterparties. Moreover, the Group&#x2019;s results of operations have been affected by inflation in all countries in which BBVA operates, especially Turkey and Argentina.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In particular, in Spain, political, regulatory and economic uncertainty has also increased since the July 2023 general elections; there is a risk that policies could have an adverse impact on the economy or the Group. There is also a risk that the impact on financial conditions of political tensions in other European countries could to some extent affect Spain. In Mexico, there is high uncertainty on the impact of the recently approved constitutional reforms, as well as on the policies that will be adopted by the new local government and by the new U.S. administration (in particular, if protective measures adopted by the United States become more aggressive or persist over time, which could adversely impact the country's economic growth). In Turkey, there are increasing signs of normalization in economic policy in general, and monetary policy in particular, since the general elections held in May 2023, which may lead to a gradual correction of the current distortions. Despite the gradual improvement of macroeconomic conditions, the situation remains relatively unstable, characterized by pressures on the Turkish lira, high inflation, a significant trade deficit, low central bank&#x2019;s foreign reserves and high external financing costs. There is also uncertainty about the impact of the geopolitical context in the Middle East on Turkey. In particular, recent regime changes in Syria create opportunities, such as a potential increase in exports and lower migratory pressures, but also risks, which could cause greater volatility of Turkish financial assets, among other possible effects. Continuing unfavorable economic conditions in Turkey may result in a potential deterioration in the purchasing power and creditworthiness of the clients of the Group (both individuals and corporations). In addition, official interest rates, the regulatory and macroprudential policies affecting the banking sector and the currency depreciation have affected and may continue to affect the Group&#x2019;s results. In Argentina, the risk of economic and financial turbulence persists in a context in which the government has substantially modified the economic policy framework and has focused its efforts on implementing strong fiscal and monetary adjustments to reduce inflation. Finally, in Colombia and Peru, climate factors, political tensions and greater social conflict could eventually have a negative impact on the economy.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Any of these factors may have a significant adverse impact on the Group&#x2019;s business, financial condition and results of operations.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt"&gt;Regulatory and reputational risks&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 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 (see "Environmental, social and governance (&#x201c;ESG&#x201d;) risks may adversely impact the Group"). Any change in the Group&#x2019;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&#x2019;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt"&gt;New business, operational and legal risks&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;s systems could, among other things, lead to the misappropriation of funds of the Group&#x2019;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&#x2019; 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&#x2019; s business, financial condition and results of operations. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;There are also claims before the Spanish courts challenging the validity of certain revolving credit card agreements. Rulings in these types of proceedings, whether against the Bank or other financial institutions, could negatively affect the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, in relation to the ESG area, factors that may affect these new business, operational and legal risks have been identified (see "Environmental, social and governance ("ESG") risks may adversely affect the Group"). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, the Group had &#x20ac;791 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 &#x20ac;610 million correspond to legal contingencies and &#x20ac;181 million to tax related matters. However, the uncertainty arising from these proceedings (including those for which no provisions have been made, either because the probability of an unfavorable outcome for the Group is estimated to be remote, or because it is not possible to estimate them or for other reasons) makes it impossible to guarantee that the possible losses arising from the resolution of 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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's interests, could have a material adverse effect on the Group&#x2019;s business, financial condition and results of operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Spanish judicial authorities are investigating the activities of Centro Exclusivo de Negocios y Transacciones, S.L. (&#x201c;Cenyt&#x201d;). Such investigation includes the provision of services by Cenyt to BBVA. On July 29, 2019, BBVA was named as an investigated party (investigado) in a criminal judicial investigation (Preliminary Proceeding No. 96/2017 &#x2013; 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. 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. Since the beginning of the investigation, BBVA has been 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;By order of the Criminal Chamber of the National High Court, the pre-trial phase ended on January 29, 2024. On June 20, 2024, the Judge issued an order authorizing the continuation of abbreviated criminal proceedings&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; against the Bank and certain current and former officers and employees of the Bank, as well as against some former directors, for alleged facts which could constitute bribery and revelation of secrets.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; It is not possible at this time to predict the possible outcomes or implications for the Group of this matter, including any fines, damages or harm to the Group&#x2019;s reputation caused thereby.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:13pt"&gt;Environmental, social and governance (ESG) risks may adversely impact the Group&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;ESG factors present risks associated with (i) climate change, including physical risks and transition risks (linked, among others, to changes in regulations, technologies, and market preferences associated with the transition to a less carbon-dependent economy); (ii) other environmental factors, such as biodiversity loss, water stress and other nature-related factors; (iii) social factors, such as human rights, inclusion, diversity and workplace safety; and (iv) corporate governance matters, such as the governance of environmental and social risks. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;ESG risks include short, medium and long-term risks that may adversely affect the Group and its customers or counterparties. Such risks are expected to increase and/or evolve over time.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Among others, they include the following: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%"&gt;&#x2013; Physical risks. The activities of the Group or those of its customers or counterparties could be adversely affected by the physical risks (including acute and chronic) arising from climate change or other environmental challenges. For example, extreme weather events may damage or destroy properties and other assets of the Group or those of its customers or counterparties, make the insurance against certain risks more expensive or unfeasible, result in increased costs, or otherwise disrupt their respective operations (for example, if supply chains are disrupted as a result), diminishing &#x2013;in the case of the Group&#x2019;s customers or counterparties - their repayment capacity and, if applicable, the value of assets granted as collateral to the Group. The Group is also exposed to potential long-term physical risks arising from climate change and other environmental challenges, such as any ensuing deterioration in economic conditions that results in credit-related costs, or potential impacts on the Group&#x2019;s assets and operations. The Group could also be required to change its business models in response to the foregoing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; Legal and regulatory risks. Legal and regulatory changes related to how banks are required to manage climate and other ESG risks or otherwise affecting banking practices or disclosure of information may result in higher compliance, operational and credit risks and costs. The Group&#x2019;s customers and counterparties may be exposed to similar risks. Further, legal and regulatory changes may result in legal uncertainty and the existence of overlapping or conflicting regulatory or other requirements. They may also give rise to regulatory asymmetries whereby some persons, including the Group and its customers and counterparties, are more heavily regulated than others, placing such persons at a disadvantage. The Group or its customers or counterparties may be unable to meet any new requirements on a timely basis or at all, including new product and service specifications, governance frameworks and practices and disclosure requirements and standards. In addition, in the case of banks, new regulation could include requirements related to lending, investing, capital and liquidity adequacy and operational resilience. The incorporation of ESG risks in the existing prudential framework is still developing and may result in increased risk weighting of certain assets. Moreover, there are significant risks and uncertainties inherent in the development of adequate risk assessment and modelling capabilities with respect to ESG-related matters and the collection of customer, third party and other data, which may result in the Group&#x2019;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, any of which could adversely affect the Group&#x2019;s disclosure and financial reporting. Further, increased regulation arising from climate change and other ESG-related challenges could result in increased litigation by different stakeholders (including non-governmental organizations (NGOs)) and regulatory investigations and actions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; Technological risks. Certain of the Group&#x2019;s customers and counterparties may be adversely affected by the progressive transition to a low-carbon economy and/or risks and costs associated with new low-carbon technologies. If the Group&#x2019;s 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&#x2019;s relevant loan portfolios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; Market risks. The Group and certain of the Group&#x2019;s customers and counterparties may be adversely affected by changes in market preferences due to, among others, increased ESG awareness. Further, the funding costs of businesses that are perceived to be more exposed to climate change or to other ESG-related risks could increase. Any of this could result in the reduced creditworthiness of such customers and counterparties, adversely affecting the Group&#x2019;s relevant loan portfolios. The Group and its customers and counterparties could also be adversely affected by changes in prices resulting from shifts in demand or supply brought by climate change or other ESG-related factors, including prices of energy and raw materials, or by their inability to foresee or hedge any such changes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013; Reputational risks. The perception of climate change and other ESG-related challenges as a risk by society, shareholders, customers, governments and other stakeholders (including NGOs) continues to increase, including in relation to the financial sector&#x2019;s activities. This may result in increased scrutiny of the Group&#x2019;s activities, as well as its ESG-related policies, goals, disclosures or communications. The Group&#x2019;s reputation and ability to attract or retain customers may be harmed if its efforts to reduce ESG-related risks are deemed to be insufficient or if a perception is generated among the different stakeholders that the Group&#x2019;s statements, actions or disclosure do not fairly reflect the underlying sustainability profile of the Group, its products, services, goals and/or policies. At the same time, the Group may refrain from undertaking lending or investing activities or other services that would otherwise have been profitable in order to fulfill its obligations or avoid reputational harm. Further, divergent views on ESG policies may also have a negative impact on the Group&#x2019;s reputation. Increased scrutiny of the Group&#x2019;s activities, as well as its ESG-related policies, goals and disclosure may result in litigation and investigations and supervisory actions (including potential greenwashing claims). The Group has disclosed certain aspirational ESG-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 regulation and policy, the pace of technological change and innovation and the actions of governments and the Group&#x2019;s customers and competitors. Potential greenwashing claims arising from ESG-related statements, disclosure and/or actions of the Group may also give rise to reputational risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Any of these factors may have a material adverse effect on the Group&#x2019;s business, financial condition and results of operations.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"&gt;Credit risk&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Credit risk is the potential loss assumed by the Group as a result of the failure by the Group&#xb4;s counterparties to meet their contractual obligations. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The general principles governing credit risk management in the BBVA Group are:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Risks taken should comply with the general risk policy established by the Board of Directors of BBVA.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Risks taken should be identified, measured and assessed and there should be management and monitoring procedures, in addition to mitigation and control mechanisms.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Help our clients in the transition towards a sustainable future, with a focus on climate change and inclusive and sustainable social development.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;At Group level: frameworks for action and standard rules of conduct are defined for handling risk, specifically, the channels, procedures, structure and supervision.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, credit risk is affected by climate change risk, mainly through physical and transition risks that may impact the payment capacity of counterparties and the valuation of the collateral used and, therefore, expected credit losses (see "Environmental, social and governance (&#x201c;ESG&#x201d;) risks may adversely impact the Group").&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2024, the Group has begun incorporating climate risk factors into the process of calculating expected credit losses for loan portfolios through statistical models that consider both potential damage to collateral and the effect on customers' ability to pay due to physical and transition risks in the Group's main geographies (Spain, Mexico and Turkey). In particular, transition risk has been assessed using an approach that allows capturing its effect on the probability of default (PD) and the impact on customers' provisions in Stage 2 as well as a transfer of exposures from Stage 1 to Stage 2 for corporate portfolios. For physical risk, an approach has been used that would allow estimating the potential deterioration in the value of collateral (real estate assets in corporate and retail portfolios) and its effect on LGD. As of December 31, 2024, the impact recorded for these risks was not significant. The Group will continue working to incorporate in these models the information available from time to time. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%"&gt;Support measures&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In previous years, the Group reported information on the support measures that it provided to its customers under various legislative and sectorial initiatives. These measures included, in particular, those related to the COVID-19 pandemic, which affected several countries and geographical areas where the Group operates. In Spain, it included measures adopted under Royal Decree-Law 6/2022, to alleviate liquidity tensions due to the increases in energy prices and raw materials. These measures have not had any significant impact on the consolidated financial statements of the BBVA Group as of and for the year ended December 31, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, in Spain, the Code of Good Practices regulated by Royal Decree-Law 6/2012, as well as its subsequent amendments, establishes a code of good practices to alleviate the impact of the rise in interest rates on mortgage loans for primary residences, adopting other structural measures to improve the loan market. Up to the date of preparation of these Consolidated Financial Statements, the number and amount of operations granted to clients in compliance with this Code of Good Practices remain reduced.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2024, these support measures implemented in Spain were supplemented by those introduced by Royal Decree-Law 6/2024, which adopted urgent measures to address the damage caused by the torrential rains and floods - Isolated Depression in High Levels - (DANA) in various Spanish municipalities between October 28 and November 4, 2024, especially in the Valencian Community. These measures include the granting of state-guaranteed financing and payment deferrals for borrowers meeting specific requirements. The BBVA Group is facilitating the channelling of this financing through the so-called "DANA Guarantee Line" and granting payment deferrals in accordance with the provisions of Royal Decree-Law 6/2024. These measures have not had any significant impact on the consolidated financial statements of the BBVA Group as of and for the year ended December 31, 2024.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Measurement of Expected Credit Loss&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Risk parameters by homogeneous groups&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As an example of the variables that can be taken into consideration to determine the final models, the following stand out:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;PD &#x2013; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;PD &#x2013; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;LGD &#x2013; Retail: credit Risk Scoring, segment, type of product, secured / unsecured, type of collateral, sales channel, nationality, business area, debtor&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;LGD &#x2013; Wholesale: credit Risk Rating, geographical location, segment, type of product, secured / Unsecured, type of collateral, business area, forbearance (client), debtor&#x2019;s commercial segment time on default of the deal (for defaulted exposures).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;CCF &#x2013; Wholesale/retail, percentage of initial drawn balance, debtor&#x2019;s commercial segment, days past due, forbearance, credit limit activity, time on books.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Individual estimation of Expected Credit Losses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With this, the Group undertakes 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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;s carrying amount and the estimated future cash flows discounted at the financial asset&#x2019;s effective interest rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The estimated recoverable amount should correspond to the amount calculated under the following method:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;the present value of estimated future cash flows discounted at the financial asset&#x2019;s original effective interest rate; and &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The estimated future cash flows depend on the type of approach applied, which can be:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Future operating cash flows should be based on the financial statements of the debtor.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;The growth rate should be based on the analysis of the evolution of the debtor's financial statements or on a sound and 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;d.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;(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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;e.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Future operating cash flows of the debtor are estimated to be low or negative. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;Exposure is significantly collateralized, and this collateral is central to cash-flow generation. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;d.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;e.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Insufficient information is available to perform a going concern analysis.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Significant increase in credit risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 geographical areas, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Uniformity: Based on the rating and scoring systems that, in a homogeneous manner, are implemented in the Group's units.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(Current PD) / (Origination PD) - 1*100 &amp;gt;Relative Threshold (%) and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Current PD &#x2013; Origination PD &amp;gt; Absolute threshold (bps)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 130% to 250% for the relative threshold and from 30 to 100 basis points for the absolute threshold. Specifically, in BBVA, S.A.'s wholesale portfolio the relative threshold is from 180% to 200% and the absolute threshold ranges from 30 to 100 basis points; in the retail portfolio the relative threshold is 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 80 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Risk Parameters Adjusted by Macroeconomic Scenarios&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Step 1: Analysis and transformation of time series data.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Step 2: For each dependent variable find conditional forecasting models that are economically consistent.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Step 3: Select the best conditional forecasting model from the set of candidates defined in Step 2, based on their forecasting capacity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;How economic scenarios are reflected in the calculation of ECL&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The net income of families, corporates or public administrations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The outstanding payment amounts on the principal and interest on the financial instruments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The value of the collateral assets pledged to the loan.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Group approximates these variables by using a proxy indicator from the set included in the macroeconomic scenarios provided by BBVA Research.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The real GDP growth for the purpose of conditional forecasting can be seen as the only &#x201c;factor&#x201d; required for capturing the influence of all potentially relevant macro-financial scenarios on internal PDs and LGD.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Multiple scenario approach&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;IFRS 9 requires calculating an unbiased probability weighted measurement of ECL by evaluating a range of possible outcomes, including forecasts of future economic conditions. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Research produces 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 (Internal Capital Adequacy Assessment Process) and Risk Appetite Framework, stress testing, etc.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, BBVA Research produces alternative scenarios to the baseline scenario so as to meet the requirements under the IFRS 9 standard.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Alternative macroeconomic scenarios&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;For each of the macro-financial variables, BBVA Research produces three scenarios. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&#x2019;s footprint. To build economic scenarios, BBVA Research combines official data, econometric techniques and expert judgment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&#x2019;s probability depends on the distance of the alternative scenarios from the base one.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Macroeconomic scenarios &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The forward-looking information incorporated in the calculation of expected losses is in line with the macroeconomic perspectives published by BBVA Research, which are quarterly updated. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Research forecasts a maximum of five years for the macroeconomic variables. The following forecasts (positive base and negative scenarios) of the GDP growth, unemployment rate and House Price Index (HPI), for the most relevant countries where they represent a significant factor, provided by BBVA Research, were used for the calculation of the ECL as of December 31, 2024:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Positive scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.97 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.01 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.79 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.78 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.97 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.89 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.02 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.17 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.38 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.27 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.65 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.64 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.89 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.82 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.80 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.05 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.69 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.81 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.81 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.96 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.66) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.37 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.16 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.20 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.45 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.37 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.07 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.15 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.83 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.68 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.72 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.31 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.11 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.05 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.55 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.50 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.22 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.95 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Base scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.80 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.29 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.32 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.46 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.69 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.64 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.73 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.86 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.17 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.58 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.61 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.08 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.36 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.52 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.01 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.51 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.046%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.10 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.76) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.38 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.20 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.49 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.34 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.19 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.26 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.81 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.45 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.36 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.86 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:bottom"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Negative scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="27" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.05 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.97 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.56 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.80 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.71 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.15 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.16) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.86 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.79 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.30) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.50 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.53) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.20) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.07 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.71 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.50) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.81) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.14 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.37 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.83 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.11) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.87) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.72 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.67 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.86) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.53 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.55) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.32 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.79 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.47 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.737%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.098%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.93) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.38 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.21 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.56 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.02 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.30 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.68 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.60) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.10 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.93 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.04 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.63 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.90 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.79) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.16 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.81 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.93 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.53) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.36 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.49 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.41) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.09 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The estimate for the next five years of the following rates, used in the measurement of the expected loss as of December 31, 2023, consistent with the latest estimates made public at that date, was:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.153%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.247%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Positive scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.84 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.61) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.62 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.31 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.32 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.89 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.79 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.82 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.68 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.07 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.33 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.86 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.81 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.14 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.68 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.22 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.14 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.95 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.01 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.156%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.33 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.82) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.05 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.06 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.63 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.99 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.22 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.93 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.27 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.03 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.72 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.32 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.35 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.28 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.90 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Base scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.36 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.93) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.82 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.63 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.92) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.91 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.27 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.90 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.50 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.28 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.94 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.85 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.53 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.74 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.14 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.79 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.05 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.63 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.69 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.74 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.15 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.83 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.07 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.20 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.667%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.943%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.36) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.01) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.28 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.11 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.82 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4.04) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.25 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.15 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.33 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.56 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.32 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.72 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.50 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.60 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.09 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.153%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Negative scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.28) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.49 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.37 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.94 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.86 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.54) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.45 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.33) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.73 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.92 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.22 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.53 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.33 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.71 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.43 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.30 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.93 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.32 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.79 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.07 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.36 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.156%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.04) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.91 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4.16) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.49 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.15 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.60) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8.75) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.15 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.51 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.02 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.84 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.59 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.72 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.71 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.82 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.17 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.90 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.66 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.08 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.29 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Sensitivity to macroeconomic scenarios&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.123%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.054%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Expected loss variation as of December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- 100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;74&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(170)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(145)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Housing price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- 100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.123%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.054%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Expected loss variation as of December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#160;- 100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;61&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#160;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(165)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Housing price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#160;- 100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#160;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Additional adjustments to expected loss measurement&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 such 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, including the relevant Global Risk Management Committee (among the GRMC committees).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2023, &#x20ac;227 million were recorded as adjustments in Spain due to the review of the Loss Given Default (LGD) of certain specific operations considered unlikely to pay mainly related to the mortgage portfolio, and &#x20ac;25 million in adjustments were recorded at a contract level in Turkey, due to the reclassification to Stage 2 of the credit exposure recorded in the five cities most affected by the February 2023 earthquake.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, adjustments totaled &#x20ac;33 million at a Group level, and were the result of (i) new adjustments recorded in Spain as result of the damage caused by the torrential rains and floods - Isolated Depression at High Levels (DANA) - in different Spanish municipalities between October 28 and November 4, 2024; (ii) the elimination of the adjustments related to Spain referred to in the preceding paragraph, given that the criteria for making such adjustments was incorporated as part of the Group&#xb4;s models for estimating expected loss, following the annual exercise of parameter recalibration for estimating expected loss; and (iii) the elimination of the adjustments related to Turkey referred to in the preceding paragraph due to the evolution of payment behavior of borrowers in the affected area.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Credit risk exposure&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Group&#x2019;s credit risk exposure by headings in the consolidated balance sheets as of December 31, 2024, 2023 and 2022 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 category of financial instruments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Maximum credit risk exposure (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;72,945&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27,955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;10,546&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;358&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Derivatives (trading and hedging) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;53,229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;59,115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;57,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;55,315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;514,086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;467,910&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,930&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,246&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;59,070&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;58,887&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;149&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,668&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;424,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;378,104&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,211&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total financial assets risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;710,757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total loan commitments and financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;262,233&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;253,291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;791&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;188,515&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;182,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;798&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;192&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;48,948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,828&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;439&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total maximum credit exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;972,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maximum credit risk exposure (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December&lt;br/&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;106,749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28,569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;73,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;484&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Derivatives (trading and hedging) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;48,747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;62,289&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;61,047&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;60,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;463,130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;410,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;38,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,478&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49,544&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49,403&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,498&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,478&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;388,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;336,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;37,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,444&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total financial assets risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;690,606&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total loan commitments and financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;214,283&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;204,842&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,411&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,030&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;152,868&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;147,376&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,326&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,839&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,612&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;998&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;229&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39,854&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;636&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total maximum credit exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;904,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Maximum credit risk exposure (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;70,763&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,404&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,993&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Derivatives (trading and hedging) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;53,101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;65,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;64,273&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;63,425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;425,803&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;378,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33,873&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13,523&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36,730&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,997&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;69&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;368,588&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;321,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total financial assets risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;622,965&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total loan commitments and financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;192,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;181,427&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,993&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,147&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;136,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;130,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,283&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,015&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;281&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39,137&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;689&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total maximum credit exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;815,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The maximum credit exposure presented in the table above is determined by type of financial asset as explained below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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").&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, there are no financial assets classified as purchased or originated credit impaired in the consolidated balance sheets of the BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by geographical area and stage 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, 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spain &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;232,185&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;208,969&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,637&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,684)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(543)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(631)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,510)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;227,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;208,426&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,069&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;91,717&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;83,053&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,517&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,055)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,210)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(542)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,303)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88,662&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;81,843&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50,083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,708&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,784)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(243)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(390)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,151)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;48,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;690&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;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"&gt; (3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;48,897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,079)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(393)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(283)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,403)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,811&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,148&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;860&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Others &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;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"&gt; (4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;424,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;378,104&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,611)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,389)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(1,847)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,374)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;412,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;375,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;29,925&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,837&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: individual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,532)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,197)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: collective&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10,079)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,376)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,526)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(6,177)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Spain includes all countries where BBVA, S.A. operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Turkey includes all countries in which Garanti BBVA operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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, 2024, the remaining balance was &#x20ac;107 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spain &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;183,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,593)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(503)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(714)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,375)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;209,929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;183,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,690&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;91,086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;81,619&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,995&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,472&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,049)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,097)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(620)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,332)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88,037&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;80,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,140&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39,058&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,234&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,719&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,641)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(167)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(314)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,160)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;37,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,938&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;559&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;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"&gt; (3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,738&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,976)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(319)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(377)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,280)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35,918&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;896&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,094&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,069&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,085&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,068&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;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"&gt; (4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;388,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;336,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;37,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,444&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,269)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,087)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,026)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,156)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;377,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;334,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;35,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,287&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: individual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,665)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(471)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,179)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: collective&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(9,604)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,072)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,555)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(5,977)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Spain includes all countries where BBVA, S.A. operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Turkey includes all countries in which Garanti BBVA operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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, 2023 the remaining balance was &#x20ac;142 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.793%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spain &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;186,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19,621&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,468&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,860)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(518)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(759)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,583)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;209,206&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;186,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,885&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;73,729&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66,448&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,342&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,939&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,496)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(955)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(475)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,066)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;71,233&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;65,494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;873&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Turkey &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39,547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,755&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,436&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,105)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(224)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(358)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,523)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;37,443&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;833&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;South America &#x207d;&#x2074;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;40,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,721&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,768)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(318)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(345)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,105)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;615&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,047&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total &#x207d;&#x2075;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;368,588&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;321,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,237)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,014)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(1,938)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,284)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;357,351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;319,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,208&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: individual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,164)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(604)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,539)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: collective&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(9,073)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,994)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,334)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(5,745)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Spain includes all countries where BBVA, S.A. operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Turkey includes all countries in which Garanti BBVA operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(4)  In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(5) 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 &#x20ac;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Public administrations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,982&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,040&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;471&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;197,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;179,727&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,134)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(639)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(636)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,859)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;193,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;179,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,143&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,156&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;186,910&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;159,355&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7,427)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,729)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,199)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,499)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;179,483&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;157,627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,659&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;424,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;378,104&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,611)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,389)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(1,847)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,374)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;412,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;375,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;29,925&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,837&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Public administrations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,294&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;164&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;152&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,072&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;187&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,062&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;175,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;154,519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,274)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(517)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(795)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,962)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;171,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;154,002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,558&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;177,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;145,837&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,286&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,886&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(6,946)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,552)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,214)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,180)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;170,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;144,285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,071&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,706&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;388,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;336,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;37,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,444&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,269)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,087)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,026)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,156)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;377,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;334,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;35,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,287&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Public administrations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,922&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,574&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,548&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,765&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;170,929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;149,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5,495)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(675)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(991)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,829)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;165,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;148,826&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,511&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;163,936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;138,896&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,941&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5,675)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,316)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(925)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,434)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;158,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;137,580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,663&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;368,588&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;321,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,237)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,014)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(1,938)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,284)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;357,351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;319,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,208&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by type of counterparty and product, net of loss allowances, and the gross carrying amount by type of counterparty as of December 31, 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;On demand and short notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2,099&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,521&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit card debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;25,449&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;27,721&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;29,669&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commercial debtors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,077&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,244&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;29,247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;31,764&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;32,023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,672&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;270&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;10,125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;10,364&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Reverse repurchase loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;219&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,422&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,803&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;20,519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,529&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;11,771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;148,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;151,313&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;347,102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;356,002&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Advances that are not loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;452&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,960&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,084&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;353&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,330&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,397&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;8,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;22,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;22,719&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;17,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;193,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;179,610&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;443,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;455,399&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By secured loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: mortgage loans collateralized by immovable property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;245&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;680&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;29,307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;97,627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;127,860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;130,633&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: other collateralized loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,628&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;29,861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;30,129&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By purpose of the loan&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: credit for consumption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;67,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;67,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;72,447&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: lending for house purchase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;98,570&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;98,570&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;100,218&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By subordination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: project finance loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,901&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;On demand and short notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,933&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,040&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,175&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit card debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;20,959&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;22,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;24,454&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commercial debtors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;960&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;23,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;25,171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;25,346&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;225&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8,940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,714&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Reverse repurchase loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,786&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,223&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,234&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;21,662&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,329&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;134,024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;147,491&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;322,683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;331,813&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Advances that are not loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;412&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6,312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;956&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,164&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;7,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;23,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;17,502&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;13,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;171,241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;170,175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;402,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;413,901&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By secured loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: mortgage loans collateralized by immovable property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;24,829&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;96,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;122,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;125,328&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: other collateralized loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,933&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,938&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,430&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;26,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;26,963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By purpose of the loan&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: credit for consumption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;59,892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;59,892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;64,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: lending for house purchase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;97,555&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;97,555&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;99,224&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By subordination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: project finance loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,743&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;On demand and short notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2,810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;933&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,266&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit card debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2,029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;16,865&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;18,898&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;19,985&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commercial debtors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;24,510&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;26,011&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;26,254&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8,040&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;322&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8,857&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Reverse repurchase loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,655&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,674&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;19,438&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,995&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;126,949&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;139,925&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;302,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;311,553&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Advances that are not loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;296&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,930&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,758&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;4,401&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;20,892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;16,057&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;12,765&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;165,593&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;158,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;378,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;389,347&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By secured loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: mortgage loans collateralized by immovable property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;297&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;95,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;119,659&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;122,719&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: other collateralized loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;498&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,382&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,073&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;548&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,635&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,209&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,675&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By purpose of the loan&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: credit for consumption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;51,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;51,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;54,718&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: lending for house purchase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;95,249&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;95,249&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;96,716&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By subordination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: project finance loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;8,530&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Mitigation of credit risk, collateralized credit risk and other credit enhancements&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In certain cases, maximum credit risk exposure is reduced by collateral, credit enhancements and other actions which mitigate the Group&#x2019;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&#x2019;s capacity for repayment, or that the debtor can generate sufficient resources to allow the amortization of the risk incurred under the agreed terms.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The policy of accepting risks is therefore organized into three different levels in the BBVA Group:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;analysis of the financial risk of the transaction, based on the debtor&#x2019;s capacity for repayment or generation of funds;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;assessment of the repayment risk (asset liquidity) of the guarantees received.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;s wholesale and retail banking are included in the Specific Collateral Rules.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;s legal units.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following is a description of the main types of collateral for each financial instrument class:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The summary of the offsetting effect (via netting and collateral) for derivatives and securities operations as of December 31, 2024 is presented in Note 7.4.2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the BBVA Group had no significant credit risk exposure of impaired financial assets at fair value through other comprehensive income (see Note 7.2.2).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Financial assets at amortized cost:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Loans and advances to credit institutions: These usually have the counterparty&#x2019;s personal guarantee or pledged securities in the case of repos.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;Debt securities: The guarantees or credit enhancements obtained directly from the issuer or counterparty are inherent to the structure of the instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Financial guarantees, other contingent risks and drawable by third parties: these have the counterparty&#x2019;s personal guarantee or other types of collaterals.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The disclosure of impaired loans and advances at amortized cost covered by collateral (see Note 7.2.5), shown by type of collateral, as of December 31, 2024, 2023 and 2022, is the following: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.431%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.739%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.596%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impaired loans and advances at amortized cost covered by collateral (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maximum exposure to credit risk&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Of which secured by collateral&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Residential properties&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commercial properties&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Cash&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;573&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,153&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,226&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,537&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;849&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;984&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The value of guarantees received as of December 31, 2024, 2023 and 2022, is the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.137%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.155%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Guarantees received (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Value of collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;144,844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;136,141&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;125,963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: guarantees normal risks under special monitoring&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14,274&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,826&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: guarantees non-performing risks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,440&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Value of other guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;56,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;53,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;40,050&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: guarantees normal risks under special monitoring&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,273&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,864&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: guarantees non-performing risks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;984&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total value of guarantees received&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;201,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;189,602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;166,013&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The maximum credit risk exposure of impaired financial guarantees and other commitments as of December 31, 2024, 2023 and 2022 amounts to &#x20ac;791 million, &#x20ac;1,030 million and &#x20ac;1,147 million, respectively (see Note 7.2.2).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Credit quality of financial assets that are neither past due nor impaired&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 (&#x201c;PD&#x201d;) 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Scoring&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;There are three types of scoring, based on the information used and on its purpose:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Reactive scoring: measures the risk of a transaction requested by an individual using variables relating to the requested transaction and to the customer&#x2019;s socio-economic data available at the time of the request. The new transaction is approved or rejected depending on the score.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Proactive scoring: gives a score at customer level using variables related to the individual&#x2019;s general behavior with the entity, and to his/her payment behavior in all the contracted products. The purpose is to track the customer&#x2019;s credit quality and it is used to pre-approve new transactions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Rating&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For portfolios where the number of defaults is low (sovereign risk, corporates, financial entities, etc.) the internal information is supplemented by &#x201c;benchmarking&#x201d; of the external rating agencies (Moody&#x2019;s, Standard &amp;amp; Poor&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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;amp; Poor&#x2019;s and Moody&#x2019;s. These calculations establish the levels of probability of default for the BBVA Group&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The table below outlines the distribution of the gross carrying amount of loans and advances to customers, contingent risk and commitments, in percentage terms, of the BBVA Group, based on their probability of default within 12 months and internal rating &#160;&#160;&#160;&#160;used in the calculation of the expected loss under IFRS 9, and their stages, as of December 31, 2024, 2023 and 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Probability of default (basis points) and internal rating&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to 12 month ECL (stage 1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to lifetime ECL (stage 2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to 12 month ECL (stage 1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to lifetime ECL (stage 2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to 12 month ECL (stage 1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to lifetime ECL (stage 2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Internal rating&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PDs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 to 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AA+ to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2 to 5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;A+ to A-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5 to 11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBB+ to BBB-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11 to 39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BB+ to BB-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39 to 194&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;B+ to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;194 to 1,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;CCC+ to CCC-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,061 to 2,121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;CC+ to C&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&amp;gt; 2,121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;94.5&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5.5&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;92.4&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.6&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;92.3&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.7&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Data corresponding to the year 2022, does not include commitments nor contingent liabilities.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Impaired loan risks&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of loans and advances within financial assets at amortized cost by type of counterparty, including their respective gross carrying amount, impaired amount and accumulated impairment as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impaired loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated impairment &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,668&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;197,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,134)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;186,910&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7,427)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;455,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,630)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impaired loans and advances&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated impairment &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,294&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,498&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;175,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,274)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;177,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,886&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6,946)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;413,585&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,316)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.241%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.119%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.119%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impaired loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated impairment &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,922&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;170,929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,495)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;163,936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,675)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;389,073&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,291)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The changes during the years 2024, 2023 and 2022 of impaired financial assets and guarantees given are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in impaired financial assets and guarantees given (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,467&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,084&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Decreases&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7,346)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,795)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,742)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Net additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,272&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,342&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Amounts written-off&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,559)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,770)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,771)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(820)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(660)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(517)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,521&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(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.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The changes during the years 2024, 2023 and 2022 in financial assets derecognized from the consolidated balance sheet as their recovery is considered unlikely ("write-offs"), is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.969%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.001%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.676%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.609%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in impaired financial assets written-off from the balance sheet (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,787&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,595&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;21,990&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,871&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Decrease:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,801)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,035)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,431)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Re-financing or restructuring&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash recovery&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(403)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(369)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(390)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreclosed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:4.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Sales &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,719)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,201)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,498)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Debt forgiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(669)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(410)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(368)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Time-barred debt and other causes &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(147)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(189)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;25,343&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,787&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,595&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Includes principal and interest.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"&gt;Gross carrying amount and loss allowances&lt;/span&gt;&lt;div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Movements, measured over a 12-month period, in gross accounting balances and accumulated loss allowances during 2024, 2023 and 2022 are recorded on the consolidated balance sheet as of December 31, 2024, 2023 and 2022 in order to cover the estimated impairment or reversal of impairment on loans and advances at amortized cost:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in gross carrying amount of loans and advances at amortized cost. Year 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;361,186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;37,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;413,585&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,032)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11,840)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(9,830)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,260)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,949)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,208&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,564&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,801)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6,378)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58,952&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(333)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,149)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,594)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13,508)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,137)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(557)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(15,203)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(250)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(78)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;409,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;455,016&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;During 2024, the criteria for identifying significant increases in credit risk were reviewed and updated. As part of this update, certain short-term portfolio transactions, as well as those meeting the expanded definition of the low credit risk exception (see Note 2.2.1), have been exempted from transfer to Stage 2 based on certain quantitative criteria. These changes have led to a significant reduction in the Stage 2 balance at the Group level during the last quarter of 2024, with the impact of these measures primarily concentrated in BBVA, S.A.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in allowances of loans and advances at amortized cost. Year 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,131)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,026)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,158)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,316)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,766)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,031)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(697)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(594)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;275&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,498)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,259)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(146)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;548&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,059)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,125)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,174)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,337&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;325&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,075&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,613&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(342)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;246&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,406)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,848)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,375)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,630)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For the year ended December 31, 2024, the impairment charges recognized under the heading &#x201c;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification" amounted to &#x20ac;5,745 million (&#x20ac;4,428 million and &#x20ac;3,379 million for the years ended December 31, 2023 and 2022, respectively) (see Note 47).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in gross carrying amount of loans and advances at amortized cost. Year 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;341,944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;389,073&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11,647)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,184&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(18,172)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;18,172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(7,639)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,203)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,297)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(4,316)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,334&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,233)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,663&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,764&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(186)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,889)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,150)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,833)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(635)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(369)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,838)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;401&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(365)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(187)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(665)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;361,186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;37,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;413,585&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in allowances of loans and advances at amortized cost. Year 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,065)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,942)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,284)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,291)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(336)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,527)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,790)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(681)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(563)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;210&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,935)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,734)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;408&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;297&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(466)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(846)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,853&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,071&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;235&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;631&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,131)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,026)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,158)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,316)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;Changes in gross carrying amount of loans and advances at amortized cost. Year 2022 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;300,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;349,037&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,041)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,914&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,128&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(12,726)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,726&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;8,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(8,537)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,941)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,831)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,773&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,645)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,201)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;258&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,432)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,530)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Methodological changes and adoption of new standards &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(672)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(672)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,447&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(461)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(301)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;231&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;573&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;341,944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;389,073&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) The entire impact corresponds to the application of IFRS 17 (See Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in allowances of loans and advances at amortized cost. Year 2022 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,990)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,091)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,061)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,142)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,570)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,473)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(397)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;283&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,917)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,662)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(406)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(273)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(663)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,342)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,106&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;161&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(160)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;279&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;511&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,065)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,942)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,284)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,291)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The loss allowances recorded in the balance sheet to cover the impairment estimated in the debt securities amounted to &#x20ac;169, &#x20ac;166 and &#x20ac;214 million as of December 31, 2024, 2023 and 2022, respectively. The variation is mainly due to changes in credit risk variations, mainly in Garanti BBVA, BBVA, S.A. and BBVA Argentina.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, the loss allowances recorded in the balance sheet to cover the impairment estimated in the commitments and guarantees given amounted to &#x20ac;667, &#x20ac;770 and &#x20ac;770 million as of December 31, 2024, 2023 and 2022, respectively (see Note 24). The variation is mainly driven by changes due to origination and acquisition in Garanti BBVA.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"&gt;Refinancing and restructuring transactions &lt;/span&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:112%"&gt;Group policies and principles with respect to refinancing and restructuring transactions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group&#x2019;s refinancing and restructuring policies are based on the following general principles:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&#x2019; 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;This analysis is carried out from the overall customer or group perspective. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Refinancing and restructuring transactions do not in general increase the amount of the customer&#x2019;s loan, except for the expense inherent to the transaction itself. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The capacity to refinance and restructure a loan is not delegated to the branches, but decided on by the risk units. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The decisions made are reviewed from time to time with the aim of evaluating full compliance with refinancing and restructuring policies. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the case of retail customers (private individuals), the main aim of the BBVA Group&#x2019;s policy on refinancing and restructuring a loan is to avoid default arising from a customer&#x2019;s temporary liquidity problems by implementing structural solutions that do not increase the balance of the customer&#x2019;s loan. The solution required is adapted to each case and the loan repayment is made easier, in accordance with the following principles: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Analysis of the viability of transactions based on the customer&#x2019;s willingness and ability to pay, which may be reduced, but should nevertheless be present. Therefore, in all cases the customer shall at least make interest payments, with certain limited exceptions where grace periods are afforded in respect of both principal and interest payments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Refinancing and restructuring of transactions is only allowed on those loans in which the BBVA Group originally entered into.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Customers subject to refinancing and restructuring transactions are excluded from marketing campaigns of any kind.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Where appropriate, the existence of a divestment plan for assets and/or operating segments that can generate cash to assist the deleveraging process.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The capacity of shareholders to contribute capital and/or guarantees that can support the viability of the plan.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In accordance with the Group&#x2019;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group maintains the policy of including risks related to refinanced and restructured loans as either:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;"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&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;"Significant increase in credit risk" until the conditions established for their consideration as normal risk are met.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The assets classified as "Impaired assets" should comply with the following conditions in order to be reclassified to "Significant increase in credit risk":&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The customer has to have paid a significant part of the pending exposure.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The customer does not have past due payments and objective criteria, demonstrating the borrower&#xb4;s ability to pay, have been verified.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The conditions established for assets classified as &#x201c;Significant increase in credit risk&#x201d; to be reclassified out of this category are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&#xb4;s ability to pay, have been verified; none of its exposures is more than 30 days past-due.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. They may be reclassified to normal risk as long as the significant increase in credit risk has been reversed within two years, although they must remain identified as refinanced/restructured until the minimum two-year trial period ends.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For quantitative information on refinancing and restructuring transactions see Appendix VIII.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"&gt;Risk concentration&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Policies for preventing excessive risk concentration &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The limit on the Group&#x2019;s exposure or financial commitment to a specific customer therefore depends on the customer&#x2019;s credit rating, the nature of the risks involved, and the Group&#x2019;s presence in a given market, based on the following guidelines:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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&#xb4;s entity that assumes them), the markets, the macroeconomic situation, etc.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Risk concentrations by geographical area&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the main figures in the most significant foreign currencies in the consolidated balance sheets is set forth in Appendix IX.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Sovereign risk concentration &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Sovereign risk management&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For additional information on sovereign risk see Appendix IX.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Policies for Risk related to the developer and Real Estate sector in Spain&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Policies and strategies established by the Group to deal with risks related to the developer and real-estate sector&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Specific policies for analysis and granting of new developer risk transactions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Risk monitoring policies&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Policies applied in the management of real estate assets in Spain&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The internal Rules on Real Estate Financing, which establish recommendations for financing a new housing development business, are reviewed and updated annually.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Risk concentration related to the developer and Real Estate sector in Spain&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, there is no risk concentration in the developer and real estate sector, taking into account that its weight in total wholesale risks in Spain was approxi&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;mately &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;10&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;%, while compared with the total risks in the portfolio (wholesale and retail), the Real Estate risk assumed was around &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;4&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For quantitative information about the risk related to the developer and Real-Estate sector in Spain see Appendix IX. &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:13.11pt"&gt;Structural risk&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Consequently, GRM deals with the identification, measurement, monitoring and control of those risks and their reporting to the corresponding corporate bodies. Through the 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a second line of defense, GRM is in charge of identifying risks, and establishing policies and control models, periodically evaluating their effectiveness.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Interest rate risk and credit spread in the banking book&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The structural interest-rate risk (hereinafter "IRRBB") is related to the potential impact that variations in market interest rates may have on an entity's earnings, through the impact on net interest income and on the valuation of instruments accounted for at fair value, as well as on the 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Furthermore, the credit spread risk in the banking book ("CSRBB") arises from the potential impact on the entity&#xb4;s earnings and/or the value of equity of the banking book produced by a variation in the level of market credit spreads that are not explained by default or migration risk or by movements in market interest rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;IRRBB and CSRBB management is carried out from a double perspective, the economic value of equity and earnings, including the management of net interest income and the monitorization of banking book instruments accounted at fair value with an impact on the income statement and/or on equity. In addition, the banking book instruments recorded based on their market value (fair value) are subject to specific monitoring, due to their impact on risk and on capital, through other comprehensive income or the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The exposure of a financial entity to adverse interest rates and credit spreads movements is a risk inherent to the development of the banking business, which is also, in turn, an opportunity to create economic value. Therefore, these risks must be effectively managed so that they are limited in accordance with the entity&#x2019;s equity and in line with the expected economic result.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In BBVA, the purpose of IRRBB risk management is to maintain the recurrent generation of earnings in the event of market interest rate fluctuations&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%"&gt;,&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; through the contribution to the net interest income and the control of the potential impacts on the mark-to-market&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;of the fair value accounted portfolios,&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;as well as to limit the capital consumption due to structural interest rate risk. Likewise, the spread risk management in banking book portfolios is aimed at limiting the impact on equity derived from changes in 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 maintaining the spread risk at levels aligned with the total volume of the investment portfolio and the equity of the Group, as well as limiting the impact on earnings when market credit spreads change.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These functions fall to the Global Asset &amp;amp; Liability Management (hereinafter "ALM") unit, within the Finance area, which, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;IRRBB management is decentralized, and is carried out in each entity included in the structural balance sheet (banking book) of the BBVA Group with the supervision and coordination from the corporate unit of Global ALM, 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 of the EBA guidelines.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Nature of interest rate risk and credit spread risk &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA's IRRBB and CSRBB in the banking book 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Key assumptions of the model&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. In order to provide the required dynamism to enhance the accuracy of assumptions and reflect specific market or management circumstances, risk models and metrics may incorporate parameters or adjustments based on expert judgment, subject to the internal governance measures established in this regard. Assumptions are regularly subject to a sensitivity analysis to assess and understand the impact of the modelling on the risk metrics.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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 Held to Collect &amp;amp; Sale (HTC&amp;amp;S) in terms of sensitivities of the main currencies for the BBVA Group in 2024:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.815%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.570%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Sensitivity to interest-rate and credit spread analysis. Year 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on net interest income&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on economic value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on economic value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-2.5% , -1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;U.S. dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[1.5% , 2.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-3.5% , -2.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-3.5% , -2.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[2.5% , 3.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Percentage of "12 months" net interest income for the BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Percentage of CET1 (Fully Loaded) for BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.431%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.986%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.086%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Sensitivity to interest-rate and credit spread analysis. Year 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on net interest income &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on economic value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on economic value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point decrease &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;U.S. dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[1.5% , 3.5%]&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-3.5% , -1.5%]&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Percentage of "12 months" net interest income for the BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Percentage of CET1 (Fully Loaded) for BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;At an aggregate level, BBVA seeks to maintain a limited risk profile, in accordance with the established objective within an environment of a cycle shift towards lower interest rates, having positive sensitivity to interest rate hikes in the net interest income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2024, the actual and expected evolution of inflation, as well as the response of central banks to it, in addition to geopolitical events, have been the focus of the market's attention. In this sense, expectations regarding the number of rate cuts and their speed have been changing throughout the year, with some episodes of certain volatility.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Thus, while the ECB began its cycle of rate cuts in June and continued at its September, October and December meetings, the Federal Reserve cut rates in September with an initial 50 basis points, followed by an additional 25 basis points at its November meeting. Over the year as a whole, yield curves steepened, generally with falls in the short end and rises in the longer end. Spreads on peripheral curves continued to be well supported and narrowed during the year. The positivity observed in the American and European curves also carried over to Mexico and much of South America. Turkey, for its part, experienced a rebound in both real and nominal rates during the year. All in all, the Group's debt security portfolios performed heterogeneously during the year, with a notable increase in valuations in Spain, while they fell in Turkey.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The most relevant aspects related to the main geographical areas are the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:9.74pt"&gt;Spain has a balance sheet characterized by a lending portfolio with a high proportion of variable-rate loans (mortgages and corporate lending) and liabilities composed mainly by customer demand deposits. The ALCO portfolio acts as a management lever and hedge for the balance sheet, mitigating its sensitivity to interest rate fluctuations. In an environment of high rates, the exposure of net interest income to movements in interest rates remains limited.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:9.74pt"&gt;The reference interest rate in the Eurozone stood at 3.15% at the end of December 2024, the deposit facility rate at 3.00% and the marginal credit facility rate at 3.40%. Additionally, as announced in March 2024, the ECB reduced the differential between the reference interest rate and the deposit facility rate to 15 basis points in September 2024. Regarding reinvestments under the Pandemic Emergency Purchase Program (PEPP), they were ended at the end of 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:9.18pt"&gt;Mexico continues to show a balance between fixed and variable interest rates balances, which results in a limited sensitivity to interest rates fluctuations. Among the assets that are most sensitive to interest rate changes, the commercial portfolio stood out, while consumer and mortgage portfolios are mostly at a fixed rate. With regard to customer deposits, the high proportion of non-interest bearing deposits, which are insensitive to interest rate movements, should be highlighted. The ALCO portfolio is invested primarily in fixed-rate sovereign bonds with limited durations. The monetary policy rate stood at 10.00% at the end of 2024, 125 basis points below the end-of-year level of 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:9.74pt"&gt;In Turkey, deposit sensitivity is offset by the ALCO portfolio and loans (fixed rate and relatively short-term). Interest rate sensitivity remains limited thanks to the various management actions carried out by the Bank. In 2023, the Central Bank of the Republic of Turkey (hereinafter "CBRT") implemented successive increases in monetary policy rates, raising interest rates to 42.50% by the end of 2023. Subsequently, after maintaining the benchmark rates at 50% until November 2024, they were reduced to 47.50% by the end of December 2024. The CBRT is expected to continue lowering official rates, which is expected to be positive for the customer spread in 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:3.82pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:115%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:9.18pt"&gt;In South America, the net interest income sensitivity continues to be limited since most of the countries in the area have a fixed/variable composition. In addition, in balance sheets with several currencies, the interest rate risk is managed for each of the currencies, showing a very low level of exposure. Regarding benchmark rates, in Peru it stood at 5.00% as of December 2024, 175 basis points below its 2023 closing level while in Colombia, the central bank set the benchmark interest rate at 9.50%, accumulating a cut of 350 basis points in 2024. In Argentina, the central bank maintains the benchmark interest rate at 32%, which is a decrease of 68 basis points compared to the end of December 2023.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Structural exchange-rate risk &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Structural exchange rate risk is inherent to the business of international banking groups, such as BBVA, that develop their activities in different geographical areas 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 2024 was characterized by the strength of the dollar against the euro (+6.4%), reflecting the strength of the U.S. economy and the expectation that the new administration's policies will generate greater growth and inflation. Among the emerging currencies, the Mexican peso depreciated strongly (-13.1% against the euro) affected by the election results in Mexico and the new administration in the United States. The Turkish lira was again penalized in 2024 (-11.1%), but to a much lesser extent than in 2023. As for the performance of South American currencies, the Peruvian sol appreciated against the euro (+5.2%), the Colombian peso weakened (-7.8%), while the Chilean peso depreciated by -5.6%. Finally, the Argentine peso experienced a significant depreciation (-16.8%) but it did so in an environment of stabilization of the country's macroeconomic variables, which are expected to lay the foundations for future economic recovery.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA maintains management policies for the main investments in emerging countries with the objective of reaching a coverage level, 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 CET1. In relation to the CET1 capital ratio, the estimated sensitivities at the end of 2024 of a 10% depreciation in the relevant currency was as follows: Mexican peso (-9 basis points); Turkish lira (-4 basis points) and U.S. dollar (+20 basis points). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For the years 2024, 2023 and 2022, the estimated sensitivities (in absolute terms) 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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:22pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:bottom"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Sensitivity to 1% change (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19.1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Peruvian sol&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Colombian peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Equity risk in the banking book&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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;amp; M&amp;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Backtesting is carried out on a regular basis on the risk measurement model used.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Equity markets performed very positively in 2024 but with more modest gains in Europe than in the United States, reflecting the differences in economic dynamism in both blocks. The monetary easing cycle initiated by central banks supported stock market increases, but were prevented from converging towards official targets by persistent inflation. The technology sector led the increases in the United States, driven by the adoption of artificial intelligence solutions, while in Europe, the banking sector performed exceptionally well, enabling it to lead the European stock markets. At the local level, the Spanish stock market presented one of the best performances at the European level, although with less dynamism than in 2023. Telef&#xf3;nica, where the Group holds a stake classified as equity in its banking book, performed in line with the evolution of the European telecommunications sector.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Structural equity risk, measured in terms of economic capital, has increased during the last year due to the higher exposure taken. The aggregate sensitivity of the BBVA Group&#x2019;s consolidated equity to a 1% fall in the price of shares of the companies making up the equity portfolio amounted to &#x20ac;-27 million as of December 31, 2024, compared to &#x20ac;-24 million as of December 31, 2023. 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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:14.46pt"&gt;Market risk&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, market risk may be affected by ESG factors due to the effect they may have on the Group, clients and counterparties (see Note 7.1).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Market risk in trading portfolios &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The main risks in the trading portfolios can be classified as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The metrics developed to control and assess market risk in the BBVA Group are aligned with market practices and are implemented consistently across all the local market risk units. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The standard metric used to measure market risk is Value at Risk (hereinafter &#x201c;VaR&#x201d;), 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With respect to the risk measurement models used by the BBVA Group, the Supervisor 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 66%, 76% and 63% of the Group&#x2019;s trading-book market risk as of December 31, 2024, 2023 and 2022. For the rest of the geographical areas where the Group operates (applicable mainly to the Group&#xb4;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&#x201d;).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;s business units).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The VaR figures are estimated based on the VaR without smoothing methodology, 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. The VaR stress metric is obtained in an analogous way (99% percentile, with 1-day loss), with a fixed window of 1 year within the established stress period, subject to revision and being specific to each geographical area to represent its stress period. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Specific Risk - Incremental Risk Capital (&#x201c;IRC&#x201d;): 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 &amp;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Market risk in 2024&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group&#x2019;s market risk related to its trading portfolio remained in 2024 at low levels compared to other risks managed by BBVA, particularly credit risk. This is due to the nature of the business. In 2024, the average VaR was &#x20ac;37 million, above the figure of 2023, with a maximum level in the year reached on February 19, 2024 of &#x20ac;50 million. The evolution in the BBVA Group&#x2019;s market risk during 2024, measured as VaR with a 99% confidence level and a 1-day horizon (shown in Millions of Euros) is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;img alt="290" src="bbva-20241231_g3.jpg" style="height:380px;margin-bottom:5pt;vertical-align:text-bottom;width:650px"/&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 78% of the total as of December 31, 2024 (this figure includes the spread risk). The relative weight of this risk has increased 8 percentage points compared with the close of 2023. Exchange-rate risk accounted for 11% of the total risk, maintaining its weight with respect to December 2023, while equity, volatility and correlation risk has decreased, with a weight of 3% and 8% respectively, which implies a reduction of their relative weights of 3 and 5 percentage points, respectively, with respect to 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022 the VaR was &#x20ac;34 million, &#x20ac;36 million and &#x20ac;29 million, respectively, with the following breakdown:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.940%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.230%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;VaR by Risk Factor (Millions of Euros) &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Interest/Spread risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Currency risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stock-market risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Vega/Correlation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Diversification effect &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR average in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR max in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR min in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;End of period VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR average in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR max in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR min in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;End of period VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR average in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR max in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR min in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;End of period VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) The maximum and minimum VaR figures show the VaR figures for the day on which said maximum and minimum VaRs occurred in the relevant year, by type of risk. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Validation of the internal market risk model&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 results of those entities 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Two types of backtesting have been carried out in 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;"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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;"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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Between January 1, 2024 and December 31, 2024, and for the year ended December 31, 2024, 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 neither in BBVA, S.A nor in BBVA Mexico.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;At the end of the year the comparison showed the internal VaR calculation model was working correctly, 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Stress testing analysis&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Historical scenarios&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Credit shock: reflected mainly in the increase of credit spreads and downgrades in credit ratings. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#1873b9;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Simulated scenarios&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 extreme market events within 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.163%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.149%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact of the stress test (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Venezuela&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Expected shortfall&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"&gt;Financial instruments offset&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 (&#x201c;ISDA&#x201d;) and, for the Spanish market, the Framework Agreement on Financial Transactions (&#x201c;CMOF&#x201d;). 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 (&#x201c;CSA&#x201d;) in ISDA and Appendix III in CMOF are included, thereby minimizing exposure to a potential default of the counterparty.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 (&#x201c;ICMA&#x201d;), to which the clauses related to the collateral exchange are usually added within the text of the master agreement itself. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A summary of the effect of offsetting (via netting and collateral) for derivatives and securities operations is presented below as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.562%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effect of offsetting for derivatives and securities operation (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross amounts not offset in the consolidated balance sheets &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross amounts recognized (A)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross amounts offset in the consolidated balance sheets (B)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount presented in the consolidated balance sheets (C=A-B)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial instruments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cash collateral received/ pledged&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,523&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,566&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;148&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase, securities borrowing and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;65,401&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;46,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,959&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;110,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;83,165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;73,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,566&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;194&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;458&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repurchase, securities lending and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87,893&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;131,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;104,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;95,943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;458&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,775&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,072&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase, securities borrowing and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,227&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,227&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79,980&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;124,869&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;116,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;105,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,320&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,536&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repurchase, securities lending and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;104,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;104,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;104,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;149,456&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;140,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;132,274&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;957&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase, securities borrowing and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,069&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;99,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;88,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;78,088&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;998&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51,767&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,195&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repurchase, securities lending and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;54,382&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;54,382&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,095&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;106,149&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,554&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;95,594&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;83,729&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,576&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,290&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) It corresponds to the aggregation of the net amounts presented in the balance sheet, less the gross amount which is not offset in the balance sheet, corresponding to each Group entity that records a deficit in this regard.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Financial assets and liabilities are offset, and consequently are presented in the consolidated balance sheet at their net value under the relevant captions (i.e., derivatives, repurchase agreements and reverse repurchase agreements), where the Group maintains netting agreements and there is an intention to settle their net amount. Regarding certain repurchase agreements and reverse repurchase agreements, since 2024, the Group fulfils both conditions. Where netting agreements do not exist, the market value of the relevant products is recorded in the balance of the repurchase agreements and reverse repurchase agreements captions.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"&gt;Liquidity and Funding risk&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Liquidity and Funding Strategy and Planning&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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;amp; Investment Banking) division.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Liquidity and Funding Risk Management aims to maintain a balance sheet structure which allows a sustainable business model. The Group&#x2019;s liquidity and funding strategy is based on the following pillars:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The principle of the funding self-sufficiency of its subsidiaries, meaning that each of the Liquidity Management Units (hereinafter "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&#x2019;s LMU.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Stable customer deposits as the main source of funding in all the LMU, in accordance with the Group&#x2019;s business model.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Diversification of the sources of wholesale funding, in terms of maturity, market, instruments, counterparties and currencies, with recurring access to the markets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Compliance with the internal Liquidity Risk and Funding metrics, while adhering to the Risk Appetite level established for each LMU at any time.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, the policy for managing liquidity and funding risk is also based on the model&#x2019;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Liquidity and funding planning is part of the strategic processes for the Group&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Governance, monitoring and mitigation measures&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group&#x2019;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 level above 100% as a mitigation measure.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In this context, the short-term resistance of the liquidity risk profile is promoted, seeking 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, including in the scenario of a significant downgrade of the Bank&#x2019;s rating by up to three notches.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The loan book, considering the types of assets and their degree of liquidity, as well as their validity as collateral in collateralized funding. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In practice, the execution of the principles of planning and self-funding at the different LMU results in the Group&#x2019;s main source of funding being customer deposits, which consist mainly of demand deposits, savings deposits and time deposits. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:13.78pt"&gt;Liquidity and funding performance &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA Group maintains a dynamic funding structure with a predominantly retail nature, where customer resources represent the main source of funding.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During 2024, liquidity conditions remained adequate in all the countries where the BBVA Group operates. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The performance of the indicators show that the funding structure remained steady during 2024, 2023 and 2022, in the sense that all LMU held self-funding levels with stable customer resources above the requirements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.345%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LtSCD by LMU&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Group (average)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;102 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;96 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;98 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;115 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;102 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;98 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;90 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;78 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other LMU&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;104 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;96 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With respect to LCR, the Group has maintained a liquidity buffer at both a consolidated and individual level in 2024. As a result, the ratio has remained above 100%, with the consolidated ratio as of December 31, 2024 standing at 134%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Although this requirement is only established at a Group level, for banks in the Eurozone, the minimum level required was exceeded in all subsidiaries. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;If the impact of these highly liquid assets was considered, the LCR would be 162%, or 28 basis points above the required level.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.420%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.394%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LCR main LMU&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Group &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;134 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;149 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;159 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;156 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;178 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;186 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;146 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;192 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;199 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;141 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;212 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;185 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Each entity maintains a 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In this respect, the Group has maintained for the last 12 months an average volume of high quality liquid assets (HQLA) amounting to &#x20ac;130,613 million, of which 97% correspond to maximum quality assets (LCR Level 1).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The table below shows the liquidity available by instrument as of December 31, 2024, 2023 and 2022 for the most significant entities based on prudential supervisor&#x2019;s information (Commission Implementing Regulations (EU) 2021/451 of December 17, 2020):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.242%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Liquidity available by instrument (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;BBVA Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Cash and withdrawable central bank reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43,931&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;48,271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,001&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,712&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,865&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,899&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,731&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,921&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,265&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Level 1 tradable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31,606&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,081&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,783&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,836&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Level 2A tradable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;194&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;919&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,450&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;246&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Level 2B tradable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,762&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,471&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other tradable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44,324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,708&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;598&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;469&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;816&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;398&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;926&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non tradable assets eligible for central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cumulated counterbalancing capacity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;116,706&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;123,696&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;110,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21,869&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;30,903&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;27,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17,562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,414&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17,806&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,136&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 127% as of December 31, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The NSFR of BBVA Group and its main LMU as of December 31, 2024, 2023 and 2022, was the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.439%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;NSFR main LMU&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Group &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;127 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;131 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;135 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;120 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;125 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;131 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;140 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;143 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;149 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;178 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;166 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Below is a matrix of residual maturities by contractual periods based on supervisory prudential reporting as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2024. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49,212&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,246&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;541&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;647&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;918&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,805&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in other financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;681&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,502&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Reverse repo, securities borrowing and margin lending&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,594&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,675&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,008&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;122&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;67,565&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;29,770&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,928&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,469&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;105,649&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;375,837&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Securities' portfolio settlement&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,861&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,741&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,084&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,531&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,922&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,625&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,053&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,972&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44,850&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;127,640&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2024. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,484&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,816&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,536&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,517&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;75,608&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,600&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,070&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;644&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;570&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;743&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,765&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from other financial institutions and international agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,466&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,584&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;922&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;742&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,581&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;318,252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50,789&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,329&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,055&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;787&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;416,841&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Security pledge funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;74,614&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,093&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,452&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,355&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,223&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,454&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;445&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;105,159&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives, net&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(388)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(142)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;142&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;549&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(122)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2023. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,353&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;61,678&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;72,031&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,676&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;393&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;594&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;136&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,672&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in other financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;649&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;965&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,882&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Reverse repo, securities borrowing and margin lending&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,398&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,596&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,817&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;86,382&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28,644&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;30,850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19,029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;104,086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;346,433&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Securities' portfolio settlement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,011&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,633&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,578&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,266&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;29,245&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;118,424&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2023. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,187&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,518&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,225&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,296&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;74,639&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,076&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;795&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,011&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from other financial institutions and international agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,507&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,806&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,036&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,033&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,535&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;304,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44,745&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,225&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,855&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,905&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;390,959&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Security pledge funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;86,908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;30,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,274&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;133,615&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;69&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(135)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,616)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,009)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,227&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;75,724&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,870&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;468&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,040&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in other financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,012&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;746&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;516&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;971&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;816&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;551&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;830&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,988&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Reverse repo, securities borrowing and margin lending&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,743&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,432&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,127&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;289&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,343&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;99&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,827&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,766&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,510&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43,828&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;96,201&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;327,534&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Securities' portfolio settlement&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,031&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,107&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,200&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,305&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,746&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,417&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,744&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,307&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31,480&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107,338&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,050&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,148&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,423&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,282&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;59,658&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,885&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;628&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;806&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;694&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;399&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,899&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from other financial institutions and international agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,392&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;464&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;379&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;594&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;727&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,532&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;302,667&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,776&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,575&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,870&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,276&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;798&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;273&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;376,203&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Security pledge funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,736&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,136&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;575&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;100,013&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives, net&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(253)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,010)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;175&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(153)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(466)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,717)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5,383)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With regard to the financing structure, the loan portfolio is mostly financed by retail deposits. The &#x201c;demand&#x201d; 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 receives a better treatment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The most relevant aspects related to the main geographical areas are the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:9.74pt"&gt;In Spain, BBVA, S.A. has maintained a position with a high-quality liquidity buffer, having repaid the entire TLTRO III program, maintaining at all times the regulatory liquidity metrics well above the set minimums. During 2024, commercial activity has shown dynamism, experiencing higher growth in lending than in customer deposits.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:115%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:9.18pt"&gt;BBVA Mexico showed an adequate liquidity situation, even though the credit gap increased in 2024 as a result of the strong dynamism of credit and contained growth in deposits as a result of management efforts to restrain the cost of funds.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:3.82pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:115%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:9.18pt"&gt;In Turkey, the credit gap in local currency grew in 2024, with loan growth outpacing deposits. Regarding the credit gap in foreign currency, an increase was also recorded in 2024, mainly originated by an increase in loans and a decrease in deposits. The liquidity buffer has been reduced, mainly due to the relevant reserve requirement for foreign currency deposits (which led to an increase in loans to the CBRT) and the mentioned increase in the credit gap. During 2024, the CBRT has continued updating its measures to de-dollarize the economy and control inflation.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:3.82pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:115%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:9.18pt"&gt;In South America, liquidity remained adequate throughout the region in 2024. In BBVA Argentina, the growth of excess liquidity in Argentine pesos slowed, due to the increase in loans in the last quarter of the year, which exceeded deposits, despite a strong increase in U.S. dollar deposits. In BBVA Colombia, the credit gap decreased in the year favored by the growth in deposits. BBVA Peru has shown a decrease in credit gap in 2024, with greater growth in deposits than in loans, both in local currency and in U.S. dollars.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:3.82pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;The main wholesale financing transactions carried out by the BBVA Group during 2024 are listed below:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Issuer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Type of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Date of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Nominal (millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Coupon&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Early redemption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Maturity date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="10" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jan-24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.875%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jan-34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Feb-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.875%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Nov-30 to Feb-31&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Feb-36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.381%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-29&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior non-preferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.033%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-35&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred (green bond)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.500%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-31&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:30pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3 month Euribor rate + 45 basis points&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-27&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.625%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-30&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AT1 (CoCo)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.875%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dec-30 to Jun-31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Perpetual&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Aug-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.375%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;May-31 to Aug-31&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Aug-36&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, BBVA, S.A. redeemed two capital issuances in 2024: in February 2024, a Tier 2 issuance of subordinated bonds issued in February 2019, for an amount of &#x20ac;750 million and, in March 2024, on its first date of optional redemption, an AT1 issued in 2019, for an amount of &#x20ac;1 billion (see Note 22.4.1). Likewise, in December 2024, a redemption of a Tier 2 issuance of subordinated bonds issued in January 2020, for an amount of &#x20ac;1 billion, was announced and it was effectively redeemed in January 2025. Furthermore, on January 14, 2025, BBVA, S.A. issued an AT1 for an amount of USD 1 billion, with an early redemption option after seven years. On January 28, 2025, BBVA announced its irrevocable decision to fully redeem on March 5, 2025, an AT1 issued in 2019 for USD 1 billion (see Note 22.4). In addition, on February 17, 2025 BBVA, S.A. announced a 12-year Tier 2 subordinated bond of &#x20ac;1 billion to be issued on February 25, with a call option in February 2032. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In January 2024, BBVA Mexico issued Tier 2 bonds for USD 900 million with a maturity of 15 years and an early repayment option in 10 years with a coupon of 8.125%. Additionally, in April 2024, BBVA Mexico issued bank stock certificates for 15 billion Mexican pesos in two tranches. In addition, in September 2024, BBVA Mexico carried out a debt issuance of USD 600 million for a term of five years and a fixed rate of 5.25%. Lastly, in October 2024, BBVA Mexico issued local bonds for the equivalent of 15.98 billion Mexican pesos in three tranches, one of them for USD 200 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In Turkey, Garanti BBVA issued two Tier 2 ten-year bonds in 2024, both with an early redemption option after five years. The first, in February 2024, amounted to USD 500 million, and the second, in December 2024, amounted to USD 750 million. Simultaneously with this second issuance, a tender offer was made for a Tier 2 bond maturing in 2027, which was accepted by bondholders for a total of USD 134 million, and in December 2024, it announced the full redemption of a 750 million Turkish lira Tier 2 bond that was completed in February 2025. Additionally, in June 2024, Garanti BBVA renewed the total syndicated loan based on environmental, social and governance (ESG) criteria, which consists of two separate tranches of USD 241 million (SOFR+2.50%) and &#x20ac;179 million (Euribor+2.25%), respectively. Finally, in December 2024, Garanti BBVA announced the signing of a syndicated loan of USD 244 million (SOFR+1.75%) and &#x20ac;162.4 million (Euribor+1.50%) with a maturity of 367 days.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Peru issued, in March 2024, Tier 2 bonds in the international market for USD 300 million, with a 6.20% coupon, a 10.25-year maturity and an early redemption option in the fifth year. Alongside this issuance, a repurchase offer was launched on a USD 300 million Tier 2 subordinated bond maturing in September 2029, with USD 163 million being repurchased; the remaining USD 137 million was redeemed through the execution of the associated call option in September 2024. In December 2024, it issued the first tranche of a USD100 million social bond for a term of 5 years at SOFR+1.35%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Colombia, together with the International Finance Corporation (IFC) and the Inter-American Development Bank (IDB) announced, in July 2024, the launch of a green biodiversity bond for an amount of USD 70 million and a term of three years. It also received a 5-year USD 50 million loan from CAF in the area of Biodiversity. Lastly, in November 2024, the first tranche of a USD 50 million subordinated bond (Tier 2) with IDB was disbursed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Argentina issued in September 2024 in the local market the equivalent of approximately &#x20ac;23 million in senior debt at a floating rate of Badlar (Buenos Aires Deposits of Large Amount Rate) +5%. In addition, in December 2024 it issued two senior debt issuances, one for approximately &#x20ac;14 million at a TEM (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;Tasa Efectiva Mensual Vencida&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;) rate of 2.75% and the other for approximately &#x20ac;35 million at a TAMAR (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;Tasa Mayorista de Argentina&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;) +2.74% rate.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%;padding-left:16pt"&gt;Asset encumbrance&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the encumbered (those provided as collateral for certain liabilities) and unencumbered assets are broken down as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.625%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.378%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Encumbered and unencumbered assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Encumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unencumbered assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Book value &lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Book value &lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;68,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;78,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;92,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;704,134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;696,972&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;619,177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;819&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;819&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,293&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43,404&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;102,333&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88,976&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;92,665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;102,333&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88,976&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;92,665&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances and other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26,535&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;58,563&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;584,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;594,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;515,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, to a lesser extent, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, 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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.556%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.916%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Collateral received (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value of encumbered collateral received or own debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value of collateral received or own debt securities issued not available for encumbrance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Collateral received&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;40,877&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;73,836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;40,701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,917&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,825&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,415&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,279&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;40,663&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;72,817&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;40,378&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,754&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,279&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances and other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Own debt securities issued other than own covered bonds or ABSs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;74&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, financial liabilities issued related to encumbered assets in financial transactions as well as their book value were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.076%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Sources of encumbrance (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Matching liabilities, contingent liabilities or securities lent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Assets, collateral received and own&lt;br/&gt;debt securities issued other than covered bonds and ABSs encumbered&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Book value of financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;109,833&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;151,766&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;122,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;107,067&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;149,853&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;128,628&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,047&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,895&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,698&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,756&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,699&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;84,604&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;126,777&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;95,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;81,938&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;126,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;99,077&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Outstanding subordinated debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,094&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,722&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,852&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other sources&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,141&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;731&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,079&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,989&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfRiskManagementTextBlock>
    <ifrs-full:LegalProceedingsProvision contextRef="c-13" decimals="-6" id="f-1981" unitRef="eur">791000000</ifrs-full:LegalProceedingsProvision>
    <bbva:PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock contextRef="c-1" id="f-1982">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Research forecasts a maximum of five years for the macroeconomic variables. The following forecasts (positive base and negative scenarios) of the GDP growth, unemployment rate and House Price Index (HPI), for the most relevant countries where they represent a significant factor, provided by BBVA Research, were used for the calculation of the ECL as of December 31, 2024:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Positive scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.97 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.01 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.79 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.78 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.97 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.89 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.02 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.17 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.38 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.27 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.65 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.64 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.89 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.82 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.80 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.05 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.69 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.81 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.81 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.96 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#111177;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.66) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.37 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.16 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.20 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.45 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.37 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.07 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.15 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.83 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.68 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.72 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.31 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.11 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.05 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.55 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.50 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.22 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.95 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The estimate for the next five years of the following rates, used in the measurement of the expected loss as of December 31, 2023, consistent with the latest estimates made public at that date, was:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.153%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.247%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Positive scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.84 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.61) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.62 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.31 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.12 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.32 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.89 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.79 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.82 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.68 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.07 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.33 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.86 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.81 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.14 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.68 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.22 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.14 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.95 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.01 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.156%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.33 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.82) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.05 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.06 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.63 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.99 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.22 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.93 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.27 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.03 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.72 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.32 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.35 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.28 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.90 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock>
    <bbva:GDP
      contextRef="c-255"
      decimals="4"
      id="f-1983"
      unitRef="number">0.0313</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-255"
      decimals="4"
      id="f-1984"
      unitRef="number">0.1097</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-255"
      decimals="4"
      id="f-1985"
      unitRef="number">0.0301</bbva:HPI>
    <bbva:GDP
      contextRef="c-256"
      decimals="4"
      id="f-1986"
      unitRef="number">0.0125</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-256"
      decimals="4"
      id="f-1987"
      unitRef="number">0.0275</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-256"
      decimals="4"
      id="f-1988"
      unitRef="number">0.0457</bbva:HPI>
    <bbva:GDP
      contextRef="c-257"
      decimals="4"
      id="f-1989"
      unitRef="number">0.0325</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-257"
      decimals="4"
      id="f-1990"
      unitRef="number">0.0879</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-258"
      decimals="4"
      id="f-1991"
      unitRef="number">0.0348</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-258"
      decimals="4"
      id="f-1992"
      unitRef="number">0.0878</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-258"
      decimals="4"
      id="f-1993"
      unitRef="number">0.0555</bbva:HPI>
    <bbva:GDP
      contextRef="c-259"
      decimals="4"
      id="f-1994"
      unitRef="number">0.0248</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-259"
      decimals="4"
      id="f-1995"
      unitRef="number">0.0304</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-259"
      decimals="4"
      id="f-1996"
      unitRef="number">0.0485</bbva:HPI>
    <bbva:GDP
      contextRef="c-260"
      decimals="4"
      id="f-1997"
      unitRef="number">0.0597</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-260"
      decimals="4"
      id="f-1998"
      unitRef="number">0.0989</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-261"
      decimals="4"
      id="f-1999"
      unitRef="number">0.0502</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-261"
      decimals="4"
      id="f-2000"
      unitRef="number">0.0817</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-261"
      decimals="4"
      id="f-2001"
      unitRef="number">0.0698</bbva:HPI>
    <bbva:GDP
      contextRef="c-262"
      decimals="4"
      id="f-2002"
      unitRef="number">0.0387</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-262"
      decimals="4"
      id="f-2003"
      unitRef="number">0.0303</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-262"
      decimals="4"
      id="f-2004"
      unitRef="number">0.0438</bbva:HPI>
    <bbva:GDP
      contextRef="c-263"
      decimals="4"
      id="f-2005"
      unitRef="number">0.0835</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-263"
      decimals="4"
      id="f-2006"
      unitRef="number">0.0927</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-264"
      decimals="4"
      id="f-2007"
      unitRef="number">0.0665</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-264"
      decimals="4"
      id="f-2008"
      unitRef="number">0.0764</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-264"
      decimals="4"
      id="f-2009"
      unitRef="number">0.0796</bbva:HPI>
    <bbva:GDP
      contextRef="c-265"
      decimals="4"
      id="f-2010"
      unitRef="number">0.0354</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-265"
      decimals="4"
      id="f-2011"
      unitRef="number">0.0289</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-265"
      decimals="4"
      id="f-2012"
      unitRef="number">0.0482</bbva:HPI>
    <bbva:GDP
      contextRef="c-266"
      decimals="4"
      id="f-2013"
      unitRef="number">0.0676</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-266"
      decimals="4"
      id="f-2014"
      unitRef="number">0.0880</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-267"
      decimals="4"
      id="f-2015"
      unitRef="number">0.0705</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-267"
      decimals="4"
      id="f-2016"
      unitRef="number">0.0721</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-267"
      decimals="4"
      id="f-2017"
      unitRef="number">0.0769</bbva:HPI>
    <bbva:GDP
      contextRef="c-268"
      decimals="4"
      id="f-2018"
      unitRef="number">0.0358</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-268"
      decimals="4"
      id="f-2019"
      unitRef="number">0.0277</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-268"
      decimals="4"
      id="f-2020"
      unitRef="number">0.0512</bbva:HPI>
    <bbva:GDP
      contextRef="c-269"
      decimals="4"
      id="f-2021"
      unitRef="number">0.0588</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-269"
      decimals="4"
      id="f-2022"
      unitRef="number">0.0881</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-270"
      decimals="4"
      id="f-2023"
      unitRef="number">0.0670</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-270"
      decimals="4"
      id="f-2024"
      unitRef="number">0.0696</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-270"
      decimals="4"
      id="f-2025"
      unitRef="number">0.0681</bbva:HPI>
    <bbva:GDP
      contextRef="c-271"
      decimals="4"
      id="f-2026"
      unitRef="number">0.0352</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-271"
      decimals="4"
      id="f-2027"
      unitRef="number">0.0273</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-271"
      decimals="4"
      id="f-2028"
      unitRef="number">0.0546</bbva:HPI>
    <bbva:GDP
      contextRef="c-272"
      decimals="4"
      id="f-2029"
      unitRef="number">0.0551</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-272"
      decimals="4"
      id="f-2030"
      unitRef="number">0.0896</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-273"
      decimals="4"
      id="f-2031"
      unitRef="number">0.0312</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-273"
      decimals="4"
      id="f-2032"
      unitRef="number">0.0659</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-274"
      decimals="4"
      id="f-2033"
      unitRef="number">-0.0366</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-274"
      decimals="4"
      id="f-2034"
      unitRef="number">0.1037</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-275"
      decimals="4"
      id="f-2035"
      unitRef="number">0.0216</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-275"
      decimals="4"
      id="f-2036"
      unitRef="number">0.1020</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-276"
      decimals="4"
      id="f-2037"
      unitRef="number">0.0345</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-276"
      decimals="4"
      id="f-2038"
      unitRef="number">0.0655</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-277"
      decimals="4"
      id="f-2039"
      unitRef="number">0.0737</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-277"
      decimals="4"
      id="f-2040"
      unitRef="number">0.0867</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-278"
      decimals="4"
      id="f-2041"
      unitRef="number">0.0409</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-278"
      decimals="4"
      id="f-2042"
      unitRef="number">0.1007</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-279"
      decimals="4"
      id="f-2043"
      unitRef="number">0.0415</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-279"
      decimals="4"
      id="f-2044"
      unitRef="number">0.0644</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-280"
      decimals="4"
      id="f-2045"
      unitRef="number">0.0883</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-280"
      decimals="4"
      id="f-2046"
      unitRef="number">0.0713</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-281"
      decimals="4"
      id="f-2047"
      unitRef="number">0.0468</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-281"
      decimals="4"
      id="f-2048"
      unitRef="number">0.0972</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-282"
      decimals="4"
      id="f-2049"
      unitRef="number">0.0412</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-282"
      decimals="4"
      id="f-2050"
      unitRef="number">0.0631</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-283"
      decimals="4"
      id="f-2051"
      unitRef="number">0.0854</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-283"
      decimals="4"
      id="f-2052"
      unitRef="number">0.0592</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-284"
      decimals="4"
      id="f-2053"
      unitRef="number">0.0423</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-284"
      decimals="4"
      id="f-2054"
      unitRef="number">0.0911</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-285"
      decimals="4"
      id="f-2055"
      unitRef="number">0.0370</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-285"
      decimals="4"
      id="f-2056"
      unitRef="number">0.0620</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-286"
      decimals="4"
      id="f-2057"
      unitRef="number">0.0860</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-286"
      decimals="4"
      id="f-2058"
      unitRef="number">0.0505</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-287"
      decimals="4"
      id="f-2059"
      unitRef="number">0.0421</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-287"
      decimals="4"
      id="f-2060"
      unitRef="number">0.0855</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-288"
      decimals="4"
      id="f-2061"
      unitRef="number">0.0357</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-288"
      decimals="4"
      id="f-2062"
      unitRef="number">0.0612</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-289"
      decimals="4"
      id="f-2063"
      unitRef="number">0.0844</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-289"
      decimals="4"
      id="f-2064"
      unitRef="number">0.0450</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-290"
      decimals="4"
      id="f-2065"
      unitRef="number">0.0422</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-290"
      decimals="4"
      id="f-2066"
      unitRef="number">0.0795</bbva:Unemployment>
    <bbva:BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock contextRef="c-1" id="f-2067">&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Base scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.80 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.29 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.32 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.46 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.69 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.64 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.73 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.86 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.17 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.58 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.61 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.08 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.36 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.52 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.01 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.51 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.046%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.10 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.76) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.38 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.20 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.49 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.34 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.19 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.26 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.81 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.45 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.96 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.36 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.86 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Base scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.36 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.93) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.82 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.63 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.80 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.92) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.91 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.27 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.90 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.50 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.28 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.94 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.85 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.53 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.74 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.14 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.79 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.05 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.63 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.69 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.74 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.15 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.83 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.07 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.20 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.667%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.943%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.36) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.01) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.28 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.11 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.82 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4.04) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.47 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.25 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.15 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.33 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.56 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.55 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.32 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.72 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.50 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.60 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.09 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock>
    <bbva:GDP
      contextRef="c-291"
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      id="f-2068"
      unitRef="number">0.0309</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-291"
      decimals="4"
      id="f-2069"
      unitRef="number">0.1143</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-291"
      decimals="4"
      id="f-2070"
      unitRef="number">0.0299</bbva:HPI>
    <bbva:GDP
      contextRef="c-292"
      decimals="4"
      id="f-2071"
      unitRef="number">0.0124</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-292"
      decimals="4"
      id="f-2072"
      unitRef="number">0.0275</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-292"
      decimals="4"
      id="f-2073"
      unitRef="number">0.0457</bbva:HPI>
    <bbva:GDP
      contextRef="c-293"
      decimals="4"
      id="f-2074"
      unitRef="number">0.0318</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-293"
      decimals="4"
      id="f-2075"
      unitRef="number">0.0880</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-294"
      decimals="4"
      id="f-2076"
      unitRef="number">0.0229</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-294"
      decimals="4"
      id="f-2077"
      unitRef="number">0.1075</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-294"
      decimals="4"
      id="f-2078"
      unitRef="number">0.0432</bbva:HPI>
    <bbva:GDP
      contextRef="c-295"
      decimals="4"
      id="f-2079"
      unitRef="number">0.0099</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-295"
      decimals="4"
      id="f-2080"
      unitRef="number">0.0313</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-295"
      decimals="4"
      id="f-2081"
      unitRef="number">0.0485</bbva:HPI>
    <bbva:GDP
      contextRef="c-296"
      decimals="4"
      id="f-2082"
      unitRef="number">0.0248</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-296"
      decimals="4"
      id="f-2083"
      unitRef="number">0.1046</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-297"
      decimals="4"
      id="f-2084"
      unitRef="number">0.0169</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-297"
      decimals="4"
      id="f-2085"
      unitRef="number">0.1035</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-297"
      decimals="4"
      id="f-2086"
      unitRef="number">0.0299</bbva:HPI>
    <bbva:GDP
      contextRef="c-298"
      decimals="4"
      id="f-2087"
      unitRef="number">0.0164</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-298"
      decimals="4"
      id="f-2088"
      unitRef="number">0.0325</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-298"
      decimals="4"
      id="f-2089"
      unitRef="number">0.0421</bbva:HPI>
    <bbva:GDP
      contextRef="c-299"
      decimals="4"
      id="f-2090"
      unitRef="number">0.0452</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-299"
      decimals="4"
      id="f-2091"
      unitRef="number">0.1073</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-300"
      decimals="4"
      id="f-2092"
      unitRef="number">0.0186</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-300"
      decimals="4"
      id="f-2093"
      unitRef="number">0.0995</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-300"
      decimals="4"
      id="f-2094"
      unitRef="number">0.0224</bbva:HPI>
    <bbva:GDP
      contextRef="c-301"
      decimals="4"
      id="f-2095"
      unitRef="number">0.0170</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-301"
      decimals="4"
      id="f-2096"
      unitRef="number">0.0317</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-301"
      decimals="4"
      id="f-2097"
      unitRef="number">0.0423</bbva:HPI>
    <bbva:GDP
      contextRef="c-302"
      decimals="4"
      id="f-2098"
      unitRef="number">0.0418</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-302"
      decimals="4"
      id="f-2099"
      unitRef="number">0.1058</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-303"
      decimals="4"
      id="f-2100"
      unitRef="number">0.0180</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-303"
      decimals="4"
      id="f-2101"
      unitRef="number">0.0955</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-303"
      decimals="4"
      id="f-2102"
      unitRef="number">0.0161</bbva:HPI>
    <bbva:GDP
      contextRef="c-304"
      decimals="4"
      id="f-2103"
      unitRef="number">0.0187</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-304"
      decimals="4"
      id="f-2104"
      unitRef="number">0.0308</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-304"
      decimals="4"
      id="f-2105"
      unitRef="number">0.0436</bbva:HPI>
    <bbva:GDP
      contextRef="c-305"
      decimals="4"
      id="f-2106"
      unitRef="number">0.0411</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-305"
      decimals="4"
      id="f-2107"
      unitRef="number">0.1052</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-306"
      decimals="4"
      id="f-2108"
      unitRef="number">0.0180</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-306"
      decimals="4"
      id="f-2109"
      unitRef="number">0.0925</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-306"
      decimals="4"
      id="f-2110"
      unitRef="number">0.0141</bbva:HPI>
    <bbva:GDP
      contextRef="c-307"
      decimals="4"
      id="f-2111"
      unitRef="number">0.0187</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-307"
      decimals="4"
      id="f-2112"
      unitRef="number">0.0304</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-307"
      decimals="4"
      id="f-2113"
      unitRef="number">0.0455</bbva:HPI>
    <bbva:GDP
      contextRef="c-308"
      decimals="4"
      id="f-2114"
      unitRef="number">0.0401</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-308"
      decimals="4"
      id="f-2115"
      unitRef="number">0.1051</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-309"
      decimals="4"
      id="f-2116"
      unitRef="number">0.0310</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-309"
      decimals="4"
      id="f-2117"
      unitRef="number">0.0659</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-310"
      decimals="4"
      id="f-2118"
      unitRef="number">-0.0376</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-310"
      decimals="4"
      id="f-2119"
      unitRef="number">0.1038</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-311"
      decimals="4"
      id="f-2120"
      unitRef="number">0.0196</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-311"
      decimals="4"
      id="f-2121"
      unitRef="number">0.1020</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-312"
      decimals="4"
      id="f-2122"
      unitRef="number">0.0267</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-312"
      decimals="4"
      id="f-2123"
      unitRef="number">0.0659</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-313"
      decimals="4"
      id="f-2124"
      unitRef="number">0.0548</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-313"
      decimals="4"
      id="f-2125"
      unitRef="number">0.0880</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-314"
      decimals="4"
      id="f-2126"
      unitRef="number">0.0249</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-314"
      decimals="4"
      id="f-2127"
      unitRef="number">0.1034</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-315"
      decimals="4"
      id="f-2128"
      unitRef="number">0.0270</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-315"
      decimals="4"
      id="f-2129"
      unitRef="number">0.0657</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-316"
      decimals="4"
      id="f-2130"
      unitRef="number">0.0447</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-316"
      decimals="4"
      id="f-2131"
      unitRef="number">0.0755</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-317"
      decimals="4"
      id="f-2132"
      unitRef="number">0.0319</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-317"
      decimals="4"
      id="f-2133"
      unitRef="number">0.1026</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-318"
      decimals="4"
      id="f-2134"
      unitRef="number">0.0275</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-318"
      decimals="4"
      id="f-2135"
      unitRef="number">0.0652</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-319"
      decimals="4"
      id="f-2136"
      unitRef="number">0.0348</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-319"
      decimals="4"
      id="f-2137"
      unitRef="number">0.0658</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-320"
      decimals="4"
      id="f-2138"
      unitRef="number">0.0292</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-320"
      decimals="4"
      id="f-2139"
      unitRef="number">0.0981</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-321"
      decimals="4"
      id="f-2140"
      unitRef="number">0.0245</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-321"
      decimals="4"
      id="f-2141"
      unitRef="number">0.0647</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-322"
      decimals="4"
      id="f-2142"
      unitRef="number">0.0354</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-322"
      decimals="4"
      id="f-2143"
      unitRef="number">0.0585</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-323"
      decimals="4"
      id="f-2144"
      unitRef="number">0.0296</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-323"
      decimals="4"
      id="f-2145"
      unitRef="number">0.0936</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-324"
      decimals="4"
      id="f-2146"
      unitRef="number">0.0241</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-324"
      decimals="4"
      id="f-2147"
      unitRef="number">0.0642</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-325"
      decimals="4"
      id="f-2148"
      unitRef="number">0.0348</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-325"
      decimals="4"
      id="f-2149"
      unitRef="number">0.0535</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-326"
      decimals="4"
      id="f-2150"
      unitRef="number">0.0299</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-326"
      decimals="4"
      id="f-2151"
      unitRef="number">0.0886</bbva:Unemployment>
    <bbva:NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock contextRef="c-1" id="f-2152">&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:bottom"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Negative scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="27" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.05 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.97 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.75 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.56 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.80 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.71 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.15 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.16) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.86 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.79 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.30) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.50 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.53) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.20) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.07 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.71 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.50) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.81) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.14 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.41 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.37 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.83 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.11) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.87) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.72 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.67 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.86) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.53 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.55) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.32 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.79 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.47 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.737%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.093%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.098%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3.93) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.38 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.21 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.56 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.02 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.30 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.68 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.60) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.10 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.93 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.04 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.63 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.90 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.79) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.35 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.16 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.81 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.93 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.53) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.36 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.49 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.41) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.09 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.153%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Negative scenario of GDP, unemployment rate and HPI for the main geographical areas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;HPI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.21 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.28) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.20 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.49 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.37 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.94 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.86 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13.23 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2.54) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.45 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.33) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.73 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.43 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.92 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.98 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.22 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.53 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.33 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.71 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.43 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.30 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.34 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.93 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.32 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.57 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.67 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.79 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.13 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.07 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.36 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.156%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unemployment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1.04) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.91 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4.16) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.49 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.87 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.15 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(0.60) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8.75) %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.46 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.15 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.51 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.73 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.02 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.04 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.84 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.88 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.77 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.54 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.03 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.59 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.72 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.71 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.82 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.17 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.24 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.90 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.66 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.08 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.29 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock>
    <bbva:GDP
      contextRef="c-327"
      decimals="4"
      id="f-2153"
      unitRef="number">0.0305</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-327"
      decimals="4"
      id="f-2154"
      unitRef="number">0.1188</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-327"
      decimals="4"
      id="f-2155"
      unitRef="number">0.0297</bbva:HPI>
    <bbva:GDP
      contextRef="c-328"
      decimals="4"
      id="f-2156"
      unitRef="number">0.0120</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-328"
      decimals="4"
      id="f-2157"
      unitRef="number">0.0275</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-328"
      decimals="4"
      id="f-2158"
      unitRef="number">0.0456</bbva:HPI>
    <bbva:GDP
      contextRef="c-329"
      decimals="4"
      id="f-2159"
      unitRef="number">0.0313</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-329"
      decimals="4"
      id="f-2160"
      unitRef="number">0.0880</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-330"
      decimals="4"
      id="f-2161"
      unitRef="number">0.0118</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-330"
      decimals="4"
      id="f-2162"
      unitRef="number">0.1271</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-330"
      decimals="4"
      id="f-2163"
      unitRef="number">0.0315</bbva:HPI>
    <bbva:GDP
      contextRef="c-331"
      decimals="4"
      id="f-2164"
      unitRef="number">-0.0016</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-331"
      decimals="4"
      id="f-2165"
      unitRef="number">0.0320</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-331"
      decimals="4"
      id="f-2166"
      unitRef="number">0.0486</bbva:HPI>
    <bbva:GDP
      contextRef="c-332"
      decimals="4"
      id="f-2167"
      unitRef="number">0.0041</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-332"
      decimals="4"
      id="f-2168"
      unitRef="number">0.1079</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-333"
      decimals="4"
      id="f-2169"
      unitRef="number">-0.0130</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-333"
      decimals="4"
      id="f-2170"
      unitRef="number">0.1250</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-333"
      decimals="4"
      id="f-2171"
      unitRef="number">-0.0053</bbva:HPI>
    <bbva:GDP
      contextRef="c-334"
      decimals="4"
      id="f-2172"
      unitRef="number">-0.0020</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-334"
      decimals="4"
      id="f-2173"
      unitRef="number">0.0343</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-334"
      decimals="4"
      id="f-2174"
      unitRef="number">0.0407</bbva:HPI>
    <bbva:GDP
      contextRef="c-335"
      decimals="4"
      id="f-2175"
      unitRef="number">0.0159</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-335"
      decimals="4"
      id="f-2176"
      unitRef="number">0.1171</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-336"
      decimals="4"
      id="f-2177"
      unitRef="number">-0.0250</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-336"
      decimals="4"
      id="f-2178"
      unitRef="number">0.1224</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-336"
      decimals="4"
      id="f-2179"
      unitRef="number">-0.0281</bbva:HPI>
    <bbva:GDP
      contextRef="c-337"
      decimals="4"
      id="f-2180"
      unitRef="number">0.0014</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-337"
      decimals="4"
      id="f-2181"
      unitRef="number">0.0341</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-337"
      decimals="4"
      id="f-2182"
      unitRef="number">0.0376</bbva:HPI>
    <bbva:GDP
      contextRef="c-338"
      decimals="4"
      id="f-2183"
      unitRef="number">0.0237</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-338"
      decimals="4"
      id="f-2184"
      unitRef="number">0.1183</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-339"
      decimals="4"
      id="f-2185"
      unitRef="number">-0.0311</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-339"
      decimals="4"
      id="f-2186"
      unitRef="number">0.1188</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-339"
      decimals="4"
      id="f-2187"
      unitRef="number">-0.0387</bbva:HPI>
    <bbva:GDP
      contextRef="c-340"
      decimals="4"
      id="f-2188"
      unitRef="number">0.0040</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-340"
      decimals="4"
      id="f-2189"
      unitRef="number">0.0334</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-340"
      decimals="4"
      id="f-2190"
      unitRef="number">0.0372</bbva:HPI>
    <bbva:GDP
      contextRef="c-341"
      decimals="4"
      id="f-2191"
      unitRef="number">0.0321</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-341"
      decimals="4"
      id="f-2192"
      unitRef="number">0.1167</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-342"
      decimals="4"
      id="f-2193"
      unitRef="number">-0.0286</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-342"
      decimals="4"
      id="f-2194"
      unitRef="number">0.1153</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-342"
      decimals="4"
      id="f-2195"
      unitRef="number">-0.0355</bbva:HPI>
    <bbva:GDP
      contextRef="c-343"
      decimals="4"
      id="f-2196"
      unitRef="number">0.0042</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-343"
      decimals="4"
      id="f-2197"
      unitRef="number">0.0332</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-343"
      decimals="4"
      id="f-2198"
      unitRef="number">0.0379</bbva:HPI>
    <bbva:GDP
      contextRef="c-344"
      decimals="4"
      id="f-2199"
      unitRef="number">0.0318</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-344"
      decimals="4"
      id="f-2200"
      unitRef="number">0.1147</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-345"
      decimals="4"
      id="f-2201"
      unitRef="number">0.0292</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-345"
      decimals="4"
      id="f-2202"
      unitRef="number">0.0660</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-346"
      decimals="4"
      id="f-2203"
      unitRef="number">-0.0393</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-346"
      decimals="4"
      id="f-2204"
      unitRef="number">0.1038</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-347"
      decimals="4"
      id="f-2205"
      unitRef="number">0.0177</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-347"
      decimals="4"
      id="f-2206"
      unitRef="number">0.1021</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-348"
      decimals="4"
      id="f-2207"
      unitRef="number">0.0056</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-348"
      decimals="4"
      id="f-2208"
      unitRef="number">0.0673</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-349"
      decimals="4"
      id="f-2209"
      unitRef="number">0.0246</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-349"
      decimals="4"
      id="f-2210"
      unitRef="number">0.0902</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-350"
      decimals="4"
      id="f-2211"
      unitRef="number">0.0030</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-350"
      decimals="4"
      id="f-2212"
      unitRef="number">0.1068</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-351"
      decimals="4"
      id="f-2213"
      unitRef="number">0.0043</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-351"
      decimals="4"
      id="f-2214"
      unitRef="number">0.0685</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-352"
      decimals="4"
      id="f-2215"
      unitRef="number">-0.0060</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-352"
      decimals="4"
      id="f-2216"
      unitRef="number">0.0810</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-353"
      decimals="4"
      id="f-2217"
      unitRef="number">0.0093</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-353"
      decimals="4"
      id="f-2218"
      unitRef="number">0.1104</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-354"
      decimals="4"
      id="f-2219"
      unitRef="number">0.0063</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-354"
      decimals="4"
      id="f-2220"
      unitRef="number">0.0690</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-355"
      decimals="4"
      id="f-2221"
      unitRef="number">-0.0179</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-355"
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      unitRef="number">0.0346</bbva:GDP>
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      contextRef="c-416"
      decimals="4"
      id="f-2368"
      unitRef="number">0.1120</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-417"
      decimals="4"
      id="f-2369"
      unitRef="number">-0.0036</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-417"
      decimals="4"
      id="f-2370"
      unitRef="number">0.0688</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-418"
      decimals="4"
      id="f-2371"
      unitRef="number">-0.0301</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-418"
      decimals="4"
      id="f-2372"
      unitRef="number">0.0828</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-419"
      decimals="4"
      id="f-2373"
      unitRef="number">0.0124</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-419"
      decimals="4"
      id="f-2374"
      unitRef="number">0.1011</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-420"
      decimals="4"
      id="f-2375"
      unitRef="number">0.0199</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-420"
      decimals="4"
      id="f-2376"
      unitRef="number">0.0682</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-421"
      decimals="4"
      id="f-2377"
      unitRef="number">-0.0404</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-421"
      decimals="4"
      id="f-2378"
      unitRef="number">0.1048</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-422"
      decimals="4"
      id="f-2379"
      unitRef="number">0.0147</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-422"
      decimals="4"
      id="f-2380"
      unitRef="number">0.1125</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-423"
      decimals="4"
      id="f-2381"
      unitRef="number">0.0348</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-423"
      decimals="4"
      id="f-2382"
      unitRef="number">0.0677</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-424"
      decimals="4"
      id="f-2383"
      unitRef="number">0.0595</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-424"
      decimals="4"
      id="f-2384"
      unitRef="number">0.1015</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-425"
      decimals="4"
      id="f-2385"
      unitRef="number">0.0233</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-425"
      decimals="4"
      id="f-2386"
      unitRef="number">0.1156</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-426"
      decimals="4"
      id="f-2387"
      unitRef="number">0.0288</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-426"
      decimals="4"
      id="f-2388"
      unitRef="number">0.0655</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-427"
      decimals="4"
      id="f-2389"
      unitRef="number">0.0303</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-427"
      decimals="4"
      id="f-2390"
      unitRef="number">0.0895</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-428"
      decimals="4"
      id="f-2391"
      unitRef="number">0.0303</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-428"
      decimals="4"
      id="f-2392"
      unitRef="number">0.1132</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-429"
      decimals="4"
      id="f-2393"
      unitRef="number">0.0272</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-429"
      decimals="4"
      id="f-2394"
      unitRef="number">0.0650</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-430"
      decimals="4"
      id="f-2395"
      unitRef="number">0.0198</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-430"
      decimals="4"
      id="f-2396"
      unitRef="number">0.0770</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-431"
      decimals="4"
      id="f-2397"
      unitRef="number">0.0324</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-431"
      decimals="4"
      id="f-2398"
      unitRef="number">0.1060</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-432"
      decimals="4"
      id="f-2399"
      unitRef="number">0.0251</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-432"
      decimals="4"
      id="f-2400"
      unitRef="number">0.0646</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-433"
      decimals="4"
      id="f-2401"
      unitRef="number">0.0200</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-433"
      decimals="4"
      id="f-2402"
      unitRef="number">0.0660</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-434"
      decimals="4"
      id="f-2403"
      unitRef="number">0.0342</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-434"
      decimals="4"
      id="f-2404"
      unitRef="number">0.1009</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-435"
      decimals="4"
      id="f-2405"
      unitRef="number">0.0221</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-435"
      decimals="4"
      id="f-2406"
      unitRef="number">0.1240</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-435"
      decimals="4"
      id="f-2407"
      unitRef="number">-0.0228</bbva:HPI>
    <bbva:GDP
      contextRef="c-436"
      decimals="4"
      id="f-2408"
      unitRef="number">0.0320</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-436"
      decimals="4"
      id="f-2409"
      unitRef="number">0.0285</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-436"
      decimals="4"
      id="f-2410"
      unitRef="number">0.0549</bbva:HPI>
    <bbva:GDP
      contextRef="c-437"
      decimals="4"
      id="f-2411"
      unitRef="number">0.0337</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-437"
      decimals="4"
      id="f-2412"
      unitRef="number">0.0994</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-438"
      decimals="4"
      id="f-2413"
      unitRef="number">0.0086</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-438"
      decimals="4"
      id="f-2414"
      unitRef="number">0.1323</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-438"
      decimals="4"
      id="f-2415"
      unitRef="number">-0.0254</bbva:HPI>
    <bbva:GDP
      contextRef="c-439"
      decimals="4"
      id="f-2416"
      unitRef="number">0.0204</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-439"
      decimals="4"
      id="f-2417"
      unitRef="number">0.0345</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-439"
      decimals="4"
      id="f-2418"
      unitRef="number">0.0473</bbva:HPI>
    <bbva:GDP
      contextRef="c-440"
      decimals="4"
      id="f-2419"
      unitRef="number">-0.0033</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-440"
      decimals="4"
      id="f-2420"
      unitRef="number">0.1173</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-441"
      decimals="4"
      id="f-2421"
      unitRef="number">0.0225</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-441"
      decimals="4"
      id="f-2422"
      unitRef="number">0.1277</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-441"
      decimals="4"
      id="f-2423"
      unitRef="number">0.0100</bbva:HPI>
    <bbva:GDP
      contextRef="c-442"
      decimals="4"
      id="f-2424"
      unitRef="number">0.0213</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-442"
      decimals="4"
      id="f-2425"
      unitRef="number">0.0343</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-442"
      decimals="4"
      id="f-2426"
      unitRef="number">0.0403</bbva:HPI>
    <bbva:GDP
      contextRef="c-443"
      decimals="4"
      id="f-2427"
      unitRef="number">0.0258</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-443"
      decimals="4"
      id="f-2428"
      unitRef="number">0.1192</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-444"
      decimals="4"
      id="f-2429"
      unitRef="number">0.0248</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-444"
      decimals="4"
      id="f-2430"
      unitRef="number">0.1198</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-444"
      decimals="4"
      id="f-2431"
      unitRef="number">0.0122</bbva:HPI>
    <bbva:GDP
      contextRef="c-445"
      decimals="4"
      id="f-2432"
      unitRef="number">0.0253</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-445"
      decimals="4"
      id="f-2433"
      unitRef="number">0.0333</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-445"
      decimals="4"
      id="f-2434"
      unitRef="number">0.0400</bbva:HPI>
    <bbva:GDP
      contextRef="c-446"
      decimals="4"
      id="f-2435"
      unitRef="number">0.0371</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-446"
      decimals="4"
      id="f-2436"
      unitRef="number">0.1143</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-447"
      decimals="4"
      id="f-2437"
      unitRef="number">0.0230</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-447"
      decimals="4"
      id="f-2438"
      unitRef="number">0.1134</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-447"
      decimals="4"
      id="f-2439"
      unitRef="number">0.0093</bbva:HPI>
    <bbva:GDP
      contextRef="c-448"
      decimals="4"
      id="f-2440"
      unitRef="number">0.0270</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-448"
      decimals="4"
      id="f-2441"
      unitRef="number">0.0325</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-448"
      decimals="4"
      id="f-2442"
      unitRef="number">0.0418</bbva:HPI>
    <bbva:GDP
      contextRef="c-449"
      decimals="4"
      id="f-2443"
      unitRef="number">0.0339</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-449"
      decimals="4"
      id="f-2444"
      unitRef="number">0.1132</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-450"
      decimals="4"
      id="f-2445"
      unitRef="number">0.0209</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-450"
      decimals="4"
      id="f-2446"
      unitRef="number">0.1057</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-450"
      decimals="4"
      id="f-2447"
      unitRef="number">0.0067</bbva:HPI>
    <bbva:GDP
      contextRef="c-451"
      decimals="4"
      id="f-2448"
      unitRef="number">0.0279</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-451"
      decimals="4"
      id="f-2449"
      unitRef="number">0.0313</bbva:Unemployment>
    <bbva:HPI
      contextRef="c-451"
      decimals="4"
      id="f-2450"
      unitRef="number">0.0507</bbva:HPI>
    <bbva:GDP
      contextRef="c-452"
      decimals="4"
      id="f-2451"
      unitRef="number">0.0339</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-452"
      decimals="4"
      id="f-2452"
      unitRef="number">0.1136</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-453"
      decimals="4"
      id="f-2453"
      unitRef="number">-0.0104</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-453"
      decimals="4"
      id="f-2454"
      unitRef="number">0.0691</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-454"
      decimals="4"
      id="f-2455"
      unitRef="number">-0.0416</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-454"
      decimals="4"
      id="f-2456"
      unitRef="number">0.0849</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-455"
      decimals="4"
      id="f-2457"
      unitRef="number">0.0087</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-455"
      decimals="4"
      id="f-2458"
      unitRef="number">0.1015</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-456"
      decimals="4"
      id="f-2459"
      unitRef="number">-0.0060</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-456"
      decimals="4"
      id="f-2460"
      unitRef="number">0.0703</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-457"
      decimals="4"
      id="f-2461"
      unitRef="number">-0.0875</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-457"
      decimals="4"
      id="f-2462"
      unitRef="number">0.1146</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-458"
      decimals="4"
      id="f-2463"
      unitRef="number">0.0015</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-458"
      decimals="4"
      id="f-2464"
      unitRef="number">0.1151</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-459"
      decimals="4"
      id="f-2465"
      unitRef="number">0.0273</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-459"
      decimals="4"
      id="f-2466"
      unitRef="number">0.0702</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-460"
      decimals="4"
      id="f-2467"
      unitRef="number">0.0477</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-460"
      decimals="4"
      id="f-2468"
      unitRef="number">0.1104</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-461"
      decimals="4"
      id="f-2469"
      unitRef="number">0.0203</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-461"
      decimals="4"
      id="f-2470"
      unitRef="number">0.1184</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-462"
      decimals="4"
      id="f-2471"
      unitRef="number">0.0288</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-462"
      decimals="4"
      id="f-2472"
      unitRef="number">0.0677</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-463"
      decimals="4"
      id="f-2473"
      unitRef="number">0.0292</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-463"
      decimals="4"
      id="f-2474"
      unitRef="number">0.0954</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-464"
      decimals="4"
      id="f-2475"
      unitRef="number">0.0303</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-464"
      decimals="4"
      id="f-2476"
      unitRef="number">0.1159</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-465"
      decimals="4"
      id="f-2477"
      unitRef="number">0.0272</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-465"
      decimals="4"
      id="f-2478"
      unitRef="number">0.0671</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-466"
      decimals="4"
      id="f-2479"
      unitRef="number">0.0182</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-466"
      decimals="4"
      id="f-2480"
      unitRef="number">0.0817</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-467"
      decimals="4"
      id="f-2481"
      unitRef="number">0.0324</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-467"
      decimals="4"
      id="f-2482"
      unitRef="number">0.1090</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-468"
      decimals="4"
      id="f-2483"
      unitRef="number">0.0251</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-468"
      decimals="4"
      id="f-2484"
      unitRef="number">0.0666</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-469"
      decimals="4"
      id="f-2485"
      unitRef="number">0.0185</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-469"
      decimals="4"
      id="f-2486"
      unitRef="number">0.0708</bbva:Unemployment>
    <bbva:GDP
      contextRef="c-470"
      decimals="4"
      id="f-2487"
      unitRef="number">0.0342</bbva:GDP>
    <bbva:Unemployment
      contextRef="c-470"
      decimals="4"
      id="f-2488"
      unitRef="number">0.1029</bbva:Unemployment>
    <bbva:ExpectedLossVariationAsOfDecemberTableTextBlock contextRef="c-1" id="f-2489">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.123%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.054%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Expected loss variation as of December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- 100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;74&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(170)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(145)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Housing price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- 100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.123%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.042%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.054%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Expected loss variation as of December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;GDP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total Portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Retail&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#160;- 100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;61&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #242424;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#160;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(165)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Housing price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#160;- 100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#160;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ExpectedLossVariationAsOfDecemberTableTextBlock>
    <bbva:GDP100Bp
      contextRef="c-471"
      decimals="4"
      id="f-2490"
      unitRef="number">0.0153</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-472"
      decimals="4"
      id="f-2491"
      unitRef="number">0.0135</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-473"
      decimals="4"
      id="f-2492"
      unitRef="number">0.0017</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-474"
      decimals="4"
      id="f-2493"
      unitRef="number">0.0001</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-475"
      decimals="4"
      id="f-2494"
      unitRef="number">0.0028</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-476"
      decimals="4"
      id="f-2495"
      unitRef="number">0.0008</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-477"
      decimals="4"
      id="f-2496"
      unitRef="number">0.0020</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-478"
      decimals="4"
      id="f-2497"
      unitRef="number">0.0074</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-479"
      decimals="4"
      id="f-2498"
      unitRef="number">0.0002</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-480"
      decimals="4"
      id="f-2499"
      unitRef="number">0.0072</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-481"
      decimals="4"
      id="f-2500"
      unitRef="number">0.0032</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-482"
      decimals="4"
      id="f-2501"
      unitRef="number">0.0005</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-483"
      decimals="4"
      id="f-2502"
      unitRef="number">0.0027</bbva:GDP100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-471"
      decimals="4"
      id="f-2503"
      unitRef="number">-0.0170</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-472"
      decimals="4"
      id="f-2504"
      unitRef="number">-0.0145</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-473"
      decimals="4"
      id="f-2505"
      unitRef="number">-0.0020</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-474"
      decimals="4"
      id="f-2506"
      unitRef="number">-0.0001</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-475"
      decimals="4"
      id="f-2507"
      unitRef="number">-0.0026</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-476"
      decimals="4"
      id="f-2508"
      unitRef="number">-0.0008</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-477"
      decimals="4"
      id="f-2509"
      unitRef="number">-0.0018</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-478"
      decimals="4"
      id="f-2510"
      unitRef="number">-0.0092</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-479"
      decimals="4"
      id="f-2511"
      unitRef="number">-0.0003</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-480"
      decimals="4"
      id="f-2512"
      unitRef="number">-0.0089</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-481"
      decimals="4"
      id="f-2513"
      unitRef="number">-0.0033</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-482"
      decimals="4"
      id="f-2514"
      unitRef="number">-0.0009</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-483"
      decimals="4"
      id="f-2515"
      unitRef="number">-0.0021</bbva:GDPOver100Bp>
    <bbva:HousingPrice100Bp
      contextRef="c-477"
      decimals="4"
      id="f-2516"
      unitRef="number">0.0028</bbva:HousingPrice100Bp>
    <bbva:HousingPriceOver100Bp
      contextRef="c-477"
      decimals="4"
      id="f-2517"
      unitRef="number">-0.0027</bbva:HousingPriceOver100Bp>
    <bbva:GDP100Bp
      contextRef="c-484"
      decimals="4"
      id="f-2518"
      unitRef="number">0.0222</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-485"
      decimals="4"
      id="f-2519"
      unitRef="number">0.0188</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-486"
      decimals="4"
      id="f-2520"
      unitRef="number">0.0028</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-487"
      decimals="4"
      id="f-2521"
      unitRef="number">0.0002</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-488"
      decimals="4"
      id="f-2522"
      unitRef="number">0.0061</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-489"
      decimals="4"
      id="f-2523"
      unitRef="number">0.0014</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-490"
      decimals="4"
      id="f-2524"
      unitRef="number">0.0047</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-491"
      decimals="4"
      id="f-2525"
      unitRef="number">0.0094</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-492"
      decimals="4"
      id="f-2526"
      unitRef="number">0.0002</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-493"
      decimals="4"
      id="f-2527"
      unitRef="number">0.0092</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-494"
      decimals="4"
      id="f-2528"
      unitRef="number">0.0022</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-495"
      decimals="4"
      id="f-2529"
      unitRef="number">0.0009</bbva:GDP100Bp>
    <bbva:GDP100Bp
      contextRef="c-496"
      decimals="4"
      id="f-2530"
      unitRef="number">0.0011</bbva:GDP100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-484"
      decimals="4"
      id="f-2531"
      unitRef="number">-0.0191</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-485"
      decimals="4"
      id="f-2532"
      unitRef="number">-0.0165</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-486"
      decimals="4"
      id="f-2533"
      unitRef="number">-0.0023</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-487"
      decimals="4"
      id="f-2534"
      unitRef="number">-0.0002</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-488"
      decimals="4"
      id="f-2535"
      unitRef="number">-0.0058</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-489"
      decimals="4"
      id="f-2536"
      unitRef="number">-0.0013</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-490"
      decimals="4"
      id="f-2537"
      unitRef="number">-0.0045</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-491"
      decimals="4"
      id="f-2538"
      unitRef="number">-0.0089</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-492"
      decimals="4"
      id="f-2539"
      unitRef="number">-0.0002</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-493"
      decimals="4"
      id="f-2540"
      unitRef="number">-0.0087</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-494"
      decimals="4"
      id="f-2541"
      unitRef="number">-0.0021</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-495"
      decimals="4"
      id="f-2542"
      unitRef="number">-0.0009</bbva:GDPOver100Bp>
    <bbva:GDPOver100Bp
      contextRef="c-496"
      decimals="4"
      id="f-2543"
      unitRef="number">-0.0011</bbva:GDPOver100Bp>
    <bbva:HousingPrice100Bp
      contextRef="c-490"
      decimals="4"
      id="f-2544"
      unitRef="number">0.0032</bbva:HousingPrice100Bp>
    <bbva:HousingPriceOver100Bp
      contextRef="c-490"
      decimals="4"
      id="f-2545"
      unitRef="number">-0.0032</bbva:HousingPriceOver100Bp>
    <bbva:MaximumCreditRiskExposureTableTextBlock contextRef="c-1" id="f-2546">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Group&#x2019;s credit risk exposure by headings in the consolidated balance sheets as of December 31, 2024, 2023 and 2022 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 category of financial instruments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Maximum credit risk exposure (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;72,945&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27,955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;10,546&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;358&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Derivatives (trading and hedging) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;53,229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;59,115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;57,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;55,315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;514,086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;467,910&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,930&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,246&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;59,070&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;58,887&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;149&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,668&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;424,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;378,104&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,211&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total financial assets risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;710,757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total loan commitments and financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;262,233&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;253,291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;791&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;188,515&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;182,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;798&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;192&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;48,948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,828&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;439&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total maximum credit exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;972,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maximum credit risk exposure (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December&lt;br/&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;106,749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28,569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;73,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;484&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Derivatives (trading and hedging) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;48,747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;62,289&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;61,047&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;60,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;463,130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;410,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;38,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,478&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49,544&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49,403&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,498&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,478&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;388,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;336,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;37,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,444&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total financial assets risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;690,606&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total loan commitments and financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;214,283&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;204,842&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,411&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,030&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;152,868&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;147,376&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,326&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,839&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,612&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;998&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;229&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39,854&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;636&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total maximum credit exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;904,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Maximum credit risk exposure (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;70,763&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,404&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,993&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Derivatives (trading and hedging) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;53,101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;65,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;64,273&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;63,425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;425,803&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;378,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33,873&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13,523&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36,730&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,997&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;69&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;368,588&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;321,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total financial assets risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;622,965&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total loan commitments and financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;192,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;181,427&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,993&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,147&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;136,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;130,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,283&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,015&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;281&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39,137&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;689&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total maximum credit exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;815,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:MaximumCreditRiskExposureTableTextBlock>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-497" decimals="-6" id="f-2547" unitRef="eur">72945000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-498" decimals="-6" id="f-2548" unitRef="eur">6760000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-499" decimals="-6" id="f-2549" unitRef="eur">27955000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-500" decimals="-6" id="f-2550" unitRef="eur">38230000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-501" decimals="-6" id="f-2551" unitRef="eur">10546000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-502" decimals="-6" id="f-2552" unitRef="eur">9782000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-503" decimals="-6" id="f-2553" unitRef="eur">407000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-504" decimals="-6" id="f-2554" unitRef="eur">358000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-505" decimals="-6" id="f-2555" unitRef="eur">836000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-506" decimals="-6" id="f-2556" unitRef="eur">53229000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-507" decimals="-6" id="f-2557" unitRef="eur">59115000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-508" decimals="-6" id="f-2558" unitRef="eur">1451000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-509" decimals="-6" id="f-2559" unitRef="eur">57639000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-510" decimals="-6" id="f-2560" unitRef="eur">55315000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-511" decimals="-6" id="f-2561" unitRef="eur">2309000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-512" decimals="-6" id="f-2562" unitRef="eur">16000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-513" decimals="-6" id="f-2563" unitRef="eur">25000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-514" decimals="-6" id="f-2564" unitRef="eur">25000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-515" decimals="-6" id="f-2565" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-516" decimals="-6" id="f-2566" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-517" decimals="-6" id="f-2567" unitRef="eur">514086000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-518" decimals="-6" id="f-2568" unitRef="eur">467910000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-519" decimals="-6" id="f-2569" unitRef="eur">31930000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-520" decimals="-6" id="f-2570" unitRef="eur">14246000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-521" decimals="-6" id="f-2571" unitRef="eur">59070000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-522" decimals="-6" id="f-2572" unitRef="eur">58887000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-523" decimals="-6" id="f-2573" unitRef="eur">149000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-524" decimals="-6" id="f-2574" unitRef="eur">34000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-525" decimals="-6" id="f-2575" unitRef="eur">8261000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-526" decimals="-6" id="f-2576" unitRef="eur">8261000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-527" decimals="-6" id="f-2577" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-528" decimals="-6" id="f-2578" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-529" decimals="-6" id="f-2579" unitRef="eur">22668000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-530" decimals="-6" id="f-2580" unitRef="eur">22658000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-531" decimals="-6" id="f-2581" unitRef="eur">8000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-532" decimals="-6" id="f-2582" unitRef="eur">2000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-533" decimals="-6" id="f-2583" unitRef="eur">424087000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-534" decimals="-6" id="f-2584" unitRef="eur">378104000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-535" decimals="-6" id="f-2585" unitRef="eur">31772000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-536" decimals="-6" id="f-2586" unitRef="eur">14211000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-537" decimals="-6" id="f-2587" unitRef="eur">710757000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-538" decimals="-6" id="f-2588" unitRef="eur">262233000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-539" decimals="-6" id="f-2589" unitRef="eur">253291000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-540" decimals="-6" id="f-2590" unitRef="eur">8150000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-541" decimals="-6" id="f-2591" unitRef="eur">791000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-542" decimals="-6" id="f-2592" unitRef="eur">188515000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-543" decimals="-6" id="f-2593" unitRef="eur">182830000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-544" decimals="-6" id="f-2594" unitRef="eur">5524000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-545" decimals="-6" id="f-2595" unitRef="eur">160000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-546" decimals="-6" id="f-2596" unitRef="eur">22503000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-547" decimals="-6" id="f-2597" unitRef="eur">21513000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-548" decimals="-6" id="f-2598" unitRef="eur">798000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-549" decimals="-6" id="f-2599" unitRef="eur">192000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-550" decimals="-6" id="f-2600" unitRef="eur">51215000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-551" decimals="-6" id="f-2601" unitRef="eur">48948000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-552" decimals="-6" id="f-2602" unitRef="eur">1828000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-553" decimals="-6" id="f-2603" unitRef="eur">439000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-17" decimals="-6" id="f-2604" unitRef="eur">972990000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-554" decimals="-6" id="f-2605" unitRef="eur">106749000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-555" decimals="-6" id="f-2606" unitRef="eur">4589000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-556" decimals="-6" id="f-2607" unitRef="eur">28569000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-557" decimals="-6" id="f-2608" unitRef="eur">73590000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-558" decimals="-6" id="f-2609" unitRef="eur">8737000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-559" decimals="-6" id="f-2610" unitRef="eur">7963000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-560" decimals="-6" id="f-2611" unitRef="eur">484000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-561" decimals="-6" id="f-2612" unitRef="eur">290000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-562" decimals="-6" id="f-2613" unitRef="eur">955000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-563" decimals="-6" id="f-2614" unitRef="eur">48747000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-564" decimals="-6" id="f-2615" unitRef="eur">62289000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-565" decimals="-6" id="f-2616" unitRef="eur">1217000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-566" decimals="-6" id="f-2617" unitRef="eur">61047000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-567" decimals="-6" id="f-2618" unitRef="eur">60255000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-568" decimals="-6" id="f-2619" unitRef="eur">771000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-569" decimals="-6" id="f-2620" unitRef="eur">21000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-570" decimals="-6" id="f-2621" unitRef="eur">26000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-571" decimals="-6" id="f-2622" unitRef="eur">26000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-572" decimals="-6" id="f-2623" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-573" decimals="-6" id="f-2624" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-574" decimals="-6" id="f-2625" unitRef="eur">463130000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-575" decimals="-6" id="f-2626" unitRef="eur">410590000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-576" decimals="-6" id="f-2627" unitRef="eur">38061000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-577" decimals="-6" id="f-2628" unitRef="eur">14478000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-578" decimals="-6" id="f-2629" unitRef="eur">49544000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-579" decimals="-6" id="f-2630" unitRef="eur">49403000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-580" decimals="-6" id="f-2631" unitRef="eur">108000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-581" decimals="-6" id="f-2632" unitRef="eur">32000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-582" decimals="-6" id="f-2633" unitRef="eur">7176000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-583" decimals="-6" id="f-2634" unitRef="eur">7176000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-584" decimals="-6" id="f-2635" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-585" decimals="-6" id="f-2636" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-586" decimals="-6" id="f-2637" unitRef="eur">17498000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-587" decimals="-6" id="f-2638" unitRef="eur">17478000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-588" decimals="-6" id="f-2639" unitRef="eur">18000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-589" decimals="-6" id="f-2640" unitRef="eur">2000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-590" decimals="-6" id="f-2641" unitRef="eur">388912000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-591" decimals="-6" id="f-2642" unitRef="eur">336533000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-592" decimals="-6" id="f-2643" unitRef="eur">37935000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-593" decimals="-6" id="f-2644" unitRef="eur">14444000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-594" decimals="-6" id="f-2645" unitRef="eur">690606000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-595" decimals="-6" id="f-2646" unitRef="eur">214283000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-596" decimals="-6" id="f-2647" unitRef="eur">204842000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-597" decimals="-6" id="f-2648" unitRef="eur">8411000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-598" decimals="-6" id="f-2649" unitRef="eur">1030000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-599" decimals="-6" id="f-2650" unitRef="eur">152868000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-600" decimals="-6" id="f-2651" unitRef="eur">147376000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-601" decimals="-6" id="f-2652" unitRef="eur">5326000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-602" decimals="-6" id="f-2653" unitRef="eur">165000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-603" decimals="-6" id="f-2654" unitRef="eur">18839000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-604" decimals="-6" id="f-2655" unitRef="eur">17612000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-605" decimals="-6" id="f-2656" unitRef="eur">998000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-606" decimals="-6" id="f-2657" unitRef="eur">229000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-607" decimals="-6" id="f-2658" unitRef="eur">42577000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-608" decimals="-6" id="f-2659" unitRef="eur">39854000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-609" decimals="-6" id="f-2660" unitRef="eur">2087000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-610" decimals="-6" id="f-2661" unitRef="eur">636000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-18" decimals="-6" id="f-2662" unitRef="eur">904889000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-611" decimals="-6" id="f-2663" unitRef="eur">70763000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-612" decimals="-6" id="f-2664" unitRef="eur">4404000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-613" decimals="-6" id="f-2665" unitRef="eur">24367000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-614" decimals="-6" id="f-2666" unitRef="eur">41993000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-615" decimals="-6" id="f-2667" unitRef="eur">6888000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-616" decimals="-6" id="f-2668" unitRef="eur">6511000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-617" decimals="-6" id="f-2669" unitRef="eur">129000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-618" decimals="-6" id="f-2670" unitRef="eur">247000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-619" decimals="-6" id="f-2671" unitRef="eur">913000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-620" decimals="-6" id="f-2672" unitRef="eur">53101000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-621" decimals="-6" id="f-2673" unitRef="eur">65497000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-622" decimals="-6" id="f-2674" unitRef="eur">1198000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-623" decimals="-6" id="f-2675" unitRef="eur">64273000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-624" decimals="-6" id="f-2676" unitRef="eur">63425000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-625" decimals="-6" id="f-2677" unitRef="eur">822000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-626" decimals="-6" id="f-2678" unitRef="eur">26000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-627" decimals="-6" id="f-2679" unitRef="eur">26000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-628" decimals="-6" id="f-2680" unitRef="eur">26000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-629" decimals="-6" id="f-2681" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-630" decimals="-6" id="f-2682" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-631" decimals="-6" id="f-2683" unitRef="eur">425803000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-632" decimals="-6" id="f-2684" unitRef="eur">378407000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-633" decimals="-6" id="f-2685" unitRef="eur">33873000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-634" decimals="-6" id="f-2686" unitRef="eur">13523000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-635" decimals="-6" id="f-2687" unitRef="eur">36730000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-636" decimals="-6" id="f-2688" unitRef="eur">36463000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-637" decimals="-6" id="f-2689" unitRef="eur">237000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-638" decimals="-6" id="f-2690" unitRef="eur">30000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-639" decimals="-6" id="f-2691" unitRef="eur">4420000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-640" decimals="-6" id="f-2692" unitRef="eur">4420000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-641" decimals="-6" id="f-2693" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-642" decimals="-6" id="f-2694" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-643" decimals="-6" id="f-2695" unitRef="eur">16066000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-644" decimals="-6" id="f-2696" unitRef="eur">15997000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-645" decimals="-6" id="f-2697" unitRef="eur">69000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-646" decimals="-6" id="f-2698" unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-647" decimals="-6" id="f-2699" unitRef="eur">368588000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-648" decimals="-6" id="f-2700" unitRef="eur">321528000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-649" decimals="-6" id="f-2701" unitRef="eur">33568000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-650" decimals="-6" id="f-2702" unitRef="eur">13493000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-651" decimals="-6" id="f-2703" unitRef="eur">622965000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-652" decimals="-6" id="f-2704" unitRef="eur">192568000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-653" decimals="-6" id="f-2705" unitRef="eur">181427000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-654" decimals="-6" id="f-2706" unitRef="eur">9993000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-655" decimals="-6" id="f-2707" unitRef="eur">1147000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-656" decimals="-6" id="f-2708" unitRef="eur">136920000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-657" decimals="-6" id="f-2709" unitRef="eur">130459000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-658" decimals="-6" id="f-2710" unitRef="eur">6283000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-659" decimals="-6" id="f-2711" unitRef="eur">177000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-660" decimals="-6" id="f-2712" unitRef="eur">16511000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-661" decimals="-6" id="f-2713" unitRef="eur">15214000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-662" decimals="-6" id="f-2714" unitRef="eur">1015000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-663" decimals="-6" id="f-2715" unitRef="eur">281000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-664" decimals="-6" id="f-2716" unitRef="eur">39137000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-665" decimals="-6" id="f-2717" unitRef="eur">35753000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-666" decimals="-6" id="f-2718" unitRef="eur">2695000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-667" decimals="-6" id="f-2719" unitRef="eur">689000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-19" decimals="-6" id="f-2720" unitRef="eur">815533000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock contextRef="c-1" id="f-2721">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by geographical area and stage 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, 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spain &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;232,185&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;208,969&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,637&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,684)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(543)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(631)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,510)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;227,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;208,426&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,069&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;91,717&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;83,053&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,517&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,055)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,210)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(542)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,303)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88,662&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;81,843&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50,083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,708&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,784)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(243)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(390)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,151)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;48,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;690&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;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"&gt; (3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;48,897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,079)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(393)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(283)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,403)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,811&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,148&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;860&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Others &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;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"&gt; (4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;424,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;378,104&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,611)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,389)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(1,847)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,374)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;412,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;375,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;29,925&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,837&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: individual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,532)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,197)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: collective&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10,079)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,376)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,526)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(6,177)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Spain includes all countries where BBVA, S.A. operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Turkey includes all countries in which Garanti BBVA operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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, 2024, the remaining balance was &#x20ac;107 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spain &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;183,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,593)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(503)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(714)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,375)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;209,929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;183,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,690&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;91,086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;81,619&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,995&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,472&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,049)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,097)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(620)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,332)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88,037&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;80,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,140&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39,058&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,234&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,719&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,641)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(167)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(314)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,160)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;37,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,938&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;559&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;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"&gt; (3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,738&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,976)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(319)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(377)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,280)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35,918&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;896&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,094&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,069&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,085&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,068&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;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"&gt; (4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;388,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;336,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;37,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,444&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,269)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,087)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,026)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,156)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;377,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;334,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;35,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,287&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: individual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,665)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(471)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,179)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: collective&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(9,604)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,072)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,555)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(5,977)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Spain includes all countries where BBVA, S.A. operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Turkey includes all countries in which Garanti BBVA operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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, 2023 the remaining balance was &#x20ac;142 million). These valuation adjustments are recognized in the consolidated income statement during the residual life of the relevant instruments or value corrections are made when the losses materialize.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.793%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spain &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;186,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19,621&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,468&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,860)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(518)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(759)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,583)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;209,206&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;186,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,885&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;73,729&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66,448&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,342&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,939&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,496)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(955)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(475)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,066)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;71,233&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;65,494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;873&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Turkey &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39,547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,755&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,436&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,105)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(224)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(358)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,523)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;37,443&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;833&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;South America &#x207d;&#x2074;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;40,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,721&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,768)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(318)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(345)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,105)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;615&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,047&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total &#x207d;&#x2075;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;368,588&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;321,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,237)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,014)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(1,938)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,284)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;357,351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;319,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,208&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: individual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,164)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(604)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,539)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: collective&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(9,073)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,994)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,334)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(5,745)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Spain includes all countries where BBVA, S.A. operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Turkey includes all countries in which Garanti BBVA operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(4)  In South America, BBVA Group operates mainly in Argentina, Colombia, Peru and Uruguay.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(5) 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 &#x20ac;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.&lt;/span&gt;&lt;/div&gt;</bbva:MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock>
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    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-669" decimals="-6" id="f-2724" unitRef="eur">15637000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-670" decimals="-6" id="f-2725" unitRef="eur">7579000000</ifrs-full:MaximumExposureToCreditRisk>
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    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-669" decimals="-6" id="f-2728" unitRef="eur">-631000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-670" decimals="-6" id="f-2729" unitRef="eur">-3510000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-14" decimals="-6" id="f-2730" unitRef="eur">227501000000</ifrs-full:LoansAndAdvancesToCustomers>
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    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-669" decimals="-6" id="f-2732" unitRef="eur">15006000000</ifrs-full:LoansAndAdvancesToCustomers>
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    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-15" decimals="-6" id="f-2734" unitRef="eur">91717000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-671" decimals="-6" id="f-2735" unitRef="eur">83053000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-672" decimals="-6" id="f-2736" unitRef="eur">6147000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-673" decimals="-6" id="f-2737" unitRef="eur">2517000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-15" decimals="-6" id="f-2738" unitRef="eur">-3055000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-671" decimals="-6" id="f-2739" unitRef="eur">-1210000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-672" decimals="-6" id="f-2740" unitRef="eur">-542000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-673" decimals="-6" id="f-2741" unitRef="eur">-1303000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-15" decimals="-6" id="f-2742" unitRef="eur">88662000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-671" decimals="-6" id="f-2743" unitRef="eur">81843000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-672" decimals="-6" id="f-2744" unitRef="eur">5605000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-673" decimals="-6" id="f-2745" unitRef="eur">1214000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-16" decimals="-6" id="f-2746" unitRef="eur">50083000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-674" decimals="-6" id="f-2747" unitRef="eur">42708000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-675" decimals="-6" id="f-2748" unitRef="eur">5534000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-676" decimals="-6" id="f-2749" unitRef="eur">1841000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-16" decimals="-6" id="f-2750" unitRef="eur">-1784000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-674" decimals="-6" id="f-2751" unitRef="eur">-243000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-675" decimals="-6" id="f-2752" unitRef="eur">-390000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-676" decimals="-6" id="f-2753" unitRef="eur">-1151000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-16" decimals="-6" id="f-2754" unitRef="eur">48299000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-674" decimals="-6" id="f-2755" unitRef="eur">42465000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-675" decimals="-6" id="f-2756" unitRef="eur">5144000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-676" decimals="-6" id="f-2757" unitRef="eur">690000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-677" decimals="-6" id="f-2758" unitRef="eur">48897000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-678" decimals="-6" id="f-2759" unitRef="eur">42204000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-679" decimals="-6" id="f-2760" unitRef="eur">4431000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-680" decimals="-6" id="f-2761" unitRef="eur">2262000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-677" decimals="-6" id="f-2762" unitRef="eur">-2079000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-678" decimals="-6" id="f-2763" unitRef="eur">-393000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-679" decimals="-6" id="f-2764" unitRef="eur">-283000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-680" decimals="-6" id="f-2765" unitRef="eur">-1403000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-677" decimals="-6" id="f-2766" unitRef="eur">46818000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-678" decimals="-6" id="f-2767" unitRef="eur">41811000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-679" decimals="-6" id="f-2768" unitRef="eur">4148000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-680" decimals="-6" id="f-2769" unitRef="eur">860000000</ifrs-full:LoansAndAdvancesToCustomers>
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    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-682" decimals="-6" id="f-2771" unitRef="eur">1170000000</ifrs-full:MaximumExposureToCreditRisk>
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    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-681" decimals="-6" id="f-2774" unitRef="eur">-9000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-682" decimals="-6" id="f-2775" unitRef="eur">0</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-683" decimals="-6" id="f-2776" unitRef="eur">-1000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-684" decimals="-6" id="f-2777" unitRef="eur">-7000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-681" decimals="-6" id="f-2778" unitRef="eur">1197000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-682" decimals="-6" id="f-2779" unitRef="eur">1170000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-683" decimals="-6" id="f-2780" unitRef="eur">22000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-684" decimals="-6" id="f-2781" unitRef="eur">4000000</ifrs-full:LoansAndAdvancesToCustomers>
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    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-688" decimals="-6" id="f-2785" unitRef="eur">14211000000</ifrs-full:FinancialAssetsAtAmortisedCost>
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    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-686" decimals="-6" id="f-2787" unitRef="eur">-2389000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-687" decimals="-6" id="f-2788" unitRef="eur">-1847000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
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    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-690" decimals="-6" id="f-2794" unitRef="eur">-1532000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-691" decimals="-6" id="f-2795" unitRef="eur">-13000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-692" decimals="-6" id="f-2796" unitRef="eur">-321000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
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    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-694" decimals="-6" id="f-2798" unitRef="eur">-10079000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
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    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-697" decimals="-6" id="f-2801" unitRef="eur">-6177000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
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    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-700" decimals="-6" id="f-2804" unitRef="eur">22953000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-701" decimals="-6" id="f-2805" unitRef="eur">8066000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-698" decimals="-6" id="f-2806" unitRef="eur">4593000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-699" decimals="-6" id="f-2807" unitRef="eur">503000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-700" decimals="-6" id="f-2808" unitRef="eur">714000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-701" decimals="-6" id="f-2809" unitRef="eur">3375000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-698" decimals="-6" id="f-2810" unitRef="eur">209929000000</ifrs-full:LoansAndAdvancesToCustomers>
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    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-752" decimals="-6" id="f-2944" unitRef="eur">33568000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-753" decimals="-6" id="f-2945" unitRef="eur">13493000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-750" decimals="-6" id="f-2946" unitRef="eur">11237000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-751" decimals="-6" id="f-2947" unitRef="eur">2014000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-752" decimals="-6" id="f-2948" unitRef="eur">1938000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-753" decimals="-6" id="f-2949" unitRef="eur">7284000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-750" decimals="-6" id="f-2950" unitRef="eur">357351000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-751" decimals="-6" id="f-2951" unitRef="eur">319513000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-752" decimals="-6" id="f-2952" unitRef="eur">31629000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-753" decimals="-6" id="f-2953" unitRef="eur">6208000000</ifrs-full:LoansAndAdvancesToCustomers>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-754" decimals="-6" id="f-2954" unitRef="eur">2164000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-755" decimals="-6" id="f-2955" unitRef="eur">21000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-756" decimals="-6" id="f-2956" unitRef="eur">604000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-757" decimals="-6" id="f-2957" unitRef="eur">1539000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-758" decimals="-6" id="f-2958" unitRef="eur">9073000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-759" decimals="-6" id="f-2959" unitRef="eur">1994000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-760" decimals="-6" id="f-2960" unitRef="eur">1334000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-761" decimals="-6" id="f-2961" unitRef="eur">5745000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock contextRef="c-1" id="f-2962">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Public administrations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,982&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,040&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;471&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;197,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;179,727&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,134)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(639)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(636)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,859)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;193,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;179,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,143&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,156&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;186,910&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;159,355&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7,427)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,729)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,199)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,499)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;179,483&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;157,627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,659&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;424,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;378,104&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,611)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,389)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(1,847)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,374)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;412,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;375,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;29,925&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,837&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Public administrations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,294&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;164&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;152&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.9pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,072&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;187&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,062&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;175,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;154,519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,274)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(517)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(795)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,962)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;171,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;154,002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,558&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;177,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;145,837&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,286&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,886&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(6,946)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,552)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,214)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4,180)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;170,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;144,285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,071&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,706&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;388,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;336,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;37,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,444&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,269)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,087)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,026)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,156)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;377,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;334,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;35,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,287&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.782%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accumulated allowances&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Public administrations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,922&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,574&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,548&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,765&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;170,929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;149,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5,495)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(675)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(991)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,829)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;165,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;148,826&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,511&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;163,936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;138,896&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,941&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5,675)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,316)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(925)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,434)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;158,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;137,580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,663&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;368,588&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;321,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(11,237)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(2,014)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(1,938)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(7,284)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;357,351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;319,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,208&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-762" decimals="-6" id="f-2963" unitRef="eur">22133000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-763" decimals="-6" id="f-2964" unitRef="eur">21982000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-764" decimals="-6" id="f-2965" unitRef="eur">125000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-765" decimals="-6" id="f-2966" unitRef="eur">26000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-762" decimals="-6" id="f-2967" unitRef="eur">23000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-763" decimals="-6" id="f-2968" unitRef="eur">8000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-764" decimals="-6" id="f-2969" unitRef="eur">7000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-765" decimals="-6" id="f-2970" unitRef="eur">8000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-762" decimals="-6" id="f-2971" unitRef="eur">22111000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-763" decimals="-6" id="f-2972" unitRef="eur">21974000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-764" decimals="-6" id="f-2973" unitRef="eur">118000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-765" decimals="-6" id="f-2974" unitRef="eur">18000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-766" decimals="-6" id="f-2975" unitRef="eur">17524000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-767" decimals="-6" id="f-2976" unitRef="eur">17040000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-768" decimals="-6" id="f-2977" unitRef="eur">471000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-769" decimals="-6" id="f-2978" unitRef="eur">12000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-766" decimals="-6" id="f-2979" unitRef="eur">26000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-767" decimals="-6" id="f-2980" unitRef="eur">13000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-768" decimals="-6" id="f-2981" unitRef="eur">5000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-769" decimals="-6" id="f-2982" unitRef="eur">9000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-766" decimals="-6" id="f-2983" unitRef="eur">17497000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-767" decimals="-6" id="f-2984" unitRef="eur">17027000000</ifrs-full:LoansAndAdvancesToCustomers>
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    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-812" decimals="-6" id="f-3117" unitRef="eur">14096000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-813" decimals="-6" id="f-3118" unitRef="eur">2511000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-814" decimals="-6" id="f-3119" unitRef="eur">163936000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-815" decimals="-6" id="f-3120" unitRef="eur">138896000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-816" decimals="-6" id="f-3121" unitRef="eur">17941000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-817" decimals="-6" id="f-3122" unitRef="eur">7098000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-814" decimals="-6" id="f-3123" unitRef="eur">5675000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-815" decimals="-6" id="f-3124" unitRef="eur">1316000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-816" decimals="-6" id="f-3125" unitRef="eur">925000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-817" decimals="-6" id="f-3126" unitRef="eur">3434000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-814" decimals="-6" id="f-3127" unitRef="eur">158261000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-815" decimals="-6" id="f-3128" unitRef="eur">137580000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-816" decimals="-6" id="f-3129" unitRef="eur">17017000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-817" decimals="-6" id="f-3130" unitRef="eur">3663000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-818" decimals="-6" id="f-3131" unitRef="eur">368588000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-819" decimals="-6" id="f-3132" unitRef="eur">321528000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-820" decimals="-6" id="f-3133" unitRef="eur">33568000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-821" decimals="-6" id="f-3134" unitRef="eur">13493000000</ifrs-full:MaximumExposureToCreditRisk>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-818" decimals="-6" id="f-3135" unitRef="eur">11237000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-819" decimals="-6" id="f-3136" unitRef="eur">2014000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-820" decimals="-6" id="f-3137" unitRef="eur">1938000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets contextRef="c-821" decimals="-6" id="f-3138" unitRef="eur">7284000000</bbva:AcccumulatedAllowanceAccountForCreditLossesOfFinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-818" decimals="-6" id="f-3139" unitRef="eur">357351000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-819" decimals="-6" id="f-3140" unitRef="eur">319513000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-820" decimals="-6" id="f-3141" unitRef="eur">31629000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-821" decimals="-6" id="f-3142" unitRef="eur">6208000000</ifrs-full:LoansAndAdvancesToCustomers>
    <bbva:LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock contextRef="c-1" id="f-3143">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by type of counterparty and product, net of loss allowances, and the gross carrying amount by type of counterparty as of December 31, 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;On demand and short notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2,099&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,521&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit card debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;25,449&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;27,721&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;29,669&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commercial debtors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,077&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,244&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;29,247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;31,764&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;32,023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,672&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;270&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;10,125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;10,364&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Reverse repurchase loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;219&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,422&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,803&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;20,519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,529&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;11,771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;148,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;151,313&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;347,102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;356,002&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Advances that are not loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;452&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,960&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,084&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;353&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,330&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,397&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;8,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;22,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;22,719&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;17,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;193,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;179,610&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;443,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;455,399&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By secured loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: mortgage loans collateralized by immovable property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;245&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;680&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;29,307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;97,627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;127,860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;130,633&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: other collateralized loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,628&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;29,861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;30,129&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By purpose of the loan&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: credit for consumption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;67,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;67,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;72,447&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: lending for house purchase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;98,570&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;98,570&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;100,218&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By subordination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: project finance loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,901&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;On demand and short notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,933&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,040&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,175&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit card debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;20,959&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;22,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;24,454&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commercial debtors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;960&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;23,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;25,171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;25,346&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;225&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8,940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,714&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Reverse repurchase loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,786&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,223&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,234&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;21,662&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,329&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;9,300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;134,024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;147,491&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;322,683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;331,813&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Advances that are not loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;412&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6,312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;956&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,164&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;7,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;23,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;17,502&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;13,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;171,241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;170,175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;402,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;413,901&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By secured loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: mortgage loans collateralized by immovable property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;24,829&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;96,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;122,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;125,328&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: other collateralized loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,933&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,938&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,430&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;26,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;26,963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By purpose of the loan&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: credit for consumption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;59,892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;59,892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;64,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: lending for house purchase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;97,555&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;97,555&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;99,224&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By subordination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: project finance loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,743&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;On demand and short notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2,810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;933&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,266&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit card debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2,029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;16,865&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;18,898&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;19,985&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commercial debtors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;24,510&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;26,011&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;26,254&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8,040&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;322&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;8,857&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Reverse repurchase loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,655&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5,674&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;19,438&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;7,995&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;126,949&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;139,925&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;302,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;311,553&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Advances that are not loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;296&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6,772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;3,930&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;12,758&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;4,401&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;20,892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;16,057&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;12,765&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;165,593&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;158,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;378,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;389,347&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By secured loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: mortgage loans collateralized by immovable property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;297&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;95,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;119,659&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;122,719&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: other collateralized loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;498&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,382&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,073&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;548&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,635&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,209&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,675&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By purpose of the loan&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: credit for consumption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;51,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;51,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;54,718&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: lending for house purchase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;95,249&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;95,249&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;96,716&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;By subordination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: project finance loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;8,530&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-822" decimals="-6" id="f-3144" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-823" decimals="-6" id="f-3145" unitRef="eur">8000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-824" decimals="-6" id="f-3146" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-825" decimals="-6" id="f-3147" unitRef="eur">59000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-826" decimals="-6" id="f-3148" unitRef="eur">3140000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-827" decimals="-6" id="f-3149" unitRef="eur">2099000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-828" decimals="-6" id="f-3150" unitRef="eur">5307000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-829" decimals="-6" id="f-3151" unitRef="eur">5521000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-830" decimals="-6" id="f-3152" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-831" decimals="-6" id="f-3153" unitRef="eur">1000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
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    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-968" decimals="-6" id="f-3290" unitRef="eur">171241000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-969" decimals="-6" id="f-3291" unitRef="eur">170175000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-970" decimals="-6" id="f-3292" unitRef="eur">402586000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-971" decimals="-6" id="f-3293" unitRef="eur">413901000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-972" decimals="-6" id="f-3294" unitRef="eur">271000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-973" decimals="-6" id="f-3295" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-974" decimals="-6" id="f-3296" unitRef="eur">526000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-975" decimals="-6" id="f-3297" unitRef="eur">24829000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-976" decimals="-6" id="f-3298" unitRef="eur">96772000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-977" decimals="-6" id="f-3299" unitRef="eur">122397000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-978" decimals="-6" id="f-3300" unitRef="eur">125328000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-979" decimals="-6" id="f-3301" unitRef="eur">1347000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-980" decimals="-6" id="f-3302" unitRef="eur">6933000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-981" decimals="-6" id="f-3303" unitRef="eur">4558000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-982" decimals="-6" id="f-3304" unitRef="eur">465000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-983" decimals="-6" id="f-3305" unitRef="eur">10938000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-984" decimals="-6" id="f-3306" unitRef="eur">2430000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-985" decimals="-6" id="f-3307" unitRef="eur">26671000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-986" decimals="-6" id="f-3308" unitRef="eur">26963000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-987" decimals="-6" id="f-3309" unitRef="eur">59892000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-988" decimals="-6" id="f-3310" unitRef="eur">59892000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-989" decimals="-6" id="f-3311" unitRef="eur">64303000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-990" decimals="-6" id="f-3312" unitRef="eur">97555000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-991" decimals="-6" id="f-3313" unitRef="eur">97555000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-992" decimals="-6" id="f-3314" unitRef="eur">99224000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-993" decimals="-6" id="f-3315" unitRef="eur">7181000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-994" decimals="-6" id="f-3316" unitRef="eur">7181000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-995" decimals="-6" id="f-3317" unitRef="eur">7743000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-996" decimals="-6" id="f-3318" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-997" decimals="-6" id="f-3319" unitRef="eur">6000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-998" decimals="-6" id="f-3320" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-999" decimals="-6" id="f-3321" unitRef="eur">352000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1000" decimals="-6" id="f-3322" unitRef="eur">2810000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1001" decimals="-6" id="f-3323" unitRef="eur">933000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1002" decimals="-6" id="f-3324" unitRef="eur">4101000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1003" decimals="-6" id="f-3325" unitRef="eur">4266000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1004" decimals="-6" id="f-3326" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1005" decimals="-6" id="f-3327" unitRef="eur">1000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1006" decimals="-6" id="f-3328" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1007" decimals="-6" id="f-3329" unitRef="eur">3000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1008" decimals="-6" id="f-3330" unitRef="eur">2029000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1009" decimals="-6" id="f-3331" unitRef="eur">16865000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1010" decimals="-6" id="f-3332" unitRef="eur">18898000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1011" decimals="-6" id="f-3333" unitRef="eur">19985000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1012" decimals="-6" id="f-3334" unitRef="eur">1021000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1013" decimals="-6" id="f-3335" unitRef="eur">24000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1014" decimals="-6" id="f-3336" unitRef="eur">370000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1015" decimals="-6" id="f-3337" unitRef="eur">24510000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1016" decimals="-6" id="f-3338" unitRef="eur">85000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1017" decimals="-6" id="f-3339" unitRef="eur">26011000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1018" decimals="-6" id="f-3340" unitRef="eur">26254000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1019" decimals="-6" id="f-3341" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1020" decimals="-6" id="f-3342" unitRef="eur">195000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1021" decimals="-6" id="f-3343" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1022" decimals="-6" id="f-3344" unitRef="eur">13000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1023" decimals="-6" id="f-3345" unitRef="eur">8040000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1024" decimals="-6" id="f-3346" unitRef="eur">322000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1025" decimals="-6" id="f-3347" unitRef="eur">8571000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1026" decimals="-6" id="f-3348" unitRef="eur">8857000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1027" decimals="-6" id="f-3349" unitRef="eur">302000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1028" decimals="-6" id="f-3350" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1029" decimals="-6" id="f-3351" unitRef="eur">5251000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1030" decimals="-6" id="f-3352" unitRef="eur">102000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1031" decimals="-6" id="f-3353" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1032" decimals="-6" id="f-3354" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1033" decimals="-6" id="f-3355" unitRef="eur">5655000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1034" decimals="-6" id="f-3356" unitRef="eur">5674000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1035" decimals="-6" id="f-3357" unitRef="eur">3802000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1036" decimals="-6" id="f-3358" unitRef="eur">19438000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1037" decimals="-6" id="f-3359" unitRef="eur">4009000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1038" decimals="-6" id="f-3360" unitRef="eur">7995000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1039" decimals="-6" id="f-3361" unitRef="eur">126949000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1040" decimals="-6" id="f-3362" unitRef="eur">139925000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1041" decimals="-6" id="f-3363" unitRef="eur">302118000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1042" decimals="-6" id="f-3364" unitRef="eur">311553000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1043" decimals="-6" id="f-3365" unitRef="eur">296000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1044" decimals="-6" id="f-3366" unitRef="eur">232000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1045" decimals="-6" id="f-3367" unitRef="eur">6772000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1046" decimals="-6" id="f-3368" unitRef="eur">3930000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1047" decimals="-6" id="f-3369" unitRef="eur">1256000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1048" decimals="-6" id="f-3370" unitRef="eur">217000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1049" decimals="-6" id="f-3371" unitRef="eur">12702000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1050" decimals="-6" id="f-3372" unitRef="eur">12758000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1051" decimals="-6" id="f-3373" unitRef="eur">4401000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1052" decimals="-6" id="f-3374" unitRef="eur">20892000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1053" decimals="-6" id="f-3375" unitRef="eur">16057000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1054" decimals="-6" id="f-3376" unitRef="eur">12765000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1055" decimals="-6" id="f-3377" unitRef="eur">165593000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1056" decimals="-6" id="f-3378" unitRef="eur">158348000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1057" decimals="-6" id="f-3379" unitRef="eur">378056000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1058" decimals="-6" id="f-3380" unitRef="eur">389347000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1059" decimals="-6" id="f-3381" unitRef="eur">297000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1060" decimals="-6" id="f-3382" unitRef="eur">0</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1061" decimals="-6" id="f-3383" unitRef="eur">337000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1062" decimals="-6" id="f-3384" unitRef="eur">23970000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1063" decimals="-6" id="f-3385" unitRef="eur">95056000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1064" decimals="-6" id="f-3386" unitRef="eur">119659000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1065" decimals="-6" id="f-3387" unitRef="eur">122719000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1066" decimals="-6" id="f-3388" unitRef="eur">498000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1067" decimals="-6" id="f-3389" unitRef="eur">5382000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1068" decimals="-6" id="f-3390" unitRef="eur">5073000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1069" decimals="-6" id="f-3391" unitRef="eur">548000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1070" decimals="-6" id="f-3392" unitRef="eur">6635000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1071" decimals="-6" id="f-3393" unitRef="eur">2209000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1072" decimals="-6" id="f-3394" unitRef="eur">20345000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1073" decimals="-6" id="f-3395" unitRef="eur">20675000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1074" decimals="-6" id="f-3396" unitRef="eur">51344000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1075" decimals="-6" id="f-3397" unitRef="eur">51344000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1076" decimals="-6" id="f-3398" unitRef="eur">54718000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1077" decimals="-6" id="f-3399" unitRef="eur">95249000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1078" decimals="-6" id="f-3400" unitRef="eur">95249000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1079" decimals="-6" id="f-3401" unitRef="eur">96716000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1080" decimals="-6" id="f-3402" unitRef="eur">7942000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1081" decimals="-6" id="f-3403" unitRef="eur">7942000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:LoansAndAdvancesByCounterpartyAndProduct contextRef="c-1082" decimals="-6" id="f-3404" unitRef="eur">8530000000</bbva:LoansAndAdvancesByCounterpartyAndProduct>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock contextRef="c-1" id="f-3405">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The disclosure of impaired loans and advances at amortized cost covered by collateral (see Note 7.2.5), shown by type of collateral, as of December 31, 2024, 2023 and 2022, is the following: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.431%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.739%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.596%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impaired loans and advances at amortized cost covered by collateral (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maximum exposure to credit risk&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Of which secured by collateral&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Residential properties&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commercial properties&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Cash&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;573&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,153&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,226&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,537&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;849&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;984&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1083" decimals="-6" id="f-3406" unitRef="eur">14213000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1084" decimals="-6" id="f-3407" unitRef="eur">2889000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1085" decimals="-6" id="f-3408" unitRef="eur">573000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1086" decimals="-6" id="f-3409" unitRef="eur">8000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1087" decimals="-6" id="f-3410" unitRef="eur">91000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1088" decimals="-6" id="f-3411" unitRef="eur">1153000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1089" decimals="-6" id="f-3412" unitRef="eur">14446000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1090" decimals="-6" id="f-3413" unitRef="eur">3167000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1091" decimals="-6" id="f-3414" unitRef="eur">771000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1092" decimals="-6" id="f-3415" unitRef="eur">5000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1093" decimals="-6" id="f-3416" unitRef="eur">91000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1094" decimals="-6" id="f-3417" unitRef="eur">1226000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1095" decimals="-6" id="f-3418" unitRef="eur">13493000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1096" decimals="-6" id="f-3419" unitRef="eur">2537000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1097" decimals="-6" id="f-3420" unitRef="eur">849000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1098" decimals="-6" id="f-3421" unitRef="eur">3000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1099" decimals="-6" id="f-3422" unitRef="eur">52000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1100" decimals="-6" id="f-3423" unitRef="eur">984000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:GuaranteesReceivedTableTextBlock contextRef="c-1" id="f-3424">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The value of guarantees received as of December 31, 2024, 2023 and 2022, is the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.137%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.155%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Guarantees received (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Value of collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;144,844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;136,141&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;125,963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: guarantees normal risks under special monitoring&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14,274&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,826&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: guarantees non-performing risks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,440&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Value of other guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;56,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;53,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;40,050&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: guarantees normal risks under special monitoring&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,273&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,864&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #D3D3D3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: guarantees non-performing risks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;984&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total value of guarantees received&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;201,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;189,602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;166,013&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:GuaranteesReceivedTableTextBlock>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1101" decimals="-6" id="f-3425" unitRef="eur">144844000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1102" decimals="-6" id="f-3426" unitRef="eur">136141000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1103" decimals="-6" id="f-3427" unitRef="eur">125963000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1104" decimals="-6" id="f-3428" unitRef="eur">11318000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1105" decimals="-6" id="f-3429" unitRef="eur">14274000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1106" decimals="-6" id="f-3430" unitRef="eur">12826000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1107" decimals="-6" id="f-3431" unitRef="eur">3562000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1108" decimals="-6" id="f-3432" unitRef="eur">4035000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1109" decimals="-6" id="f-3433" unitRef="eur">3440000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1110" decimals="-6" id="f-3434" unitRef="eur">56589000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1111" decimals="-6" id="f-3435" unitRef="eur">53462000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1112" decimals="-6" id="f-3436" unitRef="eur">40050000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1113" decimals="-6" id="f-3437" unitRef="eur">4273000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1114" decimals="-6" id="f-3438" unitRef="eur">4864000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1115" decimals="-6" id="f-3439" unitRef="eur">4963000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1116" decimals="-6" id="f-3440" unitRef="eur">1153000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1117" decimals="-6" id="f-3441" unitRef="eur">1226000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-1118" decimals="-6" id="f-3442" unitRef="eur">984000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-13" decimals="-6" id="f-3443" unitRef="eur">201433000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-20" decimals="-6" id="f-3444" unitRef="eur">189602000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ImpairedFinancialAssetsAtAmortisedCost contextRef="c-21" decimals="-6" id="f-3445" unitRef="eur">166013000000</bbva:ImpairedFinancialAssetsAtAmortisedCost>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock contextRef="c-1" id="f-3446">&lt;div style="margin-bottom:2pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The table below outlines the distribution of the gross carrying amount of loans and advances to customers, contingent risk and commitments, in percentage terms, of the BBVA Group, based on their probability of default within 12 months and internal rating &#160;&#160;&#160;&#160;used in the calculation of the expected loss under IFRS 9, and their stages, as of December 31, 2024, 2023 and 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Probability of default (basis points) and internal rating&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to 12 month ECL (stage 1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to lifetime ECL (stage 2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to 12 month ECL (stage 1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to lifetime ECL (stage 2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to 12 month ECL (stage 1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subject to lifetime ECL (stage 2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Internal rating&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PDs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 to 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AA+ to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2 to 5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;A+ to A-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5 to 11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBB+ to BBB-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11 to 39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BB+ to BB-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39 to 194&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;B+ to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;194 to 1,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;CCC+ to CCC-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,061 to 2,121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;CC+ to C&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&amp;gt; 2,121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;94.5&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5.5&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;92.4&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.6&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;92.3&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.7&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Data corresponding to the year 2022, does not include commitments nor contingent liabilities.&lt;/span&gt;&lt;/div&gt;</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1119"
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      id="f-3447"
      unitRef="number">0.032</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1120"
      decimals="3"
      id="f-3448"
      unitRef="number">0</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1121"
      decimals="3"
      id="f-3449"
      unitRef="number">0.038</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1122"
      decimals="3"
      id="f-3450"
      unitRef="number">0</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1123"
      decimals="3"
      id="f-3451"
      unitRef="number">0.055</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1124"
      decimals="3"
      id="f-3452"
      unitRef="number">0.001</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1125"
      decimals="3"
      id="f-3453"
      unitRef="number">0.090</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1126"
      decimals="3"
      id="f-3454"
      unitRef="number">0</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1127"
      decimals="3"
      id="f-3455"
      unitRef="number">0.107</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1128"
      decimals="3"
      id="f-3456"
      unitRef="number">0.002</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1129"
      decimals="3"
      id="f-3457"
      unitRef="number">0.194</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1130"
      decimals="3"
      id="f-3458"
      unitRef="number">0.003</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1131"
      decimals="3"
      id="f-3459"
      unitRef="number">0.171</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1132"
      decimals="3"
      id="f-3460"
      unitRef="number">0</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1133"
      decimals="3"
      id="f-3461"
      unitRef="number">0.254</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1134"
      decimals="3"
      id="f-3462"
      unitRef="number">0.005</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1135"
      decimals="3"
      id="f-3463"
      unitRef="number">0.199</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1136"
      decimals="3"
      id="f-3464"
      unitRef="number">0.007</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1137"
      decimals="3"
      id="f-3465"
      unitRef="number">0.297</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1138"
      decimals="3"
      id="f-3466"
      unitRef="number">0.006</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1139"
      decimals="3"
      id="f-3467"
      unitRef="number">0.217</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1140"
      decimals="3"
      id="f-3468"
      unitRef="number">0.013</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1141"
      decimals="3"
      id="f-3469"
      unitRef="number">0.187</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1142"
      decimals="3"
      id="f-3470"
      unitRef="number">0.008</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1143"
      decimals="3"
      id="f-3471"
      unitRef="number">0.235</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1144"
      decimals="3"
      id="f-3472"
      unitRef="number">0.017</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1145"
      decimals="3"
      id="f-3473"
      unitRef="number">0.206</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1146"
      decimals="3"
      id="f-3474"
      unitRef="number">0.021</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1147"
      decimals="3"
      id="f-3475"
      unitRef="number">0.184</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1148"
      decimals="3"
      id="f-3476"
      unitRef="number">0.019</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1149"
      decimals="3"
      id="f-3477"
      unitRef="number">0.102</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1150"
      decimals="3"
      id="f-3478"
      unitRef="number">0.016</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1151"
      decimals="3"
      id="f-3479"
      unitRef="number">0.087</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1152"
      decimals="3"
      id="f-3480"
      unitRef="number">0.022</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1153"
      decimals="3"
      id="f-3481"
      unitRef="number">0.090</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1154"
      decimals="3"
      id="f-3482"
      unitRef="number">0.025</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1155"
      decimals="3"
      id="f-3483"
      unitRef="number">0.012</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1156"
      decimals="3"
      id="f-3484"
      unitRef="number">0.005</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1157"
      decimals="3"
      id="f-3485"
      unitRef="number">0.010</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1158"
      decimals="3"
      id="f-3486"
      unitRef="number">0.006</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1159"
      decimals="3"
      id="f-3487"
      unitRef="number">0.010</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1160"
      decimals="3"
      id="f-3488"
      unitRef="number">0.007</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1161"
      decimals="3"
      id="f-3489"
      unitRef="number">0.007</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1162"
      decimals="3"
      id="f-3490"
      unitRef="number">0.009</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1163"
      decimals="3"
      id="f-3491"
      unitRef="number">0.005</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1164"
      decimals="3"
      id="f-3492"
      unitRef="number">0.008</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1165"
      decimals="3"
      id="f-3493"
      unitRef="number">0.005</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1166"
      decimals="3"
      id="f-3494"
      unitRef="number">0.008</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1167"
      decimals="3"
      id="f-3495"
      unitRef="number">0.945</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1168"
      decimals="3"
      id="f-3496"
      unitRef="number">0.055</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1169"
      decimals="3"
      id="f-3497"
      unitRef="number">0.924</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1170"
      decimals="3"
      id="f-3498"
      unitRef="number">0.076</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1171"
      decimals="3"
      id="f-3499"
      unitRef="number">0.923</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers
      contextRef="c-1172"
      decimals="3"
      id="f-3500"
      unitRef="number">0.077</bbva:ProbabilityOfDefaultOfLoansAndAdvancesToCustomers>
    <bbva:ImpairedSecuredLoansRisksTableTextBlock contextRef="c-1" id="f-3501">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of loans and advances within financial assets at amortized cost by type of counterparty, including their respective gross carrying amount, impaired amount and accumulated impairment as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impaired loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated impairment &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,668&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;197,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,134)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;186,910&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7,427)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;455,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,630)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impaired loans and advances&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated impairment &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,294&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,498&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;175,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,274)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;177,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,886&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6,946)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;413,585&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,316)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.241%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.119%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.119%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impaired loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated impairment &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,922&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;170,929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,495)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;163,936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,675)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LOANS AND ADVANCES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;389,073&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,291)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:ImpairedSecuredLoansRisksTableTextBlock>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1173" decimals="-6" id="f-3502" unitRef="eur">8261000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1173" decimals="-6" id="f-3503" unitRef="eur">0</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1173" decimals="-6" id="f-3504" unitRef="eur">-6000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1174" decimals="-6" id="f-3505" unitRef="eur">22133000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1174" decimals="-6" id="f-3506" unitRef="eur">26000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1174" decimals="-6" id="f-3507" unitRef="eur">-23000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1175" decimals="-6" id="f-3508" unitRef="eur">22668000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1175" decimals="-6" id="f-3509" unitRef="eur">2000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1175" decimals="-6" id="f-3510" unitRef="eur">-13000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1176" decimals="-6" id="f-3511" unitRef="eur">17524000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1176" decimals="-6" id="f-3512" unitRef="eur">12000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1176" decimals="-6" id="f-3513" unitRef="eur">-26000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1177" decimals="-6" id="f-3514" unitRef="eur">197521000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1177" decimals="-6" id="f-3515" unitRef="eur">5014000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1177" decimals="-6" id="f-3516" unitRef="eur">-4134000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1178" decimals="-6" id="f-3517" unitRef="eur">186910000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1178" decimals="-6" id="f-3518" unitRef="eur">9158000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1178" decimals="-6" id="f-3519" unitRef="eur">-7427000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-13" decimals="-6" id="f-3520" unitRef="eur">455016000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-13" decimals="-6" id="f-3521" unitRef="eur">14213000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-1179" decimals="-6" id="f-3522" unitRef="eur">11630000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1180" decimals="-6" id="f-3523" unitRef="eur">7176000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1180" decimals="-6" id="f-3524" unitRef="eur">0</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1180" decimals="-6" id="f-3525" unitRef="eur">-25000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1181" decimals="-6" id="f-3526" unitRef="eur">23294000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1181" decimals="-6" id="f-3527" unitRef="eur">25000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1181" decimals="-6" id="f-3528" unitRef="eur">-29000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1182" decimals="-6" id="f-3529" unitRef="eur">17498000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1182" decimals="-6" id="f-3530" unitRef="eur">2000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1182" decimals="-6" id="f-3531" unitRef="eur">-21000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1183" decimals="-6" id="f-3532" unitRef="eur">13271000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1183" decimals="-6" id="f-3533" unitRef="eur">12000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1183" decimals="-6" id="f-3534" unitRef="eur">-20000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1184" decimals="-6" id="f-3535" unitRef="eur">175337000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1184" decimals="-6" id="f-3536" unitRef="eur">5520000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1184" decimals="-6" id="f-3537" unitRef="eur">-4274000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1185" decimals="-6" id="f-3538" unitRef="eur">177009000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1185" decimals="-6" id="f-3539" unitRef="eur">8886000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1185" decimals="-6" id="f-3540" unitRef="eur">-6946000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-20" decimals="-6" id="f-3541" unitRef="eur">413585000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-20" decimals="-6" id="f-3542" unitRef="eur">14446000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-1186" decimals="-6" id="f-3543" unitRef="eur">11316000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1187" decimals="-6" id="f-3544" unitRef="eur">4420000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1187" decimals="-6" id="f-3545" unitRef="eur">0</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1187" decimals="-6" id="f-3546" unitRef="eur">-19000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1188" decimals="-6" id="f-3547" unitRef="eur">20922000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1188" decimals="-6" id="f-3548" unitRef="eur">38000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1188" decimals="-6" id="f-3549" unitRef="eur">-30000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1189" decimals="-6" id="f-3550" unitRef="eur">16066000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1189" decimals="-6" id="f-3551" unitRef="eur">0</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1189" decimals="-6" id="f-3552" unitRef="eur">-35000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1190" decimals="-6" id="f-3553" unitRef="eur">12802000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1190" decimals="-6" id="f-3554" unitRef="eur">17000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1190" decimals="-6" id="f-3555" unitRef="eur">-37000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1191" decimals="-6" id="f-3556" unitRef="eur">170929000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1191" decimals="-6" id="f-3557" unitRef="eur">6340000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1191" decimals="-6" id="f-3558" unitRef="eur">-5495000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1192" decimals="-6" id="f-3559" unitRef="eur">163936000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-1192" decimals="-6" id="f-3560" unitRef="eur">7098000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost contextRef="c-1192" decimals="-6" id="f-3561" unitRef="eur">-5675000000</bbva:AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-21" decimals="-6" id="f-3562" unitRef="eur">389073000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairedLoansAndAdvancesAtAmortizedCost contextRef="c-21" decimals="-6" id="f-3563" unitRef="eur">13493000000</bbva:ImpairedLoansAndAdvancesAtAmortizedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-1193" decimals="-6" id="f-3564" unitRef="eur">11291000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <bbva:ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock contextRef="c-1" id="f-3565">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The changes during the years 2024, 2023 and 2022 of impaired financial assets and guarantees given are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in impaired financial assets and guarantees given (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,467&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,084&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Decreases&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7,346)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,795)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,742)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Net additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,272&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,342&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Amounts written-off&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,559)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,770)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,771)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(820)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(660)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(517)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,521&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(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.&lt;/span&gt;&lt;/div&gt;</bbva:ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock>
    <bbva:ImpairedFinancialAssetsAndGuaranteesGiven contextRef="c-20" decimals="-6" id="f-3566" unitRef="eur">15362000000</bbva:ImpairedFinancialAssetsAndGuaranteesGiven>
    <bbva:ImpairedFinancialAssetsAndGuaranteesGiven contextRef="c-21" decimals="-6" id="f-3567" unitRef="eur">14521000000</bbva:ImpairedFinancialAssetsAndGuaranteesGiven>
    <bbva:ImpairedFinancialAssetsAndGuaranteesGiven contextRef="c-173" decimals="-6" id="f-3568" unitRef="eur">15467000000</bbva:ImpairedFinancialAssetsAndGuaranteesGiven>
    <bbva:AdditionsOfImpairedAssets contextRef="c-1" decimals="-6" id="f-3569" unitRef="eur">12255000000</bbva:AdditionsOfImpairedAssets>
    <bbva:AdditionsOfImpairedAssets contextRef="c-22" decimals="-6" id="f-3570" unitRef="eur">11066000000</bbva:AdditionsOfImpairedAssets>
    <bbva:AdditionsOfImpairedAssets contextRef="c-23" decimals="-6" id="f-3571" unitRef="eur">8084000000</bbva:AdditionsOfImpairedAssets>
    <bbva:DecreaseOfImpairedAssets contextRef="c-1" decimals="-6" id="f-3572" unitRef="eur">-7346000000</bbva:DecreaseOfImpairedAssets>
    <bbva:DecreaseOfImpairedAssets contextRef="c-22" decimals="-6" id="f-3573" unitRef="eur">-5795000000</bbva:DecreaseOfImpairedAssets>
    <bbva:DecreaseOfImpairedAssets contextRef="c-23" decimals="-6" id="f-3574" unitRef="eur">-5742000000</bbva:DecreaseOfImpairedAssets>
    <ifrs-full:IncreaseDecreaseInFinancialAssets contextRef="c-1" decimals="-6" id="f-3575" unitRef="eur">4909000000</ifrs-full:IncreaseDecreaseInFinancialAssets>
    <ifrs-full:IncreaseDecreaseInFinancialAssets contextRef="c-22" decimals="-6" id="f-3576" unitRef="eur">5272000000</ifrs-full:IncreaseDecreaseInFinancialAssets>
    <ifrs-full:IncreaseDecreaseInFinancialAssets contextRef="c-23" decimals="-6" id="f-3577" unitRef="eur">2342000000</ifrs-full:IncreaseDecreaseInFinancialAssets>
    <ifrs-full:DecreaseThroughWriteoffFinancialAssets contextRef="c-1" decimals="-6" id="f-3578" unitRef="eur">4559000000</ifrs-full:DecreaseThroughWriteoffFinancialAssets>
    <ifrs-full:DecreaseThroughWriteoffFinancialAssets contextRef="c-22" decimals="-6" id="f-3579" unitRef="eur">3770000000</ifrs-full:DecreaseThroughWriteoffFinancialAssets>
    <ifrs-full:DecreaseThroughWriteoffFinancialAssets contextRef="c-23" decimals="-6" id="f-3580" unitRef="eur">2771000000</ifrs-full:DecreaseThroughWriteoffFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1" decimals="-6" id="f-3581" unitRef="eur">-820000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-22" decimals="-6" id="f-3582" unitRef="eur">-660000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-23" decimals="-6" id="f-3583" unitRef="eur">-517000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <bbva:ImpairedFinancialAssetsAndGuaranteesGiven contextRef="c-13" decimals="-6" id="f-3584" unitRef="eur">14891000000</bbva:ImpairedFinancialAssetsAndGuaranteesGiven>
    <bbva:ImpairedFinancialAssetsAndGuaranteesGiven contextRef="c-20" decimals="-6" id="f-3585" unitRef="eur">15362000000</bbva:ImpairedFinancialAssetsAndGuaranteesGiven>
    <bbva:ImpairedFinancialAssetsAndGuaranteesGiven contextRef="c-21" decimals="-6" id="f-3586" unitRef="eur">14521000000</bbva:ImpairedFinancialAssetsAndGuaranteesGiven>
    <bbva:ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock contextRef="c-1" id="f-3587">&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The changes during the years 2024, 2023 and 2022 in financial assets derecognized from the consolidated balance sheet as their recovery is considered unlikely ("write-offs"), is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.969%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.001%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.676%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.609%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in impaired financial assets written-off from the balance sheet (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,787&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,595&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;21,990&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,871&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Decrease:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,801)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,035)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,431)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Re-financing or restructuring&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash recovery&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(403)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(369)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(390)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreclosed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:4.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Sales &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,719)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,201)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,498)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Debt forgiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(669)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(410)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(368)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Time-barred debt and other causes &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(147)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(189)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;25,343&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,787&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,595&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Includes principal and interest.&lt;/span&gt;&lt;/div&gt;</bbva:ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding contextRef="c-20" decimals="-6" id="f-3588" unitRef="eur">24787000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding contextRef="c-21" decimals="-6" id="f-3589" unitRef="eur">22595000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding contextRef="c-173" decimals="-6" id="f-3590" unitRef="eur">21990000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <bbva:CompaniesHeldForSale contextRef="c-1" decimals="-6" id="f-3591" unitRef="eur">0</bbva:CompaniesHeldForSale>
    <bbva:CompaniesHeldForSale contextRef="c-22" decimals="-6" id="f-3592" unitRef="eur">0</bbva:CompaniesHeldForSale>
    <bbva:CompaniesHeldForSale contextRef="c-23" decimals="-6" id="f-3593" unitRef="eur">0</bbva:CompaniesHeldForSale>
    <bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet contextRef="c-1" decimals="-6" id="f-3594" unitRef="eur">3547000000</bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet>
    <bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet contextRef="c-22" decimals="-6" id="f-3595" unitRef="eur">3841000000</bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet>
    <bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet contextRef="c-23" decimals="-6" id="f-3596" unitRef="eur">2871000000</bbva:IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet>
    <bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet contextRef="c-1" decimals="-6" id="f-3597" unitRef="eur">-2801000000</bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet>
    <bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet contextRef="c-22" decimals="-6" id="f-3598" unitRef="eur">-2035000000</bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet>
    <bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet contextRef="c-23" decimals="-6" id="f-3599" unitRef="eur">-2431000000</bbva:DecreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet>
    <bbva:ReFinancingOrRestructuring contextRef="c-1" decimals="-6" id="f-3600" unitRef="eur">-1000000</bbva:ReFinancingOrRestructuring>
    <bbva:ReFinancingOrRestructuring contextRef="c-22" decimals="-6" id="f-3601" unitRef="eur">-1000000</bbva:ReFinancingOrRestructuring>
    <bbva:ReFinancingOrRestructuring contextRef="c-23" decimals="-6" id="f-3602" unitRef="eur">-2000000</bbva:ReFinancingOrRestructuring>
    <ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff contextRef="c-1" decimals="-6" id="f-3603" unitRef="eur">-403000000</ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff>
    <ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff contextRef="c-22" decimals="-6" id="f-3604" unitRef="eur">-369000000</ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff>
    <ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff contextRef="c-23" decimals="-6" id="f-3605" unitRef="eur">-390000000</ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff>
    <bbva:DecreaseForeclosedAssets contextRef="c-1" decimals="-6" id="f-3606" unitRef="eur">-1000000</bbva:DecreaseForeclosedAssets>
    <bbva:DecreaseForeclosedAssets contextRef="c-22" decimals="-6" id="f-3607" unitRef="eur">-3000000</bbva:DecreaseForeclosedAssets>
    <bbva:DecreaseForeclosedAssets contextRef="c-23" decimals="-6" id="f-3608" unitRef="eur">-25000000</bbva:DecreaseForeclosedAssets>
    <bbva:DecreaseSales contextRef="c-1" decimals="-6" id="f-3609" unitRef="eur">-1719000000</bbva:DecreaseSales>
    <bbva:DecreaseSales contextRef="c-22" decimals="-6" id="f-3610" unitRef="eur">-1201000000</bbva:DecreaseSales>
    <bbva:DecreaseSales contextRef="c-23" decimals="-6" id="f-3611" unitRef="eur">-1498000000</bbva:DecreaseSales>
    <bbva:DecreaseDebtForgiveness contextRef="c-1" decimals="-6" id="f-3612" unitRef="eur">-669000000</bbva:DecreaseDebtForgiveness>
    <bbva:DecreaseDebtForgiveness contextRef="c-22" decimals="-6" id="f-3613" unitRef="eur">-410000000</bbva:DecreaseDebtForgiveness>
    <bbva:DecreaseDebtForgiveness contextRef="c-23" decimals="-6" id="f-3614" unitRef="eur">-368000000</bbva:DecreaseDebtForgiveness>
    <bbva:DecreaseTimeBarredDebtAndOtherCauses contextRef="c-1" decimals="-6" id="f-3615" unitRef="eur">-8000000</bbva:DecreaseTimeBarredDebtAndOtherCauses>
    <bbva:DecreaseTimeBarredDebtAndOtherCauses contextRef="c-22" decimals="-6" id="f-3616" unitRef="eur">-51000000</bbva:DecreaseTimeBarredDebtAndOtherCauses>
    <bbva:DecreaseTimeBarredDebtAndOtherCauses contextRef="c-23" decimals="-6" id="f-3617" unitRef="eur">-147000000</bbva:DecreaseTimeBarredDebtAndOtherCauses>
    <bbva:NetExchangeDifferencesWrittenOff contextRef="c-1" decimals="-6" id="f-3618" unitRef="eur">-189000000</bbva:NetExchangeDifferencesWrittenOff>
    <bbva:NetExchangeDifferencesWrittenOff contextRef="c-22" decimals="-6" id="f-3619" unitRef="eur">385000000</bbva:NetExchangeDifferencesWrittenOff>
    <bbva:NetExchangeDifferencesWrittenOff contextRef="c-23" decimals="-6" id="f-3620" unitRef="eur">165000000</bbva:NetExchangeDifferencesWrittenOff>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding contextRef="c-13" decimals="-6" id="f-3621" unitRef="eur">25343000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding contextRef="c-20" decimals="-6" id="f-3622" unitRef="eur">24787000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding contextRef="c-21" decimals="-6" id="f-3623" unitRef="eur">22595000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <bbva:ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock contextRef="c-1" id="f-3624">&lt;div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Movements, measured over a 12-month period, in gross accounting balances and accumulated loss allowances during 2024, 2023 and 2022 are recorded on the consolidated balance sheet as of December 31, 2024, 2023 and 2022 in order to cover the estimated impairment or reversal of impairment on loans and advances at amortized cost:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in gross carrying amount of loans and advances at amortized cost. Year 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;361,186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;37,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;413,585&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,032)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11,840)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(9,830)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,260)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,949)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,208&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,564&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,801)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6,378)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58,952&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(333)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,149)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,594)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13,508)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,137)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(557)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(15,203)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(250)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(78)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;409,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;455,016&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in gross carrying amount of loans and advances at amortized cost. Year 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;341,944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;389,073&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11,647)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,184&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(18,172)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;18,172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(7,639)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,203)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,297)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(4,316)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,334&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,233)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,663&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,764&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(186)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,889)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,150)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,833)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(635)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(369)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,838)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;401&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(365)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(187)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(665)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;361,186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;37,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;413,585&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;Changes in gross carrying amount of loans and advances at amortized cost. Year 2022 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;300,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;349,037&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,041)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,914&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,128&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(12,726)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,726&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;8,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(8,537)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,941)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,831)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,773&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,645)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4,201)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;258&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,432)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,530)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Methodological changes and adoption of new standards &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(672)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(672)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,447&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(461)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(301)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;231&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;573&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;341,944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;389,073&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) The entire impact corresponds to the application of IFRS 17 (See Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1194" decimals="-6" id="f-3625" unitRef="eur">361186000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1195" decimals="-6" id="f-3626" unitRef="eur">37953000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1196" decimals="-6" id="f-3627" unitRef="eur">14446000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1197" decimals="-6" id="f-3628" unitRef="eur">413585000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:TransfersOfFinancialAssets contextRef="c-1198" decimals="-6" id="f-3629" unitRef="eur">-4032000000</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersOfFinancialAssets contextRef="c-1199" decimals="-6" id="f-3630" unitRef="eur">1625000000</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersOfFinancialAssets contextRef="c-1200" decimals="-6" id="f-3631" unitRef="eur">2407000000</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersOfFinancialAssets contextRef="c-1201" decimals="-6" id="f-3632" unitRef="eur">0</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersFromStage1ToStage2 contextRef="c-1198" decimals="-6" id="f-3633" unitRef="eur">-11840000000</bbva:TransfersFromStage1ToStage2>
    <bbva:TransfersFromStage1ToStage2 contextRef="c-1199" decimals="-6" id="f-3634" unitRef="eur">11840000000</bbva:TransfersFromStage1ToStage2>
    <bbva:TransfersFromStage1ToStage2 contextRef="c-1200" decimals="-6" id="f-3635" unitRef="eur">0</bbva:TransfersFromStage1ToStage2>
    <bbva:TransfersFromStage1ToStage2 contextRef="c-1201" decimals="-6" id="f-3636" unitRef="eur">0</bbva:TransfersFromStage1ToStage2>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1198" decimals="-6" id="f-3637" unitRef="eur">9830000000</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1199" decimals="-6" id="f-3638" unitRef="eur">-9830000000</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1200" decimals="-6" id="f-3639" unitRef="eur">0</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1201" decimals="-6" id="f-3640" unitRef="eur">0</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersToStage3 contextRef="c-1198" decimals="-6" id="f-3641" unitRef="eur">-3260000000</bbva:TransfersToStage3>
    <bbva:TransfersToStage3 contextRef="c-1199" decimals="-6" id="f-3642" unitRef="eur">-1949000000</bbva:TransfersToStage3>
    <bbva:TransfersToStage3 contextRef="c-1200" decimals="-6" id="f-3643" unitRef="eur">5208000000</bbva:TransfersToStage3>
    <bbva:TransfersToStage3 contextRef="c-1201" decimals="-6" id="f-3644" unitRef="eur">0</bbva:TransfersToStage3>
    <bbva:TransfersFromStage3 contextRef="c-1198" decimals="-6" id="f-3645" unitRef="eur">1238000000</bbva:TransfersFromStage3>
    <bbva:TransfersFromStage3 contextRef="c-1199" decimals="-6" id="f-3646" unitRef="eur">1564000000</bbva:TransfersFromStage3>
    <bbva:TransfersFromStage3 contextRef="c-1200" decimals="-6" id="f-3647" unitRef="eur">-2801000000</bbva:TransfersFromStage3>
    <bbva:TransfersFromStage3 contextRef="c-1201" decimals="-6" id="f-3648" unitRef="eur">0</bbva:TransfersFromStage3>
    <bbva:NetAnnualOriginationOfFinancialAssets contextRef="c-1198" decimals="-6" id="f-3649" unitRef="eur">64222000000</bbva:NetAnnualOriginationOfFinancialAssets>
    <bbva:NetAnnualOriginationOfFinancialAssets contextRef="c-1199" decimals="-6" id="f-3650" unitRef="eur">-6378000000</bbva:NetAnnualOriginationOfFinancialAssets>
    <bbva:NetAnnualOriginationOfFinancialAssets contextRef="c-1200" decimals="-6" id="f-3651" unitRef="eur">1108000000</bbva:NetAnnualOriginationOfFinancialAssets>
    <bbva:NetAnnualOriginationOfFinancialAssets contextRef="c-1201" decimals="-6" id="f-3652" unitRef="eur">58952000000</bbva:NetAnnualOriginationOfFinancialAssets>
    <bbva:BecomingWriteOffs contextRef="c-1198" decimals="-6" id="f-3653" unitRef="eur">-333000000</bbva:BecomingWriteOffs>
    <bbva:BecomingWriteOffs contextRef="c-1199" decimals="-6" id="f-3654" unitRef="eur">-112000000</bbva:BecomingWriteOffs>
    <bbva:BecomingWriteOffs contextRef="c-1200" decimals="-6" id="f-3655" unitRef="eur">-3149000000</bbva:BecomingWriteOffs>
    <bbva:BecomingWriteOffs contextRef="c-1201" decimals="-6" id="f-3656" unitRef="eur">-3594000000</bbva:BecomingWriteOffs>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1198" decimals="-6" id="f-3657" unitRef="eur">-13508000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1199" decimals="-6" id="f-3658" unitRef="eur">-1137000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1200" decimals="-6" id="f-3659" unitRef="eur">-557000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1201" decimals="-6" id="f-3660" unitRef="eur">-15203000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1198" decimals="-6" id="f-3661" unitRef="eur">29000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1199" decimals="-6" id="f-3662" unitRef="eur">78000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1200" decimals="-6" id="f-3663" unitRef="eur">36000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1201" decimals="-6" id="f-3664" unitRef="eur">144000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <bbva:OtherImpairmentLosses contextRef="c-1198" decimals="-6" id="f-3665" unitRef="eur">1460000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1199" decimals="-6" id="f-3666" unitRef="eur">-250000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1200" decimals="-6" id="f-3667" unitRef="eur">-78000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1201" decimals="-6" id="f-3668" unitRef="eur">1131000000</bbva:OtherImpairmentLosses>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1202" decimals="-6" id="f-3669" unitRef="eur">409023000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1203" decimals="-6" id="f-3670" unitRef="eur">31780000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1204" decimals="-6" id="f-3671" unitRef="eur">14213000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1205" decimals="-6" id="f-3672" unitRef="eur">455016000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock contextRef="c-1" id="f-3673">&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in allowances of loans and advances at amortized cost. Year 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,131)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,026)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,158)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,316)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,766)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,031)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(697)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(594)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;275&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,498)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,259)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(146)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;548&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,059)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,125)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,174)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,337&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;325&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,075&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,613&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(342)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;246&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,406)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,848)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,375)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,630)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in allowances of loans and advances at amortized cost. Year 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,065)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,942)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,284)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,291)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(336)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,527)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,790)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(681)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(563)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;210&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,935)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,734)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;408&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;297&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(466)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(846)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,853&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,071&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;235&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;631&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,131)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,026)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,158)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,316)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.266%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Changes in allowances of loans and advances at amortized cost. Year 2022 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,990)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,091)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,061)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,142)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers of financial assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,570)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,473)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 1 to stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(397)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 2 to stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;283&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;to stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,917)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,662)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net annual origination of allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(406)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(273)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(663)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,342)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Becoming&#160;write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,106&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;161&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Modifications that do not result in derecognition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(160)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;279&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;511&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,065)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,942)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,284)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(11,291)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1206" decimals="-6" id="f-3674" unitRef="eur">-2131000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1207" decimals="-6" id="f-3675" unitRef="eur">-2026000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1208" decimals="-6" id="f-3676" unitRef="eur">-7158000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1209" decimals="-6" id="f-3677" unitRef="eur">-11316000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:TransfersOfFinancialAssets contextRef="c-1210" decimals="-6" id="f-3678" unitRef="eur">105000000</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersOfFinancialAssets contextRef="c-1211" decimals="-6" id="f-3679" unitRef="eur">-370000000</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersOfFinancialAssets contextRef="c-1212" decimals="-6" id="f-3680" unitRef="eur">-2766000000</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersOfFinancialAssets contextRef="c-1213" decimals="-6" id="f-3681" unitRef="eur">-3031000000</bbva:TransfersOfFinancialAssets>
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    <bbva:TransfersFromStage1ToStage2 contextRef="c-1212" decimals="-6" id="f-3684" unitRef="eur">0</bbva:TransfersFromStage1ToStage2>
    <bbva:TransfersFromStage1ToStage2 contextRef="c-1213" decimals="-6" id="f-3685" unitRef="eur">-594000000</bbva:TransfersFromStage1ToStage2>
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    <bbva:TransfersFromStage2ToStage1 contextRef="c-1211" decimals="-6" id="f-3687" unitRef="eur">327000000</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1212" decimals="-6" id="f-3688" unitRef="eur">0</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1213" decimals="-6" id="f-3689" unitRef="eur">275000000</bbva:TransfersFromStage2ToStage1>
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    <bbva:NetAnnualOriginationOfAllowances contextRef="c-1211" decimals="-6" id="f-3699" unitRef="eur">10000000</bbva:NetAnnualOriginationOfAllowances>
    <bbva:NetAnnualOriginationOfAllowances contextRef="c-1212" decimals="-6" id="f-3700" unitRef="eur">-1125000000</bbva:NetAnnualOriginationOfAllowances>
    <bbva:NetAnnualOriginationOfAllowances contextRef="c-1213" decimals="-6" id="f-3701" unitRef="eur">-2174000000</bbva:NetAnnualOriginationOfAllowances>
    <bbva:BecomingWriteOffs contextRef="c-1210" decimals="-6" id="f-3702" unitRef="eur">321000000</bbva:BecomingWriteOffs>
    <bbva:BecomingWriteOffs contextRef="c-1211" decimals="-6" id="f-3703" unitRef="eur">107000000</bbva:BecomingWriteOffs>
    <bbva:BecomingWriteOffs contextRef="c-1212" decimals="-6" id="f-3704" unitRef="eur">2909000000</bbva:BecomingWriteOffs>
    <bbva:BecomingWriteOffs contextRef="c-1213" decimals="-6" id="f-3705" unitRef="eur">3337000000</bbva:BecomingWriteOffs>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1210" decimals="-6" id="f-3706" unitRef="eur">325000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1211" decimals="-6" id="f-3707" unitRef="eur">213000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1212" decimals="-6" id="f-3708" unitRef="eur">1075000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1213" decimals="-6" id="f-3709" unitRef="eur">1613000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1210" decimals="-6" id="f-3710" unitRef="eur">3000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1211" decimals="-6" id="f-3711" unitRef="eur">35000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1212" decimals="-6" id="f-3712" unitRef="eur">-342000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1213" decimals="-6" id="f-3713" unitRef="eur">-304000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <bbva:OtherImpairmentLosses contextRef="c-1210" decimals="-6" id="f-3714" unitRef="eur">30000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1211" decimals="-6" id="f-3715" unitRef="eur">183000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1212" decimals="-6" id="f-3716" unitRef="eur">33000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1213" decimals="-6" id="f-3717" unitRef="eur">246000000</bbva:OtherImpairmentLosses>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1214" decimals="-6" id="f-3718" unitRef="eur">-2406000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1215" decimals="-6" id="f-3719" unitRef="eur">-1848000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1216" decimals="-6" id="f-3720" unitRef="eur">-7375000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1217" decimals="-6" id="f-3721" unitRef="eur">-11630000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification contextRef="c-1" decimals="-6" id="f-3722" unitRef="eur">5745000000</bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification>
    <bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification contextRef="c-22" decimals="-6" id="f-3723" unitRef="eur">4428000000</bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification>
    <bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification contextRef="c-23" decimals="-6" id="f-3724" unitRef="eur">3379000000</bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1218" decimals="-6" id="f-3725" unitRef="eur">341944000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1219" decimals="-6" id="f-3726" unitRef="eur">33636000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1220" decimals="-6" id="f-3727" unitRef="eur">13493000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1221" decimals="-6" id="f-3728" unitRef="eur">389073000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:TransfersOfFinancialAssets contextRef="c-1222" decimals="-6" id="f-3729" unitRef="eur">-11647000000</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersOfFinancialAssets contextRef="c-1223" decimals="-6" id="f-3730" unitRef="eur">10463000000</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersOfFinancialAssets contextRef="c-1224" decimals="-6" id="f-3731" unitRef="eur">1184000000</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersOfFinancialAssets contextRef="c-1225" decimals="-6" id="f-3732" unitRef="eur">0</bbva:TransfersOfFinancialAssets>
    <bbva:TransfersFromStage1ToStage2 contextRef="c-1222" decimals="-6" id="f-3733" unitRef="eur">-18172000000</bbva:TransfersFromStage1ToStage2>
    <bbva:TransfersFromStage1ToStage2 contextRef="c-1223" decimals="-6" id="f-3734" unitRef="eur">18172000000</bbva:TransfersFromStage1ToStage2>
    <bbva:TransfersFromStage1ToStage2 contextRef="c-1224" decimals="-6" id="f-3735" unitRef="eur">0</bbva:TransfersFromStage1ToStage2>
    <bbva:TransfersFromStage1ToStage2 contextRef="c-1225" decimals="-6" id="f-3736" unitRef="eur">0</bbva:TransfersFromStage1ToStage2>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1222" decimals="-6" id="f-3737" unitRef="eur">7639000000</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1223" decimals="-6" id="f-3738" unitRef="eur">-7639000000</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1224" decimals="-6" id="f-3739" unitRef="eur">0</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersFromStage2ToStage1 contextRef="c-1225" decimals="-6" id="f-3740" unitRef="eur">0</bbva:TransfersFromStage2ToStage1>
    <bbva:TransfersToStage3 contextRef="c-1222" decimals="-6" id="f-3741" unitRef="eur">-3203000000</bbva:TransfersToStage3>
    <bbva:TransfersToStage3 contextRef="c-1223" decimals="-6" id="f-3742" unitRef="eur">-2297000000</bbva:TransfersToStage3>
    <bbva:TransfersToStage3 contextRef="c-1224" decimals="-6" id="f-3743" unitRef="eur">5500000000</bbva:TransfersToStage3>
    <bbva:TransfersToStage3 contextRef="c-1225" decimals="-6" id="f-3744" unitRef="eur">0</bbva:TransfersToStage3>
    <bbva:TransfersFromStage3 contextRef="c-1222" decimals="-6" id="f-3745" unitRef="eur">2089000000</bbva:TransfersFromStage3>
    <bbva:TransfersFromStage3 contextRef="c-1223" decimals="-6" id="f-3746" unitRef="eur">2226000000</bbva:TransfersFromStage3>
    <bbva:TransfersFromStage3 contextRef="c-1224" decimals="-6" id="f-3747" unitRef="eur">-4316000000</bbva:TransfersFromStage3>
    <bbva:TransfersFromStage3 contextRef="c-1225" decimals="-6" id="f-3748" unitRef="eur">0</bbva:TransfersFromStage3>
    <bbva:NetAnnualOriginationOfFinancialAssets contextRef="c-1222" decimals="-6" id="f-3749" unitRef="eur">34334000000</bbva:NetAnnualOriginationOfFinancialAssets>
    <bbva:NetAnnualOriginationOfFinancialAssets contextRef="c-1223" decimals="-6" id="f-3750" unitRef="eur">-5233000000</bbva:NetAnnualOriginationOfFinancialAssets>
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    <bbva:NetAnnualOriginationOfFinancialAssets contextRef="c-1225" decimals="-6" id="f-3752" unitRef="eur">31764000000</bbva:NetAnnualOriginationOfFinancialAssets>
    <bbva:BecomingWriteOffs contextRef="c-1222" decimals="-6" id="f-3753" unitRef="eur">-186000000</bbva:BecomingWriteOffs>
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    <bbva:BecomingWriteOffs contextRef="c-1225" decimals="-6" id="f-3756" unitRef="eur">-3150000000</bbva:BecomingWriteOffs>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1222" decimals="-6" id="f-3757" unitRef="eur">-2833000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1223" decimals="-6" id="f-3758" unitRef="eur">-635000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1224" decimals="-6" id="f-3759" unitRef="eur">-369000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1225" decimals="-6" id="f-3760" unitRef="eur">-3838000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1222" decimals="-6" id="f-3761" unitRef="eur">-60000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1223" decimals="-6" id="f-3762" unitRef="eur">-16000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1224" decimals="-6" id="f-3763" unitRef="eur">476000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1225" decimals="-6" id="f-3764" unitRef="eur">401000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <bbva:OtherImpairmentLosses contextRef="c-1222" decimals="-6" id="f-3765" unitRef="eur">-365000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1223" decimals="-6" id="f-3766" unitRef="eur">-187000000</bbva:OtherImpairmentLosses>
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    <ifrs-full:NetForeignExchangeLoss contextRef="c-1248" decimals="-6" id="f-3907" unitRef="eur">0</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:NetForeignExchangeLoss contextRef="c-1249" decimals="-6" id="f-3908" unitRef="eur">161000000</ifrs-full:NetForeignExchangeLoss>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1246" decimals="-6" id="f-3909" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1247" decimals="-6" id="f-3910" unitRef="eur">48000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1248" decimals="-6" id="f-3911" unitRef="eur">-160000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets contextRef="c-1249" decimals="-6" id="f-3912" unitRef="eur">-112000000</ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets>
    <bbva:OtherImpairmentLosses contextRef="c-1246" decimals="-6" id="f-3913" unitRef="eur">168000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1247" decimals="-6" id="f-3914" unitRef="eur">64000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1248" decimals="-6" id="f-3915" unitRef="eur">279000000</bbva:OtherImpairmentLosses>
    <bbva:OtherImpairmentLosses contextRef="c-1249" decimals="-6" id="f-3916" unitRef="eur">511000000</bbva:OtherImpairmentLosses>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1226" decimals="-6" id="f-3917" unitRef="eur">-2065000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1227" decimals="-6" id="f-3918" unitRef="eur">-1942000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1228" decimals="-6" id="f-3919" unitRef="eur">-7284000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount contextRef="c-1229" decimals="-6" id="f-3920" unitRef="eur">-11291000000</ifrs-full:LoansAndAdvancesAtAmortisedCostGrossCarryingAmount>
    <bbva:SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock contextRef="c-1" id="f-3921">&lt;div style="margin-bottom:14pt;margin-top:14pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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 Held to Collect &amp;amp; Sale (HTC&amp;amp;S) in terms of sensitivities of the main currencies for the BBVA Group in 2024:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.815%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.570%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Sensitivity to interest-rate and credit spread analysis. Year 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on net interest income&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on economic value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on economic value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-2.5% , -1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;U.S. dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[1.5% , 2.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-3.5% , -2.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-3.5% , -2.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[2.5% , 3.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Percentage of "12 months" net interest income for the BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Percentage of CET1 (Fully Loaded) for BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.431%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.986%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.082%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.086%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Sensitivity to interest-rate and credit spread analysis. Year 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on net interest income &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on economic value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact on economic value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point decrease &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100 basis point increase&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;U.S. dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;[-0.5% , 0.5%]&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[1.5% , 3.5%]&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-3.5% , -1.5%]&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[0.5% , 1.5%]&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;[-1.5% , -0.5%]&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Percentage of "12 months" net interest income for the BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Percentage of CET1 (Fully Loaded) for BBVA Group.&lt;/span&gt;&lt;/div&gt;</bbva:SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1250" id="f-3922">[0.5% , 1.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1251" id="f-3923">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1250" id="f-3924">[-2.5% , -1.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1251" id="f-3925">[0.5% , 1.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1250" id="f-3926">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1252" id="f-3927">[0.5% , 1.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1253" id="f-3928">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1252" id="f-3929">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1253" id="f-3930">[0.5% , 1.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1252" id="f-3931">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1254" id="f-3932">[0.5% , 1.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1255" id="f-3933">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1254" id="f-3934">[0.5% , 1.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1255" id="f-3935">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1254" id="f-3936">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1256" id="f-3937">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1257" id="f-3938">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1256" id="f-3939">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1257" id="f-3940">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1256" id="f-3941">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1258" id="f-3942">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1259" id="f-3943">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1258" id="f-3944">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1259" id="f-3945">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1258" id="f-3946">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1260" id="f-3947">[1.5% , 2.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1261" id="f-3948">[-3.5% , -2.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1260" id="f-3949">[-3.5% , -2.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1261" id="f-3950">[2.5% , 3.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1260" id="f-3951">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1262" id="f-3952">[0.5% , 1.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1263" id="f-3953">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1262" id="f-3954">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1263" id="f-3955">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1262" id="f-3956">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1264" id="f-3957">[0.5% , 1.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1265" id="f-3958">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1264" id="f-3959">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1265" id="f-3960">[0.5% , 1.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1264" id="f-3961">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1266" id="f-3962">[0.5% , 1.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1267" id="f-3963">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1266" id="f-3964">[0.5% , 1.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1267" id="f-3965">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1266" id="f-3966">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1268" id="f-3967">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1269" id="f-3968">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1268" id="f-3969">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1269" id="f-3970">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1268" id="f-3971">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1270" id="f-3972">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1271" id="f-3973">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1270" id="f-3974">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1271" id="f-3975">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1270" id="f-3976">[-0.5% , 0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1272" id="f-3977">[1.5% , 3.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetInterestIncome contextRef="c-1273" id="f-3978">[-3.5% , -1.5%]</bbva:PercentageImpactOnNetInterestIncome>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1272" id="f-3979">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValue contextRef="c-1273" id="f-3980">[0.5% , 1.5%]</bbva:PercentageImpactOnNetEconomicValue>
    <bbva:PercentageImpactOnNetEconomicValueCreditSpread contextRef="c-1272" id="f-3981">[-1.5% , -0.5%]</bbva:PercentageImpactOnNetEconomicValueCreditSpread>
    <bbva:SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock contextRef="c-1" id="f-3982">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For the years 2024, 2023 and 2022, the estimated sensitivities (in absolute terms) 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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:22pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:bottom"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Sensitivity to 1% change (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19.1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Peruvian sol&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Colombian peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1274" decimals="-5" id="f-3983" unitRef="eur">27800000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1275" decimals="-5" id="f-3984" unitRef="eur">25800000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1276" decimals="-5" id="f-3985" unitRef="eur">19100000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1277" decimals="-5" id="f-3986" unitRef="eur">3300000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1278" decimals="-5" id="f-3987" unitRef="eur">4400000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1279" decimals="-5" id="f-3988" unitRef="eur">3500000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1280" decimals="-5" id="f-3989" unitRef="eur">1400000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1281" decimals="-5" id="f-3990" unitRef="eur">900000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1282" decimals="-5" id="f-3991" unitRef="eur">700000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1283" decimals="-5" id="f-3992" unitRef="eur">200000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1284" decimals="-5" id="f-3993" unitRef="eur">200000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1285" decimals="-5" id="f-3994" unitRef="eur">400000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1286" decimals="-5" id="f-3995" unitRef="eur">400000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1287" decimals="-5" id="f-3996" unitRef="eur">1000000.0</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1288" decimals="-5" id="f-3997" unitRef="eur">900000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1289" decimals="-5" id="f-3998" unitRef="eur">1800000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1290" decimals="-5" id="f-3999" unitRef="eur">1300000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:SensitivityToOnePercentMainCurrencies contextRef="c-1291" decimals="-5" id="f-4000" unitRef="eur">1900000</bbva:SensitivityToOnePercentMainCurrencies>
    <bbva:VaRByRiskFactor contextRef="c-1292" decimals="-6" id="f-4001" unitRef="eur">37000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1293" decimals="-6" id="f-4002" unitRef="eur">50000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactorTableTextBlock contextRef="c-1" id="f-4003">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022 the VaR was &#x20ac;34 million, &#x20ac;36 million and &#x20ac;29 million, respectively, with the following breakdown:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.940%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.230%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;VaR by Risk Factor (Millions of Euros) &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Interest/Spread risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Currency risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Stock-market risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Vega/Correlation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Diversification effect &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR average in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR max in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR min in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;End of period VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR average in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR max in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR min in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;End of period VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR average in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR max in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;VaR min in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;End of period VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) The maximum and minimum VaR figures show the VaR figures for the day on which said maximum and minimum VaRs occurred in the relevant year, by type of risk. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) 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.&lt;/span&gt;&lt;/div&gt;</bbva:VaRByRiskFactorTableTextBlock>
    <bbva:VaRByRiskFactor contextRef="c-1294" decimals="-6" id="f-4004" unitRef="eur">34000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1295" decimals="-6" id="f-4005" unitRef="eur">36000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1296" decimals="-6" id="f-4006" unitRef="eur">29000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1297" decimals="-6" id="f-4007" unitRef="eur">41000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1298" decimals="-6" id="f-4008" unitRef="eur">7000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1299" decimals="-6" id="f-4009" unitRef="eur">2000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1300" decimals="-6" id="f-4010" unitRef="eur">6000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1301" decimals="-6" id="f-4011" unitRef="eur">-20000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1292" decimals="-6" id="f-4012" unitRef="eur">37000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1302" decimals="-6" id="f-4013" unitRef="eur">55000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1303" decimals="-6" id="f-4014" unitRef="eur">10000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1304" decimals="-6" id="f-4015" unitRef="eur">2000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1305" decimals="-6" id="f-4016" unitRef="eur">7000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1306" decimals="-6" id="f-4017" unitRef="eur">-23000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1293" decimals="-6" id="f-4018" unitRef="eur">50000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1307" decimals="-6" id="f-4019" unitRef="eur">33000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1308" decimals="-6" id="f-4020" unitRef="eur">7000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1309" decimals="-6" id="f-4021" unitRef="eur">2000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1310" decimals="-6" id="f-4022" unitRef="eur">6000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1311" decimals="-6" id="f-4023" unitRef="eur">-19000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1312" decimals="-6" id="f-4024" unitRef="eur">28000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1313" decimals="-6" id="f-4025" unitRef="eur">37000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1314" decimals="-6" id="f-4026" unitRef="eur">5000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1315" decimals="-6" id="f-4027" unitRef="eur">2000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1316" decimals="-6" id="f-4028" unitRef="eur">4000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1317" decimals="-6" id="f-4029" unitRef="eur">-14000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1294" decimals="-6" id="f-4030" unitRef="eur">34000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1318" decimals="-6" id="f-4031" unitRef="eur">36000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1319" decimals="-6" id="f-4032" unitRef="eur">8000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1320" decimals="-6" id="f-4033" unitRef="eur">2000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1321" decimals="-6" id="f-4034" unitRef="eur">7000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1322" decimals="-6" id="f-4035" unitRef="eur">-22000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1323" decimals="-6" id="f-4036" unitRef="eur">31000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1324" decimals="-6" id="f-4037" unitRef="eur">43000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1325" decimals="-6" id="f-4038" unitRef="eur">6000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1326" decimals="-6" id="f-4039" unitRef="eur">17000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1327" decimals="-6" id="f-4040" unitRef="eur">8000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1328" decimals="-6" id="f-4041" unitRef="eur">-33000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1329" decimals="-6" id="f-4042" unitRef="eur">42000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1330" decimals="-6" id="f-4043" unitRef="eur">23000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1331" decimals="-6" id="f-4044" unitRef="eur">9000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1332" decimals="-6" id="f-4045" unitRef="eur">0</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1333" decimals="-6" id="f-4046" unitRef="eur">9000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1334" decimals="-6" id="f-4047" unitRef="eur">-23000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1335" decimals="-6" id="f-4048" unitRef="eur">19000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1336" decimals="-6" id="f-4049" unitRef="eur">41000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1337" decimals="-6" id="f-4050" unitRef="eur">6000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1338" decimals="-6" id="f-4051" unitRef="eur">4000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1339" decimals="-6" id="f-4052" unitRef="eur">8000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1340" decimals="-6" id="f-4053" unitRef="eur">-23000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1295" decimals="-6" id="f-4054" unitRef="eur">36000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1341" decimals="-6" id="f-4055" unitRef="eur">33000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1342" decimals="-6" id="f-4056" unitRef="eur">8000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1343" decimals="-6" id="f-4057" unitRef="eur">3000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1344" decimals="-6" id="f-4058" unitRef="eur">7000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1345" decimals="-6" id="f-4059" unitRef="eur">-23000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1346" decimals="-6" id="f-4060" unitRef="eur">27000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1347" decimals="-6" id="f-4061" unitRef="eur">35000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1348" decimals="-6" id="f-4062" unitRef="eur">12000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1349" decimals="-6" id="f-4063" unitRef="eur">2000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1350" decimals="-6" id="f-4064" unitRef="eur">11000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1351" decimals="-6" id="f-4065" unitRef="eur">-24000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1352" decimals="-6" id="f-4066" unitRef="eur">36000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1353" decimals="-6" id="f-4067" unitRef="eur">25000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1354" decimals="-6" id="f-4068" unitRef="eur">10000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1355" decimals="-6" id="f-4069" unitRef="eur">2000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1356" decimals="-6" id="f-4070" unitRef="eur">11000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1357" decimals="-6" id="f-4071" unitRef="eur">-28000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1358" decimals="-6" id="f-4072" unitRef="eur">19000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1359" decimals="-6" id="f-4073" unitRef="eur">32000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1360" decimals="-6" id="f-4074" unitRef="eur">13000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1361" decimals="-6" id="f-4075" unitRef="eur">7000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1362" decimals="-6" id="f-4076" unitRef="eur">5000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1363" decimals="-6" id="f-4077" unitRef="eur">-28000000</bbva:VaRByRiskFactor>
    <bbva:VaRByRiskFactor contextRef="c-1296" decimals="-6" id="f-4078" unitRef="eur">29000000</bbva:VaRByRiskFactor>
    <bbva:ImpactOfTheStressTestTableTextBlock contextRef="c-1" id="f-4079">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.163%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.149%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impact of the stress test (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Venezuela&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Expected shortfall&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ImpactOfTheStressTestTableTextBlock>
    <bbva:ExpectedShortfall contextRef="c-1364" decimals="-6" id="f-4080" unitRef="eur">-132000000</bbva:ExpectedShortfall>
    <bbva:ExpectedShortfall contextRef="c-1365" decimals="-6" id="f-4081" unitRef="eur">-66000000</bbva:ExpectedShortfall>
    <bbva:ExpectedShortfall contextRef="c-1366" decimals="-6" id="f-4082" unitRef="eur">-25000000</bbva:ExpectedShortfall>
    <bbva:ExpectedShortfall contextRef="c-1367" decimals="-6" id="f-4083" unitRef="eur">0</bbva:ExpectedShortfall>
    <bbva:ExpectedShortfall contextRef="c-1368" decimals="-6" id="f-4084" unitRef="eur">-29000000</bbva:ExpectedShortfall>
    <bbva:ExpectedShortfall contextRef="c-1369" decimals="-6" id="f-4085" unitRef="eur">-3000000</bbva:ExpectedShortfall>
    <bbva:ExpectedShortfall contextRef="c-1370" decimals="-6" id="f-4086" unitRef="eur">-10000000</bbva:ExpectedShortfall>
    <bbva:EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock contextRef="c-1" id="f-4087">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A summary of the effect of offsetting (via netting and collateral) for derivatives and securities operations is presented below as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.562%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effect of offsetting for derivatives and securities operation (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross amounts not offset in the consolidated balance sheets &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross amounts recognized (A)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Gross amounts offset in the consolidated balance sheets (B)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount presented in the consolidated balance sheets (C=A-B)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial instruments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cash collateral received/ pledged&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net amount &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,523&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,566&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;148&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase, securities borrowing and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;65,401&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;46,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,959&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;110,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;83,165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;73,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,566&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;194&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,362&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;458&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repurchase, securities lending and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87,893&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;131,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;104,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;95,943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;458&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,775&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,072&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase, securities borrowing and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,227&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,227&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79,980&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;124,869&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;116,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;105,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,320&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,536&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repurchase, securities lending and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;104,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;104,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;104,920&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;149,456&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;140,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;132,274&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;957&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase, securities borrowing and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,069&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;99,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;88,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;78,088&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;998&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading and hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10 / 15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51,767&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,195&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repurchase, securities lending and similar agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;54,382&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;54,382&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,095&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;106,149&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,554&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;95,594&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;83,729&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,576&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,290&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) It corresponds to the aggregation of the net amounts presented in the balance sheet, less the gross amount which is not offset in the balance sheet, corresponding to each Group entity that records a deficit in this regard.&lt;/span&gt;&lt;/div&gt;</bbva:EffectOffsettingForDerivativesAndSecuritiesOperationTableTextBlock>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1371" decimals="-6" id="f-4088" unitRef="eur">45523000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1371" decimals="-6" id="f-4089" unitRef="eur">8362000000</ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1371" decimals="-6" id="f-4090" unitRef="eur">37161000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1371" decimals="-6" id="f-4091" unitRef="eur">27446000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1371" decimals="-6" id="f-4092" unitRef="eur">9566000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1371" decimals="-6" id="f-4093" unitRef="eur">148000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1372" decimals="-6" id="f-4094" unitRef="eur">65401000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1372" decimals="-6" id="f-4095" unitRef="eur">19397000000</ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1372" decimals="-6" id="f-4096" unitRef="eur">46005000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1372" decimals="-6" id="f-4097" unitRef="eur">45959000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1372" decimals="-6" id="f-4098" unitRef="eur">0</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1372" decimals="-6" id="f-4099" unitRef="eur">46000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1373" decimals="-6" id="f-4100" unitRef="eur">110924000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1373" decimals="-6" id="f-4101" unitRef="eur">27759000000</ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1373" decimals="-6" id="f-4102" unitRef="eur">83165000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1373" decimals="-6" id="f-4103" unitRef="eur">73405000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1373" decimals="-6" id="f-4104" unitRef="eur">9566000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1373" decimals="-6" id="f-4105" unitRef="eur">194000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1374" decimals="-6" id="f-4106" unitRef="eur">43924000000</ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1374" decimals="-6" id="f-4107" unitRef="eur">8362000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1374" decimals="-6" id="f-4108" unitRef="eur">35562000000</ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1374" decimals="-6" id="f-4109" unitRef="eur">27446000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1374" decimals="-6" id="f-4110" unitRef="eur">7658000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1374" decimals="-6" id="f-4111" unitRef="eur">458000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1375" decimals="-6" id="f-4112" unitRef="eur">87893000000</ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1375" decimals="-6" id="f-4113" unitRef="eur">19397000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1375" decimals="-6" id="f-4114" unitRef="eur">68497000000</ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1375" decimals="-6" id="f-4115" unitRef="eur">68497000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1375" decimals="-6" id="f-4116" unitRef="eur">0</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1375" decimals="-6" id="f-4117" unitRef="eur">0</bbva:NetAmount>
    <ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1376" decimals="-6" id="f-4118" unitRef="eur">131818000000</ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1376" decimals="-6" id="f-4119" unitRef="eur">27759000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1376" decimals="-6" id="f-4120" unitRef="eur">104059000000</ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1376" decimals="-6" id="f-4121" unitRef="eur">95943000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1376" decimals="-6" id="f-4122" unitRef="eur">7658000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1376" decimals="-6" id="f-4123" unitRef="eur">458000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1377" decimals="-6" id="f-4124" unitRef="eur">44641000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1377" decimals="-6" id="f-4125" unitRef="eur">8866000000</ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1377" decimals="-6" id="f-4126" unitRef="eur">35775000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1377" decimals="-6" id="f-4127" unitRef="eur">25171000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1377" decimals="-6" id="f-4128" unitRef="eur">9532000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1377" decimals="-6" id="f-4129" unitRef="eur">1072000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1378" decimals="-6" id="f-4130" unitRef="eur">80227000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1378" decimals="-6" id="f-4131" unitRef="eur">0</ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1378" decimals="-6" id="f-4132" unitRef="eur">80227000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1378" decimals="-6" id="f-4133" unitRef="eur">79980000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1378" decimals="-6" id="f-4134" unitRef="eur">0</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1378" decimals="-6" id="f-4135" unitRef="eur">248000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1379" decimals="-6" id="f-4136" unitRef="eur">124869000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1379" decimals="-6" id="f-4137" unitRef="eur">8866000000</ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1379" decimals="-6" id="f-4138" unitRef="eur">116003000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1379" decimals="-6" id="f-4139" unitRef="eur">105151000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1379" decimals="-6" id="f-4140" unitRef="eur">9532000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1379" decimals="-6" id="f-4141" unitRef="eur">1320000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1380" decimals="-6" id="f-4142" unitRef="eur">44536000000</ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1380" decimals="-6" id="f-4143" unitRef="eur">8866000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1380" decimals="-6" id="f-4144" unitRef="eur">35670000000</ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1380" decimals="-6" id="f-4145" unitRef="eur">27354000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1380" decimals="-6" id="f-4146" unitRef="eur">7013000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1380" decimals="-6" id="f-4147" unitRef="eur">1303000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1381" decimals="-6" id="f-4148" unitRef="eur">104920000000</ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1381" decimals="-6" id="f-4149" unitRef="eur">0</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1381" decimals="-6" id="f-4150" unitRef="eur">104920000000</ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1381" decimals="-6" id="f-4151" unitRef="eur">104920000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1381" decimals="-6" id="f-4152" unitRef="eur">0</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1381" decimals="-6" id="f-4153" unitRef="eur">0</bbva:NetAmount>
    <ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1382" decimals="-6" id="f-4154" unitRef="eur">149456000000</ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1382" decimals="-6" id="f-4155" unitRef="eur">8866000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1382" decimals="-6" id="f-4156" unitRef="eur">140590000000</ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1382" decimals="-6" id="f-4157" unitRef="eur">132274000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1382" decimals="-6" id="f-4158" unitRef="eur">7013000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1382" decimals="-6" id="f-4159" unitRef="eur">1303000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1383" decimals="-6" id="f-4160" unitRef="eur">52354000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1383" decimals="-6" id="f-4161" unitRef="eur">10554000000</ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1383" decimals="-6" id="f-4162" unitRef="eur">41800000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1383" decimals="-6" id="f-4163" unitRef="eur">31019000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1383" decimals="-6" id="f-4164" unitRef="eur">9824000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1383" decimals="-6" id="f-4165" unitRef="eur">957000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1384" decimals="-6" id="f-4166" unitRef="eur">47111000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1384" decimals="-6" id="f-4167" unitRef="eur">0</ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1384" decimals="-6" id="f-4168" unitRef="eur">47111000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1384" decimals="-6" id="f-4169" unitRef="eur">47069000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1384" decimals="-6" id="f-4170" unitRef="eur">0</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1384" decimals="-6" id="f-4171" unitRef="eur">41000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1385" decimals="-6" id="f-4172" unitRef="eur">99465000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1385" decimals="-6" id="f-4173" unitRef="eur">10554000000</ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1385" decimals="-6" id="f-4174" unitRef="eur">88911000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1385" decimals="-6" id="f-4175" unitRef="eur">78088000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1385" decimals="-6" id="f-4176" unitRef="eur">9824000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1385" decimals="-6" id="f-4177" unitRef="eur">998000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1386" decimals="-6" id="f-4178" unitRef="eur">51767000000</ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1386" decimals="-6" id="f-4179" unitRef="eur">10554000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1386" decimals="-6" id="f-4180" unitRef="eur">41213000000</ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1386" decimals="-6" id="f-4181" unitRef="eur">31028000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1386" decimals="-6" id="f-4182" unitRef="eur">8990000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1386" decimals="-6" id="f-4183" unitRef="eur">1195000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1387" decimals="-6" id="f-4184" unitRef="eur">54382000000</ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1387" decimals="-6" id="f-4185" unitRef="eur">0</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1387" decimals="-6" id="f-4186" unitRef="eur">54382000000</ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1387" decimals="-6" id="f-4187" unitRef="eur">52701000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1387" decimals="-6" id="f-4188" unitRef="eur">586000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1387" decimals="-6" id="f-4189" unitRef="eur">1095000000</bbva:NetAmount>
    <ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1388" decimals="-6" id="f-4190" unitRef="eur">106149000000</ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-1388" decimals="-6" id="f-4191" unitRef="eur">10554000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-1388" decimals="-6" id="f-4192" unitRef="eur">95594000000</ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1388" decimals="-6" id="f-4193" unitRef="eur">83729000000</bbva:FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets contextRef="c-1388" decimals="-6" id="f-4194" unitRef="eur">9576000000</bbva:CashCollateralReceivedPledgedGrossAmountNotOffsetInTheConsolidatedBalanceSheets>
    <bbva:NetAmount contextRef="c-1388" decimals="-6" id="f-4195" unitRef="eur">2290000000</bbva:NetAmount>
    <bbva:LtSCDByLMUTableTextBlock contextRef="c-1" id="f-4196">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The performance of the indicators show that the funding structure remained steady during 2024, 2023 and 2022, in the sense that all LMU held self-funding levels with stable customer resources above the requirements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.345%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LtSCD by LMU&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Group (average)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;102 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;96 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;98 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;115 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;102 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;98 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;90 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;78 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other LMU&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;104 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;96 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:LtSCDByLMUTableTextBlock>
    <bbva:AverageLtSCDByLMU contextRef="c-1" decimals="2" id="f-4197" unitRef="number">1.02</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU contextRef="c-22" decimals="2" id="f-4198" unitRef="number">0.99</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU contextRef="c-23" decimals="2" id="f-4199" unitRef="number">0.96</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1389"
      decimals="2"
      id="f-4200"
      unitRef="number">1.01</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1390"
      decimals="2"
      id="f-4201"
      unitRef="number">1</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1391"
      decimals="2"
      id="f-4202"
      unitRef="number">0.98</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1392"
      decimals="2"
      id="f-4203"
      unitRef="number">1.15</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1393"
      decimals="2"
      id="f-4204"
      unitRef="number">1.02</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1394"
      decimals="2"
      id="f-4205"
      unitRef="number">0.98</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1395"
      decimals="2"
      id="f-4206"
      unitRef="number">0.90</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1396"
      decimals="2"
      id="f-4207"
      unitRef="number">0.78</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1397"
      decimals="2"
      id="f-4208"
      unitRef="number">0.83</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1398"
      decimals="2"
      id="f-4209"
      unitRef="number">0.99</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1399"
      decimals="2"
      id="f-4210"
      unitRef="number">1.04</bbva:AverageLtSCDByLMU>
    <bbva:AverageLtSCDByLMU
      contextRef="c-1400"
      decimals="2"
      id="f-4211"
      unitRef="number">0.96</bbva:AverageLtSCDByLMU>
    <bbva:LCRMainLMUTableTextBlock contextRef="c-1" id="f-4212">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.420%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.394%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LCR main LMU&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Group &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;134 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;149 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;159 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;156 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;178 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;186 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;146 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;192 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;199 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;141 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;212 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;185 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:LCRMainLMUTableTextBlock>
    <bbva:AverageLCRMainLMU contextRef="c-13" decimals="2" id="f-4213" unitRef="number">1.34</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU contextRef="c-20" decimals="2" id="f-4214" unitRef="number">1.49</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU contextRef="c-21" decimals="2" id="f-4215" unitRef="number">1.59</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU
      contextRef="c-1401"
      decimals="2"
      id="f-4216"
      unitRef="number">1.56</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU
      contextRef="c-1402"
      decimals="2"
      id="f-4217"
      unitRef="number">1.78</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU
      contextRef="c-1403"
      decimals="2"
      id="f-4218"
      unitRef="number">1.86</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU
      contextRef="c-1404"
      decimals="2"
      id="f-4219"
      unitRef="number">1.46</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU
      contextRef="c-1405"
      decimals="2"
      id="f-4220"
      unitRef="number">1.92</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU
      contextRef="c-1406"
      decimals="2"
      id="f-4221"
      unitRef="number">1.99</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU
      contextRef="c-1407"
      decimals="2"
      id="f-4222"
      unitRef="number">1.41</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU
      contextRef="c-1408"
      decimals="2"
      id="f-4223"
      unitRef="number">2.12</bbva:AverageLCRMainLMU>
    <bbva:AverageLCRMainLMU
      contextRef="c-1409"
      decimals="2"
      id="f-4224"
      unitRef="number">1.85</bbva:AverageLCRMainLMU>
    <bbva:LiquidityAvailableByInstrumentTableTextBlock contextRef="c-1" id="f-4225">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The table below shows the liquidity available by instrument as of December 31, 2024, 2023 and 2022 for the most significant entities based on prudential supervisor&#x2019;s information (Commission Implementing Regulations (EU) 2021/451 of December 17, 2020):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.242%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Liquidity available by instrument (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;BBVA Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Cash and withdrawable central bank reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43,931&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;48,271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,001&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,712&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,865&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,899&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,731&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,921&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,265&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Level 1 tradable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31,606&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,081&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,783&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,836&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Level 2A tradable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;194&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;919&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,450&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;246&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Level 2B tradable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,762&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,471&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other tradable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44,324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,708&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;598&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;469&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;816&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;398&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;926&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non tradable assets eligible for central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cumulated counterbalancing capacity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;116,706&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;123,696&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;110,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21,869&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;30,903&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;27,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17,562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,414&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17,806&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,136&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:LiquidityAvailableByInstrumentTableTextBlock>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1410" decimals="-6" id="f-4226" unitRef="eur">16004000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1411" decimals="-6" id="f-4227" unitRef="eur">43931000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1412" decimals="-6" id="f-4228" unitRef="eur">48271000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1413" decimals="-6" id="f-4229" unitRef="eur">12001000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1414" decimals="-6" id="f-4230" unitRef="eur">9712000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1415" decimals="-6" id="f-4231" unitRef="eur">12865000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1416" decimals="-6" id="f-4232" unitRef="eur">10344000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1417" decimals="-6" id="f-4233" unitRef="eur">9899000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1418" decimals="-6" id="f-4234" unitRef="eur">6731000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1419" decimals="-6" id="f-4235" unitRef="eur">8101000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1420" decimals="-6" id="f-4236" unitRef="eur">5921000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1421" decimals="-6" id="f-4237" unitRef="eur">5265000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1422" decimals="-6" id="f-4238" unitRef="eur">50199000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1423" decimals="-6" id="f-4239" unitRef="eur">31606000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1424" decimals="-6" id="f-4240" unitRef="eur">33081000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1425" decimals="-6" id="f-4241" unitRef="eur">8783000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1426" decimals="-6" id="f-4242" unitRef="eur">20345000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1427" decimals="-6" id="f-4243" unitRef="eur">13974000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1428" decimals="-6" id="f-4244" unitRef="eur">6402000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1429" decimals="-6" id="f-4245" unitRef="eur">6117000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1430" decimals="-6" id="f-4246" unitRef="eur">9165000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1431" decimals="-6" id="f-4247" unitRef="eur">8749000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1432" decimals="-6" id="f-4248" unitRef="eur">8429000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1433" decimals="-6" id="f-4249" unitRef="eur">7836000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1434" decimals="-6" id="f-4250" unitRef="eur">194000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1435" decimals="-6" id="f-4251" unitRef="eur">919000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1436" decimals="-6" id="f-4252" unitRef="eur">3450000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1437" decimals="-6" id="f-4253" unitRef="eur">327000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1438" decimals="-6" id="f-4254" unitRef="eur">246000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1439" decimals="-6" id="f-4255" unitRef="eur">47000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1440" decimals="-6" id="f-4256" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1441" decimals="-6" id="f-4257" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1442" decimals="-6" id="f-4258" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1443" decimals="-6" id="f-4259" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1444" decimals="-6" id="f-4260" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1445" decimals="-6" id="f-4261" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1446" decimals="-6" id="f-4262" unitRef="eur">3762000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1447" decimals="-6" id="f-4263" unitRef="eur">2916000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1448" decimals="-6" id="f-4264" unitRef="eur">3471000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1449" decimals="-6" id="f-4265" unitRef="eur">159000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1450" decimals="-6" id="f-4266" unitRef="eur">132000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1451" decimals="-6" id="f-4267" unitRef="eur">35000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1452" decimals="-6" id="f-4268" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1453" decimals="-6" id="f-4269" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1454" decimals="-6" id="f-4270" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1455" decimals="-6" id="f-4271" unitRef="eur">31000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1456" decimals="-6" id="f-4272" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1457" decimals="-6" id="f-4273" unitRef="eur">1000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1458" decimals="-6" id="f-4274" unitRef="eur">46537000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1459" decimals="-6" id="f-4275" unitRef="eur">44324000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1460" decimals="-6" id="f-4276" unitRef="eur">22708000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1461" decimals="-6" id="f-4277" unitRef="eur">598000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1462" decimals="-6" id="f-4278" unitRef="eur">469000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1463" decimals="-6" id="f-4279" unitRef="eur">467000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1464" decimals="-6" id="f-4280" unitRef="eur">816000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1465" decimals="-6" id="f-4281" unitRef="eur">398000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1466" decimals="-6" id="f-4282" unitRef="eur">285000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1467" decimals="-6" id="f-4283" unitRef="eur">926000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1468" decimals="-6" id="f-4284" unitRef="eur">753000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1469" decimals="-6" id="f-4285" unitRef="eur">1035000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1470" decimals="-6" id="f-4286" unitRef="eur">11000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1471" decimals="-6" id="f-4287" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1472" decimals="-6" id="f-4288" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1473" decimals="-6" id="f-4289" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1474" decimals="-6" id="f-4290" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1475" decimals="-6" id="f-4291" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1476" decimals="-6" id="f-4292" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1477" decimals="-6" id="f-4293" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1478" decimals="-6" id="f-4294" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1479" decimals="-6" id="f-4295" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1480" decimals="-6" id="f-4296" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1481" decimals="-6" id="f-4297" unitRef="eur">0</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1482" decimals="-6" id="f-4298" unitRef="eur">116706000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1483" decimals="-6" id="f-4299" unitRef="eur">123696000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1484" decimals="-6" id="f-4300" unitRef="eur">110981000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1485" decimals="-6" id="f-4301" unitRef="eur">21869000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1486" decimals="-6" id="f-4302" unitRef="eur">30903000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1487" decimals="-6" id="f-4303" unitRef="eur">27388000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1488" decimals="-6" id="f-4304" unitRef="eur">17562000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1489" decimals="-6" id="f-4305" unitRef="eur">16414000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1490" decimals="-6" id="f-4306" unitRef="eur">16181000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1491" decimals="-6" id="f-4307" unitRef="eur">17806000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1492" decimals="-6" id="f-4308" unitRef="eur">15102000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk contextRef="c-1493" decimals="-6" id="f-4309" unitRef="eur">14136000000</ifrs-full:FinancialAssetsHeldForManagingLiquidityRisk>
    <bbva:NSFRMainLMUTableTextBlock contextRef="c-1" id="f-4310">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The NSFR of BBVA Group and its main LMU as of December 31, 2024, 2023 and 2022, was the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.439%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;NSFR main LMU&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Group &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;127 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;131 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;135 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;120 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;125 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;131 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;140 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;143 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;149 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;178 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;166 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:NSFRMainLMUTableTextBlock>
    <bbva:AverageNSFRMainLMU contextRef="c-13" decimals="2" id="f-4311" unitRef="number">1.27</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU contextRef="c-20" decimals="2" id="f-4312" unitRef="number">1.31</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU contextRef="c-21" decimals="2" id="f-4313" unitRef="number">1.35</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU
      contextRef="c-1494"
      decimals="2"
      id="f-4314"
      unitRef="number">1.19</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU
      contextRef="c-1495"
      decimals="2"
      id="f-4315"
      unitRef="number">1.20</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU
      contextRef="c-1496"
      decimals="2"
      id="f-4316"
      unitRef="number">1.25</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU
      contextRef="c-1497"
      decimals="2"
      id="f-4317"
      unitRef="number">1.31</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU
      contextRef="c-1498"
      decimals="2"
      id="f-4318"
      unitRef="number">1.40</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU
      contextRef="c-1499"
      decimals="2"
      id="f-4319"
      unitRef="number">1.43</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU
      contextRef="c-1500"
      decimals="2"
      id="f-4320"
      unitRef="number">1.49</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU
      contextRef="c-1501"
      decimals="2"
      id="f-4321"
      unitRef="number">1.78</bbva:AverageNSFRMainLMU>
    <bbva:AverageNSFRMainLMU
      contextRef="c-1502"
      decimals="2"
      id="f-4322"
      unitRef="number">1.66</bbva:AverageNSFRMainLMU>
    <bbva:ResidualMaturitiesByContractualPeriodsTableTextBlock contextRef="c-1" id="f-4323">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Below is a matrix of residual maturities by contractual periods based on supervisory prudential reporting as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2024. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,087&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49,212&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,246&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;541&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;647&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;918&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,805&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in other financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;681&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,502&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Reverse repo, securities borrowing and margin lending&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,594&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,675&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,008&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;122&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;67,565&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;29,770&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,928&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,469&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;105,649&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;375,837&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Securities' portfolio settlement&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,861&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,741&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,084&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,531&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,922&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,625&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,053&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,972&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44,850&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;127,640&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2024. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,484&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,816&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,536&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,517&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;75,608&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,600&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,070&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;644&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;570&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;743&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,765&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from other financial institutions and international agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,466&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,584&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;922&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;742&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,581&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;318,252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50,789&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,329&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,055&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;787&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;416,841&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Security pledge funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;74,614&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,093&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,452&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,355&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,223&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,454&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;445&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;105,159&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives, net&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(388)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(142)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;142&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;549&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(122)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2023. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,353&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;61,678&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;72,031&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,676&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;393&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;594&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;136&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,672&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in other financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;649&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;965&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,882&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Reverse repo, securities borrowing and margin lending&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21,683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,398&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,596&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,817&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;86,382&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28,644&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;30,850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19,029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;104,086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;346,433&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Securities' portfolio settlement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,011&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,633&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,578&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,266&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;29,245&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;118,424&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;December 2023. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,187&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,518&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,225&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,296&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;74,639&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,076&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;795&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,011&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from other financial institutions and international agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,507&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,806&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,036&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,033&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22,535&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;304,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44,745&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,225&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,855&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,905&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;390,959&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Security pledge funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;86,908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;30,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,274&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;133,615&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;69&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(135)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2,616)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,009)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,227&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;75,724&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,870&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;468&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,040&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits in other financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,012&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;746&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;516&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;971&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;816&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;551&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;830&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,988&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Reverse repo, securities borrowing and margin lending&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,743&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,432&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,127&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;289&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,343&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;99&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,827&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,766&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,510&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43,828&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;96,201&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;327,534&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Securities' portfolio settlement&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,031&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,107&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,200&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,305&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,746&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,417&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,744&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23,307&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31,480&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107,338&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022. Contractual maturities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Demand &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Up to 1 month&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 3 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 6 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6 to 9 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9 to 12 months&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1 to 2 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3 to 5 years &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,050&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,148&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,423&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,282&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;59,658&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,885&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;628&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;806&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;694&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;399&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-right:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,899&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits from other financial institutions and international agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,392&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;464&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;379&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;594&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;727&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,532&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;302,667&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;38,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,776&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,575&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,870&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,276&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;798&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;273&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;376,203&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Security pledge funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,736&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,136&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:2pt solid #FFFFFF;border-top:2pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;575&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;100,013&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives, net&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(253)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,010)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;175&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(153)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(466)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3,717)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5,383)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ResidualMaturitiesByContractualPeriodsTableTextBlock>
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    <bbva:FinancialLiabilitiesLiquidityRisk contextRef="c-1898" decimals="-6" id="f-4719" unitRef="eur">-5383000000</bbva:FinancialLiabilitiesLiquidityRisk>
    <bbva:WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock contextRef="c-1" id="f-4720">&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Issuer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Type of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Date of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Nominal (millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Coupon&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Early redemption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Maturity date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="10" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA, S.A.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jan-24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.875%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jan-34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Feb-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.875%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Nov-30 to Feb-31&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Feb-36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.381%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-29&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior non-preferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.033%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-35&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred (green bond)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.500%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mar-31&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:30pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3 month Euribor rate + 45 basis points&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-27&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Senior preferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.625%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-30&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AT1 (CoCo)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jun-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.875%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dec-30 to Jun-31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Perpetual&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Aug-24&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #dbdbdb;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.375%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;May-31 to Aug-31&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Aug-36&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock>
    <bbva:SeniorPreferred contextRef="c-1899" decimals="-6" id="f-4721" unitRef="eur">1250000000</bbva:SeniorPreferred>
    <bbva:Tier2 contextRef="c-1900" decimals="-6" id="f-4722" unitRef="eur">1250000000</bbva:Tier2>
    <bbva:SeniorPreferred contextRef="c-1901" decimals="-6" id="f-4723" unitRef="eur">1000000000</bbva:SeniorPreferred>
    <bbva:SeniorNonPreferred contextRef="c-1902" decimals="-6" id="f-4724" unitRef="eur">1000000000</bbva:SeniorNonPreferred>
    <bbva:SeniorPreferredGreenBond contextRef="c-1903" decimals="-6" id="f-4725" unitRef="eur">1000000000</bbva:SeniorPreferredGreenBond>
    <bbva:SeniorPreferred contextRef="c-1904" decimals="-6" id="f-4726" unitRef="eur">1000000000</bbva:SeniorPreferred>
    <bbva:SeniorPreferred contextRef="c-1905" decimals="-6" id="f-4727" unitRef="eur">750000000</bbva:SeniorPreferred>
    <bbva:AT1CoCo contextRef="c-1906" decimals="-6" id="f-4728" unitRef="eur">750000000</bbva:AT1CoCo>
    <bbva:Tier2 contextRef="c-1907" decimals="-6" id="f-4729" unitRef="eur">1000000000</bbva:Tier2>
    <bbva:EncumberedAndUnencumberedAsstesTableTextBlock contextRef="c-1" id="f-4730">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the encumbered (those provided as collateral for certain liabilities) and unencumbered assets are broken down as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.625%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.371%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.378%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Encumbered and unencumbered assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Encumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unencumbered assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Book value &lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Book value &lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;68,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;78,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;92,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;704,134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;696,972&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;619,177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;819&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;819&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11,293&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43,404&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32,291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;102,333&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88,976&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;92,665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;102,333&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88,976&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;92,665&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances and other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26,535&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;58,563&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;584,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;594,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;515,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:EncumberedAndUnencumberedAsstesTableTextBlock>
    <bbva:EncumberedAssets contextRef="c-1908" decimals="-6" id="f-4731" unitRef="eur">68268000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1909" decimals="-6" id="f-4732" unitRef="eur">78586000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1910" decimals="-6" id="f-4733" unitRef="eur">92916000000</bbva:EncumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1908" decimals="-6" id="f-4734" unitRef="eur">704134000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1909" decimals="-6" id="f-4735" unitRef="eur">696972000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1910" decimals="-6" id="f-4736" unitRef="eur">619177000000</bbva:UnencumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1911" decimals="-6" id="f-4737" unitRef="eur">834000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1912" decimals="-6" id="f-4738" unitRef="eur">592000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1913" decimals="-6" id="f-4739" unitRef="eur">819000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1914" decimals="-6" id="f-4740" unitRef="eur">834000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1915" decimals="-6" id="f-4741" unitRef="eur">592000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1916" decimals="-6" id="f-4742" unitRef="eur">819000000</bbva:EncumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1911" decimals="-6" id="f-4743" unitRef="eur">17159000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1912" decimals="-6" id="f-4744" unitRef="eur">13176000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1913" decimals="-6" id="f-4745" unitRef="eur">11293000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1914" decimals="-6" id="f-4746" unitRef="eur">17159000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1915" decimals="-6" id="f-4747" unitRef="eur">13176000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1916" decimals="-6" id="f-4748" unitRef="eur">11293000000</bbva:UnencumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1917" decimals="-6" id="f-4749" unitRef="eur">43404000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1918" decimals="-6" id="f-4750" unitRef="eur">51458000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1919" decimals="-6" id="f-4751" unitRef="eur">33533000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1920" decimals="-6" id="f-4752" unitRef="eur">45639000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1921" decimals="-6" id="f-4753" unitRef="eur">50818000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1922" decimals="-6" id="f-4754" unitRef="eur">32291000000</bbva:EncumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1917" decimals="-6" id="f-4755" unitRef="eur">102333000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1918" decimals="-6" id="f-4756" unitRef="eur">88976000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1919" decimals="-6" id="f-4757" unitRef="eur">92665000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1920" decimals="-6" id="f-4758" unitRef="eur">102333000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1921" decimals="-6" id="f-4759" unitRef="eur">88976000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1922" decimals="-6" id="f-4760" unitRef="eur">92665000000</bbva:UnencumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1923" decimals="-6" id="f-4761" unitRef="eur">24030000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1924" decimals="-6" id="f-4762" unitRef="eur">26535000000</bbva:EncumberedAssets>
    <bbva:EncumberedAssets contextRef="c-1925" decimals="-6" id="f-4763" unitRef="eur">58563000000</bbva:EncumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1923" decimals="-6" id="f-4764" unitRef="eur">584641000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1924" decimals="-6" id="f-4765" unitRef="eur">594821000000</bbva:UnencumberedAssets>
    <bbva:UnencumberedAssets contextRef="c-1925" decimals="-6" id="f-4766" unitRef="eur">515218000000</bbva:UnencumberedAssets>
    <bbva:CollateralPledgesReceivedTableTextBlock contextRef="c-1" id="f-4767">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, 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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.556%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.916%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Collateral received (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value of encumbered collateral received or own debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Fair value of collateral received or own debt securities issued not available for encumbrance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Collateral received&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;40,877&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;73,836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;40,701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,917&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;14,825&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,415&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,279&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;40,663&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;72,817&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;40,378&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,754&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,279&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans and advances and other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Own debt securities issued other than own covered bonds or ABSs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;74&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:CollateralPledgesReceivedTableTextBlock>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1926" decimals="-6" id="f-4768" unitRef="eur">40877000000</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1927" decimals="-6" id="f-4769" unitRef="eur">73836000000</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1928" decimals="-6" id="f-4770" unitRef="eur">40701000000</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1926" decimals="-6" id="f-4771" unitRef="eur">14917000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1927" decimals="-6" id="f-4772" unitRef="eur">14825000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1928" decimals="-6" id="f-4773" unitRef="eur">9415000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1926" decimals="-6" id="f-4774" unitRef="eur">1151000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1927" decimals="-6" id="f-4775" unitRef="eur">996000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1928" decimals="-6" id="f-4776" unitRef="eur">1279000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1929" decimals="-6" id="f-4777" unitRef="eur">215000000</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1930" decimals="-6" id="f-4778" unitRef="eur">1019000000</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1931" decimals="-6" id="f-4779" unitRef="eur">323000000</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1929" decimals="-6" id="f-4780" unitRef="eur">162000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1930" decimals="-6" id="f-4781" unitRef="eur">51000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1931" decimals="-6" id="f-4782" unitRef="eur">759000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1929" decimals="-6" id="f-4783" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1930" decimals="-6" id="f-4784" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1931" decimals="-6" id="f-4785" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1932" decimals="-6" id="f-4786" unitRef="eur">40663000000</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1933" decimals="-6" id="f-4787" unitRef="eur">72817000000</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1934" decimals="-6" id="f-4788" unitRef="eur">40378000000</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1932" decimals="-6" id="f-4789" unitRef="eur">14754000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1933" decimals="-6" id="f-4790" unitRef="eur">14774000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1934" decimals="-6" id="f-4791" unitRef="eur">8656000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1932" decimals="-6" id="f-4792" unitRef="eur">1151000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1933" decimals="-6" id="f-4793" unitRef="eur">996000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1934" decimals="-6" id="f-4794" unitRef="eur">1279000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1935" decimals="-6" id="f-4795" unitRef="eur">0</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1936" decimals="-6" id="f-4796" unitRef="eur">0</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1937" decimals="-6" id="f-4797" unitRef="eur">0</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1935" decimals="-6" id="f-4798" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1936" decimals="-6" id="f-4799" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1937" decimals="-6" id="f-4800" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1935" decimals="-6" id="f-4801" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1936" decimals="-6" id="f-4802" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1937" decimals="-6" id="f-4803" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1938" decimals="-6" id="f-4804" unitRef="eur">0</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1939" decimals="-6" id="f-4805" unitRef="eur">0</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued contextRef="c-1940" decimals="-6" id="f-4806" unitRef="eur">0</bbva:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1938" decimals="-6" id="f-4807" unitRef="eur">66000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1939" decimals="-6" id="f-4808" unitRef="eur">74000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance contextRef="c-1940" decimals="-6" id="f-4809" unitRef="eur">92000000</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1938" decimals="-6" id="f-4810" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1939" decimals="-6" id="f-4811" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance contextRef="c-1940" decimals="-6" id="f-4812" unitRef="eur">0</bbva:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance>
    <bbva:SourcesOfEncumbranceTableTextBlock contextRef="c-1" id="f-4813">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, financial liabilities issued related to encumbered assets in financial transactions as well as their book value were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.076%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Sources of encumbrance (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Matching liabilities, contingent liabilities or securities lent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Assets, collateral received and own&lt;br/&gt;debt securities issued other than covered bonds and ABSs encumbered&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Book value of financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;109,833&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;151,766&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;122,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;107,067&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;149,853&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;128,628&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,047&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,895&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14,698&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,756&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16,699&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;84,604&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;126,777&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;95,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;81,938&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;126,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;99,077&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Outstanding subordinated debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,094&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,722&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9,554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12,852&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other sources&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,141&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;731&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,079&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,989&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:SourcesOfEncumbranceTableTextBlock>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1941" decimals="-6" id="f-4814" unitRef="eur">109833000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1942" decimals="-6" id="f-4815" unitRef="eur">151766000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1943" decimals="-6" id="f-4816" unitRef="eur">122400000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1941" decimals="-6" id="f-4817" unitRef="eur">107067000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1942" decimals="-6" id="f-4818" unitRef="eur">149853000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1943" decimals="-6" id="f-4819" unitRef="eur">128628000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1944" decimals="-6" id="f-4820" unitRef="eur">17047000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1945" decimals="-6" id="f-4821" unitRef="eur">15895000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1946" decimals="-6" id="f-4822" unitRef="eur">15950000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1944" decimals="-6" id="f-4823" unitRef="eur">14698000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1945" decimals="-6" id="f-4824" unitRef="eur">13756000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1946" decimals="-6" id="f-4825" unitRef="eur">16699000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1947" decimals="-6" id="f-4826" unitRef="eur">84604000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1948" decimals="-6" id="f-4827" unitRef="eur">126777000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1949" decimals="-6" id="f-4828" unitRef="eur">95728000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1947" decimals="-6" id="f-4829" unitRef="eur">81938000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1948" decimals="-6" id="f-4830" unitRef="eur">126543000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1949" decimals="-6" id="f-4831" unitRef="eur">99077000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1950" decimals="-6" id="f-4832" unitRef="eur">8182000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1951" decimals="-6" id="f-4833" unitRef="eur">9094000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1952" decimals="-6" id="f-4834" unitRef="eur">10722000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1950" decimals="-6" id="f-4835" unitRef="eur">10431000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1951" decimals="-6" id="f-4836" unitRef="eur">9554000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1952" decimals="-6" id="f-4837" unitRef="eur">12852000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1953" decimals="-6" id="f-4838" unitRef="eur">1141000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1954" decimals="-6" id="f-4839" unitRef="eur">1066000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent contextRef="c-1955" decimals="-6" id="f-4840" unitRef="eur">731000000</bbva:MatchingLiabilitiesContingentLiabilitiesOrSecuritiesLent>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1953" decimals="-6" id="f-4841" unitRef="eur">2079000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1954" decimals="-6" id="f-4842" unitRef="eur">2568000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered contextRef="c-1955" decimals="-6" id="f-4843" unitRef="eur">4989000000</bbva:AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered>
    <ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory contextRef="c-1" id="f-4844">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:26.84pt"&gt;Fair value of financial instruments &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Framework and processes control&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The process for determining the fair value established in the Group seeks to ensure 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These areas seek 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Fair value hierarchy&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, for financial assets and liabilities that show significant uncertainty in inputs or model parameters used for valuation, criteria are 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 and/or those obtained by other market participants.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Level 2: Valuation of financial instruments with commonly accepted techniques that use inputs obtained from observable data in markets. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Level 3: Valuation of financial instruments with valuation techniques that use significant unobservable inputs in the market. As of December 31, 2024, the affected instruments at fair value accounted for approximately 0.66% of financial assets and 0.48% of the Group&#x2019;s financial liabilities. Model selection and validation is undertaken by control areas outside the business areas.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:21.55pt"&gt;Fair value of financial instruments recognized at fair value, according to valuation criteria&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Below are the different elements used in the valuation technique of financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Active Market&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Furthermore, BBVA considers as traded in an &#x201c;Organized Market&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The fair value of the Group's financial instruments recognized at fair value in the consolidated balance sheets is presented below, broken down according to the valuation method used to determine their fair value, and their respective book value as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.482%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.448%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at fair value by levels. &lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;108,948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,292&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;969&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,591&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;443&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,762&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,438&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;756&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,011&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,546&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;617&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,418&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,365&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;202&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;358&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;336&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;62&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;62&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59,002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;50,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,515&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,133&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;216&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;57,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,436&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;917&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;86,591&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71,072&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,211&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;541&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;673&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,654&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,999&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;656&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,952&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,865&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,087&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,597&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,087&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,480&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.954%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at fair value by levels.&lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;141,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,972&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;116,905&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,165&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,880&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;269&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28,569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,333&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,081&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71,921&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,669&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,216&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,742&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,148&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;484&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;286&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;62,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,987&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,335&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;883&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51,961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,258&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;745&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;121,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;106,382&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,201&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;743&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,735&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;415&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,073&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,227&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;717&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;717&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,227&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.954%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at fair value by levels.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;110,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,325&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;795&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,404&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;148&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,993&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,169&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,017&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,457&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,014&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;245&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;65,374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;53,248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;589&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,040&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,479&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;489&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,887&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,129&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;746&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,002&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,487&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;127&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,590&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,698&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,590&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;The following table sets forth the main valuation techniques, hypothesis and inputs used in the estimation of fair value of the financial instruments recognized 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, 2024, 2023 and 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Fair value of Financial Instruments by levels. (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Valuation techniques in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Observable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Unobservable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Comparable pricing (Observable price in a similar market)&lt;br/&gt;Net asset value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Brokers quotes&lt;br/&gt;- Market operations&lt;br/&gt;- NAVs published&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- NAV provided by the administrator of the fund&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;br/&gt;Observed prices in non-active markets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;br/&gt;- Non active markets prices&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Recovery rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;br/&gt;- Funding interest rates observed in the market or in consensus services&lt;br/&gt;- Exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Recovery rates&lt;br/&gt;- Funding interest rates not observed in the market or in consensus services&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and  SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black, SABR  and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="5" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Implicit correlations between tenors&lt;br/&gt;- interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local Volatility, Momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;br/&gt;- Implicit dividends and long term repos&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Local volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Comparable pricing (Observable price in a similar market)&lt;br/&gt;Net asset value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Brokers quotes&lt;br/&gt;- Market operations&lt;br/&gt;- NAVs published&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- NAV provided by the administrator of the fund&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer credit risk&lt;br/&gt;- Recovery rates&lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&lt;br/&gt;Discounted future cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Interest rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Comparable pricing (Observable price in a similar market)&lt;br/&gt;Net asset value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Brokers quotes&lt;br/&gt;- Market operations&lt;br/&gt;- NAVs published&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- NAV provided by the administrator of the fund&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;br/&gt;Observed prices in non-active markets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;br/&gt;- Non active market prices&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer credit risk&lt;br/&gt;- Recovery rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and  SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black, SABR  and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Implicit correlations between tenors&lt;br/&gt;- interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local volatility, Black 76, Momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;br/&gt;- Implicit dividends and long term repos&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Local volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="border-bottom:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-bottom:1pt solid #242424;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair Value of Financial Instruments by Levels&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Valuation techniques in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Observable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Unobservable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Interest rate yield&lt;br/&gt;- Funding interest rates observed in the market or in consensus services&lt;br/&gt;-  Exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Funding interest rates not observed in the market or in consensus services&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black 76, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black,  SABR and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="4" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Correlation between tenors&lt;br/&gt;- Interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local volatility, momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Assets correlation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Black 76, Local volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Assets correlation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#DADADA;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Short positions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Prepayment rates&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Issuer&#xb4;s credit risk&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Current market interest rates&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black 76, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black,  SABR and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="5" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Implicit correlations between tenors&lt;br/&gt;- interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local volatility, momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;br/&gt;- Implicit dividends and long term repos&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Black 76, Local Volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#DADADA;border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Main valuation techniques&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:72pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Recovery rate: This input represents the percentage of principal and interest recovered from a debt instrument that has defaulted.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 &#x201c;Credit default volatility&#x201d; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Unobservable inputs&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%"&gt;Quantitative information of unobservable inputs used to calculate level 3 valuations is presented below as of December 31, 2024, 2023 and 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.624%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unobservable inputs. December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Valuation technique(s)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Significant unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,907&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;bp&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:13pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Recovery rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable Pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;233 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity/Fund instruments&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net Asset Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" rowspan="2" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable Pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repo funding curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Black 76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Price volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on equities, baskets of equity, funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dividends (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(88 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.07&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30.90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;122.35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;FX Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on FX underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14.91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:22pt"&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;IR Derivatives&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on IR underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Beta&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(100 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/inflation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;74 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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.  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) The range of unobservable dividends is too wide range to be relevant.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.050%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.050%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.697%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#e9e9e9;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unobservable inputs. December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Valuation technique(s)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Significant unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;136&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;bp&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Recovery rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable Pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;237 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity/Fund instruments &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net Asset Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" rowspan="2" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable Pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repo funding curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.26 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.74 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Black 76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Price volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on equities, baskets of equity, funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dividends (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(88 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29.41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;70.94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;FX Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on FX underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;IR Derivatives&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on IR underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Beta&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(100 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/inflation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;74%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) The range of unobservable dividends is too wide range to be relevant.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.967%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.162%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#e9e9e9;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unobservable inputs. December 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Valuation technique(s)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Significant unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,538&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;bp&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:13pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Recovery rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;94 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity/Fund instruments &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net asset value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repo funding curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.71 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Black 76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Price volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on equities, baskets of equity, funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dividends (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(93 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32.62&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;98.71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;FX derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on FX underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20.73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:22pt"&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;IR derivatives&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on IR underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Beta&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:24pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(100 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/inflation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Adjustments to the valuation &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In order to comply with the fair value requirements, the entity applies adjustments to the fair valuation considering inherent and counterparties&#xb4; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%"&gt;Adjustments to the valuation for risk of default&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Credit Valuation Adjustment (hereinafter &#x201c;CVA&#x201d;) and Debit Valuation Adjustments (hereinafter &#x201c;DVA&#x201d;) 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The calculation of the expected positive and negative exposure is done through a Montecarlo simulation of the market variables involved in all trades&#x2019; valuation under the same legal netting set. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The information needed to calculate the probability of default and the loss given default of a counterparty comes from the credit markets. The counterparty&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;An additional adjustment for Own Credit Adjustment (hereinafter "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, 2024 and 2023, related to OCA were &#x20ac;393 million and &#x20ac;406 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amounts recognized in the consolidated balance sheets as of December 31, 2024, 2023 and 2022 related to the valuation adjustments incorporated to the credit assessment derivative assets amounted to &#x20ac;-205 million &#x20ac;-133 million and &#x20ac;-158 million, respectively as Credit Valuation Adjustments (CVA), and amounted to &#x20ac;116 million, &#x20ac;91 million and &#x20ac;135 million, respectively as Debit Valuation Adjustment (DVA). The impact recorded under &#x201c;Gains (losses) on financial assets and liabilities held for trading, net&#x201d; in the consolidated income statement was &#x20ac;17 million for the year ended December 31, 2024 and &#x20ac;26 million and &#x20ac;0 million in 2023 and 2022, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%"&gt;Valuation adjustments for financing risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, as of December 31, 2024, 2023 and 2022, &#x20ac;-19 million, &#x20ac;-16 million and &#x20ac;-16 million related to the FVA were recognized in the consolidated balance sheet, being the impact on results not significant.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#2a86ca;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Valuation adjustments for valuation uncertainty&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The impact recorded under &#x201c;Gains (losses) on financial assets and liabilities held for trading, net&#x201d; in the consolidated income statement for the year ended December 31, 2024 corresponding to the mentioned adjustments was a net impact of &#x20ac;-53 million. An adjustment was also made as of December 31, 2024 on financial assets at fair value through other comprehensive income for a total of &#x20ac;-17 million (&#x20ac;-15 million and &#x20ac;-11 million in 2023 and 2022, respectively). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:8pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Financial assets and liabilities classified as level 3&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The changes in the balance of level 3 financial assets and liabilities included in the consolidated balance sheets are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.279%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.841%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets level 3: Changes in the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,264&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,931&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,743&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,301&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,054&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes in fair value recognized in profit and loss &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;289&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(131)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes in fair value not recognized in profit and loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Acquisitions, disposals and liquidations&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(783)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;782&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net transfers to level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(330)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(165)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;289&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;74&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,843&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,264&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,931&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,743&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(2) Profit or loss that is attributable to gains or losses relating to those financial assets and liabilities held as of December 31, 2024, 2023 and 2022. Valuation adjustments are recorded under the heading &#x201c;Gains (losses) on financial assets and liabilities (net)&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During 2024, there was an increase in positions classified as level 3, mainly concentrated in cash fixed-income positions due to unobservability in market prices applied in their valuation. No significant changes were observed in other positions, such as derivatives, reverse repurchase agreements and cash variable-income positions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2023, as a result of the implementation of the multifactor criteria in the classification, which considered all the risk factors of the exposures, their observability and uncertainty, there was a reduction in exposure to level 3 derivatives, offset by an increase in exposure classified at level 3 in repurchase agreements positions due to unobservability in the inputs used in their valuation. The increase in Level 3 exposure was mainly related to cash positions of variable income and fixed income due to unobservability in their prices.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;In 2022, the net volume of exposures classified as level 3 was reduced. This reduction was 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 was mitigated by the increase in the volume of level 3 exposures in derivatives, for which there was worse observability in the market of the inputs used in their fair value valuation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For the years ended December 31, 2024, 2023 and 2022, the profit/loss on sales of financial instruments classified as level 3 recognized in the consolidated income statement was not material.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Transfers among levels&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On a monthly basis, derivative positions, deposits, loans and advances from 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On a quarterly basis, the positions of equity instruments and debt securities are classified, following these criteria, by the local areas in coordination with Global Markets Valuation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The financial instruments transferred among the different levels of measurement for the years ended December 31, 2024, 2023 and 2022 are at the following amounts in the consolidated balance sheets as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.815%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.507%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Transfers among levels. December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;From:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;To:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 1 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;170&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,608&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;387&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;380&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;301&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;121&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;346&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.779%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.067%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Transfer among levels (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;From:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;To:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;887&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;911&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;123&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,296&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,723&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,079&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;941&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;996&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;596&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;372&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;141&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;258&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;660&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;596&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;837&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;635&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;524&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;387&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;313&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amount of the financial instruments at fair value that were transferred among the different valuation levels during 2024 showed a stable performance in relation to the evolution of market observability in the inputs applied in their valuation. No significant level transfers were made from Level 1 to Level 3, with the most significant volumes of transfers concentrated between Level 1 and Level 2, and Level 2 and Level 3. In both cases, the changes were solely due to the observability conditions of market inputs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amount of the financial instruments at fair value portfolio that were transferred among the different valuation levels during 2023 correspond mainly, with respect to Level 1 to Level 2, to the review of the classification among levels due to the implementation of the short term maturities model valuation of the listed options for those positions for which it is guaranteed that the inputs applied from real OTC market transactions are complied with the corroboration criteria. Additionally, there is a transfer of exposure Level 1 to Level 2 in cash positions in debt securities and equities, partially netted by a transfer of exposure Level 2 to Level 1, all directly related to the observability of the inputs. The volume of positions transferred from Level 2 to Level 3 is partly offset by the transfer of certain positions from Level 3 to Level 2, mainly in cash positions in debt securities, equities and loans and advances.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Sensitivity analysis&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.568%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial instruments level 3: sensitivity analysis (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Potential impact on consolidated&lt;br/&gt;&#160;income statement &lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" 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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Potential impact on&lt;br/&gt;other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Most favorable hypothesis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Least favorable hypothesis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Most favorable hypothesis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Least favorable hypothesis&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(61)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(85)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(114)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(78)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(90)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;57&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(173)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(230)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(90)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:22.11pt"&gt;Fair value of financial instruments recognized at amortized cost according to valuation method&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The valuation technique used to calculate the fair value of financial assets and liabilities carried at cost are presented below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Loans to credit institutions which are not short-term and loans to customers: In general, these financial assets will be valued by discounting future cash flows using the interest rate curve adjusted by the market spread at the time of valuation and considering any behavioral hypothesis considered to be relevant (early prepayments, optionality, etc.). Therefore, their valuations will be conditioned by the interest rates and spreads of the portfolios and their durations. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Debt securities: Fair value estimated based on the available market price or by using internal valuation methodologies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 considered to be relevant (early repayments, optionalities, etc.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Debt certificate (Issuances): The fair value estimation of these liabilities is based on the availability of market prices or the present value method: discount of future cash flows, using market interest rates at valuation time and taking into account the credit spread.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The table below shows the fair value of the Group's financial instruments recognized at amortized cost in the consolidated balance sheets, broken down according to the valuation method used to determine their fair value, and their respective book value, as well as the main valuation techniques and inputs used for financial instruments classified in level 2 and level 3 as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.046%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at amortized cost by levels.&lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Carrying amount presented as fair value &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;51,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;51,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;51,145&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;502,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;32,615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;50,771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;24,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;394,496&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;502,039&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;59,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;50,771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;6,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;921&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;58,281&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;443,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;32,615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;17,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;393,575&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;443,759&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities at amortized cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;584,339&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;378,530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;47,323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;58,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;101,025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;584,894&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;496,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;360,777&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;37,647&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;98,038&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;496,461&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;69,867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;47,323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;20,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;2,986&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;70,679&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.046%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at amortized cost by levels. &lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Carrying amount presented as fair value &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;75,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;75,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;75,416&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;451,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;34,826&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;41,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;10,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;359,062&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;446,371&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;49,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;41,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;6,244&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;48,952&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;402,270&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;34,826&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;4,290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;358,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;397,418&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities at amortized cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;557,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;358,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;42,742&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;86,390&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;68,127&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;555,915&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;473,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;343,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;62,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;64,601&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;471,530&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;41,472&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;24,341&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;3,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;69,339&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.046%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at amortized cost by levels. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Carrying amount presented as fair value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79,756&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79,756&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79,756&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;414,421&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;342,194&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;412,965&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,313&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,311&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;377,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;341,435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;376,655&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities at amortized cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;529,172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;380,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,752&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;61,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;525,595&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;459,662&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;369,387&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,965&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,731&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;457,894&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,240&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;53,550&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,081&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,151&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(2) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The fair value of the &#x201c;Financial assets at amortized cost&#x201d; has been estimated mainly using the valuation techniques of the Present-value method (discounted future cash flows). The main inputs considered for Levels 2 and 3 are the interest rate yield, the prepayment rates and the credit spread. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the case of &#x201c;Financial liabilities at amortized cost&#x201d;, the fair value is also obtained mainly through the Present-value method (discounted future cash flows). The main inputs considered for, at levels 2 and 3, the issuer's credit risk, the interest rate yield and the prepayment rate.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory>
    <bbva:FairValueOfFinancialInstrumentsByLevelsTableTextBlock contextRef="c-1" id="f-4845">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The fair value of the Group's financial instruments recognized at fair value in the consolidated balance sheets is presented below, broken down according to the valuation method used to determine their fair value, and their respective book value as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.482%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.448%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at fair value by levels. &lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;108,948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,292&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;969&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,591&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;443&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,762&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,438&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;756&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,011&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,546&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;617&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,418&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,365&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;202&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;358&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;336&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;62&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;62&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59,002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;50,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,515&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,133&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;216&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;57,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,436&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;917&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;86,591&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71,072&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,211&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;541&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;673&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,654&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,999&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;656&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,952&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,865&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,087&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,597&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,087&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,480&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.954%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at fair value by levels.&lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;141,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,972&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;116,905&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,165&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,880&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;269&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28,569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,333&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,081&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71,921&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,669&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,216&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,742&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,148&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;484&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;286&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;62,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,987&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,335&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;883&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51,961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,258&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;745&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;121,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;106,382&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,201&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;743&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,735&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;415&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,073&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,227&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;717&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;717&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,227&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.954%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at fair value by levels.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;110,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,325&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;795&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,404&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;148&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,993&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,169&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,017&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,457&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,014&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;245&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;65,374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;53,248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;589&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,040&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,479&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;489&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,887&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,129&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;746&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,002&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,487&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;127&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,590&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,698&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,590&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:FairValueOfFinancialInstrumentsByLevelsTableTextBlock>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-4846" unitRef="eur">108948000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1956" decimals="-6" id="f-4847" unitRef="eur">26332000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1957" decimals="-6" id="f-4848" unitRef="eur">80323000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1958" decimals="-6" id="f-4849" unitRef="eur">2292000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-13" decimals="-6" id="f-4850" unitRef="eur">36003000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-1956" decimals="-6" id="f-4851" unitRef="eur">969000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-1957" decimals="-6" id="f-4852" unitRef="eur">34591000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-1958" decimals="-6" id="f-4853" unitRef="eur">443000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-4854" unitRef="eur">6760000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1956" decimals="-6" id="f-4855" unitRef="eur">6602000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1957" decimals="-6" id="f-4856" unitRef="eur">76000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1958" decimals="-6" id="f-4857" unitRef="eur">83000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-4858" unitRef="eur">27955000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1956" decimals="-6" id="f-4859" unitRef="eur">18762000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1957" decimals="-6" id="f-4860" unitRef="eur">8438000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1958" decimals="-6" id="f-4861" unitRef="eur">756000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-4862" unitRef="eur">38230000000</ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1956" decimals="-6" id="f-4863" unitRef="eur">0</ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1957" decimals="-6" id="f-4864" unitRef="eur">37218000000</ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1958" decimals="-6" id="f-4865" unitRef="eur">1011000000</ifrs-full:LoansAndAdvancesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-13" decimals="-6" id="f-4866" unitRef="eur">10546000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-1956" decimals="-6" id="f-4867" unitRef="eur">8511000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-1957" decimals="-6" id="f-4868" unitRef="eur">617000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-1958" decimals="-6" id="f-4869" unitRef="eur">1418000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-4870" unitRef="eur">9782000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1956" decimals="-6" id="f-4871" unitRef="eur">8309000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1957" decimals="-6" id="f-4872" unitRef="eur">107000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1958" decimals="-6" id="f-4873" unitRef="eur">1365000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-4874" unitRef="eur">407000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1956" decimals="-6" id="f-4875" unitRef="eur">202000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1957" decimals="-6" id="f-4876" unitRef="eur">173000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1958" decimals="-6" id="f-4877" unitRef="eur">31000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-4878" unitRef="eur">358000000</ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1956" decimals="-6" id="f-4879" unitRef="eur">0</ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1957" decimals="-6" id="f-4880" unitRef="eur">336000000</ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1958" decimals="-6" id="f-4881" unitRef="eur">21000000</ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-13" decimals="-6" id="f-4882" unitRef="eur">836000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-1956" decimals="-6" id="f-4883" unitRef="eur">774000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-1957" decimals="-6" id="f-4884" unitRef="eur">62000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-1958" decimals="-6" id="f-4885" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-13" decimals="-6" id="f-4886" unitRef="eur">836000000</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1956" decimals="-6" id="f-4887" unitRef="eur">774000000</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1957" decimals="-6" id="f-4888" unitRef="eur">62000000</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1958" decimals="-6" id="f-4889" unitRef="eur">0</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-4890" unitRef="eur">59002000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-1956" decimals="-6" id="f-4891" unitRef="eur">50354000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-1957" decimals="-6" id="f-4892" unitRef="eur">7515000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-1958" decimals="-6" id="f-4893" unitRef="eur">1133000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-4894" unitRef="eur">1451000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1956" decimals="-6" id="f-4895" unitRef="eur">1157000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1957" decimals="-6" id="f-4896" unitRef="eur">79000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
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    <ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1961" decimals="-6" id="f-5009" unitRef="eur">0</ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome>
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    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-1961" decimals="-6" id="f-5013" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
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    <ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1959" decimals="-6" id="f-5035" unitRef="eur">0</ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1960" decimals="-6" id="f-5036" unitRef="eur">0</ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1961" decimals="-6" id="f-5037" unitRef="eur">0</ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
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    <ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1959" decimals="-6" id="f-5039" unitRef="eur">0</ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1960" decimals="-6" id="f-5040" unitRef="eur">717000000</ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
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    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1963" decimals="-6" id="f-5064" unitRef="eur">0</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
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    <ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-21" decimals="-6" id="f-5086" unitRef="eur">247000000</ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-1962" decimals="-6" id="f-5087" unitRef="eur">245000000</ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
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    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-1962" decimals="-6" id="f-5091" unitRef="eur">913000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-1963" decimals="-6" id="f-5092" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-1964" decimals="-6" id="f-5093" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-21" decimals="-6" id="f-5094" unitRef="eur">913000000</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1962" decimals="-6" id="f-5095" unitRef="eur">913000000</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1963" decimals="-6" id="f-5096" unitRef="eur">0</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1964" decimals="-6" id="f-5097" unitRef="eur">0</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-5098" unitRef="eur">65374000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-1962" decimals="-6" id="f-5099" unitRef="eur">53248000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-1963" decimals="-6" id="f-5100" unitRef="eur">11537000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-1964" decimals="-6" id="f-5101" unitRef="eur">589000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-5102" unitRef="eur">1198000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1962" decimals="-6" id="f-5103" unitRef="eur">1040000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1963" decimals="-6" id="f-5104" unitRef="eur">58000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1964" decimals="-6" id="f-5105" unitRef="eur">100000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-5106" unitRef="eur">64150000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1962" decimals="-6" id="f-5107" unitRef="eur">52182000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1963" decimals="-6" id="f-5108" unitRef="eur">11479000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1964" decimals="-6" id="f-5109" unitRef="eur">489000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-5110" unitRef="eur">26000000</ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1962" decimals="-6" id="f-5111" unitRef="eur">26000000</ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1963" decimals="-6" id="f-5112" unitRef="eur">0</ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1964" decimals="-6" id="f-5113" unitRef="eur">0</ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-21" decimals="-6" id="f-5114" unitRef="eur">1891000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-1962" decimals="-6" id="f-5115" unitRef="eur">4000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-1963" decimals="-6" id="f-5116" unitRef="eur">1887000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-1964" decimals="-6" id="f-5117" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-21" decimals="-6" id="f-5118" unitRef="eur">95611000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1962" decimals="-6" id="f-5119" unitRef="eur">20611000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1963" decimals="-6" id="f-5120" unitRef="eur">73871000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1964" decimals="-6" id="f-5121" unitRef="eur">1129000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-21" decimals="-6" id="f-5122" unitRef="eur">37909000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-1962" decimals="-6" id="f-5123" unitRef="eur">746000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-1963" decimals="-6" id="f-5124" unitRef="eur">36161000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-1964" decimals="-6" id="f-5125" unitRef="eur">1002000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <bbva:ShortPositionsFinancialLiabilitiesHeldForTrading contextRef="c-21" decimals="-6" id="f-5126" unitRef="eur">13487000000</bbva:ShortPositionsFinancialLiabilitiesHeldForTrading>
    <bbva:ShortPositionsFinancialLiabilitiesHeldForTrading contextRef="c-1962" decimals="-6" id="f-5127" unitRef="eur">13354000000</bbva:ShortPositionsFinancialLiabilitiesHeldForTrading>
    <bbva:ShortPositionsFinancialLiabilitiesHeldForTrading contextRef="c-1963" decimals="-6" id="f-5128" unitRef="eur">133000000</bbva:ShortPositionsFinancialLiabilitiesHeldForTrading>
    <bbva:ShortPositionsFinancialLiabilitiesHeldForTrading contextRef="c-1964" decimals="-6" id="f-5129" unitRef="eur">0</bbva:ShortPositionsFinancialLiabilitiesHeldForTrading>
    <ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading contextRef="c-21" decimals="-6" id="f-5130" unitRef="eur">44215000000</ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading>
    <ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading contextRef="c-1962" decimals="-6" id="f-5131" unitRef="eur">6511000000</ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading>
    <ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading contextRef="c-1963" decimals="-6" id="f-5132" unitRef="eur">37577000000</ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading>
    <ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading contextRef="c-1964" decimals="-6" id="f-5133" unitRef="eur">127000000</ifrs-full:DepositsAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-21" decimals="-6" id="f-5134" unitRef="eur">10580000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-1962" decimals="-6" id="f-5135" unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-1963" decimals="-6" id="f-5136" unitRef="eur">8990000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-1964" decimals="-6" id="f-5137" unitRef="eur">1590000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-21" decimals="-6" id="f-5138" unitRef="eur">0</ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1962" decimals="-6" id="f-5139" unitRef="eur">0</ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1963" decimals="-6" id="f-5140" unitRef="eur">0</ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1964" decimals="-6" id="f-5141" unitRef="eur">0</ifrs-full:DepositsFromBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-21" decimals="-6" id="f-5142" unitRef="eur">700000000</ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1962" decimals="-6" id="f-5143" unitRef="eur">0</ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1963" decimals="-6" id="f-5144" unitRef="eur">700000000</ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1964" decimals="-6" id="f-5145" unitRef="eur">0</ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-21" decimals="-6" id="f-5146" unitRef="eur">3288000000</ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1962" decimals="-6" id="f-5147" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1963" decimals="-6" id="f-5148" unitRef="eur">1698000000</ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1964" decimals="-6" id="f-5149" unitRef="eur">1590000000</ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-21" decimals="-6" id="f-5150" unitRef="eur">6592000000</bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1962" decimals="-6" id="f-5151" unitRef="eur">0</bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1963" decimals="-6" id="f-5152" unitRef="eur">6592000000</bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1964" decimals="-6" id="f-5153" unitRef="eur">0</bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-21" decimals="-6" id="f-5154" unitRef="eur">3303000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-1962" decimals="-6" id="f-5155" unitRef="eur">100000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-1963" decimals="-6" id="f-5156" unitRef="eur">3179000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-1964" decimals="-6" id="f-5157" unitRef="eur">25000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <bbva:FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock contextRef="c-1" id="f-5158">&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;The following table sets forth the main valuation techniques, hypothesis and inputs used in the estimation of fair value of the financial instruments recognized 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, 2024, 2023 and 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Fair value of Financial Instruments by levels. (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Valuation techniques in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Observable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Unobservable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Comparable pricing (Observable price in a similar market)&lt;br/&gt;Net asset value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Brokers quotes&lt;br/&gt;- Market operations&lt;br/&gt;- NAVs published&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- NAV provided by the administrator of the fund&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;br/&gt;Observed prices in non-active markets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;br/&gt;- Non active markets prices&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Recovery rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;br/&gt;- Funding interest rates observed in the market or in consensus services&lt;br/&gt;- Exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Recovery rates&lt;br/&gt;- Funding interest rates not observed in the market or in consensus services&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and  SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black, SABR  and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="5" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Implicit correlations between tenors&lt;br/&gt;- interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local Volatility, Momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;br/&gt;- Implicit dividends and long term repos&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Local volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Comparable pricing (Observable price in a similar market)&lt;br/&gt;Net asset value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Brokers quotes&lt;br/&gt;- Market operations&lt;br/&gt;- NAVs published&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- NAV provided by the administrator of the fund&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer credit risk&lt;br/&gt;- Recovery rates&lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&lt;br/&gt;Discounted future cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Interest rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Comparable pricing (Observable price in a similar market)&lt;br/&gt;Net asset value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Brokers quotes&lt;br/&gt;- Market operations&lt;br/&gt;- NAVs published&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- NAV provided by the administrator of the fund&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;br/&gt;Observed prices in non-active markets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;br/&gt;- Non active market prices&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer credit risk&lt;br/&gt;- Recovery rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and  SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black, SABR  and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Implicit correlations between tenors&lt;br/&gt;- interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local volatility, Black 76, Momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;br/&gt;- Implicit dividends and long term repos&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Local volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="border-bottom:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #242424;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and Discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-bottom:1pt solid #242424;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair Value of Financial Instruments by Levels&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Valuation techniques in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Observable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Unobservable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Interest rate yield&lt;br/&gt;- Funding interest rates observed in the market or in consensus services&lt;br/&gt;-  Exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Funding interest rates not observed in the market or in consensus services&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black 76, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black,  SABR and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="4" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Correlation between tenors&lt;br/&gt;- Interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local volatility, momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Assets correlation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Black 76, Local volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Assets correlation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#DADADA;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Short positions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Prepayment rates&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Issuer&#xb4;s credit risk&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Current market interest rates&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black 76, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black,  SABR and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="5" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Implicit correlations between tenors&lt;br/&gt;- interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local volatility, momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;br/&gt;- Implicit dividends and long term repos&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Black 76, Local Volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#DADADA;border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock>
    <bbva:ValuationTechniques contextRef="c-1965" id="f-5159">Comparable pricing (Observable price in a similar market)Net asset value</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1965" id="f-5160">- Brokers quotes- Market operations- NAVs published</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1965" id="f-5161">- NAV provided by the administrator of the fund</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1966" id="f-5162">Present-value method(Discounted future cash flows)Observed prices in non-active markets</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1966" id="f-5163">- Issuer&#xb4;s credit risk- Current market interest rates- Non active markets prices</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1966" id="f-5164">- Prepayment rates- Issuer&#xb4;s credit risk- Recovery rates</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1967" id="f-5165">Present-value method(Discounted future cash flows)</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1967" id="f-5166">- Issuer&#xb4;s credit risk- Current market interest rates- Funding interest rates observed in the market or in consensus services- Exchange rates</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1967" id="f-5167">- Prepayment rates- Issuer&#xb4;s credit risk- Recovery rates- Funding interest rates not observed in the market or in consensus services</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1968" id="f-5168">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flowsCaps/Floors: Black 76 and  SABRBond options: Black 76Swaptions: Black, SABR and LGMOther Interest rate Options: Black, SABR  and Libor Market ModelConstant Maturity Swaps: SABR</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1969" id="f-5169">-  Exchange rates-  Market quoted future prices-  Market interest rates-  Underlying assets prices: shares, funds, commodities-  Market observable volatilities  -  Issuer credit spread levels-  Quoted dividends-  Market listed correlations</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1968" id="f-5170">- Beta- Implicit correlations between tenors- interest rates volatility</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1970" id="f-5171">Future and Equity Forward: Discounted future cash flowsEquity Options: Local Volatility, Momentum adjustment and Heston</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1970" id="f-5172">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations- Implicit dividends and long term repos</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1971" id="f-5173">Future and Equity Forward: Discounted future cash flowsForeign exchange Options: Local volatility, momentum adjustment</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1971" id="f-5174">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1972" id="f-5175">Credit Derivatives: Default model and Gaussian copula</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1972" id="f-5176">- Correlation default- Credit spread- Recovery rates- Interest rate yield- Default volatility</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1973" id="f-5177">Commodities: Momentum adjustment and discounted cash flows</bbva:ValuationTechniques>
    <bbva:ValuationTechniques contextRef="c-1974" id="f-5178">Comparable pricing (Observable price in a similar market)Net asset value</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1974" id="f-5179">- Brokers quotes- Market operations- NAVs published</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1974" id="f-5180">- NAV provided by the administrator of the fund</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1975" id="f-5181">Present-value method(Discounted future cash flows)</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1975" id="f-5182">- Issuer credit risk- Current market interest rates</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1975" id="f-5183">- Prepayment rates- Issuer credit risk- Recovery rates</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1976" id="f-5184">Discounted future cash flows</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1976" id="f-5185">- Prepayment rates- Interest rates</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1977" id="f-5186">Present-value method(Discounted future cash flows)</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1977" id="f-5187">- Issuer credit risk- Current market interest rates</bbva:ObservableInputs>
    <bbva:ValuationTechniques contextRef="c-1978" id="f-5188">Comparable pricing (Observable price in a similar market)Net asset value</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1978" id="f-5189">- Brokers quotes- Market operations- NAVs published</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1978" id="f-5190">- NAV provided by the administrator of the fund</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1979" id="f-5191">Present-value method(Discounted future cash flows)Observed prices in non-active markets</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1979" id="f-5192">- Issuer&#xb4;s credit risk- Current market interest rates- Non active market prices</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1979" id="f-5193">- Prepayment rates- Issuer credit risk- Recovery rates</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1980" id="f-5194">Interest rate products (Interest rate Swaps, Call money Swaps and FRA): Discounted cash flowsCaps/Floors: Black 76 and  SABRBond options: Black 76Swaptions: Black, SABR and LGMOther Interest rate Options: Black, SABR  and Libor Market ModelConstant Maturity Swaps: SABR</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1981" id="f-5195">-  Exchange rates-  Market quoted future prices-  Market interest rates-  Underlying assets prices: shares, funds, commodities-  Market observable volatilities  -  Issuer credit spread levels-  Quoted dividends-  Market listed correlations</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1980" id="f-5196">- Beta- Implicit correlations between tenors- interest rates volatility</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1982" id="f-5197">Future and Equity Forward: Discounted future cash flowsEquity Options: Local volatility, Black 76, Momentum adjustment and Heston</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1982" id="f-5198">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations- Implicit dividends and long term repos</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1983" id="f-5199">Future and Equity Forward: Discounted future cash flowsForeign exchange Options: Local volatility, momentum adjustment</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1983" id="f-5200">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1984" id="f-5201">Credit Derivatives: Default model and Gaussian copula</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1984" id="f-5202">- Correlation default- Credit spread- Recovery rates- Interest rate yield- Default volatility</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1985" id="f-5203">Commodities: Momentum adjustment and Discounted cash flows</bbva:ValuationTechniques>
    <bbva:FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock contextRef="c-1" id="f-5204">&lt;div style="margin-bottom:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair Value of Financial Instruments by Levels&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Valuation techniques in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Observable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Unobservable inputs in Levels 2 and 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'BBVA Benton Sans Book',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Interest rate yield&lt;br/&gt;- Funding interest rates observed in the market or in consensus services&lt;br/&gt;-  Exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Funding interest rates not observed in the market or in consensus services&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black 76, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black,  SABR and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="4" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Correlation between tenors&lt;br/&gt;- Interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local volatility, momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Assets correlation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Black 76, Local volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Assets correlation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#DADADA;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Short positions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Present-value method&lt;br/&gt;(Discounted future cash flows)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Prepayment rates&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Issuer&#xb4;s credit risk&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Current market interest rates&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;- Prepayment rates&lt;br/&gt;- Issuer&#xb4;s credit risk&lt;br/&gt;- Current market interest rates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:68pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flows&lt;br/&gt;Caps/Floors: Black 76 and SABR&lt;br/&gt;Bond options: Black 76&lt;br/&gt;Swaptions: Black 76, SABR and LGM&lt;br/&gt;Other Interest rate Options: Black,  SABR and Libor Market Model&lt;br/&gt;Constant Maturity Swaps: SABR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="5" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;-  Exchange rates&lt;br/&gt;-  Market quoted future prices&lt;br/&gt;-  Market interest rates&lt;br/&gt;-  Underlying assets prices: shares, funds, commodities&lt;br/&gt;-  Market observable volatilities  &lt;br/&gt;-  Issuer credit spread levels&lt;br/&gt;-  Quoted dividends&lt;br/&gt;-  Market listed correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Beta&lt;br/&gt;- Implicit correlations between tenors&lt;br/&gt;- interest rates volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Equity Options: Local volatility, momentum adjustment and Heston&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;br/&gt;- Implicit dividends and long term repos&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Future and Equity Forward: Discounted future cash flows&lt;br/&gt;Foreign exchange Options: Black 76, Local Volatility, momentum adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Volatility of volatility&lt;br/&gt;- Implicit assets correlations&lt;br/&gt;- Long term implicit correlations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Credit Derivatives: Default model and Gaussian copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;- Correlation default&lt;br/&gt;- Credit spread&lt;br/&gt;- Recovery rates&lt;br/&gt;- Interest rate yield&lt;br/&gt;- Default volatility&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Commodities: Momentum adjustment and discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#DADADA;border-bottom:1pt solid #000;border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock>
    <bbva:ValuationTechniques contextRef="c-1986" id="f-5205">Present-value method(Discounted future cash flows)</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1986" id="f-5206">- Interest rate yield- Funding interest rates observed in the market or in consensus services-  Exchange rates</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1986" id="f-5207">- Funding interest rates not observed in the market or in consensus services</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1987" id="f-5208">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flowsCaps/Floors: Black 76 and SABRBond options: Black 76Swaptions: Black 76, SABR and LGMOther Interest rate Options: Black,  SABR and Libor Market ModelConstant Maturity Swaps: SABR</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1988" id="f-5209">-  Exchange rates-  Market quoted future prices-  Market interest rates-  Underlying assets prices: shares, funds, commodities-  Market observable volatilities  -  Issuer credit spread levels-  Quoted dividends-  Market listed correlations</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1987" id="f-5210">- Beta- Correlation between tenors- Interest rates volatility</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1989" id="f-5211">Future and Equity forward: Discounted future cash flowsEquity Options: Local volatility, momentum adjustment and Heston</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1989" id="f-5212">- Volatility of volatility- Assets correlation</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1990" id="f-5213">Future and Equity Forward: Discounted future cash flowsForeign exchange Options: Black 76, Local volatility, momentum adjustment</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1990" id="f-5214">- Volatility of volatility- Assets correlation</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1991" id="f-5215">Credit Derivatives: Default model and Gaussian copula</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1991" id="f-5216">- Correlation default- Credit spread- Recovery rates- Interest rate yield- Default volatility</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1992" id="f-5217">Commodities: Momentum adjustment and discounted cash flows</bbva:ValuationTechniques>
    <bbva:ValuationTechniques contextRef="c-1993" id="f-5218">Present-value method(Discounted future cash flows)</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1993" id="f-5219">- Prepayment rates- Issuer&#xb4;s credit risk- Current market interest rates</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1994" id="f-5220">Present-value method(Discounted future cash flows)</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1994" id="f-5221">- Prepayment rates- Issuer&#xb4;s credit risk- Current market interest rates</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1994" id="f-5222">- Prepayment rates- Issuer&#xb4;s credit risk- Current market interest rates</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1995" id="f-5223">Interest rate products (Interest rate Swaps, call money Swaps and FRA): Discounted cash flowsCaps/Floors: Black 76 and SABRBond options: Black 76Swaptions: Black 76, SABR and LGMOther Interest rate Options: Black,  SABR and Libor Market ModelConstant Maturity Swaps: SABR</bbva:ValuationTechniques>
    <bbva:ObservableInputs contextRef="c-1996" id="f-5224">-  Exchange rates-  Market quoted future prices-  Market interest rates-  Underlying assets prices: shares, funds, commodities-  Market observable volatilities  -  Issuer credit spread levels-  Quoted dividends-  Market listed correlations</bbva:ObservableInputs>
    <bbva:UnobservableInputs contextRef="c-1995" id="f-5225">- Beta- Implicit correlations between tenors- interest rates volatility</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1997" id="f-5226">Future and Equity Forward: Discounted future cash flowsEquity Options: Local volatility, momentum adjustment and Heston</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1997" id="f-5227">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations- Implicit dividends and long term repos</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1998" id="f-5228">Future and Equity Forward: Discounted future cash flowsForeign exchange Options: Black 76, Local Volatility, momentum adjustment</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1998" id="f-5229">- Volatility of volatility- Implicit assets correlations- Long term implicit correlations</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-1999" id="f-5230">Credit Derivatives: Default model and Gaussian copula</bbva:ValuationTechniques>
    <bbva:UnobservableInputs contextRef="c-1999" id="f-5231">- Correlation default- Credit spread- Recovery rates- Interest rate yield- Default volatility</bbva:UnobservableInputs>
    <bbva:ValuationTechniques contextRef="c-2000" id="f-5232">Commodities: Momentum adjustment and discounted cash flows</bbva:ValuationTechniques>
    <bbva:UnobservableInputsTableTextBlock contextRef="c-1" id="f-5233">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:133%"&gt;Quantitative information of unobservable inputs used to calculate level 3 valuations is presented below as of December 31, 2024, 2023 and 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.624%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unobservable inputs. December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Valuation technique(s)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Significant unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,907&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;bp&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:13pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Recovery rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable Pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;233 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity/Fund instruments&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net Asset Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" rowspan="2" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable Pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repo funding curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.09 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.70 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Black 76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Price volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on equities, baskets of equity, funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dividends (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(88 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.07&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30.90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;122.35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;FX Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on FX underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14.91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:22pt"&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;IR Derivatives&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on IR underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Beta&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(100 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/inflation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;74 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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.  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) The range of unobservable dividends is too wide range to be relevant.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.024%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.050%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.050%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.697%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#e9e9e9;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unobservable inputs. December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Valuation technique(s)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Significant unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;136&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;bp&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Recovery rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable Pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;237 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity/Fund instruments &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net Asset Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" rowspan="2" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable Pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repo funding curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.26 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.74 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Black 76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Price volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on equities, baskets of equity, funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dividends (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="background-color:#E9E9E9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(88 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29.41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;70.94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;FX Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on FX underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10.24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;IR Derivatives&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on IR underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Beta&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.00 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(100 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/inflation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;74%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) The range of unobservable dividends is too wide range to be relevant.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.794%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.967%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.162%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#e9e9e9;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Unobservable inputs. December 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Valuation technique(s)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Significant unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,538&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;bp&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:13pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Recovery rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;94 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity/Fund instruments &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net asset value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Comparable pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Repo funding curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.71 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.48 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.52 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Black 76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Price volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on equities, baskets of equity, funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dividends (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;border-top:0.25pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(93 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32.62&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;98.71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;FX derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on FX underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20.73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Vegas&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:22pt"&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;IR derivatives&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Option models on IR underlyings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Beta&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.25 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:24pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(100 %)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;100 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Correlation rate/inflation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(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. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) The range of unobservable dividends is too wide range to be relevant.&lt;/span&gt;&lt;/div&gt;</bbva:UnobservableInputsTableTextBlock>
    <bbva:CreditSpread contextRef="c-2001" decimals="4" id="f-5234" unitRef="rate">0</bbva:CreditSpread>
    <bbva:CreditSpread contextRef="c-2002" decimals="4" id="f-5235" unitRef="rate">113000000</bbva:CreditSpread>
    <bbva:CreditSpread contextRef="c-2003" decimals="4" id="f-5236" unitRef="rate">3907000000</bbva:CreditSpread>
    <bbva:RecoveryRate
      contextRef="c-2001"
      decimals="2"
      id="f-5237"
      unitRef="number">0</bbva:RecoveryRate>
    <bbva:RecoveryRate
      contextRef="c-2002"
      decimals="2"
      id="f-5238"
      unitRef="number">0.39</bbva:RecoveryRate>
    <bbva:RecoveryRate
      contextRef="c-2003"
      decimals="2"
      id="f-5239"
      unitRef="number">0.40</bbva:RecoveryRate>
    <bbva:ComparablePricesInputs
      contextRef="c-2004"
      decimals="2"
      id="f-5240"
      unitRef="number">0</bbva:ComparablePricesInputs>
    <bbva:ComparablePricesInputs
      contextRef="c-2005"
      decimals="2"
      id="f-5241"
      unitRef="number">0.95</bbva:ComparablePricesInputs>
    <bbva:ComparablePricesInputs
      contextRef="c-2006"
      decimals="2"
      id="f-5242"
      unitRef="number">2.33</bbva:ComparablePricesInputs>
    <bbva:RepoFundingCurve
      contextRef="c-2007"
      decimals="4"
      id="f-5243"
      unitRef="number">0.0209</bbva:RepoFundingCurve>
    <bbva:RepoFundingCurve
      contextRef="c-2008"
      decimals="4"
      id="f-5244"
      unitRef="number">0.0370</bbva:RepoFundingCurve>
    <bbva:RepoFundingCurve
      contextRef="c-2009"
      decimals="4"
      id="f-5245"
      unitRef="number">0.0711</bbva:RepoFundingCurve>
    <bbva:CorrelationDefault
      contextRef="c-2010"
      decimals="2"
      id="f-5246"
      unitRef="number">0.19</bbva:CorrelationDefault>
    <bbva:CorrelationDefault
      contextRef="c-2011"
      decimals="2"
      id="f-5247"
      unitRef="number">0.59</bbva:CorrelationDefault>
    <bbva:CorrelationDefault
      contextRef="c-2012"
      decimals="2"
      id="f-5248"
      unitRef="number">0.92</bbva:CorrelationDefault>
    <bbva:PriceVolatility
      contextRef="c-2013"
      decimals="6"
      id="f-5249"
      unitRef="vegas">0</bbva:PriceVolatility>
    <bbva:PriceVolatility
      contextRef="c-2014"
      decimals="6"
      id="f-5250"
      unitRef="vegas">0</bbva:PriceVolatility>
    <bbva:PriceVolatility
      contextRef="c-2015"
      decimals="6"
      id="f-5251"
      unitRef="vegas">0</bbva:PriceVolatility>
    <bbva:Correlations
      contextRef="c-2016"
      decimals="2"
      id="f-5252"
      unitRef="number">-0.88</bbva:Correlations>
    <bbva:Correlations
      contextRef="c-2017"
      decimals="2"
      id="f-5253"
      unitRef="number">0.48</bbva:Correlations>
    <bbva:Correlations
      contextRef="c-2018"
      decimals="2"
      id="f-5254"
      unitRef="number">0.99</bbva:Correlations>
    <bbva:Volatility
      contextRef="c-2016"
      decimals="6"
      id="f-5255"
      unitRef="vegas">5070000.00</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2017"
      decimals="6"
      id="f-5256"
      unitRef="vegas">30900000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2018"
      decimals="6"
      id="f-5257"
      unitRef="vegas">122350000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2019"
      decimals="6"
      id="f-5258"
      unitRef="vegas">3930000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2020"
      decimals="6"
      id="f-5259"
      unitRef="vegas">9460000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2021"
      decimals="6"
      id="f-5260"
      unitRef="vegas">14910000</bbva:Volatility>
    <bbva:BetaSignificantUnobservableInputs
      contextRef="c-2022"
      decimals="4"
      id="f-5261"
      unitRef="number">0.0300</bbva:BetaSignificantUnobservableInputs>
    <bbva:BetaSignificantUnobservableInputs
      contextRef="c-2023"
      decimals="2"
      id="f-5262"
      unitRef="number">0.05</bbva:BetaSignificantUnobservableInputs>
    <bbva:BetaSignificantUnobservableInputs
      contextRef="c-2024"
      decimals="2"
      id="f-5263"
      unitRef="number">0.11</bbva:BetaSignificantUnobservableInputs>
    <bbva:CorrelationRateCredit
      contextRef="c-2022"
      decimals="0"
      id="f-5264"
      unitRef="number">-1</bbva:CorrelationRateCredit>
    <bbva:CorrelationRateCredit
      contextRef="c-2024"
      decimals="0"
      id="f-5265"
      unitRef="number">1</bbva:CorrelationRateCredit>
    <bbva:CorrelationRateinflation
      contextRef="c-2022"
      decimals="2"
      id="f-5266"
      unitRef="number">0.42</bbva:CorrelationRateinflation>
    <bbva:CorrelationRateinflation
      contextRef="c-2023"
      decimals="2"
      id="f-5267"
      unitRef="number">0.74</bbva:CorrelationRateinflation>
    <bbva:CorrelationRateinflation
      contextRef="c-2024"
      decimals="2"
      id="f-5268"
      unitRef="number">0.95</bbva:CorrelationRateinflation>
    <bbva:CreditSpread
      contextRef="c-2025"
      decimals="-6"
      id="f-5269"
      unitRef="rate">0</bbva:CreditSpread>
    <bbva:CreditSpread
      contextRef="c-2026"
      decimals="-6"
      id="f-5270"
      unitRef="rate">136000000</bbva:CreditSpread>
    <bbva:CreditSpread
      contextRef="c-2027"
      decimals="-6"
      id="f-5271"
      unitRef="rate">4369000000</bbva:CreditSpread>
    <bbva:RecoveryRate
      contextRef="c-2025"
      decimals="2"
      id="f-5272"
      unitRef="number">0</bbva:RecoveryRate>
    <bbva:RecoveryRate
      contextRef="c-2026"
      decimals="2"
      id="f-5273"
      unitRef="number">0.39</bbva:RecoveryRate>
    <bbva:RecoveryRate
      contextRef="c-2027"
      decimals="2"
      id="f-5274"
      unitRef="number">0.40</bbva:RecoveryRate>
    <bbva:ComparablePricesInputs
      contextRef="c-2028"
      decimals="2"
      id="f-5275"
      unitRef="number">0</bbva:ComparablePricesInputs>
    <bbva:ComparablePricesInputs
      contextRef="c-2029"
      decimals="2"
      id="f-5276"
      unitRef="number">0.99</bbva:ComparablePricesInputs>
    <bbva:ComparablePricesInputs
      contextRef="c-2030"
      decimals="2"
      id="f-5277"
      unitRef="number">2.37</bbva:ComparablePricesInputs>
    <bbva:RepoFundingCurve
      contextRef="c-2031"
      decimals="4"
      id="f-5278"
      unitRef="number">0.0226</bbva:RepoFundingCurve>
    <bbva:RepoFundingCurve
      contextRef="c-2032"
      decimals="4"
      id="f-5279"
      unitRef="number">0.0374</bbva:RepoFundingCurve>
    <bbva:RepoFundingCurve
      contextRef="c-2033"
      decimals="4"
      id="f-5280"
      unitRef="number">0.0576</bbva:RepoFundingCurve>
    <bbva:CorrelationDefault
      contextRef="c-2034"
      decimals="2"
      id="f-5281"
      unitRef="number">0.26</bbva:CorrelationDefault>
    <bbva:CorrelationDefault
      contextRef="c-2035"
      decimals="2"
      id="f-5282"
      unitRef="number">0.60</bbva:CorrelationDefault>
    <bbva:CorrelationDefault
      contextRef="c-2036"
      decimals="2"
      id="f-5283"
      unitRef="number">0.85</bbva:CorrelationDefault>
    <bbva:PriceVolatility
      contextRef="c-2037"
      decimals="2"
      id="f-5284"
      unitRef="vegas">0</bbva:PriceVolatility>
    <bbva:PriceVolatility
      contextRef="c-2038"
      decimals="2"
      id="f-5285"
      unitRef="vegas">0</bbva:PriceVolatility>
    <bbva:PriceVolatility
      contextRef="c-2039"
      decimals="2"
      id="f-5286"
      unitRef="vegas">0</bbva:PriceVolatility>
    <bbva:Correlations
      contextRef="c-2040"
      decimals="2"
      id="f-5287"
      unitRef="number">-0.88</bbva:Correlations>
    <bbva:Correlations
      contextRef="c-2041"
      decimals="2"
      id="f-5288"
      unitRef="number">0.52</bbva:Correlations>
    <bbva:Correlations
      contextRef="c-2042"
      decimals="2"
      id="f-5289"
      unitRef="number">0.99</bbva:Correlations>
    <bbva:Volatility
      contextRef="c-2040"
      decimals="0"
      id="f-5290"
      unitRef="vegas">8470000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2041"
      decimals="0"
      id="f-5291"
      unitRef="vegas">29410000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2042"
      decimals="0"
      id="f-5292"
      unitRef="vegas">70940000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2043"
      decimals="0"
      id="f-5293"
      unitRef="vegas">4310000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2044"
      decimals="0"
      id="f-5294"
      unitRef="vegas">10240000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2045"
      decimals="0"
      id="f-5295"
      unitRef="vegas">18520000</bbva:Volatility>
    <bbva:BetaSignificantUnobservableInputs
      contextRef="c-2046"
      decimals="2"
      id="f-5296"
      unitRef="number">0.0300</bbva:BetaSignificantUnobservableInputs>
    <bbva:BetaSignificantUnobservableInputs
      contextRef="c-2047"
      decimals="2"
      id="f-5297"
      unitRef="number">0.05</bbva:BetaSignificantUnobservableInputs>
    <bbva:BetaSignificantUnobservableInputs
      contextRef="c-2048"
      decimals="2"
      id="f-5298"
      unitRef="number">0.11</bbva:BetaSignificantUnobservableInputs>
    <bbva:CorrelationRateCredit
      contextRef="c-2046"
      decimals="0"
      id="f-5299"
      unitRef="number">-1</bbva:CorrelationRateCredit>
    <bbva:CorrelationRateCredit
      contextRef="c-2048"
      decimals="0"
      id="f-5300"
      unitRef="number">1</bbva:CorrelationRateCredit>
    <bbva:CorrelationRateinflation
      contextRef="c-2046"
      decimals="2"
      id="f-5301"
      unitRef="number">0.52</bbva:CorrelationRateinflation>
    <bbva:CorrelationRateinflation
      contextRef="c-2047"
      decimals="2"
      id="f-5302"
      unitRef="number">0.60</bbva:CorrelationRateinflation>
    <bbva:CorrelationRateinflation
      contextRef="c-2048"
      decimals="2"
      id="f-5303"
      unitRef="number">0.74</bbva:CorrelationRateinflation>
    <bbva:CreditSpread
      contextRef="c-2049"
      decimals="-6"
      id="f-5304"
      unitRef="number">0</bbva:CreditSpread>
    <bbva:CreditSpread
      contextRef="c-2050"
      decimals="-6"
      id="f-5305"
      unitRef="number">111000000</bbva:CreditSpread>
    <bbva:CreditSpread
      contextRef="c-2051"
      decimals="-6"
      id="f-5306"
      unitRef="number">1538000000</bbva:CreditSpread>
    <bbva:RecoveryRate
      contextRef="c-2049"
      decimals="2"
      id="f-5307"
      unitRef="number">0</bbva:RecoveryRate>
    <bbva:RecoveryRate
      contextRef="c-2050"
      decimals="2"
      id="f-5308"
      unitRef="number">0.39</bbva:RecoveryRate>
    <bbva:RecoveryRate
      contextRef="c-2051"
      decimals="2"
      id="f-5309"
      unitRef="number">0.40</bbva:RecoveryRate>
    <bbva:ComparablePricesInputs
      contextRef="c-2052"
      decimals="2"
      id="f-5310"
      unitRef="number">0.02</bbva:ComparablePricesInputs>
    <bbva:ComparablePricesInputs
      contextRef="c-2053"
      decimals="2"
      id="f-5311"
      unitRef="number">0.94</bbva:ComparablePricesInputs>
    <bbva:ComparablePricesInputs
      contextRef="c-2054"
      decimals="2"
      id="f-5312"
      unitRef="number">1.39</bbva:ComparablePricesInputs>
    <bbva:RepoFundingCurve
      contextRef="c-2055"
      decimals="4"
      id="f-5313"
      unitRef="number">0.0071</bbva:RepoFundingCurve>
    <bbva:RepoFundingCurve
      contextRef="c-2056"
      decimals="4"
      id="f-5314"
      unitRef="number">0.0348</bbva:RepoFundingCurve>
    <bbva:RepoFundingCurve
      contextRef="c-2057"
      decimals="4"
      id="f-5315"
      unitRef="number">0.0552</bbva:RepoFundingCurve>
    <bbva:CorrelationDefault
      contextRef="c-2058"
      decimals="2"
      id="f-5316"
      unitRef="number">0.26</bbva:CorrelationDefault>
    <bbva:CorrelationDefault
      contextRef="c-2059"
      decimals="2"
      id="f-5317"
      unitRef="number">0.44</bbva:CorrelationDefault>
    <bbva:CorrelationDefault
      contextRef="c-2060"
      decimals="2"
      id="f-5318"
      unitRef="number">0.58</bbva:CorrelationDefault>
    <bbva:PriceVolatility
      contextRef="c-2061"
      decimals="2"
      id="f-5319"
      unitRef="vegas">0</bbva:PriceVolatility>
    <bbva:PriceVolatility
      contextRef="c-2062"
      decimals="2"
      id="f-5320"
      unitRef="vegas">0</bbva:PriceVolatility>
    <bbva:PriceVolatility
      contextRef="c-2063"
      decimals="2"
      id="f-5321"
      unitRef="vegas">0</bbva:PriceVolatility>
    <bbva:Correlations
      contextRef="c-2064"
      decimals="2"
      id="f-5322"
      unitRef="number">-0.93</bbva:Correlations>
    <bbva:Correlations
      contextRef="c-2065"
      decimals="2"
      id="f-5323"
      unitRef="number">0.59</bbva:Correlations>
    <bbva:Correlations
      contextRef="c-2066"
      decimals="2"
      id="f-5324"
      unitRef="number">0.99</bbva:Correlations>
    <bbva:Volatility
      contextRef="c-2064"
      decimals="0"
      id="f-5325"
      unitRef="vegas">7810000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2065"
      decimals="0"
      id="f-5326"
      unitRef="vegas">32620000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2066"
      decimals="0"
      id="f-5327"
      unitRef="vegas">98710000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2067"
      decimals="0"
      id="f-5328"
      unitRef="vegas">5320000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2068"
      decimals="0"
      id="f-5329"
      unitRef="vegas">11930000</bbva:Volatility>
    <bbva:Volatility
      contextRef="c-2069"
      decimals="0"
      id="f-5330"
      unitRef="vegas">20730000</bbva:Volatility>
    <bbva:BetaSignificantUnobservableInputs
      contextRef="c-2070"
      decimals="4"
      id="f-5331"
      unitRef="number">0.0025</bbva:BetaSignificantUnobservableInputs>
    <bbva:BetaSignificantUnobservableInputs
      contextRef="c-2071"
      decimals="2"
      id="f-5332"
      unitRef="number">0.02</bbva:BetaSignificantUnobservableInputs>
    <bbva:BetaSignificantUnobservableInputs
      contextRef="c-2072"
      decimals="2"
      id="f-5333"
      unitRef="number">0.18</bbva:BetaSignificantUnobservableInputs>
    <bbva:CorrelationRateCredit
      contextRef="c-2070"
      decimals="0"
      id="f-5334"
      unitRef="number">-1</bbva:CorrelationRateCredit>
    <bbva:CorrelationRateCredit
      contextRef="c-2072"
      decimals="0"
      id="f-5335"
      unitRef="number">1</bbva:CorrelationRateCredit>
    <bbva:CorrelationRateinflation
      contextRef="c-2070"
      decimals="2"
      id="f-5336"
      unitRef="number">0.51</bbva:CorrelationRateinflation>
    <bbva:CorrelationRateinflation
      contextRef="c-2071"
      decimals="2"
      id="f-5337"
      unitRef="number">0.66</bbva:CorrelationRateinflation>
    <bbva:CorrelationRateinflation
      contextRef="c-2072"
      decimals="2"
      id="f-5338"
      unitRef="number">0.76</bbva:CorrelationRateinflation>
    <bbva:FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock contextRef="c-1" id="f-5339">&lt;div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The changes in the balance of level 3 financial assets and liabilities included in the consolidated balance sheets are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.279%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.841%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets level 3: Changes in the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,264&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,931&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,743&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,301&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,054&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes in fair value recognized in profit and loss &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;289&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(131)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes in fair value not recognized in profit and loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Acquisitions, disposals and liquidations&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(783)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;782&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net transfers to level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(330)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(165)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;289&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;74&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,843&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,264&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,931&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,743&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(2) Profit or loss that is attributable to gains or losses relating to those financial assets and liabilities held as of December 31, 2024, 2023 and 2022. Valuation adjustments are recorded under the heading &#x201c;Gains (losses) on financial assets and liabilities (net)&#x201d;.&lt;/span&gt;&lt;/div&gt;</bbva:FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2073" decimals="-6" id="f-5340" unitRef="eur">4264000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2074" decimals="-6" id="f-5341" unitRef="eur">3467000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2075" decimals="-6" id="f-5342" unitRef="eur">3931000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2076" decimals="-6" id="f-5343" unitRef="eur">2743000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2077" decimals="-6" id="f-5344" unitRef="eur">5301000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2078" decimals="-6" id="f-5345" unitRef="eur">2054000000</bbva:FinancialInstrumentsLevel3Total>
    <ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets contextRef="c-2079" decimals="-6" id="f-5346" unitRef="eur">490000000</ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets>
    <ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities contextRef="c-2080" decimals="-6" id="f-5347" unitRef="eur">144000000</ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities>
    <ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets contextRef="c-2081" decimals="-6" id="f-5348" unitRef="eur">-7000000</ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets>
    <ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities contextRef="c-2082" decimals="-6" id="f-5349" unitRef="eur">113000000</ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities>
    <ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets contextRef="c-2083" decimals="-6" id="f-5350" unitRef="eur">289000000</ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementAssets>
    <ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities contextRef="c-2084" decimals="-6" id="f-5351" unitRef="eur">-131000000</ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities>
    <bbva:ChangesInFairValueNotRecognizedInProfitAndLoss contextRef="c-2079" decimals="-6" id="f-5352" unitRef="eur">29000000</bbva:ChangesInFairValueNotRecognizedInProfitAndLoss>
    <bbva:ChangesInFairValueNotRecognizedInProfitAndLoss contextRef="c-2080" decimals="-6" id="f-5353" unitRef="eur">0</bbva:ChangesInFairValueNotRecognizedInProfitAndLoss>
    <bbva:ChangesInFairValueNotRecognizedInProfitAndLoss contextRef="c-2081" decimals="-6" id="f-5354" unitRef="eur">21000000</bbva:ChangesInFairValueNotRecognizedInProfitAndLoss>
    <bbva:ChangesInFairValueNotRecognizedInProfitAndLoss contextRef="c-2082" decimals="-6" id="f-5355" unitRef="eur">-1000000</bbva:ChangesInFairValueNotRecognizedInProfitAndLoss>
    <bbva:ChangesInFairValueNotRecognizedInProfitAndLoss contextRef="c-2083" decimals="-6" id="f-5356" unitRef="eur">-62000000</bbva:ChangesInFairValueNotRecognizedInProfitAndLoss>
    <bbva:ChangesInFairValueNotRecognizedInProfitAndLoss contextRef="c-2084" decimals="-6" id="f-5357" unitRef="eur">14000000</bbva:ChangesInFairValueNotRecognizedInProfitAndLoss>
    <bbva:AcquisitionsDisposalsAndLiquidations contextRef="c-2079" decimals="-6" id="f-5358" unitRef="eur">397000000</bbva:AcquisitionsDisposalsAndLiquidations>
    <bbva:AcquisitionsDisposalsAndLiquidations contextRef="c-2080" decimals="-6" id="f-5359" unitRef="eur">-59000000</bbva:AcquisitionsDisposalsAndLiquidations>
    <bbva:AcquisitionsDisposalsAndLiquidations contextRef="c-2081" decimals="-6" id="f-5360" unitRef="eur">27000000</bbva:AcquisitionsDisposalsAndLiquidations>
    <bbva:AcquisitionsDisposalsAndLiquidations contextRef="c-2082" decimals="-6" id="f-5361" unitRef="eur">374000000</bbva:AcquisitionsDisposalsAndLiquidations>
    <bbva:AcquisitionsDisposalsAndLiquidations contextRef="c-2083" decimals="-6" id="f-5362" unitRef="eur">-783000000</bbva:AcquisitionsDisposalsAndLiquidations>
    <bbva:AcquisitionsDisposalsAndLiquidations contextRef="c-2084" decimals="-6" id="f-5363" unitRef="eur">782000000</bbva:AcquisitionsDisposalsAndLiquidations>
    <bbva:NetTransfersToLevel3 contextRef="c-2079" decimals="-6" id="f-5364" unitRef="eur">-330000000</bbva:NetTransfersToLevel3>
    <bbva:NetTransfersToLevel3 contextRef="c-2080" decimals="-6" id="f-5365" unitRef="eur">-165000000</bbva:NetTransfersToLevel3>
    <bbva:NetTransfersToLevel3 contextRef="c-2081" decimals="-6" id="f-5366" unitRef="eur">289000000</bbva:NetTransfersToLevel3>
    <bbva:NetTransfersToLevel3 contextRef="c-2082" decimals="-6" id="f-5367" unitRef="eur">204000000</bbva:NetTransfersToLevel3>
    <bbva:NetTransfersToLevel3 contextRef="c-2083" decimals="-6" id="f-5368" unitRef="eur">-750000000</bbva:NetTransfersToLevel3>
    <bbva:NetTransfersToLevel3 contextRef="c-2084" decimals="-6" id="f-5369" unitRef="eur">74000000</bbva:NetTransfersToLevel3>
    <bbva:ExchangeDifferencesAndOthers contextRef="c-2079" decimals="-6" id="f-5370" unitRef="eur">-6000000</bbva:ExchangeDifferencesAndOthers>
    <bbva:ExchangeDifferencesAndOthers contextRef="c-2080" decimals="-6" id="f-5371" unitRef="eur">-67000000</bbva:ExchangeDifferencesAndOthers>
    <bbva:ExchangeDifferencesAndOthers contextRef="c-2081" decimals="-6" id="f-5372" unitRef="eur">3000000</bbva:ExchangeDifferencesAndOthers>
    <bbva:ExchangeDifferencesAndOthers contextRef="c-2082" decimals="-6" id="f-5373" unitRef="eur">34000000</bbva:ExchangeDifferencesAndOthers>
    <bbva:ExchangeDifferencesAndOthers contextRef="c-2083" decimals="-6" id="f-5374" unitRef="eur">-64000000</bbva:ExchangeDifferencesAndOthers>
    <bbva:ExchangeDifferencesAndOthers contextRef="c-2084" decimals="-6" id="f-5375" unitRef="eur">-50000000</bbva:ExchangeDifferencesAndOthers>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2085" decimals="-6" id="f-5376" unitRef="eur">4843000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2086" decimals="-6" id="f-5377" unitRef="eur">3321000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2073" decimals="-6" id="f-5378" unitRef="eur">4264000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2074" decimals="-6" id="f-5379" unitRef="eur">3467000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2075" decimals="-6" id="f-5380" unitRef="eur">3931000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:FinancialInstrumentsLevel3Total contextRef="c-2076" decimals="-6" id="f-5381" unitRef="eur">2743000000</bbva:FinancialInstrumentsLevel3Total>
    <bbva:TransferBetweenLevelsTableTextBlock contextRef="c-1" id="f-5382">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The financial instruments transferred among the different levels of measurement for the years ended December 31, 2024, 2023 and 2022 are at the following amounts in the consolidated balance sheets as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.815%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.507%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Transfers among levels. December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;From:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;To:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 1 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;170&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,608&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;387&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;380&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;301&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;121&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;346&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.779%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.067%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Transfer among levels (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;From:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;To:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;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"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;887&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;911&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;123&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,296&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,723&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,079&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;941&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;996&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;596&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;372&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;141&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;258&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;660&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;596&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;837&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;635&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;524&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;387&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;313&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:TransferBetweenLevelsTableTextBlock>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2087" decimals="-6" id="f-5383" unitRef="eur">115000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2087" decimals="-6" id="f-5384" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
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    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2088" decimals="-6" id="f-5386" unitRef="eur">78000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2089" decimals="-6" id="f-5387" unitRef="eur">16000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2089" decimals="-6" id="f-5388" unitRef="eur">199000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2090" decimals="-6" id="f-5389" unitRef="eur">68000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2090" decimals="-6" id="f-5390" unitRef="eur">14000000</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2091" decimals="-6" id="f-5391" unitRef="eur">1000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2091" decimals="-6" id="f-5392" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2092" decimals="-6" id="f-5393" unitRef="eur">35000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2092" decimals="-6" id="f-5394" unitRef="eur">18000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2093" decimals="-6" id="f-5395" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2093" decimals="-6" id="f-5396" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
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    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2094" decimals="-6" id="f-5398" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2095" decimals="-6" id="f-5399" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2095" decimals="-6" id="f-5400" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
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    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2097" decimals="-6" id="f-5404" unitRef="eur">12000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2098" decimals="-6" id="f-5405" unitRef="eur">13000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2098" decimals="-6" id="f-5406" unitRef="eur">170000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2099" decimals="-6" id="f-5407" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2099" decimals="-6" id="f-5408" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
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    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2100" decimals="-6" id="f-5410" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2101" decimals="-6" id="f-5411" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2101" decimals="-6" id="f-5412" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2102" decimals="-6" id="f-5413" unitRef="eur">1608000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2102" decimals="-6" id="f-5414" unitRef="eur">31000000</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2103" decimals="-6" id="f-5415" unitRef="eur">2586000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2103" decimals="-6" id="f-5416" unitRef="eur">90000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2104" decimals="-6" id="f-5417" unitRef="eur">64000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2104" decimals="-6" id="f-5418" unitRef="eur">387000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2105" decimals="-6" id="f-5419" unitRef="eur">107000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2105" decimals="-6" id="f-5420" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2106" decimals="-6" id="f-5421" unitRef="eur">461000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2106" decimals="-6" id="f-5422" unitRef="eur">45000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2107" decimals="-6" id="f-5423" unitRef="eur">11000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2107" decimals="-6" id="f-5424" unitRef="eur">380000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2108" decimals="-6" id="f-5425" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2108" decimals="-6" id="f-5426" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
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    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2109" decimals="-6" id="f-5428" unitRef="eur">301000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2110" decimals="-6" id="f-5429" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2110" decimals="-6" id="f-5430" unitRef="eur">121000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2111" decimals="-6" id="f-5431" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2111" decimals="-6" id="f-5432" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2112" decimals="-6" id="f-5433" unitRef="eur">0</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2112" decimals="-6" id="f-5434" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2113" decimals="-6" id="f-5435" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2113" decimals="-6" id="f-5436" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2114" decimals="-6" id="f-5437" unitRef="eur">107000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2114" decimals="-6" id="f-5438" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2115" decimals="-6" id="f-5439" unitRef="eur">461000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2115" decimals="-6" id="f-5440" unitRef="eur">346000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2116" decimals="-6" id="f-5441" unitRef="eur">11000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2116" decimals="-6" id="f-5442" unitRef="eur">501000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2117" decimals="-6" id="f-5443" unitRef="eur">887000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2117" decimals="-6" id="f-5444" unitRef="eur">34000000</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2118" decimals="-6" id="f-5445" unitRef="eur">89000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2118" decimals="-6" id="f-5446" unitRef="eur">666000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2119" decimals="-6" id="f-5447" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2119" decimals="-6" id="f-5448" unitRef="eur">497000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2120" decimals="-6" id="f-5449" unitRef="eur">683000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
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    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2121" decimals="-6" id="f-5451" unitRef="eur">1909000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2121" decimals="-6" id="f-5452" unitRef="eur">340000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2122" decimals="-6" id="f-5453" unitRef="eur">24000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2122" decimals="-6" id="f-5454" unitRef="eur">911000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2123" decimals="-6" id="f-5455" unitRef="eur">1000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2123" decimals="-6" id="f-5456" unitRef="eur">135000000</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2124" decimals="-6" id="f-5457" unitRef="eur">0</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2124" decimals="-6" id="f-5458" unitRef="eur">70000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2125" decimals="-6" id="f-5459" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2125" decimals="-6" id="f-5460" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2126" decimals="-6" id="f-5461" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2126" decimals="-6" id="f-5462" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2127" decimals="-6" id="f-5463" unitRef="eur">243000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2127" decimals="-6" id="f-5464" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2128" decimals="-6" id="f-5465" unitRef="eur">53000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2128" decimals="-6" id="f-5466" unitRef="eur">2000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2129" decimals="-6" id="f-5467" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2129" decimals="-6" id="f-5468" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2130" decimals="-6" id="f-5469" unitRef="eur">0</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2130" decimals="-6" id="f-5470" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2131" decimals="-6" id="f-5471" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2131" decimals="-6" id="f-5472" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2132" decimals="-6" id="f-5473" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2132" decimals="-6" id="f-5474" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2133" decimals="-6" id="f-5475" unitRef="eur">123000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2133" decimals="-6" id="f-5476" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2134" decimals="-6" id="f-5477" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2134" decimals="-6" id="f-5478" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2135" decimals="-6" id="f-5479" unitRef="eur">1191000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
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    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2136" decimals="-6" id="f-5482" unitRef="eur">205000000</bbva:TransfersOutOfLevel2IntoLevel3>
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    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2137" decimals="-6" id="f-5484" unitRef="eur">243000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
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    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2138" decimals="-6" id="f-5486" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
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    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2139" decimals="-6" id="f-5488" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2140" decimals="-6" id="f-5489" unitRef="eur">18000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
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    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2141" decimals="-6" id="f-5491" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2141" decimals="-6" id="f-5492" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2142" decimals="-6" id="f-5493" unitRef="eur">0</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2142" decimals="-6" id="f-5494" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2143" decimals="-6" id="f-5495" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2143" decimals="-6" id="f-5496" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2144" decimals="-6" id="f-5497" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2144" decimals="-6" id="f-5498" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2145" decimals="-6" id="f-5499" unitRef="eur">0</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2145" decimals="-6" id="f-5500" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2146" decimals="-6" id="f-5501" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2146" decimals="-6" id="f-5502" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets contextRef="c-2147" decimals="-6" id="f-5503" unitRef="eur">2079000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets>
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    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2148" decimals="-6" id="f-5506" unitRef="eur">941000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2149" decimals="-6" id="f-5507" unitRef="eur">103000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2149" decimals="-6" id="f-5508" unitRef="eur">740000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
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    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets contextRef="c-2150" decimals="-6" id="f-5510" unitRef="eur">1000000</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets contextRef="c-2151" decimals="-6" id="f-5511" unitRef="eur">2990000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2151" decimals="-6" id="f-5512" unitRef="eur">340000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets contextRef="c-2152" decimals="-6" id="f-5513" unitRef="eur">95000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets contextRef="c-2152" decimals="-6" id="f-5514" unitRef="eur">996000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyAssets>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2153" decimals="-6" id="f-5515" unitRef="eur">596000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2153" decimals="-6" id="f-5516" unitRef="eur">3000000</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2154" decimals="-6" id="f-5517" unitRef="eur">36000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2154" decimals="-6" id="f-5518" unitRef="eur">177000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2155" decimals="-6" id="f-5519" unitRef="eur">1000000</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2155" decimals="-6" id="f-5520" unitRef="eur">372000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2156" decimals="-6" id="f-5521" unitRef="eur">524000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2156" decimals="-6" id="f-5522" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2157" decimals="-6" id="f-5523" unitRef="eur">239000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2157" decimals="-6" id="f-5524" unitRef="eur">141000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2158" decimals="-6" id="f-5525" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2158" decimals="-6" id="f-5526" unitRef="eur">258000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2159" decimals="-6" id="f-5527" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2159" decimals="-6" id="f-5528" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2160" decimals="-6" id="f-5529" unitRef="eur">0</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2160" decimals="-6" id="f-5530" unitRef="eur">660000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2161" decimals="-6" id="f-5531" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2161" decimals="-6" id="f-5532" unitRef="eur">262000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2162" decimals="-6" id="f-5533" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2162" decimals="-6" id="f-5534" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2163" decimals="-6" id="f-5535" unitRef="eur">0</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2163" decimals="-6" id="f-5536" unitRef="eur">221000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2164" decimals="-6" id="f-5537" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2164" decimals="-6" id="f-5538" unitRef="eur">55000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2165" decimals="-6" id="f-5539" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2165" decimals="-6" id="f-5540" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2166" decimals="-6" id="f-5541" unitRef="eur">0</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2166" decimals="-6" id="f-5542" unitRef="eur">0</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2167" decimals="-6" id="f-5543" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2167" decimals="-6" id="f-5544" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2168" decimals="-6" id="f-5545" unitRef="eur">0</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2168" decimals="-6" id="f-5546" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2169" decimals="-6" id="f-5547" unitRef="eur">0</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2169" decimals="-6" id="f-5548" unitRef="eur">25000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2170" decimals="-6" id="f-5549" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2170" decimals="-6" id="f-5550" unitRef="eur">0</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
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    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2172" decimals="-6" id="f-5553" unitRef="eur">36000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2172" decimals="-6" id="f-5554" unitRef="eur">837000000</bbva:TransfersOutOfLevel2IntoLevel3>
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    <bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2173" decimals="-6" id="f-5556" unitRef="eur">635000000</bbva:TransfersOutOfLevel3IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities contextRef="c-2174" decimals="-6" id="f-5557" unitRef="eur">524000000</ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities contextRef="c-2174" decimals="-6" id="f-5558" unitRef="eur">0</ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities>
    <ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities contextRef="c-2175" decimals="-6" id="f-5559" unitRef="eur">239000000</ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyLiabilities>
    <bbva:TransfersOutOfLevel2IntoLevel3 contextRef="c-2175" decimals="-6" id="f-5560" unitRef="eur">387000000</bbva:TransfersOutOfLevel2IntoLevel3>
    <ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities contextRef="c-2176" decimals="-6" id="f-5561" unitRef="eur">0</ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities>
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    <bbva:FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock contextRef="c-1" id="f-5563">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.568%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial instruments level 3: sensitivity analysis (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:1pt solid #000000;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Potential impact on consolidated&lt;br/&gt;&#160;income statement &lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" 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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Potential impact on&lt;br/&gt;other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Most favorable hypothesis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Least favorable hypothesis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Most favorable hypothesis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Least favorable hypothesis&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(61)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(85)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(114)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(78)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(90)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;57&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(173)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(230)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(90)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock>
    <bbva:FinancialAssetsHeldForTrading contextRef="c-2177" decimals="-6" id="f-5564" unitRef="eur">48000000</bbva:FinancialAssetsHeldForTrading>
    <bbva:FinancialAssetsHeldForTrading contextRef="c-2178" decimals="-6" id="f-5565" unitRef="eur">21000000</bbva:FinancialAssetsHeldForTrading>
    <bbva:FinancialAssetsHeldForTrading contextRef="c-2179" decimals="-6" id="f-5566" unitRef="eur">-89000000</bbva:FinancialAssetsHeldForTrading>
    <bbva:FinancialAssetsHeldForTrading contextRef="c-2180" decimals="-6" id="f-5567" unitRef="eur">-117000000</bbva:FinancialAssetsHeldForTrading>
    <bbva:FinancialAssetsHeldForTrading contextRef="c-2181" decimals="-6" id="f-5568" unitRef="eur">0</bbva:FinancialAssetsHeldForTrading>
    <bbva:FinancialAssetsHeldForTrading contextRef="c-2182" decimals="-6" id="f-5569" unitRef="eur">0</bbva:FinancialAssetsHeldForTrading>
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    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2178" decimals="-6" id="f-5645" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2179" decimals="-6" id="f-5646" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2180" decimals="-6" id="f-5647" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2181" decimals="-6" id="f-5648" unitRef="eur">48000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
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    <bbva:FinancialAssetsLevel3Total contextRef="c-2177" decimals="-6" id="f-5652" unitRef="eur">57000000</bbva:FinancialAssetsLevel3Total>
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    <bbva:FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock contextRef="c-1" id="f-5676">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The table below shows the fair value of the Group's financial instruments recognized at amortized cost in the consolidated balance sheets, broken down according to the valuation method used to determine their fair value, and their respective book value, as well as the main valuation techniques and inputs used for financial instruments classified in level 2 and level 3 as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.046%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at amortized cost by levels.&lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Carrying amount presented as fair value &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;51,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;51,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;51,145&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;502,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;32,615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;50,771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;24,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;394,496&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;502,039&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;59,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;50,771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;6,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;921&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;58,281&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;443,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;32,615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;17,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;393,575&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;443,759&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities at amortized cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;584,339&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;378,530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;47,323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;58,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;101,025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;584,894&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;496,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;360,777&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;37,647&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;98,038&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;496,461&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;69,867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;47,323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;20,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;2,986&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;70,679&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.046%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at amortized cost by levels. &lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023 (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Carrying amount presented as fair value &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;75,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;75,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;75,416&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;451,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;34,826&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;41,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;10,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;359,062&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;446,371&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;49,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;41,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;6,244&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;48,952&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;402,270&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;34,826&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;4,290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;358,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;397,418&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities at amortized cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;557,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;358,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;42,742&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;86,390&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;68,127&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;555,915&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;473,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;343,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;62,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;64,601&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;471,530&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;41,472&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;24,341&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;3,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;69,339&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.046%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value of financial instruments recognized at amortized cost by levels. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Book value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Carrying amount presented as fair value &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79,756&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79,756&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;79,756&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;414,421&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;342,194&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;412,965&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,313&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,311&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;377,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,953&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;341,435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;376,655&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities at amortized cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;529,172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;380,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,752&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;61,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;525,595&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;459,662&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;369,387&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,965&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,731&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;457,894&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,240&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;53,550&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,081&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,151&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(2) Financial instruments whose book value is presented as an approximation to their fair value, mainly short-term financial instruments.&lt;/span&gt;&lt;/div&gt;</bbva:FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock>
    <ifrs-full:CashAndCashEquivalents contextRef="c-13" decimals="-6" id="f-5677" unitRef="eur">51145000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2217" decimals="-6" id="f-5678" unitRef="eur">51145000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2218" decimals="-6" id="f-5679" unitRef="eur">0</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2219" decimals="-6" id="f-5680" unitRef="eur">0</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2220" decimals="-6" id="f-5681" unitRef="eur">0</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2221" decimals="-6" id="f-5682" unitRef="eur">51145000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-13" decimals="-6" id="f-5683" unitRef="eur">502400000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2217" decimals="-6" id="f-5684" unitRef="eur">32615000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2218" decimals="-6" id="f-5685" unitRef="eur">50771000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2219" decimals="-6" id="f-5686" unitRef="eur">24157000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2220" decimals="-6" id="f-5687" unitRef="eur">394496000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2221" decimals="-6" id="f-5688" unitRef="eur">502039000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-13" decimals="-6" id="f-5689" unitRef="eur">59014000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2217" decimals="-6" id="f-5690" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2218" decimals="-6" id="f-5691" unitRef="eur">50771000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2219" decimals="-6" id="f-5692" unitRef="eur">6589000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2220" decimals="-6" id="f-5693" unitRef="eur">921000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2221" decimals="-6" id="f-5694" unitRef="eur">58281000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-13" decimals="-6" id="f-5695" unitRef="eur">443386000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2217" decimals="-6" id="f-5696" unitRef="eur">32615000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2218" decimals="-6" id="f-5697" unitRef="eur">0</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2219" decimals="-6" id="f-5698" unitRef="eur">17568000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2220" decimals="-6" id="f-5699" unitRef="eur">393575000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2221" decimals="-6" id="f-5700" unitRef="eur">443759000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-13" decimals="-6" id="f-5701" unitRef="eur">584339000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2217" decimals="-6" id="f-5702" unitRef="eur">378530000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2218" decimals="-6" id="f-5703" unitRef="eur">47323000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2219" decimals="-6" id="f-5704" unitRef="eur">58016000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2220" decimals="-6" id="f-5705" unitRef="eur">101025000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2221" decimals="-6" id="f-5706" unitRef="eur">584894000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-13" decimals="-6" id="f-5707" unitRef="eur">496720000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2217" decimals="-6" id="f-5708" unitRef="eur">360777000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2218" decimals="-6" id="f-5709" unitRef="eur">0</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2219" decimals="-6" id="f-5710" unitRef="eur">37647000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2220" decimals="-6" id="f-5711" unitRef="eur">98038000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2221" decimals="-6" id="f-5712" unitRef="eur">496461000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-13" decimals="-6" id="f-5713" unitRef="eur">69867000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2217" decimals="-6" id="f-5714" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2218" decimals="-6" id="f-5715" unitRef="eur">47323000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2219" decimals="-6" id="f-5716" unitRef="eur">20369000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2220" decimals="-6" id="f-5717" unitRef="eur">2986000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
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    <ifrs-full:OtherFinancialLiabilities contextRef="c-2217" decimals="-6" id="f-5720" unitRef="eur">17753000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2218" decimals="-6" id="f-5721" unitRef="eur">0</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2219" decimals="-6" id="f-5722" unitRef="eur">0</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2220" decimals="-6" id="f-5723" unitRef="eur">0</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2221" decimals="-6" id="f-5724" unitRef="eur">17753000000</ifrs-full:OtherFinancialLiabilities>
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    <ifrs-full:CashAndCashEquivalents contextRef="c-2222" decimals="-6" id="f-5726" unitRef="eur">75416000000</ifrs-full:CashAndCashEquivalents>
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    <ifrs-full:CashAndCashEquivalents contextRef="c-2225" decimals="-6" id="f-5729" unitRef="eur">0</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2226" decimals="-6" id="f-5730" unitRef="eur">75416000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-20" decimals="-6" id="f-5731" unitRef="eur">451732000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2222" decimals="-6" id="f-5732" unitRef="eur">34826000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2223" decimals="-6" id="f-5733" unitRef="eur">41950000000</ifrs-full:FinancialAssetsAtAmortisedCost>
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    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-20" decimals="-6" id="f-5737" unitRef="eur">49462000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2222" decimals="-6" id="f-5738" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2223" decimals="-6" id="f-5739" unitRef="eur">41950000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2224" decimals="-6" id="f-5740" unitRef="eur">6244000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2225" decimals="-6" id="f-5741" unitRef="eur">759000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2226" decimals="-6" id="f-5742" unitRef="eur">48952000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-20" decimals="-6" id="f-5743" unitRef="eur">402270000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2222" decimals="-6" id="f-5744" unitRef="eur">34826000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2223" decimals="-6" id="f-5745" unitRef="eur">0</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2224" decimals="-6" id="f-5746" unitRef="eur">4290000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2225" decimals="-6" id="f-5747" unitRef="eur">358303000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2226" decimals="-6" id="f-5748" unitRef="eur">397418000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-20" decimals="-6" id="f-5749" unitRef="eur">557589000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2222" decimals="-6" id="f-5750" unitRef="eur">358657000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2223" decimals="-6" id="f-5751" unitRef="eur">42742000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2224" decimals="-6" id="f-5752" unitRef="eur">86390000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2225" decimals="-6" id="f-5753" unitRef="eur">68127000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
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    <ifrs-full:DepositsAtAmortisedCost contextRef="c-20" decimals="-6" id="f-5755" unitRef="eur">473835000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2222" decimals="-6" id="f-5756" unitRef="eur">343611000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2223" decimals="-6" id="f-5757" unitRef="eur">1269000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2224" decimals="-6" id="f-5758" unitRef="eur">62049000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2225" decimals="-6" id="f-5759" unitRef="eur">64601000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2226" decimals="-6" id="f-5760" unitRef="eur">471530000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-20" decimals="-6" id="f-5761" unitRef="eur">68707000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2222" decimals="-6" id="f-5762" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2223" decimals="-6" id="f-5763" unitRef="eur">41472000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2224" decimals="-6" id="f-5764" unitRef="eur">24341000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2225" decimals="-6" id="f-5765" unitRef="eur">3526000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2226" decimals="-6" id="f-5766" unitRef="eur">69339000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-20" decimals="-6" id="f-5767" unitRef="eur">15046000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2222" decimals="-6" id="f-5768" unitRef="eur">15046000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2223" decimals="-6" id="f-5769" unitRef="eur">0</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2224" decimals="-6" id="f-5770" unitRef="eur">0</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2225" decimals="-6" id="f-5771" unitRef="eur">0</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2226" decimals="-6" id="f-5772" unitRef="eur">15046000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:CashAndCashEquivalents contextRef="c-21" decimals="-6" id="f-5773" unitRef="eur">79756000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2227" decimals="-6" id="f-5774" unitRef="eur">79756000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2228" decimals="-6" id="f-5775" unitRef="eur">0</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2229" decimals="-6" id="f-5776" unitRef="eur">0</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2230" decimals="-6" id="f-5777" unitRef="eur">0</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-2231" decimals="-6" id="f-5778" unitRef="eur">79756000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-21" decimals="-6" id="f-5779" unitRef="eur">414421000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2227" decimals="-6" id="f-5780" unitRef="eur">33953000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2228" decimals="-6" id="f-5781" unitRef="eur">26239000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2229" decimals="-6" id="f-5782" unitRef="eur">10580000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2230" decimals="-6" id="f-5783" unitRef="eur">342194000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2231" decimals="-6" id="f-5784" unitRef="eur">412965000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-21" decimals="-6" id="f-5785" unitRef="eur">36639000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2227" decimals="-6" id="f-5786" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2228" decimals="-6" id="f-5787" unitRef="eur">26239000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2229" decimals="-6" id="f-5788" unitRef="eur">9313000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2230" decimals="-6" id="f-5789" unitRef="eur">759000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2231" decimals="-6" id="f-5790" unitRef="eur">36311000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-21" decimals="-6" id="f-5791" unitRef="eur">377782000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2227" decimals="-6" id="f-5792" unitRef="eur">33953000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2228" decimals="-6" id="f-5793" unitRef="eur">0</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2229" decimals="-6" id="f-5794" unitRef="eur">1267000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2230" decimals="-6" id="f-5795" unitRef="eur">341435000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2231" decimals="-6" id="f-5796" unitRef="eur">376655000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-21" decimals="-6" id="f-5797" unitRef="eur">529172000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2227" decimals="-6" id="f-5798" unitRef="eur">380520000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2228" decimals="-6" id="f-5799" unitRef="eur">40752000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2229" decimals="-6" id="f-5800" unitRef="eur">43205000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2230" decimals="-6" id="f-5801" unitRef="eur">61118000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2231" decimals="-6" id="f-5802" unitRef="eur">525595000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-21" decimals="-6" id="f-5803" unitRef="eur">459662000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2227" decimals="-6" id="f-5804" unitRef="eur">369387000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2228" decimals="-6" id="f-5805" unitRef="eur">2810000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2229" decimals="-6" id="f-5806" unitRef="eur">35965000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2230" decimals="-6" id="f-5807" unitRef="eur">49731000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2231" decimals="-6" id="f-5808" unitRef="eur">457894000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-21" decimals="-6" id="f-5809" unitRef="eur">55429000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2227" decimals="-6" id="f-5810" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2228" decimals="-6" id="f-5811" unitRef="eur">37942000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2229" decimals="-6" id="f-5812" unitRef="eur">7240000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2230" decimals="-6" id="f-5813" unitRef="eur">8368000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2231" decimals="-6" id="f-5814" unitRef="eur">53550000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-21" decimals="-6" id="f-5815" unitRef="eur">14081000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2227" decimals="-6" id="f-5816" unitRef="eur">11132000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2228" decimals="-6" id="f-5817" unitRef="eur">0</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2229" decimals="-6" id="f-5818" unitRef="eur">0</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2230" decimals="-6" id="f-5819" unitRef="eur">3019000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2231" decimals="-6" id="f-5820" unitRef="eur">14151000000</ifrs-full:OtherFinancialLiabilities>
    <bbva:DisclosureOfCashCashBalancesAtCentralBanksAndOtherDemandDepositsExplanatoryTextBlock contextRef="c-1" id="f-5821">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:26.84pt"&gt;Cash, cash balances at central banks and other demand deposits&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Cash, cash balances at central banks and other demand deposits&#x201d; in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:65.618%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash on hand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,533&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash balances at central banks &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60,750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;67,314&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,202&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,909&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;51,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;75,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;79,756&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfCashCashBalancesAtCentralBanksAndOtherDemandDepositsExplanatoryTextBlock>
    <bbva:CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock contextRef="c-1" id="f-5822">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Cash, cash balances at central banks and other demand deposits&#x201d; in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:65.618%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Cash, cash balances at central banks and other demand deposits (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash on hand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,533&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash balances at central banks &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60,750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;67,314&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,202&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,909&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;51,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;75,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;79,756&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) The variation is mainly due to the evolution of the balances held in the Bank of Spain.&lt;/span&gt;&lt;/div&gt;</bbva:CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock>
    <ifrs-full:Cash contextRef="c-13" decimals="-6" id="f-5823" unitRef="eur">8636000000</ifrs-full:Cash>
    <ifrs-full:Cash contextRef="c-20" decimals="-6" id="f-5824" unitRef="eur">7751000000</ifrs-full:Cash>
    <ifrs-full:Cash contextRef="c-21" decimals="-6" id="f-5825" unitRef="eur">6533000000</ifrs-full:Cash>
    <ifrs-full:CashAndBankBalancesAtCentralBanks contextRef="c-13" decimals="-6" id="f-5826" unitRef="eur">35306000000</ifrs-full:CashAndBankBalancesAtCentralBanks>
    <ifrs-full:CashAndBankBalancesAtCentralBanks contextRef="c-20" decimals="-6" id="f-5827" unitRef="eur">60750000000</ifrs-full:CashAndBankBalancesAtCentralBanks>
    <ifrs-full:CashAndBankBalancesAtCentralBanks contextRef="c-21" decimals="-6" id="f-5828" unitRef="eur">67314000000</ifrs-full:CashAndBankBalancesAtCentralBanks>
    <ifrs-full:OtherFinancialAssets contextRef="c-13" decimals="-6" id="f-5829" unitRef="eur">7202000000</ifrs-full:OtherFinancialAssets>
    <ifrs-full:OtherFinancialAssets contextRef="c-20" decimals="-6" id="f-5830" unitRef="eur">6916000000</ifrs-full:OtherFinancialAssets>
    <ifrs-full:OtherFinancialAssets contextRef="c-21" decimals="-6" id="f-5831" unitRef="eur">5909000000</ifrs-full:OtherFinancialAssets>
    <ifrs-full:CashAndCashEquivalents contextRef="c-13" decimals="-6" id="f-5832" unitRef="eur">51145000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-20" decimals="-6" id="f-5833" unitRef="eur">75416000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:CashAndCashEquivalents contextRef="c-21" decimals="-6" id="f-5834" unitRef="eur">79756000000</ifrs-full:CashAndCashEquivalents>
    <bbva:DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock contextRef="c-1" id="f-5835">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Financial assets and liabilities held for trading&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Breakdown of the balance&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under these headings in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets and liabilities held for trading (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,908&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,404&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;393&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;317&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other sectors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,086&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28,569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,367&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Issued by central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;768&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;821&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Issued by public administrations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,766&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,703&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Issued by financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,365&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,852&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,477&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,993&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,809&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,809&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,938&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56,599&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,231&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,918&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;56,569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;25,201&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,736&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,130&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;15,108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;13,615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14,832&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;108,948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;141,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;110,671&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,909&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,735&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,487&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,654&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,215&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from central banks &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,950&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,950&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28,924&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;15,994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;42,676&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;28,573&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,010&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,201&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,341&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;19,913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,302&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;86,591&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;121,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;95,611&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) The variation is mainly due to the evolution of "Reverse repurchase agreement" of BBVA, S.A. partially offset by the evolution of "Repurchase agreement" principally of BBVA, S.A.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;As of December 31, 2024, 2023 and 2022 &#x201c;Short positions&#x201d; include &#x20ac;13,010 million, &#x20ac;14,914 million and &#x20ac;12,544 million, respectively, held with the Spanish government and other government agencies.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Derivatives &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The derivatives portfolio arises from the Group&#x2019;s need to manage the risks it is exposed to in the normal course of business and also to market products amongst the Group&#x2019;s customers. As of December 31, 2024, 2023 and 2022, most of the derivatives were mainly contracted in over-the-counter (OTC) markets, with counterparties, consisting primarily of credit institutions and other financial institutions. These derivatives are linked to foreign-exchange rate risk, interest-rate risk and changes in equity instruments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Below is a breakdown by type of risk and market, of the fair value and notional amounts of financial derivatives recognized in the consolidated balance sheets, divided into organized and OTC markets:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.844%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives by type of risk and by product or by type of market (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notional amount - Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notional amount - Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notional amount - Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,588&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,951,022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,741,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;19,563&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;18,220&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,286,531&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,930,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,722,314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,278,249&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,282&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;75,045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,587&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,723&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;70,804&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,067&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,770&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;76,749&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;682&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,612&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,551&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,038&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,127&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,739&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,956&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,767&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,257&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,010&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;21,060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;18,704&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;825,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,608&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;632,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,971&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;589,705&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,698&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;810,770&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;623,203&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;580,850&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,855&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31,478&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;43,450&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit default swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;349&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,847&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;540&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29,844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;282&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,760&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit spread option&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Total return swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,952&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,475&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,665&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,939&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;DERIVATIVES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;36,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,895,964&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34,293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,476,860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;39,908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;37,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,996,495&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: OTC - credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,742,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,998&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,463,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;28,385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26,454&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,205,895&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: OTC - other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,914,640&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,412&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,815,162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,745&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,587,546&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: OTC - other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;166,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,854&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;147,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;161,882&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock>
    <bbva:FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock contextRef="c-1" id="f-5836">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under these headings in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets and liabilities held for trading (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,908&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,589&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,404&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;393&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;317&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other sectors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,086&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28,569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,367&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Issued by central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;768&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;821&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Issued by public administrations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,766&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,703&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Issued by financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,365&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,852&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,477&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,993&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,809&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,809&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,938&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56,599&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,231&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,918&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;56,569&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;25,201&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,736&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,130&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;15,108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;13,615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14,832&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;108,948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;141,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;110,671&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;33,045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,909&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,735&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,487&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,654&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72,935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,215&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from central banks &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,950&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,950&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28,924&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;15,994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;42,676&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;28,573&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,010&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,201&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,341&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#666666;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;19,913&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,302&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;86,591&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;121,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;95,611&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) The variation is mainly due to the evolution of "Reverse repurchase agreement" of BBVA, S.A. partially offset by the evolution of "Repurchase agreement" principally of BBVA, S.A.&lt;/span&gt;&lt;/div&gt;</bbva:FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock>
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    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-20" decimals="-6" id="f-5916" unitRef="eur">121715000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-21" decimals="-6" id="f-5917" unitRef="eur">95611000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <bbva:DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock contextRef="c-1" id="f-5918">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Below is a breakdown by type of risk and market, of the fair value and notional amounts of financial derivatives recognized in the consolidated balance sheets, divided into organized and OTC markets:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.844%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives by type of risk and by product or by type of market (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notional amount - Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notional amount - Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notional amount - Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,588&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,951,022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,741,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;19,563&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;18,220&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,286,531&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,930,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,722,314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,278,249&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,282&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;75,045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,587&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,723&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;70,804&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,067&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,770&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;76,749&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;682&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,612&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,551&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,038&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,127&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,739&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,956&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,767&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,257&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,010&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;21,060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;18,704&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;825,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,608&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;632,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,971&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;589,705&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,698&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;810,770&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;623,203&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;580,850&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,855&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31,478&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;43,450&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit default swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;349&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,847&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;540&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29,844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;282&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,760&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit spread option&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Total return swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,952&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,475&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,665&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,939&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;DERIVATIVES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;36,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,895,964&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34,293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;33,045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,476,860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;39,908&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;37,909&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,996,495&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: OTC - credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,742,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,998&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,463,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;28,385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26,454&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,205,895&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: OTC - other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,914,640&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,412&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,815,162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,745&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,587,546&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: OTC - other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;166,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,854&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;147,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;161,882&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2256" decimals="-6" id="f-5919" unitRef="eur">11588000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2256" decimals="-6" id="f-5920" unitRef="eur">9627000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2256" decimals="-6" id="f-5921" unitRef="eur">4951022000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2257" decimals="-6" id="f-5922" unitRef="eur">15251000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2257" decimals="-6" id="f-5923" unitRef="eur">13171000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2257" decimals="-6" id="f-5924" unitRef="eur">4741629000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2258" decimals="-6" id="f-5925" unitRef="eur">19563000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2258" decimals="-6" id="f-5926" unitRef="eur">18220000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2258" decimals="-6" id="f-5927" unitRef="eur">4286531000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2259" decimals="-6" id="f-5928" unitRef="eur">11579000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2259" decimals="-6" id="f-5929" unitRef="eur">9622000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2259" decimals="-6" id="f-5930" unitRef="eur">4930657000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2260" decimals="-6" id="f-5931" unitRef="eur">15248000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2260" decimals="-6" id="f-5932" unitRef="eur">13167000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2260" decimals="-6" id="f-5933" unitRef="eur">4722314000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2261" decimals="-6" id="f-5934" unitRef="eur">19558000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2261" decimals="-6" id="f-5935" unitRef="eur">18215000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2261" decimals="-6" id="f-5936" unitRef="eur">4278249000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2262" decimals="-6" id="f-5937" unitRef="eur">10000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2262" decimals="-6" id="f-5938" unitRef="eur">4000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2262" decimals="-6" id="f-5939" unitRef="eur">20365000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2263" decimals="-6" id="f-5940" unitRef="eur">3000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2263" decimals="-6" id="f-5941" unitRef="eur">4000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2263" decimals="-6" id="f-5942" unitRef="eur">19315000000</ifrs-full:NotionalAmount>
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    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2308" decimals="-6" id="f-6075" unitRef="eur">5042000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2308" decimals="-6" id="f-6076" unitRef="eur">4412000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2308" decimals="-6" id="f-6077" unitRef="eur">3815162000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2309" decimals="-6" id="f-6078" unitRef="eur">5745000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2309" decimals="-6" id="f-6079" unitRef="eur">4493000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2309" decimals="-6" id="f-6080" unitRef="eur">3587546000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2310" decimals="-6" id="f-6081" unitRef="eur">4306000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2310" decimals="-6" id="f-6082" unitRef="eur">3744000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2310" decimals="-6" id="f-6083" unitRef="eur">166402000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2311" decimals="-6" id="f-6084" unitRef="eur">3854000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2311" decimals="-6" id="f-6085" unitRef="eur">3461000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2311" decimals="-6" id="f-6086" unitRef="eur">147310000000</ifrs-full:NotionalAmount>
    <ifrs-full:DerivativeFinancialAssetsHeldForTrading contextRef="c-2312" decimals="-6" id="f-6087" unitRef="eur">4501000000</ifrs-full:DerivativeFinancialAssetsHeldForTrading>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading contextRef="c-2312" decimals="-6" id="f-6088" unitRef="eur">5290000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForTrading>
    <ifrs-full:NotionalAmount contextRef="c-2312" decimals="-6" id="f-6089" unitRef="eur">161882000000</ifrs-full:NotionalAmount>
    <bbva:DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock contextRef="c-1" id="f-6090">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.153%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,511&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;484&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;358&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,546&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,888&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The equity instruments included in this heading mainly comprised financial assets related to the insurance activity of the BBVA Group, including investments associated with life insurance products where the investment risk is assumed by the policyholder, such as the Unit-link products.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock>
    <bbva:NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock contextRef="c-1" id="f-6091">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.153%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,511&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;484&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;358&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,546&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,888&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-6092" unitRef="eur">9782000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-20" decimals="-6" id="f-6093" unitRef="eur">7963000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-21" decimals="-6" id="f-6094" unitRef="eur">6511000000</ifrs-full:EquityInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-6095" unitRef="eur">407000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-20" decimals="-6" id="f-6096" unitRef="eur">484000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-21" decimals="-6" id="f-6097" unitRef="eur">129000000</ifrs-full:DebtInstrumentsHeldAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-6098" unitRef="eur">358000000</ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-20" decimals="-6" id="f-6099" unitRef="eur">290000000</ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading contextRef="c-21" decimals="-6" id="f-6100" unitRef="eur">247000000</ifrs-full:LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-13" decimals="-6" id="f-6101" unitRef="eur">10546000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-20" decimals="-6" id="f-6102" unitRef="eur">8737000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-21" decimals="-6" id="f-6103" unitRef="eur">6888000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory contextRef="c-1" id="f-6104">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Financial assets and liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under these headings in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.980%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets and liabilities designated at fair value through profit or loss (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2 / 8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;717&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,597&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,288&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities: Unit-link products&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,952&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,299&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,580&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This heading includes mainly liabilities linked to insurance products where the risk is assumed by the policyholder (Unit-link products). Since the liabilities linked to insurance products in which the policyholder assumes the risk are valued the same way as the assets associated with such insurance products, there is no credit risk borne by the Group in relation to these liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, debt securities are included in these headings to reduce inconsistencies (asymmetries) in the valuation of such operations and those operations used to manage the risk associated with them.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory>
    <bbva:FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock contextRef="c-1" id="f-6105">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under these headings in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.980%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets and liabilities designated at fair value through profit or loss (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2 / 8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;836&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;913&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;717&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,597&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,288&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities: Unit-link products&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,952&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,299&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,580&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-13" decimals="-6" id="f-6106" unitRef="eur">836000000</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-20" decimals="-6" id="f-6107" unitRef="eur">955000000</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-21" decimals="-6" id="f-6108" unitRef="eur">913000000</bbva:DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-13" decimals="-6" id="f-6109" unitRef="eur">934000000</ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-20" decimals="-6" id="f-6110" unitRef="eur">717000000</ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-21" decimals="-6" id="f-6111" unitRef="eur">700000000</ifrs-full:DepositsFromCustomersAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-13" decimals="-6" id="f-6112" unitRef="eur">4597000000</ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-20" decimals="-6" id="f-6113" unitRef="eur">3977000000</ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-21" decimals="-6" id="f-6114" unitRef="eur">3288000000</ifrs-full:DebtInstrumentsIssuedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-13" decimals="-6" id="f-6115" unitRef="eur">9420000000</bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-20" decimals="-6" id="f-6116" unitRef="eur">8605000000</bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-21" decimals="-6" id="f-6117" unitRef="eur">6592000000</bbva:OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-13" decimals="-6" id="f-6118" unitRef="eur">14952000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-20" decimals="-6" id="f-6119" unitRef="eur">13299000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-21" decimals="-6" id="f-6120" unitRef="eur">10580000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <bbva:DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock contextRef="c-1" id="f-6121">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Breakdown of the balance&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance of financial assets at fair value through other comprehensive income by type of financial instrument as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.678%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,217&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,198&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;57,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,150&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;59,002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;62,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;65,374&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: loss allowances of debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(123)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) During financial years 2024 and 2023, there have been no significant reclassifications from the heading &#x201c;Financial assets at fair value through other comprehensive income&#x201d; to other headings or from other headings to &#x201c;Financial assets at fair value through other comprehensive income&#x201d;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3). &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Equity instruments&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading "Equity instruments" of the consolidated balance sheets as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.118%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.162%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income. Equity instruments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Listed equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spanish companies shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;987&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;960&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Foreign companies shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;131&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;138&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;The United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal listed equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,231&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,098&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unlisted equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spanish companies shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Foreign companies shares &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;174&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;106&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal unlisted equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;220&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,198&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Debt securities &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Debt securities&#x201d; of the consolidated financial statements as of December 31, 2024, 2023 and 2022, broken down by issuers, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.118%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.162%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income. Debt securities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Domestic debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,429&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;901&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;854&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;454&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;495&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;11,475&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;18,779&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Foreign debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;20,461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21,714&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,819&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19,313&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,364&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,452&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;886&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;777&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;389&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;464&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;590&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;The United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,552&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,202&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,703&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,174&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,716&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,808&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,082&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,393&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,849&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,858&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,837&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,858&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,336&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;19,493&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other foreign governments and government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,340&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;508&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,094&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,921&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,895&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,167&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,971&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,892&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;46,052&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;45,852&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;45,372&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;57,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;60,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;64,150&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The credit ratings of the issuers of debt securities as of December 31, 2024, 2023 and 2022 are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.362%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.696%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.696%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.699%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt securities by rating&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(Millions of euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,339&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AA+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;A+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;905&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,798&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,725&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;A-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBB+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,854&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,470&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBB-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;922&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;858&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BB+ or below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,227&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,480&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Unclassified&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;474&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;178&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;258&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;57,526&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,963&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;64,150&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Gains/losses&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The changes in the gains/losses (net of taxes) in 2024, 2023 and 2022 of debt securities recognized under the equity heading &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that may be reclassified to profit or loss &#x2013; Fair value changes of debt instruments measured at fair value through other comprehensive income&#x201d; and equity instruments recognized under the equity heading &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that will not be reclassified to profit or loss &#x2013;Fair value changes of equity instruments measured at fair value through other comprehensive income&#x201d; in the consolidated balance sheets are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.792%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.918%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other comprehensive income - Changes in gains (losses) (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(809)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,274&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,194)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,079)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Valuation gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(568)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;659&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,049)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;228&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Amounts transferred to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Amounts transferred to Reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Income tax and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(211)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;946&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(576)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(809)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(905)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,194)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;In 2024, 2023 and 2022, equity instruments presented an increase of &#x20ac;228 million, an increase of &#x20ac;80 million and a decrease of &#x20ac;112 million, respectively, in the heading &#x201c;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&#x201d;, mainly due to changes in Telefonica&#x2019;s share price. Likewise, the valuations of debt securities have been affected mainly by the evolution of interest rates.</bbva:DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock>
    <bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock contextRef="c-1" id="f-6122">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance of financial assets at fair value through other comprehensive income by type of financial instrument as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.678%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,217&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,198&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;57,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,150&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;59,002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;62,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;65,374&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: loss allowances of debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(123)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;(1) During financial years 2024 and 2023, there have been no significant reclassifications from the heading &#x201c;Financial assets at fair value through other comprehensive income&#x201d; to other headings or from other headings to &#x201c;Financial assets at fair value through other comprehensive income&#x201d;. In 2022, it includes redesignations from the heading "Financial assets at amortized cost" due to the application of IFRS 17 in 2022 (see Note 1.3).</bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-6123" unitRef="eur">1451000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-20" decimals="-6" id="f-6124" unitRef="eur">1217000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-6125" unitRef="eur">1198000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-6126" unitRef="eur">57526000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-20" decimals="-6" id="f-6127" unitRef="eur">60963000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-6128" unitRef="eur">64150000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-6129" unitRef="eur">25000000</ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-20" decimals="-6" id="f-6130" unitRef="eur">26000000</ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-6131" unitRef="eur">26000000</ifrs-full:LoansAndAdvancesToBanksMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-6132" unitRef="eur">59002000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-20" decimals="-6" id="f-6133" unitRef="eur">62205000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-6134" unitRef="eur">65374000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <bbva:OfWhichLossAllowancesOfDebtSecurities contextRef="c-13" decimals="-6" id="f-6135" unitRef="eur">-112000000</bbva:OfWhichLossAllowancesOfDebtSecurities>
    <bbva:OfWhichLossAllowancesOfDebtSecurities contextRef="c-20" decimals="-6" id="f-6136" unitRef="eur">-84000000</bbva:OfWhichLossAllowancesOfDebtSecurities>
    <bbva:OfWhichLossAllowancesOfDebtSecurities contextRef="c-21" decimals="-6" id="f-6137" unitRef="eur">-123000000</bbva:OfWhichLossAllowancesOfDebtSecurities>
    <bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock contextRef="c-1" id="f-6138">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading "Equity instruments" of the consolidated balance sheets as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.118%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.162%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income. Equity instruments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:bottom"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Listed equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spanish companies shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;987&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;960&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Foreign companies shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;131&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;138&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;The United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal listed equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,231&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,098&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Unlisted equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Spanish companies shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Foreign companies shares &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;174&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;106&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal unlisted equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;220&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,198&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2313" decimals="-6" id="f-6139" unitRef="eur">1100000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2314" decimals="-6" id="f-6140" unitRef="eur">987000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2315" decimals="-6" id="f-6141" unitRef="eur">960000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2316" decimals="-6" id="f-6142" unitRef="eur">131000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2317" decimals="-6" id="f-6143" unitRef="eur">111000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2318" decimals="-6" id="f-6144" unitRef="eur">138000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2319" decimals="-6" id="f-6145" unitRef="eur">27000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2320" decimals="-6" id="f-6146" unitRef="eur">33000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2321" decimals="-6" id="f-6147" unitRef="eur">31000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2322" decimals="-6" id="f-6148" unitRef="eur">79000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2323" decimals="-6" id="f-6149" unitRef="eur">52000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2324" decimals="-6" id="f-6150" unitRef="eur">44000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2325" decimals="-6" id="f-6151" unitRef="eur">9000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2326" decimals="-6" id="f-6152" unitRef="eur">6000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2327" decimals="-6" id="f-6153" unitRef="eur">7000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2328" decimals="-6" id="f-6154" unitRef="eur">17000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2329" decimals="-6" id="f-6155" unitRef="eur">20000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2330" decimals="-6" id="f-6156" unitRef="eur">56000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2331" decimals="-6" id="f-6157" unitRef="eur">1231000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2332" decimals="-6" id="f-6158" unitRef="eur">1098000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2333" decimals="-6" id="f-6159" unitRef="eur">1098000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2334" decimals="-6" id="f-6160" unitRef="eur">46000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2335" decimals="-6" id="f-6161" unitRef="eur">12000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2336" decimals="-6" id="f-6162" unitRef="eur">12000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2337" decimals="-6" id="f-6163" unitRef="eur">174000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2338" decimals="-6" id="f-6164" unitRef="eur">106000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2339" decimals="-6" id="f-6165" unitRef="eur">87000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2340" decimals="-6" id="f-6166" unitRef="eur">220000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2341" decimals="-6" id="f-6167" unitRef="eur">119000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2342" decimals="-6" id="f-6168" unitRef="eur">100000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-6169" unitRef="eur">1451000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-20" decimals="-6" id="f-6170" unitRef="eur">1217000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-6171" unitRef="eur">1198000000</ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock contextRef="c-1" id="f-6172">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Debt securities&#x201d; of the consolidated financial statements as of December 31, 2024, 2023 and 2022, broken down by issuers, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.118%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.162%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Financial assets at fair value through other comprehensive income. Debt securities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Domestic debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13,757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,429&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;901&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;854&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;454&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;495&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;11,475&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;18,779&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Foreign debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;20,461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21,714&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,819&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19,313&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20,364&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15,452&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;886&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;777&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;389&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;464&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;590&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;The United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,552&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,202&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,703&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,174&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,716&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,808&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,082&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,393&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,849&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,858&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,837&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,858&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,336&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;19,493&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other foreign governments and government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,059&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8,961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10,340&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;508&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,094&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,921&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,895&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,167&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,971&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,892&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;46,052&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;45,852&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;45,372&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;57,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;60,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;64,150&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2343" decimals="-6" id="f-6173" unitRef="eur">10383000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2344" decimals="-6" id="f-6174" unitRef="eur">13757000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2345" decimals="-6" id="f-6175" unitRef="eur">17429000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2346" decimals="-6" id="f-6176" unitRef="eur">695000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2347" decimals="-6" id="f-6177" unitRef="eur">901000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2348" decimals="-6" id="f-6178" unitRef="eur">854000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2349" decimals="-6" id="f-6179" unitRef="eur">397000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2350" decimals="-6" id="f-6180" unitRef="eur">454000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2351" decimals="-6" id="f-6181" unitRef="eur">495000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2352" decimals="-6" id="f-6182" unitRef="eur">11475000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2353" decimals="-6" id="f-6183" unitRef="eur">15111000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2354" decimals="-6" id="f-6184" unitRef="eur">18779000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2355" decimals="-6" id="f-6185" unitRef="eur">20461000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2356" decimals="-6" id="f-6186" unitRef="eur">21714000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2357" decimals="-6" id="f-6187" unitRef="eur">16819000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2358" decimals="-6" id="f-6188" unitRef="eur">19313000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2359" decimals="-6" id="f-6189" unitRef="eur">20364000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2360" decimals="-6" id="f-6190" unitRef="eur">15452000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2361" decimals="-6" id="f-6191" unitRef="eur">759000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2362" decimals="-6" id="f-6192" unitRef="eur">886000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2363" decimals="-6" id="f-6193" unitRef="eur">777000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2364" decimals="-6" id="f-6194" unitRef="eur">389000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2365" decimals="-6" id="f-6195" unitRef="eur">464000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2366" decimals="-6" id="f-6196" unitRef="eur">590000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2367" decimals="-6" id="f-6197" unitRef="eur">6552000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2368" decimals="-6" id="f-6198" unitRef="eur">6344000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2369" decimals="-6" id="f-6199" unitRef="eur">5202000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2370" decimals="-6" id="f-6200" unitRef="eur">3703000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2371" decimals="-6" id="f-6201" unitRef="eur">3174000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2372" decimals="-6" id="f-6202" unitRef="eur">2716000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2373" decimals="-6" id="f-6203" unitRef="eur">41000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2374" decimals="-6" id="f-6204" unitRef="eur">88000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2375" decimals="-6" id="f-6205" unitRef="eur">93000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2376" decimals="-6" id="f-6206" unitRef="eur">2808000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2377" decimals="-6" id="f-6207" unitRef="eur">3082000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2378" decimals="-6" id="f-6208" unitRef="eur">2393000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2379" decimals="-6" id="f-6209" unitRef="eur">2849000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2380" decimals="-6" id="f-6210" unitRef="eur">2459000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2381" decimals="-6" id="f-6211" unitRef="eur">3858000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2382" decimals="-6" id="f-6212" unitRef="eur">2837000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2383" decimals="-6" id="f-6213" unitRef="eur">2445000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2384" decimals="-6" id="f-6214" unitRef="eur">3858000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2385" decimals="-6" id="f-6215" unitRef="eur">12000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2386" decimals="-6" id="f-6216" unitRef="eur">14000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2387" decimals="-6" id="f-6217" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2388" decimals="-6" id="f-6218" unitRef="eur">16190000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2389" decimals="-6" id="f-6219" unitRef="eur">15336000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2390" decimals="-6" id="f-6220" unitRef="eur">19493000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2391" decimals="-6" id="f-6221" unitRef="eur">10059000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2392" decimals="-6" id="f-6222" unitRef="eur">8961000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2393" decimals="-6" id="f-6223" unitRef="eur">10340000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2394" decimals="-6" id="f-6224" unitRef="eur">370000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2395" decimals="-6" id="f-6225" unitRef="eur">508000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2396" decimals="-6" id="f-6226" unitRef="eur">3094000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2397" decimals="-6" id="f-6227" unitRef="eur">1921000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2398" decimals="-6" id="f-6228" unitRef="eur">1895000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2399" decimals="-6" id="f-6229" unitRef="eur">2167000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2400" decimals="-6" id="f-6230" unitRef="eur">3840000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2401" decimals="-6" id="f-6231" unitRef="eur">3971000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2402" decimals="-6" id="f-6232" unitRef="eur">3892000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2403" decimals="-6" id="f-6233" unitRef="eur">46052000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2404" decimals="-6" id="f-6234" unitRef="eur">45852000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2405" decimals="-6" id="f-6235" unitRef="eur">45372000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-6236" unitRef="eur">57526000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-20" decimals="-6" id="f-6237" unitRef="eur">60963000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-6238" unitRef="eur">64150000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock contextRef="c-1" id="f-6239">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The credit ratings of the issuers of debt securities as of December 31, 2024, 2023 and 2022 are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.362%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.696%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.696%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.699%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt securities by rating&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fair value&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(Millions of euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,339&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AA+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;A+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;905&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,798&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,866&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,725&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;A-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBB+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,854&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,470&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBB-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;922&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;858&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BB+ or below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,227&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,480&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Unclassified&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;474&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;178&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;258&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;57,526&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,963&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;64,150&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2406" decimals="-6" id="f-6240" unitRef="eur">1370000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2406"
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      id="f-6241"
      unitRef="number">0.024</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2407" decimals="-6" id="f-6242" unitRef="eur">1000000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2407"
      decimals="3"
      id="f-6243"
      unitRef="number">0.016</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2408" decimals="-6" id="f-6244" unitRef="eur">3339000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2408"
      decimals="3"
      id="f-6245"
      unitRef="number">0.052</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2409" decimals="-6" id="f-6246" unitRef="eur">4170000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2409"
      decimals="3"
      id="f-6247"
      unitRef="number">0.072</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2410" decimals="-6" id="f-6248" unitRef="eur">3685000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2410"
      decimals="3"
      id="f-6249"
      unitRef="number">0.060</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2411" decimals="-6" id="f-6250" unitRef="eur">490000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2411"
      decimals="3"
      id="f-6251"
      unitRef="number">0.008</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2412" decimals="-6" id="f-6252" unitRef="eur">261000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2412"
      decimals="3"
      id="f-6253"
      unitRef="number">0.005</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2413" decimals="-6" id="f-6254" unitRef="eur">384000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2413"
      decimals="3"
      id="f-6255"
      unitRef="number">0.006</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2414" decimals="-6" id="f-6256" unitRef="eur">420000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2414"
      decimals="3"
      id="f-6257"
      unitRef="number">0.007</bbva:PercentageOfDebtSecuritiesByRating>
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    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2415"
      decimals="3"
      id="f-6259"
      unitRef="number">0.018</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2416" decimals="-6" id="f-6260" unitRef="eur">642000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2416"
      decimals="3"
      id="f-6261"
      unitRef="number">0.011</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2417" decimals="-6" id="f-6262" unitRef="eur">501000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2417"
      decimals="3"
      id="f-6263"
      unitRef="number">0.008</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2418" decimals="-6" id="f-6264" unitRef="eur">905000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2418"
      decimals="3"
      id="f-6265"
      unitRef="number">0.016</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2419" decimals="-6" id="f-6266" unitRef="eur">1798000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2419"
      decimals="3"
      id="f-6267"
      unitRef="number">0.030</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2420" decimals="-6" id="f-6268" unitRef="eur">3866000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2420"
      decimals="3"
      id="f-6269"
      unitRef="number">0.060</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2421" decimals="-6" id="f-6270" unitRef="eur">2007000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2421"
      decimals="3"
      id="f-6271"
      unitRef="number">0.035</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2422" decimals="-6" id="f-6272" unitRef="eur">1747000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2422"
      decimals="3"
      id="f-6273"
      unitRef="number">0.029</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2423" decimals="-6" id="f-6274" unitRef="eur">1725000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
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      contextRef="c-2423"
      decimals="3"
      id="f-6275"
      unitRef="number">0.027</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2424" decimals="-6" id="f-6276" unitRef="eur">12018000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
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      contextRef="c-2424"
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      id="f-6277"
      unitRef="number">0.209</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2425" decimals="-6" id="f-6278" unitRef="eur">16009000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
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      unitRef="number">0.263</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2426" decimals="-6" id="f-6280" unitRef="eur">20350000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
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      id="f-6283"
      unitRef="number">0.346</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2428" decimals="-6" id="f-6284" unitRef="eur">22854000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
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      decimals="3"
      id="f-6285"
      unitRef="number">0.375</bbva:PercentageOfDebtSecuritiesByRating>
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      contextRef="c-2429"
      decimals="3"
      id="f-6287"
      unitRef="number">0.269</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2430" decimals="-6" id="f-6288" unitRef="eur">9212000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2430"
      decimals="3"
      id="f-6289"
      unitRef="number">0.160</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2431" decimals="-6" id="f-6290" unitRef="eur">8327000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2431"
      decimals="3"
      id="f-6291"
      unitRef="number">0.137</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2432" decimals="-6" id="f-6292" unitRef="eur">7470000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2432"
      decimals="3"
      id="f-6293"
      unitRef="number">0.116</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2433" decimals="-6" id="f-6294" unitRef="eur">922000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2433"
      decimals="3"
      id="f-6295"
      unitRef="number">0.016</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2434" decimals="-6" id="f-6296" unitRef="eur">858000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2434"
      decimals="3"
      id="f-6297"
      unitRef="number">0.014</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2435" decimals="-6" id="f-6298" unitRef="eur">1111000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2435"
      decimals="3"
      id="f-6299"
      unitRef="number">0.017</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2436" decimals="-6" id="f-6300" unitRef="eur">5227000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2436"
      decimals="3"
      id="f-6301"
      unitRef="number">0.091</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2437" decimals="-6" id="f-6302" unitRef="eur">3480000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2437"
      decimals="3"
      id="f-6303"
      unitRef="number">0.057</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2438" decimals="-6" id="f-6304" unitRef="eur">7366000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2438"
      decimals="3"
      id="f-6305"
      unitRef="number">0.115</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2439" decimals="-6" id="f-6306" unitRef="eur">474000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2439"
      decimals="3"
      id="f-6307"
      unitRef="number">0.008</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2440" decimals="-6" id="f-6308" unitRef="eur">178000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2440"
      decimals="3"
      id="f-6309"
      unitRef="number">0.003</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2441" decimals="-6" id="f-6310" unitRef="eur">258000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating
      contextRef="c-2441"
      decimals="3"
      id="f-6311"
      unitRef="number">0.004</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-6312" unitRef="eur">57526000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating contextRef="c-13" decimals="3" id="f-6313" unitRef="number">1.000</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-20" decimals="-6" id="f-6314" unitRef="eur">60963000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating contextRef="c-20" decimals="3" id="f-6315" unitRef="number">1.000</bbva:PercentageOfDebtSecuritiesByRating>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-6316" unitRef="eur">64150000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:PercentageOfDebtSecuritiesByRating contextRef="c-21" decimals="3" id="f-6317" unitRef="number">1.000</bbva:PercentageOfDebtSecuritiesByRating>
    <bbva:AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock contextRef="c-1" id="f-6318">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The changes in the gains/losses (net of taxes) in 2024, 2023 and 2022 of debt securities recognized under the equity heading &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that may be reclassified to profit or loss &#x2013; Fair value changes of debt instruments measured at fair value through other comprehensive income&#x201d; and equity instruments recognized under the equity heading &#x201c;Accumulated other comprehensive income (loss) &#x2013; Items that will not be reclassified to profit or loss &#x2013;Fair value changes of equity instruments measured at fair value through other comprehensive income&#x201d; in the consolidated balance sheets are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.792%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.915%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.918%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other comprehensive income - Changes in gains (losses) (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(809)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,274&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,194)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,079)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Valuation gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(568)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;659&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,049)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;228&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Amounts transferred to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Amounts transferred to Reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Income tax and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(211)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;946&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(576)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(809)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(905)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,194)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock>
    <bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-6319" unitRef="eur">-357000000</bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-6320" unitRef="eur">-809000000</bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss contextRef="c-173" decimals="-6" id="f-6321" unitRef="eur">1274000000</bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-6322" unitRef="eur">-1112000000</bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-6323" unitRef="eur">-1194000000</bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-173" decimals="-6" id="f-6324" unitRef="eur">-1079000000</bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:ValuationGainsAndLosses contextRef="c-2442" decimals="-6" id="f-6325" unitRef="eur">-568000000</bbva:ValuationGainsAndLosses>
    <bbva:ValuationGainsAndLosses contextRef="c-2443" decimals="-6" id="f-6326" unitRef="eur">659000000</bbva:ValuationGainsAndLosses>
    <bbva:ValuationGainsAndLosses contextRef="c-2444" decimals="-6" id="f-6327" unitRef="eur">-3049000000</bbva:ValuationGainsAndLosses>
    <bbva:ValuationGainsAndLosses contextRef="c-2445" decimals="-6" id="f-6328" unitRef="eur">228000000</bbva:ValuationGainsAndLosses>
    <bbva:ValuationGainsAndLosses contextRef="c-2446" decimals="-6" id="f-6329" unitRef="eur">80000000</bbva:ValuationGainsAndLosses>
    <bbva:ValuationGainsAndLosses contextRef="c-2447" decimals="-6" id="f-6330" unitRef="eur">-112000000</bbva:ValuationGainsAndLosses>
    <bbva:AmountsTransferredToIncome contextRef="c-2442" decimals="-6" id="f-6331" unitRef="eur">247000000</bbva:AmountsTransferredToIncome>
    <bbva:AmountsTransferredToIncome contextRef="c-2443" decimals="-6" id="f-6332" unitRef="eur">5000000</bbva:AmountsTransferredToIncome>
    <bbva:AmountsTransferredToIncome contextRef="c-2444" decimals="-6" id="f-6333" unitRef="eur">20000000</bbva:AmountsTransferredToIncome>
    <bbva:AmountsTransferredToReserves contextRef="c-2445" decimals="-6" id="f-6334" unitRef="eur">0</bbva:AmountsTransferredToReserves>
    <bbva:AmountsTransferredToReserves contextRef="c-2446" decimals="-6" id="f-6335" unitRef="eur">2000000</bbva:AmountsTransferredToReserves>
    <bbva:AmountsTransferredToReserves contextRef="c-2447" decimals="-6" id="f-6336" unitRef="eur">-2000000</bbva:AmountsTransferredToReserves>
    <bbva:IncomeTaxAndOther contextRef="c-2442" decimals="-6" id="f-6337" unitRef="eur">101000000</bbva:IncomeTaxAndOther>
    <bbva:IncomeTaxAndOther contextRef="c-2443" decimals="-6" id="f-6338" unitRef="eur">-211000000</bbva:IncomeTaxAndOther>
    <bbva:IncomeTaxAndOther contextRef="c-2444" decimals="-6" id="f-6339" unitRef="eur">946000000</bbva:IncomeTaxAndOther>
    <bbva:IncomeTaxAndOther contextRef="c-2445" decimals="-6" id="f-6340" unitRef="eur">-20000000</bbva:IncomeTaxAndOther>
    <bbva:IncomeTaxAndOther contextRef="c-2446" decimals="-6" id="f-6341" unitRef="eur">-1000000</bbva:IncomeTaxAndOther>
    <bbva:IncomeTaxAndOther contextRef="c-2447" decimals="-6" id="f-6342" unitRef="eur">-1000000</bbva:IncomeTaxAndOther>
    <bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss contextRef="c-13" decimals="-6" id="f-6343" unitRef="eur">-576000000</bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-6344" unitRef="eur">-357000000</bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-6345" unitRef="eur">-809000000</bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-13" decimals="-6" id="f-6346" unitRef="eur">-905000000</bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-6347" unitRef="eur">-1112000000</bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-6348" unitRef="eur">-1194000000</bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:DisclosureOfFinancialAssetsAtAmortisedCostTextBlock contextRef="c-1" id="f-6349">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Breakdown of the balance&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets, according to the nature of the financial instrument, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.436%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;59,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;49,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;36,639&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Government&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;54,806&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,648&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;400&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;923&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;602&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,292&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;967&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,401&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,655&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;17,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,031&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,786&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,251&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,690&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,780&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;412,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;377,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;357,351&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Government&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,892&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,765&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;193,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;165,433&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;179,483&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;170,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158,261&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;502,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;451,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;414,421&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: impaired assets of loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14,211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14,444&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: loss allowances of loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7.2.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11,630)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11,316)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11,291)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: loss allowances of debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(57)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Debt securities &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Debt securities&#x201d; in the consolidated balance sheets, according to the issuer of the debt securities, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.016%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.349%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.744%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.491%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost. Debt securities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Domestic debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35,664&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25,857&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,099&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;37,130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;27,114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;18,541&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Foreign debt securities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21,884&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,076&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;The United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,764&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,325&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;109&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other countries&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,328&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other foreign governments and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,982&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,219&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,591&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21,884&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;22,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;18,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;59,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;49,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;36,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the distribution according to the credit quality (ratings) of the issuers of debt securities classified as financial assets at amortized cost, was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.867%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt securities by rating&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,907&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,829&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,068&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;AA+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,418&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;AA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;69&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;142&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;82&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;A+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;444&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;A-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;58.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,739&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,050&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;BBB+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,518&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,551&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,091&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;BBB-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;548&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;BB+ or below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,789&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Unclassified&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;711&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;667&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;59,014&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;49,462&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;36,639&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Loans and advances to customers&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets, according to their nature, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.448%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;On demand and short notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,040&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,101&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit card debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,898&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trade receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,693&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,987&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,571&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;331,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;312,186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;294,059&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Advances that are not loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,919&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,877&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,633&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;412,477&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;377,643&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;357,351&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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, 2024, 2023 and 2022: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.855%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.689%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances maturing in more than one year by fixed and variable rate (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fixed rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;67,284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85,473&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;152,757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;63,060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;77,381&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;140,441&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59,394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;67,874&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;127,269&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Variable rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;62,359&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;65,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;127,851&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66,188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;61,723&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;127,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;69,647&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;53,440&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;123,087&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129,642&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150,966&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;280,608&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129,248&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;139,104&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;268,352&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129,042&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;121,314&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;250,356&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;As of December 31, 2024, 2023 and 2022, 54%, 52% and 51%, respectively, of "Loans and advances to customers" with maturity greater than one year have fixed-interest rates and 46%, 48% and 49%, respectively, have variable interest rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.684%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.306%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Securitized loans (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securitized mortgage assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,406&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,290&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other securitized assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,495&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;28,239&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;28,899&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;28,784&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading of Loans and advances to customers includes a deposit with the Bank of France associated with the contribution to the Single Resolution Fund for the years 2018, 2017 and 2016, which was made in the form of an irrevocable payment commitment, given that its amount is considered to be recoverable as of December 31, 2024. The resolution of the appeal filed with the Court of Justice of the European Union by a financial institution outside the Group against the decision of the Court of Justice of the European Union rejecting the return of amounts deposited is pending. This could lead to a claim by the Single Resolution Board. In any case, the BBVA Group balance of this deposit as of December 31, 2024 is not significant.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfFinancialAssetsAtAmortisedCostTextBlock>
    <bbva:FinancialAssetsAtAmortisedCostTableTextBlock contextRef="c-1" id="f-6350">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets, according to the nature of the financial instrument, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.436%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;59,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;49,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;36,639&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Government&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;54,806&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,648&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;400&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;923&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;602&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,292&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;967&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances to central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,401&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,655&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;17,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,031&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,786&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,251&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,690&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,780&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;412,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;377,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;357,351&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Government&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,892&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,765&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;193,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;165,433&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;179,483&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;170,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158,261&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;502,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;451,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;414,421&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: impaired assets of loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14,211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14,444&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;13,493&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: loss allowances of loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7.2.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11,630)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11,316)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11,291)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: loss allowances of debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(57)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) This includes redesignations to the heading "Financial assets at fair value through other comprehensive income" due to the application of IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:FinancialAssetsAtAmortisedCostTableTextBlock>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-13" decimals="-6" id="f-6351" unitRef="eur">59014000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-20" decimals="-6" id="f-6352" unitRef="eur">49462000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-21" decimals="-6" id="f-6353" unitRef="eur">36639000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2448" decimals="-6" id="f-6354" unitRef="eur">6000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2449" decimals="-6" id="f-6355" unitRef="eur">22000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2450" decimals="-6" id="f-6356" unitRef="eur">21000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2451" decimals="-6" id="f-6357" unitRef="eur">54806000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2452" decimals="-6" id="f-6358" unitRef="eur">45124000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2453" decimals="-6" id="f-6359" unitRef="eur">34648000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2454" decimals="-6" id="f-6360" unitRef="eur">2459000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2455" decimals="-6" id="f-6361" unitRef="eur">2366000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2456" decimals="-6" id="f-6362" unitRef="eur">400000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2457" decimals="-6" id="f-6363" unitRef="eur">451000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2458" decimals="-6" id="f-6364" unitRef="eur">923000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2459" decimals="-6" id="f-6365" unitRef="eur">602000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2460" decimals="-6" id="f-6366" unitRef="eur">1292000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2461" decimals="-6" id="f-6367" unitRef="eur">1027000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2462" decimals="-6" id="f-6368" unitRef="eur">967000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCentralBanks contextRef="c-13" decimals="-6" id="f-6369" unitRef="eur">8255000000</ifrs-full:LoansAndAdvancesToCentralBanks>
    <ifrs-full:LoansAndAdvancesToCentralBanks contextRef="c-20" decimals="-6" id="f-6370" unitRef="eur">7151000000</ifrs-full:LoansAndAdvancesToCentralBanks>
    <ifrs-full:LoansAndAdvancesToCentralBanks contextRef="c-21" decimals="-6" id="f-6371" unitRef="eur">4401000000</ifrs-full:LoansAndAdvancesToCentralBanks>
    <ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost contextRef="c-13" decimals="-6" id="f-6372" unitRef="eur">22655000000</ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost contextRef="c-20" decimals="-6" id="f-6373" unitRef="eur">17477000000</ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost contextRef="c-21" decimals="-6" id="f-6374" unitRef="eur">16031000000</ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost contextRef="c-2463" decimals="-6" id="f-6375" unitRef="eur">9157000000</ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost contextRef="c-2464" decimals="-6" id="f-6376" unitRef="eur">5786000000</ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost contextRef="c-2465" decimals="-6" id="f-6377" unitRef="eur">5251000000</ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost contextRef="c-2466" decimals="-6" id="f-6378" unitRef="eur">13497000000</ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost contextRef="c-2467" decimals="-6" id="f-6379" unitRef="eur">11690000000</ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost contextRef="c-2468" decimals="-6" id="f-6380" unitRef="eur">10780000000</ifrs-full:LoansAndAdvancesToBanksAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-13" decimals="-6" id="f-6381" unitRef="eur">412477000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-20" decimals="-6" id="f-6382" unitRef="eur">377643000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-21" decimals="-6" id="f-6383" unitRef="eur">357351000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2451" decimals="-6" id="f-6384" unitRef="eur">22111000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2452" decimals="-6" id="f-6385" unitRef="eur">23265000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2453" decimals="-6" id="f-6386" unitRef="eur">20892000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2457" decimals="-6" id="f-6387" unitRef="eur">17497000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2458" decimals="-6" id="f-6388" unitRef="eur">13251000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2459" decimals="-6" id="f-6389" unitRef="eur">12765000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2460" decimals="-6" id="f-6390" unitRef="eur">193386000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2461" decimals="-6" id="f-6391" unitRef="eur">171063000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2462" decimals="-6" id="f-6392" unitRef="eur">165433000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2469" decimals="-6" id="f-6393" unitRef="eur">179483000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2470" decimals="-6" id="f-6394" unitRef="eur">170063000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2471" decimals="-6" id="f-6395" unitRef="eur">158261000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-13" decimals="-6" id="f-6396" unitRef="eur">502400000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-20" decimals="-6" id="f-6397" unitRef="eur">451732000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-21" decimals="-6" id="f-6398" unitRef="eur">414421000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-688" decimals="-6" id="f-6399" unitRef="eur">14211000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2472" decimals="-6" id="f-6400" unitRef="eur">14444000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2473" decimals="-6" id="f-6401" unitRef="eur">13493000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-1179" decimals="-6" id="f-6402" unitRef="eur">11630000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-1186" decimals="-6" id="f-6403" unitRef="eur">11316000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-1193" decimals="-6" id="f-6404" unitRef="eur">11291000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2474" decimals="-6" id="f-6405" unitRef="eur">57000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2475" decimals="-6" id="f-6406" unitRef="eur">82000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2476" decimals="-6" id="f-6407" unitRef="eur">91000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <bbva:DebtSecuritiesAtAmortizedCostTableTextBlock contextRef="c-1" id="f-6408">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Debt securities&#x201d; in the consolidated balance sheets, according to the issuer of the debt securities, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.277%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.016%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.349%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.744%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.491%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets at amortized cost. Debt securities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Domestic debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;35,664&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25,857&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,099&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;37,130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;27,114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;18,541&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Foreign debt securities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21,884&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,076&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;The United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2,159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,764&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Government and other government agencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,325&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;109&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other countries&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,328&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other foreign governments and other government agency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,982&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other issuers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,219&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,591&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Subtotal &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21,884&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;22,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;18,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;59,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;49,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;36,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:DebtSecuritiesAtAmortizedCostTableTextBlock>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2477" decimals="-6" id="f-6409" unitRef="eur">35664000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2478" decimals="-6" id="f-6410" unitRef="eur">25857000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2479" decimals="-6" id="f-6411" unitRef="eur">18397000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2480" decimals="-6" id="f-6412" unitRef="eur">1099000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2481" decimals="-6" id="f-6413" unitRef="eur">1028000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2482" decimals="-6" id="f-6414" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2483" decimals="-6" id="f-6415" unitRef="eur">367000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2484" decimals="-6" id="f-6416" unitRef="eur">230000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2485" decimals="-6" id="f-6417" unitRef="eur">144000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2486" decimals="-6" id="f-6418" unitRef="eur">37130000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2487" decimals="-6" id="f-6419" unitRef="eur">27114000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2488" decimals="-6" id="f-6420" unitRef="eur">18541000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2489" decimals="-6" id="f-6421" unitRef="eur">4139000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2490" decimals="-6" id="f-6422" unitRef="eur">6277000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2491" decimals="-6" id="f-6423" unitRef="eur">4222000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2492" decimals="-6" id="f-6424" unitRef="eur">4076000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2493" decimals="-6" id="f-6425" unitRef="eur">6205000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2494" decimals="-6" id="f-6426" unitRef="eur">4198000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2495" decimals="-6" id="f-6427" unitRef="eur">63000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2496" decimals="-6" id="f-6428" unitRef="eur">72000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2497" decimals="-6" id="f-6429" unitRef="eur">24000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2498" decimals="-6" id="f-6430" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2499" decimals="-6" id="f-6431" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2500" decimals="-6" id="f-6432" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2501" decimals="-6" id="f-6433" unitRef="eur">2505000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2502" decimals="-6" id="f-6434" unitRef="eur">2229000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2503" decimals="-6" id="f-6435" unitRef="eur">2215000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2504" decimals="-6" id="f-6436" unitRef="eur">2463000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2505" decimals="-6" id="f-6437" unitRef="eur">2188000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2506" decimals="-6" id="f-6438" unitRef="eur">2159000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2507" decimals="-6" id="f-6439" unitRef="eur">20000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2508" decimals="-6" id="f-6440" unitRef="eur">19000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2509" decimals="-6" id="f-6441" unitRef="eur">25000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2510" decimals="-6" id="f-6442" unitRef="eur">22000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2511" decimals="-6" id="f-6443" unitRef="eur">21000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2512" decimals="-6" id="f-6444" unitRef="eur">31000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2513" decimals="-6" id="f-6445" unitRef="eur">6764000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2514" decimals="-6" id="f-6446" unitRef="eur">6284000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2515" decimals="-6" id="f-6447" unitRef="eur">5332000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2516" decimals="-6" id="f-6448" unitRef="eur">6622000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2517" decimals="-6" id="f-6449" unitRef="eur">6167000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2518" decimals="-6" id="f-6450" unitRef="eur">5325000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2519" decimals="-6" id="f-6451" unitRef="eur">7000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2520" decimals="-6" id="f-6452" unitRef="eur">8000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2521" decimals="-6" id="f-6453" unitRef="eur">6000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2522" decimals="-6" id="f-6454" unitRef="eur">135000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2523" decimals="-6" id="f-6455" unitRef="eur">109000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2524" decimals="-6" id="f-6456" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2525" decimals="-6" id="f-6457" unitRef="eur">8476000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2526" decimals="-6" id="f-6458" unitRef="eur">7558000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2527" decimals="-6" id="f-6459" unitRef="eur">6328000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2528" decimals="-6" id="f-6460" unitRef="eur">5982000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2529" decimals="-6" id="f-6461" unitRef="eur">4707000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2530" decimals="-6" id="f-6462" unitRef="eur">4568000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2531" decimals="-6" id="f-6463" unitRef="eur">6000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2532" decimals="-6" id="f-6464" unitRef="eur">22000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2533" decimals="-6" id="f-6465" unitRef="eur">21000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2534" decimals="-6" id="f-6466" unitRef="eur">1269000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2535" decimals="-6" id="f-6467" unitRef="eur">1239000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2536" decimals="-6" id="f-6468" unitRef="eur">345000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2537" decimals="-6" id="f-6469" unitRef="eur">1219000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2538" decimals="-6" id="f-6470" unitRef="eur">1591000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2539" decimals="-6" id="f-6471" unitRef="eur">1394000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2540" decimals="-6" id="f-6472" unitRef="eur">21884000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2541" decimals="-6" id="f-6473" unitRef="eur">22348000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2542" decimals="-6" id="f-6474" unitRef="eur">18097000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-13" decimals="-6" id="f-6475" unitRef="eur">59014000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-20" decimals="-6" id="f-6476" unitRef="eur">49462000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-21" decimals="-6" id="f-6477" unitRef="eur">36639000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:DebtSecuritiesByRatingTableTextBlock contextRef="c-1" id="f-6478">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the distribution according to the credit quality (ratings) of the issuers of debt securities classified as financial assets at amortized cost, was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.867%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt securities by rating&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,907&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,829&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,068&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;AA+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,418&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;217&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;AA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;69&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;142&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;82&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;A+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;444&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;A-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34,652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;58.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;24,739&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17,050&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;BBB+&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,518&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,551&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4,091&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;BBB-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;548&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;BB+ or below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5,789&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Unclassified&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;711&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;772&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;667&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;59,014&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;49,462&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;36,639&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;100.0&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:DebtSecuritiesByRatingTableTextBlock>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2543" decimals="-6" id="f-6479" unitRef="eur">1907000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2543"
      decimals="3"
      id="f-6480"
      unitRef="number">0.032</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2544" decimals="-6" id="f-6481" unitRef="eur">1829000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2544"
      decimals="3"
      id="f-6482"
      unitRef="number">0.037</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2545" decimals="-6" id="f-6483" unitRef="eur">3068000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2545"
      decimals="3"
      id="f-6484"
      unitRef="number">0.084</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2546" decimals="-6" id="f-6485" unitRef="eur">3418000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2546"
      decimals="3"
      id="f-6486"
      unitRef="number">0.058</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2547" decimals="-6" id="f-6487" unitRef="eur">3096000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2547"
      decimals="3"
      id="f-6488"
      unitRef="number">0.063</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2548" decimals="-6" id="f-6489" unitRef="eur">217000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2548"
      decimals="3"
      id="f-6490"
      unitRef="number">0.006</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2549" decimals="-6" id="f-6491" unitRef="eur">69000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2549"
      decimals="3"
      id="f-6492"
      unitRef="number">0.001</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2550" decimals="-6" id="f-6493" unitRef="eur">142000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2550"
      decimals="3"
      id="f-6494"
      unitRef="number">0.003</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2551" decimals="-6" id="f-6495" unitRef="eur">82000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2551"
      decimals="3"
      id="f-6496"
      unitRef="number">0.002</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2552" decimals="-6" id="f-6497" unitRef="eur">1027000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2552"
      decimals="3"
      id="f-6498"
      unitRef="number">0.017</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2553" decimals="-6" id="f-6499" unitRef="eur">60000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2553"
      decimals="3"
      id="f-6500"
      unitRef="number">0.001</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2554" decimals="-6" id="f-6501" unitRef="eur">76000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2554"
      decimals="3"
      id="f-6502"
      unitRef="number">0.002</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2555" decimals="-6" id="f-6503" unitRef="eur">22000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2555"
      decimals="3"
      id="f-6504"
      unitRef="number">0</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2556" decimals="-6" id="f-6505" unitRef="eur">25000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2556"
      decimals="3"
      id="f-6506"
      unitRef="number">0.001</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2557" decimals="-6" id="f-6507" unitRef="eur">13000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
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      decimals="3"
      id="f-6508"
      unitRef="number">0</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2558" decimals="-6" id="f-6509" unitRef="eur">497000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2558"
      decimals="3"
      id="f-6510"
      unitRef="number">0.008</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2559" decimals="-6" id="f-6511" unitRef="eur">444000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
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      decimals="3"
      id="f-6512"
      unitRef="number">0.009</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2560" decimals="-6" id="f-6513" unitRef="eur">524000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2560"
      decimals="3"
      id="f-6514"
      unitRef="number">0.014</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2561" decimals="-6" id="f-6515" unitRef="eur">34652000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
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      decimals="3"
      id="f-6516"
      unitRef="number">0.587</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2562" decimals="-6" id="f-6517" unitRef="eur">24739000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
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      decimals="3"
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      unitRef="number">0.500</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2563" decimals="-6" id="f-6519" unitRef="eur">17050000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
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      decimals="3"
      id="f-6520"
      unitRef="number">0.465</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2564" decimals="-6" id="f-6521" unitRef="eur">4518000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
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      decimals="3"
      id="f-6522"
      unitRef="number">0.077</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2565" decimals="-6" id="f-6523" unitRef="eur">6615000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2565"
      decimals="3"
      id="f-6524"
      unitRef="number">0.134</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2566" decimals="-6" id="f-6525" unitRef="eur">4710000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2566"
      decimals="3"
      id="f-6526"
      unitRef="number">0.129</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2567" decimals="-6" id="f-6527" unitRef="eur">4105000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2567"
      decimals="3"
      id="f-6528"
      unitRef="number">0.070</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2568" decimals="-6" id="f-6529" unitRef="eur">4551000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2568"
      decimals="3"
      id="f-6530"
      unitRef="number">0.092</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2569" decimals="-6" id="f-6531" unitRef="eur">4091000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2569"
      decimals="3"
      id="f-6532"
      unitRef="number">0.112</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2570" decimals="-6" id="f-6533" unitRef="eur">890000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2570"
      decimals="3"
      id="f-6534"
      unitRef="number">0.015</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2571" decimals="-6" id="f-6535" unitRef="eur">548000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2571"
      decimals="3"
      id="f-6536"
      unitRef="number">0.011</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2572" decimals="-6" id="f-6537" unitRef="eur">351000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2572"
      decimals="3"
      id="f-6538"
      unitRef="number">0.010</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2573" decimals="-6" id="f-6539" unitRef="eur">7199000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2573"
      decimals="3"
      id="f-6540"
      unitRef="number">0.122</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2574" decimals="-6" id="f-6541" unitRef="eur">6642000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2574"
      decimals="3"
      id="f-6542"
      unitRef="number">0.134</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2575" decimals="-6" id="f-6543" unitRef="eur">5789000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2575"
      decimals="3"
      id="f-6544"
      unitRef="number">0.158</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2576" decimals="-6" id="f-6545" unitRef="eur">711000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2576"
      decimals="3"
      id="f-6546"
      unitRef="number">0.012</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2577" decimals="-6" id="f-6547" unitRef="eur">772000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2577"
      decimals="3"
      id="f-6548"
      unitRef="number">0.016</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2578" decimals="-6" id="f-6549" unitRef="eur">667000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating
      contextRef="c-2578"
      decimals="3"
      id="f-6550"
      unitRef="number">0.018</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-13" decimals="-6" id="f-6551" unitRef="eur">59014000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating contextRef="c-13" decimals="3" id="f-6552" unitRef="number">1.000</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-20" decimals="-6" id="f-6553" unitRef="eur">49462000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating contextRef="c-20" decimals="3" id="f-6554" unitRef="number">1.000</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-21" decimals="-6" id="f-6555" unitRef="eur">36639000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating contextRef="c-21" decimals="3" id="f-6556" unitRef="number">1.000</bbva:PercentageOfDebtSecuritiesAtAmortizedCostByRating>
    <bbva:LoansAndAdvancesToCustomersTableTextBlock contextRef="c-1" id="f-6557">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets, according to their nature, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.448%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances to customers (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;On demand and short notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,040&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,101&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit card debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,898&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trade receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,693&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,096&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,987&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,463&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,571&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reverse repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;331,451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;312,186&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;294,059&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Advances that are not loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,919&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,877&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,633&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;412,477&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;377,643&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;357,351&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:LoansAndAdvancesToCustomersTableTextBlock>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2579" decimals="-6" id="f-6558" unitRef="eur">5307000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2580" decimals="-6" id="f-6559" unitRef="eur">3040000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2581" decimals="-6" id="f-6560" unitRef="eur">4101000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2582" decimals="-6" id="f-6561" unitRef="eur">27720000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2583" decimals="-6" id="f-6562" unitRef="eur">22889000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2584" decimals="-6" id="f-6563" unitRef="eur">18898000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2585" decimals="-6" id="f-6564" unitRef="eur">31693000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2586" decimals="-6" id="f-6565" unitRef="eur">25096000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2587" decimals="-6" id="f-6566" unitRef="eur">25987000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2588" decimals="-6" id="f-6567" unitRef="eur">10125000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2589" decimals="-6" id="f-6568" unitRef="eur">9463000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2590" decimals="-6" id="f-6569" unitRef="eur">8571000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2591" decimals="-6" id="f-6570" unitRef="eur">262000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2592" decimals="-6" id="f-6571" unitRef="eur">92000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2593" decimals="-6" id="f-6572" unitRef="eur">102000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2594" decimals="-6" id="f-6573" unitRef="eur">331451000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2595" decimals="-6" id="f-6574" unitRef="eur">312186000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2596" decimals="-6" id="f-6575" unitRef="eur">294059000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2597" decimals="-6" id="f-6576" unitRef="eur">5919000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2598" decimals="-6" id="f-6577" unitRef="eur">4877000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-2599" decimals="-6" id="f-6578" unitRef="eur">5633000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-13" decimals="-6" id="f-6579" unitRef="eur">412477000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-20" decimals="-6" id="f-6580" unitRef="eur">377643000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost contextRef="c-21" decimals="-6" id="f-6581" unitRef="eur">357351000000</ifrs-full:LoansAndAdvancesToCustomersAtAmortisedCost>
    <bbva:LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock contextRef="c-1" id="f-6582">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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, 2024, 2023 and 2022: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.855%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.689%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loans and advances maturing in more than one year by fixed and variable rate (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 103pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #003366;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fixed rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;67,284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85,473&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;152,757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;63,060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;77,381&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;140,441&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59,394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;67,874&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #003366;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;127,269&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Variable rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;62,359&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;65,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;127,851&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66,188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;61,723&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;127,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;69,647&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;53,440&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;123,087&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129,642&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150,966&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;280,608&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129,248&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;139,104&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;268,352&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129,042&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;121,314&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;250,356&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock>
    <bbva:NationalSecurity contextRef="c-2600" decimals="-6" id="f-6583" unitRef="eur">67284000000</bbva:NationalSecurity>
    <bbva:ForeignSecurity contextRef="c-2600" decimals="-6" id="f-6584" unitRef="eur">85473000000</bbva:ForeignSecurity>
    <bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear contextRef="c-2600" decimals="-6" id="f-6585" unitRef="eur">152757000000</bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear>
    <bbva:NationalSecurity contextRef="c-2601" decimals="-6" id="f-6586" unitRef="eur">63060000000</bbva:NationalSecurity>
    <bbva:ForeignSecurity contextRef="c-2601" decimals="-6" id="f-6587" unitRef="eur">77381000000</bbva:ForeignSecurity>
    <bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear contextRef="c-2601" decimals="-6" id="f-6588" unitRef="eur">140441000000</bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear>
    <bbva:NationalSecurity contextRef="c-2602" decimals="-6" id="f-6589" unitRef="eur">59394000000</bbva:NationalSecurity>
    <bbva:ForeignSecurity contextRef="c-2602" decimals="-6" id="f-6590" unitRef="eur">67874000000</bbva:ForeignSecurity>
    <bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear contextRef="c-2602" decimals="-6" id="f-6591" unitRef="eur">127269000000</bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear>
    <bbva:NationalSecurity contextRef="c-2603" decimals="-6" id="f-6592" unitRef="eur">62359000000</bbva:NationalSecurity>
    <bbva:ForeignSecurity contextRef="c-2603" decimals="-6" id="f-6593" unitRef="eur">65493000000</bbva:ForeignSecurity>
    <bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear contextRef="c-2603" decimals="-6" id="f-6594" unitRef="eur">127851000000</bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear>
    <bbva:NationalSecurity contextRef="c-2604" decimals="-6" id="f-6595" unitRef="eur">66188000000</bbva:NationalSecurity>
    <bbva:ForeignSecurity contextRef="c-2604" decimals="-6" id="f-6596" unitRef="eur">61723000000</bbva:ForeignSecurity>
    <bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear contextRef="c-2604" decimals="-6" id="f-6597" unitRef="eur">127911000000</bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear>
    <bbva:NationalSecurity contextRef="c-2605" decimals="-6" id="f-6598" unitRef="eur">69647000000</bbva:NationalSecurity>
    <bbva:ForeignSecurity contextRef="c-2605" decimals="-6" id="f-6599" unitRef="eur">53440000000</bbva:ForeignSecurity>
    <bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear contextRef="c-2605" decimals="-6" id="f-6600" unitRef="eur">123087000000</bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear>
    <bbva:NationalSecurity contextRef="c-13" decimals="-6" id="f-6601" unitRef="eur">129642000000</bbva:NationalSecurity>
    <bbva:ForeignSecurity contextRef="c-13" decimals="-6" id="f-6602" unitRef="eur">150966000000</bbva:ForeignSecurity>
    <bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear contextRef="c-13" decimals="-6" id="f-6603" unitRef="eur">280608000000</bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear>
    <bbva:NationalSecurity contextRef="c-20" decimals="-6" id="f-6604" unitRef="eur">129248000000</bbva:NationalSecurity>
    <bbva:ForeignSecurity contextRef="c-20" decimals="-6" id="f-6605" unitRef="eur">139104000000</bbva:ForeignSecurity>
    <bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear contextRef="c-20" decimals="-6" id="f-6606" unitRef="eur">268352000000</bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear>
    <bbva:NationalSecurity contextRef="c-21" decimals="-6" id="f-6607" unitRef="eur">129042000000</bbva:NationalSecurity>
    <bbva:ForeignSecurity contextRef="c-21" decimals="-6" id="f-6608" unitRef="eur">121314000000</bbva:ForeignSecurity>
    <bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear contextRef="c-21" decimals="-6" id="f-6609" unitRef="eur">250356000000</bbva:TotalLoansAndAdvancesMaturingInMoreThanOneYear>
    <bbva:SecuritizedLoansTableTextBlock contextRef="c-1" id="f-6610">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.684%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.306%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Securitized loans (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securitized mortgage assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,406&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,290&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other securitized assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,495&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;28,239&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;28,899&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;28,784&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:SecuritizedLoansTableTextBlock>
    <bbva:SecuritizedMortgageAssets contextRef="c-1" decimals="-6" id="f-6611" unitRef="eur">19537000000</bbva:SecuritizedMortgageAssets>
    <bbva:SecuritizedMortgageAssets contextRef="c-22" decimals="-6" id="f-6612" unitRef="eur">20406000000</bbva:SecuritizedMortgageAssets>
    <bbva:SecuritizedMortgageAssets contextRef="c-23" decimals="-6" id="f-6613" unitRef="eur">23290000000</bbva:SecuritizedMortgageAssets>
    <bbva:OtherSecuritizedAssets contextRef="c-1" decimals="-6" id="f-6614" unitRef="eur">8702000000</bbva:OtherSecuritizedAssets>
    <bbva:OtherSecuritizedAssets contextRef="c-22" decimals="-6" id="f-6615" unitRef="eur">8493000000</bbva:OtherSecuritizedAssets>
    <bbva:OtherSecuritizedAssets contextRef="c-23" decimals="-6" id="f-6616" unitRef="eur">5495000000</bbva:OtherSecuritizedAssets>
    <bbva:TotalSecuritizedLoans contextRef="c-1" decimals="-6" id="f-6617" unitRef="eur">28239000000</bbva:TotalSecuritizedLoans>
    <bbva:TotalSecuritizedLoans contextRef="c-22" decimals="-6" id="f-6618" unitRef="eur">28899000000</bbva:TotalSecuritizedLoans>
    <bbva:TotalSecuritizedLoans contextRef="c-23" decimals="-6" id="f-6619" unitRef="eur">28784000000</bbva:TotalSecuritizedLoans>
    <bbva:DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock contextRef="c-1" id="f-6620">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Derivatives &#x2013; Hedge accounting and fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance of these headings in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.103%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives - Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,891&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(65)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives - Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the main positions hedged by the Group and the derivatives designated to hedge those positions were:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Fair value hedging:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Fixed-interest debt securities at fair value through other comprehensive income and at amortized cost: The interest rate risk of these debt securities is hedged using interest rate derivatives (fixed-variable swaps) and forward sales.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;Long-term fixed-interest debt securities issued by the Bank: The interest rate risk of these debt securities is hedged using interest rate derivatives (fixed-variable swaps).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.78pt"&gt;Fixed-interest loans: The equity price risk of these instruments is hedged using interest rate derivatives (fixed-variable swaps).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:56.69pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;d.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.34pt"&gt;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&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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"). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Net foreign-currency investment hedges: These hedged risks are foreign-currency investments in the Group&#x2019;s foreign subsidiaries. This risk is hedged mainly with foreign-exchange options and forward currency sales and purchases (see Note 30).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Note 7 analyzes the Group&#x2019;s main risks that are hedged using these financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.260%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives - Hedge accounting. Breakdown by type of risk and type of hedge (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;257&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;422&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;364&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;656&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;376&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;257&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;364&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;656&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;376&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;FAIR VALUE HEDGES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;330&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;437&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;644&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;395&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;915&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;459&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;618&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,513&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;490&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,048&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;470&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,763&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;483&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,048&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;454&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,763&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;142&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;431&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;142&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;CASH FLOW HEDGES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;760&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,944&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;781&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,089&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;708&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,809&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;122&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;136&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;213&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;DERIVATIVES-HEDGE ACCOUNTING&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,503&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,625&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,891&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;of which: &lt;br/&gt;OTC - credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;932&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,404&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,577&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,911&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;of which: &lt;br/&gt;OTC - other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;223&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;499&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;237&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;297&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;391&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:8pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Below there is a breakdown of the items covered by fair value hedges:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:8pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.172%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.841%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="33" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Hedged items in fair value hedges (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Hedge adjustments included in the carrying amount of assets/liabilities &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Remaining adjustments for discontinued micro hedges including hedges of net positions &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Hedged items in portfolio hedge of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Recognized ineffectiveness in profit or loss&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,449&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(652)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,449&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(652)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(652)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets measured at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(114)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,304&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,304&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial liabilities measured at amortized costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;45,613&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;509&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;600&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;42,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;37,915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;600&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,263&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,258&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) The balance of discontinued hedges is not significant. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following is the breakdown, by their notional maturities, of the hedging instruments as of December 31, 2024:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.511%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Calendar of the notional maturities of the hedging instruments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Up to 3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;From 3 months to 1 year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;From 1 to 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;More than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;FAIR VALUE HEDGES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;23,509&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;20,530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,650&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;22,903&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;58,735&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;CASH FLOW HEDGES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,280&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,775&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,346&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,286&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;39,687&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,280&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;16,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,689&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,801&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;35,348&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,234&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;893&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,364&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;406&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,841&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;DERIVATIVES-HEDGE ACCOUNTING&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;28,614&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;38,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26,419&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;115,830&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2024, 2023 and 2022, there was no reclassification in the consolidated income statements of any amount that was previously recognized in equity (see Note 41). The amount of the derivatives designated as accounting hedges that did not pass the effectiveness test in the years ended December 31, 2024, 2023 and 2022 was not material.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfHedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTextBlock>
    <bbva:DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock contextRef="c-1" id="f-6621">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance of these headings in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.103%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives &#x2013; Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives - Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,891&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(65)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Derivatives - Hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-13" decimals="-6" id="f-6622" unitRef="eur">1158000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-20" decimals="-6" id="f-6623" unitRef="eur">1482000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-21" decimals="-6" id="f-6624" unitRef="eur">1891000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets contextRef="c-13" decimals="-6" id="f-6625" unitRef="eur">-65000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets contextRef="c-20" decimals="-6" id="f-6626" unitRef="eur">-97000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets contextRef="c-21" decimals="-6" id="f-6627" unitRef="eur">-148000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-13" decimals="-6" id="f-6628" unitRef="eur">2503000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-20" decimals="-6" id="f-6629" unitRef="eur">2625000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-21" decimals="-6" id="f-6630" unitRef="eur">3303000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities contextRef="c-13" decimals="-6" id="f-6631" unitRef="eur">0</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities contextRef="c-20" decimals="-6" id="f-6632" unitRef="eur">0</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities contextRef="c-21" decimals="-6" id="f-6633" unitRef="eur">0</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
    <bbva:DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock contextRef="c-1" id="f-6634">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.260%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives - Hedge accounting. Breakdown by type of risk and type of hedge (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;257&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;422&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;364&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;656&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;376&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;257&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;364&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;656&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;376&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;FAIR VALUE HEDGES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;330&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;437&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;644&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;395&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;915&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;459&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;618&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,513&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;490&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,048&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;470&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,763&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;483&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,048&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;454&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,763&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;142&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;431&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;OTC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;142&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Organized market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;CASH FLOW HEDGES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;760&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,944&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;781&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,089&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;708&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,809&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;122&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;136&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;213&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;DERIVATIVES-HEDGE ACCOUNTING&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8.1&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,503&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,625&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,891&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;of which: &lt;br/&gt;OTC - credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;932&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,404&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,577&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,911&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;of which: &lt;br/&gt;OTC - other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;223&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;499&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;237&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;297&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;391&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2606" decimals="-6" id="f-6635" unitRef="eur">257000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2606" decimals="-6" id="f-6636" unitRef="eur">344000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2607" decimals="-6" id="f-6637" unitRef="eur">422000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2607" decimals="-6" id="f-6638" unitRef="eur">364000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2608" decimals="-6" id="f-6639" unitRef="eur">656000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2608" decimals="-6" id="f-6640" unitRef="eur">376000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2609" decimals="-6" id="f-6641" unitRef="eur">257000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2609" decimals="-6" id="f-6642" unitRef="eur">344000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2610" decimals="-6" id="f-6643" unitRef="eur">422000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2610" decimals="-6" id="f-6644" unitRef="eur">364000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2611" decimals="-6" id="f-6645" unitRef="eur">656000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2611" decimals="-6" id="f-6646" unitRef="eur">376000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2612" decimals="-6" id="f-6647" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2612" decimals="-6" id="f-6648" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2613" decimals="-6" id="f-6649" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2613" decimals="-6" id="f-6650" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2614" decimals="-6" id="f-6651" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2614" decimals="-6" id="f-6652" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2615" decimals="-6" id="f-6653" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2615" decimals="-6" id="f-6654" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2616" decimals="-6" id="f-6655" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2616" decimals="-6" id="f-6656" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2617" decimals="-6" id="f-6657" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2617" decimals="-6" id="f-6658" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2618" decimals="-6" id="f-6659" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2618" decimals="-6" id="f-6660" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2619" decimals="-6" id="f-6661" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2619" decimals="-6" id="f-6662" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2620" decimals="-6" id="f-6663" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2620" decimals="-6" id="f-6664" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2621" decimals="-6" id="f-6665" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2621" decimals="-6" id="f-6666" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2622" decimals="-6" id="f-6667" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2622" decimals="-6" id="f-6668" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2623" decimals="-6" id="f-6669" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2623" decimals="-6" id="f-6670" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2624" decimals="-6" id="f-6671" unitRef="eur">73000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2624" decimals="-6" id="f-6672" unitRef="eur">93000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2625" decimals="-6" id="f-6673" unitRef="eur">221000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2625" decimals="-6" id="f-6674" unitRef="eur">31000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2626" decimals="-6" id="f-6675" unitRef="eur">259000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2626" decimals="-6" id="f-6676" unitRef="eur">83000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2627" decimals="-6" id="f-6677" unitRef="eur">73000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2627" decimals="-6" id="f-6678" unitRef="eur">93000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2628" decimals="-6" id="f-6679" unitRef="eur">221000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2628" decimals="-6" id="f-6680" unitRef="eur">31000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2629" decimals="-6" id="f-6681" unitRef="eur">259000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2629" decimals="-6" id="f-6682" unitRef="eur">83000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2630" decimals="-6" id="f-6683" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2630" decimals="-6" id="f-6684" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2631" decimals="-6" id="f-6685" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2631" decimals="-6" id="f-6686" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2632" decimals="-6" id="f-6687" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2632" decimals="-6" id="f-6688" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2633" decimals="-6" id="f-6689" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2633" decimals="-6" id="f-6690" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2634" decimals="-6" id="f-6691" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2634" decimals="-6" id="f-6692" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2635" decimals="-6" id="f-6693" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2635" decimals="-6" id="f-6694" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2636" decimals="-6" id="f-6695" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2636" decimals="-6" id="f-6696" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2637" decimals="-6" id="f-6697" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2637" decimals="-6" id="f-6698" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2638" decimals="-6" id="f-6699" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2638" decimals="-6" id="f-6700" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2639" decimals="-6" id="f-6701" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2639" decimals="-6" id="f-6702" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2640" decimals="-6" id="f-6703" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2640" decimals="-6" id="f-6704" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2641" decimals="-6" id="f-6705" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2641" decimals="-6" id="f-6706" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2642" decimals="-6" id="f-6707" unitRef="eur">330000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2642" decimals="-6" id="f-6708" unitRef="eur">437000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2643" decimals="-6" id="f-6709" unitRef="eur">644000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2643" decimals="-6" id="f-6710" unitRef="eur">395000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2644" decimals="-6" id="f-6711" unitRef="eur">915000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2644" decimals="-6" id="f-6712" unitRef="eur">459000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2645" decimals="-6" id="f-6713" unitRef="eur">618000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2645" decimals="-6" id="f-6714" unitRef="eur">1513000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2646" decimals="-6" id="f-6715" unitRef="eur">490000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2646" decimals="-6" id="f-6716" unitRef="eur">2048000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2647" decimals="-6" id="f-6717" unitRef="eur">470000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2647" decimals="-6" id="f-6718" unitRef="eur">2763000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2648" decimals="-6" id="f-6719" unitRef="eur">615000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2648" decimals="-6" id="f-6720" unitRef="eur">1513000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2649" decimals="-6" id="f-6721" unitRef="eur">483000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2649" decimals="-6" id="f-6722" unitRef="eur">2048000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2650" decimals="-6" id="f-6723" unitRef="eur">454000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2650" decimals="-6" id="f-6724" unitRef="eur">2763000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2651" decimals="-6" id="f-6725" unitRef="eur">3000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2651" decimals="-6" id="f-6726" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2652" decimals="-6" id="f-6727" unitRef="eur">7000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2652" decimals="-6" id="f-6728" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2653" decimals="-6" id="f-6729" unitRef="eur">16000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging
      contextRef="c-2653"
      id="f-6730"
      unitRef="eur"
      xsi:nil="true"/>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2654" decimals="-6" id="f-6731" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2654" decimals="-6" id="f-6732" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2655" decimals="-6" id="f-6733" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2655" decimals="-6" id="f-6734" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2656" decimals="-6" id="f-6735" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2656" decimals="-6" id="f-6736" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2657" decimals="-6" id="f-6737" unitRef="eur">142000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2657" decimals="-6" id="f-6738" unitRef="eur">431000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2658" decimals="-6" id="f-6739" unitRef="eur">291000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2658" decimals="-6" id="f-6740" unitRef="eur">41000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2659" decimals="-6" id="f-6741" unitRef="eur">239000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2659" decimals="-6" id="f-6742" unitRef="eur">46000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2660" decimals="-6" id="f-6743" unitRef="eur">142000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2660" decimals="-6" id="f-6744" unitRef="eur">431000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2661" decimals="-6" id="f-6745" unitRef="eur">291000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2661" decimals="-6" id="f-6746" unitRef="eur">41000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2662" decimals="-6" id="f-6747" unitRef="eur">239000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2662" decimals="-6" id="f-6748" unitRef="eur">45000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2663" decimals="-6" id="f-6749" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2663" decimals="-6" id="f-6750" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2664" decimals="-6" id="f-6751" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2664" decimals="-6" id="f-6752" unitRef="eur">1000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2665" decimals="-6" id="f-6753" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2665" decimals="-6" id="f-6754" unitRef="eur">1000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2666" decimals="-6" id="f-6755" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2666" decimals="-6" id="f-6756" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2667" decimals="-6" id="f-6757" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2667" decimals="-6" id="f-6758" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2668" decimals="-6" id="f-6759" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2668" decimals="-6" id="f-6760" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2669" decimals="-6" id="f-6761" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2669" decimals="-6" id="f-6762" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2670" decimals="-6" id="f-6763" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2670" decimals="-6" id="f-6764" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2671" decimals="-6" id="f-6765" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2671" decimals="-6" id="f-6766" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2672" decimals="-6" id="f-6767" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2672" decimals="-6" id="f-6768" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2673" decimals="-6" id="f-6769" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2673" decimals="-6" id="f-6770" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2674" decimals="-6" id="f-6771" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2674" decimals="-6" id="f-6772" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2675" decimals="-6" id="f-6773" unitRef="eur">760000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2675" decimals="-6" id="f-6774" unitRef="eur">1944000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2676" decimals="-6" id="f-6775" unitRef="eur">781000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2676" decimals="-6" id="f-6776" unitRef="eur">2089000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2677" decimals="-6" id="f-6777" unitRef="eur">708000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2677" decimals="-6" id="f-6778" unitRef="eur">2809000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2678" decimals="-6" id="f-6779" unitRef="eur">66000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2678" decimals="-6" id="f-6780" unitRef="eur">122000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2679" decimals="-6" id="f-6781" unitRef="eur">27000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2679" decimals="-6" id="f-6782" unitRef="eur">136000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2680" decimals="-6" id="f-6783" unitRef="eur">213000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2680" decimals="-6" id="f-6784" unitRef="eur">26000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2681" decimals="-6" id="f-6785" unitRef="eur">2000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2681" decimals="-6" id="f-6786" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2682" decimals="-6" id="f-6787" unitRef="eur">3000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2682" decimals="-6" id="f-6788" unitRef="eur">5000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2683" decimals="-6" id="f-6789" unitRef="eur">7000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2683" decimals="-6" id="f-6790" unitRef="eur">8000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2684" decimals="-6" id="f-6791" unitRef="eur">0</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2684" decimals="-6" id="f-6792" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2685" decimals="-6" id="f-6793" unitRef="eur">27000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2685" decimals="-6" id="f-6794" unitRef="eur">0</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2686" decimals="-6" id="f-6795" unitRef="eur">48000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2686" decimals="-6" id="f-6796" unitRef="eur">1000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-13" decimals="-6" id="f-6797" unitRef="eur">1158000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-13" decimals="-6" id="f-6798" unitRef="eur">2503000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-20" decimals="-6" id="f-6799" unitRef="eur">1482000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-20" decimals="-6" id="f-6800" unitRef="eur">2625000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-21" decimals="-6" id="f-6801" unitRef="eur">1891000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-21" decimals="-6" id="f-6802" unitRef="eur">3303000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2687" decimals="-6" id="f-6803" unitRef="eur">932000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2687" decimals="-6" id="f-6804" unitRef="eur">2005000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2688" decimals="-6" id="f-6805" unitRef="eur">1237000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2688" decimals="-6" id="f-6806" unitRef="eur">2404000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2689" decimals="-6" id="f-6807" unitRef="eur">1577000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2689" decimals="-6" id="f-6808" unitRef="eur">2911000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2690" decimals="-6" id="f-6809" unitRef="eur">223000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2690" decimals="-6" id="f-6810" unitRef="eur">499000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2691" decimals="-6" id="f-6811" unitRef="eur">237000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2691" decimals="-6" id="f-6812" unitRef="eur">221000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialAssetsHeldForHedging contextRef="c-2692" decimals="-6" id="f-6813" unitRef="eur">297000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-2692" decimals="-6" id="f-6814" unitRef="eur">391000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <bbva:HedgedItemsInFairValueHedgesTableTextBlock contextRef="c-1" id="f-6815">&lt;div style="margin-bottom:8pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Below there is a breakdown of the items covered by fair value hedges:&lt;/span&gt;&lt;/div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.172%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.841%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="33" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Hedged items in fair value hedges (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Hedge adjustments included in the carrying amount of assets/liabilities &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Remaining adjustments for discontinued micro hedges including hedges of net positions &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Hedged items in portfolio hedge of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Recognized ineffectiveness in profit or loss&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,449&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(652)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,449&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(652)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(652)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial assets measured at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(114)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,304&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,304&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;936&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial liabilities measured at amortized costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;45,613&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;509&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;600&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;42,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;37,915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;600&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,263&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,258&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange and gold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;(1) The balance of discontinued hedges is not significant.</bbva:HedgedItemsInFairValueHedgesTableTextBlock>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2693" decimals="-6" id="f-6816" unitRef="eur">10449000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2694" decimals="-6" id="f-6817" unitRef="eur">11308000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2695" decimals="-6" id="f-6818" unitRef="eur">409000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2696" decimals="-6" id="f-6819" unitRef="eur">652000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2697" decimals="-6" id="f-6820" unitRef="eur">155000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2698" decimals="-6" id="f-6821" unitRef="eur">172000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2699" decimals="-6" id="f-6822" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2700" decimals="-6" id="f-6823" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2701" decimals="-6" id="f-6824" unitRef="eur">16000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2702" decimals="-6" id="f-6825" unitRef="eur">5000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2693" decimals="-6" id="f-6826" unitRef="eur">10449000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2694" decimals="-6" id="f-6827" unitRef="eur">11308000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2695" decimals="-6" id="f-6828" unitRef="eur">409000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2696" decimals="-6" id="f-6829" unitRef="eur">652000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2697" decimals="-6" id="f-6830" unitRef="eur">155000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2698" decimals="-6" id="f-6831" unitRef="eur">172000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2703" decimals="-6" id="f-6832" unitRef="eur">10446000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2704" decimals="-6" id="f-6833" unitRef="eur">11308000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2705" decimals="-6" id="f-6834" unitRef="eur">409000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2706" decimals="-6" id="f-6835" unitRef="eur">652000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2707" decimals="-6" id="f-6836" unitRef="eur">155000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2708" decimals="-6" id="f-6837" unitRef="eur">172000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2709" decimals="-6" id="f-6838" unitRef="eur">2000000</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2710" decimals="-6" id="f-6839" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2711" decimals="-6" id="f-6840" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2712" decimals="-6" id="f-6841" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2713" decimals="-6" id="f-6842" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2714" decimals="-6" id="f-6843" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2715" decimals="-6" id="f-6844" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2716" decimals="-6" id="f-6845" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2693" decimals="-6" id="f-6846" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2694" decimals="-6" id="f-6847" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2695" decimals="-6" id="f-6848" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2696" decimals="-6" id="f-6849" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2693" decimals="-6" id="f-6850" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2694" decimals="-6" id="f-6851" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2695" decimals="-6" id="f-6852" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2696" decimals="-6" id="f-6853" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2709" decimals="-6" id="f-6854" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2710" decimals="-6" id="f-6855" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2711" decimals="-6" id="f-6856" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2712" decimals="-6" id="f-6857" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2713" decimals="-6" id="f-6858" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2714" decimals="-6" id="f-6859" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2715" decimals="-6" id="f-6860" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome contextRef="c-2716" decimals="-6" id="f-6861" unitRef="eur">0</bbva:LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2693" decimals="-6" id="f-6862" unitRef="eur">3003000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2694" decimals="-6" id="f-6863" unitRef="eur">3248000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2695" decimals="-6" id="f-6864" unitRef="eur">16000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2696" decimals="-6" id="f-6865" unitRef="eur">114000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2697" decimals="-6" id="f-6866" unitRef="eur">519000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2698" decimals="-6" id="f-6867" unitRef="eur">685000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2699" decimals="-6" id="f-6868" unitRef="eur">753000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2700" decimals="-6" id="f-6869" unitRef="eur">936000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2701" decimals="-6" id="f-6870" unitRef="eur">2000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-2702" decimals="-6" id="f-6871" unitRef="eur">14000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2693" decimals="-6" id="f-6872" unitRef="eur">2232000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2694" decimals="-6" id="f-6873" unitRef="eur">2304000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2695" decimals="-6" id="f-6874" unitRef="eur">48000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2696" decimals="-6" id="f-6875" unitRef="eur">119000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2697" decimals="-6" id="f-6876" unitRef="eur">519000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2698" decimals="-6" id="f-6877" unitRef="eur">685000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2699" decimals="-6" id="f-6878" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2700" decimals="-6" id="f-6879" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2703" decimals="-6" id="f-6880" unitRef="eur">2232000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2704" decimals="-6" id="f-6881" unitRef="eur">2304000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2705" decimals="-6" id="f-6882" unitRef="eur">48000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2706" decimals="-6" id="f-6883" unitRef="eur">119000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2707" decimals="-6" id="f-6884" unitRef="eur">519000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2708" decimals="-6" id="f-6885" unitRef="eur">685000000</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2717" decimals="-6" id="f-6886" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2718" decimals="-6" id="f-6887" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2709" decimals="-6" id="f-6888" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2710" decimals="-6" id="f-6889" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2711" decimals="-6" id="f-6890" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:DebtInstrumentsHeldAtAmortisedCost contextRef="c-2712" decimals="-6" id="f-6891" unitRef="eur">0</ifrs-full:DebtInstrumentsHeldAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2693" decimals="-6" id="f-6892" unitRef="eur">771000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2694" decimals="-6" id="f-6893" unitRef="eur">944000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2695" decimals="-6" id="f-6894" unitRef="eur">32000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2696" decimals="-6" id="f-6895" unitRef="eur">-5000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2699" decimals="-6" id="f-6896" unitRef="eur">753000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2700" decimals="-6" id="f-6897" unitRef="eur">936000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2703" decimals="-6" id="f-6898" unitRef="eur">757000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2704" decimals="-6" id="f-6899" unitRef="eur">944000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2705" decimals="-6" id="f-6900" unitRef="eur">32000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2706" decimals="-6" id="f-6901" unitRef="eur">-5000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2717" decimals="-6" id="f-6902" unitRef="eur">753000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2718" decimals="-6" id="f-6903" unitRef="eur">936000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2709" decimals="-6" id="f-6904" unitRef="eur">14000000</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2710" decimals="-6" id="f-6905" unitRef="eur">0</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2711" decimals="-6" id="f-6906" unitRef="eur">0</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:LoansAndAdvancesAtAmortisedCost contextRef="c-2712" decimals="-6" id="f-6907" unitRef="eur">0</ifrs-full:LoansAndAdvancesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2693" decimals="-6" id="f-6908" unitRef="eur">45613000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2694" decimals="-6" id="f-6909" unitRef="eur">47180000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2695" decimals="-6" id="f-6910" unitRef="eur">96000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2696" decimals="-6" id="f-6911" unitRef="eur">509000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2697" decimals="-6" id="f-6912" unitRef="eur">1000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2698" decimals="-6" id="f-6913" unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2699" decimals="-6" id="f-6914" unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2700" decimals="-6" id="f-6915" unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2701" decimals="-6" id="f-6916" unitRef="eur">5000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-2702" decimals="-6" id="f-6917" unitRef="eur">20000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2693" decimals="-6" id="f-6918" unitRef="eur">42521000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2694" decimals="-6" id="f-6919" unitRef="eur">37916000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2695" decimals="-6" id="f-6920" unitRef="eur">172000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2696" decimals="-6" id="f-6921" unitRef="eur">600000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2697" decimals="-6" id="f-6922" unitRef="eur">1000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2703" decimals="-6" id="f-6923" unitRef="eur">42521000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2704" decimals="-6" id="f-6924" unitRef="eur">37915000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2705" decimals="-6" id="f-6925" unitRef="eur">172000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2706" decimals="-6" id="f-6926" unitRef="eur">600000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2707" decimals="-6" id="f-6927" unitRef="eur">1000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2709" decimals="-6" id="f-6928" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2710" decimals="-6" id="f-6929" unitRef="eur">1000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2711" decimals="-6" id="f-6930" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-2712" decimals="-6" id="f-6931" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2693" decimals="-6" id="f-6932" unitRef="eur">3092000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2694" decimals="-6" id="f-6933" unitRef="eur">9263000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2695" decimals="-6" id="f-6934" unitRef="eur">75000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2696" decimals="-6" id="f-6935" unitRef="eur">-91000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2703" decimals="-6" id="f-6936" unitRef="eur">3092000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2704" decimals="-6" id="f-6937" unitRef="eur">9258000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2705" decimals="-6" id="f-6938" unitRef="eur">75000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2706" decimals="-6" id="f-6939" unitRef="eur">91000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2709" decimals="-6" id="f-6940" unitRef="eur">0</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2710" decimals="-6" id="f-6941" unitRef="eur">5000000</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2711" decimals="-6" id="f-6942" unitRef="eur">0</ifrs-full:DepositsAtAmortisedCost>
    <ifrs-full:DepositsAtAmortisedCost contextRef="c-2712" decimals="-6" id="f-6943" unitRef="eur">0</ifrs-full:DepositsAtAmortisedCost>
    <bbva:CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock contextRef="c-1" id="f-6944">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following is the breakdown, by their notional maturities, of the hedging instruments as of December 31, 2024:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.511%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Calendar of the notional maturities of the hedging instruments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Up to 3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;From 3 months to 1 year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;From 1 to 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;More than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;FAIR VALUE HEDGES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;23,509&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;20,530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,650&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;22,903&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;58,735&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;CASH FLOW HEDGES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,280&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,775&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,346&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,286&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;39,687&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#b6b6b6;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,280&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;16,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,689&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,801&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;35,348&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,234&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;893&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,364&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;406&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,841&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;DERIVATIVES-HEDGE ACCOUNTING&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;28,614&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;38,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #072146;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26,419&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;115,830&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2719" decimals="-6" id="f-6945" unitRef="eur">5183000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2720" decimals="-6" id="f-6946" unitRef="eur">10799000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2721" decimals="-6" id="f-6947" unitRef="eur">23509000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2722" decimals="-6" id="f-6948" unitRef="eur">20530000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2723" decimals="-6" id="f-6949" unitRef="eur">60021000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2724" decimals="-6" id="f-6950" unitRef="eur">5160000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2725" decimals="-6" id="f-6951" unitRef="eur">10650000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2726" decimals="-6" id="f-6952" unitRef="eur">22903000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2727" decimals="-6" id="f-6953" unitRef="eur">20023000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2728" decimals="-6" id="f-6954" unitRef="eur">58735000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2729" decimals="-6" id="f-6955" unitRef="eur">4280000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2730" decimals="-6" id="f-6956" unitRef="eur">16775000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2731" decimals="-6" id="f-6957" unitRef="eur">13346000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2732" decimals="-6" id="f-6958" unitRef="eur">5286000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2733" decimals="-6" id="f-6959" unitRef="eur">39687000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2734" decimals="-6" id="f-6960" unitRef="eur">4280000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2735" decimals="-6" id="f-6961" unitRef="eur">16577000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2736" decimals="-6" id="f-6962" unitRef="eur">11689000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2737" decimals="-6" id="f-6963" unitRef="eur">2801000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2738" decimals="-6" id="f-6964" unitRef="eur">35348000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2739" decimals="-6" id="f-6965" unitRef="eur">12222000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2740" decimals="-6" id="f-6966" unitRef="eur">861000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2741" decimals="-6" id="f-6967" unitRef="eur">0</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2742" decimals="-6" id="f-6968" unitRef="eur">150000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2743" decimals="-6" id="f-6969" unitRef="eur">13234000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2744" decimals="-6" id="f-6970" unitRef="eur">893000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2745" decimals="-6" id="f-6971" unitRef="eur">179000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2746" decimals="-6" id="f-6972" unitRef="eur">1364000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2747" decimals="-6" id="f-6973" unitRef="eur">406000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2748" decimals="-6" id="f-6974" unitRef="eur">2841000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2749" decimals="-6" id="f-6975" unitRef="eur">0</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2750" decimals="-6" id="f-6976" unitRef="eur">0</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2751" decimals="-6" id="f-6977" unitRef="eur">0</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2752" decimals="-6" id="f-6978" unitRef="eur">47000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2753" decimals="-6" id="f-6979" unitRef="eur">47000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2754" decimals="-6" id="f-6980" unitRef="eur">22579000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2755" decimals="-6" id="f-6981" unitRef="eur">28614000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2756" decimals="-6" id="f-6982" unitRef="eur">38218000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2757" decimals="-6" id="f-6983" unitRef="eur">26419000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:NotionalMaturitiesOfTheHedgingInstruments contextRef="c-2758" decimals="-6" id="f-6984" unitRef="eur">115830000000</bbva:NotionalMaturitiesOfTheHedgingInstruments>
    <bbva:DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock contextRef="c-1" id="f-6985">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Investments in joint ventures and associates &lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Joint ventures and associates&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance of &#x201c;Joint ventures and associates&#x201d; in the consolidated balance sheets is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Joint ventures and associates. Breakdown by entities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Altura Markets, S.V., S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;RCI Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Allianz Seguros y Reaseguros, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Atom Holdco Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Redsys Servicios de Procesamiento, S.L.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Servicios Electr&#xf3;nicos Globales S.A. de C.V.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;895&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;883&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;816&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;989&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;976&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Details of the joint ventures and associates as of December 31, 2024 are shown in Appendix II. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following is a summary of the changes in the years ended December 31, 2024, 2023 and 2022 under this heading in the consolidated balance sheets:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.678%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Joint ventures and associates. Changes in the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;976&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;900&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Acquisitions and capital increases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Disposals and capital reductions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(88)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers and changes of consolidation method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(69)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Share of profit and loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment / reversal of impairment &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dividends, valuation adjustments and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;989&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;976&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) See Note 16.3.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During the year 2024, the most significant changes under the heading "Joint ventures and associates" correspond to Solaris and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;Compa&#xf1;&#xed;a Espa&#xf1;ola de Financiaci&#xf3;n del Desarrollo S.A&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;. (Cofides) that left the scope of the consolidation perimeter in the first half of the year when the Group ceased to have significant influence in either entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During the years 2023 and 2022, the most significant changes under the heading "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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Other information about associates and joint ventures&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022 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). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022 there was no contingent liability in connection with the investments in joint ventures and associates (see Note 53.2). &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Impairment&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, a net reversal of impairment was recorded for &#x20ac;63 million; for the year ended December 31, 2023, a net impairment was recorded for &#x20ac;9 million; while for the year ended December 31, 2022, a net reversal of impairment was recorded for &#x20ac;42 million (see Note 48).&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock>
    <bbva:InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock contextRef="c-1" id="f-6986">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance of &#x201c;Joint ventures and associates&#x201d; in the consolidated balance sheets is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Joint ventures and associates. Breakdown by entities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Altura Markets, S.V., S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;RCI Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Allianz Seguros y Reaseguros, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Atom Holdco Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Redsys Servicios de Procesamiento, S.L.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Servicios Electr&#xf3;nicos Globales S.A. de C.V.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;895&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;883&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;816&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;989&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;976&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-2759" decimals="-6" id="f-6987" unitRef="eur">38000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-2760" decimals="-6" id="f-6988" unitRef="eur">31000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-2761" decimals="-6" id="f-6989" unitRef="eur">42000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-2762" decimals="-6" id="f-6990" unitRef="eur">37000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-2763" decimals="-6" id="f-6991" unitRef="eur">40000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-2764" decimals="-6" id="f-6992" unitRef="eur">36000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-2765" decimals="-6" id="f-6993" unitRef="eur">19000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-2766" decimals="-6" id="f-6994" unitRef="eur">22000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-2767" decimals="-6" id="f-6995" unitRef="eur">22000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-13" decimals="-6" id="f-6996" unitRef="eur">94000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-20" decimals="-6" id="f-6997" unitRef="eur">93000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInJointVentures contextRef="c-21" decimals="-6" id="f-6998" unitRef="eur">100000000</ifrs-full:InvestmentsInJointVentures>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2768" decimals="-6" id="f-6999" unitRef="eur">300000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2769" decimals="-6" id="f-7000" unitRef="eur">259000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2770" decimals="-6" id="f-7001" unitRef="eur">259000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2771" decimals="-6" id="f-7002" unitRef="eur">265000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2772" decimals="-6" id="f-7003" unitRef="eur">251000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2773" decimals="-6" id="f-7004" unitRef="eur">248000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2774" decimals="-6" id="f-7005" unitRef="eur">222000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2775" decimals="-6" id="f-7006" unitRef="eur">211000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2776" decimals="-6" id="f-7007" unitRef="eur">132000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2777" decimals="-6" id="f-7008" unitRef="eur">20000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2778" decimals="-6" id="f-7009" unitRef="eur">22000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2779" decimals="-6" id="f-7010" unitRef="eur">20000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2780" decimals="-6" id="f-7011" unitRef="eur">43000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2781" decimals="-6" id="f-7012" unitRef="eur">36000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2782" decimals="-6" id="f-7013" unitRef="eur">23000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2783" decimals="-6" id="f-7014" unitRef="eur">45000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2784" decimals="-6" id="f-7015" unitRef="eur">105000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-2785" decimals="-6" id="f-7016" unitRef="eur">134000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-13" decimals="-6" id="f-7017" unitRef="eur">895000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-20" decimals="-6" id="f-7018" unitRef="eur">883000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInAssociates contextRef="c-21" decimals="-6" id="f-7019" unitRef="eur">816000000</ifrs-full:InvestmentsInAssociates>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates contextRef="c-13" decimals="-6" id="f-7020" unitRef="eur">989000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates contextRef="c-20" decimals="-6" id="f-7021" unitRef="eur">976000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates contextRef="c-21" decimals="-6" id="f-7022" unitRef="eur">916000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <bbva:JointVenturesAndAssociatesChangesInTheYearTableTextBlock contextRef="c-1" id="f-7023">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following is a summary of the changes in the years ended December 31, 2024, 2023 and 2022 under this heading in the consolidated balance sheets:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.678%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.217%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Joint ventures and associates. Changes in the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;976&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;900&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Acquisitions and capital increases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Disposals and capital reductions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(88)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers and changes of consolidation method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(69)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Share of profit and loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment / reversal of impairment &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Dividends, valuation adjustments and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;989&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;976&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) See Note 16.3.&lt;/span&gt;&lt;/div&gt;</bbva:JointVenturesAndAssociatesChangesInTheYearTableTextBlock>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates contextRef="c-20" decimals="-6" id="f-7024" unitRef="eur">976000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates contextRef="c-21" decimals="-6" id="f-7025" unitRef="eur">916000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates contextRef="c-173" decimals="-6" id="f-7026" unitRef="eur">900000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <bbva:AcquisitionsAndCapitalIncreases contextRef="c-1" decimals="-6" id="f-7027" unitRef="eur">4000000</bbva:AcquisitionsAndCapitalIncreases>
    <bbva:AcquisitionsAndCapitalIncreases contextRef="c-22" decimals="-6" id="f-7028" unitRef="eur">95000000</bbva:AcquisitionsAndCapitalIncreases>
    <bbva:AcquisitionsAndCapitalIncreases contextRef="c-23" decimals="-6" id="f-7029" unitRef="eur">87000000</bbva:AcquisitionsAndCapitalIncreases>
    <bbva:DisposalsAndCapitalReductions contextRef="c-1" decimals="-6" id="f-7030" unitRef="eur">-28000000</bbva:DisposalsAndCapitalReductions>
    <bbva:DisposalsAndCapitalReductions contextRef="c-22" decimals="-6" id="f-7031" unitRef="eur">-42000000</bbva:DisposalsAndCapitalReductions>
    <bbva:DisposalsAndCapitalReductions contextRef="c-23" decimals="-6" id="f-7032" unitRef="eur">-88000000</bbva:DisposalsAndCapitalReductions>
    <bbva:TransfersAndChangesOfConsolidationMethod contextRef="c-1" decimals="-6" id="f-7033" unitRef="eur">-69000000</bbva:TransfersAndChangesOfConsolidationMethod>
    <bbva:TransfersAndChangesOfConsolidationMethod contextRef="c-22" decimals="-6" id="f-7034" unitRef="eur">4000000</bbva:TransfersAndChangesOfConsolidationMethod>
    <bbva:TransfersAndChangesOfConsolidationMethod contextRef="c-23" decimals="-6" id="f-7035" unitRef="eur">0</bbva:TransfersAndChangesOfConsolidationMethod>
    <bbva:ShareOfProfitAndLoss contextRef="c-1" decimals="-6" id="f-7036" unitRef="eur">40000000</bbva:ShareOfProfitAndLoss>
    <bbva:ShareOfProfitAndLoss contextRef="c-22" decimals="-6" id="f-7037" unitRef="eur">26000000</bbva:ShareOfProfitAndLoss>
    <bbva:ShareOfProfitAndLoss contextRef="c-23" decimals="-6" id="f-7038" unitRef="eur">21000000</bbva:ShareOfProfitAndLoss>
    <bbva:ExchangeDifferences contextRef="c-1" decimals="-6" id="f-7039" unitRef="eur">7000000</bbva:ExchangeDifferences>
    <bbva:ExchangeDifferences contextRef="c-22" decimals="-6" id="f-7040" unitRef="eur">16000000</bbva:ExchangeDifferences>
    <bbva:ExchangeDifferences contextRef="c-23" decimals="-6" id="f-7041" unitRef="eur">-1000000</bbva:ExchangeDifferences>
    <bbva:ValuationAdjustments contextRef="c-1" decimals="-6" id="f-7042" unitRef="eur">63000000</bbva:ValuationAdjustments>
    <bbva:ValuationAdjustments contextRef="c-22" decimals="-6" id="f-7043" unitRef="eur">-9000000</bbva:ValuationAdjustments>
    <bbva:ValuationAdjustments contextRef="c-23" decimals="-6" id="f-7044" unitRef="eur">42000000</bbva:ValuationAdjustments>
    <bbva:DividendsValuationAdjustmentsAndOthers contextRef="c-1" decimals="-6" id="f-7045" unitRef="eur">-5000000</bbva:DividendsValuationAdjustmentsAndOthers>
    <bbva:DividendsValuationAdjustmentsAndOthers contextRef="c-22" decimals="-6" id="f-7046" unitRef="eur">-30000000</bbva:DividendsValuationAdjustmentsAndOthers>
    <bbva:DividendsValuationAdjustmentsAndOthers contextRef="c-23" decimals="-6" id="f-7047" unitRef="eur">-44000000</bbva:DividendsValuationAdjustmentsAndOthers>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates contextRef="c-13" decimals="-6" id="f-7048" unitRef="eur">989000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates contextRef="c-20" decimals="-6" id="f-7049" unitRef="eur">976000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates contextRef="c-21" decimals="-6" id="f-7050" unitRef="eur">916000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates contextRef="c-1" decimals="-6" id="f-7051" unitRef="eur">63000000</bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates>
    <bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates contextRef="c-22" decimals="-6" id="f-7052" unitRef="eur">-9000000</bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates>
    <bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates contextRef="c-23" decimals="-6" id="f-7053" unitRef="eur">42000000</bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates>
    <bbva:DisclosureOfTangibleAssetsTextBlock contextRef="c-1" id="f-7054">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Tangible assets&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of, and changes in, the balances under this heading in the consolidated balance sheets, according to the nature of the related items, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.172%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:3.830%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.222%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tangible assets. Breakdown by type of assets and changes in the year 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Work in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Furniture, fixtures and vehicles&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Right to use asset&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment Properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Assets leased out under an operating lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment Properties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="30" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,432&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;295&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;574&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,914&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(332)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(566)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(192)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(145)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(208)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,475&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,848&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,439&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17,567&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accrued depreciation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,606&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;906&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,896&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;123&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;972&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(161)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(181)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(165)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,164&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,547&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Impairment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;61&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;283&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(65)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;260&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,817&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,266&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;84&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,253&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,094&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,999&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,253&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;174&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,759&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.402%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tangible assets. Breakdown by type of assets and changes in the year 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Right to use asset&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Assets leased out under an operating lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:24pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Work in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Furniture, fixtures and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment properties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,833&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,089&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;270&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;549&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;499&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,795&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(195)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(72)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(115)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,432&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accrued depreciation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,064&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;653&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,066&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;426&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;296&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;867&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;57&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,606&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;906&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,896&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Impairment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;286&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;61&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;283&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,036&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;201&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,013&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,817&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,266&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;84&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,253&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.556%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.914%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tangible assets. Breakdown by type of assets and changes in the year 2022 (Millions of euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Right to use asset &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Assets leased out under an operating lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Work in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Furniture, fixtures and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment properties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="30" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13,535&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;475&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;578&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;122&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,726&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(140)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,620)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,784)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,392&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,392&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(274)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(360)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;580&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,833&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,089&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accrued depreciation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,833&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;811&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,641&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;393&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;295&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;818&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(244)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(392)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(220)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;138&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,064&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;653&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,066&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Impairment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;427&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;596&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(309)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(270)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;286&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,336&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,555&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;109&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;234&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,298&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,036&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,629&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,153&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;201&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;530&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;The amount in 2022 was affected by the closing of the transaction with Merlin Properties in which 100% of the shares of Tree &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:130%"&gt;Inversiones Inmobiliarias,&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt; SOCIMI, S.A. were acquired by BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;The variation in 2022 corresponds mainly to the effect of the IAS 29 "Financial Reporting in Hyperinflationary Economies" implementation in Turkey (see Note&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt; 2.2.18).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the cost of fully amortized tangible assets that remained in use were &#x20ac;3,186, &#x20ac;2,796 and &#x20ac;2,443 million respectively while its recoverable residual value was not significant.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.684%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.306%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tangible assets by Spanish and foreign subsidiaries. Net assets values (Millions of euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA and Spanish subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,183&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,285&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,071&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,452&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,759&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,253&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) The number of branches in 2022 was affected by 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Purchase of Tree &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:130%"&gt;Inversiones Inmobiliarias&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt; SOCIMI, S.A. (Tree) from Merlin Properties SOCIMI, S.A. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On June 15, 2022, BBVA acquired from Merlin Properties SOCIMI, S.A. the shares representing the entire share capital of Tree &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:130%"&gt;Inversiones Inmobiliarias&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; SOCIMI, S.A. (hereinafter &#x201c;Tree&#x201d;) for an amount of &#x20ac;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 recognized 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 &#x2013; Other financial liabilities", in accordance with IFRS 16 Leases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The impact of the transaction amounted to &#x20ac;-201 million (losses net of taxes) which was recognized under the headings "Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&#x201d; for an amount of &#x20ac;-134 million and &#x201c;Tax expense or income related to profit or loss from continuing operations&#x201d; for an amount of &#x20ac;-67 million in the consolidated income statement of the BBVA Group.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfTangibleAssetsTextBlock>
    <bbva:TangibleAssetsBreakdownByTypeOfAssetTableTextBlock contextRef="c-1" id="f-7055">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of, and changes in, the balances under this heading in the consolidated balance sheets, according to the nature of the related items, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.172%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:3.830%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.222%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tangible assets. Breakdown by type of assets and changes in the year 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Work in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Furniture, fixtures and vehicles&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Right to use asset&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment Properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Assets leased out under an operating lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment Properties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="30" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,432&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;295&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;574&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,914&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(332)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(566)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(192)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(145)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(208)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,475&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,848&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,439&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17,567&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accrued depreciation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,606&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;906&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,896&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;123&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;972&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(161)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(181)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(165)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,262&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,164&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,547&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Impairment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;61&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;283&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(65)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;260&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,817&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,266&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;84&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,253&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,094&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,999&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,253&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;174&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,759&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.402%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tangible assets. Breakdown by type of assets and changes in the year 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Right to use asset&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Assets leased out under an operating lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:24pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Work in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Furniture, fixtures and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment properties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,833&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,089&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;270&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;549&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;499&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,795&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(195)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(72)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(115)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;16,432&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accrued depreciation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,064&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;653&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,066&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;426&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;296&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;867&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;57&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,606&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;906&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,896&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Impairment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;286&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;61&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;283&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,036&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;201&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,013&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;199&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,817&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,266&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;84&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;9,253&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.556%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.063%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.914%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tangible assets. Breakdown by type of assets and changes in the year 2022 (Millions of euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Right to use asset &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Assets leased out under an operating lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:32pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Work in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Furniture, fixtures and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Investment properties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="30" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Cost &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;13,535&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;475&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;578&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;122&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,726&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(140)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,620)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1,784)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,392&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1,392&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(274)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(360)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;580&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,833&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;15,089&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Accrued depreciation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,833&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;811&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,641&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;393&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;295&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;818&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(244)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(392)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(220)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;138&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,064&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;653&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,066&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Impairment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;427&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;596&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Disposal of entities in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange difference and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(309)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(270)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;286&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,336&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,555&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;109&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;234&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;7,298&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,036&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,629&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,153&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;201&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;530&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;The amount in 2022 was affected by the closing of the transaction with Merlin Properties in which 100% of the shares of Tree &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:130%"&gt;Inversiones Inmobiliarias,&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt; SOCIMI, S.A. were acquired by BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;The variation in 2022 corresponds mainly to the effect of the IAS 29 "Financial Reporting in Hyperinflationary Economies" implementation in Turkey (see Note&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt; 2.2.18).&lt;/span&gt;&lt;/div&gt;</bbva:TangibleAssetsBreakdownByTypeOfAssetTableTextBlock>
    <bbva:CostOfTangibleAssets contextRef="c-2786" decimals="-6" id="f-7056" unitRef="eur">6405000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2787" decimals="-6" id="f-7057" unitRef="eur">199000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2788" decimals="-6" id="f-7058" unitRef="eur">6424000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2789" decimals="-6" id="f-7059" unitRef="eur">2212000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2790" decimals="-6" id="f-7060" unitRef="eur">238000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2791" decimals="-6" id="f-7061" unitRef="eur">156000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2792" decimals="-6" id="f-7062" unitRef="eur">800000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-20" decimals="-6" id="f-7063" unitRef="eur">16432000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2793" decimals="-6" id="f-7064" unitRef="eur">295000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2794" decimals="-6" id="f-7065" unitRef="eur">110000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2795" decimals="-6" id="f-7066" unitRef="eur">513000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2796" decimals="-6" id="f-7067" unitRef="eur">574000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2797" decimals="-6" id="f-7068" unitRef="eur">2000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2798" decimals="-6" id="f-7069" unitRef="eur">52000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2799" decimals="-6" id="f-7070" unitRef="eur">369000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2800" decimals="-6" id="f-7071" unitRef="eur">1914000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2801" decimals="-6" id="f-7072" unitRef="eur">-38000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2802" decimals="-6" id="f-7073" unitRef="eur">-1000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2803" decimals="-6" id="f-7074" unitRef="eur">-89000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2804" decimals="-6" id="f-7075" unitRef="eur">-332000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2805" decimals="-6" id="f-7076" unitRef="eur">-32000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2806" decimals="-6" id="f-7077" unitRef="eur">-10000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2807" decimals="-6" id="f-7078" unitRef="eur">-63000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2808" decimals="-6" id="f-7079" unitRef="eur">-566000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2809" decimals="-6" id="f-7080" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2810" decimals="-6" id="f-7081" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2811" decimals="-6" id="f-7082" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2812" decimals="-6" id="f-7083" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2813" decimals="-6" id="f-7084" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2814" decimals="-6" id="f-7085" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2815" decimals="-6" id="f-7086" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2816" decimals="-6" id="f-7087" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2817" decimals="-6" id="f-7088" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2818" decimals="-6" id="f-7089" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2819" decimals="-6" id="f-7090" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2820" decimals="-6" id="f-7091" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2821" decimals="-6" id="f-7092" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2822" decimals="-6" id="f-7093" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2823" decimals="-6" id="f-7094" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2824" decimals="-6" id="f-7095" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2825" decimals="-6" id="f-7096" unitRef="eur">5000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2826" decimals="-6" id="f-7097" unitRef="eur">-136000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2827" decimals="-6" id="f-7098" unitRef="eur">145000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2828" decimals="-6" id="f-7099" unitRef="eur">-44000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2829" decimals="-6" id="f-7100" unitRef="eur">44000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2830" decimals="-6" id="f-7101" unitRef="eur">-20000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2831" decimals="-6" id="f-7102" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2832" decimals="-6" id="f-7103" unitRef="eur">-5000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2833" decimals="-6" id="f-7104" unitRef="eur">-192000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2834" decimals="-6" id="f-7105" unitRef="eur">-17000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2835" decimals="-6" id="f-7106" unitRef="eur">-145000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2836" decimals="-6" id="f-7107" unitRef="eur">29000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2837" decimals="-6" id="f-7108" unitRef="eur">0</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2838" decimals="-6" id="f-7109" unitRef="eur">63000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2839" decimals="-6" id="f-7110" unitRef="eur">53000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssetsChangesInTheYear contextRef="c-2840" decimals="-6" id="f-7111" unitRef="eur">-208000000</bbva:CostOfTangibleAssetsChangesInTheYear>
    <bbva:CostOfTangibleAssets contextRef="c-2841" decimals="-6" id="f-7112" unitRef="eur">6475000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2842" decimals="-6" id="f-7113" unitRef="eur">155000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2843" decimals="-6" id="f-7114" unitRef="eur">6848000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2844" decimals="-6" id="f-7115" unitRef="eur">2439000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2845" decimals="-6" id="f-7116" unitRef="eur">251000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2846" decimals="-6" id="f-7117" unitRef="eur">241000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-2847" decimals="-6" id="f-7118" unitRef="eur">1158000000</bbva:CostOfTangibleAssets>
    <bbva:CostOfTangibleAssets contextRef="c-13" decimals="-6" id="f-7119" unitRef="eur">17567000000</bbva:CostOfTangibleAssets>
    <bbva:AccruedDepreciation contextRef="c-2786" decimals="-6" id="f-7120" unitRef="eur">1226000000</bbva:AccruedDepreciation>
    <bbva:AccruedDepreciation contextRef="c-2787" decimals="-6" id="f-7121" unitRef="eur">0</bbva:AccruedDepreciation>
    <bbva:AccruedDepreciation contextRef="c-2788" decimals="-6" id="f-7122" unitRef="eur">4606000000</bbva:AccruedDepreciation>
    <bbva:AccruedDepreciation contextRef="c-2789" decimals="-6" id="f-7123" unitRef="eur">906000000</bbva:AccruedDepreciation>
    <bbva:AccruedDepreciation contextRef="c-2790" decimals="-6" id="f-7124" unitRef="eur">93000000</bbva:AccruedDepreciation>
    <bbva:AccruedDepreciation contextRef="c-2791" decimals="-6" id="f-7125" unitRef="eur">17000000</bbva:AccruedDepreciation>
    <bbva:AccruedDepreciation contextRef="c-2792" decimals="-6" id="f-7126" unitRef="eur">49000000</bbva:AccruedDepreciation>
    <bbva:AccruedDepreciation contextRef="c-20" decimals="-6" id="f-7127" unitRef="eur">6896000000</bbva:AccruedDepreciation>
    <bbva:AccruedDepreciationChangesInTheYear contextRef="c-2793" decimals="-6" id="f-7128" unitRef="eur">123000000</bbva:AccruedDepreciationChangesInTheYear>
    <bbva:AccruedDepreciationChangesInTheYear contextRef="c-2794" decimals="-6" id="f-7129" unitRef="eur">0</bbva:AccruedDepreciationChangesInTheYear>
    <bbva:AccruedDepreciationChangesInTheYear contextRef="c-2795" decimals="-6" id="f-7130" unitRef="eur">501000000</bbva:AccruedDepreciationChangesInTheYear>
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    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2947" decimals="-6" id="f-7677" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2948" decimals="-6" id="f-7678" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2949" decimals="-6" id="f-7679" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2950" decimals="-6" id="f-7680" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2951" decimals="-6" id="f-7681" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2952" decimals="-6" id="f-7682" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2953" decimals="-6" id="f-7683" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2954" decimals="-6" id="f-7684" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2955" decimals="-6" id="f-7685" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2956" decimals="-6" id="f-7686" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2957" decimals="-6" id="f-7687" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2958" decimals="-6" id="f-7688" unitRef="eur">-1000000</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2959" decimals="-6" id="f-7689" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2960" decimals="-6" id="f-7690" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2961" decimals="-6" id="f-7691" unitRef="eur">-7000000</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2962" decimals="-6" id="f-7692" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2963" decimals="-6" id="f-7693" unitRef="eur">21000000</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2964" decimals="-6" id="f-7694" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2965" decimals="-6" id="f-7695" unitRef="eur">13000000</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2966" decimals="-6" id="f-7696" unitRef="eur">70000000</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2967" decimals="-6" id="f-7697" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2968" decimals="-6" id="f-7698" unitRef="eur">-4000000</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2969" decimals="-6" id="f-7699" unitRef="eur">-309000000</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2970" decimals="-6" id="f-7700" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2971" decimals="-6" id="f-7701" unitRef="eur">-26000000</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2972" decimals="-6" id="f-7702" unitRef="eur">0</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssetsChangesInTheYear contextRef="c-2973" decimals="-6" id="f-7703" unitRef="eur">-270000000</bbva:ImpairmentOfTangibleAssetsChangesInTheYear>
    <bbva:ImpairmentOfTangibleAssets contextRef="c-2856" decimals="-6" id="f-7704" unitRef="eur">154000000</bbva:ImpairmentOfTangibleAssets>
    <bbva:ImpairmentOfTangibleAssets contextRef="c-2857" decimals="-6" id="f-7705" unitRef="eur">0</bbva:ImpairmentOfTangibleAssets>
    <bbva:ImpairmentOfTangibleAssets contextRef="c-2858" decimals="-6" id="f-7706" unitRef="eur">0</bbva:ImpairmentOfTangibleAssets>
    <bbva:ImpairmentOfTangibleAssets contextRef="c-2859" decimals="-6" id="f-7707" unitRef="eur">65000000</bbva:ImpairmentOfTangibleAssets>
    <bbva:ImpairmentOfTangibleAssets contextRef="c-2860" decimals="-6" id="f-7708" unitRef="eur">50000000</bbva:ImpairmentOfTangibleAssets>
    <bbva:ImpairmentOfTangibleAssets contextRef="c-2861" decimals="-6" id="f-7709" unitRef="eur">17000000</bbva:ImpairmentOfTangibleAssets>
    <bbva:ImpairmentOfTangibleAssets contextRef="c-2862" decimals="-6" id="f-7710" unitRef="eur">0</bbva:ImpairmentOfTangibleAssets>
    <bbva:ImpairmentOfTangibleAssets contextRef="c-21" decimals="-6" id="f-7711" unitRef="eur">286000000</bbva:ImpairmentOfTangibleAssets>
    <bbva:TangibleAssets contextRef="c-2919" decimals="-6" id="f-7712" unitRef="eur">3336000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2920" decimals="-6" id="f-7713" unitRef="eur">67000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2921" decimals="-6" id="f-7714" unitRef="eur">1555000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2922" decimals="-6" id="f-7715" unitRef="eur">1916000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2923" decimals="-6" id="f-7716" unitRef="eur">81000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2924" decimals="-6" id="f-7717" unitRef="eur">109000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2925" decimals="-6" id="f-7718" unitRef="eur">234000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-173" decimals="-6" id="f-7719" unitRef="eur">7298000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2856" decimals="-6" id="f-7720" unitRef="eur">5036000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2857" decimals="-6" id="f-7721" unitRef="eur">93000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2858" decimals="-6" id="f-7722" unitRef="eur">1629000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2859" decimals="-6" id="f-7723" unitRef="eur">1153000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2860" decimals="-6" id="f-7724" unitRef="eur">94000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2861" decimals="-6" id="f-7725" unitRef="eur">201000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2862" decimals="-6" id="f-7726" unitRef="eur">530000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-21" decimals="-6" id="f-7727" unitRef="eur">8737000000</bbva:TangibleAssets>
    <bbva:TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock contextRef="c-1" id="f-7728">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.684%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.306%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tangible assets by Spanish and foreign subsidiaries. Net assets values (Millions of euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA and Spanish subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,183&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,285&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,071&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,452&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,759&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,253&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,737&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) The number of branches in 2022 was affected by 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.&lt;/span&gt;&lt;/div&gt;</bbva:TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock>
    <bbva:TangibleAssets contextRef="c-2982" decimals="-6" id="f-7729" unitRef="eur">4129000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2983" decimals="-6" id="f-7730" unitRef="eur">4183000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2984" decimals="-6" id="f-7731" unitRef="eur">4285000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2985" decimals="-6" id="f-7732" unitRef="eur">5630000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2986" decimals="-6" id="f-7733" unitRef="eur">5071000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-2987" decimals="-6" id="f-7734" unitRef="eur">4452000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-13" decimals="-6" id="f-7735" unitRef="eur">9759000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-20" decimals="-6" id="f-7736" unitRef="eur">9253000000</bbva:TangibleAssets>
    <bbva:TangibleAssets contextRef="c-21" decimals="-6" id="f-7737" unitRef="eur">8737000000</bbva:TangibleAssets>
    <ifrs-full:DisclosureOfIntangibleAssetsExplanatory contextRef="c-1" id="f-7738">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Intangible assets&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Goodwill&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.936%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Goodwill. Breakdown by CGU and changes of the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance as of December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;504&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;152&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;818&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(152)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(152)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance as of December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;559&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;707&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance as of December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;143&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;795&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance as of December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;541&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) As a result of the application of IAS 29, as indicated in Note 2.2.18, the book value of the Turkish CGU exceeded the existing recoverable value, so on January 1, 2022 the goodwill as well as other intangible assets assigned to the Turkish CGU were derecognized.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Goodwill in business combinations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;There were no significant business combinations during 2024, 2023 and 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Impairment Test&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The main hypotheses used for the value in use calculation are the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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 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 GDP of the geographical area where the CGU is located, among others. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The constant growth rate for extrapolating cash flows, starting in the fifth year, beyond the period covered by the budgets or forecasts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Goodwill - Mexico CGU&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group&#x2019;s most significant goodwill corresponds to the CGU in Mexico, the main significant assumptions used in the impairment test of this CGU as of December 31, 2024, 2023 and 2022 are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.693%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impairment test assumptions CGU goodwill in Mexico &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Discount rate&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) After tax discount rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In accordance with paragraph 33.c of IAS 36, as of December 31, 2024, the Group used a growth rate of 5.5% based on the real GDP growth rate of Mexico, the expected inflation rate and the potential growth of the banking sector in Mexico. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 fifth 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, 2024, where, in each case, their value in use would continue to exceed their book value&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.924%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.926%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Sensitivity analysis for main assumptions - Mexico&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Increase of 50 basis points &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Decrease of 50 basis points&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Goodwill - Turkey CGU&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a result of the application of IAS 29 "Financial Reporting in Hyperinflationary Economies" in 2022, as indicated in Note 2.2.18, 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 assigned to the Turkish CGU were derecognized in their entirety.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Goodwill - Other CGUs&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Other intangible assets &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.920%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other intangible assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Computer software acquisition expense&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,764&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,535&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,393&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other intangible assets with an infinite useful life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other intangible assets with a definite useful life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,790&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,449&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The changes of this heading during the years ended December 31, 2024, 2023 and 2022, are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other intangible assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Computer software&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other intangible &lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total of intangible assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,535&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,453&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,379&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;688&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;689&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Amortization in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(543)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(518)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(490)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(561)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(536)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(510)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Amortization transfer to discontinued operations&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange differences and other &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,764&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,535&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,790&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,453&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the cost of fully amortized intangible assets that remained in use were &#x20ac;4,214 million, &#x20ac;4,214 million and &#x20ac;3,490 million respectively, while their recoverable value was not significant.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfIntangibleAssetsExplanatory>
    <bbva:ReconciliationOfChangesInGoodwillTableTextBlock contextRef="c-1" id="f-7739">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.936%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Goodwill. Breakdown by CGU and changes of the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance as of December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;504&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;152&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;818&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(152)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(152)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance as of December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;559&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;707&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance as of December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;143&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;795&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance as of December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;541&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;700&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) As a result of the application of IAS 29, as indicated in Note 2.2.18, the book value of the Turkish CGU exceeded the existing recoverable value, so on January 1, 2022 the goodwill as well as other intangible assets assigned to the Turkish CGU were derecognized.&lt;/span&gt;&lt;/div&gt;</bbva:ReconciliationOfChangesInGoodwillTableTextBlock>
    <ifrs-full:Goodwill contextRef="c-2988" decimals="-6" id="f-7740" unitRef="eur">504000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2989" decimals="-6" id="f-7741" unitRef="eur">152000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2990" decimals="-6" id="f-7742" unitRef="eur">134000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2991" decimals="-6" id="f-7743" unitRef="eur">24000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2992" decimals="-6" id="f-7744" unitRef="eur">4000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-173" decimals="-6" id="f-7745" unitRef="eur">818000000</ifrs-full:Goodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-2993" decimals="-6" id="f-7746" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-2994" decimals="-6" id="f-7747" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-2995" decimals="-6" id="f-7748" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-2996" decimals="-6" id="f-7749" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-2997" decimals="-6" id="f-7750" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-23" decimals="-6" id="f-7751" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-2993" decimals="-6" id="f-7752" unitRef="eur">55000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-2994" decimals="-6" id="f-7753" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-2995" decimals="-6" id="f-7754" unitRef="eur">-16000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-2996" decimals="-6" id="f-7755" unitRef="eur">1000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-2997" decimals="-6" id="f-7756" unitRef="eur">1000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-23" decimals="-6" id="f-7757" unitRef="eur">41000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-2993" decimals="-6" id="f-7758" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-2994" decimals="-6" id="f-7759" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-2995" decimals="-6" id="f-7760" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-2996" decimals="-6" id="f-7761" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-2997" decimals="-6" id="f-7762" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-23" decimals="-6" id="f-7763" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-2993" decimals="-6" id="f-7764" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-2994" decimals="-6" id="f-7765" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-2995" decimals="-6" id="f-7766" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-2996" decimals="-6" id="f-7767" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-2997" decimals="-6" id="f-7768" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-23" decimals="-6" id="f-7769" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill contextRef="c-2993" decimals="-6" id="f-7770" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill contextRef="c-2994" decimals="-6" id="f-7771" unitRef="eur">-152000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill contextRef="c-2995" decimals="-6" id="f-7772" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill contextRef="c-2996" decimals="-6" id="f-7773" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill contextRef="c-2997" decimals="-6" id="f-7774" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill contextRef="c-23" decimals="-6" id="f-7775" unitRef="eur">-152000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill>
    <ifrs-full:Goodwill contextRef="c-2998" decimals="-6" id="f-7776" unitRef="eur">559000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2999" decimals="-6" id="f-7777" unitRef="eur">0</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3000" decimals="-6" id="f-7778" unitRef="eur">118000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3001" decimals="-6" id="f-7779" unitRef="eur">25000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3002" decimals="-6" id="f-7780" unitRef="eur">5000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-21" decimals="-6" id="f-7781" unitRef="eur">707000000</ifrs-full:Goodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3003" decimals="-6" id="f-7782" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3004" decimals="-6" id="f-7783" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3005" decimals="-6" id="f-7784" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3006" decimals="-6" id="f-7785" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3007" decimals="-6" id="f-7786" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-22" decimals="-6" id="f-7787" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3003" decimals="-6" id="f-7788" unitRef="eur">64000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3004" decimals="-6" id="f-7789" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3005" decimals="-6" id="f-7790" unitRef="eur">25000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3006" decimals="-6" id="f-7791" unitRef="eur">-1000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3007" decimals="-6" id="f-7792" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-22" decimals="-6" id="f-7793" unitRef="eur">88000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3003" decimals="-6" id="f-7794" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3004" decimals="-6" id="f-7795" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3005" decimals="-6" id="f-7796" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3006" decimals="-6" id="f-7797" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3007" decimals="-6" id="f-7798" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-22" decimals="-6" id="f-7799" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3003" decimals="-6" id="f-7800" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3004" decimals="-6" id="f-7801" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3005" decimals="-6" id="f-7802" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3006" decimals="-6" id="f-7803" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3007" decimals="-6" id="f-7804" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-22" decimals="-6" id="f-7805" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <ifrs-full:Goodwill contextRef="c-3008" decimals="-6" id="f-7806" unitRef="eur">623000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3009" decimals="-6" id="f-7807" unitRef="eur">0</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3010" decimals="-6" id="f-7808" unitRef="eur">143000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3011" decimals="-6" id="f-7809" unitRef="eur">24000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3012" decimals="-6" id="f-7810" unitRef="eur">5000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-20" decimals="-6" id="f-7811" unitRef="eur">795000000</ifrs-full:Goodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3013" decimals="-6" id="f-7812" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3014" decimals="-6" id="f-7813" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3015" decimals="-6" id="f-7814" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3016" decimals="-6" id="f-7815" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-3017" decimals="-6" id="f-7816" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-1" decimals="-6" id="f-7817" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3013" decimals="-6" id="f-7818" unitRef="eur">-82000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3014" decimals="-6" id="f-7819" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3015" decimals="-6" id="f-7820" unitRef="eur">-11000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3016" decimals="-6" id="f-7821" unitRef="eur">-1000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-3017" decimals="-6" id="f-7822" unitRef="eur">-1000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-1" decimals="-6" id="f-7823" unitRef="eur">-95000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3013" decimals="-6" id="f-7824" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3014" decimals="-6" id="f-7825" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3015" decimals="-6" id="f-7826" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3016" decimals="-6" id="f-7827" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-3017" decimals="-6" id="f-7828" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-1" decimals="-6" id="f-7829" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3013" decimals="-6" id="f-7830" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3014" decimals="-6" id="f-7831" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3015" decimals="-6" id="f-7832" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3016" decimals="-6" id="f-7833" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-3017" decimals="-6" id="f-7834" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill contextRef="c-1" decimals="-6" id="f-7835" unitRef="eur">0</bbva:IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill>
    <ifrs-full:Goodwill contextRef="c-3018" decimals="-6" id="f-7836" unitRef="eur">541000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3019" decimals="-6" id="f-7837" unitRef="eur">0</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3020" decimals="-6" id="f-7838" unitRef="eur">132000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3021" decimals="-6" id="f-7839" unitRef="eur">23000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3022" decimals="-6" id="f-7840" unitRef="eur">4000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-13" decimals="-6" id="f-7841" unitRef="eur">700000000</ifrs-full:Goodwill>
    <bbva:ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock contextRef="c-1" id="f-7842">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group&#x2019;s most significant goodwill corresponds to the CGU in Mexico, the main significant assumptions used in the impairment test of this CGU as of December 31, 2024, 2023 and 2022 are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.693%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impairment test assumptions CGU goodwill in Mexico &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Discount rate&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) After tax discount rates.&lt;/span&gt;&lt;/div&gt;</bbva:ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections contextRef="c-3023" decimals="3" id="f-7843" unitRef="rate">0.183</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections contextRef="c-3024" decimals="3" id="f-7844" unitRef="rate">0.124</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections contextRef="c-3025" decimals="3" id="f-7845" unitRef="rate">0.127</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-3023"
      decimals="3"
      id="f-7846"
      unitRef="number">0.055</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-3024"
      decimals="3"
      id="f-7847"
      unitRef="number">0.056</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-3025"
      decimals="3"
      id="f-7848"
      unitRef="number">0.063</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-3023"
      decimals="3"
      id="f-7849"
      unitRef="number">0.055</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <bbva:SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock contextRef="c-1" id="f-7850">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 fifth 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, 2024, where, in each case, their value in use would continue to exceed their book value&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.924%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.926%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Sensitivity analysis for main assumptions - Mexico&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Increase of 50 basis points &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Decrease of 50 basis points&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(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.&lt;/span&gt;&lt;/div&gt;</bbva:SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-3026"
      decimals="2"
      id="f-7851"
      unitRef="number">-0.03</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-3027"
      decimals="2"
      id="f-7852"
      unitRef="number">0.03</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
    <bbva:GrowthRateUsedToExtrapolateCashFlowProjectionsMexico
      contextRef="c-3026"
      decimals="2"
      id="f-7853"
      unitRef="number">0.02</bbva:GrowthRateUsedToExtrapolateCashFlowProjectionsMexico>
    <bbva:GrowthRateUsedToExtrapolateCashFlowProjectionsMexico
      contextRef="c-3027"
      decimals="2"
      id="f-7854"
      unitRef="number">-0.02</bbva:GrowthRateUsedToExtrapolateCashFlowProjectionsMexico>
    <bbva:OtherIntangibleAssetsTableTextBlock contextRef="c-1" id="f-7855">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.920%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other intangible assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Computer software acquisition expense&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,764&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,535&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,393&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other intangible assets with an infinite useful life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other intangible assets with a definite useful life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,790&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,449&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:OtherIntangibleAssetsTableTextBlock>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3028" decimals="-6" id="f-7856" unitRef="eur">1764000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3029" decimals="-6" id="f-7857" unitRef="eur">1535000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3030" decimals="-6" id="f-7858" unitRef="eur">1393000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3031" decimals="-6" id="f-7859" unitRef="eur">9000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3032" decimals="-6" id="f-7860" unitRef="eur">8000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3033" decimals="-6" id="f-7861" unitRef="eur">13000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3034" decimals="-6" id="f-7862" unitRef="eur">17000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3035" decimals="-6" id="f-7863" unitRef="eur">25000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3036" decimals="-6" id="f-7864" unitRef="eur">43000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-13" decimals="-6" id="f-7865" unitRef="eur">1790000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-20" decimals="-6" id="f-7866" unitRef="eur">1568000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-21" decimals="-6" id="f-7867" unitRef="eur">1449000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <bbva:ChangesInOtherIntangibleAssetsTableTextBlock contextRef="c-1" id="f-7868">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The changes of this heading during the years ended December 31, 2024, 2023 and 2022, are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other intangible assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Computer software&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Other intangible &lt;/span&gt;&lt;div&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total of intangible assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,535&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,453&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,379&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;771&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;688&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;689&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Amortization in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(543)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(518)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(490)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(561)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(536)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(510)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Amortization transfer to discontinued operations&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Exchange differences and other &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,764&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,535&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,396&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,790&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,453&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ChangesInOtherIntangibleAssetsTableTextBlock>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3037" decimals="-6" id="f-7869" unitRef="eur">1535000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3038" decimals="-6" id="f-7870" unitRef="eur">1396000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3039" decimals="-6" id="f-7871" unitRef="eur">1239000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3040" decimals="-6" id="f-7872" unitRef="eur">33000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3041" decimals="-6" id="f-7873" unitRef="eur">56000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3042" decimals="-6" id="f-7874" unitRef="eur">140000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3043" decimals="-6" id="f-7875" unitRef="eur">1568000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3044" decimals="-6" id="f-7876" unitRef="eur">1453000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3045" decimals="-6" id="f-7877" unitRef="eur">1379000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill contextRef="c-3046" decimals="-6" id="f-7878" unitRef="eur">771000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill contextRef="c-3047" decimals="-6" id="f-7879" unitRef="eur">688000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill contextRef="c-3048" decimals="-6" id="f-7880" unitRef="eur">592000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill contextRef="c-3049" decimals="-6" id="f-7881" unitRef="eur">11000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill contextRef="c-3050" decimals="-6" id="f-7882" unitRef="eur">1000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill contextRef="c-3051" decimals="-6" id="f-7883" unitRef="eur">0</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill contextRef="c-3052" decimals="-6" id="f-7884" unitRef="eur">782000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill contextRef="c-3053" decimals="-6" id="f-7885" unitRef="eur">689000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill contextRef="c-3054" decimals="-6" id="f-7886" unitRef="eur">592000000</ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill contextRef="c-3046" decimals="-6" id="f-7887" unitRef="eur">543000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill contextRef="c-3047" decimals="-6" id="f-7888" unitRef="eur">518000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill contextRef="c-3048" decimals="-6" id="f-7889" unitRef="eur">490000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill contextRef="c-3049" decimals="-6" id="f-7890" unitRef="eur">18000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill contextRef="c-3050" decimals="-6" id="f-7891" unitRef="eur">19000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill contextRef="c-3051" decimals="-6" id="f-7892" unitRef="eur">20000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill contextRef="c-3052" decimals="-6" id="f-7893" unitRef="eur">561000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill contextRef="c-3053" decimals="-6" id="f-7894" unitRef="eur">536000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill contextRef="c-3054" decimals="-6" id="f-7895" unitRef="eur">510000000</ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill>
    <bbva:AmortizationTransferToDiscontinuedOperations contextRef="c-3046" decimals="-6" id="f-7896" unitRef="eur">0</bbva:AmortizationTransferToDiscontinuedOperations>
    <bbva:AmortizationTransferToDiscontinuedOperations contextRef="c-3047" decimals="-6" id="f-7897" unitRef="eur">0</bbva:AmortizationTransferToDiscontinuedOperations>
    <bbva:AmortizationTransferToDiscontinuedOperations contextRef="c-3048" decimals="-6" id="f-7898" unitRef="eur">0</bbva:AmortizationTransferToDiscontinuedOperations>
    <bbva:AmortizationTransferToDiscontinuedOperations contextRef="c-3049" decimals="-6" id="f-7899" unitRef="eur">0</bbva:AmortizationTransferToDiscontinuedOperations>
    <bbva:AmortizationTransferToDiscontinuedOperations contextRef="c-3050" decimals="-6" id="f-7900" unitRef="eur">0</bbva:AmortizationTransferToDiscontinuedOperations>
    <bbva:AmortizationTransferToDiscontinuedOperations contextRef="c-3051" decimals="-6" id="f-7901" unitRef="eur">0</bbva:AmortizationTransferToDiscontinuedOperations>
    <bbva:AmortizationTransferToDiscontinuedOperations contextRef="c-3052" decimals="-6" id="f-7902" unitRef="eur">0</bbva:AmortizationTransferToDiscontinuedOperations>
    <bbva:AmortizationTransferToDiscontinuedOperations contextRef="c-3053" decimals="-6" id="f-7903" unitRef="eur">0</bbva:AmortizationTransferToDiscontinuedOperations>
    <bbva:AmortizationTransferToDiscontinuedOperations contextRef="c-3054" decimals="-6" id="f-7904" unitRef="eur">0</bbva:AmortizationTransferToDiscontinuedOperations>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill contextRef="c-3046" decimals="-6" id="f-7905" unitRef="eur">16000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill contextRef="c-3047" decimals="-6" id="f-7906" unitRef="eur">-6000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill contextRef="c-3048" decimals="-6" id="f-7907" unitRef="eur">80000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill contextRef="c-3049" decimals="-6" id="f-7908" unitRef="eur">-1000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill contextRef="c-3050" decimals="-6" id="f-7909" unitRef="eur">-5000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill contextRef="c-3051" decimals="-6" id="f-7910" unitRef="eur">-63000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill contextRef="c-3052" decimals="-6" id="f-7911" unitRef="eur">16000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill contextRef="c-3053" decimals="-6" id="f-7912" unitRef="eur">-11000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill contextRef="c-3054" decimals="-6" id="f-7913" unitRef="eur">-17000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill>
    <bbva:Impairment contextRef="c-3046" decimals="-6" id="f-7914" unitRef="eur">-15000000</bbva:Impairment>
    <bbva:Impairment contextRef="c-3047" decimals="-6" id="f-7915" unitRef="eur">-26000000</bbva:Impairment>
    <bbva:Impairment contextRef="c-3048" decimals="-6" id="f-7916" unitRef="eur">-25000000</bbva:Impairment>
    <bbva:Impairment contextRef="c-3049" decimals="-6" id="f-7917" unitRef="eur">0</bbva:Impairment>
    <bbva:Impairment contextRef="c-3050" decimals="-6" id="f-7918" unitRef="eur">0</bbva:Impairment>
    <bbva:Impairment contextRef="c-3051" decimals="-6" id="f-7919" unitRef="eur">0</bbva:Impairment>
    <bbva:Impairment contextRef="c-3052" decimals="-6" id="f-7920" unitRef="eur">-15000000</bbva:Impairment>
    <bbva:Impairment contextRef="c-3053" decimals="-6" id="f-7921" unitRef="eur">-26000000</bbva:Impairment>
    <bbva:Impairment contextRef="c-3054" decimals="-6" id="f-7922" unitRef="eur">25000000</bbva:Impairment>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3055" decimals="-6" id="f-7923" unitRef="eur">1764000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3037" decimals="-6" id="f-7924" unitRef="eur">1535000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3038" decimals="-6" id="f-7925" unitRef="eur">1396000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3056" decimals="-6" id="f-7926" unitRef="eur">26000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3040" decimals="-6" id="f-7927" unitRef="eur">33000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3041" decimals="-6" id="f-7928" unitRef="eur">56000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3057" decimals="-6" id="f-7929" unitRef="eur">1790000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3043" decimals="-6" id="f-7930" unitRef="eur">1568000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-3044" decimals="-6" id="f-7931" unitRef="eur">1453000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <bbva:DisclosureOfTaxAssetsAndLiabilitiesTextBlock contextRef="c-1" id="f-7932">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Tax assets and liabilities&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Consolidated tax group&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group&#x2019;s non-Spanish banks and subsidiaries file tax returns in accordance with the tax legislation in force in each country.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Years open for review by the tax authorities&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, the BBVA consolidated tax group in Spain was undergoing inspection in connection with the years 2017 to 2020, with respect to the main taxes applicable to it.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Notwithstanding the above, the application of the temporary tax on credit institutions by BBVA, S.A. for the year 2023 is being reviewed  by the Tax Administration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With respect to the other main jurisdictions in which the Group is present and carries out its activity, in Mexico, during fiscal year 2024 the review procedure corresponding to fiscal year 2018 for the income tax of BBVA M&#xe9;xico, S.A. has continued.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With regard to the coverage, if applicable, of tax risks identified in the consolidated financial statements, it may involve either the recording of a provision or a lower deferred tax asset or tax credit to the extent that the risk being hedged had previously given rise to the registration of a deferred tax asset or tax credit.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In this regard, in the terms indicated in the previous paragraph, the Group has established provisions that, without prejudice to the uncertainty associated with any ongoing processes, it considers appropriate taking into account the identified risks (in accordance with the relevant evaluation and estimation possibilities of such risks) and that, in no case, are considered individually significant.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Without prejudice to the foregoing, due to the possible different interpretations that may be given to certain tax regulations, the results of the inspections that, where appropriate, are carried out by the tax authorities are likely to reveal other contingent tax liabilities, the amount of which It is not possible to quantify objectively at the present time. However, the Group estimates that the possibility of these contingent liabilities materializing is remote and, in any case, the tax debt that could arise from them would not significantly affect the accompanying consolidated financial statements of the Group.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Reconciliation of the tax expense&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The reconciliation of the Group&#x2019;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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:43.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.150%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Reconciliation of taxation at the Spanish corporation tax rate to the tax expense recorded for the year&#160;(Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax %&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax %&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Profit or (-) loss before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;15,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Taxation at Spanish corporation tax rate 30%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,726&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,080&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Lower/higher effective tax rate from foreign entities &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;317&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Mexico &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(180)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(194)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Chile &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Colombia &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Peru &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;498&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;621&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;USA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Revenues with lower tax rate (dividends/capital gains)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity accounted earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other effects &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Calculated by applying the difference between the tax rate in force in Spain and the one applied to the Group&#x2019;s earnings in each jurisdiction.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Regarding 2024, it shows the net impact of several tax effects that include, among others, (i) the accounting record of the impact associated with the declaration of unconstitutionality of certain measures relating to the Spanish Corporate Income Tax introduced by Royal Decree-Law 3/2016, as well as the impact of some of the measures introduced by Law 7/2024 on Corporate Income Tax that, in particular, are aimed at reinstating the measures declared unconstitutional, (ii) the non-deductibility of the temporary taxation of credit institutions recorded for accounting purposes in the year 2024 (see Note 19.6), and (iii) the effects of the limitation of the exemption on intra-group dividends and the withholding taxes associated with them.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The effective income tax rate for the Group in the years ended December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.769%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax rate (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Income from:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Consolidated tax group in Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,601&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,206&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other Spanish entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(462)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,812&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,524&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gains (losses) before taxes from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,419&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,268&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tax expense or income related to profit or loss from continuing operations &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,505&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax rate&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31.4&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;32.2&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34.1&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) In 2024, &#x20ac;3,970 million and &#x20ac;860 million corresponded to current tax expenses and deferred tax expenses, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2024, in general terms, there have been no changes in the nominal Corporate Income Tax rate in the main countries in which the Group is present compared to those existing in the previous period. In 2023, the changes in the nominal tax rate in Corporate Income Tax, with respect to those existing in the previous year in the main countries in which the Group is present, were Turkey (from 25% to 30%) and Colombia (from 38% to 40%).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Income tax recognized in equity&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Regardless of the income tax expense recognized in the consolidated income statements, the Group has recognized income tax charges in the consolidated total equity in 2024, 2023 and 2022 for &#x20ac;543 million, &#x20ac;285 million and &#x20ac;745 million, respectively, mainly due to debt securities, actuarial gains and losses and cash flow hedges. &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Tax assets and liabilities&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Tax liabilities&#x201d; heading includes the balances payable in respect of the Group&#x2019;s various current and deferred tax liabilities. The details of the mentioned tax assets and liabilities are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tax assets and liabilities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current tax assets &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,295&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,978&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deferred tax assets &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,747&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;422&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,335&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,069&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,478&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loss allowances &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,127&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,834&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,495&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,261&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Secured tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,979&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;8,534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;8,689&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Tax losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;853&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;999&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,063&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;18,650&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;17,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,725&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current tax liabilities &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;575&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,415&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deferred tax liabilities&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,520&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;761&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;557&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,033&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,554&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,935&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In 2024, the increase in current tax assets corresponds mainly to a higher tax receivable of the tax group in Spain, as well as in Mexico and Colombia, in relation to the Corporate Income Tax for the year 2024 related to the installment payments made in the year. On the other hand, the decrease in current tax liabilities corresponds mainly to the decrease in the tax payable in Mexico and Argentina in relation to the estimated income tax for the year 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The most significant variations of the deferred tax assets and liabilities in the years 2024, 2023 and 2022 were derived from the following items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.260%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred tax assets and liabilities. Annual variations (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,917&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,769&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financials instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;266&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(567)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loss allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;206&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;318&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Secured tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(555)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(155)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(615)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tax losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(146)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,354&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,458&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,641&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,677&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,747&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,520&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;The changes in deferred tax assets and liabilities in 2024 were mainly attributable to:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Secured tax assets decreased as a result of the offsetting of these assets provided for in the estimate of the Spanish tax group's income tax for 2024, as well as due to the effects associated with the declaration of unconstitutionality of certain measures relating to Corporate Income Tax introduced by Royal Decree Law 3/2016 in Spain.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;There was a decrease in tax assets due to tax losses because, in 2024, the tax Group in Spain generated positive taxable income that allowed the offsetting of tax losses and deductions; its balance was also affected, among others, by the effects associated with the declaration of unconstitutionality referred to above.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Changes in the amount of deferred tax assets (other than those guaranteed and those linked to tax losses) net of deferred tax liabilities were mainly due to the effect of exchange rates, especially in the case of Mexico and Turkey, the effects associated with the valuation of financial instruments and the functioning of the Corporate Income Tax in which, due to the differences between accounting and taxation criteria, there are constant movements in deferred taxes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Of the deferred tax assets and liabilities shown 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, 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 &#x20ac;230, &#x20ac;96 and &#x20ac;88 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With respect to the deferred tax assets shown above, the table below shows the amounts guaranteed by the Spanish government, broken down by the items that originated the relevant assets:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.665%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.311%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.311%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.313%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Secured tax assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,622&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loss allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,357&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,067&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,979&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,534&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,689&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, non-guaranteed net deferred tax assets amounted to &#x20ac;3,918 million (&#x20ac;4,430 million and &#x20ac;4,537 million as of December 31, 2023 and 2022, respectively). The breakdown by major geographical areas was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Spain: Net deferred tax assets recognized in Spain totaled &#x20ac;1,421 million as of December 31, 2024 (&#x20ac;1,805 and &#x20ac;2,424 million as of December 31, 2023 and 2022, respectively). &#x20ac;685 million of the figure recorded in the year ended December 31, 2024 for net deferred tax assets related to tax credits and tax loss carry forwards and &#x20ac;736 million relate to temporary differences.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Mexico: Net deferred tax assets recognized in Mexico amounted to &#x20ac;1,798 million as of December 31, 2024 (&#x20ac;1,899 and &#x20ac;1,640 million as of December 31, 2023 and 2022, respectively). Practically all of deferred tax assets as of December 31, 2024 relate to temporary differences.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;South America: Net deferred tax assets recognized in South America amounted to &#x20ac;245 million as of December 31, 2024 (&#x20ac;213 and &#x20ac;227 million as of December 31, 2023 and 2022, respectively). Of the figure recorded at year-end 2024 for net deferred tax assets, &#x20ac;147 million relate to tax credits for tax loss carryforwards and &#x20ac;98 million have arisen as temporary differences.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Turkey: Net deferred tax assets recognized in Turkey amounted to &#x20ac;443 million as of December 31, 2024 (&#x20ac;499 and &#x20ac;228 million as of December 31, 2023 and 2022, respectively). All of the deferred tax assets have arisen as temporary differences.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Based on the information available as of December 31, 2024, including historical levels of benefits and projected results available to the Group, 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. In this respect, in the specific case of the tax Group in Spain, the Group estimates that it will be able to generate sufficient taxable income to offset the tax loss carryforwards and deductions recorded for accounting purposes within a period under 10 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On the other hand, the Group has not recognized for accounting purposes (or, as the case may be, has been subject to a valuation adjustment) certain deferred tax assets (tax loss carryforwards, deductions and temporary differences) for which, in general, there is no legal period for offsetting, amounting to approximately &#x20ac;2,507 million (in terms of quota), which mainly arise from the integration of Catalunya Banc in the case of Spain, in accordance with the following breakdown by each of the jurisdictions in which the Group is located and carries on its business activities: (i) Spain: &#x20ac;2,395,411 thousand; (ii) United States: &#x20ac;37,829 thousand; (iii) Mexico: &#x20ac;24,615 thousand; (iv) France: &#x20ac;12,939 thousand; (v) Portugal: &#x20ac;11,654 thousand; (vi) Colombia: &#x20ac;10,718 thousand; (vii) Peru: &#x20ac;4,289 thousand; (viii) Brazil: &#x20ac;3,164 thousand; (ix) Japan: &#x20ac;2,766 thousand; (x) Turkey: &#x20ac;2,943 thousand; (xi) Netherlands: &#x20ac;794 thousand; (xii) Singapore: &#x20ac;171 thousand; and (xiii) China: &#x20ac;64 thousand.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In connection with the above, it should be noted that within the framework of the ongoing process of rationalization of the Group's corporate structure which, among other things, may provide for the future dissolution and liquidation of companies, the materialization of the aforementioned deferred tax assets not recognized for accounting purposes may take place in the Group company that is a shareholder of the entity being dissolved and liquidated, as a result of the disclosure of tax losses pending deduction associated with the shareholding of the company which, as the case may be, is dissolved and liquidated.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Other contributions and taxes&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Temporary tax on credit institutions in Spain&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This law establishes an obligation to pay a non-taxable equity benefit of public nature during the years 2023 and 2024 on those credit institutions that operate in Spain whose aggregate interest income and fee and commission income in 2019 was &#x20ac;800 million or more. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amount of the non-taxable equity benefit to be paid is 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 make such a payment arose. The payment obligation arises on the first day of the calendar year of fiscal years 2023 and 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The impact of the payment required to be made by BBVA on account of this benefit in 2024 amounted to &#x20ac;285 million and was recorded under "Other operating expense" in the consolidated income statement (see Note 42).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tax on net interest income and commissions of certain financial institutions in Spain&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;On December 21, 2024, Law 7/2024 was published in the Official State Gazette, the ninth Final Provision of which regulates a new tax on the interest margin and commissions of certain financial entities, including Banco Bilbao Vizcaya Argentaria, S.A. The tax is levied on the interest margin and commissions obtained by credit institutions from the activity they carry out in Spain and is applicable to the first three consecutive tax periods that begin on January 1, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Subsequently, Royal Decree-Law 9/2024, which came into force on December 25, 2024, modified certain aspects of the tax approved by Law 7/2024, among other things, the tax period and the accrual of the new tax. However, this Royal Decree-Law has not been validated by the Congress of Deputies so, as of the date of these Consolidated Financial Statements, it is repealed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:17.86pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;No impact associated with this tax has been recorded in the Consolidated Financial Statements for the year ended December 31, 2024. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#004580;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:130%"&gt;Complementary tax to ensure a global minimum top up tax for multinational groups and large domestic groups (Pillar Two)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On December 20, 2024, Law 7/2024 of December 20, 2024 was approved in Spain, establishing a Complementary Tax to guarantee an overall minimum level of taxation for multinational groups and large domestic groups, a Tax on the net interest income and fee and commission of certain financial institutions and a Tax on liquids for electronic cigarettes and other tobacco-related products, and amending other tax regulations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This law transposes Council Directive (EU) 2022/2523 of December 15, 2022, which incorporates the Pillar Two rules into the European legal framework.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The aforementioned Law has been approved with effect for tax periods beginning on or after December 31, 2023. Consequently, at the end of the year 2024, the Group is subject to the Pillar Two rules.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In compliance with current legislation, the Group has calculated the estimated impact of the Complementary Tax based on the Transitional Safe Harbor analysis and on the basis of the figures used in the preparation of the Group's consolidated financial statements in each of its constituent jurisdictions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a result of this estimated calculation, it has been determined that most of the jurisdictions in which the Group operates, with the exception of a small number of countries representing an immaterial percentage of the BBVA Group's profit (loss) before tax, exceed the minimum effective tax rate of 15% and, therefore, do not accrue Complementary Tax. For those jurisdictions that do not meet this threshold, BBVA, S.A., as the ultimate parent company of the Group, as of December 31, 2024, has recognized as a current tax expense the corresponding estimated supplementary tax associated with those jurisdictions, the amount of which is very immaterial.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Finally, it should be noted that the BBVA Group applies the mandatory exception to the recognition and disclosure of deferred tax assets and liabilities in relation to Pillar Two.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfTaxAssetsAndLiabilitiesTextBlock>
    <bbva:ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock contextRef="c-1" id="f-7933">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The reconciliation of the Group&#x2019;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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:43.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.150%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Reconciliation of taxation at the Spanish corporation tax rate to the tax expense recorded for the year&#160;(Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax %&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax %&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Profit or (-) loss before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;15,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,268&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Taxation at Spanish corporation tax rate 30%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,726&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,080&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Lower/higher effective tax rate from foreign entities &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;317&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Mexico &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(180)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(194)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Chile &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Colombia &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Peru &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;498&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;621&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;USA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Revenues with lower tax rate (dividends/capital gains)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity accounted earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other effects &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Calculated by applying the difference between the tax rate in force in Spain and the one applied to the Group&#x2019;s earnings in each jurisdiction.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Regarding 2024, it shows the net impact of several tax effects that include, among others, (i) the accounting record of the impact associated with the declaration of unconstitutionality of certain measures relating to the Spanish Corporate Income Tax introduced by Royal Decree-Law 3/2016, as well as the impact of some of the measures introduced by Law 7/2024 on Corporate Income Tax that, in particular, are aimed at reinstating the measures declared unconstitutional, (ii) the non-deductibility of the temporary taxation of credit institutions recorded for accounting purposes in the year 2024 (see Note 19.6), and (iii) the effects of the limitation of the exemption on intra-group dividends and the withholding taxes associated with them.&lt;/span&gt;&lt;/div&gt;</bbva:ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock>
    <bbva:AmountOfReconciliation contextRef="c-3058" decimals="-6" id="f-7934" unitRef="eur">15405000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3059" decimals="-6" id="f-7935" unitRef="eur">12419000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3060" decimals="-6" id="f-7936" unitRef="eur">10268000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3061" decimals="-6" id="f-7937" unitRef="eur">15405000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3062" decimals="-6" id="f-7938" unitRef="eur">12419000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3063" decimals="-6" id="f-7939" unitRef="eur">10268000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3064" decimals="-6" id="f-7940" unitRef="eur">0</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3065" decimals="-6" id="f-7941" unitRef="eur">0</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3066" decimals="-6" id="f-7942" unitRef="eur">0</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3067" decimals="-6" id="f-7943" unitRef="eur">4622000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3068" decimals="-6" id="f-7944" unitRef="eur">3726000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3069" decimals="-6" id="f-7945" unitRef="eur">3080000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3070" decimals="-6" id="f-7946" unitRef="eur">193000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3071" decimals="-6" id="f-7947" unitRef="eur">2000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3072" decimals="-6" id="f-7948" unitRef="eur">317000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3073" decimals="-6" id="f-7949" unitRef="eur">-180000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3073"
      decimals="2"
      id="f-7950"
      unitRef="number">0.28</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3074" decimals="-6" id="f-7951" unitRef="eur">-194000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3074"
      decimals="2"
      id="f-7952"
      unitRef="number">0.27</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3075" decimals="-6" id="f-7953" unitRef="eur">-203000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3075"
      decimals="2"
      id="f-7954"
      unitRef="number">0.26</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3076" decimals="-6" id="f-7955" unitRef="eur">-2000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3076"
      decimals="2"
      id="f-7956"
      unitRef="number">0.23</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3077" decimals="-6" id="f-7957" unitRef="eur">-4000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3077"
      decimals="2"
      id="f-7958"
      unitRef="number">0.11</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3078" decimals="-6" id="f-7959" unitRef="eur">-8000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3078"
      decimals="2"
      id="f-7960"
      unitRef="number">0.13</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3079" decimals="-6" id="f-7961" unitRef="eur">-1000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3079"
      decimals="2"
      id="f-7962"
      unitRef="number">0.29</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3080" decimals="-6" id="f-7963" unitRef="eur">-25000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3080"
      decimals="2"
      id="f-7964"
      unitRef="number">0.14</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3081" decimals="-6" id="f-7965" unitRef="eur">24000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3081"
      decimals="2"
      id="f-7966"
      unitRef="number">0.37</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3082" decimals="-6" id="f-7967" unitRef="eur">-44000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3082"
      decimals="2"
      id="f-7968"
      unitRef="number">0.23</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3083" decimals="-6" id="f-7969" unitRef="eur">-55000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3083"
      decimals="2"
      id="f-7970"
      unitRef="number">0.20</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3084" decimals="-6" id="f-7971" unitRef="eur">-16000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3084"
      decimals="2"
      id="f-7972"
      unitRef="number">0.27</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3085" decimals="-6" id="f-7973" unitRef="eur">498000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3085"
      decimals="2"
      id="f-7974"
      unitRef="number">0.62</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3086" decimals="-6" id="f-7975" unitRef="eur">314000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3086"
      decimals="2"
      id="f-7976"
      unitRef="number">0.57</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3087" decimals="-6" id="f-7977" unitRef="eur">621000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3087"
      decimals="2"
      id="f-7978"
      unitRef="number">0.70</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3088" decimals="-6" id="f-7979" unitRef="eur">-14000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3088"
      decimals="2"
      id="f-7980"
      unitRef="number">0.26</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3089" decimals="-6" id="f-7981" unitRef="eur">5000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3089"
      decimals="2"
      id="f-7982"
      unitRef="number">0.33</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3090" decimals="-6" id="f-7983" unitRef="eur">17000000</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxPercentageOnReconciliation
      contextRef="c-3090"
      decimals="2"
      id="f-7984"
      unitRef="number">0.17</bbva:EffectiveTaxPercentageOnReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3091" decimals="-6" id="f-7985" unitRef="eur">-64000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3092" decimals="-6" id="f-7986" unitRef="eur">-39000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3093" decimals="-6" id="f-7987" unitRef="eur">-118000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3094" decimals="-6" id="f-7988" unitRef="eur">-44000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3095" decimals="-6" id="f-7989" unitRef="eur">-26000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3096" decimals="-6" id="f-7990" unitRef="eur">-25000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3097" decimals="-6" id="f-7991" unitRef="eur">-14000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3098" decimals="-6" id="f-7992" unitRef="eur">-8000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3099" decimals="-6" id="f-7993" unitRef="eur">-6000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3100" decimals="-6" id="f-7994" unitRef="eur">73000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3101" decimals="-6" id="f-7995" unitRef="eur">309000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3102" decimals="-6" id="f-7996" unitRef="eur">139000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3103" decimals="-6" id="f-7997" unitRef="eur">4830000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3104" decimals="-6" id="f-7998" unitRef="eur">4003000000</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3105" decimals="-6" id="f-7999" unitRef="eur">3505000000</bbva:AmountOfReconciliation>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-1" decimals="-6" id="f-8000" unitRef="eur">4830000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-22" decimals="-6" id="f-8001" unitRef="eur">4003000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-23" decimals="-6" id="f-8002" unitRef="eur">3505000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <bbva:AmountOfReconciliation contextRef="c-3106" decimals="-6" id="f-8003" unitRef="eur">0</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3107" decimals="-6" id="f-8004" unitRef="eur">0</bbva:AmountOfReconciliation>
    <bbva:AmountOfReconciliation contextRef="c-3108" decimals="-6" id="f-8005" unitRef="eur">0</bbva:AmountOfReconciliation>
    <bbva:EffectiveTaxRateTableTextBlock contextRef="c-1" id="f-8006">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The effective income tax rate for the Group in the years ended December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.769%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax rate (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Income from:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Consolidated tax group in Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,601&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,206&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other Spanish entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(462)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,812&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,524&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gains (losses) before taxes from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,419&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,268&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tax expense or income related to profit or loss from continuing operations &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,505&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Effective tax rate&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31.4&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;32.2&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34.1&lt;/span&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) In 2024, &#x20ac;3,970 million and &#x20ac;860 million corresponded to current tax expenses and deferred tax expenses, respectively.&lt;/span&gt;&lt;/div&gt;</bbva:EffectiveTaxRateTableTextBlock>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-3109" decimals="-6" id="f-8007" unitRef="eur">4810000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-3110" decimals="-6" id="f-8008" unitRef="eur">2601000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-3111" decimals="-6" id="f-8009" unitRef="eur">2206000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-3112" decimals="-6" id="f-8010" unitRef="eur">-41000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-3113" decimals="-6" id="f-8011" unitRef="eur">6000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-3114" decimals="-6" id="f-8012" unitRef="eur">-462000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-3115" decimals="-6" id="f-8013" unitRef="eur">10636000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-3116" decimals="-6" id="f-8014" unitRef="eur">9812000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-3117" decimals="-6" id="f-8015" unitRef="eur">8524000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-1" decimals="-6" id="f-8016" unitRef="eur">15405000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-22" decimals="-6" id="f-8017" unitRef="eur">12419000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-23" decimals="-6" id="f-8018" unitRef="eur">10268000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-1" decimals="-6" id="f-8019" unitRef="eur">4830000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-22" decimals="-6" id="f-8020" unitRef="eur">4003000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-23" decimals="-6" id="f-8021" unitRef="eur">3505000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <bbva:PercentageEffectiveTaxRate contextRef="c-1" decimals="3" id="f-8022" unitRef="number">0.314</bbva:PercentageEffectiveTaxRate>
    <bbva:PercentageEffectiveTaxRate contextRef="c-22" decimals="3" id="f-8023" unitRef="number">0.322</bbva:PercentageEffectiveTaxRate>
    <bbva:PercentageEffectiveTaxRate contextRef="c-23" decimals="3" id="f-8024" unitRef="number">0.341</bbva:PercentageEffectiveTaxRate>
    <bbva:TaxAssetsAndLiabilitiesTableTextBlock contextRef="c-1" id="f-8025">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Tax liabilities&#x201d; heading includes the balances payable in respect of the Group&#x2019;s various current and deferred tax liabilities. The details of the mentioned tax assets and liabilities are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tax assets and liabilities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current tax assets &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,295&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,978&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deferred tax assets &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,747&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;422&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,335&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,069&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,478&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loss allowances &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,127&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,834&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,495&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,261&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Secured tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,979&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;8,534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;8,689&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Tax losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;853&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;999&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,063&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;18,650&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;17,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,725&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current tax liabilities &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;575&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,415&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deferred tax liabilities&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,520&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;761&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;557&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,033&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,554&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,935&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In 2024, the increase in current tax assets corresponds mainly to a higher tax receivable of the tax group in Spain, as well as in Mexico and Colombia, in relation to the Corporate Income Tax for the year 2024 related to the installment payments made in the year. On the other hand, the decrease in current tax liabilities corresponds mainly to the decrease in the tax payable in Mexico and Argentina in relation to the estimated income tax for the year 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:TaxAssetsAndLiabilitiesTableTextBlock>
    <ifrs-full:CurrentTaxAssets contextRef="c-13" decimals="-6" id="f-8026" unitRef="eur">4295000000</ifrs-full:CurrentTaxAssets>
    <ifrs-full:CurrentTaxAssets contextRef="c-20" decimals="-6" id="f-8027" unitRef="eur">2860000000</ifrs-full:CurrentTaxAssets>
    <ifrs-full:CurrentTaxAssets contextRef="c-21" decimals="-6" id="f-8028" unitRef="eur">1978000000</ifrs-full:CurrentTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-13" decimals="-6" id="f-8029" unitRef="eur">14354000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-20" decimals="-6" id="f-8030" unitRef="eur">14641000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-21" decimals="-6" id="f-8031" unitRef="eur">14747000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3118" decimals="-6" id="f-8032" unitRef="eur">534000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3119" decimals="-6" id="f-8033" unitRef="eur">445000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3120" decimals="-6" id="f-8034" unitRef="eur">422000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3121" decimals="-6" id="f-8035" unitRef="eur">1335000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3122" decimals="-6" id="f-8036" unitRef="eur">1069000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3123" decimals="-6" id="f-8037" unitRef="eur">1478000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3124" decimals="-6" id="f-8038" unitRef="eur">2158000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3125" decimals="-6" id="f-8039" unitRef="eur">2127000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3126" decimals="-6" id="f-8040" unitRef="eur">1834000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3127" decimals="-6" id="f-8041" unitRef="eur">1495000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3128" decimals="-6" id="f-8042" unitRef="eur">1467000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3129" decimals="-6" id="f-8043" unitRef="eur">1261000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3130" decimals="-6" id="f-8044" unitRef="eur">7979000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3131" decimals="-6" id="f-8045" unitRef="eur">8534000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3132" decimals="-6" id="f-8046" unitRef="eur">8689000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3133" decimals="-6" id="f-8047" unitRef="eur">853000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3134" decimals="-6" id="f-8048" unitRef="eur">999000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-3135" decimals="-6" id="f-8049" unitRef="eur">1063000000</ifrs-full:DeferredTaxAssets>
    <bbva:TaxAssets contextRef="c-13" decimals="-6" id="f-8050" unitRef="eur">18650000000</bbva:TaxAssets>
    <bbva:TaxAssets contextRef="c-20" decimals="-6" id="f-8051" unitRef="eur">17501000000</bbva:TaxAssets>
    <bbva:TaxAssets contextRef="c-21" decimals="-6" id="f-8052" unitRef="eur">16725000000</bbva:TaxAssets>
    <ifrs-full:CurrentTaxLiabilities contextRef="c-13" decimals="-6" id="f-8053" unitRef="eur">575000000</ifrs-full:CurrentTaxLiabilities>
    <ifrs-full:CurrentTaxLiabilities contextRef="c-20" decimals="-6" id="f-8054" unitRef="eur">878000000</ifrs-full:CurrentTaxLiabilities>
    <ifrs-full:CurrentTaxLiabilities contextRef="c-21" decimals="-6" id="f-8055" unitRef="eur">1415000000</ifrs-full:CurrentTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-13" decimals="-6" id="f-8056" unitRef="eur">2458000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-20" decimals="-6" id="f-8057" unitRef="eur">1677000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-21" decimals="-6" id="f-8058" unitRef="eur">1520000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-3121" decimals="-6" id="f-8059" unitRef="eur">915000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-3122" decimals="-6" id="f-8060" unitRef="eur">761000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-3123" decimals="-6" id="f-8061" unitRef="eur">557000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-3127" decimals="-6" id="f-8062" unitRef="eur">1543000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-3128" decimals="-6" id="f-8063" unitRef="eur">916000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-3129" decimals="-6" id="f-8064" unitRef="eur">963000000</ifrs-full:DeferredTaxLiabilities>
    <bbva:TaxLiabilities contextRef="c-13" decimals="-6" id="f-8065" unitRef="eur">3033000000</bbva:TaxLiabilities>
    <bbva:TaxLiabilities contextRef="c-20" decimals="-6" id="f-8066" unitRef="eur">2554000000</bbva:TaxLiabilities>
    <bbva:TaxLiabilities contextRef="c-21" decimals="-6" id="f-8067" unitRef="eur">2935000000</bbva:TaxLiabilities>
    <bbva:DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock contextRef="c-1" id="f-8068">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The most significant variations of the deferred tax assets and liabilities in the years 2024, 2023 and 2022 were derived from the following items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.260%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred tax assets and liabilities. Annual variations (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred assets&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,917&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,769&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financials instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;266&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;70&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(567)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loss allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;206&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;318&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Secured tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(555)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(155)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(615)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tax losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(146)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,354&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,458&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,641&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,677&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,747&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,520&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock>
    <ifrs-full:DeferredTaxAssets contextRef="c-20" decimals="-6" id="f-8069" unitRef="eur">14641000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-20" decimals="-6" id="f-8070" unitRef="eur">1677000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxAssets contextRef="c-21" decimals="-6" id="f-8071" unitRef="eur">14747000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-21" decimals="-6" id="f-8072" unitRef="eur">1520000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxAssets contextRef="c-173" decimals="-6" id="f-8073" unitRef="eur">14917000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-173" decimals="-6" id="f-8074" unitRef="eur">1769000000</ifrs-full:DeferredTaxLiabilities>
    <bbva:DeferredTaxPensions contextRef="c-3136" decimals="-6" id="f-8075" unitRef="eur">89000000</bbva:DeferredTaxPensions>
    <bbva:DeferredTaxPensions contextRef="c-3137" decimals="-6" id="f-8076" unitRef="eur">0</bbva:DeferredTaxPensions>
    <bbva:DeferredTaxPensions contextRef="c-3138" decimals="-6" id="f-8077" unitRef="eur">23000000</bbva:DeferredTaxPensions>
    <bbva:DeferredTaxPensions contextRef="c-3139" decimals="-6" id="f-8078" unitRef="eur">0</bbva:DeferredTaxPensions>
    <bbva:DeferredTaxPensions contextRef="c-3140" decimals="-6" id="f-8079" unitRef="eur">6000000</bbva:DeferredTaxPensions>
    <bbva:DeferredTaxPensions contextRef="c-3141" decimals="-6" id="f-8080" unitRef="eur">0</bbva:DeferredTaxPensions>
    <bbva:DeferredTaxFinancialsInstruments contextRef="c-3136" decimals="-6" id="f-8081" unitRef="eur">266000000</bbva:DeferredTaxFinancialsInstruments>
    <bbva:DeferredTaxFinancialsInstruments contextRef="c-3137" decimals="-6" id="f-8082" unitRef="eur">154000000</bbva:DeferredTaxFinancialsInstruments>
    <bbva:DeferredTaxFinancialsInstruments contextRef="c-3138" decimals="-6" id="f-8083" unitRef="eur">-409000000</bbva:DeferredTaxFinancialsInstruments>
    <bbva:DeferredTaxFinancialsInstruments contextRef="c-3139" decimals="-6" id="f-8084" unitRef="eur">204000000</bbva:DeferredTaxFinancialsInstruments>
    <bbva:DeferredTaxFinancialsInstruments contextRef="c-3140" decimals="-6" id="f-8085" unitRef="eur">70000000</bbva:DeferredTaxFinancialsInstruments>
    <bbva:DeferredTaxFinancialsInstruments contextRef="c-3141" decimals="-6" id="f-8086" unitRef="eur">-567000000</bbva:DeferredTaxFinancialsInstruments>
    <bbva:DeferredTaxLossAllowances contextRef="c-3136" decimals="-6" id="f-8087" unitRef="eur">31000000</bbva:DeferredTaxLossAllowances>
    <bbva:DeferredTaxLossAllowances contextRef="c-3137" decimals="-6" id="f-8088" unitRef="eur">0</bbva:DeferredTaxLossAllowances>
    <bbva:DeferredTaxLossAllowances contextRef="c-3138" decimals="-6" id="f-8089" unitRef="eur">293000000</bbva:DeferredTaxLossAllowances>
    <bbva:DeferredTaxLossAllowances contextRef="c-3139" decimals="-6" id="f-8090" unitRef="eur">0</bbva:DeferredTaxLossAllowances>
    <bbva:DeferredTaxLossAllowances contextRef="c-3140" decimals="-6" id="f-8091" unitRef="eur">158000000</bbva:DeferredTaxLossAllowances>
    <bbva:DeferredTaxLossAllowances contextRef="c-3141" decimals="-6" id="f-8092" unitRef="eur">0</bbva:DeferredTaxLossAllowances>
    <bbva:DeferredTaxOthers contextRef="c-3136" decimals="-6" id="f-8093" unitRef="eur">28000000</bbva:DeferredTaxOthers>
    <bbva:DeferredTaxOthers contextRef="c-3137" decimals="-6" id="f-8094" unitRef="eur">627000000</bbva:DeferredTaxOthers>
    <bbva:DeferredTaxOthers contextRef="c-3138" decimals="-6" id="f-8095" unitRef="eur">206000000</bbva:DeferredTaxOthers>
    <bbva:DeferredTaxOthers contextRef="c-3139" decimals="-6" id="f-8096" unitRef="eur">-47000000</bbva:DeferredTaxOthers>
    <bbva:DeferredTaxOthers contextRef="c-3140" decimals="-6" id="f-8097" unitRef="eur">160000000</bbva:DeferredTaxOthers>
    <bbva:DeferredTaxOthers contextRef="c-3141" decimals="-6" id="f-8098" unitRef="eur">318000000</bbva:DeferredTaxOthers>
    <bbva:DeferredTaxGuaranteedTaxAssets contextRef="c-3136" decimals="-6" id="f-8099" unitRef="eur">-555000000</bbva:DeferredTaxGuaranteedTaxAssets>
    <bbva:DeferredTaxGuaranteedTaxAssets contextRef="c-3137" decimals="-6" id="f-8100" unitRef="eur">0</bbva:DeferredTaxGuaranteedTaxAssets>
    <bbva:DeferredTaxGuaranteedTaxAssets contextRef="c-3138" decimals="-6" id="f-8101" unitRef="eur">-155000000</bbva:DeferredTaxGuaranteedTaxAssets>
    <bbva:DeferredTaxGuaranteedTaxAssets contextRef="c-3139" decimals="-6" id="f-8102" unitRef="eur">0</bbva:DeferredTaxGuaranteedTaxAssets>
    <bbva:DeferredTaxGuaranteedTaxAssets contextRef="c-3140" decimals="-6" id="f-8103" unitRef="eur">-615000000</bbva:DeferredTaxGuaranteedTaxAssets>
    <bbva:DeferredTaxGuaranteedTaxAssets contextRef="c-3141" decimals="-6" id="f-8104" unitRef="eur">0</bbva:DeferredTaxGuaranteedTaxAssets>
    <bbva:DeferredTaxTaxLosses contextRef="c-3136" decimals="-6" id="f-8105" unitRef="eur">-146000000</bbva:DeferredTaxTaxLosses>
    <bbva:DeferredTaxTaxLosses contextRef="c-3137" decimals="-6" id="f-8106" unitRef="eur">0</bbva:DeferredTaxTaxLosses>
    <bbva:DeferredTaxTaxLosses contextRef="c-3138" decimals="-6" id="f-8107" unitRef="eur">-64000000</bbva:DeferredTaxTaxLosses>
    <bbva:DeferredTaxTaxLosses contextRef="c-3139" decimals="-6" id="f-8108" unitRef="eur">0</bbva:DeferredTaxTaxLosses>
    <bbva:DeferredTaxTaxLosses contextRef="c-3140" decimals="-6" id="f-8109" unitRef="eur">51000000</bbva:DeferredTaxTaxLosses>
    <bbva:DeferredTaxTaxLosses contextRef="c-3141" decimals="-6" id="f-8110" unitRef="eur">0</bbva:DeferredTaxTaxLosses>
    <ifrs-full:DeferredTaxAssets contextRef="c-13" decimals="-6" id="f-8111" unitRef="eur">14354000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-13" decimals="-6" id="f-8112" unitRef="eur">2458000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxAssets contextRef="c-20" decimals="-6" id="f-8113" unitRef="eur">14641000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-20" decimals="-6" id="f-8114" unitRef="eur">1677000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxAssets contextRef="c-21" decimals="-6" id="f-8115" unitRef="eur">14747000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-21" decimals="-6" id="f-8116" unitRef="eur">1520000000</ifrs-full:DeferredTaxLiabilities>
    <bbva:SecuredTaxAssetsTableTextBlock contextRef="c-1" id="f-8117">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With respect to the deferred tax assets shown above, the table below shows the amounts guaranteed by the Spanish government, broken down by the items that originated the relevant assets:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.665%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.311%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.311%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.313%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Secured tax assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,622&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loss allowances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,357&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,067&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,979&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,534&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,689&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:SecuredTaxAssetsTableTextBlock>
    <bbva:SecuredPensionsTaxAssets contextRef="c-13" decimals="-6" id="f-8118" unitRef="eur">1622000000</bbva:SecuredPensionsTaxAssets>
    <bbva:SecuredPensionsTaxAssets contextRef="c-20" decimals="-6" id="f-8119" unitRef="eur">1622000000</bbva:SecuredPensionsTaxAssets>
    <bbva:SecuredPensionsTaxAssets contextRef="c-21" decimals="-6" id="f-8120" unitRef="eur">1622000000</bbva:SecuredPensionsTaxAssets>
    <bbva:SecuredLossAllowancesTaxAssets contextRef="c-13" decimals="-6" id="f-8121" unitRef="eur">6357000000</bbva:SecuredLossAllowancesTaxAssets>
    <bbva:SecuredLossAllowancesTaxAssets contextRef="c-20" decimals="-6" id="f-8122" unitRef="eur">6912000000</bbva:SecuredLossAllowancesTaxAssets>
    <bbva:SecuredLossAllowancesTaxAssets contextRef="c-21" decimals="-6" id="f-8123" unitRef="eur">7067000000</bbva:SecuredLossAllowancesTaxAssets>
    <bbva:TotalSecuredTaxAssets contextRef="c-13" decimals="-6" id="f-8124" unitRef="eur">7979000000</bbva:TotalSecuredTaxAssets>
    <bbva:TotalSecuredTaxAssets contextRef="c-20" decimals="-6" id="f-8125" unitRef="eur">8534000000</bbva:TotalSecuredTaxAssets>
    <bbva:TotalSecuredTaxAssets contextRef="c-21" decimals="-6" id="f-8126" unitRef="eur">8689000000</bbva:TotalSecuredTaxAssets>
    <bbva:DisclosureOfOtherAssetsAndLiabilitiesTextBlock contextRef="c-1" id="f-8127">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Other assets and liabilities &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balances of these headings of the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.649%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.985%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other assets and liabilities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Inventories &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;276&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;325&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transactions in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Accruals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,461&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,881&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,174&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;706&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,525&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,859&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,586&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transactions in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Accruals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,595&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other items&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,997&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,466&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,269&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,909&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;(2) The variation in 2024 corresponds mainly to the acquisition of land plots from the Group's real estate company Crea Madrid Nuevo Norte, S.A. in relation to an urban planning operation in Madrid.</bbva:DisclosureOfOtherAssetsAndLiabilitiesTextBlock>
    <bbva:OtherAssetsAndLiabilitiesTableTextBlock contextRef="c-1" id="f-8128">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balances of these headings of the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.649%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.985%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other assets and liabilities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Inventories &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;276&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;325&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transactions in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;93&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Accruals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,461&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,881&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,174&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;706&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,525&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,859&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,586&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transactions in progress&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Accruals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,595&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other items&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,997&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,466&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,269&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,909&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;(2) The variation in 2024 corresponds mainly to the acquisition of land plots from the Group's real estate company Crea Madrid Nuevo Norte, S.A. in relation to an urban planning operation in Madrid.</bbva:OtherAssetsAndLiabilitiesTableTextBlock>
    <ifrs-full:InventoriesTotal contextRef="c-13" decimals="-6" id="f-8129" unitRef="eur">1299000000</ifrs-full:InventoriesTotal>
    <ifrs-full:InventoriesTotal contextRef="c-20" decimals="-6" id="f-8130" unitRef="eur">276000000</ifrs-full:InventoriesTotal>
    <ifrs-full:InventoriesTotal contextRef="c-21" decimals="-6" id="f-8131" unitRef="eur">325000000</ifrs-full:InventoriesTotal>
    <ifrs-full:ItemsInCourseOfCollectionFromOtherBanks contextRef="c-13" decimals="-6" id="f-8132" unitRef="eur">482000000</ifrs-full:ItemsInCourseOfCollectionFromOtherBanks>
    <ifrs-full:ItemsInCourseOfCollectionFromOtherBanks contextRef="c-20" decimals="-6" id="f-8133" unitRef="eur">41000000</ifrs-full:ItemsInCourseOfCollectionFromOtherBanks>
    <ifrs-full:ItemsInCourseOfCollectionFromOtherBanks contextRef="c-21" decimals="-6" id="f-8134" unitRef="eur">93000000</ifrs-full:ItemsInCourseOfCollectionFromOtherBanks>
    <bbva:OtherAssetsAccruals contextRef="c-13" decimals="-6" id="f-8135" unitRef="eur">1862000000</bbva:OtherAssetsAccruals>
    <bbva:OtherAssetsAccruals contextRef="c-20" decimals="-6" id="f-8136" unitRef="eur">1368000000</bbva:OtherAssetsAccruals>
    <bbva:OtherAssetsAccruals contextRef="c-21" decimals="-6" id="f-8137" unitRef="eur">1461000000</bbva:OtherAssetsAccruals>
    <bbva:OtherAssetsOtherItems contextRef="c-13" decimals="-6" id="f-8138" unitRef="eur">1881000000</bbva:OtherAssetsOtherItems>
    <bbva:OtherAssetsOtherItems contextRef="c-20" decimals="-6" id="f-8139" unitRef="eur">1174000000</bbva:OtherAssetsOtherItems>
    <bbva:OtherAssetsOtherItems contextRef="c-21" decimals="-6" id="f-8140" unitRef="eur">706000000</bbva:OtherAssetsOtherItems>
    <ifrs-full:OtherAssets contextRef="c-13" decimals="-6" id="f-8141" unitRef="eur">5525000000</ifrs-full:OtherAssets>
    <ifrs-full:OtherAssets contextRef="c-20" decimals="-6" id="f-8142" unitRef="eur">2859000000</ifrs-full:OtherAssets>
    <ifrs-full:OtherAssets contextRef="c-21" decimals="-6" id="f-8143" unitRef="eur">2586000000</ifrs-full:OtherAssets>
    <bbva:OtherLiabilitiesTransactionsInProgress contextRef="c-13" decimals="-6" id="f-8144" unitRef="eur">306000000</bbva:OtherLiabilitiesTransactionsInProgress>
    <bbva:OtherLiabilitiesTransactionsInProgress contextRef="c-20" decimals="-6" id="f-8145" unitRef="eur">133000000</bbva:OtherLiabilitiesTransactionsInProgress>
    <bbva:OtherLiabilitiesTransactionsInProgress contextRef="c-21" decimals="-6" id="f-8146" unitRef="eur">44000000</bbva:OtherLiabilitiesTransactionsInProgress>
    <bbva:OtherLiabilitiesAccruals contextRef="c-13" decimals="-6" id="f-8147" unitRef="eur">3066000000</bbva:OtherLiabilitiesAccruals>
    <bbva:OtherLiabilitiesAccruals contextRef="c-20" decimals="-6" id="f-8148" unitRef="eur">2878000000</bbva:OtherLiabilitiesAccruals>
    <bbva:OtherLiabilitiesAccruals contextRef="c-21" decimals="-6" id="f-8149" unitRef="eur">2595000000</bbva:OtherLiabilitiesAccruals>
    <bbva:OtherItemsLiabilities contextRef="c-13" decimals="-6" id="f-8150" unitRef="eur">1997000000</bbva:OtherItemsLiabilities>
    <bbva:OtherItemsLiabilities contextRef="c-20" decimals="-6" id="f-8151" unitRef="eur">2466000000</bbva:OtherItemsLiabilities>
    <bbva:OtherItemsLiabilities contextRef="c-21" decimals="-6" id="f-8152" unitRef="eur">2269000000</bbva:OtherItemsLiabilities>
    <ifrs-full:OtherLiabilities contextRef="c-13" decimals="-6" id="f-8153" unitRef="eur">5370000000</ifrs-full:OtherLiabilities>
    <ifrs-full:OtherLiabilities contextRef="c-20" decimals="-6" id="f-8154" unitRef="eur">5477000000</ifrs-full:OtherLiabilities>
    <ifrs-full:OtherLiabilities contextRef="c-21" decimals="-6" id="f-8155" unitRef="eur">4909000000</ifrs-full:OtherLiabilities>
    <bbva:DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock contextRef="c-1" id="f-8156">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The composition of the balances under the headings &#x201c;Non-current assets and disposal groups classified as held for sale&#x201d; and &#x201c;Liabilities included in disposal groups classified as held for sale&#x201d; in the consolidated balance sheets, broken down by the origin of the assets, is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;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)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreclosures and recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;847&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,070&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other assets from tangible assets &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,063&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Accrued amortization &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(93)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment losses&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(645)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,005)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,057)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total  &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;828&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;923&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total  &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) The variation in 2024 is mainly due to sales of properties by the companies Tree Investments Inmobiliarias, SOCIMI, SA and Banco Bilbao Vizcaya Argentaria, S.A. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Corresponds to the accumulated depreciation of assets before their classification as "Non-current assets and disposal groups classified as held for sale".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%"&gt;Non-current assets and disposal groups classified as held for sale&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The changes in the balances of &#x201c;Non-current assets and disposal groups classified as held for sale&#x201d; in 2024, 2023 and 2022, are as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.785%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-current assets and disposal groups classified as held for sale (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Foreclosed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Property, Plant and Equipment&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Companies held for sale &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Cost (a)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,070&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;452&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,928&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,711&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;283&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;192&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Contributions from merger transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Retirements (sales and other decreases)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(338)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(323)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(353)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(446)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(110)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(784)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(465)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Transfers, other movements and exchange differences&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;57&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Disposals by companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;847&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,070&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;572&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,473&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,928&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2,078&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Impairment (b)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;381&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;706&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,057&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;650&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Contributions from merger transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Retirements (sales and other decreases)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(102)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(352)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(443)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Other movements and exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;320&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;333&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Disposals by companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;409&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;706&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;645&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,057&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the end of net carrying value (a)-(b)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;610&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;644&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;714&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;163&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;269&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;828&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;923&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Net of accumulated amortization until assets were reclassified as &#x201c;Non-current assets and disposal groups classified as held for sale&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;As indicated in Note 2.2.6, &#x201c;Non-current assets and disposal groups held for sale&#x201d; and &#x201c;Liabilities included in disposal groups classified as held for sale&#x201d; are valued at the lower amount between its fair value less costs to sell and its carrying amount. As of December 31, 2024, 2023 and 2022 practically all of the carrying amount of the assets recorded at fair value on a non-recurring basis equals their fair value.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%"&gt;Assets from foreclosures or recoveries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;As of December 31, 2024, 2023 and 2022, assets from foreclosures and recoveries, net of impairment losses, by nature of the asset, amounted to &#x20ac;404 million, &#x20ac;460 million and &#x20ac;478 million in assets for residential use; &#x20ac;169 million, &#x20ac;154 million and &#x20ac;199 million in assets for tertiary use (industrial, commercial or office) and &#x20ac;31 million, &#x20ac;26 million and &#x20ac;34 million in assets for agricultural use, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;As of December 31, 2024, 2023 and 2022, the average sale time of assets from foreclosures or recoveries was between 2 and 3 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;During the years 2024, 2023 and 2022, 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 &#x20ac;12 million, &#x20ac;22 million and &#x20ac;43 million, respectively; with an average financing of 69% of the sales price during 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;As of December 31, 2024, 2023 and 2022, 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.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock>
    <bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock contextRef="c-1" id="f-8157">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The composition of the balances under the headings &#x201c;Non-current assets and disposal groups classified as held for sale&#x201d; and &#x201c;Liabilities included in disposal groups classified as held for sale&#x201d; in the consolidated balance sheets, broken down by the origin of the assets, is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;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)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreclosures and recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;847&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,070&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other assets from tangible assets &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,063&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Accrued amortization &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(93)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment losses&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(645)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,005)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,057)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total  &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;828&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;923&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Companies held for sale&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total  &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) The variation in 2024 is mainly due to sales of properties by the companies Tree Investments Inmobiliarias, SOCIMI, SA and Banco Bilbao Vizcaya Argentaria, S.A. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Corresponds to the accumulated depreciation of assets before their classification as "Non-current assets and disposal groups classified as held for sale".&lt;/span&gt;&lt;/div&gt;</bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3142" decimals="-6" id="f-8158" unitRef="eur">847000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3143" decimals="-6" id="f-8159" unitRef="eur">943000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3144" decimals="-6" id="f-8160" unitRef="eur">1070000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3145" decimals="-6" id="f-8161" unitRef="eur">618000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3146" decimals="-6" id="f-8162" unitRef="eur">1026000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3147" decimals="-6" id="f-8163" unitRef="eur">1063000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3148" decimals="-6" id="f-8164" unitRef="eur">55000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3149" decimals="-6" id="f-8165" unitRef="eur">43000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3150" decimals="-6" id="f-8166" unitRef="eur">40000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3151" decimals="-6" id="f-8167" unitRef="eur">46000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3152" decimals="-6" id="f-8168" unitRef="eur">84000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3153" decimals="-6" id="f-8169" unitRef="eur">93000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3154" decimals="-6" id="f-8170" unitRef="eur">645000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3155" decimals="-6" id="f-8171" unitRef="eur">1005000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3156" decimals="-6" id="f-8172" unitRef="eur">1057000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-13" decimals="-6" id="f-8173" unitRef="eur">828000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-20" decimals="-6" id="f-8174" unitRef="eur">923000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-21" decimals="-6" id="f-8175" unitRef="eur">1022000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-3148" decimals="-6" id="f-8176" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-3149" decimals="-6" id="f-8177" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-3150" decimals="-6" id="f-8178" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-13" decimals="-6" id="f-8179" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-20" decimals="-6" id="f-8180" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-21" decimals="-6" id="f-8181" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock contextRef="c-1" id="f-8182">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The changes in the balances of &#x201c;Non-current assets and disposal groups classified as held for sale&#x201d; in 2024, 2023 and 2022, are as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.785%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="42" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Non-current assets and disposal groups classified as held for sale (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Foreclosed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Property, Plant and Equipment&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Companies held for sale &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Cost (a)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,070&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;452&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,928&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,711&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;283&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;192&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Contributions from merger transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Retirements (sales and other decreases)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(338)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(323)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(353)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(446)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(110)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(784)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(465)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Transfers, other movements and exchange differences&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;57&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Disposals by companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;847&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,070&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;572&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,473&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,928&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2,078&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Impairment (b)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;381&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;706&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,057&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;650&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Additions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Additions transfer to discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Contributions from merger transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Retirements (sales and other decreases)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(102)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(352)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(443)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Other movements and exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;320&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;333&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;Disposals by companies held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;409&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;706&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;645&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,057&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;Balance at the end of net carrying value (a)-(b)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;610&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;644&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;714&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;163&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;269&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;828&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;923&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;1,022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Net of accumulated amortization until assets were reclassified as &#x201c;Non-current assets and disposal groups classified as held for sale&#x201d;.&lt;/span&gt;&lt;/div&gt;</bbva:NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3157" decimals="-6" id="f-8183" unitRef="eur">943000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3158" decimals="-6" id="f-8184" unitRef="eur">1070000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3159" decimals="-6" id="f-8185" unitRef="eur">1218000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3160" decimals="-6" id="f-8186" unitRef="eur">943000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3161" decimals="-6" id="f-8187" unitRef="eur">970000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3162" decimals="-6" id="f-8188" unitRef="eur">452000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3163" decimals="-6" id="f-8189" unitRef="eur">43000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3164" decimals="-6" id="f-8190" unitRef="eur">39000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3165" decimals="-6" id="f-8191" unitRef="eur">41000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3166" decimals="-6" id="f-8192" unitRef="eur">1928000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3167" decimals="-6" id="f-8193" unitRef="eur">2078000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-3168" decimals="-6" id="f-8194" unitRef="eur">1711000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <bbva:Additions contextRef="c-3169" decimals="-6" id="f-8195" unitRef="eur">250000000</bbva:Additions>
    <bbva:Additions contextRef="c-3170" decimals="-6" id="f-8196" unitRef="eur">190000000</bbva:Additions>
    <bbva:Additions contextRef="c-3171" decimals="-6" id="f-8197" unitRef="eur">211000000</bbva:Additions>
    <bbva:Additions contextRef="c-3172" decimals="-6" id="f-8198" unitRef="eur">18000000</bbva:Additions>
    <bbva:Additions contextRef="c-3173" decimals="-6" id="f-8199" unitRef="eur">2000000</bbva:Additions>
    <bbva:Additions contextRef="c-3174" decimals="-6" id="f-8200" unitRef="eur">1000000</bbva:Additions>
    <bbva:Additions contextRef="c-3175" decimals="-6" id="f-8201" unitRef="eur">15000000</bbva:Additions>
    <bbva:Additions contextRef="c-3176" decimals="-6" id="f-8202" unitRef="eur">0</bbva:Additions>
    <bbva:Additions contextRef="c-3177" decimals="-6" id="f-8203" unitRef="eur">2000000</bbva:Additions>
    <bbva:Additions contextRef="c-3178" decimals="-6" id="f-8204" unitRef="eur">283000000</bbva:Additions>
    <bbva:Additions contextRef="c-3179" decimals="-6" id="f-8205" unitRef="eur">192000000</bbva:Additions>
    <bbva:Additions contextRef="c-3180" decimals="-6" id="f-8206" unitRef="eur">214000000</bbva:Additions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3169" decimals="-6" id="f-8207" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3170" decimals="-6" id="f-8208" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3171" decimals="-6" id="f-8209" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3172" decimals="-6" id="f-8210" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3173" decimals="-6" id="f-8211" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3174" decimals="-6" id="f-8212" unitRef="eur">592000000</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3175" decimals="-6" id="f-8213" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3176" decimals="-6" id="f-8214" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3177" decimals="-6" id="f-8215" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3178" decimals="-6" id="f-8216" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3179" decimals="-6" id="f-8217" unitRef="eur">0</bbva:ContributionsFromMergerTransactions>
    <bbva:ContributionsFromMergerTransactions contextRef="c-3180" decimals="-6" id="f-8218" unitRef="eur">592000000</bbva:ContributionsFromMergerTransactions>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3169" decimals="-6" id="f-8219" unitRef="eur">-338000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3170" decimals="-6" id="f-8220" unitRef="eur">-323000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3171" decimals="-6" id="f-8221" unitRef="eur">-353000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3172" decimals="-6" id="f-8222" unitRef="eur">-446000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3173" decimals="-6" id="f-8223" unitRef="eur">-34000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3174" decimals="-6" id="f-8224" unitRef="eur">-110000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3175" decimals="-6" id="f-8225" unitRef="eur">0</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3176" decimals="-6" id="f-8226" unitRef="eur">0</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3177" decimals="-6" id="f-8227" unitRef="eur">-2000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3178" decimals="-6" id="f-8228" unitRef="eur">-784000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3179" decimals="-6" id="f-8229" unitRef="eur">-357000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:RetirementsSalesAndOtherDecreases contextRef="c-3180" decimals="-6" id="f-8230" unitRef="eur">-465000000</bbva:RetirementsSalesAndOtherDecreases>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3169" decimals="-6" id="f-8231" unitRef="eur">-8000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3170" decimals="-6" id="f-8232" unitRef="eur">6000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3171" decimals="-6" id="f-8233" unitRef="eur">-6000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3172" decimals="-6" id="f-8234" unitRef="eur">57000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3173" decimals="-6" id="f-8235" unitRef="eur">5000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3174" decimals="-6" id="f-8236" unitRef="eur">35000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3175" decimals="-6" id="f-8237" unitRef="eur">-3000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3176" decimals="-6" id="f-8238" unitRef="eur">4000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3177" decimals="-6" id="f-8239" unitRef="eur">-2000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3178" decimals="-6" id="f-8240" unitRef="eur">46000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3179" decimals="-6" id="f-8241" unitRef="eur">15000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:TransfersOtherMovementsAndExchageDifferences contextRef="c-3180" decimals="-6" id="f-8242" unitRef="eur">27000000</bbva:TransfersOtherMovementsAndExchageDifferences>
    <bbva:DisposalsByCompaniesHeldForSale contextRef="c-3169" decimals="-6" id="f-8243" unitRef="eur">0</bbva:DisposalsByCompaniesHeldForSale>
    <bbva:DisposalsByCompaniesHeldForSale contextRef="c-3170" decimals="-6" id="f-8244" unitRef="eur">0</bbva:DisposalsByCompaniesHeldForSale>
    <bbva:DisposalsByCompaniesHeldForSale contextRef="c-3171" decimals="-6" id="f-8245" unitRef="eur">0</bbva:DisposalsByCompaniesHeldForSale>
    <bbva:DisposalsByCompaniesHeldForSale contextRef="c-3172" decimals="-6" id="f-8246" unitRef="eur">0</bbva:DisposalsByCompaniesHeldForSale>
    <bbva:DisposalsByCompaniesHeldForSale contextRef="c-3173" decimals="-6" id="f-8247" unitRef="eur">0</bbva:DisposalsByCompaniesHeldForSale>
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    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-20" decimals="-6" id="f-8373" unitRef="eur">923000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-21" decimals="-6" id="f-8374" unitRef="eur">1022000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <bbva:DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock contextRef="c-1" id="f-8375">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:15.99pt"&gt;Breakdown of the balance&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under these headings in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.986%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial liabilities measured at amortized cost (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;496,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;473,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;459,662&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,668&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,323&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;205&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Time deposits and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,203&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;33,534&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,947&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,584&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,406&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,935&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,434&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:22.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Time deposits and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;15,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,787&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,380&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,714&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 14.5pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;447,646&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;413,487&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;394,404&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;331,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;317,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;316,082&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:22.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Time deposits and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;106,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;91,740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;76,063&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,208&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,259&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;69,867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,081&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;584,339&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;557,589&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;529,172&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, all drawdowns of the TLTRO III program have been repaid. As of December 31, 2023 and 2022, the amount recorded in "Deposits from central banks - Time deposits and other" included the drawdowns of the TLTRO III facilities of the ECB, mainly by BBVA, S.A., amounting to &#x20ac;3,660 million and &#x20ac;26,711 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Deposits from credit institutions&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by geographical area and the nature of the related instruments of this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.188%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deposits from credit institutions (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Demand deposits &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Time deposits &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;and other &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;538&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,693&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;973&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;231&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,185&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,162&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,387&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,313&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,578&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,832&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,289&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,570&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,380&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34,406&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;899&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,585&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;789&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,431&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;535&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;587&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,659&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,011&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,742&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,097&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,681&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;20,539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;40,039&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,709&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;855&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,587&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;633&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;672&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,095&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,613&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,226&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,797&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,949&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,645&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,787&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,714&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26,935&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Subordinated deposits are included amounting to &#x20ac;48, &#x20ac;35 and &#x20ac;24 million as of December 31, 2024, 2023 and 2022, respectively.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Customer deposits&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by geographical area of this heading in the consolidated balance sheets, by type of instrument, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.924%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.924%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.924%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Customer deposits (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Time deposits &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;and other &#x207d;&#xb9;&#x207e; &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;186,489&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,474&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;215,464&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;70,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;987&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85,439&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,228&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,267&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32,443&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,675&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,613&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,095&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,878&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,922&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;331,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;106,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,208&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;447,646&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;179,825&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,952&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;197,780&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76,122&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,067&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92,828&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,423&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,485&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,331&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,239&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,349&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,237&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,863&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,257&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,231&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30,350&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,052&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;317,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;91,740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;413,487&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;188,803&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,937&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;202,742&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;78,217&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,254&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,118&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,587&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,224&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;880&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,774&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,737&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,228&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,965&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;316,082&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;76,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;394,404&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Subordinated deposits are included amounting to &#x20ac;8 million as of December 31, 2024. As of December 31, 2023 and 2022, no subordinated deposits were recorded under this heading.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Debt certificates &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading, by type of financial instrument and by currency, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt certificates issued (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In Euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;37,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;44,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;35,611&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Promissory bills and notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,079&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-convertible bonds and debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,788&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,979&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Covered bonds&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,825&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,734&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,665&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hybrid financial instruments &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;959&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securitization bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,201&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,501&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,395&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,289&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Convertible perpetual certificates&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,750&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,000&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other non-convertible subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,645&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,066&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,289&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In foreign currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;32,748&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;19,819&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Promissory bills and notes&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,962&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;336&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;351&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-convertible bonds and debentures&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,136&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,684&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,323&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Covered bonds&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hybrid financial instruments &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,327&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,722&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,724&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securitization bonds&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,067&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,479&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,161&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,766&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,196&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Convertible perpetual certificates&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,888&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,715&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,876&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other non-convertible subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,273&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,051&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,320&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;&#160;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;69,867&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"&gt;Subordinated liabilities&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Memorandum item: Subordinated liabilities at amortized cost (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Subordinated deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Subordinated certificates &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,832&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,485&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Compound convertible financial instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,876&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other non-convertible subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;13,918&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,609&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;19,612&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,867&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,509&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;The balance variances are mainly due to the following transactions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Perpetual Contingent Convertible Securities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 (CoCo), 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 &#x20ac;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Under that delegation, BBVA has made the following contingently convertible issuances that qualify as additional tier 1 capital of the Bank and the Group in accordance with Regulation (EU) 575/2013 throughout the financial years 2023 and 2024:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On June 21, 2023, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of &#x20ac;1 billion. This issuance is listed in the Global Exchange Market of Euronext Dublin and was targeted only at qualified investors, not being offered or sold to any retail clients.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On September 19, 2023, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of USD 1 billion. This issuance is listed on the New York Stock Exchange and was targeted only at qualified investors, not being offered or sold to any retail clients.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On June 13, 2024, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of &#x20ac;750 million. This issuance is listed in the Global Exchange Market of Euronext Dublin and was targeted only at qualified investors, not being offered or sold to any retail clients.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, on January 14, 2025, BBVA carried out an issuance of perpetual contingent convertible securities with exclusion of shareholders' pre-emptive subscription rights, for a total nominal amount of USD 1 billion. This issuance is listed on the New York Stock Exchange and was targeted only at qualified investors, not being offered or sold to any retail clients.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These perpetual securities issued, where appropriate, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 2022, 2023 and 2024 the Bank has early redeemed the following issues:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On May 24, 2022, the Bank early redeemed the contingently convertible preferred securities (which qualified as additional tier 1 instruments) issued by the Bank on May 24, 2017, for an amount of &#x20ac;500 million on the First Reset Date and once the prior consent from the Regulator was obtained. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On September 24, 2023, the Bank early redeemed the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on September 24, 2018, for an amount of &#x20ac;1 billion on the First Reset Date and once the prior consent from the Regulator was obtained.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On March 29, 2024, the Bank early redeemed the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on March 29, 2019, for an amount of &#x20ac;1 billion on the First Reset Date and once the prior consent from the Regulator was obtained.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, on January 28, 2025, the Bank announced its irrevocable decision to redeem in whole on March 5, 2025, the issuance of contingently convertible preferred securities (which qualified as additional tier 1 instruments) carried out by the Bank on September 5, 2019, for an amount of USD 1 billion on the First Reset Date and once the prior consent from the Regulator was obtained. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Convertible Securities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 (CoCo) 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 &#x20ac;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, limiting this power to the extent that the nominal amount of the capital increases agreed or executed in order to satisfy conversion of the issues carried out excluding the pre-emptive subscription right by virtue of this power (without prejudice to anti-dilution adjustments) and any agreed or executed in use of the power under the item 4 of the Agenda of the same General Meeting, described in Note 26, excluding the pre-emptive subscription right, do not exceed a maximum aggregated nominal amount of 10% of BBVA's share capital at the time the resolution was adopted.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of the date of preparation of these Consolidated Financial Statements, the Bank has not made use of the authority granted by the BBVA Annual General Shareholders' Meeting held on March 18, 2022.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Other financial liabilities&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other financial liabilities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Lease liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,507&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,398&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Creditors for other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,859&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,439&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,584&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Collection accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,693&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,426&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Creditors for other payment obligations &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,734&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,673&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,081&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A breakdown of the maturity of the lease liabilities, due after December 31, 2024 is provided below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.348%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.612%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maturity of future payment obligations (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Up to 1 year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3 to 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;768&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,467&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfFinancialLiabilitiesAtAmortisedCostTextBlock>
    <bbva:FinancialLiabilitiesAtAmortisedCostTableTextBlock contextRef="c-1" id="f-8376">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under these headings in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.986%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial liabilities measured at amortized cost (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;496,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;473,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;459,662&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,668&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,323&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;159&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;205&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Time deposits and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,369&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,203&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;33,534&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,947&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,584&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,406&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,935&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,434&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:22.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Time deposits and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;15,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;11,787&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;12,380&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20,539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3,714&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 14.5pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;447,646&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;413,487&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;394,404&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;331,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;317,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;316,082&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:22.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Time deposits and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;106,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;91,740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;76,063&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;9,208&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,259&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt certificates issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;69,867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,081&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;584,339&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;557,589&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;529,172&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:FinancialLiabilitiesAtAmortisedCostTableTextBlock>
    <bbva:TotalDepositsAtAmortisedCost contextRef="c-13" decimals="-6" id="f-8377" unitRef="eur">496720000000</bbva:TotalDepositsAtAmortisedCost>
    <bbva:TotalDepositsAtAmortisedCost contextRef="c-20" decimals="-6" id="f-8378" unitRef="eur">473835000000</bbva:TotalDepositsAtAmortisedCost>
    <bbva:TotalDepositsAtAmortisedCost contextRef="c-21" decimals="-6" id="f-8379" unitRef="eur">459662000000</bbva:TotalDepositsAtAmortisedCost>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-13" decimals="-6" id="f-8380" unitRef="eur">14668000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-20" decimals="-6" id="f-8381" unitRef="eur">20309000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-21" decimals="-6" id="f-8382" unitRef="eur">38323000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-3222" decimals="-6" id="f-8383" unitRef="eur">657000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-3223" decimals="-6" id="f-8384" unitRef="eur">159000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-3224" decimals="-6" id="f-8385" unitRef="eur">205000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-3225" decimals="-6" id="f-8386" unitRef="eur">6369000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-3226" decimals="-6" id="f-8387" unitRef="eur">12203000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-3227" decimals="-6" id="f-8388" unitRef="eur">33534000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-3228" decimals="-6" id="f-8389" unitRef="eur">7642000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-3229" decimals="-6" id="f-8390" unitRef="eur">7947000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:LiabilitiesDueToCentralBanks contextRef="c-3230" decimals="-6" id="f-8391" unitRef="eur">4584000000</ifrs-full:LiabilitiesDueToCentralBanks>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-13" decimals="-6" id="f-8392" unitRef="eur">34406000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-20" decimals="-6" id="f-8393" unitRef="eur">40039000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-21" decimals="-6" id="f-8394" unitRef="eur">26935000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3222" decimals="-6" id="f-8395" unitRef="eur">6977000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3223" decimals="-6" id="f-8396" unitRef="eur">6629000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3224" decimals="-6" id="f-8397" unitRef="eur">11434000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3225" decimals="-6" id="f-8398" unitRef="eur">15049000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3226" decimals="-6" id="f-8399" unitRef="eur">12871000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3227" decimals="-6" id="f-8400" unitRef="eur">11787000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3228" decimals="-6" id="f-8401" unitRef="eur">12380000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3229" decimals="-6" id="f-8402" unitRef="eur">20539000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3230" decimals="-6" id="f-8403" unitRef="eur">3714000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-13" decimals="-6" id="f-8404" unitRef="eur">447646000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-20" decimals="-6" id="f-8405" unitRef="eur">413487000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-21" decimals="-6" id="f-8406" unitRef="eur">394404000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3222" decimals="-6" id="f-8407" unitRef="eur">331780000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3223" decimals="-6" id="f-8408" unitRef="eur">317543000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3224" decimals="-6" id="f-8409" unitRef="eur">316082000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3225" decimals="-6" id="f-8410" unitRef="eur">106658000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3226" decimals="-6" id="f-8411" unitRef="eur">91740000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3227" decimals="-6" id="f-8412" unitRef="eur">76063000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3228" decimals="-6" id="f-8413" unitRef="eur">9208000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3229" decimals="-6" id="f-8414" unitRef="eur">4204000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3230" decimals="-6" id="f-8415" unitRef="eur">2259000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-13" decimals="-6" id="f-8416" unitRef="eur">69867000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-20" decimals="-6" id="f-8417" unitRef="eur">68707000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-21" decimals="-6" id="f-8418" unitRef="eur">55429000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-13" decimals="-6" id="f-8419" unitRef="eur">17753000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-20" decimals="-6" id="f-8420" unitRef="eur">15046000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-21" decimals="-6" id="f-8421" unitRef="eur">14081000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-13" decimals="-6" id="f-8422" unitRef="eur">584339000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-20" decimals="-6" id="f-8423" unitRef="eur">557589000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-21" decimals="-6" id="f-8424" unitRef="eur">529172000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <bbva:DepositsFromBanksTableTextBlock contextRef="c-1" id="f-8425">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by geographical area and the nature of the related instruments of this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.188%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deposits from credit institutions (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Demand deposits &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Time deposits &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;and other &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;538&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,693&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;973&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;231&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,185&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,162&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,387&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,963&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,942&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,313&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,578&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,832&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,289&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,570&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,380&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34,406&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 1.18pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;899&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,585&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;789&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,431&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;535&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;587&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,659&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,011&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,742&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,097&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,681&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;20,539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;40,039&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,709&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;855&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,587&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;633&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;672&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,095&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,613&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,944&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,226&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,797&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,949&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,645&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,787&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,714&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26,935&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Subordinated deposits are included amounting to &#x20ac;48, &#x20ac;35 and &#x20ac;24 million as of December 31, 2024, 2023 and 2022, respectively.&lt;/span&gt;&lt;/div&gt;</bbva:DepositsFromBanksTableTextBlock>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3231" decimals="-6" id="f-8426" unitRef="eur">1039000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3232" decimals="-6" id="f-8427" unitRef="eur">3116000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3233" decimals="-6" id="f-8428" unitRef="eur">538000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3234" decimals="-6" id="f-8429" unitRef="eur">4693000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3235" decimals="-6" id="f-8430" unitRef="eur">973000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3236" decimals="-6" id="f-8431" unitRef="eur">981000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3237" decimals="-6" id="f-8432" unitRef="eur">231000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3238" decimals="-6" id="f-8433" unitRef="eur">2185000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3239" decimals="-6" id="f-8434" unitRef="eur">158000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3240" decimals="-6" id="f-8435" unitRef="eur">2002000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3241" decimals="-6" id="f-8436" unitRef="eur">2000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3242" decimals="-6" id="f-8437" unitRef="eur">2162000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3243" decimals="-6" id="f-8438" unitRef="eur">577000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3244" decimals="-6" id="f-8439" unitRef="eur">2387000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3245" decimals="-6" id="f-8440" unitRef="eur">0</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3246" decimals="-6" id="f-8441" unitRef="eur">2963000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3247" decimals="-6" id="f-8442" unitRef="eur">2942000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3248" decimals="-6" id="f-8443" unitRef="eur">3313000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3249" decimals="-6" id="f-8444" unitRef="eur">11578000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3250" decimals="-6" id="f-8445" unitRef="eur">17832000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3251" decimals="-6" id="f-8446" unitRef="eur">1289000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3252" decimals="-6" id="f-8447" unitRef="eur">3250000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3253" decimals="-6" id="f-8448" unitRef="eur">31000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3254" decimals="-6" id="f-8449" unitRef="eur">4570000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3255" decimals="-6" id="f-8450" unitRef="eur">6977000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3256" decimals="-6" id="f-8451" unitRef="eur">15049000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3257" decimals="-6" id="f-8452" unitRef="eur">12380000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-13" decimals="-6" id="f-8453" unitRef="eur">34406000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3258" decimals="-6" id="f-8454" unitRef="eur">1252000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3259" decimals="-6" id="f-8455" unitRef="eur">2434000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3260" decimals="-6" id="f-8456" unitRef="eur">899000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3261" decimals="-6" id="f-8457" unitRef="eur">4585000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3262" decimals="-6" id="f-8458" unitRef="eur">789000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3263" decimals="-6" id="f-8459" unitRef="eur">642000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3264" decimals="-6" id="f-8460" unitRef="eur">0</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3265" decimals="-6" id="f-8461" unitRef="eur">1431000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3266" decimals="-6" id="f-8462" unitRef="eur">16000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3267" decimals="-6" id="f-8463" unitRef="eur">535000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3268" decimals="-6" id="f-8464" unitRef="eur">37000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3269" decimals="-6" id="f-8465" unitRef="eur">587000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3270" decimals="-6" id="f-8466" unitRef="eur">416000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3271" decimals="-6" id="f-8467" unitRef="eur">2242000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3272" decimals="-6" id="f-8468" unitRef="eur">0</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3273" decimals="-6" id="f-8469" unitRef="eur">2659000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3274" decimals="-6" id="f-8470" unitRef="eur">3011000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3275" decimals="-6" id="f-8471" unitRef="eur">2742000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3276" decimals="-6" id="f-8472" unitRef="eur">19344000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3277" decimals="-6" id="f-8473" unitRef="eur">25097000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3278" decimals="-6" id="f-8474" unitRef="eur">1145000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3279" decimals="-6" id="f-8475" unitRef="eur">4277000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3280" decimals="-6" id="f-8476" unitRef="eur">259000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3281" decimals="-6" id="f-8477" unitRef="eur">5681000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3282" decimals="-6" id="f-8478" unitRef="eur">6629000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3283" decimals="-6" id="f-8479" unitRef="eur">12871000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3284" decimals="-6" id="f-8480" unitRef="eur">20539000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-20" decimals="-6" id="f-8481" unitRef="eur">40039000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3285" decimals="-6" id="f-8482" unitRef="eur">1215000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3286" decimals="-6" id="f-8483" unitRef="eur">1429000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3287" decimals="-6" id="f-8484" unitRef="eur">67000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3288" decimals="-6" id="f-8485" unitRef="eur">2709000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3289" decimals="-6" id="f-8486" unitRef="eur">855000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3290" decimals="-6" id="f-8487" unitRef="eur">732000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3291" decimals="-6" id="f-8488" unitRef="eur">0</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3292" decimals="-6" id="f-8489" unitRef="eur">1587000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3293" decimals="-6" id="f-8490" unitRef="eur">10000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3294" decimals="-6" id="f-8491" unitRef="eur">633000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3295" decimals="-6" id="f-8492" unitRef="eur">29000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3296" decimals="-6" id="f-8493" unitRef="eur">672000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3297" decimals="-6" id="f-8494" unitRef="eur">844000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3298" decimals="-6" id="f-8495" unitRef="eur">2251000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3299" decimals="-6" id="f-8496" unitRef="eur">0</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3300" decimals="-6" id="f-8497" unitRef="eur">3095000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3301" decimals="-6" id="f-8498" unitRef="eur">3613000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3302" decimals="-6" id="f-8499" unitRef="eur">2944000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3303" decimals="-6" id="f-8500" unitRef="eur">1669000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3304" decimals="-6" id="f-8501" unitRef="eur">8226000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3305" decimals="-6" id="f-8502" unitRef="eur">4897000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3306" decimals="-6" id="f-8503" unitRef="eur">3797000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3307" decimals="-6" id="f-8504" unitRef="eur">1949000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3308" decimals="-6" id="f-8505" unitRef="eur">10645000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3309" decimals="-6" id="f-8506" unitRef="eur">11434000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3310" decimals="-6" id="f-8507" unitRef="eur">11787000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-3311" decimals="-6" id="f-8508" unitRef="eur">3714000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <ifrs-full:DepositsFromBanksAtAmortisedCost contextRef="c-21" decimals="-6" id="f-8509" unitRef="eur">26935000000</ifrs-full:DepositsFromBanksAtAmortisedCost>
    <bbva:CustomerDepositsTableTextBlock contextRef="c-1" id="f-8510">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by geographical area of this heading in the consolidated balance sheets, by type of instrument, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.924%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.924%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.924%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Customer deposits (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Demand deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Time deposits &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;and other &#x207d;&#xb9;&#x207e; &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;186,489&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,501&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,474&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;215,464&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;70,133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;987&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85,439&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,228&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49,267&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32,443&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,675&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,613&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,095&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,878&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,605&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,922&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;331,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;106,658&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,208&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;447,646&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;179,825&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,952&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;197,780&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76,122&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,067&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92,828&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,423&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,485&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,331&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,239&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,349&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,237&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,863&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,257&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,231&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30,350&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,052&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;317,543&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;91,740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,204&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;413,487&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#002146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;December 2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;188,803&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,937&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;202,742&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;78,217&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,254&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,118&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27,083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,505&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,587&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,224&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;880&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,774&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,737&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,228&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,965&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;316,082&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;76,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;394,404&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Subordinated deposits are included amounting to &#x20ac;8 million as of December 31, 2024. As of December 31, 2023 and 2022, no subordinated deposits were recorded under this heading.&lt;/span&gt;&lt;/div&gt;</bbva:CustomerDepositsTableTextBlock>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3312" decimals="-6" id="f-8511" unitRef="eur">186489000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3313" decimals="-6" id="f-8512" unitRef="eur">22501000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3314" decimals="-6" id="f-8513" unitRef="eur">6474000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3315" decimals="-6" id="f-8514" unitRef="eur">215464000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3316" decimals="-6" id="f-8515" unitRef="eur">70133000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3317" decimals="-6" id="f-8516" unitRef="eur">14319000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3318" decimals="-6" id="f-8517" unitRef="eur">987000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3319" decimals="-6" id="f-8518" unitRef="eur">85439000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3320" decimals="-6" id="f-8519" unitRef="eur">23228000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3321" decimals="-6" id="f-8520" unitRef="eur">25388000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3322" decimals="-6" id="f-8521" unitRef="eur">652000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3323" decimals="-6" id="f-8522" unitRef="eur">49267000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3324" decimals="-6" id="f-8523" unitRef="eur">32443000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3325" decimals="-6" id="f-8524" unitRef="eur">20232000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3326" decimals="-6" id="f-8525" unitRef="eur">0</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3327" decimals="-6" id="f-8526" unitRef="eur">52675000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3328" decimals="-6" id="f-8527" unitRef="eur">17170000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3329" decimals="-6" id="f-8528" unitRef="eur">17613000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3330" decimals="-6" id="f-8529" unitRef="eur">1095000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3331" decimals="-6" id="f-8530" unitRef="eur">35878000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3332" decimals="-6" id="f-8531" unitRef="eur">2318000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3333" decimals="-6" id="f-8532" unitRef="eur">6605000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3334" decimals="-6" id="f-8533" unitRef="eur">0</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3335" decimals="-6" id="f-8534" unitRef="eur">8922000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3336" decimals="-6" id="f-8535" unitRef="eur">331780000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3337" decimals="-6" id="f-8536" unitRef="eur">106658000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3338" decimals="-6" id="f-8537" unitRef="eur">9208000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-13" decimals="-6" id="f-8538" unitRef="eur">447646000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3339" decimals="-6" id="f-8539" unitRef="eur">179825000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3340" decimals="-6" id="f-8540" unitRef="eur">17952000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3341" decimals="-6" id="f-8541" unitRef="eur">4000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3342" decimals="-6" id="f-8542" unitRef="eur">197780000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3343" decimals="-6" id="f-8543" unitRef="eur">76122000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3344" decimals="-6" id="f-8544" unitRef="eur">15067000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3345" decimals="-6" id="f-8545" unitRef="eur">1638000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3346" decimals="-6" id="f-8546" unitRef="eur">92828000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3347" decimals="-6" id="f-8547" unitRef="eur">20423000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3348" decimals="-6" id="f-8548" unitRef="eur">21485000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3349" decimals="-6" id="f-8549" unitRef="eur">1331000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3350" decimals="-6" id="f-8550" unitRef="eur">43239000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3351" decimals="-6" id="f-8551" unitRef="eur">26888000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3352" decimals="-6" id="f-8552" unitRef="eur">17349000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3353" decimals="-6" id="f-8553" unitRef="eur">0</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3354" decimals="-6" id="f-8554" unitRef="eur">44237000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3355" decimals="-6" id="f-8555" unitRef="eur">12863000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3356" decimals="-6" id="f-8556" unitRef="eur">16257000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3357" decimals="-6" id="f-8557" unitRef="eur">1231000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3358" decimals="-6" id="f-8558" unitRef="eur">30350000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3359" decimals="-6" id="f-8559" unitRef="eur">1422000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3360" decimals="-6" id="f-8560" unitRef="eur">3630000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3361" decimals="-6" id="f-8561" unitRef="eur">0</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3362" decimals="-6" id="f-8562" unitRef="eur">5052000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3363" decimals="-6" id="f-8563" unitRef="eur">317543000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3364" decimals="-6" id="f-8564" unitRef="eur">91740000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3365" decimals="-6" id="f-8565" unitRef="eur">4204000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-20" decimals="-6" id="f-8566" unitRef="eur">413487000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3366" decimals="-6" id="f-8567" unitRef="eur">188803000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3367" decimals="-6" id="f-8568" unitRef="eur">13937000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3368" decimals="-6" id="f-8569" unitRef="eur">2000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3369" decimals="-6" id="f-8570" unitRef="eur">202742000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3370" decimals="-6" id="f-8571" unitRef="eur">64671000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3371" decimals="-6" id="f-8572" unitRef="eur">12916000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3372" decimals="-6" id="f-8573" unitRef="eur">630000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3373" decimals="-6" id="f-8574" unitRef="eur">78217000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3374" decimals="-6" id="f-8575" unitRef="eur">22117000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3375" decimals="-6" id="f-8576" unitRef="eur">17254000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3376" decimals="-6" id="f-8577" unitRef="eur">747000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3377" decimals="-6" id="f-8578" unitRef="eur">40118000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3378" decimals="-6" id="f-8579" unitRef="eur">27083000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3379" decimals="-6" id="f-8580" unitRef="eur">14505000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3380" decimals="-6" id="f-8581" unitRef="eur">0</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3381" decimals="-6" id="f-8582" unitRef="eur">41587000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3382" decimals="-6" id="f-8583" unitRef="eur">11670000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3383" decimals="-6" id="f-8584" unitRef="eur">14224000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3384" decimals="-6" id="f-8585" unitRef="eur">880000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3385" decimals="-6" id="f-8586" unitRef="eur">26774000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3386" decimals="-6" id="f-8587" unitRef="eur">1737000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3387" decimals="-6" id="f-8588" unitRef="eur">3228000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3388" decimals="-6" id="f-8589" unitRef="eur">0</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3389" decimals="-6" id="f-8590" unitRef="eur">4965000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3390" decimals="-6" id="f-8591" unitRef="eur">316082000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3391" decimals="-6" id="f-8592" unitRef="eur">76063000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-3392" decimals="-6" id="f-8593" unitRef="eur">2259000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost contextRef="c-21" decimals="-6" id="f-8594" unitRef="eur">394404000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <bbva:DepositsFromDebtCertificatesTableTextBlock contextRef="c-1" id="f-8595">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading, by type of financial instrument and by currency, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Debt certificates issued (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In Euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;37,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;44,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;35,611&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Promissory bills and notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,416&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,079&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-convertible bonds and debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,788&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,979&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Covered bonds&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,825&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,734&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,665&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hybrid financial instruments &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;959&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securitization bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,201&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,501&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,395&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,066&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,289&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Convertible perpetual certificates&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,750&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,000&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other non-convertible subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,645&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,066&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,289&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In foreign currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;32,748&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;19,819&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Promissory bills and notes&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,962&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;336&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;351&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-convertible bonds and debentures&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,136&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,684&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,323&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Covered bonds&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hybrid financial instruments &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,327&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,722&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,724&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securitization bonds&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Wholesale funding&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,067&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,479&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,161&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,766&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,196&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Convertible perpetual certificates&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,888&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,715&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,876&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other non-convertible subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,273&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,051&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,320&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#160;&#160;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;69,867&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Corresponds to structured note issuances with embedded derivatives that have been segregated according to IFRS 9.&lt;/span&gt;&lt;/div&gt;</bbva:DepositsFromDebtCertificatesTableTextBlock>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3393" decimals="-6" id="f-8596" unitRef="eur">37118000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3394" decimals="-6" id="f-8597" unitRef="eur">44622000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3395" decimals="-6" id="f-8598" unitRef="eur">35611000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3396" decimals="-6" id="f-8599" unitRef="eur">1360000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3397" decimals="-6" id="f-8600" unitRef="eur">5416000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3398" decimals="-6" id="f-8601" unitRef="eur">1079000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3399" decimals="-6" id="f-8602" unitRef="eur">17788000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3400" decimals="-6" id="f-8603" unitRef="eur">16256000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3401" decimals="-6" id="f-8604" unitRef="eur">16979000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3402" decimals="-6" id="f-8605" unitRef="eur">5825000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3403" decimals="-6" id="f-8606" unitRef="eur">6734000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3404" decimals="-6" id="f-8607" unitRef="eur">7665000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3405" decimals="-6" id="f-8608" unitRef="eur">519000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3406" decimals="-6" id="f-8609" unitRef="eur">800000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3407" decimals="-6" id="f-8610" unitRef="eur">959000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3408" decimals="-6" id="f-8611" unitRef="eur">2201000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3409" decimals="-6" id="f-8612" unitRef="eur">2168000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3410" decimals="-6" id="f-8613" unitRef="eur">2501000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3411" decimals="-6" id="f-8614" unitRef="eur">1030000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3412" decimals="-6" id="f-8615" unitRef="eur">6182000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3413" decimals="-6" id="f-8616" unitRef="eur">139000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3414" decimals="-6" id="f-8617" unitRef="eur">8395000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3415" decimals="-6" id="f-8618" unitRef="eur">7066000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3416" decimals="-6" id="f-8619" unitRef="eur">6289000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3417" decimals="-6" id="f-8620" unitRef="eur">2750000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3418" decimals="-6" id="f-8621" unitRef="eur">3000000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3419" decimals="-6" id="f-8622" unitRef="eur">3000000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3420" decimals="-6" id="f-8623" unitRef="eur">5645000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3421" decimals="-6" id="f-8624" unitRef="eur">4066000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3422" decimals="-6" id="f-8625" unitRef="eur">3289000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3423" decimals="-6" id="f-8626" unitRef="eur">32748000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3424" decimals="-6" id="f-8627" unitRef="eur">24086000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3425" decimals="-6" id="f-8628" unitRef="eur">19819000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3426" decimals="-6" id="f-8629" unitRef="eur">2962000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3427" decimals="-6" id="f-8630" unitRef="eur">336000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3428" decimals="-6" id="f-8631" unitRef="eur">351000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3429" decimals="-6" id="f-8632" unitRef="eur">12136000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3430" decimals="-6" id="f-8633" unitRef="eur">8684000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3431" decimals="-6" id="f-8634" unitRef="eur">9323000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3432" decimals="-6" id="f-8635" unitRef="eur">95000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3433" decimals="-6" id="f-8636" unitRef="eur">99000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3434" decimals="-6" id="f-8637" unitRef="eur">114000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3435" decimals="-6" id="f-8638" unitRef="eur">5327000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3436" decimals="-6" id="f-8639" unitRef="eur">4722000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3437" decimals="-6" id="f-8640" unitRef="eur">3724000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3438" decimals="-6" id="f-8641" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3439" decimals="-6" id="f-8642" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3440" decimals="-6" id="f-8643" unitRef="eur">0</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3441" decimals="-6" id="f-8644" unitRef="eur">1067000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3442" decimals="-6" id="f-8645" unitRef="eur">1479000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3443" decimals="-6" id="f-8646" unitRef="eur">111000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3444" decimals="-6" id="f-8647" unitRef="eur">11161000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3445" decimals="-6" id="f-8648" unitRef="eur">8766000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3446" decimals="-6" id="f-8649" unitRef="eur">6196000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3447" decimals="-6" id="f-8650" unitRef="eur">2888000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3448" decimals="-6" id="f-8651" unitRef="eur">2715000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3449" decimals="-6" id="f-8652" unitRef="eur">1876000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3450" decimals="-6" id="f-8653" unitRef="eur">8273000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3451" decimals="-6" id="f-8654" unitRef="eur">6051000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-3452" decimals="-6" id="f-8655" unitRef="eur">4320000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-13" decimals="-6" id="f-8656" unitRef="eur">69867000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-20" decimals="-6" id="f-8657" unitRef="eur">68707000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <ifrs-full:DebtInstrumentsIssuedAtAmortisedCost contextRef="c-21" decimals="-6" id="f-8658" unitRef="eur">55429000000</ifrs-full:DebtInstrumentsIssuedAtAmortisedCost>
    <bbva:MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock contextRef="c-1" id="f-8659">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Memorandum item: Subordinated liabilities at amortized cost (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Subordinated deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Subordinated certificates &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,832&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,485&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Compound convertible financial instruments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,876&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other non-convertible subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;13,918&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10,117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7,609&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;19,612&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,867&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,509&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock>
    <bbva:SubordinatedDeposits contextRef="c-13" decimals="-6" id="f-8660" unitRef="eur">56000000</bbva:SubordinatedDeposits>
    <bbva:SubordinatedDeposits contextRef="c-20" decimals="-6" id="f-8661" unitRef="eur">35000000</bbva:SubordinatedDeposits>
    <bbva:SubordinatedDeposits contextRef="c-21" decimals="-6" id="f-8662" unitRef="eur">24000000</bbva:SubordinatedDeposits>
    <bbva:SubordinatedCertificates contextRef="c-13" decimals="-6" id="f-8663" unitRef="eur">19556000000</bbva:SubordinatedCertificates>
    <bbva:SubordinatedCertificates contextRef="c-20" decimals="-6" id="f-8664" unitRef="eur">15832000000</bbva:SubordinatedCertificates>
    <bbva:SubordinatedCertificates contextRef="c-21" decimals="-6" id="f-8665" unitRef="eur">12485000000</bbva:SubordinatedCertificates>
    <bbva:CompoundConvertibleFinancialInstruments contextRef="c-13" decimals="-6" id="f-8666" unitRef="eur">5638000000</bbva:CompoundConvertibleFinancialInstruments>
    <bbva:CompoundConvertibleFinancialInstruments contextRef="c-20" decimals="-6" id="f-8667" unitRef="eur">5715000000</bbva:CompoundConvertibleFinancialInstruments>
    <bbva:CompoundConvertibleFinancialInstruments contextRef="c-21" decimals="-6" id="f-8668" unitRef="eur">4876000000</bbva:CompoundConvertibleFinancialInstruments>
    <bbva:OtherNonConvertibleSubordinatedLiabilities contextRef="c-13" decimals="-6" id="f-8669" unitRef="eur">13918000000</bbva:OtherNonConvertibleSubordinatedLiabilities>
    <bbva:OtherNonConvertibleSubordinatedLiabilities contextRef="c-20" decimals="-6" id="f-8670" unitRef="eur">10117000000</bbva:OtherNonConvertibleSubordinatedLiabilities>
    <bbva:OtherNonConvertibleSubordinatedLiabilities contextRef="c-21" decimals="-6" id="f-8671" unitRef="eur">7609000000</bbva:OtherNonConvertibleSubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilitiesAtAmortisedCost contextRef="c-13" decimals="-6" id="f-8672" unitRef="eur">19612000000</ifrs-full:SubordinatedLiabilitiesAtAmortisedCost>
    <ifrs-full:SubordinatedLiabilitiesAtAmortisedCost contextRef="c-20" decimals="-6" id="f-8673" unitRef="eur">15867000000</ifrs-full:SubordinatedLiabilitiesAtAmortisedCost>
    <ifrs-full:SubordinatedLiabilitiesAtAmortisedCost contextRef="c-21" decimals="-6" id="f-8674" unitRef="eur">12509000000</ifrs-full:SubordinatedLiabilitiesAtAmortisedCost>
    <bbva:OtherFinancialLiabilitiesTableTextBlock contextRef="c-1" id="f-8675">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other financial liabilities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Lease liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,507&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,398&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Creditors for other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,859&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,439&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,584&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Collection accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,693&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,426&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Creditors for other payment obligations &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,734&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,673&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;17,753&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,081&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:OtherFinancialLiabilitiesTableTextBlock>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3453" decimals="-6" id="f-8676" unitRef="eur">1467000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3454" decimals="-6" id="f-8677" unitRef="eur">1507000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3455" decimals="-6" id="f-8678" unitRef="eur">1398000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3456" decimals="-6" id="f-8679" unitRef="eur">4859000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3457" decimals="-6" id="f-8680" unitRef="eur">3439000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3458" decimals="-6" id="f-8681" unitRef="eur">3584000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3459" decimals="-6" id="f-8682" unitRef="eur">3693000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3460" decimals="-6" id="f-8683" unitRef="eur">3642000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3461" decimals="-6" id="f-8684" unitRef="eur">3426000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3462" decimals="-6" id="f-8685" unitRef="eur">7734000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3463" decimals="-6" id="f-8686" unitRef="eur">6458000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3464" decimals="-6" id="f-8687" unitRef="eur">5673000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-13" decimals="-6" id="f-8688" unitRef="eur">17753000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-20" decimals="-6" id="f-8689" unitRef="eur">15046000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-21" decimals="-6" id="f-8690" unitRef="eur">14081000000</ifrs-full:OtherFinancialLiabilities>
    <bbva:MaturityOfFuturePaymentObligationsTableTextBlock contextRef="c-1" id="f-8691">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A breakdown of the maturity of the lease liabilities, due after December 31, 2024 is provided below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.348%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.612%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maturity of future payment obligations (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Up to 1 year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3 to 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;285&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;768&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,467&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:MaturityOfFuturePaymentObligationsTableTextBlock>
    <bbva:MaturityOfFuturePaymentObligationsByLeases contextRef="c-3465" decimals="-6" id="f-8692" unitRef="eur">175000000</bbva:MaturityOfFuturePaymentObligationsByLeases>
    <bbva:MaturityOfFuturePaymentObligationsByLeases contextRef="c-3466" decimals="-6" id="f-8693" unitRef="eur">285000000</bbva:MaturityOfFuturePaymentObligationsByLeases>
    <bbva:MaturityOfFuturePaymentObligationsByLeases contextRef="c-3467" decimals="-6" id="f-8694" unitRef="eur">239000000</bbva:MaturityOfFuturePaymentObligationsByLeases>
    <bbva:MaturityOfFuturePaymentObligationsByLeases contextRef="c-3468" decimals="-6" id="f-8695" unitRef="eur">768000000</bbva:MaturityOfFuturePaymentObligationsByLeases>
    <bbva:MaturityOfFuturePaymentObligationsByLeases contextRef="c-13" decimals="-6" id="f-8696" unitRef="eur">1467000000</bbva:MaturityOfFuturePaymentObligationsByLeases>
    <bbva:DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock contextRef="c-1" id="f-8697">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Assets and liabilities under insurance and reinsurance contracts&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group has insurance subsidiaries mainly in Spain, Latin America (mostly in Mexico) and Turkey. Specifically, the insurance entities located in Spain and Mexico together accounted for approximately 95% in terms of total liabilities under insurance and reinsurance contracts as of December 31, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;s death.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; Additionally, the insurance business generates certain specific risks, of a probabilistic nature: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Longevity risk: is the risk of incurring higher benefit payments than expected due to an increase in the life expectancy of the insured persons.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The insurance activity is fully integrated into the BBVA Group's risk management framework. From the definition of the risk appetite to the management limits, the governance model, the admission process, the organizational scheme and the development of computer systems/models, everything is designed with a global approach and under consistent and homogeneous criteria, aligned with other financial business of the BBVA Group. This also means that control activities and information flow are fully integrated into internal processes, from local reporting to the corporate bodies of the BBVA Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 accounting and risk-based capital regulations, which have already been published in several countries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amounts that the consolidated insurance entities are entitled to receive from reinsurance contracts they maintain with third parties are recognized under the heading &#x201c;Assets under reinsurance and insurance contracts&#x201d; in the consolidated balance sheets. As of December 31, 2024, 2023 and 2022, the balance under this heading amounted to &#x20ac;191 million, &#x20ac;211 million and &#x20ac;183 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Liabilities under insurance and reinsurance contracts&#x201d; in the consolidated balance sheets includes the liabilities recorded under insurance contracts of the consolidated insurance entities in accordance with IFRS 17 (see Note 2.2.8). The breakdown of the balance of this heading as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.309%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities under insurance and reinsurance contracts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Insurances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Estimates of the present value of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,516&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,905&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Risk adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cost service margin&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,224&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities for incurred claims&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;Estimates of the present value of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;959&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;Risk adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Reinsurances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, the breakdown of &#x201c;Liabilities under insurance and reinsurance contracts&#x201d; in the consolidated balance sheets by type of product as of December 31, 2024, 2023 and 2022, excluding insurance contracts valued following the Simplified Model, is shown in the table below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.309%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities under insurance and reinsurance contracts by type of product (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Life insurance&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,555&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,962&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Individuals life insurance &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Group insurance &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,370&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Non-life insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;280&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities for incurred claims&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Provides coverage in the event of death, disability and serious illness.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) The insurance policies purchased by employers (other than BBVA Group) on behalf of their employees.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The variation in liabilities under insurance and reinsurance contracts analyzed by liability for the remaining coverage and liability for incurred claims for the years 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for incurred claims &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Result from insurance service&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,371)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,509)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance revenue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,494)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,494)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,985&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(407)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(395)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(657)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(110)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(767)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,828)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,542&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for incurred claims&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Result from insurance service&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,822)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,289)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance revenue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,897)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,897)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,607&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;563&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;564&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,008&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,067&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,637&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2022 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for incurred claims&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,875&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,972&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Result from insurance service&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,446)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,260&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,186)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance revenue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,575)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,575)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,260&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,390&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(694)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(692)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,048&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,099&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,437)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;938&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The variation of liabilities under insurance and reinsurance contracts, distinguishing between their different valuation components, excluding contracts valued under the Simplified Model, for the years 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.747%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Estimated present value of future cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Risk adjustment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contractual service margin &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,738&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,118&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance service result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(345)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(318)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to current services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(969)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(270)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,267)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to future services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to past services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(457)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(406)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange rate differences&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(636)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(721)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;411&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;411&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,224&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,084&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.128%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.846%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Estimated present value of future cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Risk adjustment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contractual service margin &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance service result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(384)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(406)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to current services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(749)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(185)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(960)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to future services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(189)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;163&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to past services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;554&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;508&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;564&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange rate differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,738&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,118&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2022 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Estimated present value of future cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Risk adjustment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contractual service margin &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,945&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;112&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,006&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance service result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(606)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(511)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to current services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(908)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to future services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(270)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to past services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;413&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;413&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(704)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(694)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange rate differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,093&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;412&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;412&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The maturity of &#x201c;Liabilities under insurance and reinsurance contracts&#x201d; is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.103%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maturity of the liabilities under insurance and reinsurance contracts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Up to 1 year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3 to 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,387&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;962&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,754&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;663&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,664&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,050&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The classification and valuation models used to calculate the liabilities under insurance and reinsurance contracts are detailed in Note 2.2.8 of these Consolidated Financial Statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In general, in estimating compliance flows valued under the General Model, the Group has used tables based on the companies' own experience to estimate discounted future cash flows for all units of account, except for those cases in which the entity has not had sufficient historical data for the construction of the assumptions, so in such cases, regulatory tables have been used.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock>
    <ifrs-full:InsuranceContractsThatAreAssets contextRef="c-13" decimals="-6" id="f-8698" unitRef="eur">191000000</ifrs-full:InsuranceContractsThatAreAssets>
    <ifrs-full:InsuranceContractsThatAreAssets contextRef="c-20" decimals="-6" id="f-8699" unitRef="eur">211000000</ifrs-full:InsuranceContractsThatAreAssets>
    <ifrs-full:InsuranceContractsThatAreAssets contextRef="c-21" decimals="-6" id="f-8700" unitRef="eur">183000000</ifrs-full:InsuranceContractsThatAreAssets>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock contextRef="c-1" id="f-8701">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Liabilities under insurance and reinsurance contracts&#x201d; in the consolidated balance sheets includes the liabilities recorded under insurance contracts of the consolidated insurance entities in accordance with IFRS 17 (see Note 2.2.8). The breakdown of the balance of this heading as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.309%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities under insurance and reinsurance contracts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Insurances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Estimates of the present value of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,516&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,905&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Risk adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cost service margin&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,224&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities for incurred claims&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;Estimates of the present value of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;959&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;Risk adjustment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Reinsurances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3469" decimals="-6" id="f-8702" unitRef="eur">10981000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3470" decimals="-6" id="f-8703" unitRef="eur">12110000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3471" decimals="-6" id="f-8704" unitRef="eur">10131000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3472" decimals="-6" id="f-8705" unitRef="eur">9835000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3473" decimals="-6" id="f-8706" unitRef="eur">10900000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3474" decimals="-6" id="f-8707" unitRef="eur">9157000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3475" decimals="-6" id="f-8708" unitRef="eur">8462000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3476" decimals="-6" id="f-8709" unitRef="eur">9516000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3477" decimals="-6" id="f-8710" unitRef="eur">7905000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3478" decimals="-6" id="f-8711" unitRef="eur">150000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3479" decimals="-6" id="f-8712" unitRef="eur">171000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3480" decimals="-6" id="f-8713" unitRef="eur">155000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3481" decimals="-6" id="f-8714" unitRef="eur">1224000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3482" decimals="-6" id="f-8715" unitRef="eur">1213000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3483" decimals="-6" id="f-8716" unitRef="eur">1097000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3484" decimals="-6" id="f-8717" unitRef="eur">1146000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3485" decimals="-6" id="f-8718" unitRef="eur">1210000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3486" decimals="-6" id="f-8719" unitRef="eur">974000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3487" decimals="-6" id="f-8720" unitRef="eur">1129000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3488" decimals="-6" id="f-8721" unitRef="eur">1191000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3489" decimals="-6" id="f-8722" unitRef="eur">959000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3490" decimals="-6" id="f-8723" unitRef="eur">17000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3491" decimals="-6" id="f-8724" unitRef="eur">19000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3492" decimals="-6" id="f-8725" unitRef="eur">15000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3493" decimals="-6" id="f-8726" unitRef="eur">0</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3494" decimals="-6" id="f-8727" unitRef="eur">0</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3495" decimals="-6" id="f-8728" unitRef="eur">0</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-13" decimals="-6" id="f-8729" unitRef="eur">10981000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-20" decimals="-6" id="f-8730" unitRef="eur">12110000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-21" decimals="-6" id="f-8731" unitRef="eur">10131000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <bbva:LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock contextRef="c-1" id="f-8732">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, the breakdown of &#x201c;Liabilities under insurance and reinsurance contracts&#x201d; in the consolidated balance sheets by type of product as of December 31, 2024, 2023 and 2022, excluding insurance contracts valued following the Simplified Model, is shown in the table below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.309%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities under insurance and reinsurance contracts by type of product (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Life insurance&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,555&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,962&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Individuals life insurance &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Group insurance &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,757&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,370&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Non-life insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;280&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities for incurred claims&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'BBVA Benton Sans Book',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Provides coverage in the event of death, disability and serious illness.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) The insurance policies purchased by employers (other than BBVA Group) on behalf of their employees.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3496" decimals="-6" id="f-8733" unitRef="eur">9835000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3497" decimals="-6" id="f-8734" unitRef="eur">10900000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3498" decimals="-6" id="f-8735" unitRef="eur">9157000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3499" decimals="-6" id="f-8736" unitRef="eur">9555000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3500" decimals="-6" id="f-8737" unitRef="eur">10657000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3501" decimals="-6" id="f-8738" unitRef="eur">8962000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3502" decimals="-6" id="f-8739" unitRef="eur">7643000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3503" decimals="-6" id="f-8740" unitRef="eur">8900000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3504" decimals="-6" id="f-8741" unitRef="eur">7592000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3505" decimals="-6" id="f-8742" unitRef="eur">1912000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3506" decimals="-6" id="f-8743" unitRef="eur">1757000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3507" decimals="-6" id="f-8744" unitRef="eur">1370000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3508" decimals="-6" id="f-8745" unitRef="eur">280000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3509" decimals="-6" id="f-8746" unitRef="eur">243000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3510" decimals="-6" id="f-8747" unitRef="eur">195000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3511" decimals="-6" id="f-8748" unitRef="eur">1146000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3512" decimals="-6" id="f-8749" unitRef="eur">1210000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3513" decimals="-6" id="f-8750" unitRef="eur">974000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-13" decimals="-6" id="f-8751" unitRef="eur">10981000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-20" decimals="-6" id="f-8752" unitRef="eur">12110000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-21" decimals="-6" id="f-8753" unitRef="eur">10131000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <bbva:VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTableTextBlock contextRef="c-1" id="f-8754">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The variation in liabilities under insurance and reinsurance contracts analyzed by liability for the remaining coverage and liability for incurred claims for the years 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for incurred claims &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Result from insurance service&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,371)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,509)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance revenue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,494)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,494)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,985&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(407)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(395)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(657)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(110)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(767)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,828)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,542&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for incurred claims&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Result from insurance service&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,822)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,289)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance revenue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,897)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,897)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,607&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;563&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;564&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,008&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,067&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,637&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by liabilities for the remaining coverage and the liabilities for incurred claims. December 2022 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for remaining coverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liability for incurred claims&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,875&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,972&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Result from insurance service&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,446)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,260&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,186)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance revenue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,575)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,575)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,260&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,390&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(694)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(692)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,048&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,099&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,437)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;938&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTableTextBlock>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3514" decimals="-6" id="f-8755" unitRef="eur">10900000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3515" decimals="-6" id="f-8756" unitRef="eur">1210000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-20" decimals="-6" id="f-8757" unitRef="eur">12110000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims contextRef="c-3516" decimals="-6" id="f-8758" unitRef="eur">-3371000000</bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims>
    <bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims contextRef="c-3517" decimals="-6" id="f-8759" unitRef="eur">1862000000</bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims>
    <bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims contextRef="c-1" decimals="-6" id="f-8760" unitRef="eur">-1509000000</bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims>
    <ifrs-full:InsuranceRevenue contextRef="c-3516" decimals="-6" id="f-8761" unitRef="eur">-3494000000</ifrs-full:InsuranceRevenue>
    <ifrs-full:InsuranceRevenue contextRef="c-3517" decimals="-6" id="f-8762" unitRef="eur">0</ifrs-full:InsuranceRevenue>
    <ifrs-full:InsuranceRevenue contextRef="c-1" decimals="-6" id="f-8763" unitRef="eur">-3494000000</ifrs-full:InsuranceRevenue>
    <ifrs-full:InsuranceExpense contextRef="c-3516" decimals="-6" id="f-8764" unitRef="eur">124000000</ifrs-full:InsuranceExpense>
    <ifrs-full:InsuranceExpense contextRef="c-3517" decimals="-6" id="f-8765" unitRef="eur">1862000000</ifrs-full:InsuranceExpense>
    <ifrs-full:InsuranceExpense contextRef="c-1" decimals="-6" id="f-8766" unitRef="eur">1985000000</ifrs-full:InsuranceExpense>
    <bbva:FinancialIncomeExpenseFromInsuranceContracts contextRef="c-3516" decimals="-6" id="f-8767" unitRef="eur">-407000000</bbva:FinancialIncomeExpenseFromInsuranceContracts>
    <bbva:FinancialIncomeExpenseFromInsuranceContracts contextRef="c-3517" decimals="-6" id="f-8768" unitRef="eur">12000000</bbva:FinancialIncomeExpenseFromInsuranceContracts>
    <bbva:FinancialIncomeExpenseFromInsuranceContracts contextRef="c-1" decimals="-6" id="f-8769" unitRef="eur">-395000000</bbva:FinancialIncomeExpenseFromInsuranceContracts>
    <bbva:ExchangeRateDifferencesFromInsuranceContracts contextRef="c-3516" decimals="-6" id="f-8770" unitRef="eur">-657000000</bbva:ExchangeRateDifferencesFromInsuranceContracts>
    <bbva:ExchangeRateDifferencesFromInsuranceContracts contextRef="c-3517" decimals="-6" id="f-8771" unitRef="eur">-110000000</bbva:ExchangeRateDifferencesFromInsuranceContracts>
    <bbva:ExchangeRateDifferencesFromInsuranceContracts contextRef="c-1" decimals="-6" id="f-8772" unitRef="eur">-767000000</bbva:ExchangeRateDifferencesFromInsuranceContracts>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContracts contextRef="c-3516" decimals="-6" id="f-8773" unitRef="eur">3370000000</bbva:CashFlowsFromInsuranceAndReinsuranceContracts>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContracts contextRef="c-3517" decimals="-6" id="f-8774" unitRef="eur">-1828000000</bbva:CashFlowsFromInsuranceAndReinsuranceContracts>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContracts contextRef="c-1" decimals="-6" id="f-8775" unitRef="eur">1542000000</bbva:CashFlowsFromInsuranceAndReinsuranceContracts>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3518" decimals="-6" id="f-8776" unitRef="eur">9835000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3519" decimals="-6" id="f-8777" unitRef="eur">1146000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-13" decimals="-6" id="f-8778" unitRef="eur">10981000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3520" decimals="-6" id="f-8779" unitRef="eur">9157000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3521" decimals="-6" id="f-8780" unitRef="eur">974000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-21" decimals="-6" id="f-8781" unitRef="eur">10131000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims contextRef="c-3522" decimals="-6" id="f-8782" unitRef="eur">-2822000000</bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims>
    <bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims contextRef="c-3523" decimals="-6" id="f-8783" unitRef="eur">1532000000</bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims>
    <bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims contextRef="c-22" decimals="-6" id="f-8784" unitRef="eur">-1289000000</bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims>
    <ifrs-full:InsuranceRevenue contextRef="c-3522" decimals="-6" id="f-8785" unitRef="eur">-2897000000</ifrs-full:InsuranceRevenue>
    <ifrs-full:InsuranceRevenue contextRef="c-3523" decimals="-6" id="f-8786" unitRef="eur">0</ifrs-full:InsuranceRevenue>
    <ifrs-full:InsuranceRevenue contextRef="c-22" decimals="-6" id="f-8787" unitRef="eur">-2897000000</ifrs-full:InsuranceRevenue>
    <ifrs-full:InsuranceExpense contextRef="c-3522" decimals="-6" id="f-8788" unitRef="eur">75000000</ifrs-full:InsuranceExpense>
    <ifrs-full:InsuranceExpense contextRef="c-3523" decimals="-6" id="f-8789" unitRef="eur">1532000000</ifrs-full:InsuranceExpense>
    <ifrs-full:InsuranceExpense contextRef="c-22" decimals="-6" id="f-8790" unitRef="eur">1607000000</ifrs-full:InsuranceExpense>
    <bbva:FinancialIncomeExpenseFromInsuranceContracts contextRef="c-3522" decimals="-6" id="f-8791" unitRef="eur">563000000</bbva:FinancialIncomeExpenseFromInsuranceContracts>
    <bbva:FinancialIncomeExpenseFromInsuranceContracts contextRef="c-3523" decimals="-6" id="f-8792" unitRef="eur">1000000</bbva:FinancialIncomeExpenseFromInsuranceContracts>
    <bbva:FinancialIncomeExpenseFromInsuranceContracts contextRef="c-22" decimals="-6" id="f-8793" unitRef="eur">564000000</bbva:FinancialIncomeExpenseFromInsuranceContracts>
    <bbva:ExchangeRateDifferencesFromInsuranceContracts contextRef="c-3522" decimals="-6" id="f-8794" unitRef="eur">1008000000</bbva:ExchangeRateDifferencesFromInsuranceContracts>
    <bbva:ExchangeRateDifferencesFromInsuranceContracts contextRef="c-3523" decimals="-6" id="f-8795" unitRef="eur">59000000</bbva:ExchangeRateDifferencesFromInsuranceContracts>
    <bbva:ExchangeRateDifferencesFromInsuranceContracts contextRef="c-22" decimals="-6" id="f-8796" unitRef="eur">1067000000</bbva:ExchangeRateDifferencesFromInsuranceContracts>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContracts contextRef="c-3522" decimals="-6" id="f-8797" unitRef="eur">2994000000</bbva:CashFlowsFromInsuranceAndReinsuranceContracts>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContracts contextRef="c-3523" decimals="-6" id="f-8798" unitRef="eur">-1357000000</bbva:CashFlowsFromInsuranceAndReinsuranceContracts>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContracts contextRef="c-22" decimals="-6" id="f-8799" unitRef="eur">1637000000</bbva:CashFlowsFromInsuranceAndReinsuranceContracts>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3514" decimals="-6" id="f-8800" unitRef="eur">10900000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3515" decimals="-6" id="f-8801" unitRef="eur">1210000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-20" decimals="-6" id="f-8802" unitRef="eur">12110000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3524" decimals="-6" id="f-8803" unitRef="eur">8875000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3525" decimals="-6" id="f-8804" unitRef="eur">1097000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-173" decimals="-6" id="f-8805" unitRef="eur">9972000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims contextRef="c-3526" decimals="-6" id="f-8806" unitRef="eur">-2446000000</bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims>
    <bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims contextRef="c-3527" decimals="-6" id="f-8807" unitRef="eur">1260000000</bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims>
    <bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims contextRef="c-23" decimals="-6" id="f-8808" unitRef="eur">-1186000000</bbva:ResultFromInsuranceServiceByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaims>
    <ifrs-full:InsuranceRevenue contextRef="c-3526" decimals="-6" id="f-8809" unitRef="eur">-2575000000</ifrs-full:InsuranceRevenue>
    <ifrs-full:InsuranceRevenue contextRef="c-3527" decimals="-6" id="f-8810" unitRef="eur">0</ifrs-full:InsuranceRevenue>
    <ifrs-full:InsuranceRevenue contextRef="c-23" decimals="-6" id="f-8811" unitRef="eur">-2575000000</ifrs-full:InsuranceRevenue>
    <ifrs-full:InsuranceExpense contextRef="c-3526" decimals="-6" id="f-8812" unitRef="eur">130000000</ifrs-full:InsuranceExpense>
    <ifrs-full:InsuranceExpense contextRef="c-3527" decimals="-6" id="f-8813" unitRef="eur">1260000000</ifrs-full:InsuranceExpense>
    <ifrs-full:InsuranceExpense contextRef="c-23" decimals="-6" id="f-8814" unitRef="eur">1390000000</ifrs-full:InsuranceExpense>
    <bbva:FinancialIncomeExpenseFromInsuranceContracts contextRef="c-3526" decimals="-6" id="f-8815" unitRef="eur">-694000000</bbva:FinancialIncomeExpenseFromInsuranceContracts>
    <bbva:FinancialIncomeExpenseFromInsuranceContracts contextRef="c-3527" decimals="-6" id="f-8816" unitRef="eur">2000000</bbva:FinancialIncomeExpenseFromInsuranceContracts>
    <bbva:FinancialIncomeExpenseFromInsuranceContracts contextRef="c-23" decimals="-6" id="f-8817" unitRef="eur">-692000000</bbva:FinancialIncomeExpenseFromInsuranceContracts>
    <bbva:ExchangeRateDifferencesFromInsuranceContracts contextRef="c-3526" decimals="-6" id="f-8818" unitRef="eur">1048000000</bbva:ExchangeRateDifferencesFromInsuranceContracts>
    <bbva:ExchangeRateDifferencesFromInsuranceContracts contextRef="c-3527" decimals="-6" id="f-8819" unitRef="eur">51000000</bbva:ExchangeRateDifferencesFromInsuranceContracts>
    <bbva:ExchangeRateDifferencesFromInsuranceContracts contextRef="c-23" decimals="-6" id="f-8820" unitRef="eur">1099000000</bbva:ExchangeRateDifferencesFromInsuranceContracts>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContracts contextRef="c-3526" decimals="-6" id="f-8821" unitRef="eur">2375000000</bbva:CashFlowsFromInsuranceAndReinsuranceContracts>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContracts contextRef="c-3527" decimals="-6" id="f-8822" unitRef="eur">-1437000000</bbva:CashFlowsFromInsuranceAndReinsuranceContracts>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContracts contextRef="c-23" decimals="-6" id="f-8823" unitRef="eur">938000000</bbva:CashFlowsFromInsuranceAndReinsuranceContracts>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3520" decimals="-6" id="f-8824" unitRef="eur">9157000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3521" decimals="-6" id="f-8825" unitRef="eur">974000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-21" decimals="-6" id="f-8826" unitRef="eur">10131000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <bbva:VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock contextRef="c-1" id="f-8827">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The variation of liabilities under insurance and reinsurance contracts, distinguishing between their different valuation components, excluding contracts valued under the Simplified Model, for the years 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.747%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Estimated present value of future cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Risk adjustment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contractual service margin &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,738&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,118&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance service result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(345)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(318)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to current services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(969)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(270)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,267)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to future services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to past services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;974&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(457)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(406)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange rate differences&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(636)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(721)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;411&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;411&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,224&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;10,084&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.128%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.846%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2023 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Estimated present value of future cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Risk adjustment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contractual service margin &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance service result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(384)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(406)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to current services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(749)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(185)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(960)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to future services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(189)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;163&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to past services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;554&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;554&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;508&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;564&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange rate differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;94&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,738&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;11,118&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variation in liabilities under insurance and reinsurance contracts analyzed by valuation component. December 2022 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Estimated present value of future cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Risk adjustment &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contractual service margin &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Initial balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,945&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;112&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,006&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance service result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(606)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(511)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to current services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(908)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to future services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(270)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Changes that relate to past services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;413&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#929292;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;413&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial income/ expenses from insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(704)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(694)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange rate differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,009&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,093&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;412&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;412&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Final balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.&lt;/span&gt;&lt;/div&gt;</bbva:VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3528" decimals="-6" id="f-8828" unitRef="eur">9738000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3529" decimals="-6" id="f-8829" unitRef="eur">167000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3530" decimals="-6" id="f-8830" unitRef="eur">1213000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-20" decimals="-6" id="f-8831" unitRef="eur">11118000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <ifrs-full:InsuranceServiceResult contextRef="c-3531" decimals="-6" id="f-8832" unitRef="eur">-345000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:InsuranceServiceResult contextRef="c-3532" decimals="-6" id="f-8833" unitRef="eur">-17000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:InsuranceServiceResult contextRef="c-3533" decimals="-6" id="f-8834" unitRef="eur">44000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:InsuranceServiceResult contextRef="c-1" decimals="-6" id="f-8835" unitRef="eur">-318000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-3531" decimals="-6" id="f-8836" unitRef="eur">-969000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-3532" decimals="-6" id="f-8837" unitRef="eur">-29000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-3533" decimals="-6" id="f-8838" unitRef="eur">-270000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-1" decimals="-6" id="f-8839" unitRef="eur">-1267000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-3531" decimals="-6" id="f-8840" unitRef="eur">-350000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-3532" decimals="-6" id="f-8841" unitRef="eur">12000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-3533" decimals="-6" id="f-8842" unitRef="eur">314000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-1" decimals="-6" id="f-8843" unitRef="eur">-24000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-3531" decimals="-6" id="f-8844" unitRef="eur">974000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-3532" decimals="-6" id="f-8845" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-3533" decimals="-6" id="f-8846" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-1" decimals="-6" id="f-8847" unitRef="eur">974000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-3531" decimals="-6" id="f-8848" unitRef="eur">-457000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-3532" decimals="-6" id="f-8849" unitRef="eur">3000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-3533" decimals="-6" id="f-8850" unitRef="eur">49000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-1" decimals="-6" id="f-8851" unitRef="eur">-406000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3531" decimals="-6" id="f-8852" unitRef="eur">-636000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3532" decimals="-6" id="f-8853" unitRef="eur">-3000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3533" decimals="-6" id="f-8854" unitRef="eur">-82000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-1" decimals="-6" id="f-8855" unitRef="eur">-721000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3531" decimals="-6" id="f-8856" unitRef="eur">411000000</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3532" decimals="-6" id="f-8857" unitRef="eur">0</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3533" decimals="-6" id="f-8858" unitRef="eur">0</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-1" decimals="-6" id="f-8859" unitRef="eur">411000000</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3534" decimals="-6" id="f-8860" unitRef="eur">8710000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3535" decimals="-6" id="f-8861" unitRef="eur">150000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3536" decimals="-6" id="f-8862" unitRef="eur">1224000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-13" decimals="-6" id="f-8863" unitRef="eur">10084000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3537" decimals="-6" id="f-8864" unitRef="eur">8056000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3538" decimals="-6" id="f-8865" unitRef="eur">150000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3539" decimals="-6" id="f-8866" unitRef="eur">1097000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-21" decimals="-6" id="f-8867" unitRef="eur">9303000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <ifrs-full:InsuranceServiceResult contextRef="c-3540" decimals="-6" id="f-8868" unitRef="eur">-384000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:InsuranceServiceResult contextRef="c-3541" decimals="-6" id="f-8869" unitRef="eur">0</ifrs-full:InsuranceServiceResult>
    <ifrs-full:InsuranceServiceResult contextRef="c-3542" decimals="-6" id="f-8870" unitRef="eur">-23000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:InsuranceServiceResult contextRef="c-22" decimals="-6" id="f-8871" unitRef="eur">-406000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-3540" decimals="-6" id="f-8872" unitRef="eur">-749000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-3541" decimals="-6" id="f-8873" unitRef="eur">-26000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-3542" decimals="-6" id="f-8874" unitRef="eur">-185000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-22" decimals="-6" id="f-8875" unitRef="eur">-960000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-3540" decimals="-6" id="f-8876" unitRef="eur">-189000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-3541" decimals="-6" id="f-8877" unitRef="eur">26000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-3542" decimals="-6" id="f-8878" unitRef="eur">163000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-22" decimals="-6" id="f-8879" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-3540" decimals="-6" id="f-8880" unitRef="eur">554000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-3541" decimals="-6" id="f-8881" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-3542" decimals="-6" id="f-8882" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-22" decimals="-6" id="f-8883" unitRef="eur">554000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-3540" decimals="-6" id="f-8884" unitRef="eur">508000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-3541" decimals="-6" id="f-8885" unitRef="eur">11000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-3542" decimals="-6" id="f-8886" unitRef="eur">45000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-22" decimals="-6" id="f-8887" unitRef="eur">564000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3540" decimals="-6" id="f-8888" unitRef="eur">935000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3541" decimals="-6" id="f-8889" unitRef="eur">6000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3542" decimals="-6" id="f-8890" unitRef="eur">94000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-22" decimals="-6" id="f-8891" unitRef="eur">1035000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3540" decimals="-6" id="f-8892" unitRef="eur">623000000</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3541" decimals="-6" id="f-8893" unitRef="eur">0</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3542" decimals="-6" id="f-8894" unitRef="eur">0</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-22" decimals="-6" id="f-8895" unitRef="eur">623000000</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3528" decimals="-6" id="f-8896" unitRef="eur">9738000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3529" decimals="-6" id="f-8897" unitRef="eur">167000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3530" decimals="-6" id="f-8898" unitRef="eur">1213000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-20" decimals="-6" id="f-8899" unitRef="eur">11118000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3543" decimals="-6" id="f-8900" unitRef="eur">7945000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3544" decimals="-6" id="f-8901" unitRef="eur">112000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3545" decimals="-6" id="f-8902" unitRef="eur">948000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-173" decimals="-6" id="f-8903" unitRef="eur">9006000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <ifrs-full:InsuranceServiceResult contextRef="c-3546" decimals="-6" id="f-8904" unitRef="eur">-606000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:InsuranceServiceResult contextRef="c-3547" decimals="-6" id="f-8905" unitRef="eur">46000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:InsuranceServiceResult contextRef="c-3548" decimals="-6" id="f-8906" unitRef="eur">49000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:InsuranceServiceResult contextRef="c-23" decimals="-6" id="f-8907" unitRef="eur">-511000000</ifrs-full:InsuranceServiceResult>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-3546" decimals="-6" id="f-8908" unitRef="eur">-750000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-3547" decimals="-6" id="f-8909" unitRef="eur">-14000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-3548" decimals="-6" id="f-8910" unitRef="eur">-144000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset contextRef="c-23" decimals="-6" id="f-8911" unitRef="eur">-908000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToCurrentServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-3546" decimals="-6" id="f-8912" unitRef="eur">-270000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-3547" decimals="-6" id="f-8913" unitRef="eur">60000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-3548" decimals="-6" id="f-8914" unitRef="eur">193000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset contextRef="c-23" decimals="-6" id="f-8915" unitRef="eur">-17000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-3546" decimals="-6" id="f-8916" unitRef="eur">413000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-3547" decimals="-6" id="f-8917" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-3548" decimals="-6" id="f-8918" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset contextRef="c-23" decimals="-6" id="f-8919" unitRef="eur">413000000</ifrs-full:IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-3546" decimals="-6" id="f-8920" unitRef="eur">-704000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-3547" decimals="-6" id="f-8921" unitRef="eur">-20000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-3548" decimals="-6" id="f-8922" unitRef="eur">29000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent contextRef="c-23" decimals="-6" id="f-8923" unitRef="eur">-694000000</bbva:FinancialIncomeExpenseFromInsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3546" decimals="-6" id="f-8924" unitRef="eur">1009000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3547" decimals="-6" id="f-8925" unitRef="eur">11000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3548" decimals="-6" id="f-8926" unitRef="eur">72000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-23" decimals="-6" id="f-8927" unitRef="eur">1093000000</bbva:ExchangeRateDifferencesFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3546" decimals="-6" id="f-8928" unitRef="eur">412000000</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3547" decimals="-6" id="f-8929" unitRef="eur">0</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3548" decimals="-6" id="f-8930" unitRef="eur">0</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-23" decimals="-6" id="f-8931" unitRef="eur">412000000</bbva:CashFlowsFromInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3537" decimals="-6" id="f-8932" unitRef="eur">8056000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3538" decimals="-6" id="f-8933" unitRef="eur">150000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-3539" decimals="-6" id="f-8934" unitRef="eur">1097000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent contextRef="c-21" decimals="-6" id="f-8935" unitRef="eur">9303000000</bbva:LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent>
    <bbva:MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock contextRef="c-1" id="f-8936">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The maturity of &#x201c;Liabilities under insurance and reinsurance contracts&#x201d; is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.103%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Maturity of the liabilities under insurance and reinsurance contracts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Up to 1 year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1 to 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3 to 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,387&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,981&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;962&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,754&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;663&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,664&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,050&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,131&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3549" decimals="-6" id="f-8937" unitRef="eur">1556000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3550" decimals="-6" id="f-8938" unitRef="eur">319000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3551" decimals="-6" id="f-8939" unitRef="eur">720000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3552" decimals="-6" id="f-8940" unitRef="eur">8387000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-13" decimals="-6" id="f-8941" unitRef="eur">10981000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3553" decimals="-6" id="f-8942" unitRef="eur">1356000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3554" decimals="-6" id="f-8943" unitRef="eur">962000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3555" decimals="-6" id="f-8944" unitRef="eur">2425000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3556" decimals="-6" id="f-8945" unitRef="eur">7367000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-20" decimals="-6" id="f-8946" unitRef="eur">12110000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3557" decimals="-6" id="f-8947" unitRef="eur">1754000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3558" decimals="-6" id="f-8948" unitRef="eur">663000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3559" decimals="-6" id="f-8949" unitRef="eur">1664000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3560" decimals="-6" id="f-8950" unitRef="eur">6050000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-21" decimals="-6" id="f-8951" unitRef="eur">10131000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:DisclosureOfProvisionsExplanatory contextRef="c-1" id="f-8952">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Provisions&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets, based on type of provisions, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.681%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions. Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Provisions for pensions and similar obligations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other long term employee benefits &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;466&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Provisions for taxes and other legal contingencies&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.1 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;791&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;696&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;685&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Provisions for contingent risks and commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.6&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;667&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;770&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;770&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other provisions &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;452&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;380&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,619&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,933&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) It included commitments undertaken under the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A. in 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Individually non-significant provisions, for various concepts and corresponding to different geographical areas.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The change in provisions for pensions and similar obligations for the years ended December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.218%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.997%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions for pensions and other post-employment obligations for defined benefit plans, and other long term employee benefits. Changes over the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,208&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Charges to income for the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest expense and similar charges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Personnel expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;57&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Provision expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Charges (credits) to equity &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(433)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(410)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(474)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(616)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(143)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(120)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,098&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Correspond to actuarial losses (gains) arising from certain post-employment defined-benefit commitments for pensions recognized in &#x201c;Equity&#x201d; (see Note 2.2.13).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:3.82pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.756%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions for taxes, legal contingencies and other provisions. Changes over the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,148&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,065&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;990&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;651&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;417&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Unused amounts reversed during the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(385)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Amount used and other variations&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(183)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(211)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,220&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,148&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,065&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Ongoing legal proceedings and litigation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On the basis of the information available, the Group considers that, as of December 31, 2024, 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 the resolution of such proceedings will not have, individually, a significant adverse effect on the Group's business, financial situation or results of operations.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfProvisionsExplanatory>
    <bbva:ProvisionsBreakdownByConceptsTableTextBlock contextRef="c-1" id="f-8953">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets, based on type of provisions, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.681%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions. Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Provisions for pensions and similar obligations&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other long term employee benefits &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;466&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Provisions for taxes and other legal contingencies&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.1 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;791&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;696&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;685&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Provisions for contingent risks and commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.2.6&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;667&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;770&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;770&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other provisions &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;452&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;380&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,619&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,933&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) It included commitments undertaken under the collective layoff procedure that was carried out at Banco Bilbao Vizcaya Argentaria, S.A. in 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Individually non-significant provisions, for various concepts and corresponding to different geographical areas.&lt;/span&gt;&lt;/div&gt;</bbva:ProvisionsBreakdownByConceptsTableTextBlock>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-13" decimals="-6" id="f-8954" unitRef="eur">2348000000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-20" decimals="-6" id="f-8955" unitRef="eur">2571000000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-21" decimals="-6" id="f-8956" unitRef="eur">2632000000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:OtherLongtermProvisions contextRef="c-13" decimals="-6" id="f-8957" unitRef="eur">384000000</ifrs-full:OtherLongtermProvisions>
    <ifrs-full:OtherLongtermProvisions contextRef="c-20" decimals="-6" id="f-8958" unitRef="eur">435000000</ifrs-full:OtherLongtermProvisions>
    <ifrs-full:OtherLongtermProvisions contextRef="c-21" decimals="-6" id="f-8959" unitRef="eur">466000000</ifrs-full:OtherLongtermProvisions>
    <ifrs-full:LegalProceedingsProvision contextRef="c-13" decimals="-6" id="f-8960" unitRef="eur">791000000</ifrs-full:LegalProceedingsProvision>
    <ifrs-full:LegalProceedingsProvision contextRef="c-20" decimals="-6" id="f-8961" unitRef="eur">696000000</ifrs-full:LegalProceedingsProvision>
    <ifrs-full:LegalProceedingsProvision contextRef="c-21" decimals="-6" id="f-8962" unitRef="eur">685000000</ifrs-full:LegalProceedingsProvision>
    <bbva:ProvisionsForCommitmentsAndContingentRisks contextRef="c-13" decimals="-6" id="f-8963" unitRef="eur">667000000</bbva:ProvisionsForCommitmentsAndContingentRisks>
    <bbva:ProvisionsForCommitmentsAndContingentRisks contextRef="c-20" decimals="-6" id="f-8964" unitRef="eur">770000000</bbva:ProvisionsForCommitmentsAndContingentRisks>
    <bbva:ProvisionsForCommitmentsAndContingentRisks contextRef="c-21" decimals="-6" id="f-8965" unitRef="eur">770000000</bbva:ProvisionsForCommitmentsAndContingentRisks>
    <ifrs-full:OtherProvisions contextRef="c-13" decimals="-6" id="f-8966" unitRef="eur">429000000</ifrs-full:OtherProvisions>
    <ifrs-full:OtherProvisions contextRef="c-20" decimals="-6" id="f-8967" unitRef="eur">452000000</ifrs-full:OtherProvisions>
    <ifrs-full:OtherProvisions contextRef="c-21" decimals="-6" id="f-8968" unitRef="eur">380000000</ifrs-full:OtherProvisions>
    <ifrs-full:Provisions contextRef="c-13" decimals="-6" id="f-8969" unitRef="eur">4619000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-20" decimals="-6" id="f-8970" unitRef="eur">4924000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-21" decimals="-6" id="f-8971" unitRef="eur">4933000000</ifrs-full:Provisions>
    <bbva:ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock contextRef="c-1" id="f-8972">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The change in provisions for pensions and similar obligations for the years ended December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.218%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.997%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions for pensions and other post-employment obligations for defined benefit plans, and other long term employee benefits. Changes over the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,208&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Charges to income for the year &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Interest expense and similar charges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Personnel expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;57&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Provision expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Charges (credits) to equity &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(433)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(410)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(474)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(616)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(143)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(120)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #5ac4c4;border-left:1pt solid #5ac4c4;border-right:1pt solid #5ac4c4;border-top:1pt solid #5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,098&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Correspond to actuarial losses (gains) arising from certain post-employment defined-benefit commitments for pensions recognized in &#x201c;Equity&#x201d; (see Note 2.2.13).&lt;/span&gt;&lt;/div&gt;</bbva:ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock>
    <bbva:ProvisonForPensionsAndOtherPostEmploymentObligations contextRef="c-20" decimals="-6" id="f-8973" unitRef="eur">3006000000</bbva:ProvisonForPensionsAndOtherPostEmploymentObligations>
    <bbva:ProvisonForPensionsAndOtherPostEmploymentObligations contextRef="c-21" decimals="-6" id="f-8974" unitRef="eur">3098000000</bbva:ProvisonForPensionsAndOtherPostEmploymentObligations>
    <bbva:ProvisonForPensionsAndOtherPostEmploymentObligations contextRef="c-173" decimals="-6" id="f-8975" unitRef="eur">4208000000</bbva:ProvisonForPensionsAndOtherPostEmploymentObligations>
    <bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance contextRef="c-1" decimals="-6" id="f-8976" unitRef="eur">197000000</bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance>
    <bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance contextRef="c-22" decimals="-6" id="f-8977" unitRef="eur">211000000</bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance>
    <bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance contextRef="c-23" decimals="-6" id="f-8978" unitRef="eur">25000000</bbva:ChargesToIncomeForTheYearProvisionsForPensionsAndSimilarObligationsBalance>
    <bbva:InteresetExpenseAndSimilarChargesForPensions contextRef="c-1" decimals="-6" id="f-8979" unitRef="eur">138000000</bbva:InteresetExpenseAndSimilarChargesForPensions>
    <bbva:InteresetExpenseAndSimilarChargesForPensions contextRef="c-22" decimals="-6" id="f-8980" unitRef="eur">133000000</bbva:InteresetExpenseAndSimilarChargesForPensions>
    <bbva:InteresetExpenseAndSimilarChargesForPensions contextRef="c-23" decimals="-6" id="f-8981" unitRef="eur">75000000</bbva:InteresetExpenseAndSimilarChargesForPensions>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-1" decimals="-6" id="f-8982" unitRef="eur">57000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-22" decimals="-6" id="f-8983" unitRef="eur">49000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-23" decimals="-6" id="f-8984" unitRef="eur">42000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <bbva:ProvisionsExpensesForPensions contextRef="c-1" decimals="-6" id="f-8985" unitRef="eur">2000000</bbva:ProvisionsExpensesForPensions>
    <bbva:ProvisionsExpensesForPensions contextRef="c-22" decimals="-6" id="f-8986" unitRef="eur">29000000</bbva:ProvisionsExpensesForPensions>
    <bbva:ProvisionsExpensesForPensions contextRef="c-23" decimals="-6" id="f-8987" unitRef="eur">-92000000</bbva:ProvisionsExpensesForPensions>
    <ifrs-full:GainLossOnRemeasurementOfReimbursementRights contextRef="c-1" decimals="-6" id="f-8988" unitRef="eur">132000000</ifrs-full:GainLossOnRemeasurementOfReimbursementRights>
    <ifrs-full:GainLossOnRemeasurementOfReimbursementRights contextRef="c-22" decimals="-6" id="f-8989" unitRef="eur">314000000</ifrs-full:GainLossOnRemeasurementOfReimbursementRights>
    <ifrs-full:GainLossOnRemeasurementOfReimbursementRights contextRef="c-23" decimals="-6" id="f-8990" unitRef="eur">-433000000</ifrs-full:GainLossOnRemeasurementOfReimbursementRights>
    <bbva:TransfersAndOtherChangesForPensions contextRef="c-1" decimals="-6" id="f-8991" unitRef="eur">-49000000</bbva:TransfersAndOtherChangesForPensions>
    <bbva:TransfersAndOtherChangesForPensions contextRef="c-22" decimals="-6" id="f-8992" unitRef="eur">-37000000</bbva:TransfersAndOtherChangesForPensions>
    <bbva:TransfersAndOtherChangesForPensions contextRef="c-23" decimals="-6" id="f-8993" unitRef="eur">36000000</bbva:TransfersAndOtherChangesForPensions>
    <bbva:BenefitPaymentsForPensions contextRef="c-1" decimals="-6" id="f-8994" unitRef="eur">-410000000</bbva:BenefitPaymentsForPensions>
    <bbva:BenefitPaymentsForPensions contextRef="c-22" decimals="-6" id="f-8995" unitRef="eur">-474000000</bbva:BenefitPaymentsForPensions>
    <bbva:BenefitPaymentsForPensions contextRef="c-23" decimals="-6" id="f-8996" unitRef="eur">-616000000</bbva:BenefitPaymentsForPensions>
    <ifrs-full:EmployerContributions contextRef="c-1" decimals="-6" id="f-8997" unitRef="eur">143000000</ifrs-full:EmployerContributions>
    <ifrs-full:EmployerContributions contextRef="c-22" decimals="-6" id="f-8998" unitRef="eur">106000000</ifrs-full:EmployerContributions>
    <ifrs-full:EmployerContributions contextRef="c-23" decimals="-6" id="f-8999" unitRef="eur">120000000</ifrs-full:EmployerContributions>
    <bbva:ProvisonForPensionsAndOtherPostEmploymentObligations contextRef="c-13" decimals="-6" id="f-9000" unitRef="eur">2732000000</bbva:ProvisonForPensionsAndOtherPostEmploymentObligations>
    <bbva:ProvisonForPensionsAndOtherPostEmploymentObligations contextRef="c-20" decimals="-6" id="f-9001" unitRef="eur">3006000000</bbva:ProvisonForPensionsAndOtherPostEmploymentObligations>
    <bbva:ProvisonForPensionsAndOtherPostEmploymentObligations contextRef="c-21" decimals="-6" id="f-9002" unitRef="eur">3098000000</bbva:ProvisonForPensionsAndOtherPostEmploymentObligations>
    <bbva:ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock contextRef="c-1" id="f-9003">&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.756%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions for taxes, legal contingencies and other provisions. Changes over the year (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at beginning &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,148&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,065&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;990&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Additions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;651&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;417&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Acquisition of subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Unused amounts reversed during the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(385)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Amount used and other variations&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(183)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(211)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,220&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,148&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,065&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock>
    <bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-20" decimals="-6" id="f-9004" unitRef="eur">1148000000</bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-21" decimals="-6" id="f-9005" unitRef="eur">1065000000</bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-173" decimals="-6" id="f-9006" unitRef="eur">990000000</bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-1" decimals="-6" id="f-9007" unitRef="eur">370000000</bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-22" decimals="-6" id="f-9008" unitRef="eur">651000000</bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-23" decimals="-6" id="f-9009" unitRef="eur">417000000</bbva:AdditionsOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-1" decimals="-6" id="f-9010" unitRef="eur">0</bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-22" decimals="-6" id="f-9011" unitRef="eur">0</bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-23" decimals="-6" id="f-9012" unitRef="eur">0</bbva:AcquisitionOfSubsidiariesOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-1" decimals="-6" id="f-9013" unitRef="eur">-92000000</bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-22" decimals="-6" id="f-9014" unitRef="eur">-385000000</bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-23" decimals="-6" id="f-9015" unitRef="eur">-130000000</bbva:UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-1" decimals="-6" id="f-9016" unitRef="eur">-206000000</bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-22" decimals="-6" id="f-9017" unitRef="eur">-183000000</bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-23" decimals="-6" id="f-9018" unitRef="eur">-211000000</bbva:AmountUsedAndOtherVariationsOfProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-13" decimals="-6" id="f-9019" unitRef="eur">1220000000</bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-20" decimals="-6" id="f-9020" unitRef="eur">1148000000</bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions contextRef="c-21" decimals="-6" id="f-9021" unitRef="eur">1065000000</bbva:ProvisionsForTaxesLegalContingentsAndOtherProvisions>
    <bbva:DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock contextRef="c-1" id="f-9022">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Post-employment and other employee benefit commitments&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As stated in Note 2.2.13, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 in active service and retirement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the net defined benefit liability recorded on the balance sheet as of December 31, 2024, 2023 and 2022 is provided below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Net defined benefit liability (asset) on the consolidated balance sheet (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pension commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,849&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,661&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Early retirement commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;412&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;606&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Medical benefits commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,448&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;466&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,181&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pension plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,584&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,675&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,608&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Medical benefit plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,476&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total plan assets &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,084&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total net liability / asset &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,097&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:6pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Net asset on the consolidated balance sheet &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:6pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Net liability on the consolidated balance sheet for provisions for pensions and similar obligations &lt;/span&gt;&lt;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"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Net liability on the consolidated balance sheet for other long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;466&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In Turkey, the foundation responsible for managing the benefit commitments holds an additional asset of &#x20ac;123 million as of December 31, 2024 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. As of December 31, 2023 and 2022, this amount amounted to &#x20ac;153 and &#x20ac;188 million respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Recorded under the heading &#x201c;Other Assets - Other&#x201d; of the consolidated balance sheet (see Note 20).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) Recorded under the heading &#x201c;Provisions - Provisions for pensions and similar obligations&#x201d; of the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The impact relating to benefit commitments on the consolidated income statement for the years 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.055%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.304%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Consolidated income statement impact (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest and other expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;444&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;342&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(356)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(311)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Personnel expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined contribution plan expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined benefit plan expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions or (reversal) of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Early retirement expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Past service cost expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Remeasurements &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(126)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other provision expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total impact on consolidated income statement: expense (income)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;355&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;352&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;116&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) 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 2.2.13).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022 are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.769%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.611%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity impact (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined benefit plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(363)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Post-employment medical benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total impact on equity: debit (credit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(433)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2024, the aggregate impact of this heading amounted to a debit of &#x20ac;132 million driven by the variation in the main long-term remuneration commitments in Mexico (debit of &#x20ac;55 million, mainly due to the variation of financial assumptions and expected profitability of plan assets), Turkey (debit of &#x20ac;32 million euros due to the variation of financial assumptions, expected profitability of plan assets and experience), Spain (debit of &#x20ac;28 million, essentially due to the variation in financial assumptions) and Portugal (debit of &#x20ac;16 million due to the expected profitability of the plan assets and experience).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2023, the aggregate impact of this heading amounted to a debit of &#x20ac;314 million driven by the variation in financial assumptions, losses of &#x20ac;71 million from commitments in Spain, and losses of &#x20ac;170 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2022, the aggregate impact of this heading amounted to a credit of &#x20ac;433 million driven by the variation in financial assumptions, gains of &#x20ac;558 million from commitments in Spain, and losses of &#x20ac;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Defined benefit plans&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022 is presented below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.704%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.688%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Defined benefits (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,989&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,084&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,632&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,988&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,560&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Interest income/expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;472&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;311&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;333&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;143&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(143)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;106&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Past service costs&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(330)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;128&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(741)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(501)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(330)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;330&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;240&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(362)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(362)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(564)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(230)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(334)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(655)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(424)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(676)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(184)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(492)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(467)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,989&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,084&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,964&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,546&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,399&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,988&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;286&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,426&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,329&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;97&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Turkey&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;567&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;488&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;363&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;418&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Including gains and losses arising from settlements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The balance under the heading &#x201c;Provisions - Pensions and other post-employment defined benefit obligations&#x201d; of the consolidated balance sheet as of December 31, 2024 includes &#x20ac;200 million relating to post-employment benefit commitments to former members of the Board of Directors and the Bank&#x2019;s Management (see Note 54).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#xb4;s defined contribution plans.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Both the costs and the present value of the commitments are determined by independent qualified actuaries using the &#x201c;projected unit credit&#x201d; method. In order to achieve 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 to ensure that all decisions are made taking into consideration all of the associated impacts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following table sets out the key actuarial assumptions used in the valuation of these commitments as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Actuarial assumptions (%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12.11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25.60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10.68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Rate of salary increase&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27.80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15.86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Rate of pension increase&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21.94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Medical cost trend rate&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;30.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Mortality tables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;PER 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;EMSSA09&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;TUIK 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;PER 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;EMSSA09&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;TUIK 2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;PER 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;EMSSA09&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;TUIK 2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;In Spain, the discount rate shown as of December 31, 2024, corresponds to the discount rate for long-term commitments, with the discount rate used for short-term commitments being 2.75%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Discount rates used to value future benefit cash flows have been determined by reference to high quality corporate bonds (see Note 2.2.13) denominated in Euro in the case of Spain and Mexican peso for Mexico, and government bonds denominated in Turkish Lira for Turkey.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The expected return on plan assets has been set in line with the adopted discount rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.123%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.073%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.167%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Sensitivity analysis (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Basis points change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Decrease&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(213)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(265)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;350&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Rate of salary increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Rate of pension increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Medical cost trend rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(93)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;141&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(126)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Change in obligation from each additional year of longevity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;120&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition to the commitments to employees shown above, the Group has other less material long-term employee benefits. These include leaves and 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, a fund related to the collective layoff procedure that was carried out in Banco Bilbao Vizcaya Argentaria, S.A. was created in 2021. As of December 31, 2024, 2023 and 2022, the actuarial liabilities for the outstanding awards amounted to &#x20ac;384 million, &#x20ac;435 million and &#x20ac;466 million, respectively. These commitments are recorded under the heading "Provisions - Other long-term employee benefits" of the consolidated balance sheet (see Note 24).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"&gt;Post-employment commitments and similar obligations&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, there are commitments with early retired personnel from Spanish companies of the Group. 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, 2024, 2023 and 2022, the value of these commitments amounted to &#x20ac;271 million, &#x20ac;412 million and &#x20ac;606 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The change in the benefit plan obligations and plan assets during the year ended December 31, 2024 was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.019%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Post-employment commitments 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Past service costs &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(341)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(109)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(177)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;567&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;260&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Vested benefit obligation relating to current employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;border-right:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Vested benefit obligation relating to retired employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;border-right:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Plan Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;958&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;363&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;224&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Past service costs&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(125)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(125)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;748&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;234&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;311&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;69&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Past service costs&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;125&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,964&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;377&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Including gains and losses arising from settlements.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Excluding interest, which is recorded under "Interest income or expense".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The change in net liabilities (assets) during the years ended December 31, 2023 and 2022 was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:39.732%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Post-employment commitments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023: Net liability (assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022: Net liability (assets)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,399&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,464&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Past service costs &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(643)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;152&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;62&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(129)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(104)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;121&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:13.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:13.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(643)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;82&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:13.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;122&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(379)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(484)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;311&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,399&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Includes gains and losses from settlements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In Spain, local regulation requires that pension and death benefit commitments must be funded, either through a qualified pension plan or an insurance contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. (a consolidated subsidiary and related party) 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 &#x2013; 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&#xb4;s consolidated assets (recorded according to the classification of the corresponding financial instruments). As of December 31, 2024 the value of these separate assets was &#x20ac;1,553 million, (&#x20ac;1,631 million and &#x20ac;1,656 million as of December 31, 2023 and 2022, respectively) representing direct rights of the insured employees held in the consolidated balance sheet, hence these benefits are effectively fully funded.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022, the value of the aforementioned insurance policies (&#x20ac;114, &#x20ac;130 and &#x20ac;147 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 to ensure that benefits can be met when due, guaranteeing both the actuarial and interest rate risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The foundation that maintains the assets and liabilities relating to employees of Garanti BBVA in Turkey, as per the local regulatory requirements, has recognized an obligation amounting to &#x20ac;382 million as of December 31, 2024 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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"&gt;Medical benefit commitments&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The change in defined benefit obligations and plan assets during the years 2024, 2023 and 2022 was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.402%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Medical benefits commitments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,448&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,377&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(116)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Past service costs &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(333)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(215)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(293)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(293)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gain and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(243)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(98)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,448&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Including gains and losses arising from settlements.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Excluding interest, which is recorded under "Interest income or expense".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The valuation of these benefits and their accounting treatment follow the same methodology as that employed in the valuation of pension commitments.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"&gt;Estimated benefit payments&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, the estimated benefit payments over the next ten years for all the entities in Spain, Mexico and Turkey are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Estimated benefit payments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2030 - 2034&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commitments in Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;278&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;618&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commitments in Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;196&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;207&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;225&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;235&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,331&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commitments in Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;696&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;645&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;514&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;495&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,645&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%;padding-left:11pt"&gt;Plan assets &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The majority of the Group&#xb4;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2018; risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The table below shows the allocation of plan assets of the main companies of the BBVA Group as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.345%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Plan assets breakdown (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;86&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities (government bonds)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,270&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Structured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,349&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,622&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Bank account in BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Debt securities issued by BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Property occupied by BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:7pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition to the above there are plan assets relating to the previously mentioned insurance contracts in Spain and the foundation in Turkey.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:7pt;margin-top:7pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following table provides details of investments in listed securities (Level 1) as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.345%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Investments in listed markets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;86&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities (Government bonds)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,270&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,328&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,904&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,439&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Bank account in BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Debt securities issued by BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Property occupied by BBVA&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, almost all of the assets related to employee commitments corresponded to fixed income securities.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Defined contribution plans&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Certain Group entities sponsor defined contribution plans. Some of these plans allow employees to make contributions which are then matched by the employer.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock>
    <bbva:NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock contextRef="c-1" id="f-9023">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the net defined benefit liability recorded on the balance sheet as of December 31, 2024, 2023 and 2022 is provided below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Net defined benefit liability (asset) on the consolidated balance sheet (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pension commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #004481;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,849&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,661&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Early retirement commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;412&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;606&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Medical benefits commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,448&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;466&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,181&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pension plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,584&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,675&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,608&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Medical benefit plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,476&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total plan assets &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,084&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total net liability / asset &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,097&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:6pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Net asset on the consolidated balance sheet &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:6pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Net liability on the consolidated balance sheet for provisions for pensions and similar obligations &lt;/span&gt;&lt;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"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Net liability on the consolidated balance sheet for other long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;466&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In Turkey, the foundation responsible for managing the benefit commitments holds an additional asset of &#x20ac;123 million as of December 31, 2024 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. As of December 31, 2023 and 2022, this amount amounted to &#x20ac;153 and &#x20ac;188 million respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Recorded under the heading &#x201c;Other Assets - Other&#x201d; of the consolidated balance sheet (see Note 20).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) Recorded under the heading &#x201c;Provisions - Provisions for pensions and similar obligations&#x201d; of the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;</bbva:NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock>
    <bbva:PensionCommitments contextRef="c-13" decimals="-6" id="f-9024" unitRef="eur">3759000000</bbva:PensionCommitments>
    <bbva:PensionCommitments contextRef="c-20" decimals="-6" id="f-9025" unitRef="eur">3849000000</bbva:PensionCommitments>
    <bbva:PensionCommitments contextRef="c-21" decimals="-6" id="f-9026" unitRef="eur">3661000000</bbva:PensionCommitments>
    <bbva:EarlyRetirementCommitments contextRef="c-13" decimals="-6" id="f-9027" unitRef="eur">271000000</bbva:EarlyRetirementCommitments>
    <bbva:EarlyRetirementCommitments contextRef="c-20" decimals="-6" id="f-9028" unitRef="eur">412000000</bbva:EarlyRetirementCommitments>
    <bbva:EarlyRetirementCommitments contextRef="c-21" decimals="-6" id="f-9029" unitRef="eur">606000000</bbva:EarlyRetirementCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-13" decimals="-6" id="f-9030" unitRef="eur">1269000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-20" decimals="-6" id="f-9031" unitRef="eur">1728000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-21" decimals="-6" id="f-9032" unitRef="eur">1448000000</bbva:MedicalBenefitsCommitments>
    <ifrs-full:OtherLongtermProvisions contextRef="c-13" decimals="-6" id="f-9033" unitRef="eur">384000000</ifrs-full:OtherLongtermProvisions>
    <ifrs-full:OtherLongtermProvisions contextRef="c-20" decimals="-6" id="f-9034" unitRef="eur">435000000</ifrs-full:OtherLongtermProvisions>
    <ifrs-full:OtherLongtermProvisions contextRef="c-21" decimals="-6" id="f-9035" unitRef="eur">466000000</ifrs-full:OtherLongtermProvisions>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-13" decimals="-6" id="f-9036" unitRef="eur">5683000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-20" decimals="-6" id="f-9037" unitRef="eur">6424000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-21" decimals="-6" id="f-9038" unitRef="eur">6181000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <bbva:PensionPlanAssets contextRef="c-13" decimals="-6" id="f-9039" unitRef="eur">1584000000</bbva:PensionPlanAssets>
    <bbva:PensionPlanAssets contextRef="c-20" decimals="-6" id="f-9040" unitRef="eur">1675000000</bbva:PensionPlanAssets>
    <bbva:PensionPlanAssets contextRef="c-21" decimals="-6" id="f-9041" unitRef="eur">1608000000</bbva:PensionPlanAssets>
    <bbva:MedicalBenefitPlanAssets contextRef="c-13" decimals="-6" id="f-9042" unitRef="eur">1367000000</bbva:MedicalBenefitPlanAssets>
    <bbva:MedicalBenefitPlanAssets contextRef="c-20" decimals="-6" id="f-9043" unitRef="eur">1744000000</bbva:MedicalBenefitPlanAssets>
    <bbva:MedicalBenefitPlanAssets contextRef="c-21" decimals="-6" id="f-9044" unitRef="eur">1476000000</bbva:MedicalBenefitPlanAssets>
    <ifrs-full:PlanAssetsAtFairValue contextRef="c-13" decimals="-6" id="f-9045" unitRef="eur">2951000000</ifrs-full:PlanAssetsAtFairValue>
    <ifrs-full:PlanAssetsAtFairValue contextRef="c-20" decimals="-6" id="f-9046" unitRef="eur">3419000000</ifrs-full:PlanAssetsAtFairValue>
    <ifrs-full:PlanAssetsAtFairValue contextRef="c-21" decimals="-6" id="f-9047" unitRef="eur">3084000000</ifrs-full:PlanAssetsAtFairValue>
    <bbva:TotalNetDefinedBenefitLiabilityAssets contextRef="c-13" decimals="-6" id="f-9048" unitRef="eur">2732000000</bbva:TotalNetDefinedBenefitLiabilityAssets>
    <bbva:TotalNetDefinedBenefitLiabilityAssets contextRef="c-20" decimals="-6" id="f-9049" unitRef="eur">3006000000</bbva:TotalNetDefinedBenefitLiabilityAssets>
    <bbva:TotalNetDefinedBenefitLiabilityAssets contextRef="c-21" decimals="-6" id="f-9050" unitRef="eur">3097000000</bbva:TotalNetDefinedBenefitLiabilityAssets>
    <bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet contextRef="c-13" decimals="-6" id="f-9051" unitRef="eur">0</bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet>
    <bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet contextRef="c-20" decimals="-6" id="f-9052" unitRef="eur">0</bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet>
    <bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet contextRef="c-21" decimals="-6" id="f-9053" unitRef="eur">-1000000</bbva:OfWhichNetDefinedNetAssetsOnTheConsolidatedBalanceSheet>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-13" decimals="-6" id="f-9054" unitRef="eur">2348000000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-20" decimals="-6" id="f-9055" unitRef="eur">2571000000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-21" decimals="-6" id="f-9056" unitRef="eur">2632000000</ifrs-full:ProvisionsForEmployeeBenefits>
    <bbva:OtherLongTermEmployeesBenefits contextRef="c-13" decimals="-6" id="f-9057" unitRef="eur">384000000</bbva:OtherLongTermEmployeesBenefits>
    <bbva:OtherLongTermEmployeesBenefits contextRef="c-20" decimals="-6" id="f-9058" unitRef="eur">435000000</bbva:OtherLongTermEmployeesBenefits>
    <bbva:OtherLongTermEmployeesBenefits contextRef="c-21" decimals="-6" id="f-9059" unitRef="eur">466000000</bbva:OtherLongTermEmployeesBenefits>
    <bbva:ConsolidatedIncomeStatementImpactTableTextBlock contextRef="c-1" id="f-9060">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The impact relating to benefit commitments on the consolidated income statement for the years 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.055%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.302%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.304%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Consolidated income statement impact (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest and other expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;444&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;342&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(356)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(311)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Personnel expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined contribution plan expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined benefit plan expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions or (reversal) of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Early retirement expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Past service cost expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Remeasurements &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(126)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other provision expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total impact on consolidated income statement: expense (income)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;355&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;352&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;116&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) 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 2.2.13).&lt;/span&gt;&lt;/div&gt;</bbva:ConsolidatedIncomeStatementImpactTableTextBlock>
    <bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments contextRef="c-1" decimals="-6" id="f-9061" unitRef="eur">138000000</bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments>
    <bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments contextRef="c-22" decimals="-6" id="f-9062" unitRef="eur">133000000</bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments>
    <bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments contextRef="c-23" decimals="-6" id="f-9063" unitRef="eur">75000000</bbva:InterestIncomeAndExpensePostEmploymentAndOtherEmployeeBenefitCommitments>
    <bbva:InterestExpensesBenefitCommitments contextRef="c-1" decimals="-6" id="f-9064" unitRef="eur">494000000</bbva:InterestExpensesBenefitCommitments>
    <bbva:InterestExpensesBenefitCommitments contextRef="c-22" decimals="-6" id="f-9065" unitRef="eur">444000000</bbva:InterestExpensesBenefitCommitments>
    <bbva:InterestExpensesBenefitCommitments contextRef="c-23" decimals="-6" id="f-9066" unitRef="eur">342000000</bbva:InterestExpensesBenefitCommitments>
    <bbva:InterestIncomeBenefitCommitments contextRef="c-1" decimals="-6" id="f-9067" unitRef="eur">-356000000</bbva:InterestIncomeBenefitCommitments>
    <bbva:InterestIncomeBenefitCommitments contextRef="c-22" decimals="-6" id="f-9068" unitRef="eur">-311000000</bbva:InterestIncomeBenefitCommitments>
    <bbva:InterestIncomeBenefitCommitments contextRef="c-23" decimals="-6" id="f-9069" unitRef="eur">-267000000</bbva:InterestIncomeBenefitCommitments>
    <bbva:PersonnelExpenseConsolidatedIncomeStatementImpact contextRef="c-1" decimals="-6" id="f-9070" unitRef="eur">215000000</bbva:PersonnelExpenseConsolidatedIncomeStatementImpact>
    <bbva:PersonnelExpenseConsolidatedIncomeStatementImpact contextRef="c-22" decimals="-6" id="f-9071" unitRef="eur">188000000</bbva:PersonnelExpenseConsolidatedIncomeStatementImpact>
    <bbva:PersonnelExpenseConsolidatedIncomeStatementImpact contextRef="c-23" decimals="-6" id="f-9072" unitRef="eur">130000000</bbva:PersonnelExpenseConsolidatedIncomeStatementImpact>
    <bbva:DefinedContributionPlanExpense contextRef="c-1" decimals="-6" id="f-9073" unitRef="eur">158000000</bbva:DefinedContributionPlanExpense>
    <bbva:DefinedContributionPlanExpense contextRef="c-22" decimals="-6" id="f-9074" unitRef="eur">139000000</bbva:DefinedContributionPlanExpense>
    <bbva:DefinedContributionPlanExpense contextRef="c-23" decimals="-6" id="f-9075" unitRef="eur">87000000</bbva:DefinedContributionPlanExpense>
    <bbva:DefinedBenefitPlansExpense contextRef="c-1" decimals="-6" id="f-9076" unitRef="eur">51000000</bbva:DefinedBenefitPlansExpense>
    <bbva:DefinedBenefitPlansExpense contextRef="c-22" decimals="-6" id="f-9077" unitRef="eur">49000000</bbva:DefinedBenefitPlansExpense>
    <bbva:DefinedBenefitPlansExpense contextRef="c-23" decimals="-6" id="f-9078" unitRef="eur">42000000</bbva:DefinedBenefitPlansExpense>
    <bbva:OtherPersonnelExpenseConsolidatedIncomeStatementImpact contextRef="c-1" decimals="-6" id="f-9079" unitRef="eur">6000000</bbva:OtherPersonnelExpenseConsolidatedIncomeStatementImpact>
    <bbva:OtherPersonnelExpenseConsolidatedIncomeStatementImpact contextRef="c-22" decimals="-6" id="f-9080" unitRef="eur">0</bbva:OtherPersonnelExpenseConsolidatedIncomeStatementImpact>
    <bbva:OtherPersonnelExpenseConsolidatedIncomeStatementImpact contextRef="c-23" decimals="-6" id="f-9081" unitRef="eur">0</bbva:OtherPersonnelExpenseConsolidatedIncomeStatementImpact>
    <bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments contextRef="c-1" decimals="-6" id="f-9082" unitRef="eur">3000000</bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments>
    <bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments contextRef="c-22" decimals="-6" id="f-9083" unitRef="eur">31000000</bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments>
    <bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments contextRef="c-23" decimals="-6" id="f-9084" unitRef="eur">-89000000</bbva:NetProvisionsPostEmploymentAndOtherEmployeeBenefitCommitments>
    <bbva:EarlyRetirementExpense contextRef="c-1" decimals="-6" id="f-9085" unitRef="eur">0</bbva:EarlyRetirementExpense>
    <bbva:EarlyRetirementExpense contextRef="c-22" decimals="-6" id="f-9086" unitRef="eur">0</bbva:EarlyRetirementExpense>
    <bbva:EarlyRetirementExpense contextRef="c-23" decimals="-6" id="f-9087" unitRef="eur">0</bbva:EarlyRetirementExpense>
    <bbva:PastServiceCostExpenseOnIncomeStatement contextRef="c-1" decimals="-6" id="f-9088" unitRef="eur">7000000</bbva:PastServiceCostExpenseOnIncomeStatement>
    <bbva:PastServiceCostExpenseOnIncomeStatement contextRef="c-22" decimals="-6" id="f-9089" unitRef="eur">36000000</bbva:PastServiceCostExpenseOnIncomeStatement>
    <bbva:PastServiceCostExpenseOnIncomeStatement contextRef="c-23" decimals="-6" id="f-9090" unitRef="eur">34000000</bbva:PastServiceCostExpenseOnIncomeStatement>
    <bbva:RemeasurementsOnIncomeStatement contextRef="c-1" decimals="-6" id="f-9091" unitRef="eur">-5000000</bbva:RemeasurementsOnIncomeStatement>
    <bbva:RemeasurementsOnIncomeStatement contextRef="c-22" decimals="-6" id="f-9092" unitRef="eur">-7000000</bbva:RemeasurementsOnIncomeStatement>
    <bbva:RemeasurementsOnIncomeStatement contextRef="c-23" decimals="-6" id="f-9093" unitRef="eur">-126000000</bbva:RemeasurementsOnIncomeStatement>
    <bbva:OtherProvisionExpenseImpactOnIncomeStatement contextRef="c-1" decimals="-6" id="f-9094" unitRef="eur">1000000</bbva:OtherProvisionExpenseImpactOnIncomeStatement>
    <bbva:OtherProvisionExpenseImpactOnIncomeStatement contextRef="c-22" decimals="-6" id="f-9095" unitRef="eur">2000000</bbva:OtherProvisionExpenseImpactOnIncomeStatement>
    <bbva:OtherProvisionExpenseImpactOnIncomeStatement contextRef="c-23" decimals="-6" id="f-9096" unitRef="eur">3000000</bbva:OtherProvisionExpenseImpactOnIncomeStatement>
    <bbva:TotalConsolidatedIncomeStatementImpact contextRef="c-1" decimals="-6" id="f-9097" unitRef="eur">355000000</bbva:TotalConsolidatedIncomeStatementImpact>
    <bbva:TotalConsolidatedIncomeStatementImpact contextRef="c-22" decimals="-6" id="f-9098" unitRef="eur">352000000</bbva:TotalConsolidatedIncomeStatementImpact>
    <bbva:TotalConsolidatedIncomeStatementImpact contextRef="c-23" decimals="-6" id="f-9099" unitRef="eur">116000000</bbva:TotalConsolidatedIncomeStatementImpact>
    <bbva:EquityImpactTableTextBlock contextRef="c-1" id="f-9100">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022 are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.769%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.611%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity impact (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined benefit plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(363)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Post-employment medical benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total impact on equity: debit (credit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(433)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:EquityImpactTableTextBlock>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-3561" decimals="-6" id="f-9101" unitRef="eur">218000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-3562" decimals="-6" id="f-9102" unitRef="eur">302000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-3563" decimals="-6" id="f-9103" unitRef="eur">-363000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-3564" decimals="-6" id="f-9104" unitRef="eur">-86000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-3565" decimals="-6" id="f-9105" unitRef="eur">12000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-3566" decimals="-6" id="f-9106" unitRef="eur">-71000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-13" decimals="-6" id="f-9107" unitRef="eur">132000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-20" decimals="-6" id="f-9108" unitRef="eur">314000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-21" decimals="-6" id="f-9109" unitRef="eur">-433000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:TotalImpactOnEquityDebitCredit contextRef="c-13" decimals="-6" id="f-9110" unitRef="eur">132000000</bbva:TotalImpactOnEquityDebitCredit>
    <bbva:DefinedBenefitsTableTextBlock contextRef="c-1" id="f-9111">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022 is presented below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.704%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.453%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.688%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Defined benefits (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,989&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,084&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,632&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;6,547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,988&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,560&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Interest income/expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;472&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;356&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;311&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;333&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;143&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(143)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;106&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Past service costs&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(330)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;128&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(741)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(501)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(330)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;330&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;240&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(362)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(362)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;248&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(564)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(230)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(334)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(655)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(424)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(676)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(184)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(492)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(467)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,348&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,989&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,419&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;5,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,084&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,964&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,546&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,399&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,385&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;271&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,988&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;286&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,426&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,329&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;97&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Turkey&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;567&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;488&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;363&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;418&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Including gains and losses arising from settlements.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Excluding interest, which is recorded under "Interest income or expense".&lt;/span&gt;&lt;/div&gt;</bbva:DefinedBenefitsTableTextBlock>
    <ifrs-full:AssetsLiabilitiesOfBenefitPlan contextRef="c-3567" decimals="-6" id="f-9112" unitRef="eur">5989000000</ifrs-full:AssetsLiabilitiesOfBenefitPlan>
    <ifrs-full:AssetsLiabilitiesOfBenefitPlan contextRef="c-3568" decimals="-6" id="f-9113" unitRef="eur">3419000000</ifrs-full:AssetsLiabilitiesOfBenefitPlan>
    <ifrs-full:AssetsLiabilitiesOfBenefitPlan contextRef="c-3569" decimals="-6" id="f-9114" unitRef="eur">2571000000</ifrs-full:AssetsLiabilitiesOfBenefitPlan>
    <ifrs-full:AssetsLiabilitiesOfBenefitPlan contextRef="c-3570" decimals="-6" id="f-9115" unitRef="eur">5715000000</ifrs-full:AssetsLiabilitiesOfBenefitPlan>
    <ifrs-full:AssetsLiabilitiesOfBenefitPlan contextRef="c-3571" decimals="-6" id="f-9116" unitRef="eur">3084000000</ifrs-full:AssetsLiabilitiesOfBenefitPlan>
    <ifrs-full:AssetsLiabilitiesOfBenefitPlan contextRef="c-3572" decimals="-6" id="f-9117" unitRef="eur">2632000000</ifrs-full:AssetsLiabilitiesOfBenefitPlan>
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    <bbva:ActuarialAssumptionsPercentageTableTextBlock contextRef="c-1" id="f-9301">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following table sets out the key actuarial assumptions used in the valuation of these commitments as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.938%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Actuarial assumptions (%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12.11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;25.60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10.68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #072146;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #072146;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Rate of salary increase&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27.80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;23.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15.86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Rate of pension increase&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3.92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21.94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4.41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Medical cost trend rate&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;30.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;26.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Mortality tables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;PER 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;EMSSA09&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;TUIK 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;PER 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;EMSSA09&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;TUIK 2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;PER 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;EMSSA09&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;TUIK 2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ActuarialAssumptionsPercentageTableTextBlock>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
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    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-3616"
      decimals="4"
      id="f-9303"
      unitRef="number">0.1211</ifrs-full:ActuarialAssumptionOfDiscountRates>
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      contextRef="c-3617"
      decimals="4"
      id="f-9304"
      unitRef="number">0.3102</ifrs-full:ActuarialAssumptionOfDiscountRates>
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      contextRef="c-3618"
      decimals="4"
      id="f-9305"
      unitRef="number">0.0343</ifrs-full:ActuarialAssumptionOfDiscountRates>
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      contextRef="c-3619"
      decimals="4"
      id="f-9306"
      unitRef="number">0.1044</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-3620"
      decimals="4"
      id="f-9307"
      unitRef="number">0.2560</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-3621"
      decimals="4"
      id="f-9308"
      unitRef="number">0.0391</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-3622"
      decimals="4"
      id="f-9309"
      unitRef="number">0.1068</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-3623"
      decimals="4"
      id="f-9310"
      unitRef="number">0.1779</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-3615"
      decimals="4"
      id="f-9311"
      unitRef="number">0</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-3616"
      decimals="4"
      id="f-9312"
      unitRef="number">0.0450</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-3617"
      decimals="4"
      id="f-9313"
      unitRef="number">0.2780</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-3618"
      decimals="4"
      id="f-9314"
      unitRef="number">0</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-3619"
      decimals="4"
      id="f-9315"
      unitRef="number">0.0450</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-3620"
      decimals="4"
      id="f-9316"
      unitRef="number">0.2344</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-3621"
      decimals="4"
      id="f-9317"
      unitRef="number">0</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-3622"
      decimals="4"
      id="f-9318"
      unitRef="number">0.0450</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-3623"
      decimals="4"
      id="f-9319"
      unitRef="number">0.1586</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-3615"
      decimals="4"
      id="f-9320"
      unitRef="number">0</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-3616"
      decimals="4"
      id="f-9321"
      unitRef="number">0.0392</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-3617"
      decimals="4"
      id="f-9322"
      unitRef="number">0.2630</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-3618"
      decimals="4"
      id="f-9323"
      unitRef="number">0</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-3619"
      decimals="4"
      id="f-9324"
      unitRef="number">0.0414</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-3620"
      decimals="4"
      id="f-9325"
      unitRef="number">0.2194</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-3621"
      decimals="4"
      id="f-9326"
      unitRef="number">0</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-3622"
      decimals="4"
      id="f-9327"
      unitRef="number">0.0441</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-3623"
      decimals="4"
      id="f-9328"
      unitRef="number">0.1436</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-3615"
      decimals="4"
      id="f-9329"
      unitRef="number">0</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-3616"
      decimals="4"
      id="f-9330"
      unitRef="number">0.0800</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-3617"
      decimals="4"
      id="f-9331"
      unitRef="number">0.3050</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-3618"
      decimals="4"
      id="f-9332"
      unitRef="number">0</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-3619"
      decimals="4"
      id="f-9333"
      unitRef="number">0.0804</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-3620"
      decimals="4"
      id="f-9334"
      unitRef="number">0.2614</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-3621"
      decimals="4"
      id="f-9335"
      unitRef="number">0</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-3622"
      decimals="4"
      id="f-9336"
      unitRef="number">0.0804</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-3623"
      decimals="4"
      id="f-9337"
      unitRef="number">0.1856</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <bbva:MortalityTables contextRef="c-3624" id="f-9338">PER 2020</bbva:MortalityTables>
    <bbva:MortalityTables contextRef="c-3625" id="f-9339">EMSSA09</bbva:MortalityTables>
    <bbva:MortalityTables contextRef="c-3626" id="f-9340">TUIK 2022</bbva:MortalityTables>
    <bbva:MortalityTables contextRef="c-3627" id="f-9341">PER 2020</bbva:MortalityTables>
    <bbva:MortalityTables contextRef="c-3628" id="f-9342">EMSSA09</bbva:MortalityTables>
    <bbva:MortalityTables contextRef="c-3629" id="f-9343">TUIK 2019</bbva:MortalityTables>
    <bbva:MortalityTables contextRef="c-3630" id="f-9344">PER 2020</bbva:MortalityTables>
    <bbva:MortalityTables contextRef="c-3631" id="f-9345">EMSSA09</bbva:MortalityTables>
    <bbva:MortalityTables contextRef="c-3632" id="f-9346">TUIK 2019</bbva:MortalityTables>
    <bbva:SensitivityAnalysisTableTextBlock contextRef="c-1" id="f-9347">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.123%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.073%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.167%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Sensitivity analysis (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Basis points change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:17pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Decrease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Decrease&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(213)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;232&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(265)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;350&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Rate of salary increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Rate of pension increase&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Medical cost trend rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(93)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;141&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(126)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Change in obligation from each additional year of longevity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #FFFFFF;border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;120&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:SensitivityAnalysisTableTextBlock>
    <bbva:BasisPointsChangeSensitivityAnalysis contextRef="c-3633" decimals="4" id="f-9348" unitRef="rate">0.0050</bbva:BasisPointsChangeSensitivityAnalysis>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3634" decimals="-6" id="f-9349" unitRef="eur">-213000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3634" decimals="-6" id="f-9350" unitRef="eur">232000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3635" decimals="-6" id="f-9351" unitRef="eur">-265000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3635" decimals="-6" id="f-9352" unitRef="eur">291000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3636" decimals="-6" id="f-9353" unitRef="eur">-321000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3636" decimals="-6" id="f-9354" unitRef="eur">350000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:BasisPointsChangeSensitivityAnalysis contextRef="c-3637" decimals="4" id="f-9355" unitRef="rate">0.0050</bbva:BasisPointsChangeSensitivityAnalysis>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3638" decimals="-6" id="f-9356" unitRef="eur">4000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3638" decimals="-6" id="f-9357" unitRef="eur">-4000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3639" decimals="-6" id="f-9358" unitRef="eur">4000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3639" decimals="-6" id="f-9359" unitRef="eur">-4000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3640" decimals="-6" id="f-9360" unitRef="eur">1000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3640" decimals="-6" id="f-9361" unitRef="eur">-1000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:BasisPointsChangeSensitivityAnalysis contextRef="c-3641" decimals="4" id="f-9362" unitRef="rate">0.0050</bbva:BasisPointsChangeSensitivityAnalysis>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3642" decimals="-6" id="f-9363" unitRef="eur">27000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3642" decimals="-6" id="f-9364" unitRef="eur">-26000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3643" decimals="-6" id="f-9365" unitRef="eur">34000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3643" decimals="-6" id="f-9366" unitRef="eur">-32000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3644" decimals="-6" id="f-9367" unitRef="eur">32000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3644" decimals="-6" id="f-9368" unitRef="eur">-39000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:BasisPointsChangeSensitivityAnalysis contextRef="c-3645" decimals="4" id="f-9369" unitRef="rate">0.0050</bbva:BasisPointsChangeSensitivityAnalysis>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3646" decimals="-6" id="f-9370" unitRef="eur">102000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3646" decimals="-6" id="f-9371" unitRef="eur">-93000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3647" decimals="-6" id="f-9372" unitRef="eur">141000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3647" decimals="-6" id="f-9373" unitRef="eur">-126000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3648" decimals="-6" id="f-9374" unitRef="eur">119000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3648" decimals="-6" id="f-9375" unitRef="eur">-106000000</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:BasisPointsChangeSensitivityAnalysis
      contextRef="c-3649"
      id="f-9376"
      unitRef="rate"
      xsi:nil="true"/>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3650" decimals="-6" id="f-9377" unitRef="eur">120000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3650" decimals="-6" id="f-9378" unitRef="eur">0</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3651" decimals="-6" id="f-9379" unitRef="eur">134000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3651" decimals="-6" id="f-9380" unitRef="eur">0</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3652" decimals="-6" id="f-9381" unitRef="eur">113000000</ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption contextRef="c-3652" decimals="-6" id="f-9382" unitRef="eur">0</bbva:DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <ifrs-full:OtherLongtermProvisions contextRef="c-13" decimals="-6" id="f-9383" unitRef="eur">384000000</ifrs-full:OtherLongtermProvisions>
    <ifrs-full:OtherLongtermProvisions contextRef="c-20" decimals="-6" id="f-9384" unitRef="eur">435000000</ifrs-full:OtherLongtermProvisions>
    <ifrs-full:OtherLongtermProvisions contextRef="c-21" decimals="-6" id="f-9385" unitRef="eur">466000000</ifrs-full:OtherLongtermProvisions>
    <bbva:PostEmploymentCommitmentsTableTextBlock contextRef="c-1" id="f-9386">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The change in the benefit plan obligations and plan assets during the year ended December 31, 2024 was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.019%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Post-employment commitments 2024 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;435&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Past service costs &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(341)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(109)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(177)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;567&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;260&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Vested benefit obligation relating to current employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;border-right:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Vested benefit obligation relating to retired employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#A7A7A7;border-right:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Plan Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;958&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;363&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;224&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Past service costs&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(125)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(125)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;748&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;234&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;311&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;69&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Past service costs&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;125&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,964&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;377&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) Including gains and losses arising from settlements.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Excluding interest, which is recorded under "Interest income or expense".&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The change in net liabilities (assets) during the years ended December 31, 2023 and 2022 was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:39.732%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.295%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Post-employment commitments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023: Net liability (assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022: Net liability (assets)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,399&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;3,464&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Past service costs &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(643)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;152&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;62&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(129)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;45&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(104)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;121&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:13.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:13.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(643)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;82&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;text-indent:13.5pt;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gains and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;122&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(379)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(484)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Conversions to defined contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;311&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2,399&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Includes gains and losses from settlements.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Excludes interest which is reflected in the line item &#x201c;Interest income and expense&#x201d;.&lt;/span&gt;&lt;/div&gt;</bbva:PostEmploymentCommitmentsTableTextBlock>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-3653" decimals="-6" id="f-9387" unitRef="eur">2310000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-3654" decimals="-6" id="f-9388" unitRef="eur">1269000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-3655" decimals="-6" id="f-9389" unitRef="eur">435000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-3656" decimals="-6" id="f-9390" unitRef="eur">247000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3657" decimals="-6" id="f-9391" unitRef="eur">4000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3658" decimals="-6" id="f-9392" unitRef="eur">10000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3659" decimals="-6" id="f-9393" unitRef="eur">18000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3660" decimals="-6" id="f-9394" unitRef="eur">3000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3661" decimals="-6" id="f-9395" unitRef="eur">73000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3662" decimals="-6" id="f-9396" unitRef="eur">118000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3663" decimals="-6" id="f-9397" unitRef="eur">105000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3664" decimals="-6" id="f-9398" unitRef="eur">9000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3665" decimals="-6" id="f-9399" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3666" decimals="-6" id="f-9400" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3667" decimals="-6" id="f-9401" unitRef="eur">14000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3668" decimals="-6" id="f-9402" unitRef="eur">2000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3669" decimals="-6" id="f-9403" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3670" decimals="-6" id="f-9404" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3671" decimals="-6" id="f-9405" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3672" decimals="-6" id="f-9406" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3673" decimals="-6" id="f-9407" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3674" decimals="-6" id="f-9408" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3675" decimals="-6" id="f-9409" unitRef="eur">3000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3676" decimals="-6" id="f-9410" unitRef="eur">4000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3677" decimals="-6" id="f-9411" unitRef="eur">24000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3678" decimals="-6" id="f-9412" unitRef="eur">14000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3679" decimals="-6" id="f-9413" unitRef="eur">83000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3680" decimals="-6" id="f-9414" unitRef="eur">9000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3681" decimals="-6" id="f-9415" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3682" decimals="-6" id="f-9416" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3683" decimals="-6" id="f-9417" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3684" decimals="-6" id="f-9418" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3685" decimals="-6" id="f-9419" unitRef="eur">0</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
    <bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear contextRef="c-3686" decimals="-6" id="f-9420" unitRef="eur">2000000</bbva:DefinedBenefitObligationAtPresentValueChangesOfTheYear>
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    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3826" decimals="-6" id="f-9704" unitRef="eur">-1000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3827" decimals="-6" id="f-9705" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3828" decimals="-6" id="f-9706" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3829" decimals="-6" id="f-9707" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3830" decimals="-6" id="f-9708" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3831" decimals="-6" id="f-9709" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3832" decimals="-6" id="f-9710" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3833" decimals="-6" id="f-9711" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3834" decimals="-6" id="f-9712" unitRef="eur">-1000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3835" decimals="-6" id="f-9713" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3836" decimals="-6" id="f-9714" unitRef="eur">-139000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3837" decimals="-6" id="f-9715" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3838" decimals="-6" id="f-9716" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3839" decimals="-6" id="f-9717" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3840" decimals="-6" id="f-9718" unitRef="eur">15000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3841" decimals="-6" id="f-9719" unitRef="eur">-40000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3842" decimals="-6" id="f-9720" unitRef="eur">1000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3843" decimals="-6" id="f-9721" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3844" decimals="-6" id="f-9722" unitRef="eur">13000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3845" decimals="-6" id="f-9723" unitRef="eur">-18000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3846" decimals="-6" id="f-9724" unitRef="eur">-3000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3847" decimals="-6" id="f-9725" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3848" decimals="-6" id="f-9726" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3849" decimals="-6" id="f-9727" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3850" decimals="-6" id="f-9728" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3851" decimals="-6" id="f-9729" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3852" decimals="-6" id="f-9730" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3853" decimals="-6" id="f-9731" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3854" decimals="-6" id="f-9732" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3855" decimals="-6" id="f-9733" unitRef="eur">6000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3856" decimals="-6" id="f-9734" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3857" decimals="-6" id="f-9735" unitRef="eur">-14000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3858" decimals="-6" id="f-9736" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3859" decimals="-6" id="f-9737" unitRef="eur">7000000</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3860" decimals="-6" id="f-9738" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3861" decimals="-6" id="f-9739" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <bbva:NetLiabilityAssetChangesOfTheYear contextRef="c-3862" decimals="-6" id="f-9740" unitRef="eur">0</bbva:NetLiabilityAssetChangesOfTheYear>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-3653" decimals="-6" id="f-9741" unitRef="eur">2181000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-3654" decimals="-6" id="f-9742" unitRef="eur">311000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-3655" decimals="-6" id="f-9743" unitRef="eur">72000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-3656" decimals="-6" id="f-9744" unitRef="eur">23000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-3727" decimals="-6" id="f-9745" unitRef="eur">2399000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-3728" decimals="-6" id="f-9746" unitRef="eur">132000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-3729" decimals="-6" id="f-9747" unitRef="eur">103000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-3730" decimals="-6" id="f-9748" unitRef="eur">25000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <bbva:MedicalBenefitsCommitmentsTableTextBlock contextRef="c-1" id="f-9749">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The change in defined benefit obligations and plan assets during the years 2024, 2023 and 2022 was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.402%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Medical benefits commitments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Defined benefit obligation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Net liability (asset)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,448&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,377&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(116)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Interest income or expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Contributions by plan participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Employer contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Past service costs &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Remeasurements:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(333)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(215)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-indent:13.5pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Return on plan assets &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in demographic assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;From changes in financial assumptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(293)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(293)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other actuarial gain and losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Benefit payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Settlement payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Business combinations and disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Effect on changes in foreign exchange rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(243)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Other effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,367&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(98)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,448&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Including gains and losses arising from settlements.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Excluding interest, which is recorded under "Interest income or expense".&lt;/span&gt;&lt;/div&gt;</bbva:MedicalBenefitsCommitmentsTableTextBlock>
    <bbva:MedicalBenefitsCommitments contextRef="c-3863" decimals="-6" id="f-9750" unitRef="eur">1728000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3864" decimals="-6" id="f-9751" unitRef="eur">1744000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3865" decimals="-6" id="f-9752" unitRef="eur">-16000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3866" decimals="-6" id="f-9753" unitRef="eur">1448000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3867" decimals="-6" id="f-9754" unitRef="eur">1476000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3868" decimals="-6" id="f-9755" unitRef="eur">-28000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3869" decimals="-6" id="f-9756" unitRef="eur">1377000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3870" decimals="-6" id="f-9757" unitRef="eur">1494000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3871" decimals="-6" id="f-9758" unitRef="eur">-116000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3872" decimals="-6" id="f-9759" unitRef="eur">18000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3873" decimals="-6" id="f-9760" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3874" decimals="-6" id="f-9761" unitRef="eur">18000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3875" decimals="-6" id="f-9762" unitRef="eur">20000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3876" decimals="-6" id="f-9763" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3877" decimals="-6" id="f-9764" unitRef="eur">20000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3878" decimals="-6" id="f-9765" unitRef="eur">19000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3879" decimals="-6" id="f-9766" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3880" decimals="-6" id="f-9767" unitRef="eur">19000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3881" decimals="-6" id="f-9768" unitRef="eur">167000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3882" decimals="-6" id="f-9769" unitRef="eur">168000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3883" decimals="-6" id="f-9770" unitRef="eur">-2000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3884" decimals="-6" id="f-9771" unitRef="eur">167000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3885" decimals="-6" id="f-9772" unitRef="eur">165000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3886" decimals="-6" id="f-9773" unitRef="eur">2000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3887" decimals="-6" id="f-9774" unitRef="eur">144000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3888" decimals="-6" id="f-9775" unitRef="eur">157000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3889" decimals="-6" id="f-9776" unitRef="eur">-14000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3890" decimals="-6" id="f-9777" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3891" decimals="-6" id="f-9778" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3892" decimals="-6" id="f-9779" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3893" decimals="-6" id="f-9780" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3894" decimals="-6" id="f-9781" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3895" decimals="-6" id="f-9782" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3896" decimals="-6" id="f-9783" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3897" decimals="-6" id="f-9784" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3898" decimals="-6" id="f-9785" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3899" decimals="-6" id="f-9786" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3900" decimals="-6" id="f-9787" unitRef="eur">15000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3901" decimals="-6" id="f-9788" unitRef="eur">-15000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3902" decimals="-6" id="f-9789" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3903" decimals="-6" id="f-9790" unitRef="eur">17000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3904" decimals="-6" id="f-9791" unitRef="eur">-17000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3905" decimals="-6" id="f-9792" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3906" decimals="-6" id="f-9793" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3907" decimals="-6" id="f-9794" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3908" decimals="-6" id="f-9795" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3909" decimals="-6" id="f-9796" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3910" decimals="-6" id="f-9797" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3911" decimals="-6" id="f-9798" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3912" decimals="-6" id="f-9799" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3913" decimals="-6" id="f-9800" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3914" decimals="-6" id="f-9801" unitRef="eur">28000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3915" decimals="-6" id="f-9802" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3916" decimals="-6" id="f-9803" unitRef="eur">28000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3917" decimals="-6" id="f-9804" unitRef="eur">-333000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3918" decimals="-6" id="f-9805" unitRef="eur">-247000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3919" decimals="-6" id="f-9806" unitRef="eur">-86000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3920" decimals="-6" id="f-9807" unitRef="eur">-5000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3921" decimals="-6" id="f-9808" unitRef="eur">-17000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3922" decimals="-6" id="f-9809" unitRef="eur">12000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3923" decimals="-6" id="f-9810" unitRef="eur">-215000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3924" decimals="-6" id="f-9811" unitRef="eur">-144000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3925" decimals="-6" id="f-9812" unitRef="eur">-71000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3926" decimals="-6" id="f-9813" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3927" decimals="-6" id="f-9814" unitRef="eur">-247000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3928" decimals="-6" id="f-9815" unitRef="eur">247000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3929" decimals="-6" id="f-9816" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3930" decimals="-6" id="f-9817" unitRef="eur">-17000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3931" decimals="-6" id="f-9818" unitRef="eur">17000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3932" decimals="-6" id="f-9819" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3933" decimals="-6" id="f-9820" unitRef="eur">-144000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3934" decimals="-6" id="f-9821" unitRef="eur">144000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3935" decimals="-6" id="f-9822" unitRef="eur">15000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3936" decimals="-6" id="f-9823" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3937" decimals="-6" id="f-9824" unitRef="eur">15000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3938" decimals="-6" id="f-9825" unitRef="eur">-70000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3939" decimals="-6" id="f-9826" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3940" decimals="-6" id="f-9827" unitRef="eur">-70000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3941" decimals="-6" id="f-9828" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3942" decimals="-6" id="f-9829" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3943" decimals="-6" id="f-9830" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3944" decimals="-6" id="f-9831" unitRef="eur">-293000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3945" decimals="-6" id="f-9832" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3946" decimals="-6" id="f-9833" unitRef="eur">-293000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3947" decimals="-6" id="f-9834" unitRef="eur">56000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3948" decimals="-6" id="f-9835" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3949" decimals="-6" id="f-9836" unitRef="eur">56000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3950" decimals="-6" id="f-9837" unitRef="eur">-191000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3951" decimals="-6" id="f-9838" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3952" decimals="-6" id="f-9839" unitRef="eur">-191000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3953" decimals="-6" id="f-9840" unitRef="eur">-55000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3954" decimals="-6" id="f-9841" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3955" decimals="-6" id="f-9842" unitRef="eur">-55000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3956" decimals="-6" id="f-9843" unitRef="eur">8000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3957" decimals="-6" id="f-9844" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3958" decimals="-6" id="f-9845" unitRef="eur">8000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3959" decimals="-6" id="f-9846" unitRef="eur">-23000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3960" decimals="-6" id="f-9847" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3961" decimals="-6" id="f-9848" unitRef="eur">-23000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3962" decimals="-6" id="f-9849" unitRef="eur">-71000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3963" decimals="-6" id="f-9850" unitRef="eur">-70000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3964" decimals="-6" id="f-9851" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3965" decimals="-6" id="f-9852" unitRef="eur">-70000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3966" decimals="-6" id="f-9853" unitRef="eur">-70000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3967" decimals="-6" id="f-9854" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3968" decimals="-6" id="f-9855" unitRef="eur">-60000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3969" decimals="-6" id="f-9856" unitRef="eur">-60000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3970" decimals="-6" id="f-9857" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3971" decimals="-6" id="f-9858" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3972" decimals="-6" id="f-9859" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3973" decimals="-6" id="f-9860" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3974" decimals="-6" id="f-9861" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3975" decimals="-6" id="f-9862" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3976" decimals="-6" id="f-9863" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3977" decimals="-6" id="f-9864" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3978" decimals="-6" id="f-9865" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3979" decimals="-6" id="f-9866" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3980" decimals="-6" id="f-9867" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3981" decimals="-6" id="f-9868" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3982" decimals="-6" id="f-9869" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3983" decimals="-6" id="f-9870" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3984" decimals="-6" id="f-9871" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3985" decimals="-6" id="f-9872" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3986" decimals="-6" id="f-9873" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3987" decimals="-6" id="f-9874" unitRef="eur">-139000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3988" decimals="-6" id="f-9875" unitRef="eur">139000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3989" decimals="-6" id="f-9876" unitRef="eur">-240000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3990" decimals="-6" id="f-9877" unitRef="eur">-243000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3991" decimals="-6" id="f-9878" unitRef="eur">3000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3992" decimals="-6" id="f-9879" unitRef="eur">168000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3993" decimals="-6" id="f-9880" unitRef="eur">173000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3994" decimals="-6" id="f-9881" unitRef="eur">-5000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3995" decimals="-6" id="f-9882" unitRef="eur">155000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3996" decimals="-6" id="f-9883" unitRef="eur">167000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3997" decimals="-6" id="f-9884" unitRef="eur">-11000000</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3998" decimals="-6" id="f-9885" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-3999" decimals="-6" id="f-9886" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-4000" decimals="-6" id="f-9887" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-4001" decimals="-6" id="f-9888" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-4002" decimals="-6" id="f-9889" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-4003" decimals="-6" id="f-9890" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-4004" decimals="-6" id="f-9891" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-4005" decimals="-6" id="f-9892" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitmentsChangesOfTheYear contextRef="c-4006" decimals="-6" id="f-9893" unitRef="eur">0</bbva:MedicalBenefitsCommitmentsChangesOfTheYear>
    <bbva:MedicalBenefitsCommitments contextRef="c-4007" decimals="-6" id="f-9894" unitRef="eur">1269000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-4008" decimals="-6" id="f-9895" unitRef="eur">1367000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-4009" decimals="-6" id="f-9896" unitRef="eur">-98000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3863" decimals="-6" id="f-9897" unitRef="eur">1728000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3864" decimals="-6" id="f-9898" unitRef="eur">1744000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3865" decimals="-6" id="f-9899" unitRef="eur">-16000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3866" decimals="-6" id="f-9900" unitRef="eur">1448000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3867" decimals="-6" id="f-9901" unitRef="eur">1476000000</bbva:MedicalBenefitsCommitments>
    <bbva:MedicalBenefitsCommitments contextRef="c-3868" decimals="-6" id="f-9902" unitRef="eur">-28000000</bbva:MedicalBenefitsCommitments>
    <bbva:EstimatedBenefitPaymentsTableTextBlock contextRef="c-1" id="f-9903">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, the estimated benefit payments over the next ten years for all the entities in Spain, Mexico and Turkey are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Estimated benefit payments (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2030 - 2034&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commitments in Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;278&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;242&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;618&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commitments in Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;196&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;207&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;225&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;235&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,331&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commitments in Turkey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;696&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;645&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;514&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;495&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;477&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,645&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:EstimatedBenefitPaymentsTableTextBlock>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4010" decimals="-6" id="f-9904" unitRef="eur">422000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4011" decimals="-6" id="f-9905" unitRef="eur">278000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4012" decimals="-6" id="f-9906" unitRef="eur">242000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4013" decimals="-6" id="f-9907" unitRef="eur">210000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4014" decimals="-6" id="f-9908" unitRef="eur">181000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4015" decimals="-6" id="f-9909" unitRef="eur">618000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4016" decimals="-6" id="f-9910" unitRef="eur">196000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4017" decimals="-6" id="f-9911" unitRef="eur">207000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4018" decimals="-6" id="f-9912" unitRef="eur">215000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4019" decimals="-6" id="f-9913" unitRef="eur">225000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4020" decimals="-6" id="f-9914" unitRef="eur">235000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4021" decimals="-6" id="f-9915" unitRef="eur">1331000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4022" decimals="-6" id="f-9916" unitRef="eur">28000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4023" decimals="-6" id="f-9917" unitRef="eur">30000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4024" decimals="-6" id="f-9918" unitRef="eur">37000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4025" decimals="-6" id="f-9919" unitRef="eur">47000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4026" decimals="-6" id="f-9920" unitRef="eur">60000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4027" decimals="-6" id="f-9921" unitRef="eur">696000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4028" decimals="-6" id="f-9922" unitRef="eur">645000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4029" decimals="-6" id="f-9923" unitRef="eur">514000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4030" decimals="-6" id="f-9924" unitRef="eur">495000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4031" decimals="-6" id="f-9925" unitRef="eur">482000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4032" decimals="-6" id="f-9926" unitRef="eur">477000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan contextRef="c-4033" decimals="-6" id="f-9927" unitRef="eur">2645000000</ifrs-full:EstimateOfBenefitPaymentsExpectedToBePaidFromDefinedBenefitPlan>
    <bbva:PlanAssetsBreakdownTableTextBlock contextRef="c-1" id="f-9928">&lt;div style="margin-bottom:4pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The table below shows the allocation of plan assets of the main companies of the BBVA Group as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.345%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Plan assets breakdown (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;86&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities (government bonds)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,270&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Structured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,349&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,622&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Bank account in BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Debt securities issued by BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Property occupied by BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:PlanAssetsBreakdownTableTextBlock>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4034" decimals="-6" id="f-9929" unitRef="eur">60000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4035" decimals="-6" id="f-9930" unitRef="eur">86000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4036" decimals="-6" id="f-9931" unitRef="eur">169000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4037" decimals="-6" id="f-9932" unitRef="eur">2267000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4038" decimals="-6" id="f-9933" unitRef="eur">2818000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4039" decimals="-6" id="f-9934" unitRef="eur">2270000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4040" decimals="-6" id="f-9935" unitRef="eur">1000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4041" decimals="-6" id="f-9936" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4042" decimals="-6" id="f-9937" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4043" decimals="-6" id="f-9938" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4044" decimals="-6" id="f-9939" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4045" decimals="-6" id="f-9940" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4046" decimals="-6" id="f-9941" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4047" decimals="-6" id="f-9942" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4048" decimals="-6" id="f-9943" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4049" decimals="-6" id="f-9944" unitRef="eur">21000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4050" decimals="-6" id="f-9945" unitRef="eur">21000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4051" decimals="-6" id="f-9946" unitRef="eur">183000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4052" decimals="-6" id="f-9947" unitRef="eur">2349000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4053" decimals="-6" id="f-9948" unitRef="eur">2924000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4054" decimals="-6" id="f-9949" unitRef="eur">2622000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4055" decimals="-6" id="f-9950" unitRef="eur">25000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4056" decimals="-6" id="f-9951" unitRef="eur">23000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4057" decimals="-6" id="f-9952" unitRef="eur">7000000</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4058" decimals="-6" id="f-9953" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4059" decimals="-6" id="f-9954" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4060" decimals="-6" id="f-9955" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4061" decimals="-6" id="f-9956" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4062" decimals="-6" id="f-9957" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <ifrs-full:AssetsOfBenefitPlan contextRef="c-4063" decimals="-6" id="f-9958" unitRef="eur">0</ifrs-full:AssetsOfBenefitPlan>
    <bbva:InvestmentsInListedMarketsTableTextBlock contextRef="c-1" id="f-9959">&lt;div style="margin-bottom:7pt;margin-top:7pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The following table provides details of investments in listed securities (Level 1) as of December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.345%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.084%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Investments in listed markets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;86&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities (Government bonds)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,267&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,818&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,270&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,328&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,904&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,439&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Bank account in BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Debt securities issued by BBVA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: Property occupied by BBVA&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:InvestmentsInListedMarketsTableTextBlock>
    <bbva:InvestmentInListedMarkets contextRef="c-4064" decimals="-6" id="f-9960" unitRef="eur">60000000</bbva:InvestmentInListedMarkets>
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    <bbva:DisclosureOfCapitalTextBlock contextRef="c-1" id="f-9981">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Capital&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024 and 2023 BBVA&#x2019;s share capital amounted to &#x20ac;2,824,009,877.85 and &#x20ac;2,860,590,786.20 divided into 5,763,285,465 and 5,837,940,380 shares, respectively; while as of December 31, 2022 BBVA&#x2019;s share capital amounted to &#x20ac;2.954.757.116,36 divided into 6.030.116.564 shares. These decreases have been the result of the partial execution of the share capital reduction resolution adopted by the Ordinary Annual General Shareholders' Meeting of BBVA held on March 15, 2024, under item 3 of the agenda notified on May 24, 2024; of the partial executions of the share capital reduction resolution adopted by the Ordinary Annual General Shareholders' Meeting of BBVA held on March 17, 2023, under item 3 of the agenda notified on June 2, 2023 and on December 19, 2023; and of the partial executions of the share capital reduction resolution adopted by the Annual 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).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the shares were fully subscribed and paid-up, of the same class and series, of &#x20ac;0.49 par value each, and represented through book-entry accounts. All of the Bank&#xb4;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&#x2019;s capital.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Bank&#x2019;s shares are traded on the stock markets of Madrid, Barcelona, Bilbao and Valencia through the Sistema de Interconexi&#xf3;n Burs&#xe1;til Espa&#xf1;ol (Mercado Continuo), 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 &#x201c;BBVA&#x201d;. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, as of December 31, 2024, 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 (&#x201c;DR&#x201d;) of Garanti BBVA, A.S. are listed in the London Stock Exchange. BBVA is also currently included, amongst other indexes, in the IBEX 35&#xae; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, State Street Bank and Trust Company, JPMorgan Chase, The Bank of New York Mellon and Northern Trust Company, in their capacity as international custodian/depositary banks, held 13.82%, 12.57%, 10.76%, and 3.25% 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On February 5, 2024, BlackRock, Inc. reported to the SEC that it beneficially owned 7.2% of BBVA&#x2019;s common stock. On November 25, 2024, Europacific Growth Fund reported to the CNMV that it had a direct holding of 3.010% of BBVA&#x2019;s common stock. On March 26, 2024, Capital Research and Management Company reported to the CNMV that it indirectly had voting power over 5.027% of BBVA&#x2019;s common stock. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 Shareholders' 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Resolutions adopted by the Annual General Shareholders' Meeting &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Capital increase&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 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 convertible securities (other than contingently convertible securities, envisaged to meet regulatory requirements for their eligibility as capital instruments (CoCo)) as resolved by BBVA's Annual General Shareholders' Meeting held on March 18, 2022 under agenda item five and which is described in Note 22.4.1 (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 Shareholders' Meeting held on March 17, 2017 under its agenda item four, which BBVA did not use. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of the date of preparation of these Consolidated Financial Statements, the Bank has not made use of the delegation granted by the General Shareholders' Meeting.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Extraordinary General Shareholders' Meeting of BBVA held on July 5, 2024 resolved, under item one of the agenda, to authorize an increase in BBVA&#x2019;s share capital for up to a maximum nominal amount of &#x20ac;551,906,524.05 by issuing and putting into circulation up to 1,126,339,845 ordinary shares with a par value of &#x20ac;0.49 each, of the same class and series, and with the same rights as the outstanding shares at such date, represented in book-entry form, with non-cash contributions for the purposes of covering the consideration of the voluntary tender offer for the acquisition of up to 100% of the shares of Banco de Sabadell, S.A. announced by BBVA (see Note 3). This capital increase has not been executed as of the date of preparation of these Consolidated Financial Statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Capital Decrease&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 Annual General Shareholders' Meeting held on March 16, 2018 under item three of the agenda, and those that were acquired by virtue of the authorization granted by the General Shareholders' Meeting held on March 18, 2022 under item six of the agenda, from that date, through any mechanism whose objective or purpose is redemption. Pursuant to the resolution, its implementation period ended on the date of the following 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the execution of said resolution (see Note 4), BBVA has executed the following share capital reductions: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On June 15, 2022, BBVA notified the partial execution of the resolution through the reduction of BBVA&#x2019;s share capital in a nominal amount of &#x20ac;137,797,167.90 and the consequent redemption, charged to unrestricted reserves, of 281,218,710 own shares of &#x20ac;0.49 par value each acquired derivatively by the Bank in execution of the First Tranche of the Program Scheme and which were held as treasury shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On September 30, 2022, BBVA notified the second partial execution of the resolution through the reduction of BBVA&#x2019;s share capital in a nominal amount of &#x20ac;174,710,139.94 and the consequent redemption, charged to unrestricted reserves, of 356,551,306 own shares of &#x20ac;0.49 par value each acquired derivatively by the Bank in execution of the Second Tranche of the Program Scheme and which were held as treasury shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA's Annual General Shareholders' Meeting held on March 17, 2023 resolved, under agenda item three, 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 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. Pursuant to the resolution, its implementation period ended on the date of the following 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 March 18, 2022, under agenda item seven, whose executions are described above.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the execution of said resolution, (see Note 4), BBVA has executed the following share capital reductions: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On June 2, 2023, BBVA notified the partial execution of the resolution through the reduction of BBVA&#x2019;s share capital in a nominal amount of &#x20ac;31,675,343.91 and the consequent redemption, charged to unrestricted reserves, of 64,643,559 own shares of &#x20ac;0.49 par value each acquired derivatively by the Bank in execution of a share buyback program and which were held as treasury shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On December 19, 2023, BBVA notified the second partial execution of the resolution through the reduction of BBVA&#x2019;s share capital in a nominal amount of &#x20ac;62,490,986.25 and the consequent redemption, charged to unrestricted reserves, of 127,532,625 own shares of &#x20ac;0.49 par value each acquired derivatively by the Bank in execution of a share buyback program and which were held as treasury share.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA Annual General Shareholders' Meeting held on March 15, 2024 resolved, under agenda item three, 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 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. Pursuant to the resolution, its implementation period will end on the date of the following 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 March 17, 2023, under agenda item three, whose executions are described above. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the execution of the Annual General Shareholders' Meeting held on March 15, 2024, BBVA has executed the following share capital reduction (see Note 4):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;On May 24, 2024 BBVA notified the partial execution of the resolution through the reduction of BBVA's share capital in a nominal amount of &#x20ac;36,580,908.35 and the consequent redemption, charged to unrestricted reserves, of 74,654,915 own shares of &#x20ac;0.49 par value each acquired derivatively by the Bank in execution of a share buyback program and which were held as treasury shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:133%"&gt;Convertible and/or exchangeable securities:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Note 22.4 introduces the details of the convertible and/or exchangeable securities.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfCapitalTextBlock>
    <bbva:DisclosureOfSharePremiumTextBlock contextRef="c-1" id="f-9982">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Share premium&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;As of December 31, 2024, the balance under this heading in the consolidated balance sheets was &#x20ac;19,184 million. As of December 31, 2023 and 2022, the balance under this heading was &#x20ac;19,769 million and &#x20ac;20,856 million, respectively (see Note 4). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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).&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfSharePremiumTextBlock>
    <ifrs-full:SharePremium contextRef="c-13" decimals="-6" id="f-9983" unitRef="eur">19184000000</ifrs-full:SharePremium>
    <ifrs-full:SharePremium contextRef="c-20" decimals="-6" id="f-9984" unitRef="eur">19769000000</ifrs-full:SharePremium>
    <ifrs-full:SharePremium contextRef="c-21" decimals="-6" id="f-9985" unitRef="eur">20856000000</ifrs-full:SharePremium>
    <bbva:DisclosureOfRetainedEarningsAndOtherReservesTextBlock contextRef="c-1" id="f-9986">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Retained earnings and other reserves &lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Breakdown of the balance &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.150%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retained earnings and other reserves. Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Legal reserve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;565&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;572&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;591&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Restricted reserve &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;561&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Voluntary reserves&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,470&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,478&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,906&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total reserves holding company&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,616&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,612&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,979&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Consolidation reserves attributed to the Bank and subsidiary consolidated companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30,077&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,507&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;38,251&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;35,056&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Legal reserve &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:16.55pt"&gt;Restricted reserves &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the Bank&#x2019;s restricted reserves are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.759%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.613%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.613%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.615%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Restricted reserves. Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Restricted reserve for retired capital&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;495&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;400&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Restricted reserve for Parent Company shares and loans for those shares&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Restricted reserve for redenomination of capital in euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;582&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;561&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%"&gt;The restricted reserve for retired capital includes the partial executions of the capital reduction resolutions adopted by BBVA's General Shareholders' Meeting held on March 15, 2024, March 17, 2023 and March 18, 2022, respectively (see Note 26). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Retained earnings and other reserves by entity&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown, by company or corporate group, under the headings &#x201c;Retained earnings&#x201d; and &#x201c;other reserves&#x201d; in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retained earnings and other reserves. Breakdown by company or corporate group (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retained earnings (losses), revaluation reserves and other reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Holding Company &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,672&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,003&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Mexico Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,209&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,705&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,042&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,065&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,857&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,703&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Provincial Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,720&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Argentina Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,474&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,456&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Colombia Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,573&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,489&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Peru Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,245&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,065&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Forum Chile Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;663&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Uruguay Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BV America, S.L.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;469&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Corporaci&#xf3;n General Financiera, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;410&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;338&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Seguros, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;284&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Bilbao Vizcaya Holding, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Tecnology Am&#xe9;rica S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pecri Inversi&#xf3;n, S.L.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Anida Operaciones Singulares, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,524)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,497)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,529)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other Real State Spanish Companies &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,152)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,164)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(909)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(155)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;217&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,734&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;38,488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;35,277&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other reserves or accumulated losses of investments in joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;ATOM Holdco Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(169)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(181)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(169)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(227)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(237)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(221)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,507&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;38,251&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;35,057&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Includes balances corresponding to Sociedades inmobiliarias CX, Anida Grupo Inmobiliario and Sociedades inmobiliarias Unnim.&lt;/span&gt;&lt;/div&gt;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.</bbva:DisclosureOfRetainedEarningsAndOtherReservesTextBlock>
    <bbva:RetainedEarningsAndOtherReservesTableTextBlock contextRef="c-1" id="f-9987">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.685%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.150%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retained earnings and other reserves. Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Legal reserve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;565&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;572&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;591&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Restricted reserve &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;582&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;561&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Voluntary reserves&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,470&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,478&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,906&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total reserves holding company&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,616&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,612&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,979&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Consolidation reserves attributed to the Bank and subsidiary consolidated companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30,077&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,507&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;38,251&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;35,056&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:RetainedEarningsAndOtherReservesTableTextBlock>
    <ifrs-full:StatutoryReserve contextRef="c-13" decimals="-6" id="f-9988" unitRef="eur">565000000</ifrs-full:StatutoryReserve>
    <ifrs-full:StatutoryReserve contextRef="c-20" decimals="-6" id="f-9989" unitRef="eur">572000000</ifrs-full:StatutoryReserve>
    <ifrs-full:StatutoryReserve contextRef="c-21" decimals="-6" id="f-9990" unitRef="eur">591000000</ifrs-full:StatutoryReserve>
    <bbva:RestrictedReserves contextRef="c-13" decimals="-6" id="f-9991" unitRef="eur">582000000</bbva:RestrictedReserves>
    <bbva:RestrictedReserves contextRef="c-20" decimals="-6" id="f-9992" unitRef="eur">561000000</bbva:RestrictedReserves>
    <bbva:RestrictedReserves contextRef="c-21" decimals="-6" id="f-9993" unitRef="eur">482000000</bbva:RestrictedReserves>
    <bbva:VoluntaryReserves contextRef="c-13" decimals="-6" id="f-9994" unitRef="eur">6470000000</bbva:VoluntaryReserves>
    <bbva:VoluntaryReserves contextRef="c-20" decimals="-6" id="f-9995" unitRef="eur">5478000000</bbva:VoluntaryReserves>
    <bbva:VoluntaryReserves contextRef="c-21" decimals="-6" id="f-9996" unitRef="eur">3906000000</bbva:VoluntaryReserves>
    <bbva:TotalReservesHoldingCompany contextRef="c-13" decimals="-6" id="f-9997" unitRef="eur">7616000000</bbva:TotalReservesHoldingCompany>
    <bbva:TotalReservesHoldingCompany contextRef="c-20" decimals="-6" id="f-9998" unitRef="eur">6612000000</bbva:TotalReservesHoldingCompany>
    <bbva:TotalReservesHoldingCompany contextRef="c-21" decimals="-6" id="f-9999" unitRef="eur">4979000000</bbva:TotalReservesHoldingCompany>
    <bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies contextRef="c-13" decimals="-6" id="f-10000" unitRef="eur">34891000000</bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies>
    <bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies contextRef="c-20" decimals="-6" id="f-10001" unitRef="eur">31639000000</bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies>
    <bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies contextRef="c-21" decimals="-6" id="f-10002" unitRef="eur">30077000000</bbva:ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies>
    <bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves contextRef="c-13" decimals="-6" id="f-10003" unitRef="eur">42507000000</bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves>
    <bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves contextRef="c-20" decimals="-6" id="f-10004" unitRef="eur">38251000000</bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves>
    <bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves contextRef="c-21" decimals="-6" id="f-10005" unitRef="eur">35056000000</bbva:TotalRetainedEarningsRevaluationReservesAndOtherReserves>
    <bbva:RestrictedReservesBreakdownByConceptsTableTextBlock contextRef="c-1" id="f-10006">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, the Bank&#x2019;s restricted reserves are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:10pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.759%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.613%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.613%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.615%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Restricted reserves. Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#003366;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Restricted reserve for retired capital&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;495&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;400&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Restricted reserve for Parent Company shares and loans for those shares&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Restricted reserve for redenomination of capital in euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;582&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;561&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:RestrictedReservesBreakdownByConceptsTableTextBlock>
    <bbva:RestrictedReserveForRetiredCapital contextRef="c-13" decimals="-6" id="f-10007" unitRef="eur">531000000</bbva:RestrictedReserveForRetiredCapital>
    <bbva:RestrictedReserveForRetiredCapital contextRef="c-20" decimals="-6" id="f-10008" unitRef="eur">495000000</bbva:RestrictedReserveForRetiredCapital>
    <bbva:RestrictedReserveForRetiredCapital contextRef="c-21" decimals="-6" id="f-10009" unitRef="eur">400000000</bbva:RestrictedReserveForRetiredCapital>
    <bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares contextRef="c-13" decimals="-6" id="f-10010" unitRef="eur">49000000</bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares>
    <bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares contextRef="c-20" decimals="-6" id="f-10011" unitRef="eur">65000000</bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares>
    <bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares contextRef="c-21" decimals="-6" id="f-10012" unitRef="eur">80000000</bbva:RestrictedReserveForParentCompanySharesAndLoansForThoseShares>
    <bbva:RestrictedReserveForRedenominationOfCapitalInEuros contextRef="c-13" decimals="-6" id="f-10013" unitRef="eur">2000000</bbva:RestrictedReserveForRedenominationOfCapitalInEuros>
    <bbva:RestrictedReserveForRedenominationOfCapitalInEuros contextRef="c-20" decimals="-6" id="f-10014" unitRef="eur">2000000</bbva:RestrictedReserveForRedenominationOfCapitalInEuros>
    <bbva:RestrictedReserveForRedenominationOfCapitalInEuros contextRef="c-21" decimals="-6" id="f-10015" unitRef="eur">2000000</bbva:RestrictedReserveForRedenominationOfCapitalInEuros>
    <bbva:TotalRestrictedReserves contextRef="c-13" decimals="-6" id="f-10016" unitRef="eur">582000000</bbva:TotalRestrictedReserves>
    <bbva:TotalRestrictedReserves contextRef="c-20" decimals="-6" id="f-10017" unitRef="eur">561000000</bbva:TotalRestrictedReserves>
    <bbva:TotalRestrictedReserves contextRef="c-21" decimals="-6" id="f-10018" unitRef="eur">482000000</bbva:TotalRestrictedReserves>
    <bbva:RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock contextRef="c-1" id="f-10019">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown, by company or corporate group, under the headings &#x201c;Retained earnings&#x201d; and &#x201c;other reserves&#x201d; in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.910%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retained earnings and other reserves. Breakdown by company or corporate group (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retained earnings (losses), revaluation reserves and other reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Holding Company &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,672&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,003&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Mexico Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,209&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,705&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,042&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,065&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,857&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,703&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Provincial Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,774&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,720&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Argentina Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,474&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,456&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Colombia Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,573&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,489&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Peru Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,245&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,065&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Forum Chile Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;663&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Uruguay Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BV America, S.L.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;469&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Corporaci&#xf3;n General Financiera, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;410&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;338&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Seguros, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;284&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Bilbao Vizcaya Holding, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;205&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;144&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Tecnology Am&#xe9;rica S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pecri Inversi&#xf3;n, S.L.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Anida Operaciones Singulares, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,524)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,497)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5,529)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other Real State Spanish Companies &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,152)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,164)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(909)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(155)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;217&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,734&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;38,488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;35,277&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other reserves or accumulated losses of investments in joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;ATOM Holdco Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(169)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(181)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(169)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(227)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(237)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(221)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,507&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;38,251&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;35,057&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Includes balances corresponding to Sociedades inmobiliarias CX, Anida Grupo Inmobiliario and Sociedades inmobiliarias Unnim.&lt;/span&gt;&lt;/div&gt;</bbva:RetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompanyOrCorporateGroupTableTextBlock>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4085"
      decimals="-6"
      id="f-10020"
      unitRef="eur">18157000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4086"
      decimals="-6"
      id="f-10021"
      unitRef="eur">15672000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4087"
      decimals="-6"
      id="f-10022"
      unitRef="eur">14003000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4088"
      decimals="-6"
      id="f-10023"
      unitRef="eur">17209000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4089"
      decimals="-6"
      id="f-10024"
      unitRef="eur">15705000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4090"
      decimals="-6"
      id="f-10025"
      unitRef="eur">14042000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4091"
      decimals="-6"
      id="f-10026"
      unitRef="eur">6065000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4092"
      decimals="-6"
      id="f-10027"
      unitRef="eur">5857000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4093"
      decimals="-6"
      id="f-10028"
      unitRef="eur">5703000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4094"
      decimals="-6"
      id="f-10029"
      unitRef="eur">1774000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4095"
      decimals="-6"
      id="f-10030"
      unitRef="eur">1758000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4096"
      decimals="-6"
      id="f-10031"
      unitRef="eur">1720000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4097"
      decimals="-6"
      id="f-10032"
      unitRef="eur">1315000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4098"
      decimals="-6"
      id="f-10033"
      unitRef="eur">1474000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4099"
      decimals="-6"
      id="f-10034"
      unitRef="eur">1456000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4100"
      decimals="-6"
      id="f-10035"
      unitRef="eur">1639000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4101"
      decimals="-6"
      id="f-10036"
      unitRef="eur">1573000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4102"
      decimals="-6"
      id="f-10037"
      unitRef="eur">1489000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4103"
      decimals="-6"
      id="f-10038"
      unitRef="eur">1245000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4104"
      decimals="-6"
      id="f-10039"
      unitRef="eur">1158000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4105"
      decimals="-6"
      id="f-10040"
      unitRef="eur">1065000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4106"
      decimals="-6"
      id="f-10041"
      unitRef="eur">663000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4107"
      decimals="-6"
      id="f-10042"
      unitRef="eur">652000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4108"
      decimals="-6"
      id="f-10043"
      unitRef="eur">632000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4109"
      decimals="-6"
      id="f-10044"
      unitRef="eur">166000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4110"
      decimals="-6"
      id="f-10045"
      unitRef="eur">139000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4111"
      decimals="-6"
      id="f-10046"
      unitRef="eur">118000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4112"
      decimals="-6"
      id="f-10047"
      unitRef="eur">469000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4113"
      decimals="-6"
      id="f-10048"
      unitRef="eur">374000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4114"
      decimals="-6"
      id="f-10049"
      unitRef="eur">299000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4115"
      decimals="-6"
      id="f-10050"
      unitRef="eur">410000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4116"
      decimals="-6"
      id="f-10051"
      unitRef="eur">368000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4117"
      decimals="-6"
      id="f-10052"
      unitRef="eur">338000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4118"
      decimals="-6"
      id="f-10053"
      unitRef="eur">-16000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4119"
      decimals="-6"
      id="f-10054"
      unitRef="eur">306000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4120"
      decimals="-6"
      id="f-10055"
      unitRef="eur">284000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4121"
      decimals="-6"
      id="f-10056"
      unitRef="eur">205000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4122"
      decimals="-6"
      id="f-10057"
      unitRef="eur">198000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4123"
      decimals="-6"
      id="f-10058"
      unitRef="eur">144000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4124"
      decimals="-6"
      id="f-10059"
      unitRef="eur">92000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4125"
      decimals="-6"
      id="f-10060"
      unitRef="eur">87000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4126"
      decimals="-6"
      id="f-10061"
      unitRef="eur">85000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4127"
      decimals="-6"
      id="f-10062"
      unitRef="eur">-10000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4128"
      decimals="-6"
      id="f-10063"
      unitRef="eur">-17000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4129"
      decimals="-6"
      id="f-10064"
      unitRef="eur">119000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4130"
      decimals="-6"
      id="f-10065"
      unitRef="eur">-5524000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4131"
      decimals="-6"
      id="f-10066"
      unitRef="eur">-5497000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4132"
      decimals="-6"
      id="f-10067"
      unitRef="eur">-5529000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4133"
      decimals="-6"
      id="f-10068"
      unitRef="eur">-1152000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4134"
      decimals="-6"
      id="f-10069"
      unitRef="eur">-1164000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4135"
      decimals="-6"
      id="f-10070"
      unitRef="eur">-909000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4136"
      decimals="-6"
      id="f-10071"
      unitRef="eur">28000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4137"
      decimals="-6"
      id="f-10072"
      unitRef="eur">-155000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves
      contextRef="c-4138"
      decimals="-6"
      id="f-10073"
      unitRef="eur">217000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves contextRef="c-13" decimals="-6" id="f-10074" unitRef="eur">42734000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves contextRef="c-20" decimals="-6" id="f-10075" unitRef="eur">38488000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves contextRef="c-21" decimals="-6" id="f-10076" unitRef="eur">35277000000</bbva:SubtotalRetainedEarningsOrLossesAndRevaluationReserves>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates
      contextRef="c-4139"
      decimals="-6"
      id="f-10077"
      unitRef="eur">-169000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates
      contextRef="c-4140"
      decimals="-6"
      id="f-10078"
      unitRef="eur">-181000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates
      contextRef="c-4141"
      decimals="-6"
      id="f-10079"
      unitRef="eur">-169000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates
      contextRef="c-4142"
      decimals="-6"
      id="f-10080"
      unitRef="eur">-84000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates
      contextRef="c-4143"
      decimals="-6"
      id="f-10081"
      unitRef="eur">-84000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates
      contextRef="c-4144"
      decimals="-6"
      id="f-10082"
      unitRef="eur">-84000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates
      contextRef="c-4145"
      decimals="-6"
      id="f-10083"
      unitRef="eur">26000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates
      contextRef="c-4146"
      decimals="-6"
      id="f-10084"
      unitRef="eur">28000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates
      contextRef="c-4147"
      decimals="-6"
      id="f-10085"
      unitRef="eur">32000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates contextRef="c-13" decimals="-6" id="f-10086" unitRef="eur">-227000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates contextRef="c-20" decimals="-6" id="f-10087" unitRef="eur">-237000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates contextRef="c-21" decimals="-6" id="f-10088" unitRef="eur">-221000000</bbva:ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates>
    <bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany contextRef="c-13" decimals="-6" id="f-10089" unitRef="eur">42507000000</bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany>
    <bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany contextRef="c-20" decimals="-6" id="f-10090" unitRef="eur">38251000000</bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany>
    <bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany contextRef="c-21" decimals="-6" id="f-10091" unitRef="eur">35057000000</bbva:TotalRetainedEarningsRevaluationReservesAndOtherReservesBreakdownByCompany>
    <bbva:DisclosureOfTreasurySharesTextBlock contextRef="c-1" id="f-10092">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Treasury shares&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the years ended December 31, 2024, 2023 and 2022 the Group entities performed the following transactions with shares issued by the Bank:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.562%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Treasury shares (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Number of Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Millions of Euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Number of Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Millions of Euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Number of Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Millions of Euros&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,386,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,485,414&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;127,633,399&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;647&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;+ Purchases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;154,564,499&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;301,882,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;598,457,024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,966&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;- Sales and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(152,284,268)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,497)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(302,981,517)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,161)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(720,605,009)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,583)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,666,856&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,386,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,485,414&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Held by BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;410,370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Held by Corporaci&#xf3;n General Financiera, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,256,486&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,354,004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,454,516&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Held by other subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;32,621&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;30,898&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Average purchase price in Euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Average selling price in Euros (including other changes)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.99&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net gains or losses on transactions &lt;br/&gt;(Shareholders' funds-Reserves)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; In 2024, 2023 and 2022 there were transactions included in the share buyback program (see Note 4).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The percentages of treasury shares held by the Group in the years ended December 31, 2024, 2023 and 2022 are as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.451%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Treasury Share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Closing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Closing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Closing&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;% treasury share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The number of BBVA shares accepted by the Group in pledge of loans as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.608%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.997%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.997%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Shares of BBVA accepted in pledge&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Number of shares in pledge&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,308,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,492,194&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,437,363&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Nominal value (in Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;% of share capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The number of BBVA shares owned by third parties but under management of a company within the Group as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.548%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.018%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Shares of BBVA owned by third parties but managed by the Group&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Number of shares owned by third parties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,834,596&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,258,994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,686,027&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Nominal value (in Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;% of share capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfTreasurySharesTextBlock>
    <bbva:TreasurySharesTableTextBlock contextRef="c-1" id="f-10093">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the years ended December 31, 2024, 2023 and 2022 the Group entities performed the following transactions with shares issued by the Bank:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.562%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Treasury shares (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Number of Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Millions of Euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Number of Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Millions of Euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Number of Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Millions of Euros&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,386,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,485,414&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;127,633,399&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;647&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;+ Purchases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;154,564,499&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;301,882,728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;598,457,024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,966&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;- Sales and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(152,284,268)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,497)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(302,981,517)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,161)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(720,605,009)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3,583)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,666,856&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,386,625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,485,414&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Held by BBVA, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;410,370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Held by Corporaci&#xf3;n General Financiera, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;6,256,486&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;4,354,004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5,454,516&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Held by other subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;32,621&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;30,898&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Average purchase price in Euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.18&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Average selling price in Euros (including other changes)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9.89&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4.99&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net gains or losses on transactions &lt;br/&gt;(Shareholders' funds-Reserves)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:TreasurySharesTableTextBlock>
    <bbva:NumberOfTreasuryShares
      contextRef="c-20"
      decimals="0"
      id="f-10094"
      unitRef="shares">4386625</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-20" decimals="-6" id="f-10095" unitRef="eur">34000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-21"
      decimals="0"
      id="f-10096"
      unitRef="shares">5485414</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-21" decimals="-6" id="f-10097" unitRef="eur">29000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-173"
      decimals="0"
      id="f-10098"
      unitRef="shares">127633399</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-173" decimals="-6" id="f-10099" unitRef="eur">647000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfPurchasesOfTreasuryShares contextRef="c-1" decimals="0" id="f-10100" unitRef="eur">154564499</bbva:NumberOfPurchasesOfTreasuryShares>
    <bbva:PurchasesOfTreasurySharesInMillionsOfEuros contextRef="c-1" decimals="-6" id="f-10101" unitRef="eur">1528000000</bbva:PurchasesOfTreasurySharesInMillionsOfEuros>
    <bbva:NumberOfPurchasesOfTreasuryShares contextRef="c-22" decimals="0" id="f-10102" unitRef="eur">301882728</bbva:NumberOfPurchasesOfTreasuryShares>
    <bbva:PurchasesOfTreasurySharesInMillionsOfEuros contextRef="c-22" decimals="-6" id="f-10103" unitRef="eur">2166000000</bbva:PurchasesOfTreasurySharesInMillionsOfEuros>
    <bbva:NumberOfPurchasesOfTreasuryShares contextRef="c-23" decimals="0" id="f-10104" unitRef="eur">598457024</bbva:NumberOfPurchasesOfTreasuryShares>
    <bbva:PurchasesOfTreasurySharesInMillionsOfEuros contextRef="c-23" decimals="-6" id="f-10105" unitRef="eur">2966000000</bbva:PurchasesOfTreasurySharesInMillionsOfEuros>
    <bbva:NumberOfSalesAndOtherChangesInTreasuryShares contextRef="c-1" decimals="0" id="f-10106" unitRef="eur">-152284268</bbva:NumberOfSalesAndOtherChangesInTreasuryShares>
    <bbva:SalesAndOtherChangesInTreasurySharesInMillionsOfEuros contextRef="c-1" decimals="-6" id="f-10107" unitRef="eur">-1497000000</bbva:SalesAndOtherChangesInTreasurySharesInMillionsOfEuros>
    <bbva:NumberOfSalesAndOtherChangesInTreasuryShares contextRef="c-22" decimals="0" id="f-10108" unitRef="eur">-302981517</bbva:NumberOfSalesAndOtherChangesInTreasuryShares>
    <bbva:SalesAndOtherChangesInTreasurySharesInMillionsOfEuros contextRef="c-22" decimals="-6" id="f-10109" unitRef="eur">-2161000000</bbva:SalesAndOtherChangesInTreasurySharesInMillionsOfEuros>
    <bbva:NumberOfSalesAndOtherChangesInTreasuryShares contextRef="c-23" decimals="0" id="f-10110" unitRef="eur">-720605009</bbva:NumberOfSalesAndOtherChangesInTreasuryShares>
    <bbva:SalesAndOtherChangesInTreasurySharesInMillionsOfEuros contextRef="c-23" decimals="-6" id="f-10111" unitRef="eur">-3583000000</bbva:SalesAndOtherChangesInTreasurySharesInMillionsOfEuros>
    <bbva:NumberOfTreasuryShares
      contextRef="c-13"
      decimals="0"
      id="f-10112"
      unitRef="shares">6666856</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-13" decimals="-6" id="f-10113" unitRef="eur">66000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-20"
      decimals="0"
      id="f-10114"
      unitRef="shares">4386625</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-20" decimals="-6" id="f-10115" unitRef="eur">34000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-21"
      decimals="0"
      id="f-10116"
      unitRef="shares">5485414</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-21" decimals="-6" id="f-10117" unitRef="eur">29000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-4148"
      decimals="0"
      id="f-10118"
      unitRef="shares">410370</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares
      contextRef="c-4148"
      decimals="-6"
      id="f-10119"
      unitRef="eur">7000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-4149"
      decimals="0"
      id="f-10120"
      unitRef="shares">0</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares
      contextRef="c-4149"
      decimals="-6"
      id="f-10121"
      unitRef="eur">3000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-4150"
      decimals="6"
      id="f-10122"
      unitRef="shares">0</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares
      contextRef="c-4150"
      decimals="-6"
      id="f-10123"
      unitRef="eur">3000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-4151"
      decimals="0"
      id="f-10124"
      unitRef="shares">6256486</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares
      contextRef="c-4151"
      decimals="-6"
      id="f-10125"
      unitRef="eur">59000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-4152"
      decimals="0"
      id="f-10126"
      unitRef="shares">4354004</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares
      contextRef="c-4152"
      decimals="-6"
      id="f-10127"
      unitRef="eur">31000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-4153"
      decimals="6"
      id="f-10128"
      unitRef="shares">5454516</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares
      contextRef="c-4153"
      decimals="-6"
      id="f-10129"
      unitRef="eur">26000000</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-4154"
      decimals="0"
      id="f-10130"
      unitRef="shares">0</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares
      contextRef="c-4154"
      decimals="-6"
      id="f-10131"
      unitRef="eur">0</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-4155"
      decimals="0"
      id="f-10132"
      unitRef="shares">32621</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares
      contextRef="c-4155"
      decimals="-6"
      id="f-10133"
      unitRef="eur">0</ifrs-full:TreasuryShares>
    <bbva:NumberOfTreasuryShares
      contextRef="c-4156"
      decimals="6"
      id="f-10134"
      unitRef="shares">30898</bbva:NumberOfTreasuryShares>
    <ifrs-full:TreasuryShares
      contextRef="c-4156"
      decimals="-6"
      id="f-10135"
      unitRef="eur">0</ifrs-full:TreasuryShares>
    <bbva:AveragePurchasesInEuros contextRef="c-13" decimals="2" id="f-10136" unitRef="eur">9.89</bbva:AveragePurchasesInEuros>
    <bbva:AveragePurchasesInEuros contextRef="c-4157" decimals="2" id="f-10137" unitRef="eur">0</bbva:AveragePurchasesInEuros>
    <bbva:AveragePurchasesInEuros contextRef="c-20" decimals="2" id="f-10138" unitRef="eur">7.18</bbva:AveragePurchasesInEuros>
    <bbva:AveragePurchasesInEuros contextRef="c-4158" decimals="2" id="f-10139" unitRef="eur">0</bbva:AveragePurchasesInEuros>
    <bbva:AveragePurchasesInEuros contextRef="c-21" decimals="2" id="f-10140" unitRef="eur">4.96</bbva:AveragePurchasesInEuros>
    <bbva:AveragePurchasesInEuros contextRef="c-4159" decimals="2" id="f-10141" unitRef="eur">0</bbva:AveragePurchasesInEuros>
    <bbva:AverageSellingPriceInEuros contextRef="c-13" decimals="2" id="f-10142" unitRef="eur">9.89</bbva:AverageSellingPriceInEuros>
    <bbva:AverageSellingPriceInEuros contextRef="c-4157" decimals="2" id="f-10143" unitRef="eur">0</bbva:AverageSellingPriceInEuros>
    <bbva:AverageSellingPriceInEuros contextRef="c-20" decimals="2" id="f-10144" unitRef="eur">7.14</bbva:AverageSellingPriceInEuros>
    <bbva:AverageSellingPriceInEuros contextRef="c-4158" decimals="2" id="f-10145" unitRef="eur">0</bbva:AverageSellingPriceInEuros>
    <bbva:AverageSellingPriceInEuros contextRef="c-21" decimals="2" id="f-10146" unitRef="eur">4.99</bbva:AverageSellingPriceInEuros>
    <bbva:AverageSellingPriceInEuros contextRef="c-4159" decimals="2" id="f-10147" unitRef="eur">0</bbva:AverageSellingPriceInEuros>
    <bbva:NetGainsOrLossesOnTransactions contextRef="c-13" decimals="-6" id="f-10148" unitRef="eur">10000000</bbva:NetGainsOrLossesOnTransactions>
    <bbva:NetGainsOrLossesOnTransactions contextRef="c-20" decimals="-6" id="f-10149" unitRef="eur">1000000</bbva:NetGainsOrLossesOnTransactions>
    <bbva:NetGainsOrLossesOnTransactions contextRef="c-21" decimals="-6" id="f-10150" unitRef="eur">9000000</bbva:NetGainsOrLossesOnTransactions>
    <bbva:TreasuryStockTableTextBlock contextRef="c-1" id="f-10151">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The percentages of treasury shares held by the Group in the years ended December 31, 2024, 2023 and 2022 are as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.451%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Treasury Share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Closing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Closing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Closing&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;% treasury share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:TreasuryStockTableTextBlock>
    <bbva:PercentageTreasuryStock
      contextRef="c-4160"
      decimals="5"
      id="f-10152"
      unitRef="number">0.00076</bbva:PercentageTreasuryStock>
    <bbva:PercentageTreasuryStock
      contextRef="c-4161"
      decimals="5"
      id="f-10153"
      unitRef="number">0.01513</bbva:PercentageTreasuryStock>
    <bbva:PercentageTreasuryStock
      contextRef="c-4162"
      decimals="5"
      id="f-10154"
      unitRef="number">0.00116</bbva:PercentageTreasuryStock>
    <bbva:PercentageTreasuryStock
      contextRef="c-4163"
      decimals="5"
      id="f-10155"
      unitRef="number">0.00038</bbva:PercentageTreasuryStock>
    <bbva:PercentageTreasuryStock
      contextRef="c-4164"
      decimals="5"
      id="f-10156"
      unitRef="number">0.02214</bbva:PercentageTreasuryStock>
    <bbva:PercentageTreasuryStock
      contextRef="c-4165"
      decimals="5"
      id="f-10157"
      unitRef="number">0.00075</bbva:PercentageTreasuryStock>
    <bbva:PercentageTreasuryStock
      contextRef="c-4166"
      decimals="5"
      id="f-10158"
      unitRef="number">0.00078</bbva:PercentageTreasuryStock>
    <bbva:PercentageTreasuryStock
      contextRef="c-4167"
      decimals="5"
      id="f-10159"
      unitRef="number">0.07492</bbva:PercentageTreasuryStock>
    <bbva:PercentageTreasuryStock
      contextRef="c-4168"
      decimals="5"
      id="f-10160"
      unitRef="number">0.00094</bbva:PercentageTreasuryStock>
    <bbva:SharesOfBBVAAcceptedInPledgeTableTextBlock contextRef="c-1" id="f-10161">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The number of BBVA shares accepted by the Group in pledge of loans as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.608%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.997%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.997%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Shares of BBVA accepted in pledge&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Number of shares in pledge&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,308,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,492,194&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,437,363&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Nominal value (in Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;% of share capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:SharesOfBBVAAcceptedInPledgeTableTextBlock>
    <bbva:NumberOfSharesInPledge contextRef="c-1" decimals="0" id="f-10162" unitRef="shares">13308677000000</bbva:NumberOfSharesInPledge>
    <bbva:NumberOfSharesInPledge
      contextRef="c-22"
      decimals="0"
      id="f-10163"
      unitRef="shares">17492194000000</bbva:NumberOfSharesInPledge>
    <bbva:NumberOfSharesInPledge
      contextRef="c-23"
      decimals="0"
      id="f-10164"
      unitRef="shares">23437363000000</bbva:NumberOfSharesInPledge>
    <bbva:NominalValueOfSharesOfBBVAAcceptedInPledge contextRef="c-1" decimals="2" id="f-10165" unitRef="eur">490000</bbva:NominalValueOfSharesOfBBVAAcceptedInPledge>
    <bbva:NominalValueOfSharesOfBBVAAcceptedInPledge contextRef="c-22" decimals="2" id="f-10166" unitRef="eur">490000</bbva:NominalValueOfSharesOfBBVAAcceptedInPledge>
    <bbva:NominalValueOfSharesOfBBVAAcceptedInPledge contextRef="c-23" decimals="2" id="f-10167" unitRef="eur">490000</bbva:NominalValueOfSharesOfBBVAAcceptedInPledge>
    <bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge contextRef="c-1" decimals="4" id="f-10168" unitRef="number">0.0023</bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge>
    <bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge
      contextRef="c-22"
      decimals="4"
      id="f-10169"
      unitRef="number">0.0029</bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge>
    <bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge
      contextRef="c-23"
      decimals="5"
      id="f-10170"
      unitRef="number">0.0039</bbva:PercentageOfShareCapitalOfSharesOfBBVAAcceptedInPledge>
    <bbva:SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock contextRef="c-1" id="f-10171">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The number of BBVA shares owned by third parties but under management of a company within the Group as of December 31, 2024, 2023 and 2022 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.548%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.018%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Shares of BBVA owned by third parties but managed by the Group&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Number of shares owned by third parties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,834,596&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,258,994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,686,027&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Nominal value (in Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.49&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;% of share capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupTableTextBlock>
    <bbva:NumberOfSharesOwnedByThirdParties contextRef="c-1" decimals="0" id="f-10172" unitRef="shares">11834596000000</bbva:NumberOfSharesOwnedByThirdParties>
    <bbva:NumberOfSharesOwnedByThirdParties
      contextRef="c-22"
      decimals="0"
      id="f-10173"
      unitRef="shares">13258994000000</bbva:NumberOfSharesOwnedByThirdParties>
    <bbva:NumberOfSharesOwnedByThirdParties
      contextRef="c-23"
      decimals="0"
      id="f-10174"
      unitRef="shares">18686027000000</bbva:NumberOfSharesOwnedByThirdParties>
    <bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup contextRef="c-1" decimals="2" id="f-10175" unitRef="eur">490000</bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup>
    <bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup contextRef="c-22" decimals="2" id="f-10176" unitRef="eur">490000</bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup>
    <bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup contextRef="c-23" decimals="2" id="f-10177" unitRef="eur">490000</bbva:NominalValueOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup>
    <bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup contextRef="c-1" decimals="4" id="f-10178" unitRef="number">0.0021</bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup>
    <bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup
      contextRef="c-22"
      decimals="4"
      id="f-10179"
      unitRef="number">0.0023</bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup>
    <bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup
      contextRef="c-23"
      decimals="5"
      id="f-10180"
      unitRef="number">0.0031</bbva:PercentageOfShareCapitalOfSharesOfBBVAOwnedByThirdPartiesButManagedByTheGroup>
    <bbva:DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock contextRef="c-1" id="f-10181">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Accumulated other comprehensive income (loss)&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.986%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated other comprehensive income (loss). Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Items that will not be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,988)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,105)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,881)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Actuarial gains (losses) on defined benefit pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,067)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,049)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(760)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of equity instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(905)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,194)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Items that may be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(15,232)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(14,148)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(15,760)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hedge of net investments in foreign operations (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,329)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,498)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,408)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,697)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,147)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,751)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;358&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other exchanges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign currency translation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(12,702)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11,419)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13,078)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,644)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(640)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,791)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(5,835)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(6,908)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(6,599)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(555)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,296)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(868)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Venezuela Bol&#xed;var&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,865)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,865)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,850)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other exchanges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(803)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(711)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(969)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hedging derivatives. Cash flow hedges (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(447)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of debt instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(576)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(809)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Share of other recognized income and expense of investments in joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(17,220)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(16,254)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(17,642)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The balances recognized under these headings are presented net of tax.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The main changes in 2024 are explained by the depreciation against the euro of some of the currencies of the main geographical areas where the Group operates against the euro such as the Mexican peso (13.1%), Colombian peso (7.8%), the Argentine peso (16.8%) and the Turkish lira (11.1%) and the application of IAS 29 "Financial Reporting in Hyperinflationary Economies" in Turkey and Argentina (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock>
    <bbva:AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock contextRef="c-1" id="f-10182">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.986%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.458%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated other comprehensive income (loss). Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Items that will not be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,988)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(2,105)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,881)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Actuarial gains (losses) on defined benefit pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,067)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,049)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(760)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of equity instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(905)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,112)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,194)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;72&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Items that may be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(15,232)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(14,148)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(15,760)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hedge of net investments in foreign operations (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,329)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,498)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,408)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,697)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,147)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,751)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;358&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other exchanges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign currency translation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(12,702)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(11,419)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13,078)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(3,644)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(640)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(2,791)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Turkish lira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(5,835)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(6,908)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(6,599)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(555)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,296)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(868)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Venezuela Bol&#xed;var&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,865)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,865)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1,850)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other exchanges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(803)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(711)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(969)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hedging derivatives. Cash flow hedges (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;133&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(447)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value changes of debt instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(576)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(357)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(809)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Share of other recognized income and expense of investments in joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(17,220)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(16,254)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#FFFFFF;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(17,642)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:AccumulatedOtherComprehensiveIncomeClassifiedByConceptsTableTextBlock>
    <bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-13" decimals="-6" id="f-10183" unitRef="eur">-1988000000</bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-10184" unitRef="eur">-2105000000</bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-10185" unitRef="eur">-1881000000</bbva:ItemsThatWillNotBeReclassifiedToProfitOrLoss>
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    <bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-10187" unitRef="eur">-1049000000</bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-10188" unitRef="eur">-760000000</bbva:ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss>
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    <bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-10190" unitRef="eur">-1112000000</bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-10191" unitRef="eur">-1194000000</bbva:FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss>
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    <bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk contextRef="c-20" decimals="-6" id="f-10193" unitRef="eur">55000000</bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk>
    <bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk contextRef="c-21" decimals="-6" id="f-10194" unitRef="eur">72000000</bbva:FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk>
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    <bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss contextRef="c-13" decimals="-6" id="f-10198" unitRef="eur">-2329000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
    <bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-10199" unitRef="eur">-2498000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
    <bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-10200" unitRef="eur">-1408000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4169"
      decimals="-6"
      id="f-10201"
      unitRef="eur">-2697000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4170"
      decimals="-6"
      id="f-10202"
      unitRef="eur">-3147000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4171"
      decimals="-6"
      id="f-10203"
      unitRef="eur">-1751000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4172"
      decimals="-6"
      id="f-10204"
      unitRef="eur">394000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4173"
      decimals="-6"
      id="f-10205"
      unitRef="eur">670000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4174"
      decimals="-6"
      id="f-10206"
      unitRef="eur">358000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4175"
      decimals="-6"
      id="f-10207"
      unitRef="eur">-25000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4176"
      decimals="-6"
      id="f-10208"
      unitRef="eur">-21000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4177"
      decimals="-6"
      id="f-10209"
      unitRef="eur">-15000000</bbva:HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss contextRef="c-13" decimals="-6" id="f-10210" unitRef="eur">-12702000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
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      id="f-10213"
      unitRef="eur">-3644000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4170"
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      id="f-10214"
      unitRef="eur">-640000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4171"
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      id="f-10215"
      unitRef="eur">-2791000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
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      decimals="-6"
      id="f-10216"
      unitRef="eur">-5835000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4173"
      decimals="-6"
      id="f-10217"
      unitRef="eur">-6908000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
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      decimals="-6"
      id="f-10218"
      unitRef="eur">-6599000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4178"
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      id="f-10219"
      unitRef="eur">-555000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
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      contextRef="c-4179"
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      id="f-10220"
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      contextRef="c-4180"
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      id="f-10221"
      unitRef="eur">-868000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss
      contextRef="c-4181"
      decimals="-6"
      id="f-10222"
      unitRef="eur">-1865000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss
      contextRef="c-4182"
      decimals="-6"
      id="f-10223"
      unitRef="eur">-1865000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss
      contextRef="c-4183"
      decimals="-6"
      id="f-10224"
      unitRef="eur">-1850000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss
      contextRef="c-4175"
      decimals="-6"
      id="f-10225"
      unitRef="eur">-803000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss
      contextRef="c-4176"
      decimals="-6"
      id="f-10226"
      unitRef="eur">-711000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss
      contextRef="c-4177"
      decimals="-6"
      id="f-10227"
      unitRef="eur">-969000000</bbva:ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss>
    <bbva:HedgingDerivativesCashFlowHedgesEffectivePortion contextRef="c-13" decimals="-6" id="f-10228" unitRef="eur">370000000</bbva:HedgingDerivativesCashFlowHedgesEffectivePortion>
    <bbva:HedgingDerivativesCashFlowHedgesEffectivePortion contextRef="c-20" decimals="-6" id="f-10229" unitRef="eur">133000000</bbva:HedgingDerivativesCashFlowHedgesEffectivePortion>
    <bbva:HedgingDerivativesCashFlowHedgesEffectivePortion contextRef="c-21" decimals="-6" id="f-10230" unitRef="eur">-447000000</bbva:HedgingDerivativesCashFlowHedgesEffectivePortion>
    <bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss contextRef="c-13" decimals="-6" id="f-10231" unitRef="eur">-576000000</bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-10232" unitRef="eur">-357000000</bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss>
    <bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-10233" unitRef="eur">-809000000</bbva:FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss contextRef="c-13" decimals="-6" id="f-10234" unitRef="eur">5000000</bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss contextRef="c-20" decimals="-6" id="f-10235" unitRef="eur">-8000000</bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss>
    <bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss contextRef="c-21" decimals="-6" id="f-10236" unitRef="eur">-18000000</bbva:ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-10237" unitRef="eur">-17220000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-20" decimals="-6" id="f-10238" unitRef="eur">-16254000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-10239" unitRef="eur">-17642000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory contextRef="c-1" id="f-10240">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Minority interests (non-controlling interests)&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by groups of consolidated entities of the balance under the heading &#x201c;Minority interests (non-controlling interests)&#x201d; of total equity in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.306%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.766%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Minority interests (non-controlling interests). Breakdown by subgroups (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,179&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,779&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,469&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;843&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;544&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;687&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;82&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Venezuela&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,359&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,564&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,623&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These amounts are broken down by groups of consolidated entities under the heading &#x201c;Attributable to minority interests (non-controlling interests)&#x201d; in the consolidated income statements:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Profit attributable to minority interests (non-controlling interests). Breakdown by subgroups (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;260&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Venezuela&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;405&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3 ).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Dividends distributed to minority interests of the Group during the year 2024 related to: BBVA Peru Group &#x20ac;129 million, BBVA Argentina Group &#x20ac;142 million, Garanti BBVA Group &#x20ac;60 million and other Group entities &#x20ac;15 million.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory>
    <bbva:NonControllingInterestClassifiedByConceptTableTextBlock contextRef="c-1" id="f-10241">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown by groups of consolidated entities of the balance under the heading &#x201c;Minority interests (non-controlling interests)&#x201d; of total equity in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.306%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.766%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Minority interests (non-controlling interests). Breakdown by subgroups (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,351&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,179&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,779&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,586&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,469&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;843&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;544&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;687&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;60&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;82&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;73&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Venezuela&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;108&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,359&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,564&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,623&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:NonControllingInterestClassifiedByConceptTableTextBlock>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4184"
      decimals="-6"
      id="f-10242"
      unitRef="eur">1351000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4185"
      decimals="-6"
      id="f-10243"
      unitRef="eur">1129000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4186"
      decimals="-6"
      id="f-10244"
      unitRef="eur">1179000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4187"
      decimals="-6"
      id="f-10245"
      unitRef="eur">1779000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4188"
      decimals="-6"
      id="f-10246"
      unitRef="eur">1586000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4189"
      decimals="-6"
      id="f-10247"
      unitRef="eur">1469000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4190"
      decimals="-6"
      id="f-10248"
      unitRef="eur">843000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4191"
      decimals="-6"
      id="f-10249"
      unitRef="eur">544000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4192"
      decimals="-6"
      id="f-10250"
      unitRef="eur">687000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4193"
      decimals="-6"
      id="f-10251"
      unitRef="eur">60000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4194"
      decimals="-6"
      id="f-10252"
      unitRef="eur">82000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4195"
      decimals="-6"
      id="f-10253"
      unitRef="eur">73000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4196"
      decimals="-6"
      id="f-10254"
      unitRef="eur">134000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4197"
      decimals="-6"
      id="f-10255"
      unitRef="eur">108000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4198"
      decimals="-6"
      id="f-10256"
      unitRef="eur">95000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4199"
      decimals="-6"
      id="f-10257"
      unitRef="eur">191000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4200"
      decimals="-6"
      id="f-10258"
      unitRef="eur">115000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests
      contextRef="c-4201"
      decimals="-6"
      id="f-10259"
      unitRef="eur">119000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-13" decimals="-6" id="f-10260" unitRef="eur">4359000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-20" decimals="-6" id="f-10261" unitRef="eur">3564000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-21" decimals="-6" id="f-10262" unitRef="eur">3623000000</ifrs-full:NoncontrollingInterests>
    <bbva:ProfitAttributableToNonControllingInterestsTableTextBlock contextRef="c-1" id="f-10263">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;These amounts are broken down by groups of consolidated entities under the heading &#x201c;Attributable to minority interests (non-controlling interests)&#x201d; in the consolidated income statements:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Profit attributable to minority interests (non-controlling interests). Breakdown by subgroups (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Garanti BBVA&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Peru&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;260&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;59&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Colombia&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;BBVA Venezuela&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;405&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3 ).&lt;/span&gt;&lt;/div&gt;</bbva:ProfitAttributableToNonControllingInterestsTableTextBlock>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4202"
      decimals="-6"
      id="f-10264"
      unitRef="eur">116000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4203"
      decimals="-6"
      id="f-10265"
      unitRef="eur">95000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4204"
      decimals="-6"
      id="f-10266"
      unitRef="eur">28000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4205"
      decimals="-6"
      id="f-10267"
      unitRef="eur">260000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4206"
      decimals="-6"
      id="f-10268"
      unitRef="eur">236000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4207"
      decimals="-6"
      id="f-10269"
      unitRef="eur">236000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4208"
      decimals="-6"
      id="f-10270"
      unitRef="eur">105000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4209"
      decimals="-6"
      id="f-10271"
      unitRef="eur">59000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4210"
      decimals="-6"
      id="f-10272"
      unitRef="eur">83000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4211"
      decimals="-6"
      id="f-10273"
      unitRef="eur">-1000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4212"
      decimals="-6"
      id="f-10274"
      unitRef="eur">-16000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4213"
      decimals="-6"
      id="f-10275"
      unitRef="eur">5000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4214"
      decimals="-6"
      id="f-10276"
      unitRef="eur">32000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4215"
      decimals="-6"
      id="f-10277"
      unitRef="eur">24000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4216"
      decimals="-6"
      id="f-10278"
      unitRef="eur">22000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4217"
      decimals="-6"
      id="f-10279"
      unitRef="eur">9000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4218"
      decimals="-6"
      id="f-10280"
      unitRef="eur">-1000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-4219"
      decimals="-6"
      id="f-10281"
      unitRef="eur">32000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-1" decimals="-6" id="f-10282" unitRef="eur">-521000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-22" decimals="-6" id="f-10283" unitRef="eur">-397000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-23" decimals="-6" id="f-10284" unitRef="eur">-405000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <bbva:DisclosureOfCapitalBaseAndCapitalManagementTextBlock contextRef="c-1" id="f-10285">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Capital base and capital management &lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Capital base&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, own funds are calculated in accordance with the applicable regulation of each year on minimum capital requirements for Spanish credit institutions &#x2013;both as individual entities and as consolidated group&#x2013; that establish how to calculate them, as well as the various required internal capital adequacy assessment processes and the information required to be disclosed to the market.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The CET1 fully loaded ratio of the BBVA Group stood at 12.88% at the end of December 2024, which allowed it to maintain a management buffer over the Group's CET 1 requirement (9.13%) and over the Group's target management range of between 11.5 - 12% of CET 1. The phased-in CET 1 ratio was also 12.88%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With regard to the minimum capital requirements applicable to the Group as of December 31, 2024, these amount to a minimum CET1 ratio of 9.13%, as well as a minimum total capital ratio of 13.29%. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Following the latest decision of the SREP (Supervisory Review and Evaluation Process), which came into force on January 1, 2025, the ECB has notified the Group that the Pillar 2 requirement is maintained at 1.68% (of which 1.02% at least should be covered by CET1). In addition, the Bank of Spain has maintained the D-SIB (Domestic Systemically Important Banks) buffer requirement that the Group must maintain since January 1, 2025 at the same level as that in effect as of December 31, 2024. Therefore, BBVA must maintain a CET1 capital ratio of 9.13% and a total capital ratio of 13.29% at a consolidated level.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A reconciliation of the main figures between the accounting and regulatory own funds as of December 31, 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.366%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.688%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Eligible capital resources (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,955&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Share premium&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,184&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,856&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Retained earnings, revaluation reserves and other reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42,507&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,056&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other equity instruments, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Treasury shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Profit (loss) attributable to the parent company&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,054&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,358&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interim dividend&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,668)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(951)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(722)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;72,875&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;67,955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;64,535&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Accumulated other comprehensive income (loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17,220)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16,254)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17,642)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Minority interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,359&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,564&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,623&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Shareholders' equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;50,517&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Goodwill and other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,553)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,421)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,395)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Differences from solvency and accounting perimeter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(185)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(137)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(123)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity not eligible at solvency level&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(185)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(137)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(123)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other adjustments and deductions &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,476)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,591)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(6,262)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Common Equity Tier 1 (CET 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;50,799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,738&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Additional Tier 1 before Regulatory Adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,033&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total Regulatory Adjustments to Additional Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;56,822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;52,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,931&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,858&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,930&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total Capital (Total Capital = Tier 1 + Tier 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;66,680&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;53,861&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total Minimum equity required &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;52,427&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,455&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;43,111&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) The caption &#x201c;Other adjustments and deductions&#x201d; include, among others, the adjustment for non-computable minority interests, the amount of repurchases of own shares up to the maximum limit authorized by the ECB to the BBVA Group and the amount of dividends pending distribution.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Calculated based on total minimum capital requirements applicable in each period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group&#x2019;s eligible own funds and risk-weighted assets (RWAs) in accordance with the aforementioned applicable regulation as of December 31, 2024, 2023 and 2022 are shown below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.542%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount of capital CC1 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Capital and share premium &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,008&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,810&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Retained earnings and equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,436&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other accumulated income and other reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(14,334)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(12,872)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13,952)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Minority interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,343&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,864&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,853&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net attributable profit &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,814&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Common Equity Tier I (CET1) before other regulatory adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;54,681&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;51,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46,962&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Goodwill and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,553)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,421)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,395)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Direct, indirect and synthetic holdings in own Common Equity Tier I instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(243)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(331)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(356)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deferred tax assets &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(844)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(988)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,057)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other deductions and filters &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,242)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,412)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,416)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total common equity Tier 1 regulatory adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(3,882)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(5,153)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(4,223)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Common equity TIER 1 (CET1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;50,799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,738&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Capital instruments and share premium accounts classified as liabilities and qualifying as Additional Tier I&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,875&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Qualifying Tier 1 capital included in consolidated AT1 capital issued by subsidiaries and held by third parties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;318&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Additional Tier 1 (CET 1) before regulatory adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,033&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transitional CET 1 adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total regulatory adjustments to additional Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Additional Tier 1 (AT1) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,033&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 1 (Common equity TIER 1 + additional TIER 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;56,822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;52,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,931&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Capital instruments and share premium accounted as Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,510&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Qualifying Tier 2 capital included in consolidated T2 capital issued by subsidiaries and held by third parties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,192&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,310&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit risk adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;213&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 2 before regulatory adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,868&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,192&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,033&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 2 regulatory adjustments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(103)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,858&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,930&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total capital (Total capital = Tier 1 + Tier 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;66,680&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;53,861&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total RWA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;394,468&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;363,915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;337,066&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;CET 1 (phased-in)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tier 1 (phased-in)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14.40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Total capital (phased-in)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16.90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16.58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15.98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In 2022, the difference between the phased-in and fully-loaded ratios arises from the temporary treatment of certain capital items, mainly as a result of the impact of IFRS 9, to which the BBVA Group adhered voluntarily (in accordance with article 473bis of the CRR and the subsequent amendments introduced by the Regulation (EU) 2020/873). In 2024 and 2023, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) As of December 31, 2024, the total shareholder remuneration corresponding to the year 2024 (composed by a cash dividend, the share repurchase program and the proposed cash dividend subject to approval at the General Shareholders' Meeting), is deducted. As of December 31, 2023 and 2022 the cash dividends approved by the respective General Shareholders' Meetings are deducted.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) As of December 31, 2023 and 2022, the amounts of the share repurchase programs were deducted.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The strength of the BBVA Group's earnings has contributed to achieving a consolidated fully loaded CET1 ratio of 12.88% as of December 31, 2024, which allows it to maintain a management buffer over the Group's CET1 requirement as of that date (9.13%), which is also above the Group's target management range of 11.5 - 12.0% CET1. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The fully loaded CET1 ratio increased by 21 basis points, mainly explained by the generation of earnings in the year (276 basis points) which, net of shareholder remuneration and payment of convertible contingent instrument coupons (CoCos), generated a positive contribution of 127 basis points. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Meanwhile, the growth in risk-weighted assets (RWA) derived from the organic growth of the business in constant terms, mainly as a result of the increase in the loan portfolio, and, to a lesser extent, debt securities, as well as risk transfers that drained the ratio by -155 basis points.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, CET1 had a positive contribution of +49 basis points mainly due to minority interests and the positive impact in Other Comprehensive Income (OCI) equivalent to the net monetary position value loss in hyperinflationary economies recorded in results, as well as the valuation of the Held to Collect and Sale portfolio and the effect of changes in foreign exchange rates due to the depreciation of the Mexican peso and, to a lesser extent, the Turkish lira (which led to a decrease in RWA), and the appreciation of the U.S. dollar.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Consolidated fully loaded Additional Tier 1 (AT1) capital fully loaded stood at 1.53% as of December 31, 2024, -13 basis points compared to 2023. In June 2024, BBVA, S.A completed an issuance for an amount of &#x20ac;750 million Contingent Convertible instruments (CoCos) in June 2024. In addition, in March 2024, the call for redemption of another issuance of Contingent Convertible instruments for a total amount of &#x20ac;1.0 billion was made.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;The Tier 2 fully loaded ratio stood at 2.50% which represents an increase of 25 basis points compared to 2023, mainly due to the issuance of a subordinated bonds in Spain for &#x20ac;1.25 billion and &#x20ac;1.0 billion in February  and August 2024, respectively, and, to a lesser extent, the issuance in Mexico, Turkey and Peru of subordinated debt for amounts of USD 900 million, USD 500 million and USD 300 million, respectively in the first quarter, in addition to the issuance in December of USD 750 million of subordinated debt in Turkey. On the other hand, a subordinated debt issuance amounting to &#x20ac;750 million was redeemed in Spain. In addition, in December, the early redemption of another issuance of &#x20ac;1.0 billion was announced, which was completed in January 2025. In addition, in Turkey, one issuance was partially redeemed, amounting to USD 134 million, and the early redemption of another issuance of 750 million Turkish liras was announced and executed in February.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As a result of the above, the total fully loaded capital ratio stood at 16.90% as of December 31, 2024. The total phased-in capital ratio was also 16.90% as of the same date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With regard to MREL (Minimum Requirement for own funds and Eligible Liabilities) BBVA, as an MPE&lt;/span&gt;&lt;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"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;, has sub-consolidated requirements, based on its resolution group&lt;/span&gt;&lt;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"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;On March 27, 2024 the Group made public that it had received a communication from the Bank of Spain regarding its MREL requirement, established by the Single Resolution Board (&#x201c;SRB&#x201d;). According to this communication, BBVA must maintain, as from March 27, 2024, a new MREL in RWA requirement of 22.79%&lt;/span&gt;&lt;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"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;, not taking into account the current&lt;/span&gt;&lt;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"&gt;8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; combined buffer requirement (CBR) of 3.65%. In addition, BBVA must keep, also as from March 27, 2024, a volume of own funds and eligible liabilities in terms of total exposure considered for purposes of calculating the leverage ratio of 8.48% (the &#x201c;MREL in LR&#x201d;)&lt;/span&gt;&lt;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"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With respect to the MREL ratios achieved as of December 31, 2024, these were 27.92% and 12.10%, respectively for MREL in RWA and MREL in LR, reaching the subordinated ratios of both 23.13% and 10.03%, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Given the structure of the resolution group's own funds and eligible liabilities, as of December 31, 2024, the Group meets the aforementioned requirements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, on January 1, 2025, the bulk of the articles of the new Capital Requirements Regulation (Regulation (EU) 2024/1623), more commonly known as "CRR III," came into force, aiming to implement the Basel III framework reform in Europe. At the date of preparation of the Consolidated Financial Statements, no significant impact is anticipated from its application.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Leverage ratio &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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&#x2019;s current or potential leverage of a given balance-sheet position (Leverage ratio exposure). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Breakdown of leverage ratio as of December 31, 2024, 2023 and 2022, calculated according to CCR, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.684%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.306%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Leverage ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tier 1 (millions of Euros) (a)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56,822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,931&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exposure to leverage ratio (millions of Euros) (b)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;834,488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;797,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;737,990&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Leverage ratio (a)/(b) (percentage)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Capital management&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 (RAF).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 Budget and the Liquidity and Funding Plan, with which it is coordinated &#x2014; all with the aim of achieving the Group's overall strategy.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 RAF, this optimal allocation serves as a guide for the Group's capital management and seeks a solid capital position that makes it possible to:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:31.56pt"&gt;anticipate ordinary and extraordinary consumption that may occur, even under stress;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;promote the development of the Group's business and align it with capital and profitability objectives by allocating resources appropriately and efficiently;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;cover all risks &#x2014;including potential risks&#x2014; to which it is exposed;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;comply with regulatory and internal management requirements at all times; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;remunerate BBVA shareholders in accordance with the Shareholder Remuneration Policy in force at any given time.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The areas involved in capital management in the Group shall follow and respect the following principles in their respective areas of responsibility:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;ensuring that capital management is integrated and consistent with the Group's Strategic Plan, RAF, Budget and other strategic-prospective processes, to help achieve the Group's long-term sustainability;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;taking into account both the applicable regulatory and supervisory requirements and the risks to which the Group is &#x2014;or may be&#x2014; exposed when conducting its business (economic view), when establishing a target capital level, all while adopting a forward-looking vision that takes adverse scenarios into consideration;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;ensuring compliance with the solvency levels, including the MREL, required at any given time;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;compensating BBVA shareholders in an adequate and sustainable manner; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;optimizing the cost of all instruments used for the purpose of meeting the target capital level at any given time.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;To achieve the aforementioned principles, capital management will be based on the following essential elements:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;an adequate governance and management scheme, both at the corporate body level and at the executive level;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;planning, managing and monitoring capital properly, using the measurement systems, tools, structures, resources and quality data necessary to do so;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;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;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;a transparent, correct, consistent and timely communication and dissemination of capital information outside the Group;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;an internal regulatory body, which is duly updated, including with respect to the regulations and procedures that ensure adequate capital management.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfCapitalBaseAndCapitalManagementTextBlock>
    <bbva:EligibleCapitalResourcesTableTextBlock contextRef="c-1" id="f-10286">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A reconciliation of the main figures between the accounting and regulatory own funds as of December 31, 2024, 2023 and 2022 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.366%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.688%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.148%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Eligible capital resources (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,955&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Share premium&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,184&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20,856&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Retained earnings, revaluation reserves and other reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42,507&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,251&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,056&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other equity instruments, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Treasury shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Profit (loss) attributable to the parent company&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,054&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,358&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interim dividend&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,668)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(951)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(722)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;72,875&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;67,955&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;64,535&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Accumulated other comprehensive income (loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17,220)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(16,254)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17,642)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Minority interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,359&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,564&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,623&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Shareholders' equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,265&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;50,517&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Goodwill and other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,553)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,421)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1,395)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Differences from solvency and accounting perimeter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(185)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(137)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(123)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Equity not eligible at solvency level&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(185)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(137)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(123)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other adjustments and deductions &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,476)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(7,591)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(6,262)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Common Equity Tier 1 (CET 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;50,799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,738&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Additional Tier 1 before Regulatory Adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,033&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total Regulatory Adjustments to Additional Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;56,822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;52,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,931&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,858&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,930&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total Capital (Total Capital = Tier 1 + Tier 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;66,680&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;53,861&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total Minimum equity required &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;52,427&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,455&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;43,111&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) The caption &#x201c;Other adjustments and deductions&#x201d; include, among others, the adjustment for non-computable minority interests, the amount of repurchases of own shares up to the maximum limit authorized by the ECB to the BBVA Group and the amount of dividends pending distribution.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Calculated based on total minimum capital requirements applicable in each period.&lt;/span&gt;&lt;/div&gt;</bbva:EligibleCapitalResourcesTableTextBlock>
    <ifrs-full:IssuedCapital contextRef="c-13" decimals="-6" id="f-10287" unitRef="eur">2824000000</ifrs-full:IssuedCapital>
    <ifrs-full:IssuedCapital contextRef="c-20" decimals="-6" id="f-10288" unitRef="eur">2861000000</ifrs-full:IssuedCapital>
    <ifrs-full:IssuedCapital contextRef="c-21" decimals="-6" id="f-10289" unitRef="eur">2955000000</ifrs-full:IssuedCapital>
    <ifrs-full:SharePremium contextRef="c-13" decimals="-6" id="f-10290" unitRef="eur">19184000000</ifrs-full:SharePremium>
    <ifrs-full:SharePremium contextRef="c-20" decimals="-6" id="f-10291" unitRef="eur">19769000000</ifrs-full:SharePremium>
    <ifrs-full:SharePremium contextRef="c-21" decimals="-6" id="f-10292" unitRef="eur">20856000000</ifrs-full:SharePremium>
    <bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10293" unitRef="eur">42507000000</bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources>
    <bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10294" unitRef="eur">38251000000</bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources>
    <bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10295" unitRef="eur">35056000000</bbva:RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources>
    <ifrs-full:OtherEquityInterest contextRef="c-13" decimals="-6" id="f-10296" unitRef="eur">40000000</ifrs-full:OtherEquityInterest>
    <ifrs-full:OtherEquityInterest contextRef="c-20" decimals="-6" id="f-10297" unitRef="eur">40000000</ifrs-full:OtherEquityInterest>
    <ifrs-full:OtherEquityInterest contextRef="c-21" decimals="-6" id="f-10298" unitRef="eur">63000000</ifrs-full:OtherEquityInterest>
    <ifrs-full:TreasuryShares contextRef="c-13" decimals="-6" id="f-10299" unitRef="eur">66000000</ifrs-full:TreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-20" decimals="-6" id="f-10300" unitRef="eur">34000000</ifrs-full:TreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-21" decimals="-6" id="f-10301" unitRef="eur">29000000</ifrs-full:TreasuryShares>
    <bbva:ProfitOrLossAttributableToOwnersOfTheParent contextRef="c-13" decimals="-6" id="f-10302" unitRef="eur">10054000000</bbva:ProfitOrLossAttributableToOwnersOfTheParent>
    <bbva:ProfitOrLossAttributableToOwnersOfTheParent contextRef="c-20" decimals="-6" id="f-10303" unitRef="eur">8019000000</bbva:ProfitOrLossAttributableToOwnersOfTheParent>
    <bbva:ProfitOrLossAttributableToOwnersOfTheParent contextRef="c-21" decimals="-6" id="f-10304" unitRef="eur">6358000000</bbva:ProfitOrLossAttributableToOwnersOfTheParent>
    <bbva:InterimDividends contextRef="c-13" decimals="-6" id="f-10305" unitRef="eur">-1668000000</bbva:InterimDividends>
    <bbva:InterimDividends contextRef="c-20" decimals="-6" id="f-10306" unitRef="eur">-951000000</bbva:InterimDividends>
    <bbva:InterimDividends contextRef="c-21" decimals="-6" id="f-10307" unitRef="eur">-722000000</bbva:InterimDividends>
    <bbva:ShareholdersFundsEligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10308" unitRef="eur">72875000000</bbva:ShareholdersFundsEligibleCapitalResources>
    <bbva:ShareholdersFundsEligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10309" unitRef="eur">67955000000</bbva:ShareholdersFundsEligibleCapitalResources>
    <bbva:ShareholdersFundsEligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10310" unitRef="eur">64535000000</bbva:ShareholdersFundsEligibleCapitalResources>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-13" decimals="-6" id="f-10311" unitRef="eur">-17220000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-20" decimals="-6" id="f-10312" unitRef="eur">-16254000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-21" decimals="-6" id="f-10313" unitRef="eur">-17642000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:NoncontrollingInterests contextRef="c-13" decimals="-6" id="f-10314" unitRef="eur">4359000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-20" decimals="-6" id="f-10315" unitRef="eur">3564000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-21" decimals="-6" id="f-10316" unitRef="eur">3623000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:Equity contextRef="c-13" decimals="-6" id="f-10317" unitRef="eur">60014000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-20" decimals="-6" id="f-10318" unitRef="eur">55265000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-21" decimals="-6" id="f-10319" unitRef="eur">50517000000</ifrs-full:Equity>
    <bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10320" unitRef="eur">-1553000000</bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources>
    <bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10321" unitRef="eur">-1421000000</bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources>
    <bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10322" unitRef="eur">-1395000000</bbva:GoodwillAndOtherIntangibleAssetsEligibleCapitalResources>
    <bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10323" unitRef="eur">-185000000</bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources>
    <bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10324" unitRef="eur">-137000000</bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources>
    <bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10325" unitRef="eur">-123000000</bbva:DifferencesFromSolvencyAndAccountingPerimeterEligibleCapitalResources>
    <bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10326" unitRef="eur">-185000000</bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources>
    <bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10327" unitRef="eur">-137000000</bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources>
    <bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10328" unitRef="eur">-123000000</bbva:EquityNotEligibleAtSolvencyLevelEligibleCapitalResources>
    <bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10329" unitRef="eur">-7476000000</bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources>
    <bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10330" unitRef="eur">-7591000000</bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources>
    <bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10331" unitRef="eur">-6262000000</bbva:OtherAdjustmentsAndDeductionsEligibleCapitalResources>
    <bbva:CommonEquityTier1CET1EligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10332" unitRef="eur">50799000000</bbva:CommonEquityTier1CET1EligibleCapitalResources>
    <bbva:CommonEquityTier1CET1EligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10333" unitRef="eur">46116000000</bbva:CommonEquityTier1CET1EligibleCapitalResources>
    <bbva:CommonEquityTier1CET1EligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10334" unitRef="eur">42738000000</bbva:CommonEquityTier1CET1EligibleCapitalResources>
    <bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10335" unitRef="eur">6023000000</bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources>
    <bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10336" unitRef="eur">6033000000</bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources>
    <bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10337" unitRef="eur">5193000000</bbva:AdditionalTier1BeforeRegulatoryAdjustmentsEligibleCapitalResources>
    <bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10338" unitRef="eur">0</bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources>
    <bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10339" unitRef="eur">0</bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources>
    <bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10340" unitRef="eur">0</bbva:TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources>
    <bbva:Tier1EligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10341" unitRef="eur">56822000000</bbva:Tier1EligibleCapitalResources>
    <bbva:Tier1EligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10342" unitRef="eur">52150000000</bbva:Tier1EligibleCapitalResources>
    <bbva:Tier1EligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10343" unitRef="eur">47931000000</bbva:Tier1EligibleCapitalResources>
    <bbva:Tier2EligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10344" unitRef="eur">9858000000</bbva:Tier2EligibleCapitalResources>
    <bbva:Tier2EligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10345" unitRef="eur">8182000000</bbva:Tier2EligibleCapitalResources>
    <bbva:Tier2EligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10346" unitRef="eur">5930000000</bbva:Tier2EligibleCapitalResources>
    <bbva:TotalCapitalTier1Tier2EligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10347" unitRef="eur">66680000000</bbva:TotalCapitalTier1Tier2EligibleCapitalResources>
    <bbva:TotalCapitalTier1Tier2EligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10348" unitRef="eur">60332000000</bbva:TotalCapitalTier1Tier2EligibleCapitalResources>
    <bbva:TotalCapitalTier1Tier2EligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10349" unitRef="eur">53861000000</bbva:TotalCapitalTier1Tier2EligibleCapitalResources>
    <bbva:TotalMinimumEquityRequiredEligibleCapitalResources contextRef="c-13" decimals="-6" id="f-10350" unitRef="eur">52427000000</bbva:TotalMinimumEquityRequiredEligibleCapitalResources>
    <bbva:TotalMinimumEquityRequiredEligibleCapitalResources contextRef="c-20" decimals="-6" id="f-10351" unitRef="eur">47455000000</bbva:TotalMinimumEquityRequiredEligibleCapitalResources>
    <bbva:TotalMinimumEquityRequiredEligibleCapitalResources contextRef="c-21" decimals="-6" id="f-10352" unitRef="eur">43111000000</bbva:TotalMinimumEquityRequiredEligibleCapitalResources>
    <bbva:AmountOfCapitalCC1TableTextBlock contextRef="c-1" id="f-10353">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Group&#x2019;s eligible own funds and risk-weighted assets (RWAs) in accordance with the aforementioned applicable regulation as of December 31, 2024, 2023 and 2022 are shown below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.542%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Amount of capital CC1 (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Capital and share premium &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,008&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;22,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;23,810&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Retained earnings and equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;39,652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,436&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other accumulated income and other reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(14,334)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(12,872)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(13,952)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Minority interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,343&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,864&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,853&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net attributable profit &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,814&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Common Equity Tier I (CET1) before other regulatory adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;54,681&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;51,269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46,962&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Goodwill and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,553)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,421)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,395)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Direct, indirect and synthetic holdings in own Common Equity Tier I instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(243)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(331)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(356)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deferred tax assets &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(844)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(988)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,057)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other deductions and filters &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,242)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,412)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,416)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total common equity Tier 1 regulatory adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(3,882)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(5,153)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(4,223)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Common equity TIER 1 (CET1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;50,799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;46,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,738&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Capital instruments and share premium accounts classified as liabilities and qualifying as Additional Tier I&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,715&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,875&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Qualifying Tier 1 capital included in consolidated AT1 capital issued by subsidiaries and held by third parties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;318&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Additional Tier 1 (CET 1) before regulatory adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,033&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transitional CET 1 adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total regulatory adjustments to additional Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Additional Tier 1 (AT1) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,033&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 1 (Common equity TIER 1 + additional TIER 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;56,822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;52,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,931&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Capital instruments and share premium accounted as Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,510&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Qualifying Tier 2 capital included in consolidated T2 capital issued by subsidiaries and held by third parties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,192&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,310&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit risk adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;213&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 2 before regulatory adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,868&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,192&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,033&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 2 regulatory adjustments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(103)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Tier 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,858&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,930&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total capital (Total capital = Tier 1 + Tier 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;66,680&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;60,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;53,861&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total RWA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;394,468&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;363,915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;337,066&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;CET 1 (phased-in)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12.68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tier 1 (phased-in)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14.40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Total capital (phased-in)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16.90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16.58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15.98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) In 2022, the difference between the phased-in and fully-loaded ratios arises from the temporary treatment of certain capital items, mainly as a result of the impact of IFRS 9, to which the BBVA Group adhered voluntarily (in accordance with article 473bis of the CRR and the subsequent amendments introduced by the Regulation (EU) 2020/873). In 2024 and 2023, there are no differences between phased-in and fully-loaded ratios due to the aforementioned temporary treatment.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) As of December 31, 2024, the total shareholder remuneration corresponding to the year 2024 (composed by a cash dividend, the share repurchase program and the proposed cash dividend subject to approval at the General Shareholders' Meeting), is deducted. As of December 31, 2023 and 2022 the cash dividends approved by the respective General Shareholders' Meetings are deducted.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) As of December 31, 2023 and 2022, the amounts of the share repurchase programs were deducted.&lt;/span&gt;&lt;/div&gt;</bbva:AmountOfCapitalCC1TableTextBlock>
    <bbva:TotalTier1
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    <bbva:TotalTier1
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      id="f-10385"
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      id="f-10391"
      unitRef="eur">5715000000</bbva:TotalTier1>
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      unitRef="eur">4875000000</bbva:TotalTier1>
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      id="f-10393"
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      id="f-10394"
      unitRef="eur">319000000</bbva:TotalTier1>
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      id="f-10395"
      unitRef="eur">318000000</bbva:TotalTier1>
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      id="f-10396"
      unitRef="eur">6023000000</bbva:TotalTier1>
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      contextRef="c-4263"
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      id="f-10397"
      unitRef="eur">6033000000</bbva:TotalTier1>
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      id="f-10398"
      unitRef="eur">5193000000</bbva:TotalTier1>
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      id="f-10399"
      unitRef="eur">0</bbva:TotalTier1>
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      id="f-10400"
      unitRef="eur">0</bbva:TotalTier1>
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      id="f-10401"
      unitRef="eur">0</bbva:TotalTier1>
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      id="f-10402"
      unitRef="eur">0</bbva:TotalTier1>
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      id="f-10403"
      unitRef="eur">0</bbva:TotalTier1>
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      id="f-10404"
      unitRef="eur">0</bbva:TotalTier1>
    <bbva:TotalTier1
      contextRef="c-4271"
      decimals="-6"
      id="f-10405"
      unitRef="eur">6023000000</bbva:TotalTier1>
    <bbva:TotalTier1
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      decimals="-6"
      id="f-10406"
      unitRef="eur">6033000000</bbva:TotalTier1>
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      decimals="-6"
      id="f-10407"
      unitRef="eur">5193000000</bbva:TotalTier1>
    <bbva:TotalTier1 contextRef="c-13" decimals="-6" id="f-10408" unitRef="eur">56822000000</bbva:TotalTier1>
    <bbva:TotalTier1 contextRef="c-20" decimals="-6" id="f-10409" unitRef="eur">52150000000</bbva:TotalTier1>
    <bbva:TotalTier1 contextRef="c-21" decimals="-6" id="f-10410" unitRef="eur">47931000000</bbva:TotalTier1>
    <bbva:TotalCapitalTier2
      contextRef="c-4274"
      decimals="-6"
      id="f-10411"
      unitRef="eur">5629000000</bbva:TotalCapitalTier2>
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      id="f-10412"
      unitRef="eur">5214000000</bbva:TotalCapitalTier2>
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      contextRef="c-4276"
      decimals="-6"
      id="f-10413"
      unitRef="eur">3510000000</bbva:TotalCapitalTier2>
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      decimals="-6"
      id="f-10414"
      unitRef="eur">4192000000</bbva:TotalCapitalTier2>
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      contextRef="c-4278"
      decimals="-6"
      id="f-10415"
      unitRef="eur">2890000000</bbva:TotalCapitalTier2>
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      id="f-10416"
      unitRef="eur">2310000000</bbva:TotalCapitalTier2>
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      id="f-10417"
      unitRef="eur">47000000</bbva:TotalCapitalTier2>
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      id="f-10418"
      unitRef="eur">88000000</bbva:TotalCapitalTier2>
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      id="f-10419"
      unitRef="eur">213000000</bbva:TotalCapitalTier2>
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      id="f-10420"
      unitRef="eur">9868000000</bbva:TotalCapitalTier2>
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      id="f-10421"
      unitRef="eur">8192000000</bbva:TotalCapitalTier2>
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      decimals="-6"
      id="f-10422"
      unitRef="eur">6033000000</bbva:TotalCapitalTier2>
    <bbva:TotalCapitalTier2
      contextRef="c-4286"
      decimals="-6"
      id="f-10423"
      unitRef="eur">-10000000</bbva:TotalCapitalTier2>
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      id="f-10424"
      unitRef="eur">-10000000</bbva:TotalCapitalTier2>
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      decimals="-6"
      id="f-10425"
      unitRef="eur">-103000000</bbva:TotalCapitalTier2>
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      decimals="-6"
      id="f-10426"
      unitRef="eur">9858000000</bbva:TotalCapitalTier2>
    <bbva:TotalCapitalTier2
      contextRef="c-4290"
      decimals="-6"
      id="f-10427"
      unitRef="eur">8182000000</bbva:TotalCapitalTier2>
    <bbva:TotalCapitalTier2
      contextRef="c-4291"
      decimals="-6"
      id="f-10428"
      unitRef="eur">5930000000</bbva:TotalCapitalTier2>
    <bbva:TotalCapitalTier1Tier2 contextRef="c-13" decimals="-6" id="f-10429" unitRef="eur">66680000000</bbva:TotalCapitalTier1Tier2>
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    <bbva:TotalCapitalTier1Tier2 contextRef="c-21" decimals="-6" id="f-10431" unitRef="eur">53861000000</bbva:TotalCapitalTier1Tier2>
    <bbva:TotalRWA contextRef="c-13" decimals="-6" id="f-10432" unitRef="eur">394468000000</bbva:TotalRWA>
    <bbva:TotalRWA contextRef="c-20" decimals="-6" id="f-10433" unitRef="eur">363915000000</bbva:TotalRWA>
    <bbva:TotalRWA contextRef="c-21" decimals="-6" id="f-10434" unitRef="eur">337066000000</bbva:TotalRWA>
    <bbva:PercentageRatioPhaseIn
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      decimals="4"
      id="f-10435"
      unitRef="number">0.1288</bbva:PercentageRatioPhaseIn>
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      contextRef="c-4293"
      decimals="4"
      id="f-10436"
      unitRef="number">0.1267</bbva:PercentageRatioPhaseIn>
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      contextRef="c-4294"
      decimals="4"
      id="f-10437"
      unitRef="number">0.1268</bbva:PercentageRatioPhaseIn>
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      contextRef="c-4295"
      decimals="4"
      id="f-10438"
      unitRef="number">0.1440</bbva:PercentageRatioPhaseIn>
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      contextRef="c-4296"
      decimals="4"
      id="f-10439"
      unitRef="number">0.1433</bbva:PercentageRatioPhaseIn>
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      contextRef="c-4297"
      decimals="4"
      id="f-10440"
      unitRef="number">0.1422</bbva:PercentageRatioPhaseIn>
    <bbva:PercentageRatioPhaseIn
      contextRef="c-4298"
      decimals="4"
      id="f-10441"
      unitRef="number">0.1690</bbva:PercentageRatioPhaseIn>
    <bbva:PercentageRatioPhaseIn
      contextRef="c-4299"
      decimals="4"
      id="f-10442"
      unitRef="number">0.1658</bbva:PercentageRatioPhaseIn>
    <bbva:PercentageRatioPhaseIn
      contextRef="c-4300"
      decimals="4"
      id="f-10443"
      unitRef="number">0.1598</bbva:PercentageRatioPhaseIn>
    <bbva:LeverageRatioTableTextBlock contextRef="c-1" id="f-10444">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Breakdown of leverage ratio as of December 31, 2024, 2023 and 2022, calculated according to CCR, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.684%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.305%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.306%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Leverage ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tier 1 (millions of Euros) (a)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56,822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;52,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,931&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exposure to leverage ratio (millions of Euros) (b)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;834,488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;797,888&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;737,990&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Leverage ratio (a)/(b) (percentage)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6.49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:LeverageRatioTableTextBlock>
    <bbva:Tier1 contextRef="c-13" decimals="-6" id="f-10445" unitRef="eur">56822000000</bbva:Tier1>
    <bbva:Tier1 contextRef="c-20" decimals="-6" id="f-10446" unitRef="eur">52150000000</bbva:Tier1>
    <bbva:Tier1 contextRef="c-21" decimals="-6" id="f-10447" unitRef="eur">47931000000</bbva:Tier1>
    <bbva:ExposureToLeverageRatio contextRef="c-13" decimals="-6" id="f-10448" unitRef="eur">834488000000</bbva:ExposureToLeverageRatio>
    <bbva:ExposureToLeverageRatio contextRef="c-20" decimals="-6" id="f-10449" unitRef="eur">797888000000</bbva:ExposureToLeverageRatio>
    <bbva:ExposureToLeverageRatio contextRef="c-21" decimals="-6" id="f-10450" unitRef="eur">737990000000</bbva:ExposureToLeverageRatio>
    <bbva:LeverageRatio
      contextRef="c-13"
      decimals="4"
      id="f-10451"
      unitRef="number">0.0681</bbva:LeverageRatio>
    <bbva:LeverageRatio
      contextRef="c-20"
      decimals="4"
      id="f-10452"
      unitRef="number">0.0654</bbva:LeverageRatio>
    <bbva:LeverageRatio
      contextRef="c-21"
      decimals="4"
      id="f-10453"
      unitRef="number">0.0649</bbva:LeverageRatio>
    <bbva:DisclosureOfCommitmentsAndGuaranteesGivenTextBlock contextRef="c-1" id="f-10454">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Commitments and guarantees given&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the off-balance sheet exposures is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.604%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commitments and guarantees given (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;188,515&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;152,868&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;136,920&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,031&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,441&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,595&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,407&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,895&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;82,891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,120&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55,791&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,467&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;18,839&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,511&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: impaired &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;192&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;281&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;74&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;978&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;475&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,843&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,263&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,724&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,541&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;135&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other commitments given &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;51,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;39,137&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: impaired &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;439&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;689&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;215&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,447&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,607&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,134&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,837&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,758&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,681&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32,858&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;262,233&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;214,283&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;192,568&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Non-performing financial guarantees given amounted to &#x20ac;631, &#x20ac;865, and &#x20ac;970 million, respectively, as of December 31, 2024, 2023 and 2022.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024 and 2023, the provisions for loan commitments, financial guarantees and other commitments given, recorded in the consolidated balance sheet amounted to &#x20ac;372, &#x20ac;140 and &#x20ac;155; and &#x20ac;277 million, &#x20ac;190 million and &#x20ac;303 million, respectively (see Note 24).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;In the years 2024, 2023 and 2022, no issuance of debt securities carried out by associates of the BBVA Group, joint venture entities or non-Group entities have been guaranteed.</bbva:DisclosureOfCommitmentsAndGuaranteesGivenTextBlock>
    <bbva:CommitmentsAndGuaranteesGivenTableTextBlock contextRef="c-1" id="f-10455">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the off-balance sheet exposures is as follows:&lt;/span&gt;&lt;/div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.604%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Commitments and guarantees given (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;188,515&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;152,868&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;136,920&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,031&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,441&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,595&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,407&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,063&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,895&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;82,891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;68,120&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55,791&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44,467&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;18,839&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;16,511&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: impaired &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;192&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;281&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-right:1pt solid #FFFFFF;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;183&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;74&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;978&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;475&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,843&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,263&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,724&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15,460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,541&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;135&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other commitments given &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;51,215&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;42,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;39,137&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: impaired &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;439&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;689&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-left:1pt solid #FFFFFF;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;General governments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;215&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,447&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,607&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,134&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,837&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,758&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-financial corporations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;41,005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,681&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32,858&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Households &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7.2.2&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;262,233&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;214,283&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;192,568&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;(1) Non-performing financial guarantees given amounted to &#x20ac;631, &#x20ac;865, and &#x20ac;970 million, respectively, as of December 31, 2024, 2023 and 2022.</bbva:CommitmentsAndGuaranteesGivenTableTextBlock>
    <bbva:MemorandumLoanCommitmentsGiven contextRef="c-13" decimals="-6" id="f-10456" unitRef="eur">188515000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven contextRef="c-20" decimals="-6" id="f-10457" unitRef="eur">152868000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven contextRef="c-21" decimals="-6" id="f-10458" unitRef="eur">136920000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4301"
      decimals="-6"
      id="f-10459"
      unitRef="eur">160000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4302"
      decimals="-6"
      id="f-10460"
      unitRef="eur">165000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4303"
      decimals="-6"
      id="f-10461"
      unitRef="eur">177000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4304"
      decimals="-6"
      id="f-10462"
      unitRef="eur">254000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4305"
      decimals="-6"
      id="f-10463"
      unitRef="eur">0</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4306"
      decimals="-6"
      id="f-10464"
      unitRef="eur">0</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4307"
      decimals="-6"
      id="f-10465"
      unitRef="eur">3247000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4308"
      decimals="-6"
      id="f-10466"
      unitRef="eur">3115000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4309"
      decimals="-6"
      id="f-10467"
      unitRef="eur">3031000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
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    <bbva:MemorandumLoanCommitmentsGiven
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      id="f-10469"
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    <bbva:MemorandumLoanCommitmentsGiven
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    <bbva:MemorandumLoanCommitmentsGiven
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      decimals="-6"
      id="f-10472"
      unitRef="eur">7063000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4315"
      decimals="-6"
      id="f-10473"
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    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4316"
      decimals="-6"
      id="f-10474"
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    <bbva:MemorandumLoanCommitmentsGiven
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      id="f-10475"
      unitRef="eur">71303000000</bbva:MemorandumLoanCommitmentsGiven>
    <bbva:MemorandumLoanCommitmentsGiven
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      decimals="-6"
      id="f-10476"
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    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4320"
      decimals="-6"
      id="f-10478"
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    <bbva:MemorandumLoanCommitmentsGiven
      contextRef="c-4321"
      decimals="-6"
      id="f-10479"
      unitRef="eur">44467000000</bbva:MemorandumLoanCommitmentsGiven>
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      unitRef="eur">192000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      decimals="-6"
      id="f-10484"
      unitRef="eur">229000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
      contextRef="c-4303"
      decimals="-6"
      id="f-10485"
      unitRef="eur">281000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
      contextRef="c-4304"
      decimals="-6"
      id="f-10486"
      unitRef="eur">0</bbva:MemorandumFinancialGuaranteesGiven>
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    <bbva:MemorandumFinancialGuaranteesGiven
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      unitRef="eur">183000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      id="f-10490"
      unitRef="eur">74000000</bbva:MemorandumFinancialGuaranteesGiven>
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      id="f-10491"
      unitRef="eur">96000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
      contextRef="c-4310"
      decimals="-6"
      id="f-10492"
      unitRef="eur">636000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      decimals="-6"
      id="f-10493"
      unitRef="eur">978000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      decimals="-6"
      id="f-10494"
      unitRef="eur">475000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      decimals="-6"
      id="f-10495"
      unitRef="eur">2843000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      decimals="-6"
      id="f-10496"
      unitRef="eur">2177000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      decimals="-6"
      id="f-10497"
      unitRef="eur">1263000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      decimals="-6"
      id="f-10498"
      unitRef="eur">18724000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
      contextRef="c-4317"
      decimals="-6"
      id="f-10499"
      unitRef="eur">15460000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      decimals="-6"
      id="f-10500"
      unitRef="eur">14541000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
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      decimals="-6"
      id="f-10501"
      unitRef="eur">116000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
      contextRef="c-4320"
      decimals="-6"
      id="f-10502"
      unitRef="eur">150000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumFinancialGuaranteesGiven
      contextRef="c-4321"
      decimals="-6"
      id="f-10503"
      unitRef="eur">135000000</bbva:MemorandumFinancialGuaranteesGiven>
    <bbva:MemorandumOtherCommitmentsGiven contextRef="c-13" decimals="-6" id="f-10504" unitRef="eur">51215000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven contextRef="c-20" decimals="-6" id="f-10505" unitRef="eur">42577000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven contextRef="c-21" decimals="-6" id="f-10506" unitRef="eur">39137000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4301"
      decimals="-6"
      id="f-10507"
      unitRef="eur">439000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4302"
      decimals="-6"
      id="f-10508"
      unitRef="eur">636000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4303"
      decimals="-6"
      id="f-10509"
      unitRef="eur">689000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4304"
      decimals="-6"
      id="f-10510"
      unitRef="eur">0</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4305"
      decimals="-6"
      id="f-10511"
      unitRef="eur">0</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4306"
      decimals="-6"
      id="f-10512"
      unitRef="eur">0</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4307"
      decimals="-6"
      id="f-10513"
      unitRef="eur">354000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4308"
      decimals="-6"
      id="f-10514"
      unitRef="eur">327000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4309"
      decimals="-6"
      id="f-10515"
      unitRef="eur">215000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4310"
      decimals="-6"
      id="f-10516"
      unitRef="eur">6447000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4311"
      decimals="-6"
      id="f-10517"
      unitRef="eur">3607000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4312"
      decimals="-6"
      id="f-10518"
      unitRef="eur">4134000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4313"
      decimals="-6"
      id="f-10519"
      unitRef="eur">3256000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4314"
      decimals="-6"
      id="f-10520"
      unitRef="eur">1837000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4315"
      decimals="-6"
      id="f-10521"
      unitRef="eur">1758000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4316"
      decimals="-6"
      id="f-10522"
      unitRef="eur">41005000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4317"
      decimals="-6"
      id="f-10523"
      unitRef="eur">36681000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4318"
      decimals="-6"
      id="f-10524"
      unitRef="eur">32858000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4319"
      decimals="-6"
      id="f-10525"
      unitRef="eur">153000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4320"
      decimals="-6"
      id="f-10526"
      unitRef="eur">125000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:MemorandumOtherCommitmentsGiven
      contextRef="c-4321"
      decimals="-6"
      id="f-10527"
      unitRef="eur">171000000</bbva:MemorandumOtherCommitmentsGiven>
    <bbva:TotalLoanCommitmentsAndFinancialGuarantees contextRef="c-13" decimals="-6" id="f-10528" unitRef="eur">262233000000</bbva:TotalLoanCommitmentsAndFinancialGuarantees>
    <bbva:TotalLoanCommitmentsAndFinancialGuarantees contextRef="c-20" decimals="-6" id="f-10529" unitRef="eur">214283000000</bbva:TotalLoanCommitmentsAndFinancialGuarantees>
    <bbva:TotalLoanCommitmentsAndFinancialGuarantees contextRef="c-21" decimals="-6" id="f-10530" unitRef="eur">192568000000</bbva:TotalLoanCommitmentsAndFinancialGuarantees>
    <bbva:DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock contextRef="c-1" id="f-10531">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Other contingent assets and liabilities&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022 there were no material contingent assets or liabilities other than those disclosed in the Notes to the consolidated financial statements.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock>
    <bbva:DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock contextRef="c-1" id="f-10532">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Purchase and sale commitments and future payment obligations&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The purchase and sale commitments of the BBVA Group are disclosed in Notes 10, 14 and 22.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock>
    <bbva:TransactionsOnBehalfOfThirdPartiesTextBlock contextRef="c-1" id="f-10533">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Transactions on behalf of third parties&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The details of the relevant transactions on behalf of third parties are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Transactions on behalf of third parties. Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial instruments entrusted to BBVA by third parties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;496,082&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;430,377&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;352,139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Conditional bills and other securities received for collection&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,738&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securities lending&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,223&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;515,241&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;448,899&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;367,100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:TransactionsOnBehalfOfThirdPartiesTextBlock>
    <bbva:TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock contextRef="c-1" id="f-10534">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The details of the relevant transactions on behalf of third parties are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Transactions on behalf of third parties. Breakdown by concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial instruments entrusted to BBVA by third parties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;496,082&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;430,377&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;352,139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Conditional bills and other securities received for collection&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12,125&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,738&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securities lending&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,223&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;515,241&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;448,899&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;367,100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:TransactionsOnBehalfOfThirdPartiesBreakdownByConceptsTableTextBlock>
    <bbva:FinancialInstrumentsEntrustedByThirdParties contextRef="c-13" decimals="-6" id="f-10535" unitRef="eur">496082000000</bbva:FinancialInstrumentsEntrustedByThirdParties>
    <bbva:FinancialInstrumentsEntrustedByThirdParties contextRef="c-20" decimals="-6" id="f-10536" unitRef="eur">430377000000</bbva:FinancialInstrumentsEntrustedByThirdParties>
    <bbva:FinancialInstrumentsEntrustedByThirdParties contextRef="c-21" decimals="-6" id="f-10537" unitRef="eur">352139000000</bbva:FinancialInstrumentsEntrustedByThirdParties>
    <bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection contextRef="c-13" decimals="-6" id="f-10538" unitRef="eur">13460000000</bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection>
    <bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection contextRef="c-20" decimals="-6" id="f-10539" unitRef="eur">12125000000</bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection>
    <bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection contextRef="c-21" decimals="-6" id="f-10540" unitRef="eur">11738000000</bbva:ConditionalBillsAndOtherSecuritiesReceivedForCollection>
    <bbva:SecuritiesLendingOnBehalfOfThirdParties contextRef="c-13" decimals="-6" id="f-10541" unitRef="eur">5700000000</bbva:SecuritiesLendingOnBehalfOfThirdParties>
    <bbva:SecuritiesLendingOnBehalfOfThirdParties contextRef="c-20" decimals="-6" id="f-10542" unitRef="eur">6397000000</bbva:SecuritiesLendingOnBehalfOfThirdParties>
    <bbva:SecuritiesLendingOnBehalfOfThirdParties contextRef="c-21" decimals="-6" id="f-10543" unitRef="eur">3223000000</bbva:SecuritiesLendingOnBehalfOfThirdParties>
    <bbva:TotalTransactionsOnBehalfOfThirdParties contextRef="c-13" decimals="-6" id="f-10544" unitRef="eur">515241000000</bbva:TotalTransactionsOnBehalfOfThirdParties>
    <bbva:TotalTransactionsOnBehalfOfThirdParties contextRef="c-20" decimals="-6" id="f-10545" unitRef="eur">448899000000</bbva:TotalTransactionsOnBehalfOfThirdParties>
    <bbva:TotalTransactionsOnBehalfOfThirdParties contextRef="c-21" decimals="-6" id="f-10546" unitRef="eur">367100000000</bbva:TotalTransactionsOnBehalfOfThirdParties>
    <bbva:DisclosureOfNetInterestIncomeTextBlock contextRef="c-1" id="f-10547">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Interest and other income&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the interest and other income recognized in the consolidated income statement is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest and other income. Breakdown by origin (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,984&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,079&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,110&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;50,243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,328&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,258&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance activity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,448&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,052&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,309&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Adjustments of income as a result of hedging transactions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(825)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other income &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;297&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;61,659&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31,432&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Includes interest on demand deposits at central banks and credit institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Includes, among others, the net interest income accrued from funds obtained through TLTRO III operations, which amounted to &#x20ac;177 million for the year ended December 31, 2022 (see Note 22.1).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amounts recognized in consolidated equity in connection with hedging derivatives for the years ended December 31, 2024, 2023 and 2022 and the amounts derecognized from the consolidated equity and taken to the consolidated income statements during those years are included in the &#x201c;Consolidated statements of recognized income and expense&#x201d;.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Interest expense&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest expense. Breakdown by origin (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,140&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28,379&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,164&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,985&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Adjustments of expense as a result of hedging transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;809&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance activity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;633&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;948&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cost attributable to pension funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;333&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;36,392&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,761&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,309&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfNetInterestIncomeTextBlock>
    <bbva:InterestIncomeBreakdownByOriginTableTextBlock contextRef="c-1" id="f-10548">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the interest and other income recognized in the consolidated income statement is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest and other income. Breakdown by origin (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,984&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,079&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,098&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,110&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;50,243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,328&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25,258&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance activity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,448&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,052&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,309&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Adjustments of income as a result of hedging transactions &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(825)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other income &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;297&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;61,659&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;47,850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;31,432&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Includes interest on demand deposits at central banks and credit institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) Includes, among others, the net interest income accrued from funds obtained through TLTRO III operations, which amounted to &#x20ac;177 million for the year ended December 31, 2022 (see Note 22.1).&lt;/span&gt;&lt;/div&gt;</bbva:InterestIncomeBreakdownByOriginTableTextBlock>
    <ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading contextRef="c-1" decimals="-6" id="f-10549" unitRef="eur">5951000000</ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading>
    <ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading contextRef="c-22" decimals="-6" id="f-10550" unitRef="eur">4984000000</ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading>
    <ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading contextRef="c-23" decimals="-6" id="f-10551" unitRef="eur">2079000000</ifrs-full:InterestIncomeOnFinancialAssetsHeldForTrading>
    <bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome contextRef="c-1" decimals="-6" id="f-10552" unitRef="eur">2951000000</bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome>
    <bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome contextRef="c-22" decimals="-6" id="f-10553" unitRef="eur">3098000000</bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome>
    <bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome contextRef="c-23" decimals="-6" id="f-10554" unitRef="eur">3110000000</bbva:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeInterestAndOtherIncome>
    <bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome contextRef="c-1" decimals="-6" id="f-10555" unitRef="eur">50243000000</bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome>
    <bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome contextRef="c-22" decimals="-6" id="f-10556" unitRef="eur">38328000000</bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome>
    <bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome contextRef="c-23" decimals="-6" id="f-10557" unitRef="eur">25258000000</bbva:FinancialAssetsAtAmortizedCostInterestAndOtherIncome>
    <bbva:InterestIncomeForInsuranceActivity contextRef="c-1" decimals="-6" id="f-10558" unitRef="eur">1448000000</bbva:InterestIncomeForInsuranceActivity>
    <bbva:InterestIncomeForInsuranceActivity contextRef="c-22" decimals="-6" id="f-10559" unitRef="eur">1052000000</bbva:InterestIncomeForInsuranceActivity>
    <bbva:InterestIncomeForInsuranceActivity contextRef="c-23" decimals="-6" id="f-10560" unitRef="eur">1309000000</bbva:InterestIncomeForInsuranceActivity>
    <bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage contextRef="c-1" decimals="-6" id="f-10561" unitRef="eur">702000000</bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage>
    <bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage contextRef="c-22" decimals="-6" id="f-10562" unitRef="eur">91000000</bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage>
    <bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage contextRef="c-23" decimals="-6" id="f-10563" unitRef="eur">-825000000</bbva:InterestIncomeForAdjustmentInterestOnAccountingCoverage>
    <bbva:InterestIncomeOnOtherIncome contextRef="c-1" decimals="-6" id="f-10564" unitRef="eur">365000000</bbva:InterestIncomeOnOtherIncome>
    <bbva:InterestIncomeOnOtherIncome contextRef="c-22" decimals="-6" id="f-10565" unitRef="eur">297000000</bbva:InterestIncomeOnOtherIncome>
    <bbva:InterestIncomeOnOtherIncome contextRef="c-23" decimals="-6" id="f-10566" unitRef="eur">501000000</bbva:InterestIncomeOnOtherIncome>
    <ifrs-full:RevenueFromInterest contextRef="c-1" decimals="-6" id="f-10567" unitRef="eur">61659000000</ifrs-full:RevenueFromInterest>
    <ifrs-full:RevenueFromInterest contextRef="c-22" decimals="-6" id="f-10568" unitRef="eur">47850000000</ifrs-full:RevenueFromInterest>
    <ifrs-full:RevenueFromInterest contextRef="c-23" decimals="-6" id="f-10569" unitRef="eur">31432000000</ifrs-full:RevenueFromInterest>
    <bbva:InterestExpenseBreakdownByOriginTableTextBlock contextRef="c-1" id="f-10570">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Interest expense. Breakdown by origin (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities held for trading &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,140&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities designated at fair value through profit or loss &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28,379&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,164&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,985&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Adjustments of expense as a result of hedging transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,097&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;809&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance activity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;633&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;948&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cost attributable to pension funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;114&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;333&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;36,392&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,761&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,309&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:InterestExpenseBreakdownByOriginTableTextBlock>
    <ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading contextRef="c-1" decimals="-6" id="f-10571" unitRef="eur">5445000000</ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading>
    <ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading contextRef="c-22" decimals="-6" id="f-10572" unitRef="eur">3834000000</ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading>
    <ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading contextRef="c-23" decimals="-6" id="f-10573" unitRef="eur">1140000000</ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading>
    <ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss contextRef="c-1" decimals="-6" id="f-10574" unitRef="eur">170000000</ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss>
    <ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss contextRef="c-22" decimals="-6" id="f-10575" unitRef="eur">130000000</ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss>
    <ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss contextRef="c-23" decimals="-6" id="f-10576" unitRef="eur">58000000</ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss>
    <bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost contextRef="c-1" decimals="-6" id="f-10577" unitRef="eur">28379000000</bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost>
    <bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost contextRef="c-22" decimals="-6" id="f-10578" unitRef="eur">19164000000</bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost>
    <bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost contextRef="c-23" decimals="-6" id="f-10579" unitRef="eur">9985000000</bbva:InterestExpenseForFinancialLiabilitiesMeasuredAtAmortisedCost>
    <bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage contextRef="c-1" decimals="-6" id="f-10580" unitRef="eur">1097000000</bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage>
    <bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage contextRef="c-22" decimals="-6" id="f-10581" unitRef="eur">809000000</bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage>
    <bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage contextRef="c-23" decimals="-6" id="f-10582" unitRef="eur">-232000000</bbva:InterestExpenseForAdjustmentInterestOnAccountingCoverage>
    <bbva:InterestExpenseForInsuranceActivity contextRef="c-1" decimals="-6" id="f-10583" unitRef="eur">1016000000</bbva:InterestExpenseForInsuranceActivity>
    <bbva:InterestExpenseForInsuranceActivity contextRef="c-22" decimals="-6" id="f-10584" unitRef="eur">633000000</bbva:InterestExpenseForInsuranceActivity>
    <bbva:InterestExpenseForInsuranceActivity contextRef="c-23" decimals="-6" id="f-10585" unitRef="eur">948000000</bbva:InterestExpenseForInsuranceActivity>
    <bbva:InterestExpenseOnChargeableCostToPensionFunds contextRef="c-1" decimals="-6" id="f-10586" unitRef="eur">173000000</bbva:InterestExpenseOnChargeableCostToPensionFunds>
    <bbva:InterestExpenseOnChargeableCostToPensionFunds contextRef="c-22" decimals="-6" id="f-10587" unitRef="eur">110000000</bbva:InterestExpenseOnChargeableCostToPensionFunds>
    <bbva:InterestExpenseOnChargeableCostToPensionFunds contextRef="c-23" decimals="-6" id="f-10588" unitRef="eur">76000000</bbva:InterestExpenseOnChargeableCostToPensionFunds>
    <bbva:OtherInterestExpense contextRef="c-1" decimals="-6" id="f-10589" unitRef="eur">114000000</bbva:OtherInterestExpense>
    <bbva:OtherInterestExpense contextRef="c-22" decimals="-6" id="f-10590" unitRef="eur">80000000</bbva:OtherInterestExpense>
    <bbva:OtherInterestExpense contextRef="c-23" decimals="-6" id="f-10591" unitRef="eur">333000000</bbva:OtherInterestExpense>
    <ifrs-full:InterestExpense contextRef="c-1" decimals="-6" id="f-10592" unitRef="eur">36392000000</ifrs-full:InterestExpense>
    <ifrs-full:InterestExpense contextRef="c-22" decimals="-6" id="f-10593" unitRef="eur">24761000000</ifrs-full:InterestExpense>
    <ifrs-full:InterestExpense contextRef="c-23" decimals="-6" id="f-10594" unitRef="eur">12309000000</ifrs-full:InterestExpense>
    <bbva:DisclosureOfDividendIncomeTextBlock contextRef="c-1" id="f-10595">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Dividend income&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 shown in the breakdown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Dividend income (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;109&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;108&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;120&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;123&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Dividend income corresponds mainly to investments held at the end of the year.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfDividendIncomeTextBlock>
    <bbva:DividendIncomeBreakdownByHeadlineTableTextBlock contextRef="c-1" id="f-10596">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 shown in the breakdown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Dividend income (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;109&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #ffffff;border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;108&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;120&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;123&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Dividend income corresponds mainly to investments held at the end of the year.&lt;/span&gt;&lt;/div&gt;</bbva:DividendIncomeBreakdownByHeadlineTableTextBlock>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4322"
      decimals="-6"
      id="f-10597"
      unitRef="eur">10000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4323"
      decimals="-6"
      id="f-10598"
      unitRef="eur">11000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4324"
      decimals="-6"
      id="f-10599"
      unitRef="eur">15000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4325"
      decimals="-6"
      id="f-10600"
      unitRef="eur">109000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4326"
      decimals="-6"
      id="f-10601"
      unitRef="eur">107000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4327"
      decimals="-6"
      id="f-10602"
      unitRef="eur">108000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends contextRef="c-1" decimals="-6" id="f-10603" unitRef="eur">120000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends contextRef="c-22" decimals="-6" id="f-10604" unitRef="eur">118000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends contextRef="c-23" decimals="-6" id="f-10605" unitRef="eur">123000000</ifrs-full:RevenueFromDividends>
    <bbva:DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock contextRef="c-1" id="f-10606">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Share of profit or loss of entities accounted for using the equity method&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Results from &#x201c;Share of profit or loss of entities accounted for using the equity method&#x201d; resulted in a positive impact of &#x20ac;40 million for the year ended December 31, 2024, compared with the positive impact of &#x20ac;26 million and the positive impact of &#x20ac;21 million recorded for the years ended December 31, 2023 and 2022, respectively.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock>
    <ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="c-1" decimals="-6" id="f-10607" unitRef="eur">40000000</ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="c-22" decimals="-6" id="f-10608" unitRef="eur">26000000</ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="c-23" decimals="-6" id="f-10609" unitRef="eur">21000000</ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory contextRef="c-1" id="f-10610">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Fee and commission income and expense&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under these headings in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fee and commission income. Breakdown by origin (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Bills receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Demand accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;424&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit and debit cards and POS &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,106&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,499&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Checks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;162&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers and other payment orders&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;812&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance product commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;261&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;322&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other commitments and financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;471&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Asset management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,228&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securities fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;266&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Custody securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;207&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;902&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;711&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,036&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,899&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,260&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Points of Sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of fee and commission expense under this heading in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.103%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fee and commission expense. Breakdown by origin (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Demand accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit and debit cards and POS &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,884&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers and other payment orders&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commissions for selling insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;54&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Custody securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,206&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;721&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,048&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,888&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;(2) Points of Sale</ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory>
    <bbva:FeeAndCommissionIncomeTableTextBlock contextRef="c-1" id="f-10611">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under these headings in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fee and commission income. Breakdown by origin (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Bills receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Demand accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;424&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit and debit cards and POS &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,106&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,499&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Checks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;162&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers and other payment orders&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;862&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;812&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Insurance product commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;261&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;322&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;259&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other commitments and financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;530&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;471&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Asset management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,685&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,228&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securities fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;345&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;266&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Custody securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;207&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;193&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;902&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;711&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;13,036&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;9,899&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;8,260&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Points of Sale.&lt;/span&gt;&lt;/div&gt;</bbva:FeeAndCommissionIncomeTableTextBlock>
    <bbva:BillsReceivables contextRef="c-1" decimals="-6" id="f-10612" unitRef="eur">21000000</bbva:BillsReceivables>
    <bbva:BillsReceivables contextRef="c-22" decimals="-6" id="f-10613" unitRef="eur">24000000</bbva:BillsReceivables>
    <bbva:BillsReceivables contextRef="c-23" decimals="-6" id="f-10614" unitRef="eur">26000000</bbva:BillsReceivables>
    <bbva:DemandAccount contextRef="c-1" decimals="-6" id="f-10615" unitRef="eur">300000000</bbva:DemandAccount>
    <bbva:DemandAccount contextRef="c-22" decimals="-6" id="f-10616" unitRef="eur">300000000</bbva:DemandAccount>
    <bbva:DemandAccount contextRef="c-23" decimals="-6" id="f-10617" unitRef="eur">424000000</bbva:DemandAccount>
    <bbva:CreditAndDebitCards contextRef="c-1" decimals="-6" id="f-10618" unitRef="eur">7106000000</bbva:CreditAndDebitCards>
    <bbva:CreditAndDebitCards contextRef="c-22" decimals="-6" id="f-10619" unitRef="eur">4665000000</bbva:CreditAndDebitCards>
    <bbva:CreditAndDebitCards contextRef="c-23" decimals="-6" id="f-10620" unitRef="eur">3499000000</bbva:CreditAndDebitCards>
    <bbva:Checks contextRef="c-1" decimals="-6" id="f-10621" unitRef="eur">166000000</bbva:Checks>
    <bbva:Checks contextRef="c-22" decimals="-6" id="f-10622" unitRef="eur">175000000</bbva:Checks>
    <bbva:Checks contextRef="c-23" decimals="-6" id="f-10623" unitRef="eur">162000000</bbva:Checks>
    <bbva:TransfersAndOtherPaymentOrders contextRef="c-1" decimals="-6" id="f-10624" unitRef="eur">961000000</bbva:TransfersAndOtherPaymentOrders>
    <bbva:TransfersAndOtherPaymentOrders contextRef="c-22" decimals="-6" id="f-10625" unitRef="eur">862000000</bbva:TransfersAndOtherPaymentOrders>
    <bbva:TransfersAndOtherPaymentOrders contextRef="c-23" decimals="-6" id="f-10626" unitRef="eur">812000000</bbva:TransfersAndOtherPaymentOrders>
    <bbva:InsuranceProductCommissions contextRef="c-1" decimals="-6" id="f-10627" unitRef="eur">461000000</bbva:InsuranceProductCommissions>
    <bbva:InsuranceProductCommissions contextRef="c-22" decimals="-6" id="f-10628" unitRef="eur">384000000</bbva:InsuranceProductCommissions>
    <bbva:InsuranceProductCommissions contextRef="c-23" decimals="-6" id="f-10629" unitRef="eur">261000000</bbva:InsuranceProductCommissions>
    <bbva:LoanCommitmentsGivenFeeAndCommissionIncome contextRef="c-1" decimals="-6" id="f-10630" unitRef="eur">322000000</bbva:LoanCommitmentsGivenFeeAndCommissionIncome>
    <bbva:LoanCommitmentsGivenFeeAndCommissionIncome contextRef="c-22" decimals="-6" id="f-10631" unitRef="eur">307000000</bbva:LoanCommitmentsGivenFeeAndCommissionIncome>
    <bbva:LoanCommitmentsGivenFeeAndCommissionIncome contextRef="c-23" decimals="-6" id="f-10632" unitRef="eur">259000000</bbva:LoanCommitmentsGivenFeeAndCommissionIncome>
    <bbva:OtherCommitmentsAndFinancialGuaranteesGiven contextRef="c-1" decimals="-6" id="f-10633" unitRef="eur">530000000</bbva:OtherCommitmentsAndFinancialGuaranteesGiven>
    <bbva:OtherCommitmentsAndFinancialGuaranteesGiven contextRef="c-22" decimals="-6" id="f-10634" unitRef="eur">471000000</bbva:OtherCommitmentsAndFinancialGuaranteesGiven>
    <bbva:OtherCommitmentsAndFinancialGuaranteesGiven contextRef="c-23" decimals="-6" id="f-10635" unitRef="eur">420000000</bbva:OtherCommitmentsAndFinancialGuaranteesGiven>
    <ifrs-full:PortfolioAndOtherManagementFeeIncome contextRef="c-1" decimals="-6" id="f-10636" unitRef="eur">1685000000</ifrs-full:PortfolioAndOtherManagementFeeIncome>
    <ifrs-full:PortfolioAndOtherManagementFeeIncome contextRef="c-22" decimals="-6" id="f-10637" unitRef="eur">1407000000</ifrs-full:PortfolioAndOtherManagementFeeIncome>
    <ifrs-full:PortfolioAndOtherManagementFeeIncome contextRef="c-23" decimals="-6" id="f-10638" unitRef="eur">1228000000</ifrs-full:PortfolioAndOtherManagementFeeIncome>
    <ifrs-full:BrokerageFeeIncome contextRef="c-1" decimals="-6" id="f-10639" unitRef="eur">360000000</ifrs-full:BrokerageFeeIncome>
    <ifrs-full:BrokerageFeeIncome contextRef="c-22" decimals="-6" id="f-10640" unitRef="eur">345000000</ifrs-full:BrokerageFeeIncome>
    <ifrs-full:BrokerageFeeIncome contextRef="c-23" decimals="-6" id="f-10641" unitRef="eur">266000000</ifrs-full:BrokerageFeeIncome>
    <bbva:CustodySecuritiesIncome contextRef="c-1" decimals="-6" id="f-10642" unitRef="eur">221000000</bbva:CustodySecuritiesIncome>
    <bbva:CustodySecuritiesIncome contextRef="c-22" decimals="-6" id="f-10643" unitRef="eur">207000000</bbva:CustodySecuritiesIncome>
    <bbva:CustodySecuritiesIncome contextRef="c-23" decimals="-6" id="f-10644" unitRef="eur">193000000</bbva:CustodySecuritiesIncome>
    <ifrs-full:OtherFeeAndCommissionIncome contextRef="c-1" decimals="-6" id="f-10645" unitRef="eur">902000000</ifrs-full:OtherFeeAndCommissionIncome>
    <ifrs-full:OtherFeeAndCommissionIncome contextRef="c-22" decimals="-6" id="f-10646" unitRef="eur">751000000</ifrs-full:OtherFeeAndCommissionIncome>
    <ifrs-full:OtherFeeAndCommissionIncome contextRef="c-23" decimals="-6" id="f-10647" unitRef="eur">711000000</ifrs-full:OtherFeeAndCommissionIncome>
    <ifrs-full:FeeAndCommissionIncome contextRef="c-1" decimals="-6" id="f-10648" unitRef="eur">13036000000</ifrs-full:FeeAndCommissionIncome>
    <ifrs-full:FeeAndCommissionIncome contextRef="c-22" decimals="-6" id="f-10649" unitRef="eur">9899000000</ifrs-full:FeeAndCommissionIncome>
    <ifrs-full:FeeAndCommissionIncome contextRef="c-23" decimals="-6" id="f-10650" unitRef="eur">8260000000</ifrs-full:FeeAndCommissionIncome>
    <bbva:FeesAndCommissionExpenseTableTextBlock contextRef="c-1" id="f-10651">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of fee and commission expense under this heading in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.103%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fee and commission expense. Breakdown by origin (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Demand accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit and debit cards and POS &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,534&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,884&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Transfers and other payment orders&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commissions for selling insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;54&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Custody securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,206&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;721&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,048&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,888&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;(2) Points of Sale</bbva:FeesAndCommissionExpenseTableTextBlock>
    <bbva:DemandAccounts contextRef="c-1" decimals="-6" id="f-10652" unitRef="eur">7000000</bbva:DemandAccounts>
    <bbva:DemandAccounts contextRef="c-22" decimals="-6" id="f-10653" unitRef="eur">6000000</bbva:DemandAccounts>
    <bbva:DemandAccounts contextRef="c-23" decimals="-6" id="f-10654" unitRef="eur">5000000</bbva:DemandAccounts>
    <bbva:CreditAndDebitCardsExpenses contextRef="c-1" decimals="-6" id="f-10655" unitRef="eur">3534000000</bbva:CreditAndDebitCardsExpenses>
    <bbva:CreditAndDebitCardsExpenses contextRef="c-22" decimals="-6" id="f-10656" unitRef="eur">2337000000</bbva:CreditAndDebitCardsExpenses>
    <bbva:CreditAndDebitCardsExpenses contextRef="c-23" decimals="-6" id="f-10657" unitRef="eur">1884000000</bbva:CreditAndDebitCardsExpenses>
    <bbva:TransfersAndOtherPaymentOrdersExpenses contextRef="c-1" decimals="-6" id="f-10658" unitRef="eur">153000000</bbva:TransfersAndOtherPaymentOrdersExpenses>
    <bbva:TransfersAndOtherPaymentOrdersExpenses contextRef="c-22" decimals="-6" id="f-10659" unitRef="eur">156000000</bbva:TransfersAndOtherPaymentOrdersExpenses>
    <bbva:TransfersAndOtherPaymentOrdersExpenses contextRef="c-23" decimals="-6" id="f-10660" unitRef="eur">132000000</bbva:TransfersAndOtherPaymentOrdersExpenses>
    <bbva:CommissionsForSellingInsurance contextRef="c-1" decimals="-6" id="f-10661" unitRef="eur">47000000</bbva:CommissionsForSellingInsurance>
    <bbva:CommissionsForSellingInsurance contextRef="c-22" decimals="-6" id="f-10662" unitRef="eur">40000000</bbva:CommissionsForSellingInsurance>
    <bbva:CommissionsForSellingInsurance contextRef="c-23" decimals="-6" id="f-10663" unitRef="eur">54000000</bbva:CommissionsForSellingInsurance>
    <bbva:CustodySecurities contextRef="c-1" decimals="-6" id="f-10664" unitRef="eur">101000000</bbva:CustodySecurities>
    <bbva:CustodySecurities contextRef="c-22" decimals="-6" id="f-10665" unitRef="eur">111000000</bbva:CustodySecurities>
    <bbva:CustodySecurities contextRef="c-23" decimals="-6" id="f-10666" unitRef="eur">92000000</bbva:CustodySecurities>
    <ifrs-full:OtherFeeAndCommissionExpense contextRef="c-1" decimals="-6" id="f-10667" unitRef="eur">1206000000</ifrs-full:OtherFeeAndCommissionExpense>
    <ifrs-full:OtherFeeAndCommissionExpense contextRef="c-22" decimals="-6" id="f-10668" unitRef="eur">961000000</ifrs-full:OtherFeeAndCommissionExpense>
    <ifrs-full:OtherFeeAndCommissionExpense contextRef="c-23" decimals="-6" id="f-10669" unitRef="eur">721000000</ifrs-full:OtherFeeAndCommissionExpense>
    <ifrs-full:FeeAndCommissionExpense contextRef="c-1" decimals="-6" id="f-10670" unitRef="eur">5048000000</ifrs-full:FeeAndCommissionExpense>
    <ifrs-full:FeeAndCommissionExpense contextRef="c-22" decimals="-6" id="f-10671" unitRef="eur">3611000000</ifrs-full:FeeAndCommissionExpense>
    <ifrs-full:FeeAndCommissionExpense contextRef="c-23" decimals="-6" id="f-10672" unitRef="eur">2888000000</ifrs-full:FeeAndCommissionExpense>
    <bbva:DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock contextRef="c-1" id="f-10673">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading, by source of the related items, in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.225%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other financial assets and liabilities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on financial assets and liabilities held for trading, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;562&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reclassification of financial assets from fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reclassification of financial assets from amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;562&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reclassification of financial assets from fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reclassification of financial assets from amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;249&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) from hedge accounting, net &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal gains (losses) on financial assets and liabilities and hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;663&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;339&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,275&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,913&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,183&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,938&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance (excluding exchange rate differences) under this heading in the consolidated income statements by the nature of the financial instrument is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.103%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gains (losses) on financial assets and liabilities and hedge accounting. &lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Breakdown by nature of the financial instrument (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,266)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;553&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,099)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading derivatives and hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,361&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(241)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;274&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,635&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;663&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.225%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives - Hedge accounting (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest rate agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;427&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;522&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securities agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(402)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,653&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit derivative agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(123)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign-exchange agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(431)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(658)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commodity and other agreements &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(332)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(795)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,406&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Hedging derivatives ineffectiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Hedging derivative&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(512)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(114)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(229)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Hedged item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;178&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,361&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock>
    <bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock contextRef="c-1" id="f-10674">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading, by source of the related items, in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.225%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other financial assets and liabilities &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on financial assets and liabilities held for trading, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;562&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reclassification of financial assets from fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reclassification of financial assets from amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;2,458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;1,352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;562&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reclassification of financial assets from fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Reclassification of financial assets from amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;337&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;249&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) from hedge accounting, net &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal gains (losses) on financial assets and liabilities and hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;663&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Exchange differences, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;339&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,275&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,913&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,183&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,938&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTableTextBlock>
    <bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet contextRef="c-1" decimals="-6" id="f-10675" unitRef="eur">327000000</bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet>
    <bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet contextRef="c-22" decimals="-6" id="f-10676" unitRef="eur">76000000</bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet>
    <bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet contextRef="c-23" decimals="-6" id="f-10677" unitRef="eur">64000000</bbva:GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet>
    <bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost contextRef="c-1" decimals="-6" id="f-10678" unitRef="eur">20000000</bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost>
    <bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost contextRef="c-22" decimals="-6" id="f-10679" unitRef="eur">41000000</bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost>
    <bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost contextRef="c-23" decimals="-6" id="f-10680" unitRef="eur">8000000</bbva:GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost>
    <bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities contextRef="c-1" decimals="-6" id="f-10681" unitRef="eur">307000000</bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities contextRef="c-22" decimals="-6" id="f-10682" unitRef="eur">35000000</bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities contextRef="c-23" decimals="-6" id="f-10683" unitRef="eur">56000000</bbva:GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities>
    <bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet contextRef="c-1" decimals="-6" id="f-10684" unitRef="eur">2458000000</bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet>
    <bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet contextRef="c-22" decimals="-6" id="f-10685" unitRef="eur">1352000000</bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet>
    <bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet contextRef="c-23" decimals="-6" id="f-10686" unitRef="eur">562000000</bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet>
    <bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading contextRef="c-1" decimals="-6" id="f-10687" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading>
    <bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading contextRef="c-22" decimals="-6" id="f-10688" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading>
    <bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading contextRef="c-23" decimals="-6" id="f-10689" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading>
    <bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading contextRef="c-1" decimals="-6" id="f-10690" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading>
    <bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading contextRef="c-22" decimals="-6" id="f-10691" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading>
    <bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading contextRef="c-23" decimals="-6" id="f-10692" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading>
    <bbva:ReclassificationOfOtherGainsLossesToHeldForTrading contextRef="c-1" decimals="-6" id="f-10693" unitRef="eur">2458000000</bbva:ReclassificationOfOtherGainsLossesToHeldForTrading>
    <bbva:ReclassificationOfOtherGainsLossesToHeldForTrading contextRef="c-22" decimals="-6" id="f-10694" unitRef="eur">1352000000</bbva:ReclassificationOfOtherGainsLossesToHeldForTrading>
    <bbva:ReclassificationOfOtherGainsLossesToHeldForTrading contextRef="c-23" decimals="-6" id="f-10695" unitRef="eur">562000000</bbva:ReclassificationOfOtherGainsLossesToHeldForTrading>
    <ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-1" decimals="-6" id="f-10696" unitRef="eur">179000000</ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-22" decimals="-6" id="f-10697" unitRef="eur">337000000</ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-23" decimals="-6" id="f-10698" unitRef="eur">-67000000</ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss contextRef="c-1" decimals="-6" id="f-10699" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss>
    <bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss contextRef="c-22" decimals="-6" id="f-10700" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss>
    <bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss contextRef="c-23" decimals="-6" id="f-10701" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss>
    <bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss contextRef="c-1" decimals="-6" id="f-10702" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss>
    <bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss contextRef="c-22" decimals="-6" id="f-10703" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss>
    <bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss contextRef="c-23" decimals="-6" id="f-10704" unitRef="eur">0</bbva:ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss>
    <bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss contextRef="c-1" decimals="-6" id="f-10705" unitRef="eur">179000000</bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss>
    <bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss contextRef="c-22" decimals="-6" id="f-10706" unitRef="eur">337000000</bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss>
    <bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss contextRef="c-23" decimals="-6" id="f-10707" unitRef="eur">-67000000</bbva:ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss>
    <bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet contextRef="c-1" decimals="-6" id="f-10708" unitRef="eur">249000000</bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet>
    <bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet contextRef="c-22" decimals="-6" id="f-10709" unitRef="eur">96000000</bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet>
    <bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet contextRef="c-23" decimals="-6" id="f-10710" unitRef="eur">150000000</bbva:GainsLossesOnFinancialAssetsAndFinancialLiabilitiesAtFairValueThroughProfitOrLossNet>
    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss contextRef="c-1" decimals="-6" id="f-10711" unitRef="eur">5000000</ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss>
    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss contextRef="c-22" decimals="-6" id="f-10712" unitRef="eur">-17000000</ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss>
    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss contextRef="c-23" decimals="-6" id="f-10713" unitRef="eur">-45000000</ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss>
    <bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet contextRef="c-1" decimals="-6" id="f-10714" unitRef="eur">3218000000</bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet>
    <bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet contextRef="c-22" decimals="-6" id="f-10715" unitRef="eur">1844000000</bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet>
    <bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet contextRef="c-23" decimals="-6" id="f-10716" unitRef="eur">663000000</bbva:SubtotalGainsOrLossesInFinancialAssetsAndLiabilitiesNet>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-1" decimals="-6" id="f-10717" unitRef="eur">695000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-22" decimals="-6" id="f-10718" unitRef="eur">339000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-23" decimals="-6" id="f-10719" unitRef="eur">1275000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences contextRef="c-1" decimals="-6" id="f-10720" unitRef="eur">3913000000</bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences contextRef="c-22" decimals="-6" id="f-10721" unitRef="eur">2183000000</bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences contextRef="c-23" decimals="-6" id="f-10722" unitRef="eur">1938000000</bbva:GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences>
    <bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock contextRef="c-1" id="f-10723">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance (excluding exchange rate differences) under this heading in the consolidated income statements by the nature of the financial instrument is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.585%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.103%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gains (losses) on financial assets and liabilities and hedge accounting. &lt;/span&gt;&lt;div&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Breakdown by nature of the financial instrument (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;841&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;799&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,266)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;553&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;669&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,099)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Trading derivatives and hedge accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,361&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(241)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;274&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,635&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,844&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;663&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByNatureOfTheFinancialInstrumentTableTextBlock>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4328"
      decimals="-6"
      id="f-10724"
      unitRef="eur">841000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4329"
      decimals="-6"
      id="f-10725"
      unitRef="eur">799000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4330"
      decimals="-6"
      id="f-10726"
      unitRef="eur">-2266000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4331"
      decimals="-6"
      id="f-10727"
      unitRef="eur">553000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4332"
      decimals="-6"
      id="f-10728"
      unitRef="eur">669000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4333"
      decimals="-6"
      id="f-10729"
      unitRef="eur">-1099000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4334"
      decimals="-6"
      id="f-10730"
      unitRef="eur">181000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4335"
      decimals="-6"
      id="f-10731"
      unitRef="eur">-812000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4336"
      decimals="-6"
      id="f-10732"
      unitRef="eur">1361000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4337"
      decimals="-6"
      id="f-10733"
      unitRef="eur">236000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4338"
      decimals="-6"
      id="f-10734"
      unitRef="eur">165000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4339"
      decimals="-6"
      id="f-10735"
      unitRef="eur">-241000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4340"
      decimals="-6"
      id="f-10736"
      unitRef="eur">-81000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4341"
      decimals="-6"
      id="f-10737"
      unitRef="eur">-95000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4342"
      decimals="-6"
      id="f-10738"
      unitRef="eur">274000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4343"
      decimals="-6"
      id="f-10739"
      unitRef="eur">1488000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4344"
      decimals="-6"
      id="f-10740"
      unitRef="eur">1118000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities
      contextRef="c-4345"
      decimals="-6"
      id="f-10741"
      unitRef="eur">2635000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities contextRef="c-1" decimals="-6" id="f-10742" unitRef="eur">3218000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities contextRef="c-22" decimals="-6" id="f-10743" unitRef="eur">1844000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:GainsLossesOnFinancialAssetsAndLiabilities contextRef="c-23" decimals="-6" id="f-10744" unitRef="eur">663000000</bbva:GainsLossesOnFinancialAssetsAndLiabilities>
    <bbva:DerivativesHedgeAccountingTableTextBlock contextRef="c-1" id="f-10745">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.225%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives - Hedge accounting (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest rate agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;427&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;522&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Securities agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(402)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,653&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Credit derivative agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(123)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Foreign-exchange agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(431)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(658)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commodity and other agreements &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;99&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(332)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(795)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,406&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Hedging derivatives ineffectiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Hedging derivative&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(512)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(114)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(229)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Hedged item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;178&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,361&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DerivativesHedgeAccountingTableTextBlock>
    <bbva:DerivativesHedgeAccounting
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    <bbva:DerivativesHedgeAccounting
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      id="f-10747"
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    <bbva:DerivativesHedgeAccounting
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      id="f-10748"
      unitRef="eur">522000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
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      id="f-10749"
      unitRef="eur">236000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
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      id="f-10750"
      unitRef="eur">-402000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
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      id="f-10751"
      unitRef="eur">1653000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4352"
      decimals="-6"
      id="f-10752"
      unitRef="eur">-123000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4353"
      decimals="-6"
      id="f-10753"
      unitRef="eur">-56000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4354"
      decimals="-6"
      id="f-10754"
      unitRef="eur">16000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4355"
      decimals="-6"
      id="f-10755"
      unitRef="eur">-15000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4356"
      decimals="-6"
      id="f-10756"
      unitRef="eur">-431000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4357"
      decimals="-6"
      id="f-10757"
      unitRef="eur">-658000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4358"
      decimals="-6"
      id="f-10758"
      unitRef="eur">99000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4359"
      decimals="-6"
      id="f-10759"
      unitRef="eur">-332000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4360"
      decimals="-6"
      id="f-10760"
      unitRef="eur">-127000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4361"
      decimals="-6"
      id="f-10761"
      unitRef="eur">176000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4362"
      decimals="-6"
      id="f-10762"
      unitRef="eur">-795000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4363"
      decimals="-6"
      id="f-10763"
      unitRef="eur">1406000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4364"
      decimals="-6"
      id="f-10764"
      unitRef="eur">8000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4365"
      decimals="-6"
      id="f-10765"
      unitRef="eur">-10000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4366"
      decimals="-6"
      id="f-10766"
      unitRef="eur">-51000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4367"
      decimals="-6"
      id="f-10767"
      unitRef="eur">-512000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4368"
      decimals="-6"
      id="f-10768"
      unitRef="eur">-114000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4369"
      decimals="-6"
      id="f-10769"
      unitRef="eur">-229000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4370"
      decimals="-6"
      id="f-10770"
      unitRef="eur">520000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4371"
      decimals="-6"
      id="f-10771"
      unitRef="eur">103000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4372"
      decimals="-6"
      id="f-10772"
      unitRef="eur">178000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4373"
      decimals="-6"
      id="f-10773"
      unitRef="eur">-3000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4374"
      decimals="-6"
      id="f-10774"
      unitRef="eur">-7000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4375"
      decimals="-6"
      id="f-10775"
      unitRef="eur">6000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4376"
      decimals="-6"
      id="f-10776"
      unitRef="eur">5000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4377"
      decimals="-6"
      id="f-10777"
      unitRef="eur">-17000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting
      contextRef="c-4378"
      decimals="-6"
      id="f-10778"
      unitRef="eur">-45000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting contextRef="c-13" decimals="-6" id="f-10779" unitRef="eur">181000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting contextRef="c-20" decimals="-6" id="f-10780" unitRef="eur">-812000000</bbva:DerivativesHedgeAccounting>
    <bbva:DerivativesHedgeAccounting contextRef="c-21" decimals="-6" id="f-10781" unitRef="eur">1361000000</bbva:DerivativesHedgeAccounting>
    <ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory contextRef="c-1" id="f-10782">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Other operating income and expense &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Other operating income&#x201d; in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.225%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other operating income (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains from sales of non-financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;284&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other operating income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;272&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;244&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;619&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;528&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Other operating expense&#x201d; in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.225%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other operating expense (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Change in inventories&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Contributions to guaranteed banks deposits funds &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;997&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hyperinflation adjustment &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,775&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,687&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other operating expense &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;620&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,438&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) In 2024, no contributions were made to the European Single Resolution Fund (SRF) since the constitution phase of the fund has been completed. Likewise, the Deposits Guarantee Fund of Credit Institutions in Spain reached in 2023 the minimum coverage level established by the European Regulation with respect to covered deposits, so that no additional contribution was necessary for this purpose during 2024, although prior contributions are maintained.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) For the year ended December 31, 2024 it includes &#x20ac;1,419 million related to Argentina and &#x20ac;348 million related to Turkey. For the year ended December 31, 2023 it included &#x20ac;1,062 million related to Argentina and &#x20ac;916 million related to Turkey. For the year ended December 31, 2022, it included &#x20ac;822 million related to Argentina and &#x20ac;832 million related to Turkey (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) For the year ended December 2024 and 2023, it includes &#x20ac;285 and &#x20ac;215 million, respectively, corresponding to the total annual amount disbursed under the temporary tax on credit institutions and financial credit establishments, according to Law 38/2022 of December 27, 2022 (see Note 19.6). The change compared to 2023 is mainly as a result of higher taxes in various geographies due to increased activity.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory>
    <bbva:OtherOperatingIncomeTableTextBlock contextRef="c-1" id="f-10783">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Other operating income&#x201d; in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.225%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other operating income (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains from sales of non-financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;284&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other operating income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;269&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;272&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;244&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;619&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;528&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:OtherOperatingIncomeTableTextBlock>
    <bbva:FinancialIncomeFromNonFinancialServices contextRef="c-1" decimals="-6" id="f-10784" unitRef="eur">354000000</bbva:FinancialIncomeFromNonFinancialServices>
    <bbva:FinancialIncomeFromNonFinancialServices contextRef="c-22" decimals="-6" id="f-10785" unitRef="eur">347000000</bbva:FinancialIncomeFromNonFinancialServices>
    <bbva:FinancialIncomeFromNonFinancialServices contextRef="c-23" decimals="-6" id="f-10786" unitRef="eur">284000000</bbva:FinancialIncomeFromNonFinancialServices>
    <ifrs-full:RevenueAndOperatingIncome contextRef="c-1" decimals="-6" id="f-10787" unitRef="eur">269000000</ifrs-full:RevenueAndOperatingIncome>
    <ifrs-full:RevenueAndOperatingIncome contextRef="c-22" decimals="-6" id="f-10788" unitRef="eur">272000000</ifrs-full:RevenueAndOperatingIncome>
    <ifrs-full:RevenueAndOperatingIncome contextRef="c-23" decimals="-6" id="f-10789" unitRef="eur">244000000</ifrs-full:RevenueAndOperatingIncome>
    <ifrs-full:MiscellaneousOtherOperatingIncome contextRef="c-1" decimals="-6" id="f-10790" unitRef="eur">623000000</ifrs-full:MiscellaneousOtherOperatingIncome>
    <ifrs-full:MiscellaneousOtherOperatingIncome contextRef="c-22" decimals="-6" id="f-10791" unitRef="eur">619000000</ifrs-full:MiscellaneousOtherOperatingIncome>
    <ifrs-full:MiscellaneousOtherOperatingIncome contextRef="c-23" decimals="-6" id="f-10792" unitRef="eur">528000000</ifrs-full:MiscellaneousOtherOperatingIncome>
    <bbva:OtherOperatingExpenseTableTextBlock contextRef="c-1" id="f-10793">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under the heading &#x201c;Other operating expense&#x201d; in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.223%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.225%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other operating expense (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;border-top:1pt solid #FFFFFF;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Change in inventories&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Contributions to guaranteed banks deposits funds &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;636&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;997&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Hyperinflation adjustment &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,775&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,687&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other operating expense &#x207d;&#xb3;&#x207e;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;620&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,951&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,438&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) In 2024, no contributions were made to the European Single Resolution Fund (SRF) since the constitution phase of the fund has been completed. Likewise, the Deposits Guarantee Fund of Credit Institutions in Spain reached in 2023 the minimum coverage level established by the European Regulation with respect to covered deposits, so that no additional contribution was necessary for this purpose during 2024, although prior contributions are maintained.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) For the year ended December 31, 2024 it includes &#x20ac;1,419 million related to Argentina and &#x20ac;348 million related to Turkey. For the year ended December 31, 2023 it included &#x20ac;1,062 million related to Argentina and &#x20ac;916 million related to Turkey. For the year ended December 31, 2022, it included &#x20ac;822 million related to Argentina and &#x20ac;832 million related to Turkey (see Note 2.2.18).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(3) For the year ended December 2024 and 2023, it includes &#x20ac;285 and &#x20ac;215 million, respectively, corresponding to the total annual amount disbursed under the temporary tax on credit institutions and financial credit establishments, according to Law 38/2022 of December 27, 2022 (see Note 19.6). The change compared to 2023 is mainly as a result of higher taxes in various geographies due to increased activity.&lt;/span&gt;&lt;/div&gt;</bbva:OtherOperatingExpenseTableTextBlock>
    <bbva:ChangeInInventories contextRef="c-1" decimals="-6" id="f-10794" unitRef="eur">165000000</bbva:ChangeInInventories>
    <bbva:ChangeInInventories contextRef="c-22" decimals="-6" id="f-10795" unitRef="eur">151000000</bbva:ChangeInInventories>
    <bbva:ChangeInInventories contextRef="c-23" decimals="-6" id="f-10796" unitRef="eur">134000000</bbva:ChangeInInventories>
    <bbva:ContributionToGuaranteedBanksDepositsFunds contextRef="c-1" decimals="-6" id="f-10797" unitRef="eur">636000000</bbva:ContributionToGuaranteedBanksDepositsFunds>
    <bbva:ContributionToGuaranteedBanksDepositsFunds contextRef="c-22" decimals="-6" id="f-10798" unitRef="eur">1017000000</bbva:ContributionToGuaranteedBanksDepositsFunds>
    <bbva:ContributionToGuaranteedBanksDepositsFunds contextRef="c-23" decimals="-6" id="f-10799" unitRef="eur">997000000</bbva:ContributionToGuaranteedBanksDepositsFunds>
    <bbva:HiperinflationAdjustmentsOtherOperatingExpense contextRef="c-1" decimals="-6" id="f-10800" unitRef="eur">1775000000</bbva:HiperinflationAdjustmentsOtherOperatingExpense>
    <bbva:HiperinflationAdjustmentsOtherOperatingExpense contextRef="c-22" decimals="-6" id="f-10801" unitRef="eur">2007000000</bbva:HiperinflationAdjustmentsOtherOperatingExpense>
    <bbva:HiperinflationAdjustmentsOtherOperatingExpense contextRef="c-23" decimals="-6" id="f-10802" unitRef="eur">1687000000</bbva:HiperinflationAdjustmentsOtherOperatingExpense>
    <bbva:OtherOperatingExpense contextRef="c-1" decimals="-6" id="f-10803" unitRef="eur">1374000000</bbva:OtherOperatingExpense>
    <bbva:OtherOperatingExpense contextRef="c-22" decimals="-6" id="f-10804" unitRef="eur">867000000</bbva:OtherOperatingExpense>
    <bbva:OtherOperatingExpense contextRef="c-23" decimals="-6" id="f-10805" unitRef="eur">620000000</bbva:OtherOperatingExpense>
    <ifrs-full:MiscellaneousOtherOperatingExpense contextRef="c-1" decimals="-6" id="f-10806" unitRef="eur">3951000000</ifrs-full:MiscellaneousOtherOperatingExpense>
    <ifrs-full:MiscellaneousOtherOperatingExpense contextRef="c-22" decimals="-6" id="f-10807" unitRef="eur">4042000000</ifrs-full:MiscellaneousOtherOperatingExpense>
    <ifrs-full:MiscellaneousOtherOperatingExpense contextRef="c-23" decimals="-6" id="f-10808" unitRef="eur">3438000000</ifrs-full:MiscellaneousOtherOperatingExpense>
    <bbva:DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock contextRef="c-1" id="f-10809">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Income and expense from insurance and reinsurance contracts&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The balances of the headings &#x201c;Income and expense from insurance and reinsurance contracts&#x201d; in the consolidated income statements stem from the insurance activity and include the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.920%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Income and expense from insurance and reinsurance contracts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Income from insurance and reinsurance contracts &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,081&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,622&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Expense from insurance and reinsurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,238)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,821)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,547)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,261&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,075&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The table below shows the contribution of each insurance product to the Group&#xb4;s income for the years ended December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.920%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Net income by type of product (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Life insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;752&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;617&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;649&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Individual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;573&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Group insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-Life insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;730&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;426&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Home insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other non-life insurance products&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;730&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;426&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,261&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,075&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock>
    <bbva:InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock contextRef="c-1" id="f-10810">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The balances of the headings &#x201c;Income and expense from insurance and reinsurance contracts&#x201d; in the consolidated income statements stem from the insurance activity and include the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.920%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#02A5A5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Income and expense from insurance and reinsurance contracts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Income from insurance and reinsurance contracts &#x207d;&#xb2;&#x207e; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,081&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,622&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Expense from insurance and reinsurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2,238)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,821)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,547)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,261&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,075&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.&lt;/span&gt;&lt;/div&gt;</bbva:InsuranceAndReinsuranceContractsInIncomeAndExpenseTableTextBlock>
    <bbva:IncomeArisingFromInsuranceContracts contextRef="c-1" decimals="-6" id="f-10811" unitRef="eur">3720000000</bbva:IncomeArisingFromInsuranceContracts>
    <bbva:IncomeArisingFromInsuranceContracts contextRef="c-22" decimals="-6" id="f-10812" unitRef="eur">3081000000</bbva:IncomeArisingFromInsuranceContracts>
    <bbva:IncomeArisingFromInsuranceContracts contextRef="c-23" decimals="-6" id="f-10813" unitRef="eur">2622000000</bbva:IncomeArisingFromInsuranceContracts>
    <bbva:ExpenseArisingFromInsuranceContracts contextRef="c-1" decimals="-6" id="f-10814" unitRef="eur">2238000000</bbva:ExpenseArisingFromInsuranceContracts>
    <bbva:ExpenseArisingFromInsuranceContracts contextRef="c-22" decimals="-6" id="f-10815" unitRef="eur">1821000000</bbva:ExpenseArisingFromInsuranceContracts>
    <bbva:ExpenseArisingFromInsuranceContracts contextRef="c-23" decimals="-6" id="f-10816" unitRef="eur">1547000000</bbva:ExpenseArisingFromInsuranceContracts>
    <bbva:NetIncomeArisingFromInsuranceContracts contextRef="c-1" decimals="-6" id="f-10817" unitRef="eur">1482000000</bbva:NetIncomeArisingFromInsuranceContracts>
    <bbva:NetIncomeArisingFromInsuranceContracts contextRef="c-22" decimals="-6" id="f-10818" unitRef="eur">1261000000</bbva:NetIncomeArisingFromInsuranceContracts>
    <bbva:NetIncomeArisingFromInsuranceContracts contextRef="c-23" decimals="-6" id="f-10819" unitRef="eur">1075000000</bbva:NetIncomeArisingFromInsuranceContracts>
    <bbva:IncomeByTypeOfInsuranceProductTableTextBlock contextRef="c-1" id="f-10820">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The table below shows the contribution of each insurance product to the Group&#xb4;s income for the years ended December 31, 2024, 2023 and 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.920%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Net income by type of product (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Life insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;752&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;617&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;649&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Individual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;573&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Group insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-Life insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;730&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;426&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Home insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Other non-life insurance products&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;730&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;426&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,482&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,261&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,075&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:IncomeByTypeOfInsuranceProductTableTextBlock>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4379"
      decimals="-6"
      id="f-10821"
      unitRef="eur">752000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4380"
      decimals="-6"
      id="f-10822"
      unitRef="eur">617000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4381"
      decimals="-6"
      id="f-10823"
      unitRef="eur">649000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4382"
      decimals="-6"
      id="f-10824"
      unitRef="eur">656000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4383"
      decimals="-6"
      id="f-10825"
      unitRef="eur">590000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4384"
      decimals="-6"
      id="f-10826"
      unitRef="eur">573000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4385"
      decimals="-6"
      id="f-10827"
      unitRef="eur">96000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4386"
      decimals="-6"
      id="f-10828"
      unitRef="eur">27000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4387"
      decimals="-6"
      id="f-10829"
      unitRef="eur">76000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4388"
      decimals="-6"
      id="f-10830"
      unitRef="eur">730000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4389"
      decimals="-6"
      id="f-10831"
      unitRef="eur">643000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4390"
      decimals="-6"
      id="f-10832"
      unitRef="eur">426000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4391"
      decimals="-6"
      id="f-10833"
      unitRef="eur">0</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4392"
      decimals="-6"
      id="f-10834"
      unitRef="eur">0</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4393"
      decimals="-6"
      id="f-10835"
      unitRef="eur">0</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4394"
      decimals="-6"
      id="f-10836"
      unitRef="eur">730000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4395"
      decimals="-6"
      id="f-10837"
      unitRef="eur">643000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts
      contextRef="c-4396"
      decimals="-6"
      id="f-10838"
      unitRef="eur">426000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts contextRef="c-1" decimals="-6" id="f-10839" unitRef="eur">1482000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts contextRef="c-22" decimals="-6" id="f-10840" unitRef="eur">1261000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:IncomeByTypeOfInsuranceProducts contextRef="c-23" decimals="-6" id="f-10841" unitRef="eur">1075000000</bbva:IncomeByTypeOfInsuranceProducts>
    <bbva:DisclosureOfAdministrationCostsTextBlock contextRef="c-1" id="f-10842">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Administration costs&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Personnel expense&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated income statements is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Personnel expense (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Wages and salaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,937&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,068&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,310&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Social security costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;708&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined contribution plan expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined benefit plan expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other personnel expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;506&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;440&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;454&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,659&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,530&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,601&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%;padding-left:11pt"&gt; Share-based employee remuneration&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The amounts recognized under the heading &#x201c;Administration costs - Personnel expense - Other personnel expense&#x201d; in the consolidated income statements for the year ended December 31, 2024, 2023 and 2022, corresponding to the remuneration plans based on equity instruments in each year, amounted to &#x20ac;23 million, &#x20ac;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;24&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt; million and &#x20ac;32 million, respectively. These amounts have been recognized with a corresponding entry under the heading &#x201c;Shareholders&#x2019; funds - Other equity&#x201d; in the consolidated balance sheets, net of tax effect.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The characteristics of the Group's remuneration plans based on equity instruments are described below.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:130%"&gt;Variable remuneration in shares &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 &#x201c;Identified Staff&#x201d;) 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Thus, according to the applicable remuneration policies, the variable remuneration for the Identified Staff members is subject, principally, to the following rules:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The Annual Variable Remuneration for Identified Staff members for each financial year will not accrue or will be reduced upon accrual, if certain profit and capital ratio levels are not achieved. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;A maximum of 40% of the Annual Variable Remuneration for those members of the Identified Staff who receive particularly high amounts of variable remuneration and members of BBVA&#x2019;s Senior Management and 60% for the rest of the Identified Staff (the &#x201c;Upfront Portion&#x201d; of the Annual Variable Remuneration) shall vest and be paid, provided the relevant conditions for payment are met, as a general rule, in the first quarter of the following financial year to which the Annual Variable Remuneration corresponds.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The remaining amount, and at least 60% of the Annual Variable Remuneration for those members of the Identified Staff who receive particularly high amounts of variable remuneration and members of BBVA&#x2019;s Senior Management, and 40% for the rest of the Identified Staff, will be deferred over a period of 4 years (the &#x201c;Deferred Portion&#x201d; of the Annual Variable Remuneration). However, for members of BBVA&#x2019;s Senior Management the deferral period shall be 5 years. In both cases, the Deferred Portion will be paid, provided the relevant conditions are met, once each of the years of deferral has elapsed. In no event will this Deferred Portion be paid faster than in a proportionate way.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Both the Upfront Portion and the Deferred Portion of the Annual Variable Remuneration of each member of the Identified Staff will be paid 50% in cash and 50% in BBVA shares or in instruments linked to BBVA shares. For members of BBVA&#x2019;s Senior Management, the Deferred Portion will be paid 40% in cash and 60% in BBVA shares and/or in instruments linked to BBVA shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Shares or instruments received as Annual Variable Remuneration shall be withheld for one year running from the date of delivery. The foregoing shall not apply to those shares that are sold, where appropriate, in order to meet the payment of tax obligations accruing on the delivery of the shares and/or instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The Deferred Portion of the Annual Variable Remuneration may undergo certain ex post risk adjustments, meaning that it will not vest, or may be reduced, if certain capital and liquidity thresholds are not met.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Up to 100% of the Annual Variable Remuneration of each member of the Identified Staff corresponding to each financial year, both in cash and in shares or instruments, will be subject to arrangements for the reduction of variable remuneration (malus) and arrangements for the recovery of variable remuneration already paid (clawback), which will remain in effect during the applicable deferral and retention period, and will be applicable in the event of the occurrence of any of the circumstances expressly named in the remuneration policies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The cash amounts of the Deferred Portion of the Annual Variable Remuneration that ultimately vest will be updated by applying the consumer price index (hereinafter "CPI") measured as the year-on-year change in prices, or any other criteria established for that purpose by the Board of Directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;Identified Staff members may not use personal hedging strategies or insurance in connection with the Annual Variable Remuneration and the responsibility that may undermine the effects of alignment with prudent risk management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;If the members of the Identified Staff are entitled to receive any variable remuneration other than the Annual Variable Remuneration but which qualifies as variable remuneration, such variable remuneration shall be subject to the rules regarding accrual, award, vesting and payment in accordance with the type and nature of the remuneration component itself.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;The variable remuneration of the Identified Staff for a financial year (understood as the sum of all variable remuneration) shall be limited to a maximum amount of 100% of the fixed component (understood as the sum of all fixed remuneration) of the total remuneration, unless the BBVA General Shareholders&#x2019; Meeting resolves to increase this percentage up to a maximum of 200%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In this regard, the General Shareholders&#x2019; Meeting of BBVA held on March 15, 2024 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 6, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In 2024, this remuneration scheme is reflected in the following remuneration policies: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;BBVA Group General Remuneration Policy, approved by the Board of Directors on March 29, 2023, 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;BBVA Directors&#x2019; Remuneration Policy, approved by the General Shareholders&#x2019; Meeting of BBVA held on March 17, 2023, that is 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The delivery of shares in 2024 to the members of the Identified Staff is derived from the settlement of the Annual Variable Remuneration for 2023 and deferred variable remuneration from previous years, which are subject to the vesting and payment rules established in the remuneration policies applicable in the year to which they correspond.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;According to the remuneration policy applicable in 2023, during 2024 a total amount of 2,627,541 BBVA shares or instruments linked to BBVA shares, corresponding, mostly, to the Upfront Portion of 2023 Annual Variable Remuneration and to other variable components of remuneration, were delivered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, according to the remuneration policy applicable in 2018, during 2024 a total amount of 147,871 BBVA shares, corresponding to the third and last payment of the Deferred Portion of 2018 Annual Variable Remuneration of the Chair and other members of BBVA's Senior Management, were delivered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, according to the remuneration policy applicable in 2019, during 2024 a total amount of 220,803 BBVA shares, corresponding mostly to the second payment of the Deferred Portion of 2019 Annual Variable Remuneration of executive directors and other members of BBVA's Senior Management, as well as to other variable components of remuneration, were delivered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Likewise, according to the remuneration policy applicable in 2020, during 2024 a total amount of 2,244,441 BBVA shares were delivered, corresponding, mainly, to the entire payment of the Deferred Portion of 2020 Annual Variable Remuneration of certain members of the Identified Staff as well as to other variable components of remuneration. In 2020, the executive directors and other members of BBVA's Senior Management, as a gesture of responsibility and commitment in response to the exceptional circumstances arising from the COVID-19 crisis, waived their entire 2020 Annual Variable Remuneration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In accordance with the remuneration policy applicable in 2021, during 2024 a total of 740,382 BBVA shares were delivered, the majority corresponding to the second payment of the Deferred Portion of 2021 Annual Variable Remuneration of the Identified Staff, which includes executive directors and other members of BBVA's Senior Management, as well as to other variable components of remuneration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Lastly, according to the remuneration policy applicable in 2022, during 2024 a total amount of 728,081 BBVA shares were delivered, corresponding, mainly, to the first payment of the Deferred Portion of 2022 Annual Variable Remuneration of the Identified Staff, among which executive directors and the rest of the members of BBVA's Senior Management are included, as well as to other variable components of remuneration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Detailed information on the delivery of shares to executive directors and the rest of the members of BBVA's Senior Management who held this position as of December 31, 2024, is included in Note 54.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Lastly, in line with specific regulation applicable in Brazil and Portugal, BBVA Brazil Banco de Investimento and BBVA IFIC 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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;A percentage of the annual variable remuneration is subject to a three-year deferral that shall be paid yearly over the mentioned period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;50% of the annual variable remuneration, both the upfront portion and deferred portion, shall be established in BBVA shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;In BBVA Brazil Banco de Investimento, both the cash amounts and share amounts of the deferred portion may be subject to update adjustments which are payable in cash.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:13.56pt"&gt;In BBVA IFIC the deferred portion of the annual variable remuneration may be reduced, but never increased, depending on the result of multi-year performance indicators. The cash amounts of the deferred portion that are finally paid will be subject to updating by applying the CPI measured as a year-on-year change in prices.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;According to this remuneration scheme, during financial year 2024 a total of 6,581 BBVA shares corresponding to the upfront portion of 2023 annual variable remuneration were delivered to the staff of BBVA Brazil Banco de Investimento.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, during 2024 a total of 1,832 BBVA shares corresponding to the first third of the deferred portion of 2022 annual variable remuneration were delivered as well as a total of &#x20ac;856 as adjustments for updates, a total of 1,624 BBVA shares corresponding to the second third of the deferred portion of 2021 annual variable remuneration and &#x20ac;1,324 as adjustments for updates, and a total of 1,368 BBVA shares corresponding to the last third of the deferred portion of 2020 annual variable remuneration and &#x20ac;1,305 as adjustments for updates. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With regard to the BBVA IFIC group, it should be noted that the exception provided for in the remuneration policy for said year corresponding to payment in shares has been applied to the annual variable remuneration for the year 2023 of some members of this group, in line with the provisions of the regulations in force. For this reason in 2024 just 1,951 BBVA shares have been delivered to BBVA IFIC identified members corresponding to 2023 variable remuneration. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Additionally, during 2024 a total of 3,218 BBVA shares corresponding to the second third of the deferred portion of 2021 annual variable remuneration and a total of 2,149 BBVA shares corresponding to the last third of the deferred portion of 2020 annual variable remuneration were delivered to this group.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Other administrative expense&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.920%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other administrative expense. Breakdown by main concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Technology and systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,512&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,391&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Communications &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;219&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Advertising&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;441&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;349&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;266&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Property, fixtures and materials&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;440&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Taxes other than income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;481&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Surveillance and cash courier services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;234&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,253&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;897&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,001&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,773&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfAdministrationCostsTextBlock>
    <bbva:PersonnelExpensesBreakdownTableTextBlock contextRef="c-1" id="f-10843">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated income statements is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Personnel expense (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Wages and salaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,937&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,068&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,310&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Social security costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;834&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;708&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined contribution plan expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Defined benefit plan expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other personnel expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;506&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;440&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;454&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;7,659&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;6,530&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,601&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:PersonnelExpensesBreakdownTableTextBlock>
    <ifrs-full:WagesAndSalaries contextRef="c-1" decimals="-6" id="f-10844" unitRef="eur">5937000000</ifrs-full:WagesAndSalaries>
    <ifrs-full:WagesAndSalaries contextRef="c-22" decimals="-6" id="f-10845" unitRef="eur">5068000000</ifrs-full:WagesAndSalaries>
    <ifrs-full:WagesAndSalaries contextRef="c-23" decimals="-6" id="f-10846" unitRef="eur">4310000000</ifrs-full:WagesAndSalaries>
    <ifrs-full:SocialSecurityContributions contextRef="c-1" decimals="-6" id="f-10847" unitRef="eur">1007000000</ifrs-full:SocialSecurityContributions>
    <ifrs-full:SocialSecurityContributions contextRef="c-22" decimals="-6" id="f-10848" unitRef="eur">834000000</ifrs-full:SocialSecurityContributions>
    <ifrs-full:SocialSecurityContributions contextRef="c-23" decimals="-6" id="f-10849" unitRef="eur">708000000</ifrs-full:SocialSecurityContributions>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-1" decimals="-6" id="f-10850" unitRef="eur">158000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-22" decimals="-6" id="f-10851" unitRef="eur">139000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-23" decimals="-6" id="f-10852" unitRef="eur">87000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <bbva:DefinedBenefitPlanExpense contextRef="c-1" decimals="-6" id="f-10853" unitRef="eur">51000000</bbva:DefinedBenefitPlanExpense>
    <bbva:DefinedBenefitPlanExpense contextRef="c-22" decimals="-6" id="f-10854" unitRef="eur">49000000</bbva:DefinedBenefitPlanExpense>
    <bbva:DefinedBenefitPlanExpense contextRef="c-23" decimals="-6" id="f-10855" unitRef="eur">42000000</bbva:DefinedBenefitPlanExpense>
    <ifrs-full:OtherEmployeeExpense contextRef="c-1" decimals="-6" id="f-10856" unitRef="eur">506000000</ifrs-full:OtherEmployeeExpense>
    <ifrs-full:OtherEmployeeExpense contextRef="c-22" decimals="-6" id="f-10857" unitRef="eur">440000000</ifrs-full:OtherEmployeeExpense>
    <ifrs-full:OtherEmployeeExpense contextRef="c-23" decimals="-6" id="f-10858" unitRef="eur">454000000</ifrs-full:OtherEmployeeExpense>
    <ifrs-full:EmployeeBenefitsExpense contextRef="c-1" decimals="-6" id="f-10859" unitRef="eur">7659000000</ifrs-full:EmployeeBenefitsExpense>
    <ifrs-full:EmployeeBenefitsExpense contextRef="c-22" decimals="-6" id="f-10860" unitRef="eur">6530000000</ifrs-full:EmployeeBenefitsExpense>
    <ifrs-full:EmployeeBenefitsExpense contextRef="c-23" decimals="-6" id="f-10861" unitRef="eur">5601000000</ifrs-full:EmployeeBenefitsExpense>
    <bbva:AdministrativeExpensesTableTextBlock contextRef="c-1" id="f-10862">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated income statements is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.920%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.228%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other administrative expense. Breakdown by main concepts (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;padding-left:0.18pt;text-align:right;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022 &#x207d;&#xb9;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Technology and systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,512&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,391&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Communications &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;261&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;219&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Advertising&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;441&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;349&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;266&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Property, fixtures and materials&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;440&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Taxes other than income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;481&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;370&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Surveillance and cash courier services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;234&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,253&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;897&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,001&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,375&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,773&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).&lt;/span&gt;&lt;/div&gt;</bbva:AdministrativeExpensesTableTextBlock>
    <bbva:TechnologyAndSystems contextRef="c-1" decimals="-6" id="f-10863" unitRef="eur">1732000000</bbva:TechnologyAndSystems>
    <bbva:TechnologyAndSystems contextRef="c-22" decimals="-6" id="f-10864" unitRef="eur">1512000000</bbva:TechnologyAndSystems>
    <bbva:TechnologyAndSystems contextRef="c-23" decimals="-6" id="f-10865" unitRef="eur">1391000000</bbva:TechnologyAndSystems>
    <ifrs-full:CommunicationExpense contextRef="c-1" decimals="-6" id="f-10866" unitRef="eur">261000000</ifrs-full:CommunicationExpense>
    <ifrs-full:CommunicationExpense contextRef="c-22" decimals="-6" id="f-10867" unitRef="eur">219000000</ifrs-full:CommunicationExpense>
    <ifrs-full:CommunicationExpense contextRef="c-23" decimals="-6" id="f-10868" unitRef="eur">195000000</ifrs-full:CommunicationExpense>
    <ifrs-full:AdvertisingExpense contextRef="c-1" decimals="-6" id="f-10869" unitRef="eur">441000000</ifrs-full:AdvertisingExpense>
    <ifrs-full:AdvertisingExpense contextRef="c-22" decimals="-6" id="f-10870" unitRef="eur">349000000</ifrs-full:AdvertisingExpense>
    <ifrs-full:AdvertisingExpense contextRef="c-23" decimals="-6" id="f-10871" unitRef="eur">266000000</ifrs-full:AdvertisingExpense>
    <bbva:PropertyFixturesAndMaterialsExpense contextRef="c-1" decimals="-6" id="f-10872" unitRef="eur">577000000</bbva:PropertyFixturesAndMaterialsExpense>
    <bbva:PropertyFixturesAndMaterialsExpense contextRef="c-22" decimals="-6" id="f-10873" unitRef="eur">520000000</bbva:PropertyFixturesAndMaterialsExpense>
    <bbva:PropertyFixturesAndMaterialsExpense contextRef="c-23" decimals="-6" id="f-10874" unitRef="eur">440000000</bbva:PropertyFixturesAndMaterialsExpense>
    <bbva:TaxesOtherThanIncomeTax contextRef="c-1" decimals="-6" id="f-10875" unitRef="eur">481000000</bbva:TaxesOtherThanIncomeTax>
    <bbva:TaxesOtherThanIncomeTax contextRef="c-22" decimals="-6" id="f-10876" unitRef="eur">451000000</bbva:TaxesOtherThanIncomeTax>
    <bbva:TaxesOtherThanIncomeTax contextRef="c-23" decimals="-6" id="f-10877" unitRef="eur">370000000</bbva:TaxesOtherThanIncomeTax>
    <bbva:SurveillanceAndSecurityServiceExpense contextRef="c-1" decimals="-6" id="f-10878" unitRef="eur">255000000</bbva:SurveillanceAndSecurityServiceExpense>
    <bbva:SurveillanceAndSecurityServiceExpense contextRef="c-22" decimals="-6" id="f-10879" unitRef="eur">234000000</bbva:SurveillanceAndSecurityServiceExpense>
    <bbva:SurveillanceAndSecurityServiceExpense contextRef="c-23" decimals="-6" id="f-10880" unitRef="eur">214000000</bbva:SurveillanceAndSecurityServiceExpense>
    <ifrs-full:OtherExpenseByNature contextRef="c-1" decimals="-6" id="f-10881" unitRef="eur">1253000000</ifrs-full:OtherExpenseByNature>
    <ifrs-full:OtherExpenseByNature contextRef="c-22" decimals="-6" id="f-10882" unitRef="eur">1090000000</ifrs-full:OtherExpenseByNature>
    <ifrs-full:OtherExpenseByNature contextRef="c-23" decimals="-6" id="f-10883" unitRef="eur">897000000</ifrs-full:OtherExpenseByNature>
    <ifrs-full:OtherExpenseByFunction contextRef="c-1" decimals="-6" id="f-10884" unitRef="eur">5001000000</ifrs-full:OtherExpenseByFunction>
    <ifrs-full:OtherExpenseByFunction contextRef="c-22" decimals="-6" id="f-10885" unitRef="eur">4375000000</ifrs-full:OtherExpenseByFunction>
    <ifrs-full:OtherExpenseByFunction contextRef="c-23" decimals="-6" id="f-10886" unitRef="eur">3773000000</ifrs-full:OtherExpenseByFunction>
    <ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory contextRef="c-1" id="f-10887">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Depreciation and amortization &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated income statements for the years ended December 31, 2024, 2023 and 2022 is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Depreciation and amortization (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;972&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;818&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;For own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Right-of-use assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;343&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;317&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;312&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Investment properties and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;561&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;536&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;510&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,403&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,328&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory>
    <bbva:DepreciationAndAmortisationExpenseTableTextBlock contextRef="c-1" id="f-10888">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The breakdown of the balance under this heading in the consolidated income statements for the years ended December 31, 2024, 2023 and 2022 is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Depreciation and amortization (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;972&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;818&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;For own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;547&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;501&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Right-of-use assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;343&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;317&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;312&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Investment properties and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;561&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;536&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;510&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,533&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,403&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,328&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DepreciationAndAmortisationExpenseTableTextBlock>
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    <ifrs-full:DepreciationAndAmortisationExpense contextRef="c-22" decimals="-6" id="f-10905" unitRef="eur">1403000000</ifrs-full:DepreciationAndAmortisationExpense>
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    <bbva:DisclosureOfProvisionsOrReversalOfProvisionsTextBlock contextRef="c-1" id="f-10907">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Provisions or reversal of provisions&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For the years ended December 31, 2024, 2023 and 2022, the net provisions recognized in this income statement line item were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions or reversal of provisions (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pensions and other post-employment defined benefit obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commitments and guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pending legal issues and tax litigation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;210&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other provisions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;84&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;198&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;373&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfProvisionsOrReversalOfProvisionsTextBlock>
    <bbva:ProvisionsOrReversalOfProvisionsTableTextBlock contextRef="c-1" id="f-10908">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For the years ended December 31, 2024, 2023 and 2022, the net provisions recognized in this income statement line item were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Provisions or reversal of provisions (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pensions and other post-employment defined benefit obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Commitments and guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(84)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Pending legal issues and tax litigation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;210&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other provisions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;95&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;84&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;198&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;373&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;291&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ProvisionsOrReversalOfProvisionsTableTextBlock>
    <bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions contextRef="c-13" decimals="-6" id="f-10909" unitRef="eur">3000000</bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions>
    <bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions contextRef="c-20" decimals="-6" id="f-10910" unitRef="eur">31000000</bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions>
    <bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions contextRef="c-21" decimals="-6" id="f-10911" unitRef="eur">-89000000</bbva:PensionsAndOtherPostEmploymentDefinedBenefitObligationsProvisions>
    <bbva:CommitmentsAndGuaranteesGiven contextRef="c-13" decimals="-6" id="f-10912" unitRef="eur">-84000000</bbva:CommitmentsAndGuaranteesGiven>
    <bbva:CommitmentsAndGuaranteesGiven contextRef="c-20" decimals="-6" id="f-10913" unitRef="eur">76000000</bbva:CommitmentsAndGuaranteesGiven>
    <bbva:CommitmentsAndGuaranteesGiven contextRef="c-21" decimals="-6" id="f-10914" unitRef="eur">87000000</bbva:CommitmentsAndGuaranteesGiven>
    <bbva:PendingLegalIssuesAndTaxLitigation contextRef="c-13" decimals="-6" id="f-10915" unitRef="eur">191000000</bbva:PendingLegalIssuesAndTaxLitigation>
    <bbva:PendingLegalIssuesAndTaxLitigation contextRef="c-20" decimals="-6" id="f-10916" unitRef="eur">171000000</bbva:PendingLegalIssuesAndTaxLitigation>
    <bbva:PendingLegalIssuesAndTaxLitigation contextRef="c-21" decimals="-6" id="f-10917" unitRef="eur">210000000</bbva:PendingLegalIssuesAndTaxLitigation>
    <bbva:OtherProvisionsOrReversalOfProvisions contextRef="c-13" decimals="-6" id="f-10918" unitRef="eur">88000000</bbva:OtherProvisionsOrReversalOfProvisions>
    <bbva:OtherProvisionsOrReversalOfProvisions contextRef="c-20" decimals="-6" id="f-10919" unitRef="eur">95000000</bbva:OtherProvisionsOrReversalOfProvisions>
    <bbva:OtherProvisionsOrReversalOfProvisions contextRef="c-21" decimals="-6" id="f-10920" unitRef="eur">84000000</bbva:OtherProvisionsOrReversalOfProvisions>
    <bbva:ProvisionsOrReversalOfProvisions contextRef="c-13" decimals="-6" id="f-10921" unitRef="eur">198000000</bbva:ProvisionsOrReversalOfProvisions>
    <bbva:ProvisionsOrReversalOfProvisions contextRef="c-20" decimals="-6" id="f-10922" unitRef="eur">373000000</bbva:ProvisionsOrReversalOfProvisions>
    <bbva:ProvisionsOrReversalOfProvisions contextRef="c-21" decimals="-6" id="f-10923" unitRef="eur">291000000</bbva:ProvisionsOrReversalOfProvisions>
    <bbva:DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock contextRef="c-1" id="f-10924">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by modification&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;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)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income - Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,687&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: recovery of written-off assets by cash collection&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7.2.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(403)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(369)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(390)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,745&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,428&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,379&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock>
    <bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock contextRef="c-1" id="f-10925">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;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)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at fair value through other comprehensive income - Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;58&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial assets at amortized cost &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,687&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,386&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Of which: recovery of written-off assets by cash collection&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;7.2.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(403)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(369)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;border-right:1pt solid #FFFFFF;border-top:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(390)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,745&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;4,428&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;3,379&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTableTextBlock>
    <bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-1" decimals="-6" id="f-10926" unitRef="eur">58000000</bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-22" decimals="-6" id="f-10927" unitRef="eur">42000000</bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-23" decimals="-6" id="f-10928" unitRef="eur">76000000</bbva:ImpairmentLossOnFinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost contextRef="c-1" decimals="-6" id="f-10929" unitRef="eur">-5687000000</ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost>
    <ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost contextRef="c-22" decimals="-6" id="f-10930" unitRef="eur">-4386000000</ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost>
    <ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost contextRef="c-23" decimals="-6" id="f-10931" unitRef="eur">-3303000000</ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost>
    <ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff contextRef="c-1" decimals="-6" id="f-10932" unitRef="eur">-403000000</ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff>
    <ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff contextRef="c-22" decimals="-6" id="f-10933" unitRef="eur">-369000000</ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff>
    <ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff contextRef="c-23" decimals="-6" id="f-10934" unitRef="eur">-390000000</ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff>
    <bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification contextRef="c-1" decimals="-6" id="f-10935" unitRef="eur">5745000000</bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification>
    <bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification contextRef="c-22" decimals="-6" id="f-10936" unitRef="eur">4428000000</bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification>
    <bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification contextRef="c-23" decimals="-6" id="f-10937" unitRef="eur">3379000000</bbva:ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossOrNetGainsByModification>
    <bbva:DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock contextRef="c-1" id="f-10938">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Impairment or reversal of impairment of investments in joint ventures and associates&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The heading &#x201c;Impairment or reversal of the impairment of investments in joint ventures or associates" included a net reversal of impairment of &#x20ac;63 million in the year ended December 31, 2024. This heading included a net impairment of &#x20ac;9 million for the year ended December 31, 2023, and it included a net reversal of impairment of &#x20ac;42 million for the year ended December 31, 2022 (see Note 16.3).&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock>
    <bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates contextRef="c-1" decimals="-6" id="f-10939" unitRef="eur">63000000</bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates>
    <bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates contextRef="c-22" decimals="-6" id="f-10940" unitRef="eur">-9000000</bbva:ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates>
    <bbva:DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock contextRef="c-1" id="f-10941">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Impairment or reversal of impairment on non-financial assets &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The impairment losses on non-financial assets broken down by the nature of those assets in the consolidated income statements are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impairment or reversal of impairment on non-financial assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tangible assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Others   &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;54&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock>
    <bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock contextRef="c-1" id="f-10942">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The impairment losses on non-financial assets broken down by the nature of those assets in the consolidated income statements are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Impairment or reversal of impairment on non-financial assets (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Tangible assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Others   &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;54&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTableTextBlock>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1" decimals="-6" id="f-10943" unitRef="eur">-29000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-22" decimals="-6" id="f-10944" unitRef="eur">16000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-23" decimals="-6" id="f-10945" unitRef="eur">-53000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill contextRef="c-1" decimals="-6" id="f-10946" unitRef="eur">15000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill contextRef="c-22" decimals="-6" id="f-10947" unitRef="eur">26000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill contextRef="c-23" decimals="-6" id="f-10948" unitRef="eur">25000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill>
    <bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets contextRef="c-1" decimals="-6" id="f-10949" unitRef="eur">13000000</bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets>
    <bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets contextRef="c-22" decimals="-6" id="f-10950" unitRef="eur">12000000</bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets>
    <bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets contextRef="c-23" decimals="-6" id="f-10951" unitRef="eur">55000000</bbva:ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets>
    <bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets contextRef="c-1" decimals="-6" id="f-10952" unitRef="eur">-1000000</bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets>
    <bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets contextRef="c-22" decimals="-6" id="f-10953" unitRef="eur">54000000</bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets>
    <bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets contextRef="c-23" decimals="-6" id="f-10954" unitRef="eur">27000000</bbva:ImpairmentOrReversalOfImpairmentOnNonFinancialAssets>
    <bbva:DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock contextRef="c-1" id="f-10955">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The main items included in the balance under this heading in the consolidated income statements are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains on sale of real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment of non-current assets held for sale &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(221)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on sale of investments classified as non-current assets held for sale&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains on sale of equity instruments classified as non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt; (1) &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;In 2022 it includes the closing of the transaction with Merlin Properties in which 100% of the shares of Tree &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Inversiones Inmobiliarias&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;, SOCIMI, S.A. were acquired by the BBVA Group (see Note 17).&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock>
    <bbva:ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock contextRef="c-1" id="f-10956">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The main items included in the balance under this heading in the consolidated income statements are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.303%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains on sale of real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;102&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Impairment of non-current assets held for sale &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(221)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains (losses) on sale of investments classified as non-current assets held for sale&lt;/span&gt;&lt;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"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gains on sale of equity instruments classified as non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5AC4C4;border-bottom:1pt solid #FFFFFF;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt; (1) &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;In 2022 it includes the closing of the transaction with Merlin Properties in which 100% of the shares of Tree &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-style:italic;font-weight:400;line-height:120%"&gt;Inversiones Inmobiliarias&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;, SOCIMI, S.A. were acquired by the BBVA Group (see Note 17).&lt;/span&gt;&lt;/div&gt;</bbva:ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTableTextBlock>
    <bbva:NetGainsLossOnSalesOfRealState contextRef="c-1" decimals="-6" id="f-10957" unitRef="eur">66000000</bbva:NetGainsLossOnSalesOfRealState>
    <bbva:NetGainsLossOnSalesOfRealState contextRef="c-22" decimals="-6" id="f-10958" unitRef="eur">64000000</bbva:NetGainsLossOnSalesOfRealState>
    <bbva:NetGainsLossOnSalesOfRealState contextRef="c-23" decimals="-6" id="f-10959" unitRef="eur">102000000</bbva:NetGainsLossOnSalesOfRealState>
    <bbva:ImpairmentOfNonCurrentAssetsHeldForSale contextRef="c-1" decimals="-6" id="f-10960" unitRef="eur">-83000000</bbva:ImpairmentOfNonCurrentAssetsHeldForSale>
    <bbva:ImpairmentOfNonCurrentAssetsHeldForSale contextRef="c-22" decimals="-6" id="f-10961" unitRef="eur">-42000000</bbva:ImpairmentOfNonCurrentAssetsHeldForSale>
    <bbva:ImpairmentOfNonCurrentAssetsHeldForSale contextRef="c-23" decimals="-6" id="f-10962" unitRef="eur">-221000000</bbva:ImpairmentOfNonCurrentAssetsHeldForSale>
    <bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale contextRef="c-1" decimals="-6" id="f-10963" unitRef="eur">0</bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale>
    <bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale contextRef="c-22" decimals="-6" id="f-10964" unitRef="eur">0</bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale>
    <bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale contextRef="c-23" decimals="-6" id="f-10965" unitRef="eur">11000000</bbva:GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale>
    <bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale contextRef="c-1" decimals="-6" id="f-10966" unitRef="eur">0</bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale>
    <bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale contextRef="c-22" decimals="-6" id="f-10967" unitRef="eur">0</bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale>
    <bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale contextRef="c-23" decimals="-6" id="f-10968" unitRef="eur">0</bbva:GainsLossesOnSaleOfEquityInstrumentsClassifiedAsNonCurrentAssetsHeldForSale>
    <bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations contextRef="c-1" decimals="-6" id="f-10969" unitRef="eur">-17000000</bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations>
    <bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations contextRef="c-22" decimals="-6" id="f-10970" unitRef="eur">22000000</bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations>
    <bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations contextRef="c-23" decimals="-6" id="f-10971" unitRef="eur">-108000000</bbva:GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations>
    <bbva:DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock contextRef="c-1" id="f-10972">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Consolidated statements of cash flows &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The variation between 2024, 2023 and 2022 of the financial liabilities from financing activities is the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.260%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities from financing activities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities at amortized cost: Debt certificates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Of which: Issuances of subordinated liabilities&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,763&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,832&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,485&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,794&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,283&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(678)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,945)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-cash changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;421&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(364)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Acquisition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Disposal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Disposals by companies held for sale &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange movement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;421&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(364)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Fair value changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;69,867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;19,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,832&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,485&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;(1) There were &#x20ac;56, &#x20ac;35 and &#x20ac;24 million of subordinated deposits as of December 31, 2024, 2023 and 2022, respectively (see Note 22.4). In addition, there were coupon payments on subordinated liabilities for &#x20ac;388, &#x20ac;345 and &#x20ac;313 million in 2024, 2023 and 2022</bbva:DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock>
    <bbva:LiabilitiesFromFinancingActivitiesTableTextBlock contextRef="c-1" id="f-10973">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The variation between 2024, 2023 and 2022 of the financial liabilities from financing activities is the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.260%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.845%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities from financing activities (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities at amortized cost: Debt certificates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;text-align:center"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Of which: Issuances of subordinated liabilities&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the beginning&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,763&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,832&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,485&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;14,794&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,283&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(678)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1,945)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Non-cash changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;421&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(364)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Acquisition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Disposal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;padding-left:12pt"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Disposals by companies held for sale &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Foreign exchange movement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;532&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;344&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;421&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(364)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;Fair value changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at the end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;69,867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;68,707&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;55,429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;19,556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;15,832&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;12,485&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) There were &#x20ac;56, &#x20ac;35 and &#x20ac;24 million of subordinated deposits as of December 31, 2024, 2023 and 2022, respectively (see Note 22.4). In addition, there were coupon payments on subordinated liabilities for &#x20ac;388, &#x20ac;345 and &#x20ac;313 million in 2024, 2023 and 2022, respectively. Appendix VI details the outstanding subordinated debt issued by their nominal value.&lt;/span&gt;&lt;/div&gt;</bbva:LiabilitiesFromFinancingActivitiesTableTextBlock>
    <ifrs-full:DebtSecurities contextRef="c-20" decimals="-6" id="f-10974" unitRef="eur">68707000000</ifrs-full:DebtSecurities>
    <ifrs-full:DebtSecurities contextRef="c-21" decimals="-6" id="f-10975" unitRef="eur">55429000000</ifrs-full:DebtSecurities>
    <ifrs-full:DebtSecurities contextRef="c-173" decimals="-6" id="f-10976" unitRef="eur">55763000000</ifrs-full:DebtSecurities>
    <bbva:SubordinatedCertificates contextRef="c-20" decimals="-6" id="f-10977" unitRef="eur">15832000000</bbva:SubordinatedCertificates>
    <bbva:SubordinatedCertificates contextRef="c-21" decimals="-6" id="f-10978" unitRef="eur">12485000000</bbva:SubordinatedCertificates>
    <bbva:SubordinatedCertificates contextRef="c-173" decimals="-6" id="f-10979" unitRef="eur">14794000000</bbva:SubordinatedCertificates>
    <bbva:CashFlowsLiabilitiesFromFinancingActivities
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    <bbva:CashFlowsLiabilitiesFromFinancingActivities
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    <bbva:CashFlowsLiabilitiesFromFinancingActivities
      contextRef="c-4414"
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      id="f-10982"
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    <bbva:CashFlowsLiabilitiesFromFinancingActivities
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    <bbva:CashFlowsLiabilitiesFromFinancingActivities
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    <bbva:CashFlowsLiabilitiesFromFinancingActivities
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    <bbva:NonCashChangesLiabilitiesFromFinancingActivities
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    <bbva:NonCashChangesLiabilitiesFromFinancingActivities
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    <bbva:NonCashChangesLiabilitiesFromFinancingActivities
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    <bbva:NonCashChangesLiabilitiesFromFinancingActivities
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    <bbva:NonCashChangesLiabilitiesFromFinancingActivities
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      id="f-11016"
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    <ifrs-full:DebtSecurities contextRef="c-13" decimals="-6" id="f-11022" unitRef="eur">69867000000</ifrs-full:DebtSecurities>
    <ifrs-full:DebtSecurities contextRef="c-20" decimals="-6" id="f-11023" unitRef="eur">68707000000</ifrs-full:DebtSecurities>
    <ifrs-full:DebtSecurities contextRef="c-21" decimals="-6" id="f-11024" unitRef="eur">55429000000</ifrs-full:DebtSecurities>
    <bbva:SubordinatedCertificates contextRef="c-13" decimals="-6" id="f-11025" unitRef="eur">19556000000</bbva:SubordinatedCertificates>
    <bbva:SubordinatedCertificates contextRef="c-20" decimals="-6" id="f-11026" unitRef="eur">15832000000</bbva:SubordinatedCertificates>
    <bbva:SubordinatedCertificates contextRef="c-21" decimals="-6" id="f-11027" unitRef="eur">12485000000</bbva:SubordinatedCertificates>
    <bbva:DisclosureOfAccountantFeesAndServicesTextBlock contextRef="c-1" id="f-11028">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Accountant fees and services&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The details of the fees for the services contracted by entities of the BBVA Group for the year ended December 31, 2024, with their respective auditors and other audit entities are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#01a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fees for Audits conducted and other related services &lt;/span&gt;&lt;span style="color:#01a5a5;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#01a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt; (Millions of Euros) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Audits of the companies audited by firms belonging to the EY worldwide organization and other reports related with the audit &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24.8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fees for audits conducted by other firms&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Regardless of the billed year.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Including fees pertaining to annual legal audits (&#x20ac;26.0 million as of December 31, 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the year ended December 31, 2024, certain entities in the BBVA Group contracted other services (other than audits) as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other Services rendered (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Firms belonging to the EY worldwide organization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This total of contracted services includes the detail of the services provided by Ernst &amp;amp; Young, S.L. to BBVA, S.A. or its controlled companies at the date of preparation of these consolidated financial statements as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fees for audits conducted&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Legal audit of BBVA,S.A. or its companies under control&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other audit services of BBVA, S.A. or its companies under control&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Limited Review of BBVA, S.A. or its companies under control&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reports related to issuances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Assurance services and other required by the regulator&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Services provided by Ernst &amp;amp; Young, S.L. to companies located in Spain, to the branch of BBVA in New York, the branch of BBVA in London and the branch of BBVA in Frankfurt.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Audit fees disclosed in this Note are presented under local purposes and do not correspond to SEC definitions. 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 SEC.&lt;/span&gt;&lt;/div&gt;</bbva:DisclosureOfAccountantFeesAndServicesTextBlock>
    <bbva:FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock contextRef="c-1" id="f-11029">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The details of the fees for the services contracted by entities of the BBVA Group for the year ended December 31, 2024, with their respective auditors and other audit entities are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt"&gt;&lt;span style="color:#01a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fees for Audits conducted and other related services &lt;/span&gt;&lt;span style="color:#01a5a5;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#01a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt; (Millions of Euros) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Audits of the companies audited by firms belonging to the EY worldwide organization and other reports related with the audit &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;32.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;28.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24.8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;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&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fees for audits conducted by other firms&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Regardless of the billed year.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Including fees pertaining to annual legal audits (&#x20ac;26.0 million as of December 31, 2024).&lt;/span&gt;&lt;/div&gt;</bbva:FeesForAuditsConductedAndOtherRelatedServicesTableTextBlock>
    <bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit contextRef="c-1" decimals="-5" id="f-11030" unitRef="eur">32800000</bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit>
    <bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit contextRef="c-22" decimals="-5" id="f-11031" unitRef="eur">28500000</bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit>
    <bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit contextRef="c-23" decimals="-5" id="f-11032" unitRef="eur">24800000</bbva:AuditsOfTheCompaniesAuditedByFirmsBelongingToTheEYWorldwideOrganizationAndOtherReportsRelatedWithTheAudit>
    <bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY contextRef="c-1" decimals="-5" id="f-11033" unitRef="eur">1500000</bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY>
    <bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY contextRef="c-22" decimals="-5" id="f-11034" unitRef="eur">1400000</bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY>
    <bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY contextRef="c-23" decimals="-5" id="f-11035" unitRef="eur">1000000.0</bbva:OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY>
    <bbva:FeesForAuditsConductedByOtherFirms contextRef="c-1" decimals="-5" id="f-11036" unitRef="eur">100000</bbva:FeesForAuditsConductedByOtherFirms>
    <bbva:FeesForAuditsConductedByOtherFirms contextRef="c-22" decimals="-5" id="f-11037" unitRef="eur">100000</bbva:FeesForAuditsConductedByOtherFirms>
    <bbva:FeesForAuditsConductedByOtherFirms contextRef="c-23" decimals="-5" id="f-11038" unitRef="eur">100000</bbva:FeesForAuditsConductedByOtherFirms>
    <bbva:OtherServicesRenderedTableTextBlock contextRef="c-1" id="f-11039">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the year ended December 31, 2024, certain entities in the BBVA Group contracted other services (other than audits) as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Other Services rendered (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Firms belonging to the EY worldwide organization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:OtherServicesRenderedTableTextBlock>
    <bbva:FirmsBelongingToTheEYWorldwideOrganization contextRef="c-1" decimals="-5" id="f-11040" unitRef="eur">200000</bbva:FirmsBelongingToTheEYWorldwideOrganization>
    <bbva:FirmsBelongingToTheEYWorldwideOrganization contextRef="c-22" decimals="-5" id="f-11041" unitRef="eur">200000</bbva:FirmsBelongingToTheEYWorldwideOrganization>
    <bbva:FirmsBelongingToTheEYWorldwideOrganization contextRef="c-23" decimals="-5" id="f-11042" unitRef="eur">100000</bbva:FirmsBelongingToTheEYWorldwideOrganization>
    <bbva:FeesForAuditsConductedTableTextBlock contextRef="c-1" id="f-11043">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;This total of contracted services includes the detail of the services provided by Ernst &amp;amp; Young, S.L. to BBVA, S.A. or its controlled companies at the date of preparation of these consolidated financial statements as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.537%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fees for audits conducted&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt; (Millions of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#E9E9E9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #FFFFFF;padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Legal audit of BBVA,S.A. or its companies under control&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #072146;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7.6&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other audit services of BBVA, S.A. or its companies under control&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5.2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Limited Review of BBVA, S.A. or its companies under control&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reports related to issuances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.4&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Assurance services and other required by the regulator&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1.2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0.8&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Services provided by Ernst &amp;amp; Young, S.L. to companies located in Spain, to the branch of BBVA in New York, the branch of BBVA in London and the branch of BBVA in Frankfurt.&lt;/span&gt;&lt;/div&gt;</bbva:FeesForAuditsConductedTableTextBlock>
    <bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl contextRef="c-1" decimals="-5" id="f-11044" unitRef="eur">8500000</bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl>
    <bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl contextRef="c-22" decimals="-5" id="f-11045" unitRef="eur">7900000</bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl>
    <bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl contextRef="c-23" decimals="-5" id="f-11046" unitRef="eur">7600000</bbva:LegalAuditOfBbvaSaOrItsCompaniesUnderControl>
    <bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl contextRef="c-1" decimals="-5" id="f-11047" unitRef="eur">5600000</bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl>
    <bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl contextRef="c-22" decimals="-5" id="f-11048" unitRef="eur">5400000</bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl>
    <bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl contextRef="c-23" decimals="-5" id="f-11049" unitRef="eur">5200000</bbva:OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl>
    <bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl contextRef="c-1" decimals="-5" id="f-11050" unitRef="eur">2000000.0</bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl>
    <bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl contextRef="c-22" decimals="-5" id="f-11051" unitRef="eur">1900000</bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl>
    <bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl contextRef="c-23" decimals="-5" id="f-11052" unitRef="eur">1400000</bbva:LimitedReviewOfBbvaSaOrItsCompaniesUnderControl>
    <bbva:ReportsRelatedToIssuances contextRef="c-1" decimals="-5" id="f-11053" unitRef="eur">1200000</bbva:ReportsRelatedToIssuances>
    <bbva:ReportsRelatedToIssuances contextRef="c-22" decimals="-5" id="f-11054" unitRef="eur">1000000.0</bbva:ReportsRelatedToIssuances>
    <bbva:ReportsRelatedToIssuances contextRef="c-23" decimals="-5" id="f-11055" unitRef="eur">400000</bbva:ReportsRelatedToIssuances>
    <bbva:AssuranceServicesAndOtherRequiredByTheRegulator contextRef="c-1" decimals="-5" id="f-11056" unitRef="eur">1200000</bbva:AssuranceServicesAndOtherRequiredByTheRegulator>
    <bbva:AssuranceServicesAndOtherRequiredByTheRegulator contextRef="c-22" decimals="-5" id="f-11057" unitRef="eur">800000</bbva:AssuranceServicesAndOtherRequiredByTheRegulator>
    <bbva:AssuranceServicesAndOtherRequiredByTheRegulator contextRef="c-23" decimals="-5" id="f-11058" unitRef="eur">800000</bbva:AssuranceServicesAndOtherRequiredByTheRegulator>
    <ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory contextRef="c-1" id="f-11059">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;padding-left:20.73pt"&gt;Related-party transactions&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 2023 and 2022, the following are the transactions with related parties:&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Transactions with significant shareholders&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, 2023 and 2022, there were no shareholders with significant influence (see Note 26).&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:16.55pt"&gt;Transactions of BBVA Group entities with joint ventures and associates&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The balances of the main captions in the consolidated balance sheets arising from the transactions carried out by the BBVA Group with joint ventures and associates are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balances arising from transactions of BBVA Group entities with joint ventures and associates (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;791&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,842&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;204&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Memorandum accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;136&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;784&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;595&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The balances of the main captions in the consolidated income statements resulting from transactions with joint ventures and associates are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balances of consolidated income statement arising from transactions of BBVA Group entities with joint ventures and associates (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest and other income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fee and commission income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fee and commission expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:16.55pt"&gt;Transactions with members of the Board of Directors and Senior Management&lt;/span&gt;&lt;span style="color:#ee2724;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%"&gt; &lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.918%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="45" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at  December 31 of each year (thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Directors&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Senior Management&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Directors&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Senior Management&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Directors&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Senior Management&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Senior Management&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,664&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;688&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,553&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;727&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;668&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,880&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;764&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Bank guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Excluding executive directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory>
    <bbva:BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock contextRef="c-1" id="f-11060">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The balances of the main captions in the consolidated balance sheets arising from the transactions carried out by the BBVA Group with joint ventures and associates are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;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"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balances arising from transactions of BBVA Group entities with joint ventures and associates (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;639&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;791&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,842&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Deposits from credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;204&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Memorandum accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Financial guarantees given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;171&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;136&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;784&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;595&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loan commitments given&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryTableTextBlock>
    <ifrs-full:LoansAndAdvancesToBanks
      contextRef="c-4448"
      decimals="-6"
      id="f-11061"
      unitRef="eur">13000000</ifrs-full:LoansAndAdvancesToBanks>
    <ifrs-full:LoansAndAdvancesToBanks
      contextRef="c-4449"
      decimals="-6"
      id="f-11062"
      unitRef="eur">5000000</ifrs-full:LoansAndAdvancesToBanks>
    <ifrs-full:LoansAndAdvancesToBanks
      contextRef="c-4450"
      decimals="-6"
      id="f-11063"
      unitRef="eur">9000000</ifrs-full:LoansAndAdvancesToBanks>
    <ifrs-full:LoansAndAdvancesToCustomers
      contextRef="c-4448"
      decimals="-6"
      id="f-11064"
      unitRef="eur">639000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers
      contextRef="c-4449"
      decimals="-6"
      id="f-11065"
      unitRef="eur">791000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers
      contextRef="c-4450"
      decimals="-6"
      id="f-11066"
      unitRef="eur">1842000000</ifrs-full:LoansAndAdvancesToCustomers>
    <bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup
      contextRef="c-4448"
      decimals="-6"
      id="f-11067"
      unitRef="eur">4000000</bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup>
    <bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup
      contextRef="c-4449"
      decimals="-6"
      id="f-11068"
      unitRef="eur">4000000</bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup>
    <bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup
      contextRef="c-4450"
      decimals="-6"
      id="f-11069"
      unitRef="eur">7000000</bbva:DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup>
    <bbva:DepositsFromCreditInstitutions
      contextRef="c-4451"
      decimals="-6"
      id="f-11070"
      unitRef="eur">1000000</bbva:DepositsFromCreditInstitutions>
    <bbva:DepositsFromCreditInstitutions
      contextRef="c-4452"
      decimals="-6"
      id="f-11071"
      unitRef="eur">0</bbva:DepositsFromCreditInstitutions>
    <bbva:DepositsFromCreditInstitutions
      contextRef="c-4453"
      decimals="-6"
      id="f-11072"
      unitRef="eur">1000000</bbva:DepositsFromCreditInstitutions>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost
      contextRef="c-4451"
      decimals="-6"
      id="f-11073"
      unitRef="eur">160000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost
      contextRef="c-4452"
      decimals="-6"
      id="f-11074"
      unitRef="eur">134000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <ifrs-full:DepositsFromCustomersAtAmortisedCost
      contextRef="c-4453"
      decimals="-6"
      id="f-11075"
      unitRef="eur">204000000</ifrs-full:DepositsFromCustomersAtAmortisedCost>
    <bbva:FinancialGuaranteesGivenRelatedPartyTransactions
      contextRef="c-4454"
      decimals="-6"
      id="f-11076"
      unitRef="eur">171000000</bbva:FinancialGuaranteesGivenRelatedPartyTransactions>
    <bbva:FinancialGuaranteesGivenRelatedPartyTransactions
      contextRef="c-4455"
      decimals="-6"
      id="f-11077"
      unitRef="eur">177000000</bbva:FinancialGuaranteesGivenRelatedPartyTransactions>
    <bbva:FinancialGuaranteesGivenRelatedPartyTransactions
      contextRef="c-4456"
      decimals="-6"
      id="f-11078"
      unitRef="eur">136000000</bbva:FinancialGuaranteesGivenRelatedPartyTransactions>
    <bbva:OtherCommitmentsGivenRelatedPartyTransactions
      contextRef="c-4454"
      decimals="-6"
      id="f-11079"
      unitRef="eur">784000000</bbva:OtherCommitmentsGivenRelatedPartyTransactions>
    <bbva:OtherCommitmentsGivenRelatedPartyTransactions
      contextRef="c-4455"
      decimals="-6"
      id="f-11080"
      unitRef="eur">595000000</bbva:OtherCommitmentsGivenRelatedPartyTransactions>
    <bbva:OtherCommitmentsGivenRelatedPartyTransactions
      contextRef="c-4456"
      decimals="-6"
      id="f-11081"
      unitRef="eur">751000000</bbva:OtherCommitmentsGivenRelatedPartyTransactions>
    <bbva:LoanCommitmentsGivenRelatedPartyTransactions
      contextRef="c-4454"
      decimals="-6"
      id="f-11082"
      unitRef="eur">117000000</bbva:LoanCommitmentsGivenRelatedPartyTransactions>
    <bbva:LoanCommitmentsGivenRelatedPartyTransactions
      contextRef="c-4455"
      decimals="-6"
      id="f-11083"
      unitRef="eur">119000000</bbva:LoanCommitmentsGivenRelatedPartyTransactions>
    <bbva:LoanCommitmentsGivenRelatedPartyTransactions
      contextRef="c-4456"
      decimals="-6"
      id="f-11084"
      unitRef="eur">10000000</bbva:LoanCommitmentsGivenRelatedPartyTransactions>
    <bbva:BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock contextRef="c-1" id="f-11085">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The balances of the main captions in the consolidated income statements resulting from transactions with joint ventures and associates are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="background-color:#E9E9E9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:middle"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balances of consolidated income statement arising from transactions of BBVA Group entities with joint ventures and associates (Millions of Euros)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest and other income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;37&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #C0C0C0;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fee and commission income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Fee and commission expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:BalanceOfIncomeStatementArisingFromTransactionsWithEntitiesOfTheGroupTableTextBlock>
    <bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions contextRef="c-1" decimals="-6" id="f-11086" unitRef="eur">37000000</bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions>
    <bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions contextRef="c-22" decimals="-6" id="f-11087" unitRef="eur">44000000</bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions>
    <bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions contextRef="c-23" decimals="-6" id="f-11088" unitRef="eur">20000000</bbva:InterestIncomeAndOtherSimilarInterestsRelatedPartyTransactions>
    <bbva:InterestExpenseRelatedPartyTransactions contextRef="c-1" decimals="-6" id="f-11089" unitRef="eur">4000000</bbva:InterestExpenseRelatedPartyTransactions>
    <bbva:InterestExpenseRelatedPartyTransactions contextRef="c-22" decimals="-6" id="f-11090" unitRef="eur">4000000</bbva:InterestExpenseRelatedPartyTransactions>
    <bbva:InterestExpenseRelatedPartyTransactions contextRef="c-23" decimals="-6" id="f-11091" unitRef="eur">2000000</bbva:InterestExpenseRelatedPartyTransactions>
    <bbva:FeeAndCommissionIncomeRelatedPartiesTransactions contextRef="c-1" decimals="-6" id="f-11092" unitRef="eur">7000000</bbva:FeeAndCommissionIncomeRelatedPartiesTransactions>
    <bbva:FeeAndCommissionIncomeRelatedPartiesTransactions contextRef="c-22" decimals="-6" id="f-11093" unitRef="eur">4000000</bbva:FeeAndCommissionIncomeRelatedPartiesTransactions>
    <bbva:FeeAndCommissionIncomeRelatedPartiesTransactions contextRef="c-23" decimals="-6" id="f-11094" unitRef="eur">5000000</bbva:FeeAndCommissionIncomeRelatedPartiesTransactions>
    <bbva:FeeAndCommissionExpenseRelatedPartyTransactions contextRef="c-1" decimals="-6" id="f-11095" unitRef="eur">55000000</bbva:FeeAndCommissionExpenseRelatedPartyTransactions>
    <bbva:FeeAndCommissionExpenseRelatedPartyTransactions contextRef="c-22" decimals="-6" id="f-11096" unitRef="eur">49000000</bbva:FeeAndCommissionExpenseRelatedPartyTransactions>
    <bbva:FeeAndCommissionExpenseRelatedPartyTransactions contextRef="c-23" decimals="-6" id="f-11097" unitRef="eur">40000000</bbva:FeeAndCommissionExpenseRelatedPartyTransactions>
    <bbva:TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock contextRef="c-1" id="f-11098">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.141%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.299%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.918%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="45" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Balance at  December 31 of each year (thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Directors&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Senior Management&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Directors&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Senior Management&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Directors&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Senior Management&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Related parties of Senior Management&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Loans and credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;210&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,664&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;688&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;243&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,553&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;727&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;668&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,880&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;764&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Bank guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Excluding executive directors.&lt;/span&gt;&lt;/div&gt;</bbva:TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4457"
      decimals="-3"
      id="f-11099"
      unitRef="eur">2176000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4458"
      decimals="-3"
      id="f-11100"
      unitRef="eur">210000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4459"
      decimals="-3"
      id="f-11101"
      unitRef="eur">4664000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4460"
      decimals="-3"
      id="f-11102"
      unitRef="eur">688000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4461"
      decimals="-3"
      id="f-11103"
      unitRef="eur">531000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4462"
      decimals="-3"
      id="f-11104"
      unitRef="eur">243000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4463"
      decimals="-3"
      id="f-11105"
      unitRef="eur">5553000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4464"
      decimals="-3"
      id="f-11106"
      unitRef="eur">727000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4465"
      decimals="-3"
      id="f-11107"
      unitRef="eur">668000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4466"
      decimals="-3"
      id="f-11108"
      unitRef="eur">1880000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4467"
      decimals="-3"
      id="f-11109"
      unitRef="eur">6321000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:LoansAndCreditsToRelatedParties
      contextRef="c-4468"
      decimals="-3"
      id="f-11110"
      unitRef="eur">764000</bbva:LoansAndCreditsToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4457"
      decimals="-3"
      id="f-11111"
      unitRef="eur">0</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4458"
      decimals="-3"
      id="f-11112"
      unitRef="eur">0</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4459"
      decimals="-3"
      id="f-11113"
      unitRef="eur">10000</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4460"
      decimals="-3"
      id="f-11114"
      unitRef="eur">0</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4461"
      decimals="-3"
      id="f-11115"
      unitRef="eur">0</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4462"
      decimals="-3"
      id="f-11116"
      unitRef="eur">0</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4463"
      decimals="-3"
      id="f-11117"
      unitRef="eur">10000</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4464"
      decimals="-3"
      id="f-11118"
      unitRef="eur">0</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4465"
      decimals="-3"
      id="f-11119"
      unitRef="eur">0</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4466"
      decimals="-3"
      id="f-11120"
      unitRef="eur">0</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4467"
      decimals="-3"
      id="f-11121"
      unitRef="eur">10000</bbva:BankGuaranteesToRelatedParties>
    <bbva:BankGuaranteesToRelatedParties
      contextRef="c-4468"
      decimals="-3"
      id="f-11122"
      unitRef="eur">0</bbva:BankGuaranteesToRelatedParties>
    <ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory contextRef="c-1" id="f-11123">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Remuneration and other benefits of the Board of Directors and members of the Bank's Senior Management&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"&gt;Remuneration of non-executive directors&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The remuneration of the non-executive directors corresponding to the financial years 2024 and 2023 is as follows, individually and by remuneration item: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Remuneration of non-executive directors (thousands of Euros) &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Board of Directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Executive Committee &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Audit Committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Risk and Compliance Committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Remuneration Committee &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Appointments and Corporate Governance Committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Technology and Cybersecurity Committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Other positions &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.25pt;font-weight:700;line-height:120%;position:relative;top:-1.75pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Jos&#xe9; Miguel Andr&#xe9;s Torrecillas&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;593&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Jaime Caruana Lacorte&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;455&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;502&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Enrique Casanueva N&#xe1;rdiz&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt; (3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;223&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Sonia Dul&#xe1;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;223&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Ra&#xfa;l Galamba de Oliveira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;512&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Bel&#xe9;n Garijo L&#xf3;pez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;378&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;416&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Connie Hedegaard Koksbang&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Lourdes M&#xe1;iz Carro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Jos&#xe9; Maldonado Ramos &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;342&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Cristina de Parias Halc&#xf3;n &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Ana Peralta Moreno&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Juan Pi Llorens &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;361&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Ana Revenga Shanklin&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;86&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;364&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;307&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Susana Rodr&#xed;guez Vidarte &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(6)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;112&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Carlos Salazar Lomel&#xed;n &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(7)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Jan Verplancke&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;633&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,350&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Includes amounts corresponding to the positions on the Board and its various Committees, the composition of which was modified on April 26, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Amounts corresponding to the positions of Deputy Chair of the Board of Directors and Lead Director.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Director appointed by the General Shareholders' Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(4) Directors who left office on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(5) Director appointed by the General Shareholders&#x2019; Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. In addition, the director Cristina de Parias Halc&#xf3;n received in the 2024 and 2023 financial years, &#x20ac;72 thousand and &#x20ac;76 thousand, respectively, as per diems for her attendance to the meetings of the management body of BBVA M&#xe9;xico, S.A. de C.V. and Grupo Financiero BBVA M&#xe9;xico, S.A. de C.V. Likewise, in 2024, she received &#x20ac;56 thousand and 14,697 BBVA shares corresponding to the deferred portion of 2018 and 2019 annual variable remuneration accrued in her former condition of BBVA&#x2019;s member of Senior Management, including the update of its cash portion. In 2025, the last payment of the deferred portion of 2019 annual variable remuneration, including the update of its cash portion, is due to this director (&#x20ac;30 thousand and 7,593 BBVA shares). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(6) Director who left office on March 17, 2023. Remuneration in 2023 corresponding to the term in office in that financial year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(7) In addition, in financial years 2024 and 2023, the director Carlos Salazar Lomel&#xed;n received &#x20ac;113 thousand and &#x20ac;67 thousand, respectively, as per diems for his attendance to the meetings of the management body of BBVA M&#xe9;xico, S.A. de C.V. and Grupo Financiero BBVA M&#xe9;xico, S.A. de C.V. and of the strategy forum of BBVA M&#xe9;xico, S.A. de CV.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Likewise, during financial years 2024 and 2023, &#x20ac;112 thousand and &#x20ac;123 thousand were paid out, respectively, in healthcare and casualty insurance premiums for non-executive directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"&gt;Remuneration system with deferred delivery of shares for non-executive directors&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;BBVA has a fixed remuneration system with deferred delivery of shares for its non-executive directors, which was approved by the General Shareholders&#x2019; Meeting held on March 18, 2006 and extended by resolutions of the General Shareholders&#x2019; Meetings held on March 11, 2011 and March 11, 2016 for a further five-year period in each case, by the General Shareholders&#x2019; Meeting held on April 20, 2021 for a further three-year period and by the General Shareholders&#x2019; Meeting held on March 17, 2023 for a further four-year period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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 Shareholders&#x2019; Meetings approving the corresponding financial statements for each financial year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The BBVA shares, in a number equivalent to the theoretical shares accumulated by each non-executive director, will be delivered to each beneficiary, where applicable, after they leave directorship for any reason other than serious breach of their duties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The theoretical shares allocated to non-executive directors who were beneficiaries of the remuneration system with deferred delivery of shares in the 2024 and 2023 financial years, corresponding to 20% of the total annual fixed allowance in cash received by each of them in the 2023 and 2022 financial years, respectively, were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.477%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.878%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.240%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Theoretical shares allocated &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Theoretical shares accumulated as of December 31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Theoretical shares allocated &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Theoretical shares accumulated as of December 31 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jos&#xe9; Miguel Andr&#xe9;s Torrecillas&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;147,455&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134,048&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jaime Caruana Lacorte&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;106,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;94,960&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Enrique Casanueva N&#xe1;rdiz &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Sonia Dul&#xe1; &lt;/span&gt;&lt;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"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Ra&#xfa;l Galamba de Oliveira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,423&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,091&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29,768&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Bel&#xe9;n Garijo L&#xf3;pez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,401&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;110,593&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,603&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101,192&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Connie Hedegaard Koksbang&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,914&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,263&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,263&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Lourdes M&#xe1;iz Carro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71,593&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jos&#xe9; Maldonado Ramos &#x207d;&#x2074;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,735&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;146,874&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cristina de Parias Halc&#xf3;n &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Ana Peralta Moreno&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,713&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42,329&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Juan Pi Llorens &#x207d;&#x2074;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;148,542&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Ana Revenga Shanklin&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,947&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Susana Rodr&#xed;guez Vidarte &#x207d;&#x2075;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Carlos Salazar Lomel&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,882&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,012&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,130&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jan Verplancke&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,851&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,772&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;95,877&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;634,254&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129,471&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;849,685&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) The number of theoretical shares was calculated according to the average closing price of the BBVA share during the 60 trading sessions prior to the dates of the General Shareholders&#x2019; Meetings of March 15, 2024 and March 17, 2023 which were &#x20ac;8.84 and &#x20ac;6.58 per share, respectively.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)  Directors appointed by the General Meeting held on March 15, 2024; accordingly, the allocation of theoretical shares is not due until 2025. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Director appointed by the General Meeting held on March 17, 2023; accordingly, the first allocation of theoretical shares was made in 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(4) Directors who left office on March 15, 2024. In application of the system, Jos&#xe9; Maldonado Ramos and Juan Pi Llorens received a total of 154,609 and 156,699 BBVA shares, respectively, after leaving office, which is equivalent to the total theoretical shares accumulated up to that date by each of them.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(5) Director who left office on March 17, 2023. In application of the system, she received a total of 191,423 BBVA shares, after leaving office, which was equivalent to the total theoretical shares accumulated up to that date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"&gt;Remuneration of executive directors &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The remuneration of executive directors for financial years 2024 and 2023 indicated below, individually and by remuneration item, are the result of applying the BBVA Directors&#x2019; Remuneration Policy approved at the General Shareholders&#x2019; Meeting held on March 17, 2023. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.781%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Annual Fixed Remuneration (thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,924&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chief Executive Officer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,179&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,103&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, in accordance with the provisions established in the BBVA Directors&#x2019; Remuneration Policy and contractually, during the 2024 and 2023 financial years the Chair received, each year, the amount of &#x20ac;41 thousand of fixed allowances for vehicle rental and others. Meanwhile, the Chief Executive Officer received, each year, the amount of &#x20ac;654 thousand of fixed remuneration in cash in lieu of pension (equivalent to 30% of his Annual Fixed Remuneration), as he does not receive a retirement benefit (see section on &#x201c;Pension commitments with executive directors&#x201d; in this Note), and the amount of &#x20ac;600 thousand for his mobility allowance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.687%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.006%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.007%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Remuneration in kind (thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Likewise, the executive directors received remuneration in kind during the financial years 2024 and 2023, including insurance premiums and others, totaling &#x20ac;140 thousand and &#x20ac;172 thousand in the case of the Chair and &#x20ac;128 thousand and &#x20ac;131 thousand in the case of the Chief Executive Officer, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.687%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.006%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.007%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variable remuneration &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With regard to variable remuneration, the BBVA Directors&#x2019; Remuneration Policy approved by the General Shareholders&#x2019; Meeting in 2023 establishes a model whereby the Annual Variable Remuneration (&#x201c;AVR&#x201d;) of the executive directors comprises two components: a Short-Term Incentive (&#x201c;STI&#x201d;) and a Long-Term Incentive (&#x201c;LTI&#x201d;). The award of both incentives is contingent upon the achievement of the minimum profit and capital ratio thresholds approved by the Board of Directors for this purpose. The sum of the STI and the LTI constitutes the AVR for the year of each executive director. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The STI will be awarded once the reference year for measuring the annual indicators used for its calculation has ended. The amount of the STI will be determined based on the results of these indicators, taking into account the targets, scales of achievement and weightings established for each of them, which may range between 0% and 150% of the &#x201c;Target STI&#x201d;. The &#x201c;Target STI&#x201d; represents the amount of the STI if 100% of the pre-established targets for these indicators are achieved.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Once the aforementioned minimum profit and capital ratio thresholds have been reached, the right to the LTI will accrue, the final amount of which may range between 0% and 150% of the &#x201c;Target LTI&#x201d;. The &#x201c;Target LTI&#x201d; represents the amount of the LTI if 100% of the pre-established targets for the long-term indicators approved for its calculation are achieved. The final amount of the LTI will be determined once the last year of the measurement period of the long-term indicators has ended, based on their results and taking into account the targets, scales of achievement and weightings established for each of them. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A percentage not exceeding 40% of the AVR will be vested and paid, provided that the required conditions are met, as a general rule, in the first quarter of the year following the one to which it corresponds (the &#x201c;Upfront Portion&#x201d;), in equal parts in cash and BBVA shares. The remaining amount, and at least 60% of the AVR, will be deferred over a five-year period and paid, if conditions are met, at the end of each of the five years of deferral, 40% in cash and 60% in BBVA shares and/or instruments linked to BBVA shares (the &#x201c;Deferred Portion&#x201d; or the &#x201c;Deferred AVR&#x201d;).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Within said deferral period, the payment of the LTI shall only begin after the expiration of the measurement period of the long-term indicators&#x2019; targets, to the result of which its final amount is subject. Therefore, the LTI is part of the Deferred Portion of the AVR of executive directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In accordance with the foregoing, in 2024 the executive directors accrued a Short-Term Incentive amounting to &#x20ac;2,871 thousand in the case of the Chair and &#x20ac;2,147 thousand in the case of the Chief Executive Officer.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, the executive directors accrued the right to a Long-Term Incentive for a maximum theoretical amount of &#x20ac;1,929 thousand in the case of the Chair and &#x20ac;1,443 thousand for the Chief Executive Officer, which is equivalent, in both cases, to 150% of their Target LTI. Once the measurement period for the long-term indicators established for their calculation has ended (at the end of 2027), their final amount will be determined, which may range between 0% and 150% of the &#x201c;Target LTI&#x201d;. Therefore, if 100% of the pre-established targets are met, this incentive will amount to &#x20ac;1,286 thousand in the case of the Chair and &#x20ac;962 thousand in the case of the Chief Executive Officer.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, the remaining rules applicable to the Annual Variable Remuneration of the executive directors set out in the BBVA Directors&#x2019; Remuneration Policy will apply to the Annual Variable Remuneration for financial year 2024, which include: (i) a retention period of one year following delivery of the BBVA shares or instruments linked to 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 finally vested Deferred Portion in cash in accordance with the CPI; (iv) malus and clawback arrangements throughout the whole periods of deferral and retention of the shares or instruments; and (v) the limitation of variable remuneration to a maximum amount of 200% of the fixed component of total remuneration, in accordance with the resolution approved by the General Shareholders&#x2019; Meeting held in 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Taking into account the above, the Upfront Portion of the AVR for the financial years 2024 and 2023 of the executive directors which is due for payment once each of said financial years has ended, in equal parts in cash and BBVA shares, is indicated below. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.081%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.081%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Annual Variable Remuneration (AVR)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024 &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In cash&lt;br/&gt;(thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In cash&lt;br/&gt;(thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92,803&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;107,835&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chief Executive Officer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;69,408&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,650&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;162,211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;188,485&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(1) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#x2019;s payment capacity, are not reached. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(2) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#x2019;s payment capacity, are not reached. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.029%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.880%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.880%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.804%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred Annual Variable Remuneration (AVR) from previous financial years&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Deferred&lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;AVR&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In cash&lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In shares &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In cash&lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="6" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56,941&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56,941&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;228&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;57,325&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;57,325&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,529&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,529&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,795&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;198,616&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;195,590&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="6" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Chief Executive Officer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29,034&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,793&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,793&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,552&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,552&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;163&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,858&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,858&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;157,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;128,203&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,550&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;355,853&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,263&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;323,793&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(1) Deferred remuneration payable after the 2024 year-end, including the update of its cash portion. Payment to the Chair and the Chief Executive Officer will take place in 2025 in accordance with the vesting and payment rules set out in the remuneration policies applicable in each financial year: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2023 Deferred AVR: the first payment of the Deferred STI (17.9% of the Deferred Portion) is due to executive directors. Thereafter, the second payment of the Deferred STI (17.9% of the Deferred Portion) and the 2023 LTI (64.2% of the Deferred Portion) will be deferred for both executive directors. The final amount of the 2023 LTI will depend on the result of the long-term indicators approved for its calculation once its measurement period has elapsed (at the end of 2026), which may range between an achievement of 0% to 150%. If the relevant conditions are met, the second payment of the Deferred STI will be made in 2026 and the three payments of the 2023 LTI will be made in 2027, 2028 and 2029. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2022 Deferred AVR: the second payment (20% of the Deferred Portion) is due to executive directors. Thereafter, 60% of the 2022 Deferred AVR will be deferred for both executive directors, which, if the relevant conditions are met, will be paid in 2026, 2027, and 2028.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2021 Deferred AVR: the third payment (20% of the Deferred Portion) is due to executive directors, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. Thereafter, 40% of the 2021 Deferred AVR will be deferred for both executive directors which, if the relevant conditions are met, will be paid in 2026 and 2027.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2019 Deferred AVR: the third and final payment (20% of the Deferred Portion) is due to executive directors. Following this, payment to executive directors of the 2019 Deferred AVR will be completed. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(2) Deferred remuneration which was payable after the 2023 year-end, including the update of its cash portion. Its payment to the Chair and/or the Chief Executive Officer took place in 2024, in accordance with the vesting and payment rules set out in the remuneration policies applicable in each financial year: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2022 Deferred AVR: in 2024, the first payment (20% of the Deferred Portion) was made to executive directors. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2021 Deferred AVR: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2019 Deferred AVR: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2018 Deferred AVR: in 2024, the third and final payment (20% of the Deferred Portion) was made to the Chair. Following this, payment to the Chair of the 2018 Deferred AVR, which was associated with his former position as Chief Executive Officer, was completed. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"&gt;Pension commitments with executive directors &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The Bank has not assumed any pension commitments with non-executive directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With regard to the executive directors, the BBVA Directors&#x2019; 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The agreed annual contribution to cover the retirement contingency under the defined contribution system for the Chair, as set out in the BBVA Directors&#x2019; Remuneration Policy, is &#x20ac;439 thousand. The Board of Directors may update this amount during the term of the Policy, in the same manner as it may update the Annual Fixed Remuneration, pursuant to the terms established therein. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;A portion of 15% of this annual contribution will be based on variable components and considered &#x201c;discretionary pension benefits&#x201d;. It will, therefore, be subject to the conditions regarding delivery in shares, withholding, reduction 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&#x2019; Remuneration Policy.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In the event that the Chair&#x2019;s contractual relationship 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 above, plus the corresponding accumulated yield, with no additional contributions to be made by the Bank as of the time of termination.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In accordance with the foregoing, in the financial year 2024, an amount of &#x20ac;456 thousand was recorded, comprising the agreed annual contribution to cover the retirement contingency, which is &#x20ac;439 thousand, and a further amount of &#x20ac;17 thousand relating to the upward adjustment of the &#x201c;discretionary pension benefits&#x201d; for the financial year 2023, which were declared at the end of that year and which had to be included in the accumulated fund in 2024. Likewise, an amount of &#x20ac;252 thousand was paid in insurance premiums for the death and disability contingencies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, the total accumulated fund to meet the retirement commitments with the Chair amounted to &#x20ac; 26,893 thousand.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Of the annual contribution for the retirement contingency corresponding to the financial year 2024, 15% (&#x20ac;66 thousand) was recorded in that year as &#x201c;discretionary pension benefits&#x201d;. Following the end of the financial year, this amount was adjusted by applying the same criteria used to determine the Short-Term Incentive that is part of the Chair&#x2019;s Annual Variable Remuneration for the 2024 financial year and was determined to amount to &#x20ac;83 thousand, which represents an upward adjustment of &#x20ac;17 thousand. These &#x201c;discretionary pension benefits&#x201d; will be included in the accumulated fund in the 2025 financial year and will be subject to the conditions established for them in the BBVA Directors&#x2019; Remuneration Policy. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With regard to the Chief Executive Officer, in accordance with the provisions of the BBVA Directors&#x2019; 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 (&#x201c;cash in lieu of pension&#x201d;) equal to 30% of his Annual Fixed Remuneration. In accordance with the above, in the 2024 financial year, the Bank paid the Chief Executive Officer the amount of the &#x201c;cash in lieu of pension&#x201d; fixed remuneration, as described in the &#x201c;Remuneration of executive directors&#x201d; section of this Note.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;However, the Bank has undertaken commitments to cover the death and disability contingencies with the Chief Executive Officer, for which the corresponding annual insurance premiums are paid. For these purposes, an amount &#x20ac;221 thousand was recognized in 2024 in this regard.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.412%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.412%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Pension systems (thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contributions &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated funds&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retirement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Death and disability&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;456&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;322&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,893&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,759&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chief Executive Officer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;456&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;472&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;552&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26,893&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,759&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Contributions recognized to meet the pension commitments with the executive directors in financial years 2024 and 2023. In the case of the Chair, these relate to the sum of the annual retirement pension contribution and the adjustment made to the &#x201c;discretionary pension benefits&#x201d; for the financial years 2023 and 2022, the contribution of which to the accumulated fund was to be made in the financial years 2024 and 2023, respectively, as well as to the premiums for the death and disability contingencies. In the case of the Chief Executive Officer, the contributions recognized correspond exclusively to the insurance premiums paid by the Bank in 2024 and 2023 to cover the death and disability contingencies given that, in his case, the Bank has not undertaken any commitments to cover the contingency of retirement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"&gt;Payments for termination of the contractual relationship&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In accordance with the BBVA Directors&#x2019; Remuneration Policy, the Bank has no commitments to make severance payments to executive directors. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Remuneration of Senior Management &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The remuneration of all Senior Management, excluding executive directors, for financial years 2024 and 2023, as indicated below, broken down by remuneration item, are the result of applying the BBVA Group&#x2019;s General Remuneration Policy approved by the Board of Directors on March 29, 2023. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.781%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fixed remuneration (thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Senior Management Total &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,928&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,187&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:115%"&gt;(1) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%"&gt;In addition, in accordance with the provisions established in the BBVA Group&#x2019;s General Remuneration Policy and contractually, during the 2024 and 2023 financial years, the members of Senior Management collectively received fixed allowances for vehicle rental and others totaling &#x20ac;347 thousand and &#x20ac;314 thousand, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.687%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.006%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.007%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Remuneration in kind (thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;During the 2024 and 2023 financial years, remuneration in kind, including insurance premiums and others, totaling &#x20ac;603 thousand and &#x20ac;590 thousand, respectively, was collectively paid to members of Senior Management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.687%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.006%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.007%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Variable remuneration &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;With regard to variable remuneration, the BBVA Group&#x2019;s General Remuneration Policy establishes a model whereby the Annual Variable Remuneration (&#x201c;AVR&#x201d;) for members of Senior Management, like that of executive directors, comprises two components: a Short-Term Incentive (&#x201c;STI&#x201d;) and a Long-Term Incentive (&#x201c;LTI&#x201d;). The award of both incentives is contingent upon the achievement of the minimum profit and capital ratio thresholds approved by the Board of Directors for this purpose. The sum of the STI and the LTI constitutes the AVR for the year of each member of Senior Management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Under this model, and in the same terms as set out above for the executive directors, in 2024 financial year, all members of Senior Management accrued a Short-Term Incentive for a total combined amount of &#x20ac;7,271 thousand.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In addition, all members of Senior Management accrued the right to a Long-Term Incentive for a maximum theoretical amount of &#x20ac;4,856 thousand, which is equivalent to the sum of 150% of the &#x201c;Target LTI&#x201d; of each beneficiary. The final amount of the LTI of each beneficiary will be determined at the end of the measurement period of the long-term indicators established for its calculation (at the end of 2027). This final amount may range between 0% and 150% of the &#x201c;Target LTI&#x201d;. Therefore, if 100% of the pre-established targets are achieved, it will amount to a total of &#x20ac;3,237 thousand.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Moreover, the remaining rules applicable to the Annual Variable Remuneration of the members of the Senior Management established in the BBVA Group&#x2019;s General Remuneration Policy will apply to the Annual Variable Remuneration for financial year 2024, which include: (i) a retention period of one year following delivery of the BBVA shares or instruments linked to 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 finally vested Deferred Portion in cash in accordance with the CPI; (iv) malus and clawback arrangements throughout the whole periods of deferral and retention of the shares or instruments; and (v) the limitation of variable remuneration to a maximum amount of 200% of the fixed component of total remuneration, in accordance with the resolution approved by the General Shareholders&#x2019; Meeting in 2024. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Taking into account the above, the total sum of the Upfront Portion of the AVR for financial years 2024 and 2023 of the members of Senior Management, due for payment once each of said financial years has ended, in equal parts in cash and BBVA shares, is indicated below. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.867%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.544%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.570%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.544%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Annual Variable Remuneration (AVR)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024 &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In cash &lt;br/&gt;(thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In cash &lt;br/&gt;(thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Senior Management Total &lt;/span&gt;&lt;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"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,272&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;235,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;267,628&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(1) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares or instruments linked to shares). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#x2019;s payment capacity, are not reached.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(2) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#x2019;s payment capacity, are not reached.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.858%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.570%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.078%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.846%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.878%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.078%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred Annual Variable Remuneration (AVR) from previous financial years &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Deferred AVR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In cash &lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In shares &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In cash &lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="6" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Senior Management Total &lt;/span&gt;&lt;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"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;98,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;125,129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;122,566&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119,207&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;457&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;116,528&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;289,020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;77,447&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;77,447&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,454&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;434,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,885&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;642,015&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(1) Deferred remuneration payable after 2024 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who are beneficiaries will take place in 2025 in accordance with the remuneration policies applicable in each financial year and the vesting and payment rules set forth therein applicable to each member of Senior Management, based on when they became such a member: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2023 Deferred AVR: the first payment of the Deferred STI is due to members of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2022 Deferred AVR: the second payment is due to members of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2021 Deferred AVR: the third payment is due to members of Senior Management, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, the second payment of the deferred portion of a success bonus on the sale of BBVA USA is due to one member of Senior Management &#x2014; an executive of BBVA USA at that time &#x2014;. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2019 Deferred AVR: the third and final payment is due to the members of Senior Management that are beneficiaries. In addition, the third and final payment of the deferred portion of a retention plan is payable to one member of Senior Management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(2) Deferred remuneration which was payable after the 2023 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who were beneficiaries took place in 2024 in accordance with the vesting and payment rules set forth in the remuneration policies applicable in each financial year:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2022 Deferred AVR: in 2024, the first payment was made to members of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2021 Deferred AVR: in 2024, the second payment was made to members of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, in 2024 the deferred portion of a success bonus on the sale of BBVA USA was paid to two members of the Senior Management &#x2014; who were executives of BBVA USA at that time &#x2014;. In 2024, one of them received the whole of the deferred portion and the other one received the first payment of the deferred portion, in accordance with the vesting and payment rules set out in the remuneration policies applicable to each of them in that financial year. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2019 Deferred AVR: in 2024, the second payment was made to the members of Senior Management who were beneficiaries. In addition, the second payment of the deferred portion of a retention plan was paid to a member of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2018 Deferred AVR: in 2024, the third and final payment was made to the members of Senior Management who were beneficiaries. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"&gt;Pension commitments with members of Senior Management &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;In order to meet the pension commitments made to members of Senior Management (16 members as of December 31, 2024, excluding the executive directors), a total combined amount of &#x20ac;4,226 thousand was recognized in financial year 2024 for the contingency of retirement. This amount is equivalent to the annual contribution agreed to cover the contingency of retirement, plus a further amount of &#x20ac;150 thousand pertaining to the upward adjustment of the &#x201c;discretionary pension benefits&#x201d; for financial year 2023, which were declared at the end of that financial year and which had to be included to the accumulated fund in 2024. In addition, an aggregate total amount of &#x20ac;1,181 thousand was paid in premiums to cover the contingencies of death and disability. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As of December 31, 2024, the total accumulated fund to meet the retirement commitments with members of Senior Management amounted to &#x20ac;40,549 thousand.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;As in the case of executive directors, 15% of the annual contributions agreed to cover the contingency of retirement for members of Senior Management, will be based on variable components and will be considered &#x201c;discretionary pension benefits&#x201d;, and will therefore be subject to the conditions regarding delivery in shares, withholding, reduction and recovery established in the applicable regulations, as well as to any other conditions concerning variable remuneration that may be applicable to them in accordance with the remuneration policy applicable to members of Senior Management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;For these purposes, of the annual contribution for the retirement contingency recognized in the 2024 financial year, a total amount of &#x20ac;587 thousand was recognized in 2024 as &#x201c;discretionary pension benefits&#x201d;. Following the end of the financial year, and as in the case of the Chair, this amount was adjusted by applying the same criteria used to determine the Short-Term Incentive that is part of the Annual Variable Remuneration of the members of Senior Management for the 2024 financial year. As a result, the &#x201c;discretionary pension benefits&#x201d; for the year, corresponding to all members of Senior Management, have been calculated at a total combined amount of &#x20ac;741 thousand, which represents an upward adjustment of &#x20ac;154 thousand. These &#x201c;discretionary pension benefits&#x201d; will be included in the accumulated fund in the 2025 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.855%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.570%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.924%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Pension systems (thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contributions &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated funds&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retirement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Death and disability&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Senior Management Total &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,829&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,549&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;34,069&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Contributions recognized to meet pension commitments with all Senior Management in financial years 2024 and 2023, which relate to the sum of the annual retirement pension contributions and the adjustments made to the &#x201c;discretionary pension benefits&#x201d; for 2023 and 2022 which were included in the accumulated fund in 2024 and 2023, respectively, and to the insurance premiums paid by the Bank for death and disability contingencies.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(2) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"&gt;Payments for termination of the contractual relationship &lt;/span&gt;&lt;/div&gt;Regarding Senior Management, excluding the executive directors, in 2024 the Bank did not make any severance payments arising from the termination of the contractual relationship.</ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory>
    <bbva:RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock contextRef="c-1" id="f-11124">&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.450%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Remuneration of non-executive directors (thousands of Euros) &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Board of Directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Executive Committee &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Audit Committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Risk and Compliance Committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Remuneration Committee &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Appointments and Corporate Governance Committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Technology and Cybersecurity Committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Other positions &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.25pt;font-weight:700;line-height:120%;position:relative;top:-1.75pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Jos&#xe9; Miguel Andr&#xe9;s Torrecillas&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;165&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;625&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;593&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Jaime Caruana Lacorte&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;455&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;502&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Enrique Casanueva N&#xe1;rdiz&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt; (3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;71&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;223&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Sonia Dul&#xe1;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;223&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Ra&#xfa;l Galamba de Oliveira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;80&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;512&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Bel&#xe9;n Garijo L&#xf3;pez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;46&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;378&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;416&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Connie Hedegaard Koksbang&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;195&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Lourdes M&#xe1;iz Carro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Jos&#xe9; Maldonado Ramos &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;342&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Cristina de Parias Halc&#xf3;n &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Ana Peralta Moreno&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;238&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Juan Pi Llorens &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;361&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Ana Revenga Shanklin&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;107&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;86&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;364&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;307&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Susana Rodr&#xed;guez Vidarte &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(6)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;112&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Carlos Salazar Lomel&#xed;n &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:120%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;(7)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;172&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"&gt;Jan Verplancke&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;43&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;1,695&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;633&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;4,350&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:130%"&gt;(1) Includes amounts corresponding to the positions on the Board and its various Committees, the composition of which was modified on April 26, 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2) Amounts corresponding to the positions of Deputy Chair of the Board of Directors and Lead Director.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Director appointed by the General Shareholders' Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(4) Directors who left office on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(5) Director appointed by the General Shareholders&#x2019; Meeting held on March 15, 2024. Remuneration in 2024 corresponding to the term in office in that financial year. In addition, the director Cristina de Parias Halc&#xf3;n received in the 2024 and 2023 financial years, &#x20ac;72 thousand and &#x20ac;76 thousand, respectively, as per diems for her attendance to the meetings of the management body of BBVA M&#xe9;xico, S.A. de C.V. and Grupo Financiero BBVA M&#xe9;xico, S.A. de C.V. Likewise, in 2024, she received &#x20ac;56 thousand and 14,697 BBVA shares corresponding to the deferred portion of 2018 and 2019 annual variable remuneration accrued in her former condition of BBVA&#x2019;s member of Senior Management, including the update of its cash portion. In 2025, the last payment of the deferred portion of 2019 annual variable remuneration, including the update of its cash portion, is due to this director (&#x20ac;30 thousand and 7,593 BBVA shares). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(6) Director who left office on March 17, 2023. Remuneration in 2023 corresponding to the term in office in that financial year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(7) In addition, in financial years 2024 and 2023, the director Carlos Salazar Lomel&#xed;n received &#x20ac;113 thousand and &#x20ac;67 thousand, respectively, as per diems for his attendance to the meetings of the management body of BBVA M&#xe9;xico, S.A. de C.V. and Grupo Financiero BBVA M&#xe9;xico, S.A. de C.V. and of the strategy forum of BBVA M&#xe9;xico, S.A. de CV.&lt;/span&gt;&lt;/div&gt;</bbva:RemunerationForNonExecutiveDirectorsExplanatoryTableTextBlock>
    <ifrs-full:KeyManagementPersonnelCompensation
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      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4612"
      decimals="-3"
      id="f-11268"
      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4613"
      decimals="-3"
      id="f-11269"
      unitRef="eur">43000</ifrs-full:KeyManagementPersonnelCompensation>
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      contextRef="c-4614"
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      id="f-11270"
      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
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      decimals="-3"
      id="f-11271"
      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4616"
      decimals="-3"
      id="f-11272"
      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4617"
      decimals="-3"
      id="f-11273"
      unitRef="eur">172000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4618"
      decimals="-3"
      id="f-11274"
      unitRef="eur">172000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4619"
      decimals="-3"
      id="f-11275"
      unitRef="eur">129000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4620"
      decimals="-3"
      id="f-11276"
      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4621"
      decimals="-3"
      id="f-11277"
      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4622"
      decimals="-3"
      id="f-11278"
      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4623"
      decimals="-3"
      id="f-11279"
      unitRef="eur">43000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4624"
      decimals="-3"
      id="f-11280"
      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4625"
      decimals="-3"
      id="f-11281"
      unitRef="eur">43000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4626"
      decimals="-3"
      id="f-11282"
      unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4627"
      decimals="-3"
      id="f-11283"
      unitRef="eur">214000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4628"
      decimals="-3"
      id="f-11284"
      unitRef="eur">214000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4629"
      decimals="-3"
      id="f-11285"
      unitRef="eur">1695000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4630"
      decimals="-3"
      id="f-11286"
      unitRef="eur">542000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4631"
      decimals="-3"
      id="f-11287"
      unitRef="eur">497000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4632"
      decimals="-3"
      id="f-11288"
      unitRef="eur">633000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4633"
      decimals="-3"
      id="f-11289"
      unitRef="eur">293000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4634"
      decimals="-3"
      id="f-11290"
      unitRef="eur">293000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4635"
      decimals="-3"
      id="f-11291"
      unitRef="eur">168000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation
      contextRef="c-4636"
      decimals="-3"
      id="f-11292"
      unitRef="eur">130000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-1" decimals="-3" id="f-11293" unitRef="eur">4250000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-22" decimals="-3" id="f-11294" unitRef="eur">4350000</ifrs-full:KeyManagementPersonnelCompensation>
    <bbva:TheoreticalSharesTableTextBlock contextRef="c-1" id="f-11295">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The theoretical shares allocated to non-executive directors who were beneficiaries of the remuneration system with deferred delivery of shares in the 2024 and 2023 financial years, corresponding to 20% of the total annual fixed allowance in cash received by each of them in the 2023 and 2022 financial years, respectively, were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.477%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.878%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.240%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:0.25pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Theoretical shares allocated &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Theoretical shares accumulated as of December 31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.04pt;margin-top:0.06pt;text-align:center;text-indent:-0.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Theoretical shares allocated &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Theoretical shares accumulated as of December 31 &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jos&#xe9; Miguel Andr&#xe9;s Torrecillas&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,407&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;147,455&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;16,023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;134,048&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jaime Caruana Lacorte&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;11,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;106,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;94,960&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Enrique Casanueva N&#xe1;rdiz &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Sonia Dul&#xe1; &lt;/span&gt;&lt;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"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Ra&#xfa;l Galamba de Oliveira&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,423&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,091&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29,768&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Bel&#xe9;n Garijo L&#xf3;pez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;9,401&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;110,593&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,603&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;101,192&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Connie Hedegaard Koksbang&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,914&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,263&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,263&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Lourdes M&#xe1;iz Carro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;76,977&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;71,593&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jos&#xe9; Maldonado Ramos &#x207d;&#x2074;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,735&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;10,397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;146,874&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Cristina de Parias Halc&#xf3;n &#x207d;&#xb2;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Ana Peralta Moreno&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,384&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;47,713&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;7,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;42,329&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Juan Pi Llorens &#x207d;&#x2074;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,157&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;148,542&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Ana Revenga Shanklin&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,947&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;31,161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;8,035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,214&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Susana Rodr&#xed;guez Vidarte &#x207d;&#x2075;&#x207e;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;13,648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Carlos Salazar Lomel&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,882&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;21,012&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;5,218&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;17,130&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Jan Verplancke&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,851&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,623&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;6,521&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,772&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;95,877&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;634,254&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;129,471&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;border-bottom:0.25pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;849,685&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(1) The number of theoretical shares was calculated according to the average closing price of the BBVA share during the 60 trading sessions prior to the dates of the General Shareholders&#x2019; Meetings of March 15, 2024 and March 17, 2023 which were &#x20ac;8.84 and &#x20ac;6.58 per share, respectively.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(2)  Directors appointed by the General Meeting held on March 15, 2024; accordingly, the allocation of theoretical shares is not due until 2025. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(3) Director appointed by the General Meeting held on March 17, 2023; accordingly, the first allocation of theoretical shares was made in 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(4) Directors who left office on March 15, 2024. In application of the system, Jos&#xe9; Maldonado Ramos and Juan Pi Llorens received a total of 154,609 and 156,699 BBVA shares, respectively, after leaving office, which is equivalent to the total theoretical shares accumulated up to that date by each of them.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:2pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%"&gt;(5) Director who left office on March 17, 2023. In application of the system, she received a total of 191,423 BBVA shares, after leaving office, which was equivalent to the total theoretical shares accumulated up to that date.&lt;/span&gt;&lt;/div&gt;</bbva:TheoreticalSharesTableTextBlock>
    <bbva:TheoreticalSharesAllocated
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      unitRef="shares">13407</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
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      id="f-11297"
      unitRef="shares">147455</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
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      id="f-11298"
      unitRef="shares">16023</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4638"
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      id="f-11299"
      unitRef="shares">134048</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4639"
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      id="f-11300"
      unitRef="shares">11350</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4639"
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      id="f-11301"
      unitRef="shares">106310</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4640"
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      id="f-11302"
      unitRef="shares">17255</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4640"
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      id="f-11303"
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    <bbva:TheoreticalSharesAllocated
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      id="f-11304"
      unitRef="shares">0</bbva:TheoreticalSharesAllocated>
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      id="f-11305"
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      id="f-11306"
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    <bbva:TheoreticalSharesAllocated
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      id="f-11308"
      unitRef="shares">5042</bbva:TheoreticalSharesAllocated>
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      id="f-11309"
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      id="f-11310"
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    <bbva:TheoreticalSharesAllocated
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      decimals="0"
      id="f-11312"
      unitRef="shares">10423</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
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      decimals="0"
      id="f-11313"
      unitRef="shares">40191</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
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      id="f-11314"
      unitRef="shares">10091</bbva:TheoreticalSharesAllocated>
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      id="f-11315"
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      id="f-11316"
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      id="f-11317"
      unitRef="shares">110593</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
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      id="f-11318"
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    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
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      id="f-11319"
      unitRef="shares">101192</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
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      id="f-11320"
      unitRef="shares">3914</bbva:TheoreticalSharesAllocated>
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      decimals="0"
      id="f-11321"
      unitRef="shares">7177</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4650"
      decimals="0"
      id="f-11322"
      unitRef="shares">3263</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4650"
      decimals="0"
      id="f-11323"
      unitRef="shares">3263</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4651"
      decimals="0"
      id="f-11324"
      unitRef="shares">5384</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4651"
      decimals="0"
      id="f-11325"
      unitRef="shares">76977</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4652"
      decimals="0"
      id="f-11326"
      unitRef="shares">7237</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4652"
      decimals="0"
      id="f-11327"
      unitRef="shares">71593</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4653"
      decimals="0"
      id="f-11328"
      unitRef="shares">7735</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4653"
      decimals="0"
      id="f-11329"
      unitRef="shares">0</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4654"
      decimals="0"
      id="f-11330"
      unitRef="shares">10397</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4654"
      decimals="0"
      id="f-11331"
      unitRef="shares">146874</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4655"
      decimals="0"
      id="f-11332"
      unitRef="shares">0</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4655"
      decimals="0"
      id="f-11333"
      unitRef="shares">0</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4656"
      decimals="0"
      id="f-11334"
      unitRef="shares">0</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4656"
      decimals="0"
      id="f-11335"
      unitRef="shares">0</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4657"
      decimals="0"
      id="f-11336"
      unitRef="shares">5384</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4657"
      decimals="0"
      id="f-11337"
      unitRef="shares">47713</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4658"
      decimals="0"
      id="f-11338"
      unitRef="shares">7237</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4658"
      decimals="0"
      id="f-11339"
      unitRef="shares">42329</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4659"
      decimals="0"
      id="f-11340"
      unitRef="shares">8157</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4659"
      decimals="0"
      id="f-11341"
      unitRef="shares">0</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4660"
      decimals="0"
      id="f-11342"
      unitRef="shares">13943</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4660"
      decimals="0"
      id="f-11343"
      unitRef="shares">148542</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4661"
      decimals="0"
      id="f-11344"
      unitRef="shares">6947</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4661"
      decimals="0"
      id="f-11345"
      unitRef="shares">31161</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4662"
      decimals="0"
      id="f-11346"
      unitRef="shares">8035</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4662"
      decimals="0"
      id="f-11347"
      unitRef="shares">24214</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4663"
      decimals="0"
      id="f-11348"
      unitRef="shares">0</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4663"
      decimals="0"
      id="f-11349"
      unitRef="shares">0</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4664"
      decimals="0"
      id="f-11350"
      unitRef="shares">13648</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4664"
      decimals="0"
      id="f-11351"
      unitRef="shares">0</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4665"
      decimals="0"
      id="f-11352"
      unitRef="shares">3882</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4665"
      decimals="0"
      id="f-11353"
      unitRef="shares">21012</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4666"
      decimals="0"
      id="f-11354"
      unitRef="shares">5218</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4666"
      decimals="0"
      id="f-11355"
      unitRef="shares">17130</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4667"
      decimals="0"
      id="f-11356"
      unitRef="shares">4851</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4667"
      decimals="0"
      id="f-11357"
      unitRef="shares">40623</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-4668"
      decimals="0"
      id="f-11358"
      unitRef="shares">6521</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-4668"
      decimals="0"
      id="f-11359"
      unitRef="shares">35772</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-13"
      decimals="0"
      id="f-11360"
      unitRef="shares">95877</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-13"
      decimals="0"
      id="f-11361"
      unitRef="shares">634254</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:TheoreticalSharesAllocated
      contextRef="c-20"
      decimals="0"
      id="f-11362"
      unitRef="shares">129471</bbva:TheoreticalSharesAllocated>
    <bbva:TheoreticalSharesAccumulatedAsOfDecember31
      contextRef="c-20"
      decimals="0"
      id="f-11363"
      unitRef="shares">849685</bbva:TheoreticalSharesAccumulatedAsOfDecember31>
    <bbva:AnnualFixedRemunerationTableTextBlock contextRef="c-1" id="f-11364">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The remuneration of executive directors for financial years 2024 and 2023 indicated below, individually and by remuneration item, are the result of applying the BBVA Directors&#x2019; Remuneration Policy approved at the General Shareholders&#x2019; Meeting held on March 17, 2023. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.781%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Annual Fixed Remuneration (thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,924&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,924&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chief Executive Officer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,179&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,103&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;5,103&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:AnnualFixedRemunerationTableTextBlock>
    <bbva:AnnualFixedRemuneration
      contextRef="c-4669"
      decimals="-3"
      id="f-11365"
      unitRef="eur">2924000</bbva:AnnualFixedRemuneration>
    <bbva:AnnualFixedRemuneration
      contextRef="c-4670"
      decimals="-3"
      id="f-11366"
      unitRef="eur">2924000</bbva:AnnualFixedRemuneration>
    <bbva:AnnualFixedRemuneration
      contextRef="c-4671"
      decimals="-3"
      id="f-11367"
      unitRef="eur">2179000</bbva:AnnualFixedRemuneration>
    <bbva:AnnualFixedRemuneration
      contextRef="c-4672"
      decimals="-3"
      id="f-11368"
      unitRef="eur">2179000</bbva:AnnualFixedRemuneration>
    <bbva:AnnualFixedRemuneration contextRef="c-13" decimals="-3" id="f-11369" unitRef="eur">5103000</bbva:AnnualFixedRemuneration>
    <bbva:AnnualFixedRemuneration contextRef="c-20" decimals="-3" id="f-11370" unitRef="eur">5103000</bbva:AnnualFixedRemuneration>
    <bbva:AnnualVariableRemunerationAVRTableTextBlock contextRef="c-1" id="f-11371">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;Taking into account the above, the Upfront Portion of the AVR for the financial years 2024 and 2023 of the executive directors which is due for payment once each of said financial years has ended, in equal parts in cash and BBVA shares, is indicated below. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.081%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.081%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Annual Variable Remuneration (AVR)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024 &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In cash&lt;br/&gt;(thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In cash&lt;br/&gt;(thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;92,803&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;897&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;107,835&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chief Executive Officer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;69,408&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;80,650&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;162,211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;188,485&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(1) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#x2019;s payment capacity, are not reached. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(2) Upfront Portion (37%) of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares).&lt;/span&gt;&lt;/div&gt;The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#x2019;s payment capacity, are not reached.</bbva:AnnualVariableRemunerationAVRTableTextBlock>
    <bbva:AnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4673"
      decimals="-3"
      id="f-11372"
      unitRef="eur">897000</bbva:AnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:AnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4673"
      decimals="0"
      id="f-11373"
      unitRef="shares">92803000</bbva:AnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:AnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4674"
      decimals="-3"
      id="f-11374"
      unitRef="eur">897000</bbva:AnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:AnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4674"
      decimals="0"
      id="f-11375"
      unitRef="shares">107835000</bbva:AnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:AnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4675"
      decimals="-3"
      id="f-11376"
      unitRef="eur">671000</bbva:AnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:AnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4675"
      decimals="0"
      id="f-11377"
      unitRef="shares">69408000</bbva:AnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:AnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4676"
      decimals="-3"
      id="f-11378"
      unitRef="eur">671000</bbva:AnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:AnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4676"
      decimals="0"
      id="f-11379"
      unitRef="shares">80650000</bbva:AnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:AnnualVariableRemunerationBBVADirectorsInCash contextRef="c-13" decimals="-3" id="f-11380" unitRef="eur">1568000</bbva:AnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:AnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-13"
      decimals="0"
      id="f-11381"
      unitRef="shares">162211000</bbva:AnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:AnnualVariableRemunerationBBVADirectorsInCash contextRef="c-20" decimals="-3" id="f-11382" unitRef="eur">1568000</bbva:AnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:AnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-20"
      decimals="0"
      id="f-11383"
      unitRef="shares">188485000</bbva:AnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock contextRef="c-1" id="f-11384">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.739%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.029%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.880%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.880%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.804%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred Annual Variable Remuneration (AVR) from previous financial years&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Deferred&lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;AVR&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In cash&lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In shares &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In cash&lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1.18pt 2px 1pt;text-align:right;text-indent:-0.18pt;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="6" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;38,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56,941&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56,941&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;228&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;57,325&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;222&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;57,325&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,529&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;45,529&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;132&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;35,795&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;198,616&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;195,590&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="6" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Chief Executive Officer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;29,034&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,793&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,793&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,552&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;169&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;43,552&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:left;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;163&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,858&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;40,858&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Subtotal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;157,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#004481;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;128,203&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,550&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;355,853&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,263&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;323,793&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(1) Deferred remuneration payable after the 2024 year-end, including the update of its cash portion. Payment to the Chair and the Chief Executive Officer will take place in 2025 in accordance with the vesting and payment rules set out in the remuneration policies applicable in each financial year: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2023 Deferred AVR: the first payment of the Deferred STI (17.9% of the Deferred Portion) is due to executive directors. Thereafter, the second payment of the Deferred STI (17.9% of the Deferred Portion) and the 2023 LTI (64.2% of the Deferred Portion) will be deferred for both executive directors. The final amount of the 2023 LTI will depend on the result of the long-term indicators approved for its calculation once its measurement period has elapsed (at the end of 2026), which may range between an achievement of 0% to 150%. If the relevant conditions are met, the second payment of the Deferred STI will be made in 2026 and the three payments of the 2023 LTI will be made in 2027, 2028 and 2029. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2022 Deferred AVR: the second payment (20% of the Deferred Portion) is due to executive directors. Thereafter, 60% of the 2022 Deferred AVR will be deferred for both executive directors, which, if the relevant conditions are met, will be paid in 2026, 2027, and 2028.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2021 Deferred AVR: the third payment (20% of the Deferred Portion) is due to executive directors, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. Thereafter, 40% of the 2021 Deferred AVR will be deferred for both executive directors which, if the relevant conditions are met, will be paid in 2026 and 2027.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2019 Deferred AVR: the third and final payment (20% of the Deferred Portion) is due to executive directors. Following this, payment to executive directors of the 2019 Deferred AVR will be completed. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(2) Deferred remuneration which was payable after the 2023 year-end, including the update of its cash portion. Its payment to the Chair and/or the Chief Executive Officer took place in 2024, in accordance with the vesting and payment rules set out in the remuneration policies applicable in each financial year: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2022 Deferred AVR: in 2024, the first payment (20% of the Deferred Portion) was made to executive directors. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2021 Deferred AVR: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, executive directors voluntarily waived the whole of their 2020 AVR. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-14.18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:11.38pt"&gt;2019 Deferred AVR: in 2024, the second payment (20% of the Deferred Portion) was made to executive directors. &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;2018 Deferred AVR: in 2024, the third and final payment (20% of the Deferred Portion) was made to the Chair. Following this, payment to the Chair of the 2018 Deferred AVR, which was associated with his former position as Chief Executive Officer, was completed.</bbva:DeferredAnnualVariableRemunerationFromPreviousFinancialYearsTableTextBlock>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
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    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
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    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
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    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4678"
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    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
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      id="f-11389"
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    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
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      id="f-11390"
      unitRef="shares">56941000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4680"
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      id="f-11391"
      unitRef="eur">229000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4680"
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      id="f-11392"
      unitRef="shares">56941000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4681"
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      id="f-11393"
      unitRef="eur">228000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4681"
      decimals="0"
      id="f-11394"
      unitRef="shares">57325000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4682"
      decimals="-3"
      id="f-11395"
      unitRef="eur">222000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4682"
      decimals="0"
      id="f-11396"
      unitRef="shares">57325</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4683"
      decimals="-3"
      id="f-11397"
      unitRef="eur">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4683"
      decimals="0"
      id="f-11398"
      unitRef="shares">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4684"
      decimals="-3"
      id="f-11399"
      unitRef="eur">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4684"
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      id="f-11400"
      unitRef="shares">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4685"
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      id="f-11401"
      unitRef="eur">181000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4685"
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      id="f-11402"
      unitRef="shares">45529000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4686"
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      id="f-11403"
      unitRef="eur">176000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4686"
      decimals="0"
      id="f-11404"
      unitRef="shares">45529</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4687"
      decimals="-3"
      id="f-11405"
      unitRef="eur">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4687"
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      id="f-11406"
      unitRef="shares">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4688"
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      id="f-11407"
      unitRef="eur">132000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4688"
      decimals="0"
      id="f-11408"
      unitRef="shares">35795</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4689"
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      id="f-11409"
      unitRef="eur">867000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4689"
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      id="f-11410"
      unitRef="shares">198616000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4690"
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      id="f-11411"
      unitRef="eur">760000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4690"
      decimals="0"
      id="f-11412"
      unitRef="shares">195590</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4691"
      decimals="-3"
      id="f-11413"
      unitRef="eur">166000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4691"
      decimals="0"
      id="f-11414"
      unitRef="shares">29034000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4692"
      decimals="-3"
      id="f-11415"
      unitRef="eur">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4692"
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      id="f-11416"
      unitRef="shares">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4693"
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      id="f-11417"
      unitRef="eur">181000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4693"
      decimals="0"
      id="f-11418"
      unitRef="shares">43793000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4694"
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      id="f-11419"
      unitRef="eur">176000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4694"
      decimals="0"
      id="f-11420"
      unitRef="shares">43793</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4695"
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      id="f-11421"
      unitRef="eur">173000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
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      id="f-11422"
      unitRef="shares">43552000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4696"
      decimals="-3"
      id="f-11423"
      unitRef="eur">169000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4696"
      decimals="0"
      id="f-11424"
      unitRef="shares">43552</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4697"
      decimals="-3"
      id="f-11425"
      unitRef="eur">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4697"
      decimals="0"
      id="f-11426"
      unitRef="shares">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4698"
      decimals="-3"
      id="f-11427"
      unitRef="eur">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4698"
      decimals="0"
      id="f-11428"
      unitRef="shares">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4699"
      decimals="-3"
      id="f-11429"
      unitRef="eur">163000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4699"
      decimals="0"
      id="f-11430"
      unitRef="shares">40858000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4700"
      decimals="-3"
      id="f-11431"
      unitRef="eur">158000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4700"
      decimals="0"
      id="f-11432"
      unitRef="shares">40858</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4701"
      decimals="-3"
      id="f-11433"
      unitRef="eur">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4701"
      decimals="0"
      id="f-11434"
      unitRef="shares">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4702"
      decimals="-3"
      id="f-11435"
      unitRef="eur">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4702"
      decimals="0"
      id="f-11436"
      unitRef="shares">0</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4703"
      decimals="-3"
      id="f-11437"
      unitRef="eur">683000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4703"
      decimals="0"
      id="f-11438"
      unitRef="shares">157237000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash
      contextRef="c-4704"
      decimals="-3"
      id="f-11439"
      unitRef="eur">503000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-4704"
      decimals="0"
      id="f-11440"
      unitRef="shares">128203</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash contextRef="c-13" decimals="-3" id="f-11441" unitRef="eur">1550000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-13"
      decimals="0"
      id="f-11442"
      unitRef="shares">355853000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash contextRef="c-20" decimals="-3" id="f-11443" unitRef="eur">1263000</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInCash>
    <bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares
      contextRef="c-20"
      decimals="0"
      id="f-11444"
      unitRef="shares">323793</bbva:DeferredAnnualVariableRemunerationBBVADirectorsInShares>
    <bbva:ExecutiveDirectorsTableTextBlock contextRef="c-1" id="f-11445">&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.412%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.412%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Pension systems (thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contributions &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated funds&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retirement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Death and disability&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;456&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;322&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;26,893&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;24,759&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Chief Executive Officer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;221&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;230&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;456&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;458&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;472&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;552&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;26,893&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;24,759&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;(1) Contributions recognized to meet the pension commitments with the executive directors in financial years 2024 and 2023. In the case of the Chair, these relate to the sum of the annual retirement pension contribution and the adjustment made to the &#x201c;discretionary pension benefits&#x201d; for the financial years 2023 and 2022, the contribution of which to the accumulated fund was to be made in the financial years 2024 and 2023, respectively, as well as to the premiums for the death and disability contingencies. In the case of the Chief Executive Officer, the contributions recognized correspond exclusively to the insurance premiums paid by the Bank in 2024 and 2023 to cover the death and disability contingencies given that, in his case, the Bank has not undertaken any commitments to cover the contingency of retirement.</bbva:ExecutiveDirectorsTableTextBlock>
    <bbva:ExecutiveDirectorsRetirement
      contextRef="c-4705"
      decimals="-3"
      id="f-11446"
      unitRef="eur">456000</bbva:ExecutiveDirectorsRetirement>
    <bbva:ExecutiveDirectorsRetirement
      contextRef="c-4706"
      decimals="-3"
      id="f-11447"
      unitRef="eur">458000</bbva:ExecutiveDirectorsRetirement>
    <bbva:ExecutiveDirectorsDeathAndDisability
      contextRef="c-4705"
      decimals="-3"
      id="f-11448"
      unitRef="eur">252000</bbva:ExecutiveDirectorsDeathAndDisability>
    <bbva:ExecutiveDirectorsDeathAndDisability
      contextRef="c-4706"
      decimals="-3"
      id="f-11449"
      unitRef="eur">322000</bbva:ExecutiveDirectorsDeathAndDisability>
    <bbva:ExecutiveDirectorsFundsAccumulated
      contextRef="c-4705"
      decimals="-3"
      id="f-11450"
      unitRef="eur">26893000</bbva:ExecutiveDirectorsFundsAccumulated>
    <bbva:ExecutiveDirectorsFundsAccumulated
      contextRef="c-4706"
      decimals="-3"
      id="f-11451"
      unitRef="eur">24759000</bbva:ExecutiveDirectorsFundsAccumulated>
    <bbva:ExecutiveDirectorsRetirement
      contextRef="c-4707"
      decimals="-3"
      id="f-11452"
      unitRef="eur">0</bbva:ExecutiveDirectorsRetirement>
    <bbva:ExecutiveDirectorsRetirement
      contextRef="c-4708"
      decimals="-3"
      id="f-11453"
      unitRef="eur">0</bbva:ExecutiveDirectorsRetirement>
    <bbva:ExecutiveDirectorsDeathAndDisability
      contextRef="c-4707"
      decimals="-3"
      id="f-11454"
      unitRef="eur">221000</bbva:ExecutiveDirectorsDeathAndDisability>
    <bbva:ExecutiveDirectorsDeathAndDisability
      contextRef="c-4708"
      decimals="-3"
      id="f-11455"
      unitRef="eur">230000</bbva:ExecutiveDirectorsDeathAndDisability>
    <bbva:ExecutiveDirectorsFundsAccumulated
      contextRef="c-4707"
      decimals="-3"
      id="f-11456"
      unitRef="eur">0</bbva:ExecutiveDirectorsFundsAccumulated>
    <bbva:ExecutiveDirectorsFundsAccumulated
      contextRef="c-4708"
      decimals="-3"
      id="f-11457"
      unitRef="eur">0</bbva:ExecutiveDirectorsFundsAccumulated>
    <bbva:ExecutiveDirectorsRetirement contextRef="c-13" decimals="-3" id="f-11458" unitRef="eur">456000</bbva:ExecutiveDirectorsRetirement>
    <bbva:ExecutiveDirectorsRetirement contextRef="c-20" decimals="-3" id="f-11459" unitRef="eur">458000</bbva:ExecutiveDirectorsRetirement>
    <bbva:ExecutiveDirectorsDeathAndDisability contextRef="c-13" decimals="-3" id="f-11460" unitRef="eur">472000</bbva:ExecutiveDirectorsDeathAndDisability>
    <bbva:ExecutiveDirectorsDeathAndDisability contextRef="c-20" decimals="-3" id="f-11461" unitRef="eur">552000</bbva:ExecutiveDirectorsDeathAndDisability>
    <bbva:ExecutiveDirectorsFundsAccumulated contextRef="c-13" decimals="-3" id="f-11462" unitRef="eur">26893000</bbva:ExecutiveDirectorsFundsAccumulated>
    <bbva:ExecutiveDirectorsFundsAccumulated contextRef="c-20" decimals="-3" id="f-11463" unitRef="eur">24759000</bbva:ExecutiveDirectorsFundsAccumulated>
    <bbva:AnnualFixedRemunerationSeniorManagementTableTextBlock contextRef="c-1" id="f-11464">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The remuneration of all Senior Management, excluding executive directors, for financial years 2024 and 2023, as indicated below, broken down by remuneration item, are the result of applying the BBVA Group&#x2019;s General Remuneration Policy approved by the Board of Directors on March 29, 2023. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.781%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Fixed remuneration (thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt 0 1.49pt;text-indent:-0.49pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:right"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Senior Management Total &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;19,928&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;18,187&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;(1) 16 members as of December 31, 2024, and 15 members as of December 31, 2023, excluding executive directors in both cases.</bbva:AnnualFixedRemunerationSeniorManagementTableTextBlock>
    <bbva:SeniorManagementTotalAnnualFixedRemuneration contextRef="c-13" decimals="-3" id="f-11465" unitRef="eur">19928000</bbva:SeniorManagementTotalAnnualFixedRemuneration>
    <bbva:SeniorManagementTotalAnnualFixedRemuneration contextRef="c-20" decimals="-3" id="f-11466" unitRef="eur">18187000</bbva:SeniorManagementTotalAnnualFixedRemuneration>
    <bbva:AnnualVariableRemunerationAVRSeniorManagementTableTextBlock contextRef="c-1" id="f-11467">&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.867%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.544%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.570%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.544%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#e9e9e9;padding:2px 1pt 2px 1.49pt;text-align:left;text-indent:-0.49pt;vertical-align:top"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Annual Variable Remuneration (AVR)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#e9e9e9;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024 &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023 &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In cash &lt;br/&gt;(thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In cash &lt;br/&gt;(thousands of Euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Senior Management Total &lt;/span&gt;&lt;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"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,272&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;235,016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2,229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;267,628&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(1) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2024 and will be paid during the first quarter of financial year 2025, in equal parts in cash and BBVA shares. The remaining amount of the 2024 Annual Variable Remuneration (which includes the 2024 Long-Term Incentive) will be deferred over a 5-year period (40% in cash and 60% in shares or instruments linked to shares). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2024 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#x2019;s payment capacity, are not reached.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(2) Upfront Portion of the Annual Variable Remuneration, which represents the first payment of the Short-Term Incentive for financial year 2023 and which was paid in 2024, in equal parts in cash and BBVA shares. The remaining amount of the 2023 Annual Variable Remuneration (which includes the 2023 Long-Term Incentive) was deferred over a 5-year period (40% in cash and 60% in shares and/or instruments linked to shares). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;The final amount of the Deferred AVR will depend on the result of the long-term indicators to be used to calculate the 2023 Long-Term Incentive. Likewise, and as an ex post risk adjustment mechanism, the Deferred AVR may be reduced if the capital and liquidity thresholds established to guarantee that payment occurs only if it is sustainable, in accordance with the Bank&#x2019;s payment capacity, are not reached.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases.&lt;/span&gt;&lt;/div&gt;</bbva:AnnualVariableRemunerationAVRSeniorManagementTableTextBlock>
    <bbva:AnnualVariableRemunerationSeniorManagementInCash
      contextRef="c-4709"
      decimals="-3"
      id="f-11468"
      unitRef="eur">2272000</bbva:AnnualVariableRemunerationSeniorManagementInCash>
    <bbva:AnnualVariableRemunerationSeniorManagementInShares
      contextRef="c-4709"
      decimals="0"
      id="f-11469"
      unitRef="shares">235016000</bbva:AnnualVariableRemunerationSeniorManagementInShares>
    <bbva:AnnualVariableRemunerationSeniorManagementInCash
      contextRef="c-4710"
      decimals="-3"
      id="f-11470"
      unitRef="eur">2229000</bbva:AnnualVariableRemunerationSeniorManagementInCash>
    <bbva:AnnualVariableRemunerationSeniorManagementInShares
      contextRef="c-4710"
      decimals="0"
      id="f-11471"
      unitRef="shares">267628000</bbva:AnnualVariableRemunerationSeniorManagementInShares>
    <bbva:DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock contextRef="c-1" id="f-11472">&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.893%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.858%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.842%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.570%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.078%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.846%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.878%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.078%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Deferred Annual Variable Remuneration (AVR) from previous financial years &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;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"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;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"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;Deferred AVR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In cash &lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In shares &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1.18pt 0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In cash &lt;/span&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;(thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="6" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Senior Management Total &lt;/span&gt;&lt;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"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;98,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;125,129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;493&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;122,566&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;119,207&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;457&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;116,528&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;14,340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,494&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;289,020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;77,447&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;77,447&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;padding:2px 1pt;text-align:center;text-indent:-0.18pt;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;36,454&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="background-color:#5ac4c4;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;1,963&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;434,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2,885&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#5ac4c4;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#ffffff;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;642,015&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(1) Deferred remuneration payable after 2024 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who are beneficiaries will take place in 2025 in accordance with the remuneration policies applicable in each financial year and the vesting and payment rules set forth therein applicable to each member of Senior Management, based on when they became such a member: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2023 Deferred AVR: the first payment of the Deferred STI is due to members of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2022 Deferred AVR: the second payment is due to members of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2021 Deferred AVR: the third payment is due to members of Senior Management, after having verified that no reduction had to be made according to the result of the multi-year performance indicators approved in 2021 by the Board of Directors. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, the second payment of the deferred portion of a success bonus on the sale of BBVA USA is due to one member of Senior Management &#x2014; an executive of BBVA USA at that time &#x2014;. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2019 Deferred AVR: the third and final payment is due to the members of Senior Management that are beneficiaries. In addition, the third and final payment of the deferred portion of a retention plan is payable to one member of Senior Management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;(2) Deferred remuneration which was payable after the 2023 year-end, including the update of its cash portion. Payment thereof to members of Senior Management who were beneficiaries took place in 2024 in accordance with the vesting and payment rules set forth in the remuneration policies applicable in each financial year:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2022 Deferred AVR: in 2024, the first payment was made to members of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2021 Deferred AVR: in 2024, the second payment was made to members of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2020 Deferred AVR: given the exceptional circumstances arising from the COVID-19 crisis, all members of Senior Management voluntarily waived the whole of their 2020 AVR. Without prejudice to the foregoing, in 2024 the deferred portion of a success bonus on the sale of BBVA USA was paid to two members of the Senior Management &#x2014; who were executives of BBVA USA at that time &#x2014;. In 2024, one of them received the whole of the deferred portion and the other one received the first payment of the deferred portion, in accordance with the vesting and payment rules set out in the remuneration policies applicable to each of them in that financial year. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2019 Deferred AVR: in 2024, the second payment was made to the members of Senior Management who were beneficiaries. In addition, the second payment of the deferred portion of a retention plan was paid to a member of Senior Management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.34pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%;padding-left:15.2pt"&gt;2018 Deferred AVR: in 2024, the third and final payment was made to the members of Senior Management who were beneficiaries. &lt;/span&gt;&lt;/div&gt;(3) 16 members as of December 31, 2024 and 15 members as of December 31, 2023, excluding executive directors in both cases.</bbva:DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock>
    <bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash
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      id="f-11478"
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      id="f-11480"
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      id="f-11482"
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      contextRef="c-4717"
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      id="f-11486"
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    <bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash
      contextRef="c-4718"
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      id="f-11488"
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    <bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares
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    <bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash
      contextRef="c-4722"
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      id="f-11496"
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    <bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash contextRef="c-13" decimals="-3" id="f-11497" unitRef="eur">1963000</bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash>
    <bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares
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    <bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash contextRef="c-20" decimals="-3" id="f-11499" unitRef="eur">2885000</bbva:DeferredAnnualVariableRemunerationSeniorManagementInCash>
    <bbva:DeferredAnnualVariableRemunerationSeniorManagementInShares
      contextRef="c-20"
      decimals="0"
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style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.416%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="background-color:#e9e9e9;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.1pt;margin-top:0.1pt;padding-left:0.49pt;text-indent:-0.49pt"&gt;&lt;span style="color:#02a5a5;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Pension systems (thousands of Euros)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Contributions &lt;/span&gt;&lt;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"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Accumulated funds&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Retirement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Death and disability&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 1.18pt;text-indent:-0.18pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="margin-bottom:0.05pt;margin-top:0.05pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%"&gt;Senior Management Total &lt;/span&gt;&lt;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"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;4,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;3,829&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;1,102&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span 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    <ifrs-full:DisclosureOfAdditionalInformationExplanatory contextRef="c-1" id="f-11508">&lt;span style="color:#072146;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:130%;padding-left:20.73pt"&gt;Other information&lt;/span&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;padding-left:35.43pt;text-align:justify;text-indent:-35.44pt"&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%"&gt;55.1&lt;/span&gt;&lt;span style="color:#004580;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:130%;padding-left:15.99pt"&gt;Environmental impact&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:10pt;margin-top:10pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:130%"&gt;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, 2024, 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 financial statements in the Commercial Register is approved.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfAdditionalInformationExplanatory>
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        <link:footnote id="fn-145" xlink:label="fn-145" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:type="resource" xml:lang="en-US">(2)  Directors appointed by the General Meeting held on March 15, 2024; accordingly, the allocation of theoretical shares is not due until 2025.</link:footnote>
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